Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I've been at this for over 90 days now, XXXX XXXX  seems to have more authority then CFPD & OCC. So ill just keep posting till someone wants to do their job. 

Started XX/XX/2025 Today denied again XX/XX/2025 This is illegal and im writing the government Media, news, and court.

To Whom It May Concern : I am writing to urgently address a severe issue of fraudulent charges totaling {$26000.00} that occurred on my Chime account, which Chime has, to date, refused to reimburse. This situation has caused me extreme financial hardship, leaving me with no place to live and jeopardizing my business.

On [ Insert Date of Incident or Approximate Timeframe ], I fell victim to an online scam involving a fake XXXX advertisement. Believing I was contacting XXXXXXXX XXXX XXXX XXXXXXXX service, I inadvertently provided my banking details for both my Chime and XXXX XXXX  accounts to fraudsters. 
Upon discovering the fraudulent activity, I immediately contacted both financial institutions. I am pleased to report that XXXX XXXX  has thoroughly investigated this matter and has officially determined that the charges were indeed fraudulent, and they are in the process of reimbursing me for my losses from their end. This decision from XXXX XXXX  unequivocally confirms the fraudulent nature of the transactions in question. 
Despite XXXXXXXX XXXX XXXX acknowledgment and pending reimbursement for the same scam, Chime has repeatedly denied all my disputes. This denial is particularly alarming given Chime 's prior actions. My Chime account was inexplicably frozen when I attempted legitimate transactions, yet the fraudsters were able to drain my account with large, consecutive withdrawals of {$4000.00} and {$2000.00} without any security intervention or freezes from Chime 's side. Furthermore, Chime recently reversed a legitimate {$100.00} payment I made to my XXXX XXXX card, which has severely impacted my credit score. 
I must also highlight a critical point regarding Chime 's operational structure. When I inquired about a wire transfer, I was informed I would need to use a different routing number, which I later discovered belongs to XXXX XXXX. This indicates that my funds are held by XXXX XXXX, which is the FDIC-insured entity, not Chime. It is perplexing that Chime handles the dispute process for funds that are ultimately held and insured by XXXX XXXX. Regardless of this arrangement, as the direct service provider, Chime has a responsibility to protect my funds and resolve fraudulent activity. 
It has now been over 90 days since these fraudulent charges occurred. I have received no provisional credit, and Chime 's failure to act has left me in a desperate situationI am currently without housing, sleeping in a XXXX parking lot, and facing the imminent loss of my business. 
I have already taken all necessary steps to report this fraud, including [ mention any specific steps you've taken, e.g., filing a police report, contacting the CFPB- even though you said you've done everything, reiterating it here adds weight ]. I urge Chime to reconsider its stance, acknowledge the clear evidence of fraud confirmed by XXXX XXXX, and immediately reimburse me for the {$26000.00} in stolen funds. 
I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX Im adding attachments from XXXX XXXX but i still havent received all my money and yesterday I was told i could pick up my checks at a XXXX fl branch by noon i got there eagerly waiting from XXXX XXXX XXXX XXXX XXXX XXXXnd never received a dime .. Im out of gas, food, shelter currently living in my truck at XXXX parking lot just like to say thanks for making me wait over 90 days now .. if this goes another week ill have to sell my truck start a new business in cardboard signs on the street corner

Company response to consumer: Closed with explanation