Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am pursuing legal action against Chime Bank. 
I am angry, frustrated, and exhausted with this entire process. I have done everything within my power to recover my funds, yet Chime has repeatedly failed to resolve this matter. 
On the morning of XX/XX/year>, I received a text message that appeared to be from Chime, my banking institution. The message stated that there was suspicious/fraudulent activity on my account and instructed me to click a link to verify my identity. Believing the message was legitimate, I clicked the link and was taken to what looked like a real Chime login page. I entered my credentials. 
Within minutes, I began receiving notifications of transfers being made from my accounttransactions I did not authorize. I watched in real time as my checking account, my savings account, and even a cash advance ( My Pay ) from a paycheck I had not yet received were drained. 
I immediately froze my cards and contacted Chime to file a dispute. A total of {$1200.00} was taken. 
During my first call, a Chime representative informed me that by clicking the fraudulent link, the scammer had gained access to my virtual card and linked it to their XXXX XXXX account, under the name XXXX XXXX. I do not know this person, have never sent money to this individual, and have never had any transactions with this name in my account history. 
According to Chime, this individual used my virtual card to empty my checking account, transfer my savings into checking, and then send those funds to their XXXX XXXX. They also withdrew my My Pay cash advance and sent that to themselves. During this time, I did receive a legitimate text from Chime asking whether I authorized the transactionsI replied no. However, that alert came after the funds were already gone.

Since then, I have filed three disputes, all of which have been denied. I have complied with every request made by Chime representatives, including contacting XXXX Support multiple times to retrieve GPS history proving I was not in California at the time of the transactions. XXXX confirmed this feature is no longer available, leaving me with no way to retrieve location data. 
I sent Chime timestamped screenshots and explained repeatedly that I reside in Indiana, while the fraudulent transactions occurred in California. My account history clearly shows I have never sent money to any XXXX XXXX, nor have I ever made large lump-sum transfers to XXXX XXXX in the manner these transactions occurred. 
This situation has caused severe stress, anxiety, and financial hardship. I am now {$1200.00} in the negative, behind on bills, and struggling because of Chimes failure to properly investigate and restore my stolen funds. 
On XX/XX/year>, I contacted Chime again after receiving my third denial. The representative stated that the dispute could not be reopened and that I could not speak to anyone from the investigation team. At this point, Chime has made it clear that they are unwilling to assist me further. 
I did not authorize these transactions. I was the victim of fraud, and I am entitled to reimbursement under federal banking regulations. Chimes negligence, poor communication, and refusal to properly investigate have directly affected my financial stability and overall well-being. 
I am now beginning legal proceedings against Chime Bank. 
Once my funds are restored, I will be closing my account permanently. My employer has already changed my direct deposit to a new institution. However, I still have linked accounts and payments that can not be removed from Chime because outstanding balances remainbalances caused solely by the fraudulent activity Chime has refused to correct. 
I have been patient. I have provided all available documentation. I have followed every instruction. 
Chime has failed me as a banking institution, and I will not let this matter go unresolved.

Company response to consumer: Closed with explanation