Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Chime account was hacked and funds were stolen from my account. I filed a dispute, but Chime claims there was 'no error ' and has refused to reimburse me. I filed another dispute and again this was declared 'no error '. The dispute number was XXXX. 

Chime sent me an email notifying me of the 'error ' but with no explanation how they reached this conclusion. If Chime were really investigating, they would have heard the hacker on the recorded line claiming to be me to get access to my account. ( Note : my sister also has access to my account because she has Power of Attorney due to me being XXXX  for a brief period of time. ) She was who was calling Chime on my behalf. If Chime listens to the recorded calls they will clearly hear the voice of the hacker claiming to be me. This is not the voice of me nor my sister.

While at first I couldn't imagine how my account was being hacked because I have a strong password and 2FA, then it occurred to me upon so many times calling Chime to re-gain access to my account ( it was hacked over and over ) it became clear that the hacker had my social security number and date of birth. This allowed the hacker/scammer/fraudster to call Chime, claim to be me, and update my email and phone number on my account, then change the password and lock me out. Once I discovered this I requested Chime only speak to someone claiming to me after ID verification ( uploading a drivers license ) or to my sister who provided the Power of Attorney. Chime refused to implement this security control to prevent the fraudster from gaining access to my account over and over. I was again locked out by the hacker. While I did have access to my account, I sent my sister a check for {$890.00} which was the balance remaining. The hacker got back into my account the next day, cancelled the check which returned the funds to my account, and then they made fraudulent transactions with the money that was returned to the account once they had the check cancelled. The hacker also cancelled the rebuttal to the previous denial for reimbursement.

I've just spoken to Chime and regained access to the account again. I can see the check that I sent was cancelled by the hacker, and the money they stole with the money returned to my account. The new fraudulent transactions total {$820.00}. This makes the total amount that was stolen from me roughly {$2000.00}.

I have filed another rebuttal which is XXXX ( this is the 3rd rebuttal ) for the money stolen the first time my account was hacked. For the new fraudulent transactions I have a claim number XXXX. 

After the first time the account was hacked, I filed a police report and also filed a FTC Identity Theft Report which I've attached.

Since the hacker knows my social security number and date of birth, it is just a matter of time until they hack back into my account. If Chime does refund all that was stolen, the hacker will just get back into my account and steal the money again. I have no way of keeping them out and Chime will not ask anyone calling about my account to ID verify before speaking with them. I need Chime to reimburse me for all that was stolen. I've had enough of their poor security controls that can not keep a hacker out of my account. I'm furious that this is happening. Money held with Chime is not safe!

Company response to consumer: Closed with explanation