Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dear CFPB Team, I am filing this complaint because Chime has denied my fraud dispute for the third time and has failed to provide any meaningful response or resolution, despite me following every required step and providing extensive documentation. The handling of my case has been negligent and has caused me severe financial hardship.I am urgently requesting CFPB intervention. 

On XX/XX/XXXX, I received a phone call from an individual impersonating a Chime fraud representative who referenced the exact transactions I had just received and responded No to the alerts about. The caller then explained that my account had been compromised and that I needed to transfer all of my funds to a new profile and get a new account and routing number. He lead me step by step in doing so and then told me to hold while he got me a one time temporary password to get into the new profile. I was on hold for 34 mins when the line disconnected. I called the same number that called me to make this unauthorized transaction and spoke to another chime member who said there is no record of the conversation I just had and that I was most likely scammed. The details made the impersonation appear legitimate and directly tied to Chimes system. 
I immediately reported the incident to Chime only mins after this transaction, submitted multiple disputes, and fully cooperated with every step of their process. Despite my prompt action and clear evidence that this was a sophisticated impersonation scam, Chime denied my dispute three times.

To support my case, I have also filed : A police report An IC3 cybercrime report A previous CFPB complaint Multiple emails to Chime Support Emails to Chime Escalations Emails to Chime Legal Emails to Chimes Executive Team None of these communications have been acknowledged or responded to. Chime has not provided any meaningful investigation or explanation for the repeated denials. 

This situation has caused me severe financial hardship. The fraudulent transactions put my account into a negative balance and disrupted my pay cycle, leaving me unable to afford basic daily expenses. I have been overwhelmed and stressed every day because of the financial impact and Chimes refusal to correct the unauthorized charges. 

Chime has failed to comply with its obligations under the Electronic Funds Transfer Act and Regulation E, which require a fair, timely, good-faith investigation and reimbursement of unauthorized transactions.

I respectfully request that the CFPB require Chime to : 1. Properly reinvestigate my dispute.

2. Acknowledge the impersonation fraud involved.

3. Refund the unauthorized transactions.

4. Correct any negative balance or fees associated with this incident.

I have acted in complete good faith, provided extensive documentation, and followed every required procedure. I am asking for the CFPBs assistance because Chime has failed to provide any resolution or appropriate communication. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation