Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I received a phone call from a XXXX phone number. The man on the phone said he was with chime and told me they noticed attempted charges out of my area code. I told.him I did not make these transactions. He continues to tell me they are going to send me a new debit card that I needed to close the other one. I needed to verify information which I did under the impression this was my bank. The person is sending me text messages which to confirm or yes or no. After about 30mins of this phone conversation and my new .Debit card, being in the mail we hung up the phone. Maybe 10 minutes later I get a notification {$760.00}, has been withdrawn from your account. Another one {$20.00} was drawn from my account. Immediately realized I was scammed, I called the number back this person called from it was a chime number. Which was even stranger. I spoke to so many individuals that day reporting and pleading my case. Explaining to them, I'm XXXX, Tennessee these atm withdrawal happened in Florida. I had just used my card in tn a hour before this happend. So I opened up a dispute.I am informed that they will be investigating. Witbin a few days.They have closed my dispute saying they see nothing wrong and that they are in agreement with the merchants. I " call back because I want to dispute again.They told me in order to do so I have to file a police report so I did that. Another lady, I spoke to with chime from a dispute team.Told me that not one single person that I talked to from XX/XX/XXXX reported my case as fraud that those people would be reprimanded.. I was told that my case was back under investigation that she would go through and listen to the phone calls.I uploaded my police report and other documents. Withing.3 days my dispute was denied again. Stating they see nothing wrong they are in agreement with other banks. This has been a nightmare, not one single person has helped me.At this point I feel like they are all in a scam together. Especially the fraud department because why would no one else report my calls.. The first time my dispute was denied was the next day after i changed my direct deposit. The second time it was denied they day after my schedule pay day.There was also another charge that they tried to use and I confirmed that it was not me. my card has been in my posession this entime, I am in tennessee, not in florida. Also one of the banks used in one of those transactions was a XXXX XXXX XXXX. One of chimes supporting banks. Which still leaves me to belive they were all in it together. I don't understand how they came to the conclusion that I approved these transactions. And because if my card usage and transactions .. I have loan payments with cash app I pay every month and then borroe the money back from my chime account. It's my money so why is that suspicious? This none of their businesses i also send and receive money through chime to my husband and step mom.noone else in chime. And I've never taken that much money in one chunk out of my account from a atm.

Company response to consumer: Closed with explanation