Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> at XXXX : XXXX am I got a call from my number that came up is chime on my caller ID. The person told me claimed he was a representative from Chime fraud alert he asked me if I approved of two specific transactions that were attempted on my card I told him no he then told me that he could see that I've had this problem in the past so the only thing that I can do now is get a new account and router number and create a new profile on time that is secure and that will just stop any attempts on my account. I agreed and said okay he told me he was going to send me an email with a new account number and that I needed to go to the bottom of the email and click the link that takes me to my time app I told him the link did not work he said that's okay we can do it manually and for me to copy the account number that's in the email and go into my time app. I did he then told me that the {$900.00} I have in savings I needed to transfer it to my checking I did not tell him anything about my account I didn't give him my name or how much I had in either my checking or savings he already knew he told me if I didn't transfer the {$900.00} into my checking that they would have to send me a check for that amount because it won't transfer unless I add it to my checking and transfer it to the new account I said I did not want a check being sent to me I wanted to have access in my new account so I added the {$900.00} to my checking which gave me a total of {$1200.00} he said go to the bottom of the page and click pay I did he said to paste the new account number at the top of where it says pay two type in the amount that's in my checking {$1200.00} at the bottom where it says four he said to type my name exactly how it is in my XXXX  app I did I then asked him what about my my pay and spot me will that also transfer to my new account he said yes but the my pay I would have to claim it and add it to my checking I said I did not want to do that because it'll take that money off of my next check he said that's okay we're going to put it back and nothing will be taken off of your check Just claim it and send it and do the same process I did with the first amount so I did I claimed the {$100.00} at it to my checking and also sent it to that new account number that was in my email he then asked me what do I see now I said I see the new account number with the two transactions and at the bottom has my name then it has the button that says pay now he said click pay now that now just transferred both of those amounts to my new Chime account he said for me to log out of my old time and give him just a second to give me a one-time temporary passcode to get into the new account and once I get in there I can then change the passcode what he had me on hold for 45 minutes and then the line disconnected and all my money was gone. I then called the same number that called me which was time and told them exactly what happened and they told me that I had been scammed but that was not a person from chime And that I needed to file a claim to dispute the charges I did I also included the screenshots of the email the text messages and the calls and the phone number and the account number I had everything added to my claim to get my money back and they denied it XXXX days later I called back and talked to a supervisor that reopened the claim and then filed the police report reporting this I'm still waiting to hear back on this claim again and until then I have absolutely no money they took everything.

Company response to consumer: Closed with explanation