Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, my Chime account was compromised due to Chimes negligence and employee misconduct. A Chime representative confirmed that someone impersonated me on the phone, and despite failing identity verification, was given access to my account. Later, I received calls from Chimes official business number ( XXXX ) and emails from Chimes verified email account instructing me to transfer my funds to a fraudulent account. Which at the time I did not know was fraudulent since they called from chime and emailed from chime I assumed I was speaking to a chime representative. 

I followed the instructions only because they came from Chimes official communication channels. Later, Chime representatives confirmed on record that only a Chime employee can close a savings account, and another representative confirmed that a Chime employee named XXXX XXXX had closed my account. This means the fraudulent closure and theft were carried out internally by Chime or through its systems. 

I lost access to my funds, can not cover basic living expenses, and have suffered extreme stress, paranoia, and distrust in the banking system. I filed a police report, made over XXXX calls to Chime, and provided evidence including call logs, screenshots, and recordings. Chime has treated this as a routine dispute instead of the insider theft and negligence it clearly is. They have denied my dispute and have not provided me documentation to their investigation which they are required to by lawn under regulation XXXX Please see attached proof. I have attached the recorded call of the chime employee admitting that he listened to the call & confirmed the caller who requested my bank account be closed was not me. I have also attached the email I received from chime as you can see theres a verification check mark that shows this is indeed their business email on business letterhead. XXXX, if it wasnt an employee then it was an outside source who gained access of chimes system. I also filed a police report that same day, which I have attached the police report as well. Please provide a link to where I can upload my videos. The videos are very important because they are of chime representatives admitting that someone called pretending to be me and they allowed it. That is key to this case however, because the files are too large I can not attach. Also its important to note that Ive never sent money through the chime app directly, Ive only ever used cashapp to send money which that same morning I sent a cashapp to someone else, my bank records reflect that. Also the fact that the chime member that my funds were sent to had just joined in 2025. Chime did not do a thorough investigation at all, whos account was that? They just joined when did they join? How many payments have been sent to them since they joined? If they have an account then they should have put their personal information, their address, phone number etc. chime did nothing to properly rectify this issue. Ive attached the emails I sent to the XXXX which they have refused to acknowledge or email me back. Chime is supposed to be law under regulation XXXX provide written documentation of their findings in this matter which they have not. They have only sent me an intake form and my evidence that I sent them now their incidence for this finding. I have over XXXX voice recordings from chime who have made this process incredibly difficult. It has taken a huge toll on my mental health and I am now very paranoid. I no longer trust the banks and its possible someone has my address and personal information since there was a security breach in chimes system.

Company response to consumer: Closed with explanation