Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I got it text from chime fraud. Asking if I had tried to do a transaction at XXXX for {$1300.00}, and some odd cents, and I put no, they came back with that. My account was being investigated and that there was ahold on it and a representative would be with me. Momentarily, I got a phone call. The guy said his name was XXXX. I think thats what he said, that he was with chime, and that we where on a recorded line. he asked how I was doing. I said, not good, he jumped in with had I given my information to anybody anybody had my bank information. So on and so forth, was any of my family traveling that had my information And I said, no, no, no, no, no, no. Yes, if I had my card with me, I said yes. then he proceeded to tell me what I had in the bank. Money wise. He proceeded to tell me that I had just got a new card, which nobody knew that. proceeded to tell me that he was going to fix the XXXX that I was having with unauthorized charges. Why I had to get a new card and that the dispute that I had put in for that that company, he was gon na get the rest of those charges fixed and put back into my account because they wouldn't let me do it previously. So he knew all kinds of things about my account. I never said any of that stuff to him. He told me then that my bank account had been compromised and that they were going to give me a new bank account and that I was going to have to transfer my money to the new bank account. He gave me my supposed new account XXXX told me to go to pay anyone and transfer the money that way. It wouldn't let it go through. So he said, well, let me talk to my supervisor figure out what's going on. I said, well, the text said that it was going to they were going to lock my account so that's probably why it won't let me do it He said, when is a good time to call you back? I said XXXX in the morning, he said. Okay, I'll talk to you XXXX in the morning. Called me at XXXX in the morning. He said, you still got that account number, I said yes. okay? Try it again, then he said, here, put it through this. He says and put on there that it's for deel. Nope wouldn't go through, he said, let me call you back. Is it okay, waited first phone? XXXX called me. He said, here 's the number to send it to. He says, you know be transferred right into your new XXXX. So I did transfer a dollar went through. After I got a request The rest of it went through then, turned around and he said, okay, now you need to change your passwor. He says it's all there and then hung up on me. I called the bank immediately. and they said there was nothing they could do about it that I had sent it and because I had sent it, they couldn't do anything about it. I said it was supposed to be a representative of Chime I was like, they have a chime account. They had everything you guys do when I have talked to you before on issues. And he had information about my account that he told me that only i or a representative who could look at my account could know. she sat there and argued with me because i sent it. and I was like you guys are supposed to protect your customers. I don't know how to help you, mama, you obviously just lost all of your Money and I said, I want to speak to your supervisor I said, and I want to see if you guys can look up account its a chime account and get my money back, she said, okay, hold on, I'll let you talk to my supervisor I'll transfer you. I was on hold for XXXX minutes. They never came on. I have where the money was sent. It is a chime account. It came across as the text from chime fraud, thinking it might be an inside deal. Why would she totally disregard me not listen to my story or even try and help me at all? This all took place XX/XX/year> why would I get XXXX take survey text XXXX after I talked to him. And XXXX after I talked to her? If it wasn't a chime representative then why would they send a survey? Or is that fake too?? I'm so upset I can't pay bills phones going to be turned off and all because I trusted a Chime Representative with fraudulent actions! Thanks for having your customers backs. Good business practices!

Company response to consumer: Closed with explanation