Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Friday, XX/XX/scrub> 2025 I noticed some suspicious charges appearing on my chime account through the Chime app. I reached out to chime via the Support chat within the app, notifying them that I, XXXX was not attempting those charges in XXXX, Florida. 
The charges were for various transactions such as ; XXXX XXXX and XXXX XXXX. I noticed a straight talk phone bill that was attempted to be paid as well. 

In the Chime chat, the XXXX XXXXXXXX told me that the charges could not be disputed because they were still pending. 
I then called customer support. The customer support number I used was XXXX. When calling the support line I was directed to verify my identity by pressing one. After pressing one, I would receive a phone call back. The customer service agent called back from the chime number and the number was XXXX, the caller id read Chime Financial. 
The customer support agent asked me to verify my information asking my first and last name as well as the last four digits of my Social Security number. The agent then told me that my account was compromised. He assured me he would assist me with transferring those savings funds to a different account using the chime app. He also verified the fraudulent charges on my account. The Chime customer service agent told me I needed to do this using the pay function within the app. He gave me an account number to pay the transfer to, with a New Account Protection note. ( NAP ) The Chime customer service agent then responded that I would receive an email that the funds were transferred into my new account. However, I never received an email. I told the customer service agent that the email never came and then the phone call hung up.

I then immediately called the Chime customer service line again XXXX. I was again asked to verify my identity by pressing one to receive a phone call back from Chime. 
I received a phone call back but this time it was a female Chime agent. I explained to her that I was on the line with somebody from chime and the phone hung up and they were transferring my funds to a new account due to the fraudulent activity. The new Chime agent then told me that my account was compromised and that she could help me secure my account by opening a dispute, the money was not transferred to a new account. 

The agent said that it was not chime that called me, even though the call with her was a call back from Chime as well. 
I explained to her that on the current phone call with her, I did have to press XXXX and receive a phone call back. 
The agent told me that she would help me get my funds back, and I believed her. I uploaded all documents for the event that just transpired that day. I also called the police and file police reports with the XXXX of XXXX and the state of Tennessee. 

I have filed 3 disputes for this Chime impersonation fraud. I have submitted screenshots of my interactions in the Chime XXXX XXXX. I have submitted screenshots of the timeframe these fraudulent calls began from Chime Financial official phone number. I submitted these for proof that all of this happen as I was attempting to contact the REAL Chime Financial. I have submitted police reports and have also submitted my work schedule verifying, I was in XXXX, TN on XX/XX/year>2025.

Company response to consumer: Closed with explanation