Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Below is a full, in-depth CFPB complaint drafted in regulatory language, designed to withstand review and force escalation. It leaves nothing unturned, references Regulation E, your FTC report, all XXXX statements, and clearly instructs Chime on what must be investigated CFPB COMPLAINT IN-DEPTH NARRATIVE Financial Institution : Chime Financial , Inc. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account Type : Checking and Savings Complainant : XXXX XXXX Email : XXXX FTC Identity Theft Report : # XXXX What happened? ( Detailed Narrative ) I am filing this complaint regarding ongoing identity theft, unauthorized electronic fund transfers, and account compromise involving my Chime checking and savings accounts. The disputed activity began in XX/XX/XXXX and continued through XX/XX/XXXX, despite my lack of authorization and attempts to secure my finances. 

During this period, my account activity shows repeated unauthorized peer-to-peer transfers, ATM withdrawals ( including casino and reservation ATMs ), rapid depletion of deposits immediately after posting, and circular fund movements inconsistent with my historical banking behavior. These transactions appear across multiple consecutive months, demonstrating a pattern of sustained third-party control, not isolated error. 

I have attached bank statements for XXXX XXXX and XXXX XXXX, along with a transaction-by-transaction forensic breakdown identifying dates, times, amounts, recipients, locations, and running balances. 



Why I believe this is identity theft and unauthorized activity 1. I did not authorize the listed transfers, ATM withdrawals, or peer-to-peer payments.

2. Activity often occurred immediately after deposits, suggesting automated or third-party access.

3. Transactions were made to recurring individuals and locations, not typical of my usage.

4. ATM withdrawals occurred at casino and reservation locations inconsistent with my patterns.

5. Activity persisted across months, even when balances were low or accounts should have been secured. 

I filed an FTC Identity Theft Report ( Ref # XXXX ) and provided this documentation to Chime. 



Third-Party Access & Correlation Concern ( For Investigation ) From XX/XX/XXXX forward, XXXXXXXX XXXX, my XXXX XXXX XXXXaseworker, had authorized access to my personally identifiable information, including my Social Security number, benefit data, housing records, and banking context. 

Her access period overlaps exactly with the escalation of unauthorized banking activity. I am not asserting criminal guilt ; however, due to the overlap in timing and access, I am requesting Chime and the CFPB require cross-referencing of internal access logs, device/IP metadata, and recipient routing data against this individual and other recurring recipients. 

This is a correlation request, not a conclusion. 



What Chime has failed to do Failed to prevent continued unauthorized transactions across multiple months Failed to adequately secure the account after compromise indicators Failed to provide a clear Regulation E determination Failed to proactively identify repeated recipients and access anomalies Allowed continued fund depletion despite obvious red flags Laws and regulations implicated Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005 ) unauthorized electronic fund transfers Duty to investigate and provide provisional credit Duty to preserve records and access logs What I want the CFPB to require I am requesting the CFPB require Chime to : 1. Conduct a full forensic investigation of my account 2. Review and disclose device IDs, IP addresses, login timestamps, and access logs 3. Identify all third-party recipients and transaction endpoints 4. Issue provisional and final reimbursement for unauthorized transactions 5. Provide a written explanation of findings per Regulation E 6. Preserve all records for potential regulatory or legal review Supporting documentation attached FTC Identity Theft Report ( # XXXX ) Chime checking statements ( XXXX XXXX ) Chime checking statements ( XXXX XXXX ) Chime savings statement ( XX/XX/XXXX ) Transaction-by-transaction forensic breakdown Final statement This complaint is submitted in good faith and supported by extensive documentation. The pattern, duration, and nature of the activity demonstrate account compromise and identity misuse, not consumer error. 

I respectfully request CFPB oversight to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with monetary relief