Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am reporting extensive identity theft, unauthorized account access, unauthorized electronic fund transfers, and severe mishandling of my fraud case by Chime. I have filed XXXX separate disputes, provided over XXXX screenshots of successful unauthorized logins from multiple states, submitted a police report confirming identity theft, and spent hours on the phone with Chime. Despite overwhelming evidence, Chime repeatedly denied my dispute with no explanation. They then closed my account while I was reporting the fraud and stated they can not reimburse me because the account is closed. 

Below is a full timeline and evidence summary. 

XXXX. Account Background I opened my Chime account in XXXX while living in XXXX, New Jersey. 
I moved out of XXXX approximately XXXX years ago, relocated to Missouri, and I now live in XXXX, California. 
I have not lived in New Jersey in about XXXX years. 
I opened the account solely to receive small subscription payments for my wellness business. 
After setting it up, I never logged in again, never checked the account, never used the Chime card, and never made any transactions. 
I have never visited the states where most of the logins occurred ( Massachusetts, Virginia, Arizona, XXXX New York, etc. ). 

XXXX. Discovery of Fraud On XX/XX/XXXX at XXXX p.m. XXXX, I received a pop-up notification stating there was a login to my Chime account from XXXX, Arizona. 
I was physically in XXXX, California at the time. 
When I tried to access my account, I discovered that the phone number on my account had been changed to a number ending in XXXX, which I have never owned. 
Chime refused to provide the full number to police, preventing further investigation. 
Chimes own fraud department had to let me back into my account because I was completely locked out due to this unauthorized phone number change. 
Once I regained access, I found over XXXX successful unauthorized logins from multiple states within minutes of each other. 

XXXX. Chronological Evidence of Unauthorized Successful Logins Below is the complete timeline in chronological order. All entries below are successful logins, not attempts. 

XXXX XXXX, Massachusetts XXXX p.m. 

Successful login from a state I have never been to. 
Same date : Unauthorized transaction of {$210.00}, sent with emojis ( kissy face, money signs, fire ). I did not authorize this. 

XXXX XXXX, New Jersey XXXX p.m. 

Successful login. 
I have never lived in or visited XXXX. 

XXXX Fraudulent Phone Number Update On this date, Chime shows my account phone number was changed to a number ending in XXXX. 
I have never owned any number ending in XXXX. 

XXXX Multiple Logins Across New Jersey XXXX a.m. XXXX, NJ Successful login. 

XXXX a.m. XXXX, NJ Successful login. 

XXXX a.m. XXXX XXXX, NJ Successful login. 
Physically impossible to travel from XXXX to XXXX XXXX in XXXX minutes. 

XXXX a.m. XXXX, NJ Successful login. 

XXXX a.m. XXXX, NJ Successful login. 
Impossible to travel from XXXX XXXX to XXXX in XXXX minutes. 

XXXX Multi-State Activity + Unauthorized Transfer XXXX a.m. XXXX, NJ Successful login. 

Unauthorized transfer on this date : {$300.00} Sent to XXXX with emojis ( fire and money ). 
I do not know this person. I did not authorize this. 

XXXX p.m. XXXX, NJ Successful login. 
Again, impossible travel times. 

XXXX XXXX, Virginia XXXX a.m. 

Successful login. 
I have never been to Virginia. 

XXXX XXXX, New York XXXX p.m. XXXX, NY Successful login. 

XXXX p.m. XXXX, NY Successful login. 
I have never been to XXXX. 
I have never been anywhere in NY except XXXX, NJ years ago. 

XXXX XXXX, Arizona ( XXXX Logins in a Row ) XXXX p.m. XXXX, AZ Successful login. 

XXXX p.m. XXXX, AZ XXXX successful login. 

XXXX p.m. XXXX, AZ XXXX successful login. 

I have never been to Arizona. 
These are the pop-up notifications I saw while in bed. 

Unknown Date {$10.00} gaming transaction Chime locked me out before I could view details. 
I do not participate in gaming. 

XXXX. Total Fraudulent Loss {$210.00} XXXX {$300.00} XXXX {$10.00} unknown Total Loss : {$520.00} XXXX. Police Report Confirming Identity Theft XXXX Police Department Case Number : XXXX Report Number : XXXX Filed : XX/XX/XXXX XXXX : XXXX XXXX, Financial Crimes Unit Finding : I am likely a victim of PC XXXX Identity Theft Evidence uploaded to Axon Evidence by police. 

XXXX. Chimes Mishandling of My Fraud Case This is critical : I submitted XXXX separate disputes to Chime. 
Each time, I included XXXX screenshots of successful logins from multiple states. 
I spent XXXX calls across XXXX different days, adding up to XXXX hours on the phone with Chime. 
Chime repeatedly denied my dispute without providing the legally required written explanation under Regulation XXXX. 
Chime refused to provide : The phone number my account was changed to Any documentation of their investigation Any explanation of dispute denial Any record of who accessed my account Chimes fraud department confirmed that I was locked out due to the fraudulent phone number change, and they had to restore my access. 
During my fraud reporting process, Chime closed my account and then told me they can not reimburse me because my account is now closed. 
My account was closed based on the exact fraudulent activity I was reporting. 
Chime is refusing to reopen the account for reimbursement or provide any alternative resolution. 

This constitutes obstruction of the required Regulation E reimbursement process.

7. Regulation E Violations Chime and/or its partner bank violated : 12 CFR 1005.6 Liability for unauthorized transfers 12 CFR 1005.11 Error resolution requirements Violations include : Failure to refund unauthorized transfers Failure to conduct a proper investigation Failure to provide written dispute denial explanation Failure to provide documentation requested Closing my account during an open dispute Refusing reimbursement because the account is closed Withholding phone number information needed by police Locking me out of my own account during fraud reporting XXXX. Requested Resolution I request : Full reimbursement of unauthorized transfers : {$520.00} Written explanation of all prior dispute denials Enforcement of Regulation E protections Investigation of Chimes dispute-handling practices Confirmation that Chime and its partner banks comply with federal requirements

Company response to consumer: Closed with explanation