Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OR

Complaint narrative:
Transfer from my XXXX XXXX to Checking account # XXXX {$50.00} XXXX. XX/XX/XXXX $ from my checking account was transferred to an unintended person by chime account holder XXXX XXXX, from my checking account # XXXX, to chime member $ XXXX XXXX XXXX, XX/XX/XXXX The intended recipient of a bank transfer of {$50.00}, from my checking account, to XXXX XXXX XXXX, the intended recipient , never recieved the funds I intended to send to XXXX. The funds ( {$50.00} ) were transferred from my checking account to someone else 's bank account entirely, still using the phone number from the intended recipients person cell phone number XXXX. My personal checking account to XXXX XXXX XXXX of {$50.00} from my Chime Financial checking account ( routing # XXXX ) ) was to be recieved by XXXX XXXX XXXX, but he never recieved the funds. Instead, chime sent the funds to a XXXX XXXX of XXXX  as I live in XXXX, and the intended recipients location was in XXXX, XXXX. I have text message, screen recording records and Screenshot Proof of all the information included herein. 

The funds ( {$50.00} ) was wrongfully transferred by chime, from my personal checking account, to an unintended recipients account with the intended recipients phone number, XXXX XXXX XXXX, not of my own doing or the intended recipients doing, rather by chime financial ( XXXX XXXX XXXX XXXX ) Shortly thereafter the intended recipient texted me at XXXX XX/XX/XXXX XXXX replied to me over text message " You may need to dispute it but I haven't gotten any messages from chime '' and at that time he said that he did not receive the funds. 
I proceeded to immediately call Chime Financial from my cell phone number ( XXXX ) At XXXX on XX/XX/XXXX. Call duration XXXX seconds. Chime Financial told me that they would call me back. 
Chime called back at XXXX XXXX  on XX/XX/XXXX and they talked with me for the duration of XXXX and XXXX XXXX. The result of the call was that they couldn't help me recieve my lost funds ( XXXX $ ) At XXXX, XX/XX/XXXX I called XXXX on his personal cell phone number for a duration of XXXX XXXX to figure out how to get the money back, and we couldn't figure it out. So we gave up. 

Fast forward to XXXX XXXX XXXX, I called Chime to try to get my money back. Call duration XXXX min XXXX seconds. I was told that they would call me back. 

At XXXX XXXX  on XX/XX/XXXX, call duration XXXX min XXXX seconds, Chime said that they would have another employee reach out by calling back. 

At XXXX on XX/XX/XXXX, call duration XXXX seconds, a chime team member answered, said something, I told them to hang tight, and then they hung up on me XXXX XXXX, XX/XX/XXXX, call duration XXXX XXXX seconds. I talked with XXXX ( or XXXX  ) and a person named XXXX in top sales with chime. They said they would send me an email at XXXX and I never received any email even unto next day ( today ) sunday, XX/XX/XXXX. They also told me that the money is being investigated and the funds would be returned to my account. As of this time Sunday XX/XX/XXXX at XXXX XXXX  the funds are still not back into my chime account. 


Presumably because the phone number of the intended recipient was registered to the unintended recipients account on Chime Financials side. Not of the customers ( inteded and unintended recipients, as well as my personal checking and savings accounts through Chime. 

Incoming call at XXXX from chime to my cellular number, call duration XXXX, XXXX seconds, I was advised that they are investigating the issue and that they would get back to me with the funds when applicable. The current time in me writing this document is XXXX, sunday XX/XX/XXXX. I have not recieved another call or email from chime at this time. I would like to pursue charged filed against chime for violating Federal Law as well and local state and Federal trade commision laws, as well as suing for damages, as well as pain and suffering on my end. I would like to pursue above said charges personally against chime by me, myself, XXXX XXXX XXXX. I am a valid U.S. Resident and Natural born citizen of the United States Of America. Please Help me, as I need all the help I can get. I eagerly look forward to speaking with whosoever this may apply too. Please get in contact with me at XXXX at your earliest convenience. Thank you, God bless, and have a nice day! XXXX

Company response to consumer: Closed with explanation