Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
On XX/XX/year>, I discovered multiple unauthorized transfers from my Chime checking account totaling {$1000.00}. These transactions were made to unknown recipients without my knowledge or consent. I immediately contacted Chime to report these unauthorized transactions and provided evidence that I did not authorize these transfers. 
Despite my reports, Chime dismissed my claim, stating that " no error occurred, '' and refused to reimburse me for the stolen funds. In XX/XX/year>, I disputed an additional unauthorized transaction of {$160.00}, which was also investigated and dismissed without action, even though it was clearly stolen from my account. 
Someone gained unauthorized access to my account, impersonated me, and transferred my money without my approval. This represents a serious security breach and potential identity theft. Chime 's failure to protect my account and their dismissive response to my reports have caused me significant financial loss, distress, and a loss of trust in their services. 
I request that the CFPB take action to ensure I receive a full refund of the stolen funds before XX/XX/year>, and that Chime improves their security measures to prevent future fraud. 
Urgent Consumer Complaint to the CFPB Re : Immediate Full Refund and Accountability for Massive Unauthorized Fraud Case # XXXX Dear CFPB, I am writing this complaint with the utmost urgency and frustration regarding my ongoing nightmare with Chime Financial Inc XXXX Despite multiple investigations, their dismissive responses, and superficial reviews, the undeniable truth remains : I am the victim of a massive, sophisticated fraud scheme that has stolen over {$1100.00} from my account funds that I did not authorize or consent to be transferred. 
This is a serious criminal breach of trust and security. Someone, illegally and fraudulently, accessed my account, impersonated me, and executed multiple unauthorized transfers. These are not " disputed transactions '' they are plain, undeniable acts of theft. Chimes refusal to acknowledge their security failure and to reimburse me is not only unacceptable but also a blatant violation of my consumer rights and federal law. 
Key Facts and Details : On XX/XX/year>, I reported multiple unauthorized Pay Anyone Transfers totaling {$1000.00} to unknown recipients transactions I did NOT authorize. Despite providing irrefutable evidence, Chime dismissed my claim, claiming no error occurred, ignoring the clear signs of fraud. 
On XX/XX/year>, I disputed an additional {$160.00} stolen from my account again, an unauthorized transaction. Chime conducted an investigation and stubbornly refused to acknowledge the theft, leaving me financially devastated. 
Someone gained unauthorized access to my account, impersonated me, and transferred my money without my knowledge or consent. This is a serious security breach and potential identity theft. 
This situation is an egregious breach of trust and security, and Chimes dismissive attitude is an injustice. They are knowingly allowing fraudulent activity to continue unchecked, and their investigations are a cover-up designed to avoid accountability. 
My demands are non-negotiable : XXXX Immediate, full refund of all stolen funds totaling {$1100.00}, credited to my account before XX/XX/year>. I do not accept any delay, excuses, or partial reimbursements. 
XXXX A detailed, transparent investigationinto how this breach occurred, including the failure points in Chimes security system that allowed this theft. 
XXXX A formal acknowledgment that these transactions were unauthorized and fraudulent. 
XXXX Compensation for the severe distress, financial harm, and emotional trauma caused by Chimes negligence and inability to safeguard my account. 
XXXX A written guarantee that measures will be implemented immediately to prevent future breaches, including enhanced security protocols and account monitoring. 
I am warning you this is not just about money. This is about protecting consumers from predatory negligence, criminal activity, and systemic failures. If I do not see my full refund and an actionable plan to secure my account by XX/XX/year>, I will escalate this matter further, including pursuing legal action, reporting to other authorities, and making this a matter of public record. 
I expect a prompt, definitive response. Failure to resolve this immediately will be considered willful negligence and a breach of consumer protection laws. 
This is your final warning. I demand justice.

Company response to consumer: Closed with explanation