Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I filed a claim with Chime online bank with one of the representatives because at an earlier date I had lost my wallet which contained my drivers license and chime bank card. My card has been used by someone without my knowledge when I called Chime Bank to make the complaint, the first representative that entered the call was a male who verified my account took down some of my information then he placed me on a brief hold when he returned he said hello I replied hello he then said hello several times I said hello once again and for some weird reason, he had canceled the call. I waited a short while to see if he would call me back, but he never did at this time. I called back and got a different rep this time I asked for her name and she stated it was XXXX, she also went through the Chime verification procedures, took down my complaint and gave me a dispute number. XXXX stated that my complaint has been filed, and that an investigation would be done and that I should receive my funds in my account after its completed and that I could even receive a temporary deposit if approved we then ended the call the next day on XX/XX/year>. I woke up to a missed call and voicemail. The man that left a voicemail said he his name was XXXX a representative calling from chime support in regards to my claim filed on XX/XX/year> in the amount of {$1300.00} and to give him a call as soon as possible so I could receive my refund when I called he XXXX asked me to verify myself in my account. I gave my name and midway through verifying my address. I stop and ask him to verify, he began telling me all my information, including my last XXXX digits of my Social Security number the last XXXX digits of my chime bank card. He also knew my dispute number and the amount of the claim filed, he even sent me a text verification code using Chimes text messaging system, which was the same number and messaging system Ive received other Chime messages from. Before he sent me a confirmation code he also told me check my email because he had also sent me confirmations through my email address also. He then told me there was some unauthorized activity going on in my savings account and Chime needed to close the account and open a new one.Then he told me he had to transfer money from my savings account into my virtual, checking account. and then thats when he began taking the money out of my virtual checking account. XXXX transaction for {$1900.00} another transaction for {$1900.00} and the last transaction {$1900.00} all in a span of XXXX minutes from a vendor called XXXX which I have never heard of or seen before and never done any transactions with. Totaling almost {$6000.00} XXXX dollars. I then called Chime right away to tell them about the crime.And pleaded with them to cancel the transactions they told me they would not do XXXX Chime representative said I had to wait for the transaction to settle before they could do anything and file a claim. I called Chime and spoke with many different representatives in different departments and got absolutely nowhere finally after many days of no sleep and stress the transactions had finally settled. The rep for Chime had filed my claim manually. I explained to the Chime representative that whoever scammed me had connections to Chime services and that I knew a Chime representative ive spoken to on XX/XX/year> was involved they ignored me and dismissed both of my claims and told me if I had any further questions I had to contact a different department. I filed multiple claims with Chime regarding this matter, and every last XXXX of my claims have all been denied. I filed a police report with the XXXX XXXX XXXX XXXXXXXX New York received the police report and sent it to Chime filed another complaint and another claim with Chime they still denied my claim. I sent Chime multiple evidence, screenshots and pictures of the text messages along with the email messages along with a screenshot of the voicemail message and they still denied my claim. I then filed a complaint with the FBI Internet crime complaint center, on XX/XX/year>,. I have contacted Chime in writing an email and when it was all sent and done, the scammer was responsible for {$5900.00} deducted from my account and chime representative is involved and chime is allowing it to happen and did not help me at all. Because they dont want be held accountable. I did some research on the Internet and found that I am not the only victim that this happened to that Chime have treated unfairly. there are multiple stories on the Internet, where similar events have occurred and Chime have denied claims and responsibility. I am in a fixed income XXXX and that money was for a home for me and my family. XXXX desperately seeking help to get my money back to whomever this XXXX concern. Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation