Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/year>, an unknown individual accessed my Chime account and transferred {$2900.00} to another Chime account without my authorization. The funds were sent internally within Chime to a user identified as XXXX XXXX with the Chime tag $ XXXX XXXX XXXX in XXXX, Michigan. I do not know this person and have never been to Michigan. 

This transfer was not authorized by me and constitutes an unauthorized electronic fund transfer under Regulation E. Because this was a Chime-to-Chime transfer, Chime has full knowledge of the recipient account and the ability to trace the transaction. 

I reported the fraud to Chime. Chime failed to provide provisional credit, failed to conduct a reasonable investigation, and instead closed my account after approximately XXXX years of use without resolving the dispute or reimbursing the stolen funds. I did not receive proper written findings explaining the denial as required under Regulation E. 

The stolen funds were money I had recently borrowed from my employer-sponsored XXXX ( k ) plan and were intended for housing expenses. The loss of access to these funds caused significant financial hardship and distress. 
Chime previously responded to a CFPB complaint by stating that no error occurred based on unspecified device and login activity. However, Chime failed to provide any documentation proving that I authorized the transfers or benefited from them, as required under Regulation XXXX. 

The unauthorized transfers were internal Chime-to-Chime Pay Anyone transfers sent to a known Chime user identified as XXXX XXXX ( $ XXXX XXXX, located XXXX XXXX XXXX Michigan. I do not know this individual, have no connection to Michigan, and did not authorize these transfers. 

Chime did not explain how money from my account was transferred to a named third party without authorization, nor did they provide transaction-level evidence, device logs, or proof of consent. Instead, Chime closed my account after 8 years of use without reimbursing the unauthorized transfers. Since Chimes prior response to my CFPB complaint, I have confirmed that my personally identifiable informationincluding my email address, phone number, SSN, and home addresswas compromised and found on the dark web. I received formal alerts from Experian confirming this identity exposure. 

This identity compromise directly contradicts Chimes assertion that no error occurred based on device and login activity alone. Compromised credentials and intercepted verification methods can allow unauthorized access without triggering traditional account takeover indicators. 

The unauthorized transfers on XX/XX/year> were internal Chime-to-Chime Pay Anyone transfers totaling {$2900.00} and sent to a known Chime user identified as XXXX XXXX ( $ XXXX XXXX, located XXXX XXXX XXXX Michigan. I do not know this individual and did not authorize these transfers. 

I am requesting reimbursement of {$2900.00} via check and written documentation proving authorization, which has not been provided.

Company response to consumer: Closed with non-monetary relief