Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
These images show my physical injuries, which could be significant in the context of my Chime dispute they are related to the fraud incident or any altercation involving the suspect, XXXX XXXX. 

First Image Shows redness, irritation, and possible bruising around my eye. 
early signs of swelling or a reaction to trauma. 

Second Image Shows a serious injury with a deep cut running from my forehead down through my eye, with swelling and bruising. 
The blood suggests a recent wound, and the swelling around my eye indicates a serious impact. 

How This Connects to My Case these injuries were a result of an attack linked to my fraud case or the suspect, they serve as critical evidence in my police report and dispute. 
I was assaulted while dealing with my stolen money, it reinforces the urgency of my claims. 
XXXX XXXX caused these injuries, it further shows his pattern of criminal behavior. 


1. The Fraudulent Transaction & Unauthorized Access I was a victim of financial theft and physical assault, which resulted in XXXX XXXX XXXX forcefully taking {$2000.00} from my Chime account. 
On XX/XX/XXXX, at XXXX AM, I received an email from Chime about a new login from XXXX, XXXX location I did not recognize. 
Shortly after, XXXX XXXX physically forced me to send him {$2000.00}, leaving me no choice but to comply. 
After taking the money, XXXX changed my Chime password, locking me out of my own account. 

I reported the incident to law enforcement immediately, and Chime still denied my dispute, despite the clear evidence of coercion and theft. 



2. The Suspect : XXXX XXXX XXXX I had previously sent {$33.00} to XXXX XXXX, but he later demanded {$2000.00} by force. 
After taking the money, he ensured I could not regain access by changing my account password. 
The XXXX Police Department documented the case and is actively investigating. 
Public records confirm XXXX XXXX violent criminal history, including : Domestic Violence ( XXXX ) Assault and Battery ( XXXX ) His prior charges further prove his history of violent behavior and criminal intent. 



3. My Actions to Fight the Dispute A. Law Enforcement Involvement I filed a police report in XXXX, XXXX, where the incident took place. 
The case is under investigation, and law enforcement is working to confirm the transaction, login records, and physical assault. 

B. Filing Complaints with Regulatory & Consumer Protection Agencies I have filed complaints with : 1. CFPB ( Consumer Financial Protection Bureau ) Investigating Chimes mishandling of my fraud case. 
2. OCC ( Office of the Comptroller of the Currency ) Holding Chime accountable for failing to prevent coercive transactions. 
3. XXXX  DIFS ( Department of Insurance and Financial Services ) Addressing Chimes failure to protect its customers. 
4. BBB ( Better Business Bureau ) Ensuring Chime faces consumer consequences for its negligence. 

Each agency is being notified of Chimes failure to protect me from financial abuse and coercion. 

C. Contacting Government Officials I reached out to XXXX XXXX XXXX, who has the ability to apply pressure on Chime and the regulatory agencies involved. 



4. My Injuries & Their Connection to the Case First Image : Shows redness, irritation, and bruising around my eye, indicating physical trauma. 
Second Image : Shows a deep cut running from my forehead down through my eye, swelling, and bruising, a direct result of XXXX XXXX physical attack. 

This is not just financial fraudthis is robbery and physical assault. 
XXXX XXXX used force to take my money. 
He left me injured and financially compromised. 
Law enforcement is treating this as a criminal investigation. 

Chimes refusal to acknowledge a forced transaction under duress is an outright failure to protect its customers. 



5. Why Chime Must Be Held Accountable This was not an authorized transactionit was a robbery. 
Chime ignored my police report, medical evidence, and the fact that my password was forcibly changed. 
XXXX XXXX has a violent criminal history and physically assaulted me. 
I have provided overwhelming evidence of theft and coercion, yet Chime refuses to act. 

Chime is complicit in allowing criminals to steal money under duress and then denying the victims their rightful refunds. 



Next Steps 1. Continue working with the XXXX Police Department to ensure XXXX XXXX is prosecuted for robbery and assault. 
2. Follow up with the CFPB, OCC, and XXXX  DIFS to ensure regulatory action against Chime. 
3. Push XXXX XXXX XXXX office for a response to put additional pressure on Chime. 
4. Expose Chimes failure through media coverage.

5. Pursue legal action against Chime for negligence in handling a robbery case. 



Final Thoughts I will not accept Chimes negligence in allowing a violent criminal to steal from me and physically harm me. I have police reports, medical evidence, and regulatory complaints proving my case. 

Chime must refund my stolen money and take responsibility for allowing criminals to exploit their platform.

Company response to consumer: Closed with explanation