Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am not satisfied with the investigation done on my dispute. Ive called multiple times and explained it to multiple agents about what happened and the only time I received an intake form after requesting it every single time was once and upon looking at the intake form, it was recorded incorrectly and missing a lot of information that was crucial to the investigation so I was very upset about that. I called later that evening and spoke to someone and he was very helpful and the only one that was able to look up the timestamp on the call that Chime received on that Sunday evening/night where I supposedly close my account and I have seated multiple times that I never spoke to an actual Chime representative on that evening so therefore the call that Chime receipt was by the scammer the fraudulent person that also took my money at the exact same time. I was on the call at XXXX XXXX  central time and the call that Chime received by not my phone number and by not me was about five minutes later and there is no proof in my history of phone call log that even shows an outgoing call on my end. Only an incoming call from Chimes phone number where the scammer posed the number or did something to make it appear as if I was talking to Chime I furthermore did not authorize nor give any information to where they were able to close my account other than what Chime usually asked on the phone. There was no alert in my head to think oh well this person is trying to do that but unfortunately, they were able to do that and were able to pose as me and close my account with Chime the same night that they stole my money and I couldnt stop it that night. Additionally, Ive been asked multiple times if my phone had been lost if my card was stolen, I get those are processed questions involving every single dispute and Ive seen multiple times that I never had my physical card cause I requested a new card earlier that Friday before Sunday and it was in the process to be mailed so I never physically had an active card with me. No, it was not lost or stolen but no, I did not have that physical card. Im altogether very upset on how Chime closed my account without my authorization one and how all my money got stolen by the scammer posing as a Chime member using the actual phone number from Chime. I now know that they dont do incoming calls however, given everything is seemed very real in that moment to me at the end of the day Chime is still yet to respond to me their final letter that they gave me and the consumer finance bureau stated that I was the one that closed my account on that night and that is false. I have valid proof valid evidence that I never close my account on that night and Ive asked multiple times for them to reopen it and look at that phone call and get information on that and Chime has not given me that information and they keep saying that I did and I never did.

Please look at the information in that phone call investigate further I have spoken to an attorney. They have all the information and all the evidence and it shows that there is neglect on Chime for closing my account and a lot of security measures that were not properly done that evening, and they are ready to help me file for arbitration to get this filed or a lawsuit against XXXXChime .

Company response to consumer: Closed with explanation