Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> at XXXX I got contacted via Text message ( XXXX ) from Chime that my Chime Builder Card was used in Texas .

I responded by saying, No. ( Text Message Attached ) I was then told by Chime a representative will contact me shortly. 

XX/XX/year> at XXXX Chime called me on my cellular phone ( XXXX ) I was with Chime on the phone for XXXX minutes and XXXX seconds. 
They introduced themselves from Chime and stated the fraud alert and what card it came from which was my Credit Builder Card.

I told them I didn't authorize the transaction so they advised me to transfer my funds to a new account and get new cards. 
I responded accordingly by taking their advice. 
Prior to my decision, I looked up the number that called me and went online to confirm that it was Chime who called me and the numbers matched. 
I wasn't going to provide any information, however since the number was the same and they confirmed my information in my transaction history I followed their instructions. 
They opened up an account ( New Profile Account ) and gave me new account numbers. ( Email Attached ) We tried to transfer to them, however the transfer was not working. Kept getting an error message from Chime. 
I was then instructed to transfer to an account because it needed an override. 
All {$1600.00} were transferred to a XXXX XXXX through the Chime App. ( {$1500.00} was in my account and the {$100.00} was from the Loan offer from Chime ) After all the funds were transferred over, I was advised that my funds would be available within the hour.

I waited and at the one hour mark I looked at my app and no funds were there. 
I called Chime and that's when the truth was revealed. I was scammed. 
Chime had no record of calling me, even though I have it on my phone 's call log. ( Call Log Attached ) They don't have any information regarding the one hour call I had and that's when I spoke to the fraud department. 
I told them what had happened and they gave me a dispute number # XXXX. 
They said they would give me an update on the dispute once they have it. 

XX/XX/year> at XXXX I received an email from Chime that they closed out my dispute case and will not refund me the money I had lost due to a scam. ( Email Attached ) XX/XX/year> at XXXX I called Chime and went to a supervisor asking why the dispute case was not approved. 
I went through XXXX different persons explaining my situation. 
I was frustrated that I kept asking to speak to another supervisor who will guide me on what can be done at this point. 
The Chime supervisor advised me to get a Police Report and submit it to them. 

XX/XX/year> at XXXX I called Chime again to provide them a temporary Police Report case number # XXXX. 
I submitted the document to https : XXXX I was then told to wait on an update. 

XX/XX/year> at XXXX I called Chime and updated my Police Report temporary number to an official XXXX # XXXX. 
( Document Attached ) XX/XX/year> at XXXX I called Chime to get an update to my re-opened dispute and was told it was closed with the exact same answer. I asked the representative to reopen it and have them look again. 

XX/XX/year> @ XXXX I called Chime to get an update to my current re-opened dispute. I also sent them more information via emails I got from the entire transaction. Still pending. 

XX/XX/year> @ XXXX I got an email from Chime stating XXXX on our investigation, we have concluded no erroroccurred.

Company response to consumer: Closed with explanation