Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I received a text message asking, Did you just try to use your chime card for {$760.00} at XXXX XXXX? reply yes or no. I replied no. Then I received a text, we have declined the transaction and put a temporary block on your account. A Chime XXXX will call you immediately to protect your account. I received a call stating he was a chime bank representative. He said, your account has been compromised. We need to close your account and open a new account for you. XXXX looking at the chime app on my phone. Some how he was able to transfer my money from my savings account to my checking account then closed my savings account. He said, next we need to transfer your money from your checking account to your new account. I am sending you a email with your new account number. I need you to copy and paste your new account number. I received the email from chime with my new account number. Copied and paste it then exit the email and returned to the chime app. He said, now we need to transfer your money to your new account number. Hit pay then paste your account number where it ask you who your sending money to. I did so and the name XXXX XXXX appeared. I ask who he was. I was told he was a high up team XXXX in the frauds prevention department. He said for security purposes we need to send your money to your new account in small amounts. He ask I send XXXX dollars first. It declined the transaction. He said thats okay its just a safety thing. Send XXXX. I did and it even ask are you trying to send XXXX dollars to our chime XXXX XXXX XXXX. I clicked yes and it sent XXXX dollars to my new checking account. I felt comfortable doing this because it said in the app that XXXX XXXX was a chime XXXX. Then he said do it again but this time send {$250.00}. I did and then again for {$350.00}. Then I got a awful feeling and started asking more questions. He told me I had to continue to send the full amount or he couldnt finish opening my new account. I refused to send anymore money. I sent the remaining balance to my husbands account. I wish I wouldve done that to begin with. He said if I dont send the amount that we set your new account up for it would look like they did something wrong on there XXXX tried everything to get me to send the rest of my money. When they realized I wasnt doing it he said, we need to close your account and send you a check for the XXXX $ I had sent to My new account. I said, fine do that then. He said, but if we close your account it will cause the XXXX XXXX transaction to go through and then your account will be in the negative and you wont receive your {$700.00}. After arguing about it I hung up on them and called chime back. When I explained to them what was going on they explained to me I had been scammed and they could not stop the transactions that I had sent to XXXX XXXX. I disputed it but it was denied. The scammer had some how managed to close my account and I had to have chime reopen it. I never gave them personal information except my email address and last XXXX of my social security number. I dont know how they was able to transfer my money from my savings account to my checking account then close my savings account and then close my checking account. When I hit the pay button in the chime app to pay XXXX XXXX it said we see your trying to pay XXXX XXXX our chime XXXX. Like how did they get the app to say that? After realizing I was scammed I called the number back a few days later and he laughed at me and called me all kinds of names. The number he called from is XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation