Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing a complaint against Chime Financial , Inc. for failing to properly investigate and reimburse funds lost due to a documented rental fraud scam, despite timely disputes, submission of a police report, and confirmation of an open criminal investigation. Transaction Details Between XX/XX/XXXX and XX/XX/XXXX, I sent the following peer-to-peer ( XXXX ) payments through my Chime account to an individual who falsely represented himself as the legal owner/landlord of a rental property : XX/XX/XXXX {$100.00} ( application fee ) XX/XX/XXXX {$600.00} ( security deposit ) XX/XX/XXXX {$450.00} ( partial XXXX rent ) XX/XX/XXXX {$920.00} ( remaining XXXX rent ) Total Amount : {$2000.00} On XX/XX/XXXX, I was informed by another party that the individual was not the lawful owner and that I was the victim of a rental scam. We were forced to vacate the property. On XX/XX/XXXX, an eviction action was filed solely to formally document that we were not legally authorized occupants, further confirming the fraudulent nature of the transaction. Police Report Information I reported the fraud to law enforcement on XX/XX/XXXX. Police Report # : XXXX Case Status : Open Assigned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an active criminal investigation. Dispute History with Chime I filed XXXX separate disputes with Chime regarding these fraudulent transfers. Both disputes included the police report and supporting documentation. The first dispute was denied within hours of submission. A second dispute was filed and denied the same day. No meaningful explanation of the investigative findings was provided. Chime stated only that the transactions were authorized. The speed of the denials indicates that no reasonable investigation was conducted. XX/XX/XXXX Communications with Chime I contacted Chime again on XX/XX/XXXX, and XX/XX/XXXX. During those calls, multiple representatives informed me that : When my claim was denied the second time, it was not reopened. They had not received or escalated any further complaint internally. They did not intend to investigate the matter further. They would not issue a refund under any circumstances. During these conversations, I also informed Chime that the scammer had contacted me and offered to return the full {$2000.00} if I first sent an additional {$100.00}. Recognizing this as an attempt to further the fraud, I asked Chime whether they had any fraud or investigative department that could assist in facilitating communication in a controlled manner to potentially identify or assist law enforcement in apprehending the individual. Chime refused and offered no assistance. Regulatory Concern Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions must : Conduct a reasonable investigation of alleged errors, Review all relevant information provided by the consumer, Provide a written explanation of findings, Correct errors when appropriate. Although the payments were initiated by me, they were induced through criminal deception as part of a documented fraud scheme that is now under active investigation. Chimes blanket characterization of these transfers as authorized ignores the fraudulent inducement and fails to demonstrate that a reasonable investigation was conducted. Their refusal to reopen the claim or review additional information raises serious compliance concerns. Harm Suffered As a direct result of this scam and Chimes refusal to return the funds, XXXX XXXX women who rely solely on XXXX XXXX income are now homeless. Requested Resolution I respectfully request that the CFPB require Chime to : Reopen and conduct a proper Regulation E investigation. Provide documentation detailing how the investigation was conducted. Reimburse the full amount of {$2000.00}. This matter involves documented criminal fraud, an open police investigation, and repeated refusal by Chime to meaningfully review the evidence provided

Company response to consumer: Closed with explanation