Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX Chime Financial , Inc. operating under XXXX XXXX XXXX XXXX as a XXXX XXXX, accepted fraudulenttransactions and is in violation of Regulation E, KYC regulations, the Bank Secrecy Act, and Title III of the Patriot Act. 

A Chime checking account, which is not in my name, was added to my XXXX account without my authorization. On the same day, within 2 minutes of each other, a series of unauthorized transactions occurred, allowing {$51000.00} USD to be withdrawn from my XXXX account and transferred into the checking account at Chime. 

My accounts, passwords, 2-step verification codes, and networks are secure. I do not use unsecured networks or public computers. I adhere to all the terms of the XXXX  User Agreement. 

Total Loss : {$51000.00} USD ( Unauthorized Withdrawals : {$51000.00} USD + Fees for Unauthorized Transactions : {$980.00} USD ) I notified Chime of the fraudulent activity immediately. Chime has done nothing. As of XX/XX/XXXX, financial institutions must use the Bank Secrecy Act BSA E-Filing System in order to submit Suspicious Activity Reports. A financial institution is required to file a suspicious activity report no later than 30 calendar days after the date of initial detection of facts that may constitute a basis for filing a suspicious activity report. 
XXXX XXXX XXXX  I should have been provided provisional credit to my account while the fraudulent activity was investigated. 

A Hold Harmless Agreement letter to the receiving bank, Chime Financial , Inc., should have been issued to reclaim the funds. 

Chime will not provide information about the fraudulent checking account to the FBI or myself. Without it, the FBI, XXXX  and Police cant issue a XXXX to freeze the money or investigate without it. Chime is obstructing the investigation. 

Chime will not give me the exact date and time stamps ( with timezone ) of when the IP addresses that were used to access my account were used to interact with the Chime account, which has been requested by the FBI, which is impeding and obstructing the investigation. 

When I call Chime Customer Support, I am transferred to several agents before being placed on hold with no waiting music. No agents answer the call, no matter how long I wait. 

The following reports have been filed : XXXX XXXXormal Complaint Case Number XXXX Date Filed : XXXX FBI - IC3 Complaint IC3 Complaint Submission ID : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX Federal Trade Commission - Identity Theft Report FTC Identity Theft Report Number : XXXX Called them on XXXX at XXXX XXXX XXXX Police Called on XXXX at XXXX Police report Number : XXXX Filed on XXXX at about XXXX Detective XXXX XXXX : XXXX Fraud Alert - 7-year Extended I froze my credit report at XXXX  on XXXX at about XXXX Filed XXXX, XXXX and XXXX Tennessee Department of Financial Institutions Consumer Complaint Reference XXXX XXXX XXXX New York State Department of Financial Services Consumer Complaint Case : XXXX XXXX Submitted : XX/XX/XXXX Office of the Comptroller of the Currency Report Number : ( waiting for this as of XXXX ) Date Submitted : XX/XX/XXXX Consumer Financial Protection Bureau ID FOR COMPLAINT SENT TO XXXX XXXX XXXX : XXXX Date Submitted XXXX XXXX Below is a timeline of unauthorized transactions between XXXX XXXXnd Chime. All of these were fraudulent and none of them were authorized : XXXX. Withdrawal : {$9000.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX XXXX XXXX. Withdrawal : {$9000.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX XXXX XXXX. Withdrawal : {$8000.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX XXXX XXXX. Withdrawal : {$8000.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX XXXX XXXX. Withdrawal : {$7500.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX XXXX XXXX. Withdrawal : {$9500.00} USD from XXXX to Chime - Chime Checking. Date and Time : XXXX XXXX UTC

Company response to consumer: Closed with explanation