Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #11841679
Complaint Overview
Complaint ID: 11841679
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Ohio
ZIP Code: 45224
Date Received: 2025-01-29T12:00:00-05:00
Date Sent to Company: 2025-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer advocate, I am reaching out here because I'm not sure where else to turn at this point. I first noticed the issue on XX/XX/year> - it started with my XXXX account. I tried logging into it and noticed that I could not login due to my account being suspended because some XXXX user that I don't even know must have violated their rules and this somehow got connected to my account for some unknown reason. I then learned my XXXX account was hacked and it was at this time that I learned that my Chime bank account I am complaining about had also been hacked because there was a {$60.00} XXXX purchase for some type of x-Box gift card that was made during the time that my accounts were compromised. The reason I mentioned my XXXX account is because that is probably how the hacker got my Chime bank account information. The reason I brought up the XXXX hack is because I learned there was no way to reach them to attempt to explain the situation and restore my account ( unless you pay $ XXXXmonth fee for their " customer support '' ), so I contacted the Ohio State Attorney Generals office and logged a complaint. They were able to contact XXXX and get my account restored, but when I asked them for help with the fraudulent purchase on my Chime account, they mentioned they could not assist me with that matter and referred me to this service. When I reported this issue to XXXX, they sent me an email confirming that this is a fraudulent charge and they performed the following actions on my XXXX account : Disabled my password Reversed modifications made by the hacker Canceled any pending orders Restored any gift card balance Disabled 2FA verification on my account They also provided me instructions to change my passwords as well as several other recommendations to secure my account. They however said that any reversal of a charge would have to be issued by the financial institution ( Chime in this case ). I sent screenshots of this XXXX email to Chime as well as screenshots ( this is all they allow ) of the email from the Ohio XXXX Attorney general ( which essentially confirms that fraud was committed in my accounts ). I tried to get chime to honor this but they have now twice rejected my claim. I can provide any other details or documents necessary to help resolve this matter. Thank you!
Frequently Asked Questions
What is Complaint #11841679 about?
Complaint #11841679 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-01-29T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.