Money transfer, virtual currency, or money service -- Unauthorized transactions or other transaction problem -- Complaint #14223580
Complaint Overview
Complaint ID: 14223580
Company: Chime Financial INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem
State: Ohio
ZIP Code: 43055
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year> I contacted chime to let them know that I had money missing out of my account and XXXX unauthorized transactions. I informed him I was in the hospital since XXXX and that I had proof when I got out. They informed me that they filed a dispute and that on XX/XX/year> I would receive a credit. XX/XX/year> I uploaded a police report, hospital paperwork from my doctor informing them I never left my room except for testing. On XX/XX/year> I logged in to find out they denied my dispute with a split decision and there was no information uploaded or attached to my dispute. It took me over XXXX calls to even get my dispute filed after being hung up on several times and being called a liar. I placed XXXX more calls to chime before reaching someone and appealed my denial. I was told on XX/XX/year> I would receive a credit to my account and before that date I was denied again. I asked for proof and didn't receive anything besides a transaction list. In my dispute it says split decision but the money that was refunded to my account the day of said unauthorized transaction was spent by the person that was in my account. I had several logins on devices that was not mine or even in locations I have ever been too. There is NO way they investigated XXXX transactions in a few days. ALSO THE LIVE BOT SAID I HAD NO DISPUTES FILED WHEN THERE WAS Supposed TO BE AN OPEN DISPUTE THATS HOW I KKOW THEY ARENT EVEN DOING IT. THEY ARE LYING TO CUSTOMERS. WHEN ASKED BY THE BOT FOR MY DISPUTE NUMBER IT SAID NO DISPUTE EXISTS. EVEN AFTER ASKING A LIVE REP WHY IT SAID THAT THEY CONTINUED TO CHANGE THE SUBJECT. STILL NOTHING UPLOADED TO MY DISPUTE AND THIS IS HAPPENING TO THOUSANDS OF PEOPLE ALL OVER THE WORLD. CHIME NEEDS TO HELD ACCOUNTABLE FOR LYING AND USING DECEPTIVE INFORMATION TO STEAL FROM CUSTOMERS WITH NO RECOURSE. THIS NEEDS TO BE A CLASS ACTION. BEING A VICTIM OF IDENTITY THEFT THIS HAS NOT LEFT ME MANY OPTIONS FOR A BANK. I DO NOT TRUST ANYTHING THAT HAS TO DO WITH THIS COMPANY. IF YOU ARE THINKING ABOUT USING THEM RUN AS FAST AS YOU CAN!!! YOU CAN'T EVEN GET A HOLD OF ANYBODY WITHOUT GETTING HUNG UP ON ESPECIALLY WHEN IT'S IMPORTANT YOU GOT TO KEEP CALLING BACK. IF I WAS YOU BOTH TIMES I CALLED XXXX TIMES BEFORE I EVEN REACHED ANYBODY.
Frequently Asked Questions
What is Complaint #14223580 about?
Complaint #14223580 was filed against Chime Financial INC regarding Money transfer, virtual currency, or money service specifically about Unauthorized transactions or other transaction problem. It was received by the CFPB on 2025-06-22T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.