Checking or savings account -- Managing an account -- Complaint #15444921

Complaint Overview

Complaint ID: 15444921

Company: Chime Financial INC

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Deposits and withdrawals

State: California

ZIP Code: 94536

Date Received: 2025-08-21T12:00:00-05:00

Date Sent to Company: 2025-08-21T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/XXXX I, XXXX XXXX, was the victim of fraud on Wednesday, XXXX XXXX at around XXXX. There were a total of 5 transaction attempts. 2 transactions for {$5000.00} each, 2 transactions for {$1000.00} each, and 1 transaction for approximately {$930.00} ; totalling almost {$13000.00} in attempted transactions. Only 2 transactions were successful, 1 of {$5000.00} & 1 of {$1000.00}, totalling {$6000.00} of stolen funds. All of Chimes calls and recordings are available for 60days. There's no reason why a call would not be available, as a Chime agent said. Documentation of Events & Timeline : XXXX : I had called Chime because my card was locked. XXXX : Scammer calls Chime. Asks about my transactions '' and XXXX feature. The scammer used caller ID as if it was me by altering the CallerID. Scammer passed verification by providing only my first and last name. Verified by Chime representative XXXXXXXX XXXX XXXX XXXXXXXX on his first call try. It was not my voice, it did not sound like me. Scammer did not pronounce my last name correctly. XXXX : My physical debit card didnt go through at XXXX XXXX XXXX XXXX. XXXX : I use my virtual card at XXXX. XXXX : Scammer calls, gets through verification, and accesses my account. The Scammer takes money out of my savings. Scammer closes my savings account. XXXX : I receive a call from the Scammer acting as a Chime fraud department representative. The scammer used Chimes caller ID on me, just as he used my caller ID on Chime agents 4 or more times. The false Chime representative ( aka the scammer ), informed me that my account had been compromised, coincidentally, my card had been blocked, so I became alarmed. He dictated my recent transactions for me to verify along with my other info : Each of my recent transactions, detailed with a dollar amount. A fake transaction that never existed from XXXX XXXX for XXXX XXXX that he used as a transaction that was compromised. Email Full checking account number. 1 Address. As Im on the phone, I verify the caller ID. As Im told my account has been compromised, I check my Chime App. I see that my savings account is gone. I panic. Scammer explains how we have set up a secure Chime account and directed to transfer checking funds into the new account I had been given. As Im on the phone, I receive an email from Chime Security with my new fake checking account number and routing number. The Scammer directs that in order to keep the account safe, transfer to a new account. As I do 1 transfer, I see a name XXXX XXXX. As Im trying to stop it, the scammer does another {$5000.00} transaction at the same time as the one I did. Only one went through because of my {$5000.00} limit. Then I see a {$1000.00} pull from my virtual debit card I had just unlocked to make a purchase. As I see that {$1000.00} transaction from my Virtual debit card XXXX XXXX XXXXXXXX, I locked my card. Another transaction of around {$920.00} - {$930.00} was attempted but denied as I had barely locked my card ; both transactions happened in less than a minute from each other. XXXX : During my call, the scammer calls chime ( likely an accomplice ) with a different voice than me, passes verification, and asks about my physical debit card. XXXX : During my call, The scammer calls Chime again, passes verification again, and asks about XXXX and virtual debit card information. XXXX : During my call, Chime transferred to a fake bank account known as XXXX XXXX XXXX XXXX the phone number of ( XXXX ) XXXX. XXXX : During my call, Transaction from my virtual card ending in visa # XXXX to XXXX XXXX XXXX of {$1000.00}. Transaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX XXXX : During my call, I block my virtual card ending in visa # XXXX. XXXX : During my call, An attempted transaction of around {$920.00} - {$930.00} was attempted from visa # XXXX to XXXX XXXX XXXX, but did not go through. XXXX : I ask questions, trying to buy time and get info, while reaching Chime support. XXXX : Call hangs up. XXXX : I call Chime. XXXX : I reached Chime support. XX/XX/XXXX All day : Spent about six hours on the phone that day reaching Chime; spoke to over 15 agents and supervisors that day. Called XXXX XXXX, Since Im not an Iphone holder, they didn't provide me much help. They said Chime would have to reach out to them and Co-investigate the issue. They could only share information with Chime. XXXX XXXX XXXX : I reached out to multiple departments and spoke with a Chime Card Member Services Supervisor named XXXX . XXXX Chime case # : XXXX Chime transaction reference ID : # XXXX @ around XXXX : XXXX is able to put a stop to the transaction of {$1000.00} : From my virtual card ending in XXXX XXXX XXXXXXXX to XXXX XXXX XXXX of {$1000.00}. Transaction status as PENDING. Transaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX My {$1000.00} was returned to my checking account immediately. XX/XX/XXXX : I reached out to the FBI-IC3 Unit. and filed a report. I also filed a complaint with the FTC. I was also reached out by a US Secret Service agent XXXX XXXX who has been trying to get in touch with the Chime Fraud, Legal, and Resolutions team, but has received no answer nor updates. FBI - IC3 Report : Submission ID # : XXXX Date filed : XX/XX/XXXX @ XXXX ( XXXX XXXX ) ( XXXX XXXX ). Talked to an Agent as well. FTC Complaint ID # : XXXX FTC indicates for the victim ( I, XXXX XXXX ) to reach out to my financial institution ( Chime ) for a solution. The funds are insured by the federal government to fraud/theft. XXXX - Special Agent : XXXX XXXX He has been trying to reach Chimes legal team, Fraud & Resolutions department since XX/XX/XXXX ; NO ANSWER/NO CALLBACK. Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX @ XXXX : A Transaction from my virtual card ending in XXXX XXXX XXXX to XXXX XXXX Balance XXXX XXXX of {$1000.00} while that card was locked. Transaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX Virtual card XXXX # XXXX was LOCKED at the time of the transaction. It posted immediately ; it didnt have a pending status. Either the scammer called XXXX XXXX and demanded the transaction. Or XXXX paid out, the receiver cashed out, therefore XXXX XXXX pushed the transaction. Notes on those transactions : The XXXX XXXX account belongs to someone. The XXXX XXXX account likely cashed in on the on the transaction of {$5000.00} Chime transferred to a fake 3 account known as XXXX XXXX XXXX with the phone number of ( XXXX ) XXXX. Most of my information the scammer obtained was through the 4 calls to Chime support that he made, potentially more. ( XXXX ) XXXX number is from XXXX. The Scammer seems to operate in the middle of the day. Potentially, an associate could be compromising information ; important to look into which agents passed verification. By not providing further information, recordings, or by not doing the proper investigation on this matter, along with the verification errors on Chimes behalf, it demonstrates the Chime is enabling scammers to commit fraud. Chime passed verification to the scammer y providing only a first and last name ( XXXX, XXXX ). The odds for a Chime agent to do so is 1 in 19, even tho that error is way too high, the scammer passed on the first call and collected more of my personal and banking information to use against me. The money that has been stolen, is insured by the federal government. Why am I not getting this money back? I am moving forward in reaching out to file complaints with The Californias state Attorney General as well as CFPB, and the XXXX & other outlets for consumer awareness. XXXX XXXX is only an hour away, I would be glad to set up an appointment in person with whoever it may concern. For Chime to follow : For XXXX XXXX ( XXXX ) to be contacted by the Legal & Resolution team of Chime. For the LEGAL/RESOLUTION/FRAUD departments to contact XXXX. XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX To refund my 2 disputes of {$5000.00} and {$1000.00}, totalling {$6000.00}. Investigate properly. Otherwise you are enabling fraud and ruining your loving customers lives. All the information Ive provided regarding Chime, it can be found in your system. I'm aware calls and activity are recorded for 60days, do not destroy or hide informational evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime Checking Account # : XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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