Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #17887572
Complaint Overview
Complaint ID: 17887572
Company: Chime Financial INC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Mississippi
ZIP Code: 39402
Date Received: 2025-10-22T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
On XX/XX/XXXX, I applied for a loan with XXXX XXXX who was the loan officer and he agreed to give me an installment loan of {$10000.00} from his company. I sent him my personal information which included my Chime Bank routing and account number. my social security number, my mother 's maiden name, my Chime Bank debit card information, my cash app identification, my personal XXXX account information, and my XXXX XXXX XXXX XXXX routing and account numbers. On XX/XX/XXXX, he created a fake document showing a deposit of {$5000.00} into my Chime account. On XX/XX/XXXX, I spoke with a representative of Chime Bank and was told that there is NO pending deposit of {$5000.00} in my Chime account. On XX/XX/XXXX, XXXX XXXX or his associate took {$300.00} from my Chime account with a promise that I would receive the loan. On XX/XX/XXXX, I gave XXXX XXXX my new phone number. On XX/XX/XXXX, XXXX XXXX was given {$80.00} from my XXXX account with the promise I would get the loan. On XX/XX/XXXX, XXXX XXXX or his associate withdrew {$940.00} and {$990.00} from my Chime account which was not authorized. This was done through XXXX XXXX. The following are the Chime bank withdrawals : XX/XX/XXXX - of {$5.00} to his associate XXXX XXXX ; XX/XX/XXXX withdrawal of {$300.00} to his associate XXXX XXXX ; XX/XX/XXXX - withdrawal of {$2400.00} to his associate XXXX XXXX. On XX/XX/XXXX - withdrawal of {$100.00} and {$920.00} through his associate XXXX XXXX. On XX/XX/XXXX at XXXXXXXX XXXX XXXX, I informed XXXX XXXX that the total amount he needs to send back to me was {$3500.00}. On XX/XX/XXXX, I asked XXXX XXXX whether he was paying me back the {$3500.00} and also give me the loan of {$10000.00}. At XXXX XXXX XXXX, he said yes. At XXXX XXXX XXXX, I asked XXXX XXXX to send me the loan agreement and he said yes. On XX/XX/XXXX at XXXXXXXX XXXX XXXX he said that I would get both the {$3500.00} and the {$10000.00} loan that day. On XX/XX/XXXX, he sent me a loan agreement with the wrong address. He then sent me another loan agreement with my correct address. As of this date, XX/XX/XXXX, XXXX XXXX refuses to give me both the {$3500.00} and the {$10000.00} loan.
Frequently Asked Questions
What is Complaint #17887572 about?
Complaint #17887572 was filed against Chime Financial INC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-10-22T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.