Checking or savings account -- Managing an account -- Complaint #18140597
Complaint Overview
Complaint ID: 18140597
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Delaware
ZIP Code: 19805
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I woke up on XXXX XXXX and realized my direct deposit had not hit my account. I checked my account and noticed unauthorized cash advances through the my pay feature and pay anyone function. {$52.00} from my pay advance and 15 transaction from pay anyone feature. The charges were declined 3 times one to XXXX XXXX apparently in XXXX failed and 2 for XXXX XXXX in XXXX XXXX and XXXX XXXX in XXXX keep in mind I did not leave XXXX Then from XXXX XXXX XXXX transactions went through ranging from $ XXXX increments went through to XXXX XXXX who accessed my pay advance and removed {$52.00}. Once I realized I called chime at approximately XXXX XXXX and advised them of the problem. I advised them of my last transactions whoc occured at Abt XXXXXXXX XXXX and told them I had been hacked. And completely complied with everthing needed apke to their fraud department and was cooperative with their procedure I pointed out how as the consumer they allowed these transactions to go through without even alerting me and now I receive an email atatin my claim is denied. clearly it is no way I can be in XXXX states in such a short time frame I don't know these people and advised a police report can be furnished and I had to pick it up. This is a major inconvenience I advised needed to travel and alerted them I will be in XXXX XXXX XXXX however the decline is a disadvantage as I have bills to pay and I was transparent letting them know the time I used this feature was yr ago this is inconvenient and unfair. I need my money pls help.
Frequently Asked Questions
What is Complaint #18140597 about?
Complaint #18140597 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.