Checking or savings account -- Managing an account -- Complaint #18148416
Complaint Overview
Complaint ID: 18148416
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Tennessee
ZIP Code: 38111
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the morning of XX/XX/year>XXXX my wallet, which contained my Chime debit and Chime credit builder card, was stolen along with my cell phone. That same morning, between XXXX and XXXX ( exact times are in uploaded submission ), my card was used to make four fraudulent transactions. By the time I was able to get a phone to call Chime and notify them, the transactions had just been made. The next day I filed a police report with the XXXX Police Dept ( see submisson ) and on XX/XX/year>, I filed a report with XXXX. XXXX XXXX at the XXXX XXXX division of XXXX ( also submitted ). The officer who worked at this division received the camera footage of the thief using my cards to make illegal tranactions, verifying that it was not me who made these purchases. I have disputed these transactions three times and been denied all three times. Chime did not contact the Sergeant at the XXXX XXXX XXXX, even though I provided his name and number. I know this because after Chime denied my dispute the third and final time, I called him to see if they contacted him and he said that they had not. I have uploaded the police reports to their website in a timely manner and they don't seem to be investigating it, just simply denying my disputes.
Frequently Asked Questions
What is Complaint #18148416 about?
Complaint #18148416 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.