Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #18896437
Complaint Overview
Complaint ID: 18896437
Company: Chime INC.
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Nevada
ZIP Code: 89044
Date Received: 2025-10-07T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX, and XX/XX/XXXX, I was scammed out of {$1600.00} after sending a peer-to-peer payment through my XXXX account for a car for my Neice that she never received. I immediately reported the fraud and filed a dispute, but XXXX denied my claim and refused to refund my money. I provided full evidence showing I was deceived under false pretenses. Although I authorized the peer-to-peer payment, it was made under false pretenses and obtained through deception, which constitutes fraud. Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) and CFPB Bulletin XXXX, financial institutions may not engage in unfair or deceptive practices by denying assistance to consumers who were tricked into sending money through scams. Chimes failure to properly investigate or provide relief in this matter violates federal consumer protection standards, and I am requesting that the CFPB require XXXX to issue me a refund.
Frequently Asked Questions
What is Complaint #18896437 about?
Complaint #18896437 was filed against Chime INC. regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2025-10-07T12:00:00-05:00.
How did Chime 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 INC.?
Yes, visit the Chime INC. company profile at readthecomplaint.com/company/chime-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.