Checking or savings account -- Managing an account -- Complaint #19343311
Complaint Overview
Complaint ID: 19343311
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: Texas
ZIP Code: 78744
Date Received: 2026-02-08T12:00:00-05:00
Date Sent to Company: 2026-02-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a new account holder with Chime and entrusted them with all of my money ; my Direct Deposit from my new job, a cash deposit of {$1000.00} ( via XXXX, which they instruct you to do ), and that my account was secured. Through a phone call, not by my clicking on an unknown link, my account was hacked and everything was stolen. I received an email saying that I was due a refund from XXXX ; the email had XXXX in the senders email and it had the XXXX logo on the email. These XXXX men on this call, keeping me on the phone while they hacked into Chime, posed as XXXX employees and said Chime had hidden my entire balance for security reasons and that Chime would return it within XXXX hours. This horrific nightmare happened Friday, XX/XX/year>. Chime closed my account Wednesday, XX/XX/year>. This {$1900.00} was everything I had in this world- I recently deposited {$1000.00} from a settlement check from The CFPB, and I called Chime crying in a panic. I called them XXXX Friday, XXXX times Saturday, twice Sunday, and Monday and Tuesday after work. My XXXX disputes for {$1900.00} were denied, without ever working with me, calling me or asking questions. I submitted over XXXX screenshots of the fraudulent transactions that were from XXXX, and these XXXX scammers had XXXX accents. I knew something was terribly wrong as they became increasingly aggressive and rude, and they were impatient with my questions and concerns. I was screaming at them, as I held my phone watching my balance of {$1900.00} disappear!! Chime abandoned me, and they refused to accept how they were responsible for securing my account. I filed a police report in XXXX, XXXX, with the XXXX Police Department, and I notified Chime of this. They did nothing to help me with this unimaginable crisis! I have also filed a complaint with The FTC, and I need help making them accountable. I also filed a detailed complaint with The XXXX and The FTC. My large deposit was from a recent settlement from The CFPB from XXXX XXXX - I was so grateful for this and how it was helping me get back on my feet, after losing all of my belongings because of a sibling who lied and allowed my storage units to be auctioned off.
Frequently Asked Questions
What is Complaint #19343311 about?
Complaint #19343311 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2026-02-08T12:00:00-05:00.
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.