Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #19685419
Complaint Overview
Complaint ID: 19685419
Company: Chime Financial INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Tennessee
ZIP Code: 37040
Date Received: 2026-02-21T12:00:00-05:00
Date Sent to Company: 2026-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because I was the victim of an online scam, and my bank ( Chime ) has refused to properly investigate or reimburse the fraudulent transaction. On XX/XX/year>, I attempted to purchase a product from a website called XXXX ( XXXXXXXX ). The site appeared legitimate, and I paid {$300.00} using Chimes Pay Anyone feature. After payment, the seller provided a link to a fake shipping company called XXXX XXXX ( XXXX ), which displayed fabricated tracking information and false business details. I never received any product, and both websites are fraudulent. I contacted Chime to dispute the transaction, but they denied my claim without conducting a reasonable investigation. I was misled into sending money to a fraudulent merchant, which qualifies as fraud under Regulation XXXX Chimes denial does not reflect the facts of the case or the evidence I provided. I have filed reports with law enforcement and federal agencies, including : XXXX Police Department ( XXXX XXXX, Badge XXXX ) on XX/XX/year> at XXXX PM XXXX XXXX ( FBI XXXX XXXX XXXX XXXX ) FTC XXXX Federal Trade Commission ) I have screenshots of the fake merchant website, the fake shipping website, the fraudulent tracking page, the duplicate order dashboard, the payment confirmation, and all communication from the scammer. I am requesting that the CFPB require Chime and its partner bank ( XXXX XXXX XXXX, XXXX. ) to conduct a proper investigation under Regulation XXXX and reconsider my dispute. I was scammed by a fraudulent website ( XXXX ) and paid {$300.00} through XXXX Pay Anyone feature. The seller sent fake shipping information from another fraudulent site ( XXXX ), and I never received any product. I reported the fraud to Chime, but they denied my dispute without a reasonable investigation, despite clear evidence that I was deceived. I have filed reports with the XXXX Police Department, IC3, and the FTC. I have screenshots of the fake websites, tracking page, payment confirmation, and all communication. I am requesting that the CFPB require Chime and its partner bank ( XXXX XXXX XXXX, XXXX. ) to properly review my case under Regulation XXXX.
Frequently Asked Questions
What is Complaint #19685419 about?
Complaint #19685419 was filed against Chime Financial INC regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2026-02-21T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.