Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #5061534
Complaint Overview
Complaint ID: 5061534
Company: Chime Financial INC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Texas
ZIP Code: 766XX
Date Received: 2022-01-01T12:00:00-05:00
Date Sent to Company: 2022-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I had never used a cash app except for XXXX before until XXXX XXXX, 2021 when my son asked me to open a Chime account so he could send me {$500.00} for his final car payment on a vehicle he had purchased from my husband and I. I created my Chime account and he transferred to {$500.00}. The next day I checked the account and the balance showed {$500.00} as expected. I tried to link the card to my XXXXXXXX XXXX account and my XXXX XXXX XXXX XXXX account as Chime stated was possible in order to transfer the funds but neither bank would link to the Chime card. Since I planned to use the {$500.00} after XXXX at the XXXX store along with XXXX gift cards my husband and I have received I decided to just leave the {$500.00} on the card and take it to use at the XXXX store. Once the actual debit card came in the mail I activated it in the Chime app as instructed and set up a PIN. I also checked the balance and it was still {$500.00}. On XXXX XXXX my husband & I drove XXXX miles to the XXXX store at the Domain in XXXX, TX which is the closest one to where we live in XXXX, TX. When we tried to purchase the items the Chime card was declined! I was mortified! While my husband tried several attempts at different amounts ( all failing ) while I contacted XXXX where I was told they were having problems and I would need to wait till the next day! The next day I went to and ATM to withdraw cash and the card was declined again. I called XXXX and was told I had already called and there was nothing else they could do. I just needed to keep trying from time to time until the card worked! After a couple more attempts and being declined I emailed XXXX and got a response that thanked me for my feedback and apologized that the weather in XXXX XXXX had been too bad for them to send the money! They are barely even making an excuse as to why they are holding my money hostage! They have virtually stolen my money! They have made no offer of a new card or a check or re-booting the ATM or I don't know but I don't have any faith in the company ever doing the right thing without stern encouragement from someone in authority! Please help!
Frequently Asked Questions
What is Complaint #5061534 about?
Complaint #5061534 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 2022-01-01T12:00:00-05:00.
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.