Checking or savings account -- Managing an account -- Complaint #9805150
Complaint Overview
Complaint ID: 9805150
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Illinois
ZIP Code: 60638
Date Received: 2024-08-14T12:00:00-05:00
Date Sent to Company: 2024-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Saturday XX/XX/XXXX my wallet was placed at a secure place near front desk lockers of XXXX XXXX XXXX while I worked out, when I finished working out I noticed the wallet was missing. Someone had taken my wallet and this person used my XXXX XXXX XXXX XXXX ending in XXXX to make a few fraudulent transactions made at online websites : XXXX XXXX ( money transfer service ) XXXX XXXX XXXX ( money transfer service ) and two restaurants apparently online ordered and picked up. Will also ask these places for camera footage. with a total of {$4700.00} I immediately called these merchants after finding out, and after a few days of investigation they concluded that i was indeed a victim of identity theft and fraud, the person using my debit card used a fake ID, the identification is not even from the USA, it is a fake foreign id with a different date of birth. They apologized and strongly suggested me to ask my banking institution to initiate a fraud dispute, and once my bank initiated the charge back they would immediately confirm i was a victim of fraud and pay the money back. This was an error from their security team. therefore the money will not be paid by chime, it will be paid by the merchants. I filed a dispute as suggested by merchants, but after only 10 HOURS! chime decided to deny my claim and their excuse was no error found, no explanation given. I called chime and a kind fraud specialist was confused as to why the claim was denied so fast, so she re opened my claim. i then submitted the police report, the fraud affidavit and also, emails sent from the merchants confirming i was victim of fraud. After the claim was reopened, CHIME DENIED THE CLAIM, once more, no reason given no documents provided. I called again and a fraud specialist was extemely confused after carefully reviewing my case she said she didnt understand why CHIME never initiated a charge back, thats all they had to do and CHIME never did.
Frequently Asked Questions
What is Complaint #9805150 about?
Complaint #9805150 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-08-14T12:00:00-05:00.
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.