{"took":97,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14504,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v2","_id":"11318307","_score":11.531493,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX Chime Bank closed my chime account without any notification. Chime kept my {$600.00} that is in my chime account. On XX/XX/year> when I went to login into my chime account I could not login to my chime account. I then contacted chime by phone and chime representative told me that my account was closed and that my money was not refundable to me. Chime representative told me to contact XXXX XXXX and chime representative did not give me a phone number for XXXX XXXX and could not give me any answers to where my funds were and why my account was closed for no reason. I then contacted chime bank again on XXXX XXXX and chime representative was very rude and gave me the same answers as when I spoke with them on XXXX XXXX.","date_sent_to_company":"2024-12-29T10:34:51.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"11318307","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-12-29T09:43:01.000Z","state":"LA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["On XXXX XXXX <em>Chime</em> Bank closed my <em>chime</em> account without any notification. <em>Chime</em> kept my {$600.00} that is in my <em>chime</em> account. On XX/XX/year> when I went to login into my <em>chime</em> account I could not login to my <em>chime</em> account. I then contacted <em>chime</em> by phone and <em>chime</em> representative told me that my account was closed and that my money was not refundable to me."]},"sort":[11.531493,"11318307"]},{"_index":"complaint-public-v2","_id":"13640455","_score":11.412154,"_source":{"product":"Checking or savings account","complaint_what_happened":"I do not use Chime since my complaint with CFPB was closed. Now another issue between me and Chime created resistance to close my Chime accounts that I opened with Chime and/or Chime could opened in my name without my knowledge. I stopped to use Chime after I filed a complaint against Chime 's unfair practices for deactivating my Chime Debit card that I couldn't withdraw money from ATM and not allowing me to manage service option to pay anyone and making my rent payment late. It is not understandable why Chime create difficulty to close all accounts in my name, unless Chime intends to use my name illegally. In addition, I did not get any bonus to open account with Chime, not from XXXX and not from Chime for getting my XXXX income direct to Chime. Chime continues send me emails claiming that I get emails from Chime because I have opened accounts. I hope this my complaint won't disappeared and I can successfully file it. The one before disapeared.","date_sent_to_company":"2025-05-21T19:56:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"95062","tags":null,"has_narrative":true,"complaint_id":"13640455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-05-21T19:25:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I do not use <em>Chime</em> since my complaint with CFPB was closed. Now another issue between me and <em>Chime</em> created resistance to close my <em>Chime</em> accounts that I opened with <em>Chime</em> and/or <em>Chime</em> could opened in my name without my knowledge. I stopped to use <em>Chime</em> after I filed a complaint against <em>Chime</em> 's unfair practices for deactivating my <em>Chime</em> Debit card that I couldn't withdraw money from ATM and not allowing me to manage service option to pay anyone and making my rent payment late."]},"sort":[11.412154,"13640455"]},{"_index":"complaint-public-v2","_id":"8886897","_score":11.293434,"_source":{"product":"Checking or savings account","complaint_what_happened":"I initially filed a complaint with the CFPB regarding Chime opening a fraudulent account with my information on XX/XX/XXXX. I first alerted Chime to the issue on XX/XX/XXXX. Chime sent all of my complaints to an AI responder that failed to actually read my complaint. On XX/XX/XXXX, Chime responded to my CFPB complaint by falsely claiming they provided with me information they hadnt. It is embarrassing how badly Chime handles personally identifiable information. Not only does Chime attempt to auto-reply its way out of issues, it responded with false information to the CFPB. My original issue with the fraudulent Chime account stands, I do not consider my previous CFPB complaint resolved, and I am claiming that Chime intentionally lied in their stated resolution to my CFPB case. \n\nChime in their response to the CFPB stated On XX/XX/XXXX, we provided you with a copy of the information used to open the Chime account. Along with the copy of the account statement previously provided to you on XX/XX/XXXX, we've provided you with all available information regarding the Chime account opened using your information As further reassurance, Chime will not report any information to external credit reporting agencies in relation to the unauthorized account, and Chime will not hold you responsible for any activity on the account. They never sent me this additional information. All I ever received from Chime was an unhelpful estatement in mid XXXX. My many emails indicating the estatement did not contain any useful information and was not what I was asking for was ignored as Chime sent me this same statement probably 5 times in XXXX. I have received XXXX additional information from Chime since. I replied to Chimes CFPB response indicating that I never received any additional information and would file a follow up CFPB complaint. Here it is : )","date_sent_to_company":"2024-04-29T06:49:44.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92122","tags":null,"has_narrative":true,"complaint_id":"8886897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-04-29T06:38:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I initially filed a complaint with the CFPB regarding <em>Chime</em> opening a fraudulent account with my information on XX/XX/XXXX. I first alerted <em>Chime</em> to the issue on XX/XX/XXXX. <em>Chime</em> sent all of my complaints to an AI responder that failed to actually read my complaint. On XX/XX/XXXX, <em>Chime</em> responded to my CFPB complaint by falsely claiming they provided with me information they hadnt. It is embarrassing how badly <em>Chime</em> handles personally identifiable information."]},"sort":[11.293434,"8886897"]},{"_index":"complaint-public-v2","_id":"7022743","_score":11.292601,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX {$40000.00} into my Chime checking account from XXXX XXXX XX/XX/23 {$14000.00} posted to Chime checking account Updated balance {$44000.00} XX/XX/23 Chime put hold on my account ( Temporary security restriction ) Chime requested : -gov. ID -proof of address ( I sent in documentation ) XX/XX/23 Chime regenerated document request link after I called them because they said they didn't receive what I recently sent them. \n\nChime sent regenerated link - sent documents again XX/XX/23 I emailed Chime a complaint XX/XX/23 Chime sent another link -DOCUMENTS SENT XX/XX/23 CHIME LINK -DOCS SENT XX/XX/23 I sent Chime complaint email - Chime sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 Chime requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX Chime automated responses XX/XX/23 Chime requested documents again XX/XX/23 emailed Chime complaint letter XXXX XXXX sent documents to Chime again XX/XX/23 emailed Chime compmaint and documents XX/XX/23 sent XXXX Bank documents and complaint Than XXXX responds with requesting documents proof of {$54000.00} XXXX wants proof of the funds XXXX onto XXXX for game play and winnings into Chime but what they don't understand is that there are several different payment methods to upload money onto XXXX. I used XXXX and another bank funding source to upload money.","date_sent_to_company":"2023-05-24T20:42:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"7022743","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-05-24T18:50:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Chime</em> sent regenerated link - sent documents again XX/XX/23 I emailed <em>Chime</em> a complaint XX/XX/23 <em>Chime</em> sent another link -DOCUMENTS SENT XX/XX/23 <em>CHIME</em> LINK -DOCS SENT XX/XX/23 I sent <em>Chime</em> complaint email - <em>Chime</em> sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 <em>Chime</em> requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX <em>Chime</em> automated responses XX/"]},"sort":[11.292601,"7022743"]},{"_index":"complaint-public-v2","_id":"4930334","_score":11.287549,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. \n\nI request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.","date_sent_to_company":"2021-11-19T20:38:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"15108","tags":null,"has_narrative":true,"complaint_id":"4930334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2021-11-19T20:30:56.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I have a <em>Chime</em> account and have use <em>Chime</em> 's referral program to make referrals to my friends for opening their new <em>Chime</em> accounts. I know for sure that so far 6 of my friends have opened their <em>Chime</em> accounts and also have made at least {$200.00} direct deposit ( each person ) into their <em>Chime</em> accounts. Based on <em>Chime</em> 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now."]},"sort":[11.287549,"4930334"]},{"_index":"complaint-public-v2","_id":"9314820","_score":11.285817,"_source":{"product":"Credit card","complaint_what_happened":"I opened a billing/charge dispute of unauthorized charges on my chime credit card XX/XX/year>. CLAIM XXXX there are charges TOTALING {$300.00} that are unauthorized on the chime credit card. Chime is holding back my refund OF PROVISIONAL CREDIT on this credit card WITHIN 1 TO 2 BUSINESS DAYS .Chime is giving me the stall tactic runaround of regulation E. there trying to fool me by using the tactic of the \" it may take 90 days to investigate tactic '' This is a chime credit card that has to provide PROVISIONAL credit to my account yet Chime is up to its old tricks of holding the consumers money hostage instead of abiding and following the law. As a consumer I am not liable for any charges that are UNAUTHORIZED. I MADE IT CLEAR TO CHIME THAT I HAVE FEDERAL PROTECTION RIGHTS AS A CONSUMER, YET CHIME IS IGNORING FEDERAL LAW. THIS STUNT THAT CHIME CREDIT CARD IS DOING TO ME IS HARMING ME BECAUSE CHIME FAILS TO IGNORE FAIR CREDIT BILLING ACT, 12 CFR 1005. CHIME SEEM TO BURDEN ME WITH THEIR COMPANY POLICY BY LYING TO ME.","date_sent_to_company":"2024-06-22T02:50:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90032","tags":null,"has_narrative":true,"complaint_id":"9314820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-06-22T02:24:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I MADE IT CLEAR TO <em>CHIME</em> THAT I HAVE FEDERAL PROTECTION RIGHTS AS A CONSUMER, YET <em>CHIME</em> IS IGNORING FEDERAL LAW. THIS STUNT THAT <em>CHIME</em> CREDIT CARD IS DOING TO ME IS HARMING ME BECAUSE <em>CHIME</em> FAILS TO IGNORE FAIR CREDIT BILLING ACT, 12 CFR 1005. <em>CHIME</em> SEEM TO BURDEN ME WITH THEIR COMPANY POLICY BY LYING TO ME."]},"sort":[11.285817,"9314820"]},{"_index":"complaint-public-v2","_id":"7593977","_score":11.253578,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I did a transfer to XXXX XXXX XXXX from chime. My transfer was declined which I didnt realize I didnt transfer money from my chimes Savings account to my chimes checking account in order for the money to transfer to my XXXX  XXXX account. I did another transfer to XXXX  XXXX correctly. {$1000.00} was transferred to my XXXX  XXXX account and deposited. Chime reversed the transfer from XXXX  XXXX to come back to chime. XXXX sent me a email and I also have my statement. Yet chime is blaming the merchant and saying they never sent the money back to chime which is a lie. Chime has giving me too many stories about my money. Chime owes me {$1000.00} and dont want to give me my money.","date_sent_to_company":"2023-09-24T08:19:28.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"700XX","tags":null,"has_narrative":true,"complaint_id":"7593977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-09-24T07:55:24.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Yet <em>chime</em> is blaming the merchant and saying they never sent the money back to <em>chime</em> which is a lie. <em>Chime</em> has giving me too many stories about my money. <em>Chime</em> owes me {$1000.00} and dont want to give me my money."]},"sort":[11.253578,"7593977"]},{"_index":"complaint-public-v2","_id":"12178256","_score":11.253578,"_source":{"product":"Prepaid card","complaint_what_happened":"I was scammed {$290.00} by a company XXXX. the purchase was on my Chime card for {$290.00}, XXXX never sent me my items purchased they basically stole my money, I reached out to my card company which is Chime to let them know what happened I complied with every evidence requested from Chime and Chime still has not credited my card back yet they keep telling me to be patient with them but they still have not credit my card. I requested from Chime proof of the merchant XXXX charge back and Chime has refused to give it to me. I requested Chime corporate office number and they refused to give me it as well, I have been card holder with Chime for about 3 years and I am very disappointed in Chime treat their customers.","date_sent_to_company":"2025-02-22T23:33:50.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12178256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-22T22:39:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I requested from <em>Chime</em> proof of the merchant XXXX charge back and <em>Chime</em> has refused to give it to me. I requested <em>Chime</em> corporate office number and they refused to give me it as well, I have been card holder with <em>Chime</em> for about 3 years and I am very disappointed in <em>Chime</em> treat their customers."]},"sort":[11.253578,"12178256"]},{"_index":"complaint-public-v2","_id":"7510004","_score":11.252388,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of CHIMES affiliates. Chime blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send Chime a \" yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and Chime is trying to cash it for the thieves. I can not buy an Anti-virus subscription for approximately 30 dollars without CHIME blocking the transaction and requiring I send them a \" yes '' in a message. Also, Chime would require a phone call in which you have to give them all of your personal information on transactions they have blocked. When you reply to CHIME to stop blocking your transactions, CHIME 's reply is you must send them a \" yes '' Inadvertently, your \" yes '' is being used to cash a check. Also, CHIME has two email addresses for my account. One of the email addresses was never given to CHIME and yet it is the same email address that has been compromised on the dark web. It is time for the US government to stop this company of outlaws from operating in the US. Finally, CHIME is allowing other criminals to cash checks through my checking account and the funds never show up on a statement. CHIME 's is money laundering stolen checks. This bank needs a forensic audit and a government investigation.","date_sent_to_company":"2023-09-06T20:51:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"7510004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-09-06T20:38:01.000Z","state":"AL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Chime</em> Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of <em>CHIMES</em> affiliates. <em>Chime</em> blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send <em>Chime</em> a \" yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and <em>Chime</em> is trying to cash it for the thieves."]},"sort":[11.252388,"7510004"]},{"_index":"complaint-public-v2","_id":"5962491","_score":11.249441,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime Bank Dispute Claim XXXX Fraudulent charge on debit card ending XXXX ( now closed ) XXXX XXXX received message on mobile app of fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 for {$48.00} asking if it was me, replied no ; I turned off debit card ; I called Chime and reported the fraudulent charge XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 and they stopped that charge ( second charge ) and a third charge. Chime said they could not stop the first charge XXXX XXXX XXXX pending for {$580.00}. Told me I had to wait for the charge to settle before I could file a dispute. There was no message from my mobile app for the first charge to XXXX. Chime email new debit card processing. \nXXXX XXXX XXXX XXXX pending charge for {$580.00} settled and posted. I called Chime and filed dispute claim. Chime email that the dispute was filed. \nXXXX XXXX Chime email provisional credit given XXXX XXXX Chime email saying they were making the provisional credit permanent. Chime email you received a merchant credit and a provisional credit so we reversed the provisional credit. I emailed dispute team I did not get a merchant credit. Chime email we can send you documents. \nXXXX XXXX Email to Chime Please call me XXXX XXXX Email to Chime Why am I getting no response XXXX XXXX Chime email You need to send info to rebut decision XXXX XXXX Email to Chime What info do you think I have that you don't have XXXX XXXX Called Chime and spoke to investigations. She agreed I did not get a credit from the merchant and said she was sending a note to the XXXX XXXX XXXX XXXX emailed dispute team about XXXX XXXX message from investigations XXXX XX/XX/2022 Called Chime and spoke to XXXX XXXX he said dispute denied. I said that was not true since the dispute says I got merchant credit that I never got. At my request XXXX transferred me to a manager. Talked to XXXX - Manager Dispute Team. XXXX reviews everything with me and finally agrees there was no merchant credit to my account and talks to the billing department. XXXX and billing department agrees no merchant credit went to my account. XXXX said he was sending and elevated dispute to the investigation team to process in 3 business days. \n\nXXXX XX/XX/2022 Called Chime and asked to talk with XXXX the Dispute Team Manager. Was transferred then talked to XXXX ( lady ) who says the Merchant ( XXXX ) did not credit to Chime for the fraudulent charge even though Chime had said they did earlier. And I asked her specifically that assuming XXXX did not credit Chime would Chime not credit my account for the fraudulent charge. XXXX said that Chime will not credit my account for the fraudulent charge. \nXXXX XXXX emailed merchant to verify they credited Chime. \nXXXX XXXX emailed Chime forwarding the message from the merchant that they accepted the chargeback from Chime XXXX XXXX emailed Chime Federal Trade Commission Electronic Funds Transfer Act ( EFTA ) states that if debit card is not lost or stolen I can't be held responsible for the fraudulent charge XXXX XXXX Absolutely no response from Chime. Called XXXX and was transferred back to Chime. There is no way to contact Chime Corporate Office. \nXXXX XXXX I Filed Complaint to CFPB","date_sent_to_company":"2022-09-08T21:29:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"877XX","tags":null,"has_narrative":true,"complaint_id":"5962491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-09-08T20:21:56.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX XXXX Email to <em>Chime</em> Please call me XXXX XXXX Email to <em>Chime</em> Why am I getting no response XXXX XXXX <em>Chime</em> email You need to send info to rebut decision XXXX XXXX Email to <em>Chime</em> What info do you think I have that you don't have XXXX XXXX Called <em>Chime</em> and spoke to investigations."]},"sort":[11.249441,"5962491"]},{"_index":"complaint-public-v2","_id":"8196896","_score":11.247891,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had a problem paying my car payment on the Chime app. and I wasnt able to do so. I called a number that said it was Chime. The person answered said welcome to Chime and gave me instructions to send money to the manager and he would update my account. However he used the words my manager will update you account. I didnt realize what was happening, what I was actually doing. I sent the update to a chime Id. I called back and they kept hanging up on me when I requested my money. I then went back to the internet. I saw that the number I called was from a sponsor and it said chime but it wasnt Chime. I called Chime they said I couldnt file a dispute because I authorized the transaction. Later I called Chime again. They allowed me to put the dispute through and denied my dispute. Chime would not allow me to report this transaction to the Chime fraud department. This was fraud. Someone posed as a chime employee tricked me out of my money. I looked for the fraudulent number on the Internet again and it was no where to be found. The number was gone as was the sponsers name. Also the only number thats showing on the Internet is the correct number for Chime everything else has disappeared! I would like help with this matter. \nXXXX XXXX","date_sent_to_company":"2024-01-21T20:09:52.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"8196896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-01-21T19:43:03.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I saw that the number I called was from a sponsor and it said <em>chime</em> but it wasnt <em>Chime</em>. I called <em>Chime</em> they said I couldnt file a dispute because I authorized the transaction. Later I called <em>Chime</em> again. They allowed me to put the dispute through and denied my dispute. <em>Chime</em> would not allow me to report this transaction to the <em>Chime</em> fraud department. This was fraud. Someone posed as a <em>chime</em> employee tricked me out of my money."]},"sort":[11.247891,"8196896"]},{"_index":"complaint-public-v2","_id":"5589151","_score":11.218361,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? \nThis form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.","date_sent_to_company":"2022-05-22T20:37:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98133","tags":null,"has_narrative":true,"complaint_id":"5589151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-05-22T20:25:40.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I reluctantly signed up with <em>Chime</em> to allow several of my tenants to be able to pay rent through <em>Chime</em>. When setting up the account ( solely for tenant rent transfers ) <em>Chime</em> then sent me a debit card. After allowing only one tenant to transfer via <em>Chime</em> to test out the <em>Chime</em> software I found I was unable to transfer the funds from <em>Chime</em> to my bank account because <em>Chime</em> said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted."]},"sort":[11.218361,"5589151"]},{"_index":"complaint-public-v2","_id":"5177847","_score":11.213619,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. \n\nI received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. \n\nThere are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. \nChime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. \nChime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. \nChime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. \nChime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. \nChime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. \nChime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. \nChime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. \n.","date_sent_to_company":"2022-02-02T20:28:46.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"19803","tags":"Servicemember","has_narrative":true,"complaint_id":"5177847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-02-02T20:02:32.000Z","state":"DE","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["My request was for <em>Chime</em> to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. <em>Chime</em> is yet to acknowledge my request or provide guidance how this matter can be resolved. \n\nThere are a number of issues in my experience with <em>Chime</em>. Specifically, <em>Chime</em> filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to <em>Chime</em>."]},"sort":[11.213619,"5177847"]},{"_index":"complaint-public-v2","_id":"18149666","_score":11.209419,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/2025, Chime Financial negligently allowed unauthorized access to my bank account, resulting in the theft of {$720.00}. Despite evidence including call logs, screenshots, and a police report, Chime wrongfully denied my dispute. This incident caused financial hardship, emotional distress, and loss of trust. I am seeking repayment of stolen funds and additional damages for mental anguish and inconvenience caused by Chimes negligence. Later that same morning, I received a call from Chimes official business line ( XXXX ). The caller claimed to be from Chimes Fraud Department and stated my account had been compromised and needed to be closed. I was instructed to transfer my funds to a new Chime account number ending in XXXX. Believing this was legitimate, I followed their instructions. The funds totaling {$720.00} were then stolen. \n\nThat same day, Chime denied my dispute, despite overwhelming evidence of internal negligence. Chimes own representatives later confirmed : Only Chime employees can close a savings account ( per XXXX in customer service ). \nMy savings account was closed internally by a Chime representative named XXXX XXXX. \n\nI have police reports, call logs, screenshots, and email evidence showing the fraudulent closure, and proof that the calls and emails originated from Chimes verified business number and email address. \nChime admits that someone impersonated me and they allowed it, chime admits that my account was closed but has not reopened it. Chime admits wrong doing but has done NOTHING to correct their wrongs. I requested the investigation documents chime used in the dispute and all they did was send back the documents I sent to them not the ones THEY used. They didnt listen to the calls, they didnt look at the caller ID to see where the call came from who impersonated me, they did not look into the other persons account to where the funds where to, that person is a chime member who just joined in XXXX how many deposits have they received? I never sent them anymore in fact I NEVER sent money directly from chime but NONE of that was taken into consideration or resolved","date_sent_to_company":"2025-12-18T18:47:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11720","tags":null,"has_narrative":true,"complaint_id":"18149666","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-18T18:24:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Chime</em> admits that someone impersonated me and they allowed it, <em>chime</em> admits that my account was closed but has not reopened it. <em>Chime</em> admits wrong doing but has done NOTHING to correct their wrongs. I requested the investigation documents <em>chime</em> used in the dispute and all they did was send back the documents I sent to them not the ones THEY used."]},"sort":[11.209419,"18149666"]},{"_index":"complaint-public-v2","_id":"5137134","_score":11.2034,"_source":{"product":"Checking or savings account","complaint_what_happened":"A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.","date_sent_to_company":"2022-01-21T22:52:48.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"208XX","tags":null,"has_narrative":true,"complaint_id":"5137134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-01-21T22:24:17.000Z","state":"MD","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["A fraudulent <em>Chime</em> account was opened in my name. On XX/XX/2022, I received an email from XXXX, <em>Chime</em> CEO welcoming me to <em>Chime</em>. On this same date, I received another email alerting me to a new login to my <em>Chime</em> account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my <em>Chime</em> account had been updated to a different email."]},"sort":[11.2034,"5137134"]},{"_index":"complaint-public-v2","_id":"8241623","_score":11.201694,"_source":{"product":"Credit card","complaint_what_happened":"Chime recently mailed me an unsolicited Debit card. I called Chime several times to inquire as to why I received an unsolicited card and to request close out account info. Chime made it very difficult to talk with a live representative. Im not sure if the Chime debit card was issued via some type of fraudulent activity requiring a conversation with a Chime rep for an explanation. The phone number provided by Chime is : XXXX.","date_sent_to_company":"2024-01-29T16:35:53.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"752XX","tags":"Older American","has_narrative":true,"complaint_id":"8241623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-01-29T16:14:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["<em>Chime</em> recently mailed me an unsolicited Debit card. I called <em>Chime</em> several times to inquire as to why I received an unsolicited card and to request close out account info. <em>Chime</em> made it very difficult to talk with a live representative. Im not sure if the <em>Chime</em> debit card was issued via some type of fraudulent activity requiring a conversation with a <em>Chime</em> rep for an explanation. The phone number provided by <em>Chime</em> is : XXXX."]},"sort":[11.201694,"8241623"]},{"_index":"complaint-public-v2","_id":"8545863","_score":11.172853,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I made a cash deposit into my Chime checking account. It was successful. I verified the deposit in the Chime application the same day. I then attempted to transfer {$200.00} from my Chime checking account into my Chime Savings account on the same day XX/XX/XXXX. This was an intra-institutional transfer that usually is instantaneous. The money was shown as leaving from my Chime checking account but not reflected in my Chime savings account balance. I attempted to call Chime customer service around XXXX XX/XX/XXXX and was told by a Chime customer service agent that my issue would be resolved within XXXX hours from the end of the call. XXXX hours later I made several more attempts to Chime customer service because the issue has not been resolved. I was still missing {$200.00} and had been denied access to my money for almost XXXX hours. As of writing this no remedy or relief has materialized from Chime despite admission of fault by Chime representatives.","date_sent_to_company":"2024-03-14T15:33:55.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"10001","tags":"Servicemember","has_narrative":true,"complaint_id":"8545863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-03-14T15:19:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I made a cash deposit into my <em>Chime</em> checking account. It was successful. I verified the deposit in the <em>Chime</em> application the same day. I then attempted to transfer {$200.00} from my <em>Chime</em> checking account into my <em>Chime</em> Savings account on the same day XX/XX/XXXX. This was an intra-institutional transfer that usually is instantaneous. The money was shown as leaving from my <em>Chime</em> checking account but not reflected in my <em>Chime</em> savings account balance."]},"sort":[11.172853,"8545863"]},{"_index":"complaint-public-v2","_id":"14753335","_score":11.171052,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested repeatedly to Chime Bank/ XXXXXXXX XXXX to report accurately to XXXX , I also requested XXXX  XXXX investigate and report my Chime Credit account accurately. Chime Bank is reporting to XXXX  that my Chime Credit Card Account is closed BUT AT THE SAME TIME REPORTING AN XXXX $ PAYMENT IN XXXXXXXX XXXX XXXX. I have disputed this Chime Account 2 times and provided documents showing that my Chime XXXX XXXX Account is open and I provided my last XXXX payments and my most recent Chime XXXX Account Statement all showing / proving THIS ACCOUNT IS OPEN AND BEING USED AND PAID ON TIME. This is hurting my credit score because Chime XXXX Account is my longest opened account on my XXXX report. I attempted to resolve this through Chime Bank/ XXXX XXXX  multiple times and with XXXX XXXX BUT CHIME BANK IS REPORTING TO XXXX XXXX XXXX ACCURATELY. \nPLEASE HAVE CHIME BANK REPORT MY CHIME CREDIT ACCOUNT AS OPEN AS IT MOST DEFINITELY IS AND ALL MY ON TIME PAYMENTS PURSUANT TO THE FAIR CREDIT REPORTING ACT","date_sent_to_company":"2025-08-01T16:31:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21221","tags":null,"has_narrative":true,"complaint_id":"14753335","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-19T09:39:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I requested repeatedly to <em>Chime</em> Bank/ XXXXXXXX XXXX to report accurately to XXXX , I also requested XXXX  XXXX investigate and report my <em>Chime</em> Credit account accurately. <em>Chime</em> Bank is reporting to XXXX  that my <em>Chime</em> Credit Card Account is closed BUT AT THE SAME TIME REPORTING AN XXXX $ PAYMENT IN XXXXXXXX XXXX XXXX."]},"sort":[11.171052,"14753335"]},{"_index":"complaint-public-v2","_id":"15632569","_score":11.169406,"_source":{"product":"Checking or savings account","complaint_what_happened":"I do claim that Chime Financial Banking Service Inc. is selling individual account holder 's information to other technologies as their selves. On XX/XX/year> XXXX, which is another technology, such as Chime, fraudulently withdrew {$49.00} from my Chime card ending in XXXX. This is impossible for XXXX to do, being that I have never listed this card ending in XXXX with XXXX. I did a one-time transaction with XXXX, XXXX 1 year ago using a Chime Card ending in XXXX. I have never set up any ACH with XXXX to debit the Chime account. XXXX had to have been given authorization from card ending in XXXX which has been listed with Chime as lost and stolen. No one uses my Chime card but me, XXXX XXXX. For XXXX to receive money from Chime, has to be fraudulently performed. I have sent numerous emails to XXXX XXXX To close every account I have ever had with them. It comes back : We did not read your email. XXXX sending emails about debiting your account with no way of contacting them to file a fraud. Chime is a financial product of XXXX XXXX  and XXXX XXXX  fails to regulate Chime 's actions. The card is issued by XXXX XXXX, but when you contact XXXX XXXX  they send you to Chime and states they have no dealings with Chime.","date_sent_to_company":"2025-10-08T18:06:20.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"39402","tags":"Older American","has_narrative":true,"complaint_id":"15632569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-01T00:12:14.000Z","state":"MS","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Chime</em> is a financial product of XXXX XXXX  and XXXX XXXX  fails to regulate <em>Chime</em> 's actions. The card is issued by XXXX XXXX, but when you contact XXXX XXXX  they send you to <em>Chime</em> and states they have no dealings with <em>Chime</em>."]},"sort":[11.169406,"15632569"]},{"_index":"complaint-public-v2","_id":"15266086","_score":11.162484,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received Chime XXXX cards in the mail containing my full name and home address. I did not open or authorize any account with Chime. The next day, I contacted Chime customer service to report the fraudulent account. Chime refused to provide details on when or how the account was created. While I was on the phone with Chimes customer support, I received a text message from Chime showing the name XXXX associated with my phone number.","date_sent_to_company":"2025-08-13T14:14:02.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"84116","tags":null,"has_narrative":true,"complaint_id":"15266086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-08-13T13:59:13.000Z","state":"UT","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received <em>Chime</em> XXXX cards in the mail containing my full name and home address. I did not open or authorize any account with <em>Chime</em>. The next day, I contacted <em>Chime</em> customer service to report the fraudulent account. <em>Chime</em> refused to provide details on when or how the account was created. While I was on the phone with <em>Chimes</em> customer support, I received a text message from <em>Chime</em> showing the name XXXX associated with my phone number."]},"sort":[11.162484,"15266086"]},{"_index":"complaint-public-v2","_id":"14184460","_score":11.158117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Social Security number / personal information was used to open an account with Chime Financial XXXX XXXX XXXX  XX/XX/XXXX. After a call to Chime placed XX/XX/XXXX that lasted more than an hour, I was assured by the Chime fraud department representative that this inquiry would be be removed at all three credit bureaus. During the call, I got an email from Chime stating : \" After a thorough investigation, Chime couldnt confirm that ID theft happened with this account. '' This is clearly a case of identity theft / fraud. Chime also stated : \" However, your account doesnt follow the terms of the Chime Deposit Account Agreement, so weve closed it. Please review the Amendment and Cancellation section for more details. '' This is after I told them I did not open a Chime account. If the account didn't follow the terms of the Chime Deposit Account Agreement, why did they open the account?\n\nSubsequently, I contacted TransUnion XX/XX/XXXX to dispute the inquiry. The TransUnion representative said the inquiry was not initially made with TransUnion, but that TransUnion was getting their information from Chime. \n\nChime and TransUnion are both at fault. My profiles/ accounts at all three credit bureaus are either locked or frozen. Chime did not contact me prior to opening the account. I do not have any financial dealing at all with Chime XXXX XXXX XXXX- nor will I ever. TransUnion did not contact me to verify information they got from Chime. \n\nChime was ordered by CFPB to pay XXXX XXXX into the CFPB 's victim relief fund in XXXX. Additonally, and about the same time, Chime was ordered to pay XXXX XXXX in compensation to consumers who were harmed. These XXXX  need to be shut down.","date_sent_to_company":"2025-06-19T18:41:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"222XX","tags":"Older American","has_narrative":true,"complaint_id":"14184460","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-06-19T17:40:31.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["During the call, I got an email from <em>Chime</em> stating : \" After a thorough investigation, <em>Chime</em> couldnt confirm that ID theft happened with this account. '' This is clearly a case of identity theft / fraud. <em>Chime</em> also stated : \" However, your account doesnt follow the terms of the <em>Chime</em> Deposit Account Agreement, so weve closed it. Please review the Amendment and Cancellation section for more details. '' This is after I told them I did not open a <em>Chime</em> account."]},"sort":[11.158117,"14184460"]},{"_index":"complaint-public-v2","_id":"5322904","_score":11.152167,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX  of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me","date_sent_to_company":"2022-03-15T07:46:48.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"38109","tags":null,"has_narrative":true,"complaint_id":"5322904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-03-15T03:17:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["XXXX my account was suspended without any noticed from <em>chime</em> back."]},"sort":[11.152167,"5322904"]},{"_index":"complaint-public-v2","_id":"16228574","_score":11.151139,"_source":{"product":"Checking or savings account","complaint_what_happened":"To protect my account from unauthorized withdrawals, Chime Bank and XXXX XXXX, XXXX. agreed to send me a code to my phone either by text or phone call and once received I would send the code back to Chime Bank. After receiving the code back, Chime Bank would go to the next step and send a code to my email. Once I received the code, I would send the code back to Chime Bank and then and only then would Chime Bank and XXXXXXXX XXXX  XXXX. authorize the withdrawal. \nOn XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, I received my social security direct deposit of {$4100.00} into my Chime Bank account. \nOn XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, I changed my password and Chime Bank sent me a text notice to my phone. \nOn XX/XX/year> at XXXXXXXX XXXX XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$200.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nOn XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, an unknown person by the name of $ XXXX XXXX withdrew {$2500.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nOn XX/XX/year> at XXXX XXXX XXXXXXXX, an unknown person by the name of $ XXXX XXXX withdrew {$500.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nOn XX/XX/year> at XXXX am XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$200.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nOn XX/XX/year> at XXXXXXXX XXXX XXXX an unknown person by the name of $ XXXX XXXX withdrew {$50.00} and Chime Bank failed to send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nOn XX/XX/year> at XXXX am XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$5.00} and Chime Bank XXXXailed to send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. \nA total of {$3400.00} was withdrawn form my Chime Account without my authorization. I filed a dispute with Chime Bank and they denied the dispute. I asked then how did XXXX XXXX gain access to my account. They refused to answer this question in spite of the fact that Chime Bank knew that I did not give XXXX XXXX or any other person my password.","date_sent_to_company":"2025-09-28T18:53:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"39402","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16228574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-28T17:58:50.000Z","state":"MS","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["To protect my account from unauthorized withdrawals, <em>Chime</em> Bank and XXXX XXXX, XXXX. agreed to send me a code to my phone either by text or phone call and once received I would send the code back to <em>Chime</em> Bank. After receiving the code back, <em>Chime</em> Bank would go to the next step and send a code to my email. Once I received the code, I would send the code back to <em>Chime</em> Bank and then and only then would <em>Chime</em> Bank and XXXXXXXX XXXX  XXXX. authorize the withdrawal."]},"sort":[11.151139,"16228574"]},{"_index":"complaint-public-v2","_id":"12160159","_score":11.148666,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime sent me an email notifying me that my Chime accont is scheduled to be closed. I have had chime for over 5years and account has been in good standing. I also have a Chime Credit builder Credit card that is 4-5yrs old. I have contacted Chime and they gave me a pre fabricated message about violating the Terms of service with XXXX. I'm then told to contact XXXX but when I do they send me back to Chime. I never requested for my account to be turned off. My Federal and State Tax returns are set to be sent to Chime any day now and this closure might harm that. I even had a large Lottery win from my State that was desposited just 2 months ago and Chime accepted the deposit without issue from my State. I submitted a XXXX complaint but Chime has failed to respond and it has been nearly XXXX.","date_sent_to_company":"2025-02-21T10:12:57.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"67226","tags":null,"has_narrative":true,"complaint_id":"12160159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-21T10:02:15.000Z","state":"KS","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Chime</em> sent me an email notifying me that my <em>Chime</em> accont is scheduled to be closed. I have had <em>chime</em> for over 5years and account has been in good standing. I also have a <em>Chime</em> Credit builder Credit card that is 4-5yrs old. I have contacted <em>Chime</em> and they gave me a pre fabricated message about violating the Terms of service with XXXX. I'm then told to contact XXXX but when I do they send me back to <em>Chime</em>. I never requested for my account to be turned off."]},"sort":[11.148666,"12160159"]},{"_index":"complaint-public-v2","_id":"7139729","_score":11.14236,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX : Chime e-mails me that there's a new login to my account. I never had a Chime account and this is news to me! \nXX/XX/XXXX : Chime CEO, XXXX, e-mails to congratulate me on my new account. \nXX/XX/XXXX : Chime e-mails me that direct deposit has been set up for my account. \nXX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. \nXX/XX/XXXX : Chime e-mails that I'll get a bright green envelope with a new Visa card soon. \nXX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. \nChime e-mails again on XXXX, XXXX, XX/XX/XXXX. \nXX/XX/XXXX : the Chime Visa card arrives XX/XX/XXXX : Chime e-mails me that there's a new login to my account from XXXX, PA, USA, on an \" XXXX XXXX. ''","date_sent_to_company":"2023-06-20T15:24:58.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"024XX","tags":null,"has_narrative":true,"complaint_id":"7139729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-06-20T15:17:11.000Z","state":"MA","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["XX/XX/XXXX : <em>Chime</em> e-mails me that there's a new login to my account. I never had a <em>Chime</em> account and this is news to me! \nXX/XX/XXXX : <em>Chime</em> CEO, XXXX, e-mails to congratulate me on my new account. \nXX/XX/XXXX : <em>Chime</em> e-mails me that direct deposit has been set up for my account. \nXX/XX/XXXX : I e-mail <em>Chime</em> to complain that this is identity theft and fraud. I receive automated replies. \nXX/XX/XXXX : <em>Chime</em> e-mails that I'll get a bright green envelope with a new Visa card soon."]},"sort":[11.14236,"7139729"]}]},"_meta":{"license":"CC0","last_updated":"2026-09-13T12:00:00-05:00","last_indexed":"2026-09-13T12:00:00-05:00","total_record_count":17729722,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[11.1235485,"10453515"],"3":[11.028756,"7075067"],"4":[10.984998,"18356310"],"5":[10.94318,"11504251"],"6":[10.889426,"8798735"],"7":[10.860881,"13070937"],"8":[10.832315,"8732314"]}}}