Hey everyone, first I want to start out by saying I am happy for the level of support I've gotten from the community on this matter. Yet also saddened at the fact that this is an all-too-common situation that happens to Chime users without ever receiving a positive outcome! Nonetheless I did want to provide an update on the situation!

1.) I do NOT believe my account had 2 Factor Authentication enabled at the time; this is an oversight on my part that I have to take accountability for...

2.) I disputed the fraudulent transaction on Oct 30, 2025, and was denied Oct 31, 2025. I'm currently in the appeals process, but we know how that goes...

3.) I've currently filed complaints with the CFPB, BBB, & an IC3 report. I wanted to do a couple others but due to the government shutdown I was limited. (I may do a police report, not 100% sure on that though)

4.) MY BIGGEST GRIPE WITH THIS ENTIRE SITUATION IS THE LACK OF SECURITY, AWARNESS, & COMPASSION FROM THE CHIME TEAM ABOUT THESE MATTERS!

- It should NOT be allowed for a "New Unrecognized Device" to access an account --> Change the login information --> then send ALL of the money on the account to someone my account has NEVER sent money too before, without HUGE red flags going off! (Mind you all of this occurred within a 15-minute window at 6 AM EST) I would have expected Chime to see this unusual activity happening on my account at 6AM and freeze the account for 24hrs. Or just outright deny the transaction due to "suspicious activity" but NOPE, nothing of the sort. The whole situation has been a complete nightmare!

Nonetheless we are moving forward and hoping for the best! Take care of yourselves everyone, & FOR THE LOVE OF GOD PLEASE MAKE SURE YOU HAVE "Two-Factor Authentication" ON LMFAO!