Chime scams

1. 1

   The fake support number

   A user locked out of their account searches for Chime support and calls a number from an ad or forum post. The "agent" walks them through resetting the password and asks for the emailed code. The account is taken over, often while the user is still on the call.

2. 2

   The cash flip

   A social media post promises to turn $200 into $2,000 through a "bank glitch". The victim sends money, sometimes receives a small return to build confidence, then sends more and hears nothing. In some versions the initial "return" comes from a stolen account, which drags the victim into a fraud investigation.

3. 3

   Fake deposit reversal

   A scammer sends money from a stolen account, then claims it was a mistake and asks for it back — often to a different destination. The original deposit is reversed when the theft is discovered, so the victim loses both amounts.

4. 4

   Impersonated Chime staff on social media

   Accounts using Chime branding reply to complaints on X, Instagram or Reddit and move the conversation to DM, where they ask for login details or a verification code.

• You found a "Chime customer service number" by searching — Chime does not publish one for inbound calls
• Anyone asks for your one-time code, password or the last four of your SSN over the phone or DM
• A stranger offers to multiply your money, flip cash, or share a bank glitch
• Someone sends you money by mistake and asks you to send it back to a different account
• A "Chime support" account replies to your public complaint and moves you to DM
• You are asked to download remote-access software to fix an account problem
• A job or sale requires you to accept a deposit and forward part of it on

• Get help only through the Chime app or chime.com. Treat any phone number found elsewhere as hostile.
• Never share a one-time code, password or SSN digits with anyone contacting you, in any channel.
• If someone sends you money by mistake, do not send it anywhere. Report it to Chime and let them reverse it.
• Turn off your card in the app the moment something looks wrong — it is instant and reversible.
• Report a takeover immediately in-app; Chime's dispute process starts from that report and timing affects the outcome.

Unauthorised electronic transfers from a Chime account are covered by Regulation E if you report them promptly — report in-app the same day and follow up in writing. What is not covered is a payment you authorised yourself, which is what a cash flip or a "send it back" request is, so those are usually unrecoverable. If your account was taken over, change the password, remove unrecognised devices, disable and re-issue the card, and check whether the email account behind it was also compromised.