Consumer complaint received 2023-01-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022. I was on a website looking for a new home. The website was called XXXX. On the website it states that you need to provide a XXXX $ Fee for an application. As I proceeded to look on the website I found a home that I would like to look at. I messaged someone that can help me out with the process. As we spoke he also informed me about the application fee and that I also had to send an additional XXXX $ for the processing fee. I was okay with it. I used chime mobile banking as my payment method. Chime is affiliated with stride bank. So as we spoke I filled out an application and paid the fee. He then proceeded to ask me more information about the people I live with. Anyone over XXXX had to fill out and application of their own and also pay the fee. At first I was little unusual about it but I needed somewhere to move. So then my son had to fill out and application because hes over XXXX, and I sent another XXXX $ to the person. So as we moved on with the processing, the person then asks me to verify my XXXX account. So being that I didnt know what he meant I asked my son for help. When my son came to help me he couldnt find what the person was talking about. So I then asked if I can get a refund for my applications because something didnt seem right and the person really didnt want to, also tried to persuade me into staying but then agreed to send the refund. So after a while the person kept asking me to verify my XXXX account. And asked my son to come help me once again. So my son came to help me he told me to stop interfering with the person because it seems XXXX. And the only way someone can access your account from a Third party they XXXX be a hacker or scammer. So as time went on he kept constantly asking me to verify my XXXX account. Somehow the account was verified and he proceeded to ask me send a code from chime. I simply was asking if I was going to get my refund and instead saying yes or no, he kept asking me to send a code for chime. So because he was asking for a code from chime I was thinking that would get me my refund back being as thought I sent the fees through chime. So at first I was struggling trying to send me the code and I couldnt get it right so then I had to ask my son for help again. My son was able to help me and send the code. The code was sent and my son proceeded to check my chime account. When my son opened up the chime app and tried to log in he said there was an error. We tried signing in a few times and it didnt work. So then my son called chime to to fix the problem but as my son is listening to the prompts from the call he check the balance. The balance for both of my accounts stated XXXX XXXX So continuing in the call we got a hold of an agent and got the account back. We were brought to another agent for the fraud/scam. We spoke with the other agent about the situation and gave proof. A few days later they were not able to help me.

Company response to consumer: Closed with explanation