Consumer complaint received 2023-03-20
Company: Chime Financial Inc
State: TX
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:
Date of incident- XXXX XXXX Central Time Subject- The Most Common Chime Bank Scams- Checking Account I have had my Chime Checking Account since XXXX -- I was scammed by someone claiming to be from Chime Support. This was regarding issues with direct deposit. The amount was for XXXX I filed a dispute with Chime Member Service explaining in detail every thing that took place. Right after the scam happened and reported to Chime Services I immediately filed a police report, and my incident number was put in my comments of the dispute. 
The Chime Member Services Team advised I would be eligible for temporary funds to my account until the issue has been researched and a determination provided- Well their so called investigations team denied my dispute the same day advising in a letter sent via email that An Error did not occur. My money would not be returned. This upset me and so I requested a 2nd claim- rebuttal for another review. I still have not received any funds in my account and was advised Chime up to XX/XX/XXXX to determine if temporary funds would be sent. Its been very challenging, and very frustrating along, because I have no money to pay any of my bills since my money is being held XXXX. Its like they refuse to help me with money at all. They were provide a screen shot of the website where this person claiming to be from Chime Support actually used their company logo and made along with a phone number. I rally thought the person who called him self XXXX was trying to help me. He certainly knew everything happening with customers direct deposits. Him claiming to be from Chime Support he accessed my account through a website called any desk- He got in my actual account, and new just how to maneuver through it. He said he was going to run a test to see if it was the Chime App not working or something with my account. He had me go through a series of test so to speak.. He even provide me with an email address that I typed so he said he could test it. There was a place he had me enter dollar amounts i didn't think about because I thought he was really running a test.. After the dollar amount was entered after typing in the email address of XXXX he said the issue was fixed and I should see my direct deposit in about 30 minutes.. The deposit eventually showed up but XXXX was taken.. I immediately called the 888 number back and it was disconnected no longer a ring tone. I did call the other number to get with Chime dispute team to ask about my deposit i explained what happened was advised Chime does not get into customer accounts to fix them. Immediately I explained what happened, and because they said I did what was called a transfer of money from to a feature called pay anyone and I authorized it through this email they would not return my money. I did not agree with this decision as I explained the person used their logo illegally to claim he was helping me and I was scammedXXXX They committed fraud- My dispute is valid in that i was advised by someone at Chime that this was there logout they do not post on websites to assist consumers. Yet I have heard nothing back from their so called investigations that a full investigation is being conducted on their end to find, and bring charges to the person that did this. This is one of the most Chime Scams, and they refuse to help their customers. Im being punished because I trusted the person trying to help me with their company logo. There should not even be another rebuttal of my dispute. This should have already been communicated back to me as a valid dispute that my money is being returned, and an investigation is ongoing to bring charges for fraud. The investigations team has been silent and nothing has yet been communicated since my 2nd rebuttal request. I feel CHIME Stole my money due to fraud that was committed by someone who use their logo, and they refuse to return my XXXX. They are dishonest and have no integrity when it comes to doing the right thing for their customers. If this were XXXX, XXXX XXXX, or even XXXX  of XXXX my money would have been returned back no questions asked. Their legal team would take of everything on their end. I have never used this pay onXXXX feature since being with Chime for almost 5 years. This transaction my account sticks out very clearly.. This is why I'm so upset because they can see everything ever done in as far as transactions. So this is why its not right I did nothing wrong but what asked when this person named XXXX did what he did to me. I live paycheck to paycheck and its very upsetting, very disappointing and very dishonest what they have done to me. I did everything on my end with a police report investigations still will not return my money. 

Think twice about getting an account with them. I'm going with a new bank. I hope alot of people read this. I feel violated against a big corporation that has not care about a customer being scammed. I want it to be known that CHIME is not a good COMPANY. They have held my money XXXX leaving me without any means to pay rent, my electric bill, phone bill, insurance, internet etc. I have been very upset even crying about the situation and have been in contact with their dispute team every day. Yet THEY send an automated email with the same stupid message.. 

I want this complaint to be taken very serious.. In the hopes someone does investigate CHIME Corporation to see how many people they have actually not returned money back to. I know of 5 that have left comments one for XXXX, XXXX, XXXX, XXXX and XXXX all of these were due to scams as well.. Its really very hard to believe that a BANK that is worth millions has no INTEGRITY.. 

XXXX XXXX Texas Resident

Company response to consumer: Closed with monetary relief