Consumer complaint received 2023-09-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Statement On XXXX XXXX XXXXXX/XX/XXXX I received XXXX from insurance company. So I decided to buy a new vehicle with the settlement and spoke with the dealership the evening of the XXXX they said they needed it in money orders So the following day which is XXXX XXXX XXXXXXXX I was going to go to XXXX XXXX before so I was told by dealership if i got XXXX in money orders they could charge the XXXX XXXX  on my card i moved the XXXX from my savings to my XXXX and went to XXXX office to get money XXXX for XXXX XXXX and remaining XXXX XXXX  stayed in XXXX account for the dealership to charge on card upon arriving to dealership when I arrived we filled out all paperwork and when he went to charge the card it stated I didnt have enough money even though there was XXXX dollars in the account. I also tried transferring to another card and it stared the same that i didn't have enough cash on card At which time he asked me to call the card company you to release my XXXX k it is now XXXX. I called the number on back of my card chime finacial XXXX and a gentleman by the name of XXXX XXXX employee number XXXX ext XXXX answered the phone while on the phone with him I explained that I was trying to charge card for the amount at dealership and it kept stating I didnt have enough money he said that he could help with this by raising my daily amount but I had to first download a app he told me to type in chime XXXX  in top of XXXX XXXX and it would pop up it was TeamViewer quick support at which that time I downloaded the app. The XXXX reasons i consider this was first i was speaking with my bank with whom i trust and second i have had to do this before when my computer broke down. after downloaded I gave him the number which gave him access to the phone were he went to my account and shut off the allowed transaction button and stated that what he was about to do would increase my daily limit Then he went to my XXXX and typed in XXXX and put in the name XXXX at XXXX pm as he was doing this I asked him why he was sending cash to someone he stated he wasn't able to send because transaction button was off and not to worry that the cash wasnt being sent to XXXX because the transfer button was off. I then started repeatedly asking if the cash he sent wasnt being taken why did my balance drop. He then told me that it wasn't taken from my account because the button was off and the money would return shortly all while this is going on finance was listening withme on speaker phone. he told me to stay on with him that it will return. And if I had any concerns about it not to that he worked for you and he would call me from your number at which point he did and switched back to the other line after proving so and he would return cash back and raise my limit. He had me check the limit each time to see if it fixed it. When I stated that the limit wasn't increased he went back into payanyone and typed in the second name XXXX XXXX and put in refund for initial XXXX in which he said that this would give me back the money. I was still questioning him at this point stating why he needed to take money to fix this when he sent it through I had the dealership call chime finacial and he picked up and transferred back over in which I called on second line and he stated see I work with chime you have no worries and I was still questioning him about why he was taking cash when he told me he couldnt fix everything and return the cash unless I let him continue what he was doing and that I had placed and received the calls from him from chime and i have had his XXXX name and number and if I stopped I definitely wouldnt get the XXXX back that he had to finish the jobwhile having access he was trying to get other info and sent XXXX transaction of payanyone to the email he gave me XXXX which is XXXXXXXX XXXX for XXXX and said refund all and he said it would return all of XXXX XXXX  that was taken I was irrate at this point and I had the financing guy called your XXXX number again in which he was calling me and answering all the calls to chime finacial when I called your number back again he answered and I proceeded to tell him he wasnt allowed to take my cash and I was going to call the number again at put on XXXX way that he took the cash without my permission and it didnt return. I placed XXXX XXXX call and dialed chime finacial again and I finally was able to reach another person and told them everything that was happening and he was on the other line and transferred to XXXX XXXX and i told him that your coworker is on the line and i told them everything can you please tell them what you did which he hung up and called from your number a few more times to my cell as i was talking to the other employee which told me to unistall app and we would do a dispute I didnt answer and explained everything going on to new person and did as they said. Now i have filled several disputes all getting denied repeatedly i have filed police report reported to fbi I knw of all the scams and I'm very cautious when dealing with things like this and the only reason I even let him do what he did is because he worked for you and answered your phone number for chime finacial everytime no matter who called I trust you as my bank and this person took advantage of that and my only cash from accident can u please help me get this solved tell me what I need to do to pass your criteria because I didn't do anything wrong besides trust my bank to help me fix a problem and intern lost XXXX dollars. I'm also going to speak with attorney General and if all else fails and I'm not helped report your business and do social media and tell how a chime XXXX XXXX XXXXXXXX dollars from my account.

Company response to consumer: Closed with monetary relief