Consumer complaint received 2022-11-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to XXXX XXXX XXXX to purchase a car in which I was told I needed a co-signer .a After being denied by first co signer I asked someone else to help me in which they agreed but never came to dealership. After waiting 2 weeks the dealership called and said I was approved for the car but I needed to pay XXXX $ down payment. The dealership than gave me a loaner car for some odd reason until they recieved the XXXX $ which was never paid on dealership premises but yet I was instructed to meet one of the dealer workers at the nearby XXXX a block from the dealership in which I questioned because it seemed suspicious. Once I got the car I signed loads of paperwork and the other half in which the co-signer had to sign was transported to her home by another dealership worker which was more suspicious to me but with this being my first time purchasing a car like this I didnt know if this was legal or illegal and I was told by the dealers that they were doing me a favor or otherwise I be waiting until the person could show up to dealership which was impossible because the person had no desire to come at no point at all. After signing the paperwork the dealer assured us we would get our separate copies in the mail and Thanked the person for being a good co-signer. Immediately after getting the car I started receiving calls from XXXX XXXX XXXX XXXX. Not even a week after getting the car this lady named XXXX from the XXXX XXXX is calling for payments in which I was instructed no payments for first 60 days but she continued to call and harass me about payments. My first payment was paid a month early mainly because this lady was making up lies for some reason to get money from me. Not one time was the co-signer mentioned in any conversation from the XXXX XXXX. I asked about the paperwork literally every time this lady called me and I even called her numerous times for the paperwork in which her response was the same as dealership that I would receive it in mail. I sent the first payment to my co-signer to pay online due to me not receiving anything to verify the account online because I still hadnt received any paperwork but the co-signer did. After the first payment I went in personally to pay the note to get the paperwork but was told the same thing every time. Still being harassed for payment by the same lady weekly but still no paperwork. Paying XXXX $ a month on a car and still havent received paperwork 6 months later was frustrating me, I just felt I was being screwed over somehow. After speaking with this lady XXXX again making a payment XX/XX/XXXX I told her I wasnt making anymore payments until I recieved the proper paperwork about the car. She terminated the call randomly but called back saying I wasnt listed on the loan and if I didnt return the car to owner she would report it stolen to police!!! Huh? She than told me that the payments were 3 months behind and she would have the car repod if I didnt follow her directions. I asked so you going to call police and have it repo but you calling me for payments and not who you have business with? How can my paperwork get switched without notifying me and why are you calling me for payments if I dont have an account with you? This opened up a lot of new information assuring the dealership scammed me. The loan was approved for XXXX $ down but I was charged XXXX and only XXXX $ was returned and a fake letter with a forged signature from the dealership came to play. The letter stating that the car was for the co-signer and nothing to do with me but the co-signer never been to this dealership ever and had no desire to purchase a car at all. This person didnt know what make and model of car I was looking to purchase to even make those types of accusations and its impossible to go pick any car of my choice and someone spitting this car in their name for me. The person barely wanted to co-sign!!! I asked for my refund from this company in which they told me contact my bank and I did. I filed a dispute with Chime bank but they closed my account. They sent emails saying contact them Thru the app but after closing my account I had no access to the app features in which they know this. Numerous emails without a response!! When I did get response from Chime they assured that they closed my account and had no reason or business with me completely avoiding my dispute. After filing with XXXX Chime emailed me saying they investigated my case and found nothing wrong in which its a lot wrong my funds went to a account that has nothing to do with my name or business so what did they investigate? They sent same automated emails over and over and XXXX  TOLD ME CONTACT YOU FOR FURTHER ASSISTANCE DUE TO CHIME LACK OF BUSINESS RESPONSES AND SENDING SAME EMAILS. I Work extremely hard for my income and Im a felon which means job opportunities are limited and for these people to take advantage of me is a violation of my rights and Im sure of this. I ask that chime return my funds immediately and this XXXX XXXX XXXX XXXX and XXXX XXXX XXXX take full responsibility for the scam and fraud they have committed. I have suffered greatly since than because these obstacles but a burden on my family and I and I have yet to get this issue resolved legally!!

Company response to consumer: Closed with explanation