Consumer complaint received 2023-06-24
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I filed a dispute on XX/XX/XXXX with Chime Bank who refuses to give me my money back of the amount of XXXX dollars that I paid XXXX XXXX through a feature to Pay Anyone on the chime app. they have not gave me a document why my dispute was denied. My dispute at first was closed and then someone from the The Dispute Department Of Chime has told me they manually re-opened it for me and all I had to do was provide more information to support my dispute which I did. Under the rules of regulation E they are suppose to show me why my dispute was denied in the first place and they havent shown it. they have been unprofessional, rude and dont protect my rights when I have sent valuable information to support my dispute that XXXX XXXX is a scammer, con artist and a person who pretended to have an apartment with a room to rent in XXXX XXXX XXXX a website called XXXX she requested to have money sent to her through chime She managed to scam me through chime and chime did nothing about it I used a website called XXXX  And I have spoken to XXXX The CEO & Co Founder of XXXX he has provided me all the information of who XXXX XXXX is and XXXX XXXX is Actually XXXX XXXX XXXX XXXX Registered with the same number that was used from chime to create a chime account in the first place. I also filed a police report on XX/XX/XXXX, I have Filed a complaint to the FBI and yesterday I had to update my police report with Sheriff XXXX because XXXX XXXX and XXXX XXXX XXXX i dont know if they are a couple working together but I do know the number thats connected to chime was XXXX XXXX but that same number is Registered Under XXXX XXXX XXXX which both live in Arizona XXXX and they do not live in XXXX XXXX and they do not rent rooms nor have an apartment in XXXX XXXX . Thats why the amount of XXXX dollar was sent to begin with. I work hard for my money. I have been lied too, mislead by Chime Themselves. I spoke to three people today from Chime who has hung up on me, refused to send me an email that my dispute was re-opened. First they said I can see it in my app that its re-opened I checked my app Chime there was no open dispute that they said I can see, I asked for them to re-send me my open dispute to my email and instead of it being re-sent I was rudely hung up on without proof of any dispute open and every time I call they keep telling me it was closed. How is it closed? When so many different people on chime are saying its opened I can see it in my app then the other side of these people are saying its closed. It doesnt make sense as me paying someone whos made an account checking and routing through chime is able to solely and only rob people scam people and do fraudulent activities with chime themselves how are they not being dealt with by chime if I provided information they did steal from me. I was sent 17 different IP addresses where the scammers live, the numbers and emails the scammers use which is XXXX XXXX and XXXX XXXX XXXX. So much credibility to prove my case. Even the CEO and co founder XXXX of XXXX refunded me XXXX because he knows Im dealing with fraud how is it chime is my bank and couldnt provide me my money back or credit me my money back but the CEO was willing without a hassle to show me there real identity and also refunded me but my dispute is still being denied by chime, as I mentioned Chime is trying to treat me like there isnt anything they can do, I foward the same email! XXXX  The CEO of XXXX sent me to them and today when I call chime tells me they never received it? And for me resend it again. They have been lying to me and giving me the run around. They told me to even speak to the merchant XXXX XXXX after I stated I was blocked and couldnt communicate with them they have done zero moves and have shown there isnt anything they can do with all the information I provided and I will provide you guys the same information Ive received. Its very unfortunate that anyone can rob someone through their bank and chime tries to blame it on me and the only way I can get my money back is through the scammer thats using chime themselves.

Company response to consumer: Closed with explanation