Consumer complaint received 2023-10-06
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by someone saying they were a landlord. There were XXXX different transactions sent out to $ XXXX A guy name " XXXX XXXX '' advised me to send him the money for an application fee and holding deposit for property on XXXX XXXX XXXX in XXXX Mi. I sent the first payment of XXXX dollars to him on XXXX shortly after viewing the home I sent another XXXX a little after XXXX XXXX for the partial payment of the deposit because I had to load the money on before I could pay the rest of the fee. He agreed to wait for the rest of the payment to be paid the next morning. I sent him my section XXXX packet for him to fill in and he still hasn't returned it claimed his system crashed. I made the payment on XXXX to him on XXXX at XXXX in the morning because the card would only let me transfer XXXX I had to load the rest and paid him the additional XXXX dollars for the full XXXX dollar deposit amount. I tried disputing it with the bank and they sent me a message today saying they wouldn't be crediting back the payment possibly because of the way that it was processed either way I ended up finding the house on a company site XXXX XXXX that stated the only post on their company site and XXXX  but I applied to the property on XXXX and then again on their site when I realized I had been scammed I honestly believe whomever this person is may be apart of their company because after I scheduled to view a team member XXXX XXXX advised me to apply to the property but I had already done so. The next day he messaged me and said he had been trying to contact me I never received a text or a call from this guy only thru email the number he has listed goes to a non working voicemail ( XXXX ) XXXX I've tried dialing numerous times especially after being scammed I wanted to talk to a person no one ever called only wrote me thru a portal on findigs where I've screenshot the messages sent to me. After telling me to apply the next day the guy writes me and tells me that the property is no longer available after one of his colleges had already asked me for my documents. That I did send in and then shortly after he informed me that it was unavailable I get a message on the portal saying that it's because my voucher doesn't cover. Message below. 

Hello! Please be advised that the home you have applied for is covered by XXXX XXXXXXXX XXXX XXXX XXXX and the voucher you provided is for XXXX XXXX XXXX. Please either have your XXXX ported over to XXXX XXXXXXXX XXXX XXXX XXXX or please transfer your application to a home covered by XXXX XXXX XXXX. Please advise. Thank you! 

Which is not true. XXXX housing covers all of XXXX XXXX I informed them of this and haven't gotten a response since. At this point I want to assume the entire company is a fraud and that they are just stealing people 's money on different states. What property management company doesn't have direct contact I think what hurts the most is realizing that the house I thought I was holding never had a chance and that it was all a big scam from the start. Now I just need to figure out how to get the money back and get the person that did this off the streets so they can't do this to anyone else.

Company response to consumer: Closed with explanation