Consumer complaint received 2022-06-06
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was using the " Pay anyone '' to transfer money to my landlord for rent. I entered my landlords number in the transfer request and it processed the payment of {$500.00}. However once the processed payment went through and refreshed on the site, it shows that the payment paid someone else entirely. I saw the name it paid and it cha ged from my landlords name, to someone else. I personally do not know this person., Customer service told me it was someone who has a chime account and my landlord does not. However, it looks like this person 's phone number has not been updated on their profile because that phone number belongs to my landlord now. How in the heck did my " Pay anyone transfer '' end up going into someone who has a chime account? That shouldn't even happen. There's a glitch in their system, and this is not my fault I have no control over anyone nor could I see if this person was associated with a chime account before sending a payment. I thought it was going to send the link to my contact not some random stranger that use to have my landlords phone number! To me, it looked like it didnt get processed through the " pay anyone '' transfer. It possibly funded someone who has that phone number connected to their chime account. I had already confirmed with my landlord, that she didnt have a chime account, so i dont know what happened on the backside of this operation internally with the bank, but my landlord was supposed to recieve a text that says she has been sent {$500.00} from me. She never even got a text message. She confirmed she never recieved anything like that from me or the bank. I then contacted the bank within XXXX mins of this transfer that wasnt processed correctly, and they were trying to fix it and then they hung up on me during my dispute. Never called me back, So i filed a claim online. When i did that i had used the wrong prompt and said it was an unauthorized charge because technically i didn not authorize payment to that other person. However when i talk to chime customer support they advised me they could see what happened and that i needed to fix that and so they were supposed to write to the fraud dept on my behalf to get this disputed but they wanted more evidence, when iprovded them my evidence they said no that they didnt see an error. I have supplied them with screenshots and communication between me and my landlord and her statment she did not reiceve any notification for these funds nor was anything deposited into an acct of hers because she never was sent the link via phone to have her link her card or account to recieve the funds! 
I dont know where my money went, or if it was depostied in someone elses account but this is not right or fair and someone needs to look a lot deeper into to this error. I Just want them to give me the money back, this has been so stressful for me. I am on the verge of getting evicted because of this, it's disgraceful if the bank deposited it into someone elses account especially if it was someone who already has chime because i had specifically did the pay anyone transfer which I was told would not work if a person had a chime account! That's not right that the bank lost my money or has a loop hole in their internal processes that cost me {$500.00}. Thats a lot of money and I need retribution here.

Company response to consumer: Closed with explanation