Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Hello, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was purchasing the vehicle from this individual with a legal contract and he still scammed me. I decided to go to the police to report the scam but they advised me to file the dispute with my bank and to file a report with the FTC because they do not file police reports for scams or fraud, they only do reports for stolen property. I've given this guy over {$10000.00}, I was giving him small increment payments of {$700.00} at first so I can save up some money to put a big amount down on the principal which I did, I saved up {$3000.00} and we put that towards the principal of the auto loan. We had an attorney create a legal bonding contract that had to be signed by both parties and also notarized. After all this, one morning I woke up and went to my garage to head to work and I noticed that the car was no longer at my property, I immediately contacted XXXX and he said the car was repossessed by XXXX XXXX XXXX XXXX, for none payment which means he was taking all my money that he said he was using towards the vehicle and doing god knows what with it. I then proceeded to tell him that he needs to pay the past due balance and get the car out of repo, since I was not aware that the car was passed due and because clearly it was past due before I got possession of the vehicle. He told me no, since we have a contract now you are responsible for paying the past due balance. I was very surprised and disappointed but I needed a vehicle so I agreed to pay the balance even though that was not fair because I was never disclosed that that the car was passed due but with me being in need of a vehicle I said, OK fine. He owed {$6400.00} so he still had all the money that Ive given him prior so he asked them if they can take a debit card payment of {$3300.00} and he told me that I need to cover the rest in three weeks or they will be coming to repossess the vehicle again. On my transaction history you will see that there's charges from XXXXXXXX XXXX XXXXXXXX XXXX because I agreed to pay what was past due to get the car out of repo status. About a month later the car was gone again but this time I knew for certain that it wasn't because of a repo because as stated above I paid all the money get it out of the repo status, which leaves him taking the vehicle. My neighbor XXXX drives a XXXX  XXXX XXXX with a dash camera told me she seen someone walked into the car with no hesitation around XXXX and thats because there was two keys. I only had one which points back to him. Hes the only one that had access to the vehicle so that's what drove me to file this dispute, because I was intentionally Scammed. I attempted to file a police report but again the police said they do not accept reports for scam it has to be theft of a property so they advised me to do the FTC ( FEDERAL TRADE COMMISSION ) report which I did. to reiterate, I purchased this vehicle from XXXX XXXX, There was no disclosure that the vehicle was in repo status, he told me that we're going to do a bill of sale and we're going to do a legal contract and thats all. After all this happened I attempted to get in contact with him multiple times to get all of my money back since he scammed me and he did tell me Im sorry and I will give you {$3000.00} - {$4000.00} in two weeks and other irrelevant things. I contacted him in 2 weeks and my number was blocked, he blocked me so he literally intentionally scammed me with no intention on paying me back. Now Im out of my hard working money and a car. I feel like he used me to get his auto loan out of repo status. This has been very frustrating because I am waiting so that I could go and purchase me a new car from a dealership. The contract was notarized at the UPS store in XXXX TX. we both went and got it notarized, they needed both of our drivers license. I continue to try to contact the individual XXXX myself to see if we can resolve it but again my number is blocked. I tried to get a police report but again they do not do police reports for scam it has to be a theft of owned property so they advise me to file the dispute with my bank and they advise me to do the FTC ( FEDERAL TRADE COMMISSION ) report which I've done and uploaded. 
- ALL OTHER SUPPORTING DOCUMENTS SHOULD BE ATTACHED TO THE DISPUTE. 
- I ATTACHED THE FEDERAL TRADE COMMISSION REPORT BELOW JUST IN CASE. 


The reason I am filing this report on chime is because its taken them 2 months for a decision on 2 out of 3 claims associated with this situation and 1 they denied with all I stated above and all the supporting documents there should be no reason why this dispute should be denied and Ive talked to Multiple of chime representatives and Survivors in the dispute department that agrees with me. I really hope me filing this report does something. Ive also got in touch with XXXX and XXXX who sits on the board at chime.