Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TN)

Re : Dispute # XXXX I am requesting that you reconsider my request to refund the {$480.00} that was taken from me without my consent on XX/XX/XXXX. I did not authorize this transaction and I have reported the people involved and the stolen money to the FBI I will admit I gave this person permission access to my XXXX, only because I thought he was with XXXX fraud department. I did not give him or anyone else permission to transfer money out of my Chime account to anyone. I received the attached email telling me {$470.00} was going to be taken from my account that night for XXXX that I had supposedly purchased and if that wasnt correct to contact them. I thought I was being smart and had XXXX look up the number for XXXX customer service ( because I had gotten in my car and was driving home ). I thought if it was a scam surely that way I would get XXXX and they would tell me it was a scam. How was I to know I was getting the same number that was on the email and it was the scammers? I was driving and couldnt look at it. XXXX is XX/XX/XXXX! 
Anyway, he had me download the app XXXX so he could take a look at my XXXX account to see what was happening. I didnt think anything about it because anytime Ive had someone in a professional setting work on a computer they always had to get remote access. I was so wrong. He did several transactions in XXXX and the little bit of money I had in there didnt move. Then he told me since my XXXX account was linked to my Chime account he would need to check it to make sure they hadnt already setup a transaction to come out that night. He then put me on hold for about XXXX minutes ( I figure that is when he was setting things up ) and when he came back he said the scammers had set up XXXX transactions to come out of my Chime account that night. He then told me that my money would need to be moved to keep them from taking it and he would fix the problem and move it back. When he went into pay anyone I told him I didnt know about that. He assured me that my money wouldnt actually go out of my account. Of course, as soon as the money moved to XXXX XXXX XXXX who was not in my contacts before he took control of my phone ) I asked him to put my money back. Thats when he kept telling me he would but that I would need to go back to XXXX. I thought maybe he didnt have good reception until he told me I would need to go in XXXX and purchase a special kind of card to put the money from my credit cards on, then he would give me my money back. Then! I realized I had been scammed, XXXX XXXX XXXX screenshot the things Im sending you, deleted XXXX, sent XXXX a letter, contacted you to try and get my money back. 
I truly do not understand why you can not understand that I have been scammed and this person that used the email, XXXX and the other person that received the money from my account at XXXX have scammed me. It is very difficult for me to make ends meet as it is. I would never just give my money away. 

If you decide to decline my request again I would like the reason in writing so that I am able to explain it to the FBI. 

Respectfully XXXX XXXX XX/XX/XXXX