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

On XX/XX/year> at XXXX XXXX  today I was via text by the number XXXX ( XXXX ) XXXX inquiring about a ATM withdrawal for {$300.00}. I texted back " No '' and they responded saying the transaction was declined and that a customer service rep would contact me shortly. Then at XXXX I was contacted by a man from the chime member services number ( XXXX ). Now that I'm thinking about it, he never verified any information with me in the beginning ; which is a big red flag but I was too concerned with the unauthorized transactions. He went straight into asking me about other unauthorized transactions on my account. The {$300.00} ATM Transaction, $ XXXX at XXXX XXXX and {$100.00} at XXXX XXXX gas station all attempted in XXXX, Texas. He assured me all transactions were denied. He then had me go into my mobile account and to make sure there weren't any other suspicious transactions showing in which I told him no. He told me my account was compromised and that he would have to start the process of sending me new cards and setting me up with a Safe & Secure account. He then provided me with a secure password to access in an email he would send me to use to access my new Safe & Secure account. He then had me transfer all of my funds into my checking account and told me to send the money to a chime email he provided me. As I'm reliving this, I'm realizing how wrong it started to feel. The email provided was XXXX ; I now realize chime emails end in chime.com. This is where I started to get sick to my stomach and expressed my suspicions to this man. I said " How do I know this isn't a scam? '' He had a whole spiel ; " Your address is this : your phone number is this '' and the number I called you on matches the number on the back of your card ( which I verified looking at my card. ) I can assure you Chime is a FDIC bank, your money is protected etc. '' He was very confident and convincing and I fell for it hook, line and sinker. My gut told me not to and to hang up and call chime myself but the man was persistent and I wanted to get my accounts secure. The panic and stress of it all completely distracted me from what was really happening. After I sent the money, I confirmed with him that I had sent it and he immediately put me on " hold. '' As I was on " hold '' I tried canceling the transaction but it was too late. I'm still on hold and use the chime app to connect to someone online to chat and while I'm waiting to chat with someone, my phone hangs up and I realize I've been scammed. This call lasted a total of XXXX mins. Of course a confirmation email came back to me saying the money was received and accepted. I immediately called Chime and for the next three hours would try to to get this cancelled and resolved. I talked to several people at Chime because I kept on getting transferred and then hung up on. Having to re explain my situation over and over again was stressful and everyone had a different answer. The first person to help me told me to email XXXX explaining the situation while it was fresh in my mind, along with providing screenshots and filing a police report which I did immediately. I got an email back right away from chime support saying as of XX/XX/year> the email is no longer monitored I proceed to call chime back and after hour of getting transferred and hung upon monitored. I proceed to call chime back and after hour of getting transferred and hung up on, someone is able to file a dispute on my behalf in which I was able to provide screenshots to them via the chime mobile banking app. The morning of XX/XX/XXXX, my dispute was denied. I have also filed a XXXX Complaint online. Today on XX/XX/XXXX of XXXX, I called chime to get a copy of my denial reason and they said I could rebuttal the dispute and so I decided to go ahead with that.