Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

On the day of Saturday XX/XX/year> approximately XXXXXXXX XXXX  I met with someone to buy a car. When I saw that I wanted to buy the car I followed him to his car lot to sign all the documents to get said car. I then tried to use cash app to pay for the car which would not go through due to he could not prove his identity on cash app. I got a text message about the payment not going through with the number I thought was Chime banking. I called the number from the text to see what I needed to do to get the cash and was told that they first needed to raise my daily limit of money so I could pull out cash to pay for this car. The first person I talked to was a female who asked me to download anydesk to be able to access my account. When I did that she transferred me over to who she said was her manager. Then he pulled off {$1500.00} and reassured me it would be returned that it was the way they made changes to my cash. He then transferred me to his manager who went into my cash app tried moving money as bitcoin and when that didnt work took me back to my Chime account making sure to keep me on a page where I could not see what was going on with my balance. While I was not able to see what they were doing they were making cash app charges of {$1800.00}, {$240.00}, {$2000.00}, {$1800.00}, {$500.00}, {$200.00}, {$88.00}, {$38.00}, {$22.00}, {$15.00}, {$10.00}. When they had to go back a page and I would see my balance I would question where my money was and again was reassured it would all be back in a moment. Then when I was down to the last XXXX he stopped answering me when I would ask him what was going on and then once everything was gone they hung up on me. I then got on my Chime app and saw all the cash app charges to my account clicked something is wrong and hit the have Chime call me button instead of calling the number from the text message. There I told them that every charge was not authorized by me and they would not put stops to the charges they told me that I had to wait for every charge to clear and then call back to make a dispute. The charge for the {$1500.00} was cleared and they did return that. The next day everything cleared and I called to put in the dispute. Where I was told my money would 100 % returned just to wait for the investigation to go through. After one day the dispute was denied so I then called back. When I called back that night after seeing it was denied I was again reassured I would get my money back. Again it was denied so I called again today XX/XX/year> put in the dispute again and then five minutes later it was denied again. So again I called and this time I was told they refuse to do the dispute again unless I give them new information. I got an email with everything they had and none of the things I told them was added to my dispute and when I asked them to add the things about what happened I was again told no they would not add that and I would not be getting my money back. I then asked to speak to a manager she got very rude with me and told me they would not tell me anything different and then the call disconnected. I also noticed that while they were in my phone with the anydesk app they got on and deleted the text messages with the number that I called which is XXXX. 

If you need any more information my name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, Ok XXXX. My number is XXXX.