Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: RI

Complaint narrative:
On XX/XX/XXXX my husband and I purchased a used, XXXX XXXX XXXX pick up truck as he was starting a new job XXXX XXXX after having lost his job XXXX XXXX prior. The name of the dealership was XXXX XXXX XXXX XXXX in XXXX XXXX. The owner of the dealership requested the down payment via XXXX XXXX. The first payment was sent as a test to verify ownership of the account and it was in the amount of {$5.00}. The two subsequent charges Were for {$2900.00} and {$3000.00}. We gave the owner {$900.00} in actual cash and financed the remaining {$3000.00} through XXXX XXXX XXXX. The owner told us we could pick up the truck, in a couple of days because he wanted to, fix it up nice. After repeated calls to the owner, XXXX XXXX wondering when the car would be ready, we finally heard back from him on XX/XX/XXXX stating that the truck could be picked up, however he, didnt have the chance to register it yet so we could take the truck with a temporary plate, he would then register it and have the tags mailed to our home address, along with the title. We contacted XXXX all throughout the months of XXXX, XXXX and XXXX wondering where our registration was. After not receiving any kind of response from him via phone, we showed up in person, demanding answers. He was never available, always away on business and we were given temporary plates on two more occasions. At the end of XXXX after the same song and dance, the same excuses and still no title or registration, we drove to the dealership only to find the lot empty and the building locked down. It wasnt until XX/XX/XXXX that we received a phone call from XXXX XXXX XXXX XXXX from the XXXX XXXX, informing us that we were involved in a huge car scam and that XXXX was arrested on XX/XX/XXXX after evading arrest for several weeks. We were two of over 50 or so victims involved in this scam. We were assigned to Case # XXXX. For our case alone, he was charged with XXXX  over {$1200.00} Ch. XXXX Sect. XXXX, failure to deliver title upon transfer of purchase Ch. XXXX Sect. XXXX and XXXX forged documentation Ch. XXXX Sect. XXXX. XXXX XXXX went on to tell us that although XXXX was in XXXX and awaiting XXXX there was nothing they could do to help us and that our truck was actually a stolen vehicle as he took the truck on loan from an auctioneer, sold it and never paid the auctioneer, which is why he was never truly in the possession of the title and could not issue a true registration. We had to turn the truck over to authorities and told we were out the {$900.00} cash, but that we should file a fraudulent charge with our bank and also to contact the company who financed the {$3000.00}. Luckily we were able to have the {$3000.00} loan forgiven but have not been so lucky with Chime Bank. I have filed disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time they have been denied, despite providing Chime with an explanation and copy of the police records. I have appealed their decision each time, arguing that we paid almost {$6000.00} out of my Chime account and do not have ownership of the truck we purchased! To say that I am outraged is an understatement and what Chime is doing is no worse than what XXXX XXXX did to us. Not refunding our money is criminal. I am a very hardworking registered nurse and my husband works building sheds. It was VERY difficult to save that much money to buy a truck for him while trying to put XXXX children through college. Weve had to depend on friends and family for rides to get him to and from job sites because we cant afford another car. We are just so defeated and desperate at this point and hoping your company can help us get justice.

Company response to consumer: Closed with explanation