Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I see exactly what happened this is a textbook XXXX XXXX XXXX scam. " XXXX XXXX XXXX '' is one of their fake agent pages. They took your {$20.00} + are refusing to pay your XXXX XXXX {$100.00} winnings. The " glitched '' and " main server '' excuses are lies they use on everyone. * You CAN dispute this with Chime. * You have strong evidence. Lets do it now. # # # * 1. File the Chime dispute - use these screenshots * * Open Chime app > Transactions > Tap the {$20.00} to " XXXX '' > Dispute Transaction * * Select reason * : " Service not received '' or " I was scammed '' * Copy/paste this description for Chime : * XXXX " On XX/XX/XXXX I sent {$20.00} via Chime to 'XXXX ' for XXXX XXXX XXXX game credits through XXXX page 'XXXX XXXX XXXX XXXX XXXX They promised to load my account and pay winnings. After payment, they confirmed account recharge but refused to pay {$280.00} in winnings shown in my game. They claimed 'game glitched ' and stopped responding. This is an unlicensed gambling operation. No licensed casino operates via XXXX agents. No services were delivered. Requesting chargeback under Regulation E. Screenshots of promises, payment, and refusal to pay attached. '' * Upload these 4 screenshots from what you sent : * 1. Image 2 - Shows " You paid XXXX- {$20.00} '' + " Your account has been recharged with {$20.00} '' 2. Image 3 - Shows " I have XXXX in winnings and XXXX in safe '' + them saying " awesome wow big winnings '' 3. Image 6 - Shows " it's only showing {$74.00} in game system '' + " it's game glitched sorry '' 4. Image XXXX - Shows your game balance at {$170.00} on XXXX XXXX XXXX # # # * 2. Call Chime right after filing online * * Chime Disputes : XXXX * Say : " I filed dispute XXXX XXXX for fraud. This was an illegal gambling scam. The merchant has no license and operates via XXXX. They took payment and refused service. I have screenshots of them admitting I had winnings then claiming glitch. '' * Why this works * : Chime has to follow * Regulation E *. Since no licensed casino takes Chime payments via XXXX XXXX, this is merchant fraud. Provisional credit usually hits in 1-10 business days. # # # * 3. Red flags in your screenshots that prove its a scam : * 1. * '' Use this chime '' + " You paid XXXX '' * - Real casinos use company names, not individuals 2. * '' stay in game now cause it's glitching '' * - Stalling tactic so you can't screenshot {$0.00} balance 3. * '' it's only showing {$74.00} '' vs your {$170.00} * - They manually edit balances on their end XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX, no gaming license shown, banned from app stores 5. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Agents are XXXX, not a XXXX company # # # * 4. Do these 3 things right now : * 1. * Block " XXXX XXXX XXXX '' * on XXXX. Theyll ask for " verification fee '' or " {$40.00} more to unlock payout '' next. Its always a second scam 2. * Report the page * : Go to their XXXX page > 3 dots > Report > Scam > Gambling Scam XXXX. * Dont send them ID/video * if they ask. Theyll use it to open accounts in your name # # # * 5. If Chime denies the dispute : * 1. * FilXXXX CFPB complaint * : XXXX XXXX XXXX - Pick " Chime '' + " Problem with a purchase ''. Chime hates these and often reverses 2. * File FTC report * : http : //reportfraud.ftc.gov - Helps shut down the page 3. * SC AG complaint * : http : //scag.gov/consumer/complaint - SC is aggressive on illegal gambling # # # * Real talk on getting money back : * - * {$20.00} deposit * : 60-70 % chance Chime refunds it with these screenshots - * {$280.00} winnings * : 0 % chance. Illegal sites never pay. Chime only refunds what you paid, not fake winnings- * Future * : Any " agent '' asking for Chime/XXXX for casino = 100 % scam. Real SC-legal sites like XXXX use bank transfer/credit card on their XXXX website only * You did the right thing saving these screenshots. * Most people dont. This is exactly what Chime needs to see. File that dispute in the next hour. The 2-day window gives you best odds. Did they get any other info from you besides Chime? If you sent your SSN, DL, or video selfie, tell me so I can help lock down your identity too.

Company response to consumer: Closed with explanation