Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
XXXX okay I called time on November will probably XXXX XXXX at about XXXX a.m. and I was concerned about why my XXXX XXXX account was off of my mobile app I was in XXXX trying to buy some shocks for my truck I only been there XXXX days the trip from Nebraska shot anyway I went into XXXX and I didn't know if I wanted to use my XXXX account or my time card so I looked at my time earlier that day and I just wanted to see how much money I had what I wanted to do and when I opened up my Mobile account the XXXX XXXX app was gone so I called time in XXXX call time and I started arguing with the guy because he said that my credit bureau account have been closed I said no way man I just got here I've been here two days why would I close my account when my XXXX XXXX check everything all my rent my phone bill my XXXX XXXX for my driver's license and he told me to hold on what we all get a little bit about you know he said I'd never be able to get a XXXX XXXX account again and I said how can I be punished when something that I didn't do you know I need to speak to somebody about it XXXX all my bills come out of there and I need to have that account open because my check's going to come to that account when it's closed and it's a direct wire transfer so it's closed I'm going to lose my money so he goes and a piece of paper at that point I said okay I never wrote it down I just typed what he gave me into the phone XXXX my phone keeps track of everything anyway it did that XXXX I had but make a long story short he gave me supposedly a routing number he gave me an account number and it gave me an activation code which is supposedly what was going to be my new XXXX XXXX man I was excited I was like okay so it's cool where you guys going to send it he took my address down and all that and then while I was on the phone with him he said oh and it appears that you're your XXXX is hit your account I said what it was only the XXXX or the XXXX my check comes on the XXXX okay so but it does come early sometimes like in XXXX because it was sure I got it early I always get it XXXX days early because I have direct deposit so it does come a couple days early not a week early but you did but I don't know where is it it wasn't on my account it wasn't so it doesn't hold on a minute let me go find out where is your money he came back on the phone and said refresh your page XXXX I still have that same balance so I refreshed my page and that's when the money came up it was like XXXX so I went from XXXX minus whatever was on my XXXX XXXX which was another like XXXX bucks and then bam I had like XXXX there when I refresh it then it goes that number that I gave you the account number routing number the activation number did it turn green I said what do I turn green he goes do the number turn green I said no it looks like a phone number to me now he was little tap on it I tapped on it it brought up another page once that page came up and said pay or it said pay or request and I said who do I pay do I pay XXXX XXXX or do I pay time he goes no okay don't pay anyone and I said don't pay anyone so I can put no name down he goes what it pay I get paid damn all my money was gone I said hey man all my money is going to click and hung up I called trying back immediately told him exactly what happened they said oh you've been that sounds like you've been scam XXXX called you and play XXXX XXXX XXXX XXXX pretending to be us it wasn't us I said and then he kept saying we don't call people we don't call people well you just said the time called me no I initiated the phone call and at that point I try to explain to these guys explain to these guys and they did they found out of the dispute I'm thinking I'm going to get my money back on XXXX so I was like there's no way around this XXXX you guys record every call so the thing that I'm that I'm getting at is at the point when he got back on the phone and told me to if the number was green and then to tap it and then all my money was gone they never would listen to me about the fact that how could I lose my money when it wasn't there then it was there and then I'll now it's all gone when my account was closed at the point that they told me that my account had been closed I don't care about anything else but the fact of the matter is there should have been no activity done to my account from that point and I was still on the phone with my money hit the phone and that's going to be proof of that I know for a factor has to be proof of that because I can get it from XXXX and from cops which has nothing to do with the XXXX phone which I don't have anymore but they have to be able to provide me with the records cuz I paid them and I can I can request those records I know I can talk I know I can request those records I know I can but time has those same records they cannot be notified that cannot be deleted and supposedly they record their phone calls so the point that I'm getting at is that no matter what I feel as a consumer as a customer and as a person that wants his money back that I can prove myself without being an attorney and I can prove that they are taking my money and I don't know how many elderly or how many older people they have done this to but that pay anyone is an easy way and I've been a salesman for XXXX years on the phone and I know for a fact that that was an end I feel that was an inside job I do because whatever they say they put whatever say hold on let me get you a supervisor at that point that's a free airline customer an employee of theirs that's a scammer and a person of deceit at that point and have a fraudulent account set up come back on the phone give you that information real quick walk you through the steps like they did me and boom once you push that pay and that money is gone and hang up and take time can't prove what was them I'm trying to improve anything knowing I should get my money back they will not even give me temporary temporary money there should have been no type of transactions made and damn sure now I was on the phone with XXXX agent I want my money back and I feel like if I need to get an attorney I'm going to get a hell of a lot more than a thousand bucks man it's been XXXX months and that was my XXXX check they took for me you know I lost my I got my license suspended for it because I have an XXXX and they were taking that money out of my check out of my account not all that my storage got behind that I had up here everything man and it's been XXXX months September XXXX sir I'd only been here XXXX days and it took my money they did and won't give it back to me and you know I'm just know I'm XXXX years old man that put me back and set me back it really did it made me it made me depressed I was negative just because I just got here man I really didn't have anything you know my daughter luckily for my daughter I'd be homeless I'm homeless now but you know but I'm not like I can go sleep on my daughter's front living room floor right there you know one bedroom with XXXX people come on man I've been here since September trying to get housing doing whatever I can do and I've been begging these people give me my money that's what happened sir and I feel that the only thing that needs to be proven to these people is that they made a mistake when they try to tell me oh no somebody called you and you were scammed if we actually want to get the recordings it's on the recording where they keep saying time called you and that's what that happens a lot to when they call you and try to act like the rest we don't call people yes you do they do call something happens I'll call you back and verify it's time and all this they do call back and I prove that to them also so that right there was a cover up until now is a way to get money from older it's a way to get money from older people or people all out all I want all I'm trying to figure out is that I was referred to you guys by very special person and and they told me based on everything that I've said I've asked chat GPT they told me there's no way you won't get your money back I've I'm almost if I had the money I would get an attorney and take time to court and then I would open up a big I would open up a XXXX or a XXXX XXXX lawsuit on these people based on the fact that I know that I'm not the only one that's had this happen to him and I feel it's an inside job not because of time but because of the negligence on who is dealing with people's money that's what happened so I don't reallywhen it comes to letting people work remotely after homes that is a no no I feel when it comes to people's money and with that pay anyone I want my money back sir and I ma'am or sir whoever it is if you can help me I if I had money I would get time for a XXXX than XXXX I know this"

Company response to consumer: Closed with explanation