Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXXComplaint regarding fraudulent rental property listing\XXXXDate of complaint: XXXX XXXX XXXXCase SummaryXXXXA fraudulent rental listing was discovered on XXXX XXXX for a property located at XXXX XXXX XXXX XXXX XXXX My husband and I were contacted after requesting more information on the property by theXXXXindividual listed as the landlord, XXXX XXXX XXXX  via text message from XXXX XXXX. A property tour was\n\narranged for Saturday, XXXX XXXX XXXX XXXX XXXX XXXX that was (created per direction of XXXX  ensuring us of\n\nsecurity and privacy safty) through the XXXX app. After scheduling, we viewed the property, took\n\nphotos/videos, and decided to accept the lease oer. We paid a total of XXXX, which covered a XXXX application fee perXXXX (personal information (full name(s) date of birth and social security information to run our credit report) andXXXX for utility set up under the impression that this was needed per the lease details of Utilities included in the\n\nmonthly lease. This amount was to be deducted from the XXXX rent of XXXX leaving a balance of XXXX due\n\nby the end of the month. Originally our move-in date was set for XXXX XXXX XXXX  however, we request for early\n\nmove-in with having to pay the $XXXX  upfront and XXXX  (also known as XXXX XXXX  using the XXXX XXXX/ChimeXXXX XXXX XXXX XXXX XXXX using the XXXX  enrollment name XXXX XXXX, agreed oered us\n\nthe keys on Monday, XXXX XXXX XXXX XXXX XXXX XXXX This morning, after speaking with XXXX  to verify meeting forXXXX, we were advised that he would be unable to complete the lease without full payment for first months rent and\n\nsecurity deposit and would have to delay providing keys and needed us to bring the remaining $XXXX in cash with\n\ncompleted leas agreements sent via email. Because it was not possible to withdraw the full cash amount at XXXX XXXX XXXX  does not open until XXXX), XXXX then instructed us to send $XXXX  via XXXX  money transfer and\n\nbring the remaining $XXXX  in cash. The following XXXX  money transfers were sentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the additional $XXXX  pulled from teller at XXXX  (he did not get\n\nthe cash). Upon arriving at the property for the updated scheduled time of XXXX, no one was present. After waiting forCreated on: XXXX XXXXan hour and receiving evasive responses via phone calls, the call was blocked. We then drove to the police and filed a\n\nreport with the XXXX Police Department immediately. The police instructed us to file with the Federal Trade\n\nCommission (FTC) online at ReportFraud.ftc.gov. We did this and received report#XXXX. We also filed a report\n\nwith XXXX XXXX XXXX speaking with XXXX XXXX  was reported through XXXX  as it is connected through my account, a\n\nreport with Chime and XXXX XXXX regarding the scam was reported as well. Here is all alias Information we have about\n\nthe scam landlord XXXX"Landlord" on lease: XXXX XXXXContact name (text): XXXX XXXX XXXX XXXX XXXX Chime Handle: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXChime was contacted on Monday (same day after notifying Police) and stated a case was opened and a REF# would be sent via email. I followed up on Tuesday with no luck receiving a live representative nor an email providing a REF#. Today XXXX I called and the representative stated she could see my call but they never made the complaint, I then requested a supervisor who did not help at all and only stated "Sorry this happened to you but, you accepted a transaction to be sent" I informed the Supervisor Rep that I was lead under FALSE pretenses and was directed by the POLICE to initiate the claim and case so I can provide documentation to them and add to my report. The Rep then kept proceeding to make this appear as MY FAULT and, disconnected the call!'

Company response to consumer: Closed with explanation