A recent report suggests that two financial services influencers, Daraine Delevante and Gilbert Eugene Graim Jr., have attracted millions of followers by disseminating misinformation and “dubious financial advice” regarding consumer rights and compensation for payment app fraud. During an investigation into a spike in complaints filed with the Consumer Financial Protection Bureau, or CFPB, consumer advocate Consumer Reports found a “vast majority” of the complaints appear to have originated with videos and products endorsed and sold by Delevante and Graim. Many of the complaints reportedly contain language that is nearly identical to what Graim and Delevante advised their followers to submit. Graim has incorrectly said in TikTok videos that have gained millions of views that Zelle and Cash App would soon be handing out reimbursement checks to anyone willing to submit a formal complaint. For his part, Delevante uses other social media platforms to sell a wide range of products, including $77 complaint templates designed to be submitted to the CFPB related to claims against Zelle, Experian, Equifax, Honda Finance, Cash App, and many other companies. In its article, Consumer Reports quoted consumer advocacy experts warning against the advice hawked by Graim and Delevante, which one attorney with the National Consumer Law Center told the publication was false “pseudo-legal advice.” Delevante and Graim’s advise consumers that complaints to the CFPB against payment companies over losing money to scams can lead to compensation. However, this is false. While the CFPB has accused payment companies of enabling scams and requested compensation for victims, filing a complaint through the bureau’s portal does not qualify victims for compensation. In cases where a company has had a consent order against it, such as in the case of Cash App, the company is typically required to find, contact and reimburse customers who have been scammed. Daraine Delevante says on the website for his company, Consumer Law Secrets, that he is a U.S. Army veteran and entrepreneur, positioning himself as “The Credit Hero.” Delevante markets educational products focusing on credit repair and consumer law, including AI-related content in the genre of prompt engineering, which is a technique that users of large language models such as ChatGPT employ to get more desirable outputs from these models.