Checking or savings account -- Problem caused by your funds being low -- Complaint #15593563
Complaint Overview
Complaint ID: 15593563
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Wisconsin
ZIP Code: 54302
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received Direct deposit payments from Social Security XXXX which was XXXX and I received those funds on Monday XX/XX/XXXX at XXXX XXXX in which I paid the first XXXX back and then I received a payment from the State of Wisconsin in the amount of XXXX XX/XX/XXXX at XXXX XXXX and I repaid it back again but let me mention also I had available funds still in my account in both Credit Builder account and my checking account which made my available checking balance XXXX, my Credit builder XXXX before I received the XXXX and now I'm missing the repaid XXXX and I'm also negative in my checking account because I've supposedly used those funds from XXXX when XXXX transactions show that I haven't used those funds nor card after I made a ATM withdrawal in the amount of XXXX after transferring XXXX from Credit builder and I am on a fixed income and I thought using Chime would be beneficial for me because of the instant alerts and transactions at every XXXX. I called Chime Customer Service and I was given the run around after I was told different from the records I received and have in my account in this banking institution. I asked for a supervisor repeatedly and he kept saying let me explain when at this point I thought it would be crucial for me to speak to someone over him. As I stated I'm on a fixed income and it's bad enough that it's barely enough to live and after I pay my my bills and buy my maintenance I'm struggling to live and can't afford my limited finances to be just stolen.
Frequently Asked Questions
What is Complaint #15593563 about?
Complaint #15593563 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2025-08-28T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.