Checking or savings account -- Managing an account -- Complaint #15772229
Complaint Overview
Complaint ID: 15772229
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Tennessee
ZIP Code: XXXXX
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Chime froze my account for alleged fraud. They requested I submit documentation proving my identity. Each time they asked for additional documentation. Once my identity was confirmed they asked for proof of residence. Then bank statements, then a letter from the bank, then a utility bill. So far Ive provided my drivers license, passport, a copy of my lease, two different utility bills, multiple bank statements, a letter from the bank confirming they are my bank statements and more. Chime has refused to reactivate my account and refused to release my funds. Each time claiming they need more information. This has been going on since XXXX and is still not resolved. Their policies are unreasonable and predatory. Tonight XX/XX/XXXX customer service said they can no longer do anything and hung up on me and online customer service failed to complete any progress on my account. I will be taking legal action.
Frequently Asked Questions
What is Complaint #15772229 about?
Complaint #15772229 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
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.