Checking or savings account -- Closing an account -- Complaint #16685055
Complaint Overview
Complaint ID: 16685055
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Funds not received from closed account
State: Maryland
ZIP Code: 21227
Date Received: 2025-10-19T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My account with Chime, held in partnership with The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX., has been closed since 2021 while holding over {$140000.00} that rightfully belongs to me. This money came from a legitimate XXXX business loan ( labeled XXXX XXXX XXXX in the deposit ) issued to support my construction company, XXXX XXXX XXXX, during the XXXX pandemic. Since the account was closed, I have consistently complied with every request from Chimes support and compliance departments to provide documentation verifying the source of the funds and my business ownership. I have submitted : Proof of address ( utility bills and government-issued ID ) My full federal tax return ( Form 1040 with Schedule C ) Business license and registration Business bank statement Social Security card for secondary verification Despite repeatedly submitting these valid documents, Chime continues to respond that my materials are not sufficient without explaining why or identifying what additional documents are needed. I have asked many times for a specific list of acceptable documents, but no clear guidance has ever been provided. Recently, Chime confirmed that my account will remain closed and that I am not eligible for a refund, even though they continue to hold my money. The representatives I dealt with ( XXXX and XXXX from Chime Member Services ) have refused to escalate or provide further options. I have been trying for over four years to regain access to my funds. I have acted in good faith, followed every instruction, and responded to every request, yet I am still being denied access to my own account and money. I am requesting the CFPBs assistance in compelling Chime ( and its partner bank ) to either reopen my account and release my funds or provide a specific, written explanation of what documentation they require to verify the source of funds. This situation has caused severe financial and emotional hardship. I simply want access to my own verified funds after years of compliance.
Frequently Asked Questions
What is Complaint #16685055 about?
Complaint #16685055 was filed against Chime Financial INC regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-10-19T12:00:00-05:00.
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.