Checking or savings account -- Managing an account -- Complaint #18071234
Complaint Overview
Complaint ID: 18071234
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Alabama
ZIP Code: 359XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When I went to bed on Friday ( XXXX ) I had {$70.00} available in my my pay to access that I was keeping in there temporarily for emergency basis. When I woke up Saturday morning ( XXXX ) that {$70.00} had disappeared with no knowledge of what happened to it, no transactions made by me, and no notice given to me about any actions taken to my account. I have called Chime off and on for 4 days now being given answers that cant be given a straight set response ranging from the {$70.00} is generating in the system to be available to you to your balance is {$0.00} and that {$70.00} expired and will not be available to you anymore until you get another direct deposit to as far as today being told by a Chime representative that that {$70.00} was not yours even though it went into a checking account in my name with my social security number attached to it and into the my pay feature in that same exact account with my name and social security number attached to it from a paycheck direct deposited from my most recent employer XXXX XXXX XXXX from a paycheck with my name and social security number attached to it. I had a limit of {$300.00} to access in my pay with Chime and as shown in the screenshot I have only used {$230.00} which shows I should have still had that {$70.00}.
Frequently Asked Questions
What is Complaint #18071234 about?
Complaint #18071234 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.