Checking or savings account -- Managing an account -- Complaint #18331684
Complaint Overview
Complaint ID: 18331684
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: Louisiana
ZIP Code: 70508
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I started a Chime account in XX/XX/year>. In XX/XX/year>, upgraded to include the Chime XXXX XXXX which advertised free and safe credit builder program. In XX/XX/year>, I began receiving emails about my account payment being due in XX/XX/year>. I called Chime, spoke to XXXX, who told me to disable the XXXX XXXX option to prevent /the account from taking money from the Checking/Savings for a FREE program. Today, XX/XX/year> I couldn't access the XXXX XXXX Credit Card because it was locked for failure to pay a delinquency. The same delinquency XXXX told me would go away if I XXXX the safer builder automatic option. I have spent XXXX minute on the chat with XXXX who kept telling me that the XXXX XXXX delinquency would go away if I reenabled the safer builder feature. I can not get them to give me any documents about how much the account costs to use. It seems like they count your addition of funds to a secured credit card as a deposit and then want you to pay exactly what you spent in addition. That would be 100 % fee on an advertised FREE secured credit card. I am currently talking with the representative about closing this devious account.
Frequently Asked Questions
What is Complaint #18331684 about?
Complaint #18331684 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-28T12:00:00-05:00.
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.