Checking or savings account -- Managing an account -- Complaint #4563039
Complaint Overview
Complaint ID: 4563039
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: Pennsylvania
ZIP Code: 170XX
Date Received: 2021-07-21T12:00:00-05:00
Date Sent to Company: 2021-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I used my bank 's check mailing service to pay three creditors. They were supposed to be sent on XX/XX/2021. I allowed ample time for the checks to be received on time. The money in the amount of {$1100.00} was withdrawn from my checking account and I was informed that the checks were mailed. After about XXXX weeks, I noticed that none of the checks cleared as they should have. Shortly after, I was assessed a late fee by each of the creditors. I was charged fees in the amount of {$38.00}, a XXXX processing fee, plus there is a stigma with paying bills late. I was informed by Chime that all that can be done is they can cancel the checks and credit the money back to my account. They offered to send them again, but I lost my confidence by this point and declined. I was offered a flippant apology for the " inconvenience ''. To a working class person like myself, having {$1100.00} tied up for a total of three weeks and approximately {$40.00} in late fees, is a big inconvenience.
Frequently Asked Questions
What is Complaint #4563039 about?
Complaint #4563039 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-07-21T12:00:00-05:00.
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.