Credit card or prepaid card -- Closing your account -- Complaint #4572375
Complaint Overview
Complaint ID: 4572375
Company: Chime Financial INC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: California
ZIP Code: 95678
Date Received: 2021-07-25T12:00:00-05:00
Date Sent to Company: 2021-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.
Frequently Asked Questions
What is Complaint #4572375 about?
Complaint #4572375 was filed against Chime Financial INC regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-07-25T12:00:00-05:00.
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 (Credit card or prepaid card) 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.