Checking or savings account -- Closing an account -- Complaint #4960806
Complaint Overview
Complaint ID: 4960806
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: Arizona
ZIP Code: 85283
Date Received: 2021-11-30T12:00:00-05:00
Date Sent to Company: 2021-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error
Frequently Asked Questions
What is Complaint #4960806 about?
Complaint #4960806 was filed against Chime Financial INC regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2021-11-30T12:00:00-05:00.
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.