Checking or savings account -- Managing an account -- Complaint #5589151
Complaint Overview
Complaint ID: 5589151
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: Washington
ZIP Code: 98133
Date Received: 2022-05-22T12:00:00-05:00
Date Sent to Company: 2022-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? This form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.
Frequently Asked Questions
What is Complaint #5589151 about?
Complaint #5589151 was filed against Chime Financial INC regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-05-22T12:00:00-05:00.
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.