Checking or savings account -- Closing an account -- Complaint #5708197
Complaint Overview
Complaint ID: 5708197
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
State: Michigan
ZIP Code: 48507
Date Received: 2022-06-25T12:00:00-05:00
Date Sent to Company: 2022-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Since approximately XXXX I have had an online checking account with Chime, which operates under the banking authority of XXXX XXXX XXXX. Around the dates of XX/XX/XXXX to XXXX of this year ( XXXX ) I deposited 3 checks using the mobile deposit feature within the Chime XXXX app. These checks were drawn on my investment accounts with XXXX, which had an available balance to cover the amount of the checks. I needed to move money to my Chime account in order to pay rent. The Chime app stated that the checks would be available by XXXX the next business day, and I made arrangements with my landlord based on that assurance. However, despite that, only an hour or two before the XXXX availability time for each check I received emails stating that Chime would not deposit them, and they didn't provide any information as to why, or what the problem is. This brings me to my main complaint : shortly after the above events, I tried to login to my Chime account to deposit funds via other means, and I received an error stating : Your account has been closed. If you think this is a mistake, please contact Member Services at XXXX I tried to email that address earlier this month, but I did not receive any response. I received no notice whatsoever that my account was going to be closed, or even after it was closed. Nothing via email, postal mail, phone, etc. I was relying on the availability of my account to be able to deposit money and pay my bills online and via ACH, so this disrupted my life to a great extent. I filed a complaint with the FDIC against XXXX, who Chime uses as their banking provider ( case # XXXX ) regarding these issues on XX/XX/XXXX. XXXX sent the FDIC and myself a response stating that Chime would reach out and assist me with reopening my account, however that was not true. Chime never contacted me, and when I contacted them as well as XXXX about this, Chime replied stating that they would not reopen my account. So, XXXX lied to the FDIC in order to close the case.
Frequently Asked Questions
What is Complaint #5708197 about?
Complaint #5708197 was filed against Chime Financial INC regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2022-06-25T12:00:00-05:00.
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 (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.