Checking or savings account -- Closing an account -- Complaint #5737004
Complaint Overview
Complaint ID: 5737004
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
State: California
ZIP Code: 94133
Date Received: 2022-07-05T12:00:00-05:00
Date Sent to Company: 2022-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I tried to log into my Chime account but could not because the company had arbitrarily closed my account. My account was closed without notice or reason ; the failed login attempts were the only way I found out. I tried to call support but the company redirected my call based on my phone number to an automated message on the basis they had closed my account, this effectively eliminated any chance of talking to a real person for support. My only recourse was to send an email and I received a generic response from the company about 11 hours later. Support suggested I was in violation of the Deposit Account Agreement. I read the entire agreement and it's not clear which provision ( s ) I supposedly violated. I was quite surprised to hear that I was in violation of any policy given I did not make any changes to my account info or transaction behavior. Additionally, I just verified my identity and source of funds for Chime between XX/XX/XXXX and XX/XX/XXXX of this year after they flagged my account for review. I responded to Chime 's last message asking for further clarification but they have stopped responding. Chime is currently holding +/- $ XXXX of my money, but I don't know for certain because I can't access any information or get in contact with anyone.
Frequently Asked Questions
What is Complaint #5737004 about?
Complaint #5737004 was filed against Chime Financial INC regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2022-07-05T12:00:00-05:00.
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.