Checking or savings account -- Problem caused by your funds being low -- Complaint #7085171
Complaint Overview
Complaint ID: 7085171
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Michigan
ZIP Code: 48335
Date Received: 2023-06-07T12:00:00-05:00
Date Sent to Company: 2023-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was with chime for years before they became " popular ''. Last year I went through some financial hardships and money was not coming in as I would have liked I was unemployed for months. My account was overdrawn XXXX and something dollars. I have recently found a job and I was able to get my account back in good standing, I tried to log into my acct and received a message that my acct was closed and to contact customer service. After a day I got an email saying that they are sending my account to another department. After that the department emailed me saying we can't re open your acct due to a negative balance... I reached back out because I am legit confused how can a company that states no penalties for overdraft accounts to closing my account with no notice no nothing. Like I know that they don't have to tell you but I got an email from them about everything else especially regarding that dumb spot me thing. But never got an email stating that my account is about to close and what can be done. I still have not heard back from anyone regarding this after replying back to the email telling the rep I wanted a supervisor to call me and provide clarity and next steps. They did nothing. I dont think its right that they don't even try to assist or provide clarity or provide information on what will happen next or even telling me there is nothing to be done they just ignored me. So now I'm taking my reviews here, XXXX, XXXX, XXXX XXXX. Like I said I had the acct for yrs no issues no fraud no nothing and they just basically threw my account away and refused to offer any assistance even after I told them I will be taking this to social media.
Frequently Asked Questions
What is Complaint #7085171 about?
Complaint #7085171 was filed against Chime Financial INC regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2023-06-07T12:00:00-05:00.
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.