Checking or savings account -- Closing an account -- Complaint #7165104
Complaint Overview
Complaint ID: 7165104
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: New York
ZIP Code: 142XX
Date Received: 2023-06-25T12:00:00-05:00
Date Sent to Company: 2023-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX because I liked the simplicity and technology-inclination this bank appeared to have. On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.
Frequently Asked Questions
What is Complaint #7165104 about?
Complaint #7165104 was filed against Chime Financial INC regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2023-06-25T12:00:00-05:00.
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.