Product: Checking or savings account

I became made aware by a bank and a credit bureau that I was victim of fraud and identity theft and instructed to contact places that accounts were opened using my information. I contacted chime bank where I thought I had a bank account which is what I was told upon the account being opened. However the account did not ever seem to work to cover cost for payments. I would always seem to be being scammed after this account was opened by chime since the account was first opened years ago. Once found out I was a victim of fraud and identity theft, I notified chime that I was a victim of fraud and identity theft as I had been notified, chime representatives verified my identification that I had to upload as well as my complaint for concern that I had been being scammed through this account, loosing all my deposits and causing transactions to decline for non sufficient funds, that for years had been going on. I had not received any returns of my deposits or refund of my deposits that were never credit properly on the account. Chime verified the information and said I was correct and that they were closing the account for non compliance. They verified this through emails, I have them because it was the only way I was told I could speak with the escalation team that I was instructed by chime representatives. After contacting that department, they said that they would be sending 2 checks because they were closing the account for not being in compliance after I sent proof of my identity and supporting evidence of the fraud and identity theft that was happening. chime representatives escalation team in a email on XX/XX/2022 said that I would be getting 1 first check for the balance in my account which was XXXX and then shortly after I would receive a closing check with my deposits totaling {$17000.00} which is all my deposits for the life of the account as the email said, which was on the closing statement. However, it is now XXXX and I recently spoke with a Chime member who verified my account information and the checks that were to be sent to me were not as of yet but in several different emails I was told they were mailed and would be arriving in 5-7 days etc. The representative apologized and said that he was putting in a complaint and another request for the return of my deposits due back to me now that the account is closed. I am reporting this to the consumer financial protection bureau because of identity theft and fraud, I have not got the proper payments on account or have not been properly refunded or deposits returned to me from the account closings although I owe no debt or payments. In fact I am actually owed deposits and cash and things being held at this company that I have not received as of yet although I keep being told by this company I would by phone and by email. Most recently by phone with a chime representative who verified the information and put in the ; last report about this same thing I had been getting the run around about, sending emails, long times spent on phone calls yet no resolve. This is one of the experiences I have been having for years from banks or companies acting like banks I among convinced, yet bank companies that claim to be opening up accounts so that I can access my money or funds for payments for everyday use for large, small, retail, entertainment, food. clothing, payment processing, a payment account or whatever it is referred to by businesses, for me to access cash be able to meet demands and costs, funding or account to make payments etc. It seems no matter what bank or payment account I give my accurate information to, that bank changes my information, opening up accounts that would upon careful investigation not be in compliance as I have found out was happening with accounts using my personally identifying information to open accounts that have been causing Fraud to happen to me to cause me to seem like my account is insufficient, or to make me believe the correct checking account is being opened up so that I may access my funds for payments, when all along it was an improper payment account I end up with which actually is like a duplicate account using my likeness but mixing my information using my ssn # and attaching it to the account fraudulently opened causing me identity theft, that ends up with me being scammed out millions each year as well as out of my pocket cash on hand when I had thought the account opened by the banks were being opened to be able to make payments. The accounts I end up with act more like collection debt accounts even though I owe no debts, not bankrupt etc, yet after giving my accurate information to be able to open a bank account to access my money, My information ends up being reported inaccurate as accurate. the bank account declines is insufficient after my transaction declines I am denied, I end up being scammed for my deposits and payments, among other things that I experienced with checking and or savings accounts that are opened for the purpose of covering cost for payments of all types and account that would normally cover cost, demands, transactions for everyday purposes which is one of my benefits, Instead I end up loosing all my deposits after the accounts are eventually closed from what I have now found out is from negative and inaccurate information which are from accounts that are a direct result of the identity theft and fraud I and my children have been experiencing because of it, we are being left without anything not even away to pay for food as I should be able too to do no matter what the coat would be cleared sufficient because I have been verified and told this should not be happening. The account was closed and I have yet to receive my closure check for all my deposits. I have reached out to chime since I first ever learned about what was happening. Even after they confirmed and verified and said they took action by closing the account opened because it was not set up properly for me and was not in compliance, chime representatives said I would receive the closure check after the balance checkoff XXXX cents was sent shortly after I would receive the deposits of {$17000.00} I have yet to receive because it was apparently redirected somewhere else. I was told to call XXXX bank who told me to contact chime. even after chime said I would be getting the closure check. This is going on unfairly and I have yet to get any resolution or compensation or protection or enforcement to making it all right for me and my children who are being dome wrong and unfairly because of the false information being submitted by the same companies where I know I been a victim at who hold many money deposits due to me yet they seem to continue to get away with scamming me and leaving me with nothing and no way to make payments or receive money for day to day transactions because no body is doing anything about this. or enforcing change. whenever I try to my accurate information gets changed back inaccurate and I am back to going through the same thing never getting the justice or true real feeling of resolution or a way to recover from going through this. Now I can not even pay for food to eat. this has to be fixed immediately.