Consumer complaint received 2022-09-05
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I had an issue with trying to use my card then I found out chime has suspended my card and cut it off due to a dispute. It took me trying to use my card to find out my card was declined and a new car was already ordered without my approval without my request. When I realize this I immediately contacted and they told me over the phone at the card was coming and should be there on the XXXX but it arrived on the XXXX I get a SSI check monthly and have been a customer of chime since 2017. Chime does not update their information so the phone number I had on file and the email address I had on file because of them to not being updated I was denied access to their online app so I can use the virtual card. At no time with my account suspended I made two phone calls Friday and Friday morning at XXXX XXXX. they actually by supervisor updated my phone number to where I have online access to the app. The supervisor updated my phone number I noticed {$40.00} taken out of my account to pay chime back I got up got me a drink sat back down my account was automatically suspended I could not access online no more. No I did nothing wrong to get my account suspended and evidence clearly points to my suspension only being suspended dude to the update of my phone number something they failed to do for 2 years and they still refuse today and I asked him everyday. So when I called and made a complaint they told me that the reason they suspended my account was something I did back in the referral Day in 2017 which is a lie it evidence points to the only time I count got suspended was after the supervisor updated my phone number they can not suspend my account from 2017 in my contract still be good but yet they accepted my direct deposit so they accepting me as a customer and lied about why they suspended my account since then I have called every day spoke to at least a hundred employees there since last Friday the XXXX just to be lied to every step of the way and there's been no customer service to help me out at all I thought I was under some type of protection because I'm XXXX XXXX XXXX and I'm on SSI and no one will help me I have a XXXX and they are picking on me and they deprived me my rights they had denied me my funds as of today and I still got {$40.00} out of my account and can't even report it that the dollars even if I owe them there's no documentation of them taking that {$40.00} out and there's no authorization for them to do it either but they did it I thought that they could not garnish anything out my check with XXXX but I don't mind paying them but they've been doing this since 2017. I don't know the law but I believe it if they suspend my account for something that happened at referral time in 2017 then that should mean the contract me and chime together should be canceled considered no and void but but I still refuse to give me any help refuse to give me any they have broken their own policy because they promised me good customer service and that they have my back and I got everything on fire by all the phone calls made a time and all the email addresses and now today on XX/XX/XXXX they have actually changed up what they want to do now they want more information something that they had not requested yet they want a photocopy of social security card to uplift the suspension all this time they've only wanted the last four digits and I got that on emails and on screenshots where the only thing they wanted was last four digits now all of a sudden they want to change I've done everything they asked me to do and I'm not being rude I just got a tremendous paper trail of where I got no help from employees or supervisors other than the one who updated my phone number I told him all right and where they are in violation and they don't honor none of it I'm supposed to be protected by the federal government and they think they are above that I need help to resolve this issue I can show you where they're wrong but let them show you that during my phone calls they built this case against them and I got proof that everything they say points to them not living up to their end of the deal like they say on they web page and I do know that they don't have the right to break the law to obtain the law what they did they are forcing me to take what they call selfies put my personal information on that all my personal information and send it to a place that I can't have access to contact they stop my due process they violated my rights to feel safe and secure and they go against their own policies just to violate my rights and spend my account I've done nothing wrong I never put another dime in my account that that was outside of of direct deposit from my SSI check I was under no investigation and they did not bring anything to my attention saying I violated anything at referral time what they did was accept my direct deposit so I thought they were sent to me as a customer they took the {$40.00} out of my account this month and did not let me have any access to not answer the internet access to my account or any kind of funds I was able to access my rights are being violated through the match cruel and unusual punishment Mass punishment differential treatment discrimination and many many more that I can prove if someone will talk to me they violated contract when they refused me to proper customer service and it's all on recording they violated contract when they turn their back on me when they clearly stays on their web page I got your back they violated the same contract we sign together just to violate me for some reason they got {$40.00} out of my account so that's evidence of theft and they won't even let me report a theft they're not supposed to garnish anything or freeze my account but they done both please help me I got a paper trail days all the way back to last Friday the XXXX of XXXX I'm sorry XXXX XX/XX/XXXX it started and I allowed XXXX XXXX to make the phone calls on my behalf because I have a XXXX he's made three or four to five to 10 phone calls a day everyday for us to have a paper trail to get to someone I got emails that has not stopped and I've been lied to even on the emails and I need help they continue to lie to me at the promise me a couple of hours of resolution I've been waiting over a week 10 days have been wasted do right process stop crueling unusual punishment cuz I committed no crime and I'm being punished to them extreme for that please help thank you XXXX. You can contact me anytime at XXXX XXXX XXXX and phone number XXXX

Company response to consumer: Closed with explanation