Consumer complaint received 2023-12-14
Company: Chime Financial Inc
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I started a checking account with Chime, in late XX/XX/2023. I also opted for the Credit Builder secured credit card to start helping my XXXX score. The company I work for, XXXX, offers direct deposit, to be set-up in Workday, for paperless payroll and convenience. I selected and entered my Chime checking account as the elective account to receive the payroll, which is bi-weekly, on XXXX. My first two paychecks went through, no issues, to my checking account. The third pay date, XX/XX/2023, was deposited to the Credit Builder account, which I never designated or chose as a payroll election. The full amount, {$3100.00}, was deposited to Credit Builder. Now, if there was fine print that stated the Credit Builder account would be taking anything from my payroll, I never would have signed up for any product from Chime. I never saw or was able to review any language over this " option. '' I thought the action was severely wrong and immediately shut the Credit Builder down, through a Chime representative by chat, on XX/XX/2023. Payroll does come early with Chime, hence the XXXX date before the actual XXXX pay advice date. I noticed that as I checked to transfer funds back to checking before the closure of the Credit Builder account that this option was unavailable. My payroll was literally " trapped '' in the Credit Builder account, and the only access I would have would be through the credit card. The chat agent also never told me that once I closed the account, there would be a check mailed within 30 days with any funds in the closed Credit Builder account. This actually could be longer because there is a 14-day period to clear all transactions. Why would I ever knowingly let this happen? I NEVER WOULD, NOR WOULD I AGREE TO THIS FINANNCIAL SETUP. Also, I now have zero access to my payroll, which means missed car payments, missed utility and cell phone payments, late rent payments, and so on and so on. The repercussions of this action are endless. I finally have gotten in touch with several supervisors that have " stated '' they can expedite the return funds check, yet I have zero follow-up from these interactions. This has been after every interaction, usually by chat since XX/XX/XXXX  up to today, has been fruitless. They repeat themselves constantly and actually write, " don't worry, we love our customers. '' Its almost insulting to get that type of response. Each rep says they have to email someone to get this done. Who that someone is, I have no idea. I have been going through this now for eight days, with zero resolution. This is shameful upon any company and if any accounts are ever closed with remaining funds, a transfer or smoother option should be available, not a 30-day waiting and mailing period, essentially trapping all of my payroll or anything else that would have been in the account. I hope this gets a lot of attention, because the process is entirely wrong on Chime 's behalf.

Company response to consumer: Closed with explanation