Consumer complaint received 2023-07-14
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received this email from chime withno details of the transaction. They think they can just take people 's money. This is complete robbery and unprofessional. A class action lawsuit should be filed. 

Account On Hold HXXXX XXXX, Chime has identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity.

Please see below for further details and instructions on how to submit an appeal to this hold.

What Happened During routine monitoring of accounts on Chimes platform, we identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime account. 

What We Did A hold has been placed on your account. 

How This Affects You This hold will remain in place until the origin of the funds deposited can be verified. Unfortunately, you will be unable to use your Chime Visa Debit card or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : Identity verification documents Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 
Proof of Address ( such as a utility bill ) Written explanation Explanation for the origin and intended purpose of any cash funds recently deposited to your Chime Checking Account Explanation for the origin and intended purpose of any funds recently deposited to your Chime Checking Account via third-party cash transfer apps ( such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. ) Explanation for any other unusual deposits to your Chime Checking Account that you may have received As much documentation as is available and applicable to support your explanation Some items which may verify the origin of funds loaded to your account : Receipts, invoices, paystubs, work orders, bank/earning statements, etc. 
Some items which may verify the path of funds from their origin to your Chime account : Bank transfer statements, withdrawal statements, receipts for cashed checks, etc. 
Expected Timeline for Appeal Review of your appeal will typically be completed within two business days of receiving all verification items. An update will be provided on your account status once this review is complete. 

Please note : Additional items may be requested after initial review if your appeal does not sufficiently explain the unusual activity in question. The timeline is typically extended by one to two business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team

Company response to consumer: Closed with explanation