Consumer complaint received 2022-09-15
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX ( XXXX XXXX ) I've had Chime over 3 years if not 4 now and I'm having issues with them limiting my account and holding MY HARD EARNED FUNDS. They put " security measures '' on my account because I made ATM withdrawals ( Even though my DAILY ATM WITHDRAWAL limit was {$1500.00}, DAILY ) to purchases a car because I couldn't go inside a location to make a withdrawal. I got an email asking what I did with the {$7000.00} withdrawals in 60 days which was none of their business but I let them know I purchased a vehicle. Then they asked me the SOURCE of MY FUNDS when I CLEARY get DIRECT DEPOSIT! XXXX got another email saying my account was limited for " unusual activities '' I called and asked for a supervisor and after about an hour finally got XXXX she was very rude and unhelpful. After still not receiving an email from them on XXXX at XXXXXXXX XXXX. I called back and spoke with a XXXX ( not a supervisor but she should be! ) XXXX was more friendly and helpful than the supervisor even though she couldn't do much, she still typed up a support ticket for me # XXXX. My next step is lawful action. I will warn new comers when you try to email and call to get the issues resolved you only speak to XXXX in XXXX COUNTRY?? They keep telling me I can only email to get the issues resolved but no one is emailing me back and yall have almost 100s of Thousands of MY dollars and limited to {$100.00} a day now I can't access anything! I CAN'T PAY MY BILLS and NOW THEY'RE BEHIND! CHIME IS CAUSING MY FAMILY AND ME A LOT OF PAIN AND SUFFERING. If y'all need a bank account with NO FEES and LOCAL WHERE YOU CAN SPEAK TO someone FACE TO FACE. I HIGHLY RECOMMEND XXXX XXXX XXXX CLOSE TO HOME. RELEASE MY HARD EARNED MONEY CHIME! 

Sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am rejecting this response because : They've been saying they're reviewing my account since XXXX NOT XX/XX/XXXX. I called them on XXXX and I've sent them my passport card, insurance, and lots of screenshots.This company has suspended my account holding MY HARD earned funds I'm behind on bills I haven't been able to purchase FOOD nor GAS. They said it's suspended because I would put money in ( from MY SAVINGS ) and take it out. XXXX forbid I move money out savings and withdraw it from the ATM when my DAILY, get this DAILY ATM WITHDRAWAL LIMIT is {$1500.00}. They're asking the SOURCE of MY and I get DIRECT DEPOSIT. I sent another email and called them XXXX, and was told it by a supervisor, XXXX XXXX that I can only wait for an email when I said I would travel to a location to get this resolved FACE TO FACE with someone but she told me that wasn't possible even if I traveled to a location things would still have to be handled over the phone! This company needs to wire ALL MY FUNDS/MONEY in checking and savings to my new local XXXX XXXX XXXX account as soon as possible so if any issues about MY HARD EARNED FUNDS/money comes up I can speak to an actual bank manager FACE TO FACE. 

Sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am rejecting this response because : They've been telling me to email them for over 2 WEEKS now. Investigate what? Me using MY OWN money?! I've emailed them SEVERAL times and they don't get back to me. Its been OVER 2 WEEKS. MY BILLS ARE BEHIND. MY BILLS ARE BEHIND. MYBILLS ARE BEHIND. If they, CHIME, would get back to me and others like they get back y'all, XXXX, we wouldn't have these issues right now. I've been lenient and patient with Chime Financial , Inc. Chime Financial , Inc has cause myself and my family a lot of pain and suffering because they're hold my money and I can't pay my bills and they are behind. My patience and leniency has ran out. If this issue isn't resolved as soon as possible I will be contacting the Security Exchange Commission, Federal Trade Commission, and the Consumer Financial Protection Bureau ( Now that I think about it I should have contacted the CFPB FIRST, I will do that after I finish here! ) MY next step is to send an INTENT to SUE documents to Chime Financial , Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've been dealing with this issues for over 2 weeks. I couldn't do anything for my daughter on her birthday, XXXX, I'm behind on bills and this company is holding ALL MY MONEY in my checking and savings account, I have over {$74000.00} they are holding all of MY HARD EARNED MONEY and I've sent Identification, insurance documents, and screenshots. I don't know what else to do about MY OWN HARD EARNED MONEY but sue this company for a lot of PAIN and SUFFERING. RELEASE MY AND OTHERS HARD EARNED FUNDS CHIME FINANCIAL, INC! ESPECIALLY OUR VETS! I CAN'T EVEN MY FAMILY FOOD!!! RELEASE OUR MONEY CHIME FINANCIAL, INC!

Company response to consumer: Closed with explanation