Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Held over XXXX dollars and after XXXX  day mailed me a check for XXXX or less. 

In XX/XX/2022 Chime decided to close my XXXX accounts by notifying with an email only I contacted Chime several time via the phone and email. Because this was a huge surprise to me, I was told I had violated a policy or something, but they would never tell me why as did several other people at chime. Chime also held all of my money for XXXX plus days and still wouldnt tell me why my accounts were closed and felt very victimized by thisI had not money to pay bills, or a checking account, But chime did not care nor were they being accountable to why they felt their actions were just.. I also still do not have access to any of my past records with Chime, which I needed for tax purposes, but Chime feels that they have rights over my records, and do not have to give them to me. It has been almost a year and I still do not know what violation I supposedly violated to justify closing my account or access to past records on the accounts. I want to know what violation and proof that I violated it. If in fact, I am fairly confident that I have not violated any policy, which I am almost XXXX percent sure I have notthat any and all negative reporting to agencies that Chime report this negative info too be completely removed! I also want to know why and I want access to ALL my pass records on the XXXX accounts. I would like to know what would be an the explanation for holding all my money for XXXX  days while knowing it was causing me major problems and affected me negatively in many ways and what would be an appropriate compensation for the banks lapse in regulationsand violated, which is public info regarding chime losing a legal law suit for just these same things you did to me, but after Chime lost. everyone knows XXXX was being sued at the time for illegally closing peoples accounts and holding funds of customers, for whatever reason and was found to be at fault for these same or similar issues. My accounts was handle in the exact same way that Chime just lost a law suit to, AFTER.So, I would like all my questions answered please, and resolved. Respectfully I sent this email today : I would like to know why you closed my account XX/XX/2022, when I asked back then I told i violated some policy, but NO ONE could tell me what that was, as well as, Chime didnt have to tell me. So again, legally I also want to know why I still do not have access to any of my past records, and why my accounts were closed without any proper notice or explanation.and then held my month for 30 days before you released it!?!? legally I have every right to my records, as well as XXXX should have access to my pass payment history of the credit boost. So what are you going to do to rectify thisI am now fully ready to move forward with XXXX to take legal action against Chime, for not following anyCFPB regulations. I have filed a complaint with the CFPB. 
Respectfully,

Company response to consumer: Closed with explanation