Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I have made my final efforts to understand and put this matter to end with Chime Bank illegally taking my {$38000.00}. I have sent requested documents since XX/XX/XXXX, and they have yet to release my funds. This bank harassed me to send my documents and take selfies in which I lowered my banking standards and sent them a selfie of me holding my temporary Georgia Issued ID which is issued by XXXX XXXXXXXX before we receive the hard copy. I have told many representatives about how their representative by the name of " XXXX '' tried to have a personal relationship with me and may have hacked my information to have someone pretend to be me after I denied helping her son. My funds have been sitting in this closed account since XX/XX/XXXX, and the only response I receive is ( After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the section titled Amendment and Cancellation in the Chime Deposit Account ). Well, I read their agreement and it states that chime has the right to refuse to issue any remaining balance less than {$1.00} which is not the case in my situation. There are many reasons I can take chime to court for this neglect, but this would be considered {$38.00} to the taxes I have paid. I have explained the issue over and over about a Chime representative named XXXX who was calling my phone for personal matters, and I received no response in regard to that violation, so I let this bank continue digging their own hole. I have been advised to reach out to the federal authorities in this case as Chime have claimed there is a violation somewhere with my funds and their internal policies which should have been reported to the Federal authorities immediately or they are committing the act of theft by taking along with money laundering by the response I'm receiving from their support team which has no live representatives. If me overspending my hard-earned funds are not in compliance with Chime 's internal policies that give them no legal right to put my {$38000.00} in a no refund status as if this was a PPP loan or credit builder account. I am a perfectly sane individual who received this direct deposit in XXXX of XXXX and had to pay taxes on my funds. I have no problem with this account being closed but Chime bank is committing a major act of money laundering which will be reported if my funds were found to be unauthorized and they are holding illegal funds on a closed account generating interest under my name and not being reported to taxes. If this is not settled immediately, I will have the appropriate government officials to investigate Chime support team and Chime bank under the Federal Law for financial companies committing money laundering and I have everything documented and recorded.

Company response to consumer: Closed with explanation