Consumer complaint received 2023-03-07
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a CHIME customer before this initial issue I was with them over a year in XXXX of XXXX my IRS tax refund was deposited on XXXX into my chime checking account over a month later they suddenly suspended my checking account causing my monthly deposits to be returned when I address the issue with chime and sent them everything they asked for over & over & over again for weeks into months now almost a year they still kept sending emails saying they need these same documents! I had a refund from XXXX for buying a pool for over {$1000.00} dollars but chime said when the account is suspended or closed the account can no longer receive deposit refunds withdrawals & such so XXXX kept trying to refund this money to chime after several tries XXXX called Chime begging them to allow this refund to go back into this suspended account CHIME allowed this transition after telling me they wouldn't except any money that wants or needs to go into this suspended account going against their OWN RULES after they sent my pay deposits back in this case making it even HARDER for me to get my money from XXXX which XXXX went against me by refunding my money to a suspended checking account after months of waiting for them to figure out another way to give me my refund back this has been almost a year chime has had over {$1300.00} hundred dollars of my money and simply refuses to give it back I have over 70 emails going back & forth sending them countless forms of my state I.D pics of me hold SSI card bills with current address even receipts for XX/XX/XXXX pool purchase I have given them everything they have asked for in the formats PDF they asked for and still they send the same email asking for these documents that they already have had in countless emails I've emailed CHIME about closing my account and they send the same email I've asked too speak to supervisor nothing this has been going on since XX/XX/XXXX they waited over a month to suspend my checking account by saying they feel my IRS refund was suspicious & they have to suspend my account until I proved where XXXX deposit came From and so I did sending XXXX IRS TAX TRANSCRIPT I have every email I have sent too CHIME to verify this claim there isn't one thing they have done to help me or give me my money back they have went against their own rules of not excepting any deposits refunds & such to my suspended account and went behind my back to except a refund from XXXX while my account was suspended which happened in XXXX of XXXX 3-4 months after account has been suspended there is NO EXCUSE CHIME CAN GIVE ME for this horrible customer service they have stolen my money of over {$1300.00} hundred dollars and still almost a year of disputing this with CHIME XXXX XXXX here we are still nothing they robbed me someone please help me I need my money back I live on a fixed income I have tons of proof that I acted in a timely manner and provided them with all the documents they asked for PDF formats and never got suspension off my account so that I may have access again to my account because of them I almost was evicted because they sent my monthly deposits back but yet excepted a XXXX refund against their rule they won't even let me close my account humm could it be because my money 's not I'm my account anymore because they took it there has to be a LAW there breaking by doing this I just want access to my checking account to get my money please this has went on long enough I proved & provided who I am that this is my account and did what they ask and they have robbed me of my rights stealing my money of again almost a YEAR OF XXXX they are putting me through HELP PLEASE XXXX XXXX XXXX

Company response to consumer: Closed with explanation