Consumer complaint received 2022-02-07
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As today, XX/XX/XXXX, my neobank Chime in which ive had for over XXXX years sent me an email this morning stating the following : XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( XXXX ) days of XX/XX/XXXX to the address we have on file for you. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. 

If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Checking Account balance prior to issuing a refund check. 

If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, XXXX debits, and recurring debit card payments may be rejected after XX/XX/XXXX, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

Kind regards, The Chime Team This completely caught me by surprise. I have absolutely everything sourced from this bank. I pay all my bills, my direct deposit. Absolutely everything. The email message is extremely cryptic. No one from Chime will answer any questions and refuse to even talk to me. I have absolutely no idea what happened. I have lost access to all my money in that account, and i have no clue what to do. This is absolutely insane. I haven't done anything unethical or illegal. Im an office manager for a medical practice who works full time. Im amiss, completely perplexed. Whatever is going on, or whatever Chime thinks is going, is NOT. I deserve answers. I deserve to be heard. I do NOT deserve this type of erroneous banking decision to negatively affect my life when i have not done anything wrong. I want to my money and to understand what the XXXX transpired. This is wrong and they should not be able to get away with this. I need THE CFPB to step in and do something. Ive been googling what has happened to me, and its happening to alot of people. Its time the law got involved. Do i need to hire a lawyer. I have a great level of ambition for taking on social injustice, and i have no problem working with a lawyer to begin a class action lawsuit assuming one is warranted. I really think that the CFPB Needs to focus their attention on this banking institution. Something very unethical is going on at Chime, and it needs to be addressed immediately. Please i need your help. I honestly have no clue what is going on and i know i have done nothing to cause my account to close like this.

Company response to consumer: Closed with explanation