Consumer complaint received 2023-04-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime financial filed 3 unauthorized transaction disputes for me in the recent past and I received credit for all XXXX claims ( don't remember exactly how many unauthorized transactions that I had in total ). Going back through all the unauthorized transaction credits, I noticed I was still missing XXXX credits. I emailed chime support and told them about the XXXX others and asked them to add them again. I received an email from chime support the next day telling me they opened another claim ( claim # XXXX ). I had another {$2800.00} total in unauthorized transactions that has yet to be paid to me. Chime did not want to pay me back for the first three till I did a complaint with the CFPB and I thank you for all your help in getting part of my money back. but now I need help getting the rest. 

A few days ago I received another email from chime support that stated : Hi XXXX, Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. 

Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX If this is not your correct address, please update the Personal Information section in your Chime Settings now. 

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 Chime 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, ACH debits, and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

Sincerely, The Chime Team So now I have no idea of what's going on with my 4th claim ( claim # above ). Chime had no right to close my account. I'm the victim here and I'm being treated as the guilty party. I sent several email 's to chime support to ask about why they closed my account and they tell me the above over and over without actually telling me the real reason. They state they can not tell me more. 

I need my money back from the other unauthorized transactions in which I did not authorize nor did I authorize another to use my XXXX  Debit/ATM card. 

I also have been on Vacation in XXXX, XXXX ( out of country ) since last XXXX and haven't been able to talk to anyone in person. I've tried calling several times with no luck. The only contact with them has been via email minus getting lucky with the first claim that I filed. now when I call it says number is not in service when I try from a cell phone and I get a busy signal when I call from a land line.

Company response to consumer: Closed with explanation