Consumer complaint received 2023-08-10
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XX/XX/2023, I decided to move all my money of the sum of {$6600.00} from my checking account with XXXX XXXX XXXX  ( which I opened while I was in XXXX  school at Tennessee ) by initiating a ACH transfer to my Chime account to settle some emergency family needs. I initiated the transfer by connecting my XXXX XXXX XXXX  checking account with my Chime account via the Chime app and I received a notification email acknowledging transfer initiated. Surprisingly, the following day XXXX of XX/XX/2023 I received an email of Account Closure Notification : Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your Deposit Account Agreement, and we will close your account as a result. Your checking account will be closed on XX/XX/2023. Since then the ordeal began. I have made countless of calls to the support and directed to send emails to their review and support teams which I did numerous times. Oftentimes when I ask which part of the Deposit account agreement did I break, I get the generic response " For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits ''. 
I provided all the items they requested for verification listed below : photos of front and back of my driver 's license, photo of my social security card, Utility bill for proof of address, bank statement from the XXXX XXXX XXXX  showing the transaction of transfer to Chime a proof I own the account, my workplace ( XXXX ) badge, written explanation about the origin of the deposit ( XXXX ) to verify that I am the intended recipient. After numerous calls with Chime customer support and getting response from a different agent of Chime member protection team almost every single time based on e-mail signature and many times being asked for the items I already provided, I still could not resolve the issue. On XXXX of XX/XX/2023 after XXXX months of back and forth communication, I got an email saying : " XXXX XXXX, Thank you for reaching out. I apologize for the inconvenience of this situation.

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

Please let us know if we can assist you further or give us a call at XXXX '' At this point, I want to believe Chime is fraudulent because I don't know how they will close my account and at the same time seize my legitimate money in it. If they say they can not verify the source, I think the right thing to do is to return the money to XXXX XXXX XXXX  where the money was transferred from.

Company response to consumer: Closed with explanation