Consumer complaint received 2022-10-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I checked my emails like I always do in the evening and I had one from my bank, Chime. The email was for telling me my account had been closed. I had a credit builder account and a checking account. 
Well, right away I tried calling but I couldnt get thru, the only way you can get someone on the phone is by having an account. So I called my son who also uses chime and asked him to call chime 3way so that I could talk to someone. So I was able to speak with someone finally the second time we called and all they could tell was that my account was closed because I was not in compliance with the chime agreement. But I dont know what this means so I have sent them id say about 10-15 emails trying to get someone to tell me exactly what this means and what it is Ive done I let them know that I had lost my wallet with all my cards, including my SS and drivers license. I let them know that someone had been using my identity and was using my XXXX XXXX, XXXX and my XXXX to purchase XXXX I think it was. Anyway I was getting emails and notification on XXXX XXXX  from people requesting payment from me. i didnt know these people and didnt owe them anything, so I started chatting with XXXX XXXX and XXXX about these people requesting payment from me and they were going to investigate this and take care of it. Well I told chime this but they still stuck with the i was not in compliance with the agreements of chime. So right away on the XXXX XXXX of XXXX I called the social security office to change my direct deposit because chime had closed my account. So the lady I spoke with told me that because it was so close to the end of the month my check would still be deposited into the chime account and they would have to send it back to social security and then they would deposit it into my new bank. Naturally I was very upset about this, but when I checked my credit history in my new bank account mobile app, I was extremely mad!! These people reported that I left owing them {$160.00}! They put this amount in my credit history. 
There was no way I couldve taken this large amount of money from them because I didnt have overdraft privileges. They offer this account they call spot me With this spot me they start you off with {$20.00}, then they give you XXXX  {$5.00} amounts that you can give to five different people that have a chime account. So you give your XXXX  {$5.00} spot me amounts and then wait to see if any one of those five people will send you {$5.00}. If they do then your {$20.00} Spot me goes up to your {$20.00} plus however many {$5.00} amounts you get. And this is money chime gives you every month to give away to other chime members. The most I ever went up to was {$30.00}, but the overdraft was paid back as soon as your next deposit hit the bank. 
Ive tried over and over again to get someone to to tell me why theyre claiming that I owe them this {$160.00}, but no one tells me anything except I was not in compliance with chime rules and regulations. I think I remember reading in one of their emails something about fraud, in other words that I committed fraud. Im XXXX XXXX XXXX I m barely able to spell the word let alone do it or commit it or whatever the proper words are. 
Its like I told them, I dont play games with my money. If I had done what theyre claiming I did, I would have left their bank and changed my direct deposit to another bank way before they wouldve had the chance to close my account themselves, and had to wait on my money an extra week! 
Bottom line is this ; I DID NOT TAKE {$160.00} FROM CHIME AND I DID NOT DO OR COMMIT THE FRAUD THING THEYRE CLAIMING I DID. 
And one more thing, I have an email from XXXX stating that they paid a {$32.00} dispute to chime on my behalf, well chime never gave me this money and they didnt send it back to XXXX XXXX 
The screenshots of the email from XXXX are about XXXX Im not sure if I put them in the right order.

Company response to consumer: Closed with explanation