Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I received the following email from Chime on XXXX : Account Update 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 Checking Account will be closed on XX/XX/year>. 
Before XX/XX/year>, you are encouraged to transfer your funds out of your Checking Account. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/year> to the address we have on file for you. 
XXXX XXXX XXXX XXXX, TX XXXX If this is not your correct address, please contact us at ( XXXX ) XXXX immediately 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, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 
from Chime Questions? Were here to help. 

Chime 2024 Chime Financial , Inc. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you. 

Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX, Member FDIC. The Chime XXXX  Debit Card is issued by XXXX XXXX XXXX. pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX debit cards are accepted. 

This email was sent to you because you have a Chime account. 
XXXX XXXX XXXX XXXX XXXX receipt of this email, I contacted the customer support center. I spoke with representative XXXX, who validated my account and asked if I would hold while he researched the information on my account. He returned to the line and apologized for the issue but stated that he could not see any reason for the closure. He verified that the account was marked for closure on XX/XX/XXXX after some additional questions. He stated that something related to the membership agreement appeared incomplete but could not provide any details about what that meant. I asked several times if I had violated the member agreement, but he could not confirm that I had done so. I asked to be transferred to a higher level of support, which he agreed to do with no hesitation, and I spoke with a female representative that I could not understand the pronunciation of her name. She reviewed the account and stated the same information the previous representative gave regarding an incomplete " line '' of the membership agreement. Again, when I asked about this and what it meant, the supervisor could not provide any specific information and stated that the system had marked my account for closure. I asked to be transferred or given contact information for the department overseeing this decision. She again stated that no information was available in the system about the membership agreement or if a violation or other issue had occurred. When I pressed for additional details, she indicated that the requested information would not be available until my account was closed on XX/XX/XXXX. I asked to be given contact information for the department responsible for providing this information to customers, and she advised that no one at Chime would have that type of information. She told me there was nothing else she could do and suggested that she end the call and disconnect the call.