Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXX I received an email that stated my account was on hold by chime. When opening my account I was never asked for any identification documents so I called chime where they requested the front and back of my drivers license. I let chime know that on hand I had my Alabama dept of corrections government issued identity card and could send them a picture holding it. Which they requested from me, once I did that they stated they would not accept it so I told them I go home every Wednesday through Friday and would send the documents on Wednesday. On XX/XX/XXXX I sent the requested documents multiple times while the representative kept saying the system wouldnt read them. I asked her what would need to be done and she ended the call on me. I sent my drivers license, social security card, and a copy of my water bill. As you can see this is very personal information so for her to end the call then I receive an email saying my chime account has been closed makes me very suspicious that someone in chime is stealing money. I have about XXXX XXXX dollars on this chime account and never had any suspicious activity on my account for chime to do this. I am requesting that chime send me a check with my money from the account. I have been trying to reach Chime for XXXX months requesting my funds back, but it seems Chime will only respond when I report them to the CFPB. I have my identification ready for chime to review. I will not allow Chime to keep my funds as they do everyone else. I spoke with Chime today on XX/XX/XXXX which Chime advised I am not eligible for a refund however, Chimes terms and conditions state that Chime can not legally hold any of my funds. I am listening that quote here. " You will be notified of any change in the manner provided by applicable law, rule, or regulation prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Checking Account or this Agreement at any time. 
You may cancel this Agreement by calling XXXX ( XXXX ) to close your Checking Account. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. 
If your Checking Account is cancelled, closed or terminated for any reason, you may be eligible to receive the unused balance be returned to you via check sent to the mailing address we have in our records. For security purposes, you may be required to supply identification and address verification documentation prior to issuing a refund check. Allow up to XXXX ( XXXX ) days for processing of the refund check. Your check will be mailed to you to the address on file after it is processed. In the event the program is cancelled, closed, or terminated, we will send you prior notice, in accordance with applicable law, rule, or regulation. Specific information and instructions, including how to receive any remaining Checking Account balance, will be in the notice. We reserve the right to refuse to return any unused balance amount less than {$1.00}, unless required by applicable law, rule, or regulation.