Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AL)

I am using a dictation software therefore, some of the words may not be legible. I am accusing Chime of money, laundering and fraudulently linking accounts to my account and hiding the information from me. Also, Im accusing Chime of changing transactions after the dates that the transactions actually occurred. There are items that have changed in the account months later, after discovering this chime began to hide the overview of transactions. I could log on, but I could not see how much money was actually in the account. Also access to the mobile app which displayed a virtual card was hidden from me from. I would use a browser to access the account Chime tblock access through the browser saying that I needed to identify myself because of some illegal login however, I have been using the same login for over a year same devices. The the XXXX redirects to prevent hacking. Chime policy is that if strange behavior is noted and the client did not conduct this behavior, then you are to change your password initially, I did not change my password because it was the same login information. Chime proceeded to lock me out of my account therefore I changed the password. I was allowed to access my account to change the password. Get a new password and then was locked out of the account by Chime stating strange behavior. If there was strange activities on the account, I should not have been allowed to change the password to the account, so now, Chime has blocked funds that I needed and Chime is using a card that I had canceled previously after the card was supposed to have been canceled. Im sent an email and a text asking. Did I make a purchase with a card that was no longer supposed to have been active on my account, when I called and spoke to an agent, I was told that the card was active, and Chime was opening and closing the card giving access and it was not me because they had blocked me out of the account. I get notifications showing activity on the account and yet I was not able to access the account that belongs to me and no one elses name is supposed to be on the account and no other account is supposed to be linked to the Chime account however, I was still getting notifications showing activity on the account chime now wants me to submit ID and a selfie to gain assets. However, the policy says that I can be verified a certain information my name my date of birth, my Social Security number the address that is on the account I verified and gave chime a copy of ID and a selfie and Chime is still saying I need to be verified and I can not assess the account through the browser or through the app without giving them more personal information. I have given them all the personal information that their policy requires, I do not know where it is legal for a bank or banking service to block access to your funds and still conduct activities with your account. I Am alleging Chime is engaging in money laundering I am Alleging they are receiving stolen checks and I am a Allergy that chime Is illegally linking accounts to customers without their knowledge and receiving stolen instruments and using customers accounts to disperse illegal money. I am alleging that Chime is engaging in piracy and theft of funds through customers who have no idea what is really going on in their accounts.