Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

I am a XXXX XXXX formerly homeless XXXX  XXXX  that had a Chime checking account that they abruptly closed on XX/XX/XXXX. They said their policy was to hold the money in the account for 30 business days before releasing the remaining balance by check in the mail. I finally recieved a check on XX/XX/XXXX. I tried to cash the check at 4 banks and at least a half a dozen places that Chime member services said that would have no problem cashing but none would or could cash the check! On XX/XX/XXXX Chime agreed to cancel and reissue the check but as of today all I have gotten was multiple hours lost trying to get them to actually reissue the check. I have several emails stating how sorry they are and promising that I would receive my closure check in 3-5 business days.Due to the many unfulfilled promises of expediting my check in anywhere from 30 business to 3-5 business that never came I signed up for the USPS informed delivery that scans and keeps tracking and traveling information on every post for my street address from the first time it is posted until it reaches my mailbox. Nothing has came from Chime or it's processing center since I activated this postal service. The closure of this account so abruptly just before my first holiday season in a home and their repeated failures to reissue the check has caused horribly hard financial strains on me that have just kept snowballing bigger and bigger. The {$300.00} that is owed is nearly a third of my monthly XXXX benefits of {$1000.00} that is my only income. Trying to keep up with the added fees from the tiny multiple cash advances that was needed to get me through until my next direct deposit have kept me so financially burdened that I couldn't take any more advances to pay my rent when there was a glitch with my direct deposit last month so I was evicted from my home. I had been emailed by Chime at least three times stating that I would receive my closure check in time to pay my {$300.00} portion of the VA HUDVASH PROGRAM through public housing but it never arrived so I was forced to vacate my house. This was my worst nightmare of being forced homeless again as I had just finally been housed in a beautiful home in a safe walkable neighborhood after nearly ten years of being a homeless XXXX XXXX XXXX The added stress has adversely affected my health causing worsening XXXX XXXX and more XXXX either of which could literally cause death. The Chime member services was made very aware every time I called that this has been going on for almost 5 months, that the stress is affecting my health causing serious risk to my wellbeing and life itself in addition to putting me at immediate risk of being made homeless again but they only started hanging up on me. I would very much like to know how I can file to be compensated for the loss of money in fees, my home, health risks and relocation fees. I have copies of the emails and should be able to get call logs from my phone carriers to show the truth to my efforts to resolve this issue on my own. I sincerely thank you for your time and effort on my behalf as well as for any advise as to how to get my money and financial stability back after nearly six months of going through a nightmare of this magnitude.