Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

Dear, CFBP : On XX/XX/2023, I XXXX XXXX got on to my regular Chime Bank XXXX and attempted to upgrade my address to link my XXXX debit card to my Chime Bank debit and credit cards, that I've had for several years now. To pay my bills, like I usually do and what is a regular function that they keep on their app for customers to use, so I thought no bad business would come from connecting the two banks. However ; for some reason, several different errors message kept reading : " Unable to Link Accounts '', and to " Call the Chime 'Bank XXXX Customer Service Department XXXX, to get more answers and find out why there was so many error message sent out to me. So, I stopped trying to link my XXXX account to my Chime Bank and decided to physically go to my XXXX XXXX  and withdraw {$500.00} to put into my Chime Bank account through their XXXX Pay System. A transactions I have always done in the past, which is the only way Chime Bank will let customer deposit their funds into the system. Having the XXXX receipt in hand, I went home to pay my bills, never thinking or knowing that on XX/XX/2023 at XXXX Chime Bank would suspend and lock my money and account away from me. And its been 8 days since they refuse to unlocked my account, and return the monies that I just put in there after just making a simple financial transactions that would show up in their Chime Banking System and in my account, automatically, this is very suspicious to me. 
So I immediately went to call Chime Bank CSR department to find out why the account was suspended and locked before anyone inside their company would notify me, warn me of any fraud, or let me know why they could not get the needed information in a better and more timely manner, so I can pay my bills and buy groceries. 
After being on the phone with Chime Bank CSR, I realized that there were no fluent XXXX XXXX speaking agents and that all of them were working internationally and claimed they could not communicate with any higher-up management or supervisors. Yet I continue to convey to more than several CSR, that there was no fraud happening, this was all of my transactions, and that I need to speak with someone that can understand me clearly and that could deescalate this case for me, so I can feed my family and pay my bills. 
The CSR agents then just kept repeatedly sending me the same email messages, even after I sent all my personal information, they ask for over and over again to prove that I am myself, through their portal links, such as www.chime.com,, XXXX, XXXX, and a document link XXXX XXXX XXXX XXXXXXXX. 
The CSR agents can not answer the whys Chime Bank all keep taking me through the same email loops, asking for the same or similar information over and over again, locking up {$500.00} of my money, without acknowledging any of the information I have already sent into them, and continue to send me the same several random emails, asking for verification with no real follow through on their part. This is fraudulent and scammers behaviors. I have given proof of my identity, and Chime " Bank '' shut down my account, telling me that they would not give me my {$500.00} back. After they shut down my Chime account they sent an email asking for information from my XXXX XXXX, and that is raising many red flags for me. The way they are handling themselves is unprofessional, so I am making this complaint to resolve the problems I have with Chime Bank. I hope to remedy and deescalate these types of behaviors and get some proper answers as soon as possible, as well as have my {$500.00} returned to me as soon as possible.