Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (TX)

On XX/XX/2024 I opened up a Chime account shortly after I opened up my account, I requested XXXX dollar from my sister to see if my account was working after she paid the XXXX dollar she sent me {$2700.00} of the money she owed me. The first thing I noticed after opening my account was that was that I had no virtual card. It said that my card was being shipped and I can use my virtual card in the meantime, but when I clicked on my virtual card, there were no numbers available for me to use so I had no access using my virtual card so I called two times to speak to someone about removing funds off my Chime. They told me that they would fix the issue in one to two hours and I should be able to use my Chime after a few hours have passed I tried to send money {$500.00} through chime to my fiance chime did not allow that transaction to go through. I also tried to send my sister back the {$2700.00} chime would not let me do that. I called again to chime to try to figure out whats going on they told me I could connect my chime card to XXXX XXXX or XXXX to get the money off the chime. I try to put {$1000.00} on XXXX and as of today it has not been put on the card Had a hard time getting the money off. Chime so I connected my checking account to Chime so that I could transfer the money to my bank account. On XX/XX/XXXX when I got up to check my account I had gotten an email and a message on my Chime app saying that my account was closed and I should call the number provided if I didnt agree. I called the number to speak with the representative. There was a language barrier, and I wasnt able to understand what he was saying. I asked him several times can I speak with a supervisor or someone that speak better? He refused to put me on the phone with anyone he kept telling me to refer back to an agreement about cancellation. I asked him several times why was my account closed and where was the money that was in the account and he told me I wasnt eligible for a refund and he doesnt know why my account was closed but I should refer to the cancellation agreement, the reason why I am filing a dispute with Chime is because I contact them several times yesterday, and they kept suggesting different ways of getting the money off which led to my account being locked. I am disputing with Chime because of the money that was taken out of my account {$2700.00} was taken out of my account from Chime and they told me I wasnt eligible to get my money back and did not give me a valid reason why I couldnt get my money back as of right now Im not sure if {$2700.00} is missing or {$1700.00} is missing because I did send {$1000.00} to XXXX but it has not reached my account yet so Im not sure if that was canceled because my account was closed. my account wasnt even open for 24 hours when they decided to close my account and steal the money that was in there with no explanation as to why. I have not committed any fraud. I have not did anything illegal with my account when I looked online to figure out what was going on. I found a lot of complaints about Chime stealing, peoples money and not returning it. Chime will not give me any information about my account about my money that is missing when I called the first time the representative said that he will create a case and get it escalated to a different department so they can help me. he also gave me a case number XXXX he said someone will contact me within 24 to 48 hours but when I called back the second time, they said there was nothing that they could do and theres not a way I could dispute what had happened to me. Im very disappointed because I felt like chime could be trusted. This is not the only digital banking that I do and I have never in my life 44 years of life have ever a bank has been responsible for stealing money out of its consumers accounts, closing the account and keeping the money And theres no one that I can speak to or talk to that I can dispute these transactions. So I would like a all of my cash to be replaced by Chime.