Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a chime account in XXXX of XXXX. I was not able to verify the date of opening or closure in the app due to the fact that once you close your account you can no longer view any information in the app. I set up a direct deposit of {$200.00}. 

First deposit : pay period of XXXX XX/XX/XXXX check date : XX/XX/XXXX Amt. {$200.00} Second deposit : pay period of XXXX check date : XX/XX/XXXX Amt. {$200.00} XXXX of second deposit : pay period of XXXX check date XX/XX/XXXX Amt. {$200.00} I called chime on XX/XX/XXXX regarding the return of my {$200.00} direct deposit on check date of XX/XX/XXXX. I spoke with XXXX and she advised me that a check was mailed two days prior which would have been the XX/XX/XXXX. that I would receive it at the end of the month. Putting the funds well after the 7 to 14 days or even 30 days after the account was closed. she provided me with a ticket number XXXX for the call that would be record of what we had spoke about. 

Called chime again on the XX/XX/XXXX : asked if there was a tracking number for the check that was mailed so I could verify. The gentleman said he could not find an account. This was after I had provided him all of the verifying information for the account. I offered him the ticket number he told me the generic it takes 30 days I explained again the account was closed maybe that is why he couldn't find it could he try the ticket number I asked to speak to a manager due to the fact I wanted to verify if the check was in fact mailed at this point I had no proof to even know if it had been mailed at all. I asked why it took so long to refund my deposit of {$200.00} after the account was closed I asked to speak to a manager he refused several times to let me speak to a manager finally he put me on hold after several minutes he came back and said he needed to verify security of the account which I had already done in the beginning by providing my first and last name My address and my email along with my last four of my social. Frustrated I ended the call. 

Called Chime XX/XX/XXXX : Spoke to XXXX. When I called the phone system recognized my phone number and stated the name on the account. The account was then verified with the agent by providing my name, dob, address, email, last 4 of social. After the agent confirmed this information he then assisted me with the account issue. 
I advised him that I still had not received my refund check. I provided the ticket number from my initial call. I explained that when I spoke to XXXX on XX/XX/XXXX she advised The deposit refund check was mailed out XXXX days before my phone call which would put the date to XX/XX/XXXX. He stated that that was incorrect and he didn't know why she gave me that date. Now the date had changed. He stated the check was mailed XX/XX/XXXX. I believe I was given this new date to avoid any penalties I was advised that refund of deposits was done 14 days after account is closed. Process takes 30 days. He stated the account was closed on XX/XX/XXXX XXXX. I advised him if that was the case it was still over 14 days. He then stated he was going to count the days and he started counting the days out loud and the next thing I know the phone call was dropped he hung up on me. I then received an email that my issue had been sent to another department to assist me. In the Header it states my account is not verified please complete a full account verification. This is untrue, the Chime phone system recognizes my phone number associated with the account when I call! 
I have called 3 times and each time I receive different information and the date of the check being mailed has changed to suit there time line.still no one can provide me proof that a check was mailed. I still have not received my {$200.00}. It's past 30 days now and still no check. 

I am including three pay stubs two of the pay stubs show the direct deposit of {$200.00} each one of the pay stubs shows the return of only one of the {$200.00} deposits another of my check subs are showing proof that chime collected to {$400.00} for direct deposits from me.

Company response to consumer: Closed with explanation