Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> I received a email from Chime stating my account had been restricted because they detected unusually activity. When I gave chime a call they stated that this was temporary and would last up to XXXX. When I asked them why they said it was an internal and a system issue and they could not tell me why! And when i continued to ask questions they talked over me and hung up in my face. I spoke too XXXX different agents that told me the same thing and hung up in my face once again. After the hold was up they unrestricted my account on XX/XX/XXXX and I thought that I was all good too go. I received a deposit from my job on my cashapp account. And thought i could proceed as normal to use machine account so I cashed my money from my cashapp too my chime bank account. Immediately after doing so, chime proceeded too restrict my account once again! Only XXXX mins of being unrestricted. Of course I contacted chime once again, they informed me of the same scenario that they couldnt tell me where the suspicious activity was coming from I would have too wait ANOTHER XXXX too obtain my money or use my account. I asked was I able too prove my identity in any way shape or form they told me no! That i had too wait the XXXX. That there was nothing I could do. I even asked to speak too a supervisor or someone who could give me this information as its my money, they told me no, no supervisor was available and even if so theyd tell me the same thing. And proceeded too hang up in my face once again. So at this point I wait out the XXXX once again. And on XX/XX/XXXX i get another email saying they completely closed my chime account with all my funds in it, {$1400.00} to be exact. So, again! I called chime to explain this situation too me and they told me that due too chimes regulations and the suspicious activity ( which they couldnt explain where it came from ) they closed the account. And I asked how would i receive a refund they informed me that itll go back too the source and whatever was remaining would be sent to me in a check form. Then proceeded to hang up in my face, i called AGAIN! Talked to another agent who told me the exact thing but i told him the address listed wasnt the address I currently resided and if he could take down the address so its sent to the correct place, he did so and told me everything was updated. So at this point its a waiting game. But something still was not sitting right with me, so i called chime again on XX/XX/XXXX to see which source the funds would be going to so that I can at least be on the lookout, I got in contact wjth the member service department at this point who informed me that the address was never changed and it was still my old address listed. He then transferred me to the correct the department and this agent told me that i was not eligible for a refund and couldnt tell me why couldnt tell me anything! I continued too hit dead ends, no one assured me or helped me in anyway!

Company response to consumer: Closed with non-monetary relief