Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
So because my account is not closed Im not able to screenshot my transactions, but I have a pretty good I know for a fact that I was not doing anything crazy with my account. I recently got my tax return and did not have my physical credit Card so I linked my virtual card to my chime and was moving money periodically to chime so that I could move it to my XXXX XXXX or use my chime card mind you I wasnt doing any crazy transactions a lot of them were basic XXXX XXXX XXXX XXXX XXXX ordering stuff for my grandchildren and child Etc. nothing outrageous whatsoever I recently withdrew some money from an XXXX ATM and another ATM not that long ago things of that nature not big amount or anything just a couple XXXX dollars both time nothing that would or shouldve flagged for anything crazy. Everything was fine with my card. I havent received any warnings or any indication from them that they had an issue with anything I was doing Today I want to log into time and its to check my balance and it signed me out and I thought thats weird but Im like maybe I use my other cell phone because I have a work phone and a cell phone and I have logged into my account from both devices before so I said maybe I sign into that Account on my other phone and forgot and it told me when I tried to login that my account is closed and I immediately panicked but not too much because Im like that must be an error. I havent done anything. Why would they close my account? I tried to call and get answers to the questions and the lady on the phone was literally quite rude. She told me that it was because of transactions or something about fraud now I want to pause. I am in my XXXX. I work hard for my money. I work at XXXX XXXX in XXXX as well as I do XXXX and I used to do XXXX XXXX And XXXX, etc. on the side. I am not in any sort of business to be doing any sort of fraudulent activities I have way too much to lose. I wouldnt even attempt to play like that. Ive been working hard the past couple years on my credit so I wouldnt take any chances or risk of that nature so at that when I get freaked out, she transfers me to a supervisor or a manager, and they tell me that they cant even tell me what transaction it was became an error from your system. Maybe your technology picked up a mistake and without thoroughly investigating it or possibly someone else on my account Ive made mistakes like accidentally left my card sitting somewhere or just a couple weeks ago I left my other phone at work for a couple hours on accident and had to drive all the way back from my home in XXXX to XXXX and my password is very easily guessable. Its 4 number 9s so basically I tried to explain that there could be multiple reasons why this is not correct because I know in my XXXX of hearts that unless one of the sites I ordered something from was fraudulent or did something crazy to me that I have not done anything wrong, but moving my own money around which you can easily verify that the places that the money is coming from and going to are also my own accounts theres also one XXXX XXXX thats my daughters, but I havent used it in a while as my debit card expired and you cant link credit cards to XXXX XXXX so I havent been able to send her money or vice versa. Therefore, I cant even say that would be the cause of it. This is completely absurd that they wont even give me proof. Im just supposed to trust and take their word for me committing a violation. Its really gives me the impression that theyre allowed to just say and do anything without giving legitimate proof and verifying the proof. Just saying because they say thats what happened thats what happened or say it is so and thats not really fair because it could easily still be a mistake a misunderstanding or an error on their end those happen the only thing they told me is that it was a transaction. They wont tell me what transaction what date its from or anything just that it was a transaction and again thats not really fair to say oh you violated, but we wont tell you how or when or even completely verify that you did violate by asking you questions or asking for details, they wont even allow me to show proof that I havent done anything or to try to defend myself. I feel I should be able to try to dispute that or argue/fight my case that I havent done anything wrong at least once theyre just going with what they say as the final say so which feels incredibly unfair considering Ive been banking with them since XXXX and been using them more frequently since the end of XXXX incredibly upsetting and I just wont answer or be able to argue my case fight for my account back because I know I didnt really do it all wrong at all. Those things will at least tell you what the transaction is or provide some information they wont even let me provide my own side of story I called and was hung up on she was really rude its like they wont even give you a chance to defend yourself or to argue my case they dont check emails, I cant login to chat because the account is closed

Company response to consumer: Closed with explanation