Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
back in I believe they said XXXX of XXXX I took a XXXX XXXX advance, I have not had direct deposit or access to XXXX XXXX in over a year and a half or longer always says unavailable so I never click on it. in all of this time was never notified by email, threw application, or by phone or mail about an outstanding balance of XXXXXXXX XXXX for XXXX XXXX  advance. I've had numerous funds in and out of my account in all of this time nothing taken or garnished out. until end of XXXX for XXXX $ that was sent over to my account for my other half for stuff for our kids, was taken then beginning of XX/XX/XXXX same thing happened again. I had contacted customer support about it got transferred all around to people and asked how is this legal and how are they able to even do this then I was informed about a previous balance that was owed in a new terms and conditions that went into effect that gave them the right to take my money. they said there was nothing that they could do to reverse it and that pretty much me and my family were beat and there was nothing they could do. fast forward 4 months later XX/XX/XXXX I see a notification just for my available balance as it does every day but it says that the {$140.00} was in my account. so I went and clicked on it and seen there was a XXXX {$40.00} in that chime refunded me back the {$140.00} they refunded me back to to XXXX XXXX payments the two service fees and then a courtesy fee of I think it was {$6.00}. after this happened I just called and asked to make sure that this wasn't going to happen again I didn't know that I still owed the balance until now last week of XXXX first week of XXXX XX/XX/XXXX. I clicked on the XXXX XXXX  which still says unavailable and it said that I owed {$140.00} still so the money that they already took and had for 4 months they now refunded me 4 months later after telling me there was nothing they could do and now I'm entitled to pay it back again. now for the second time I did not get any updated terms and services or conditions I did not agree to anything I did not sign anything. I contacted customer support to make sure that an incident like this isn't going to happen again because I stopped using my account pretty much since and they reassured me more than once and I have screenshots to prove the first conversation I had the other ones are audio recording which somebody would have to get a copy of that this would not happen again. even their automated bot system on the phone and stuff says that it has to be a qualifying direct deposit to repay the XXXX and it's the same thing the one representative told me that they can not touch it from my regular funds I can opt to pay that back in and do it manually but if my other half sent me over money they would not take it. now on XX/XX/XXXX my other half sent me over our last {$50.00} to get my XXXX son diapers and wipes the last of our money instantly I went to go use the card after she sent it instantly was gone and garnished I went and clicked on the XXXX and now it said that my balance was down to XXXX something dollars. so it did exactly as I feared and what I was trying to make sure didn't happen and it took out that last of our money that we needed for my kids I contacted customer support I got told by two of them they should be able to reverse it and then was on the phone for over an hour and a half to talk to four people and kept getting transferred around the last one was a supervisor who got nasty with me and hung up on me and this is not the first time that this has happened after telling me there's nothing they can do again. we lost power now for a few days so XXXX days later now I'm calling them back explain the whole situation again and again they're telling me that there was an updated terms and conditions that chime had to was in the wrong and had to refund back the money for the XXXX but after XX/XX/XXXX they can now charge your accounts or anything else for it so it's pretty much the first thing that they did that they got in trouble for all over again and revised. once again for the second time I did not see a copy of anything I did not get a copy I did not get asked to agreed any new terms and conditions or sign anything on paper or XXXX signature. and I tried to call them to resolve it again to get the money back for my kids things and again I'm going to need the exact same run around there telling me that there is nothing that they can do. the other thing that I had said is that this amount was already paid now for 4 months my money couldn't get put back in my account then so that should already be paid off there was {$9.00} that was owed on the balance before they refund back the money. now it's back up to {$140.00} and I have to repay back that money and I even asked today if I would close out my account right or not this would get held against my credit report and I got told yes when I asked and I have the messages still to prove it the screenshots. I got told that no it will never affect my credit report I also asked the representative today I said any other credit company that gives you a credit that you owe notifies you in more ways than one to get their money and then two after you pay that balance they do not give you those funds back it's wiped off so I want to know how is it that what they're doing right now is legal to me. because my first question also was is how do I know that this is not going to be a revolving door and this will keep happening the balance gets repaid then it gets refunded back and if I take it out now I still owe that balance back again. I have proof that could be submitted if need be again the other things I need to get copies of from chime bank themselves. this matter to be resolved I would like compensation for the XXXX months that that money was taken and held and then send back to me after I tried doing something since day XXXX that had happened and got told there was nothing I can do. when clearly there was something that could be done or they did it to enough people that it was not legal and something was done about it same reason why they would have to refund back the money and also send a courtesy on top of that you only send a courtesy fee if you're in the wrong that's the acceptance of fault for wrongdoing. I also tried to make time aware about this that this way not only does it not happen to me again but it does not happen to other people who do not understand it or who are not going to call in or fight about it I'm only XXXX of probably thousands or millions that they could be doing this to and taking money from illegally. now again to have this resolved I would like my money refunded back to me I would like to be compensated and I would like that removed off of a balance that I owe or have anything to do with any of my credit reporting and especially taking off of the chime account and then I would like to close my chime account most likely. I've had times for a good while now I had no issues with them until now this past year of XXXX to XXXX and I would like to close my account today but if I do then that {$140.00} is getting put onto my credit report and I'm not having that done so I'm kind of forced to have my account open now until this is settled or taken care of.also again XXXX basically being forced to have my account open now after being told it will never behold against my credit report, that I was right and it would be if I was to close my account out today it would be reported against my credit. so I'm also not happy with all the misinformation that I've been told numerous times over this past year.

Company response to consumer: Closed with explanation