Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I opened a checking account with Chime on XX/XX/XXXX. I ordered a debit card and was waiting for it to arrive. I noticed I misspelled my name so I immediately emailed Chime to inquire about this being corrected prior to shipping my debit card. I received an email back instructing me to contact Chime by phone as this is the only way to update personal information. I contacted Chime at the contact number provided in the email ( XXXX ) XXXX ). After briefly explaining the issue, the representative assured me that the correction could be made by simply verifying my identity. My identity was verified, and the correct spelling of my name was confirmed by the representative. On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX I received a {$500.00} transfer from my brother, I was hesitant at first because it was a new account ; however, my brother was transferring the funds from his Chime account so he assured me that it would be fine no need to worry. I was okay with it because I needed to fund the account anyway. Well, XXXX and behold, on XX/XX/XXXX I woke up to an email informing me that Chime has reviewed and closed my account. I am not sure why they felt the need to review because there was only XXXX transaction from the time I opened the account until closure exactly XXXX days after opening. I was reluctant about leaving that amount of money sitting in Chime, but I left it there to start building a savings. I contacted Chime on XX/XX/XXXX to inquire about the sudden closure of my checking account, and I was told that I violated account opening procedures. When I asked for clarification of the violation because clearly they told me they verified my identity, I was told due to the nature of the violation they could not disclose any information and proceeded to tell me, he was hanging up now. So I said no sir, I have questions about my {$500.00} that was sitting in that account. He informed me that I was not eligible for a refund and a check would not be sent to me and successfully hung up in my face after stating to me that he will no longer speak to me and hes hanging up now. I called back and got a different representative who basically told me the same exact wording as the first representative. My brother and I called together and was told by another representative that my brothers transaction posted to my account successfully so theres nothing they can do about returning the funds to his Chime account. That representative also informed me that she could not disclose specific information about why my account was closed other than I violated account opening procedures. She also stated that I was not eligible to receive a refund for the funds that were in the account at the time of closure. I continued to contact Chime every day for a week to be told the same exact script I was told the first time I contacted them on XX/XX/XXXX. I was blocked from accessing the app. I have not received any further written or verbal communication from Chime. I have not received my {$500.00} either. I think this is illegal and should not be permitted to happen to anyone. If they want to operate like a bank, they need to understand that banks can not just close accounts and claim their customers money as if it belongs to them. I dont owe Chime XXXX XXXX XXXXXXXX so for them to just close my account and steal my money, is diabolical! Close the account, thats their prerogative, but return the funds that dont belong to them. I would be labeled a thief. So whats the professional word used to describe their actions? Doesnt matter! In the words of the LAW, thieves!

Company response to consumer: Closed with explanation