Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I was using Chime Banking at XXXX point, and I ran into complications of a furlough, as well as other issues also in XXXX of XXXX. 

I filed for bankruptcy, but my job picked back up, and we started back to work around XXXX of XXXX. 

While banking with Chime, there were options for my pay, which is an advance that comes in increments that you can get towards your next pay with an XXXX dollar fee for using it. 

So to be clear, I would get my pay, and Chime granted this feature after you have used this pay, which would allow you to get small advances, and it has a limit based on your income and other factors to limit where it maxes out at. My XXXX was XXXX dollars, and once it is reached, then you are not allowed anymore until next payday. So once you are paid, it deducts the amount you have used and an extra XXXX dollars. I used this service for quite some time until issues occurred and hardship, which led to the filing of Bankruptcy. The debt or amount that I owe Chime is included in bankruptcy. 

I am currently in Bankruptcy, and the last time I used Chime, that {$160.00} did not get paid. So on XX/XX/year>, I was out of my local area and needed emergency cash and the person who could help me had Chime. I have used the account since this issue and neither has occurred, so I am thinking like well the XXXX  XXXX has them included so it would be okay to get an emergency advance to the account. This particular incident be a high priority ; the Chime account holders took the advance out of my account as soon as it was sent. 


I reached out to the customer service group and was eventually transferred to a supervisor. The supervisor said he understood that I am currently in bankruptcy and that the debt from the advance was added or included, and I could show him if necessary, so he asked me to hold. I did so after a short period of time, he came back and asked me XXXX question, and that was when the bankruptcy started, or when I filed, so I told him I am not sure of the exact date, but it XXXX be around XXXX. Still, I also stated on the call that if he gave me XXXX second, I could get the exact date. He clearly stated no, that's ok, and repeated to me around XXXX, you say, and then he stated I did not need to get the paperwork because it is NOT a matter of my telling the truth or not, but just to get the consultation done so he can get it reversed, but give him just a few minutes. 

Long story short, he came back on and told me yes, I XXXX be in bankruptcy but I am XXXX about other things, and I asked him to wait, whatever that is not clear. I am willing to provide documents to prove because I am stranded on the interstate away from home, sitting at a gas station. He tells me also no matter what I do or say they are keeping those funds and did have any concern about the federal law becuase I got the advance with intent and I asked the agent how could I know i was going to be put on furlough and also how could they collect the same debt twice with knowledge of it being covered in a legal proceeding to be paid he told me my srory did not add up and he only asked XXXX question so I asked what story when I offered and still would send in any proof needed even of the furlough at that date and the bankruptcy. So then told him, since he will not accept any proof, after stating there is no way to send proof in which was not true, I said I am going to record also because he was truthful and I will report this matter. I then asked him what the other reasons are that Chime Bank overrules the United States law of and he stated that they make decisions based on the information given. I said so, ok and the agent was not in the XXXX, would give me a name or any of the other parties that came up with the decision after telling me that he would reverse the charge after the hold.

Company response to consumer: Closed with explanation