Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have chime and with chime they have a savings account and it lets you create different categories. Sunday night I looked over all of my savings and checked my rent, gas, car insurance & grocery categories. I had {$500.00} in rent, {$140.00} in groceries, {$40.00} in gas, I took the {$140.00} that was in car insurance out and transferred that to pay the bill. There was {$700.00} in the money for mom category, {$30.00} in WiFi, Im not sure what was in power as I took money out of that a couple times ; once for power and once for extra grocery money. There was {$25.00} in the car category, nothing in travel, nothing in phone bill. I went to the grocery store Monday around XXXX pm, as I was in check out I was going to move my groceries money & thats when I moved {$30.00} out of power ; in the process of that I noticed that it said there was only {$230.00} in my rent. I instantly panicked and as soon as I paid & got my groceries in the truck, I started calling chime to get it figured out. That night the guy I spoke to told me he couldnt see what category it got taken out of. Although previously before Saturday afternoon it would show me what category money was transferred from. My phone ended up dying that night while I was waiting on hold. I figured Id wait till the morning to call back which was today ( Tuesday ). I called back this morning talked to someone and got transferred to the correct department ( so I thought. ) they then told me they could see where it was transferred out of as in the categories. He kept putting me on hold and acting suspicious of me as if I took my own money. After that he looked deeper into the transactions reading the numbers of accounts it was moved out of. Was telling me how this was weird and that I never moved money out of my rent account. He told me that Sunday night I had atleast {$1600.00} and some change in my total savings all together. He then put me on hold then just hung up on me. I called back, spoke to someone new and explained everything again and he told me that he can see a withdrawal of {$1000.00} from during the weekend which was very alarming to me as I never transferred {$1000.00} nor did I withdrawal {$1000.00} from any account. He then continued to ignore saying that. After he ignored it he apologized for not being able to help & told me there isnt any transactions showing where the money went to and told me i transferred my money and theres no transaction of it. I said how in the world would I move my money and have no transaction of it but every other transaction is there? He kept laughing at me and telling me he doesnt know. I told him the money is missing theres no transaction or documentation of me moving any money out of the rent category. I would not be calling if I moved it but I havent. I move that money to my checking account once a month so I can go get a money order to pay my rent which typically I do XXXX days before its due. Never this early in the month. That guy continued to laugh and tell me he doesnt know there isnt any documentation of the money being moved so he cant do anything. And thats when I decided to just go take all of my money out of my account so I do not have to worry about them taking anymore of my money & saying they dont know what happened to it.

Company response to consumer: Closed with explanation