Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have an open report so hopefully this doesnt mess that up however, some things have been added on since I filed my report and I feel as though they should be notated as well on XX/XX/XXXX of XXXX they close my account they as in chime financial institution/chime bank, who is ran by or through XXXX or XXXX XXXXXXXX. They closed my account due to suspicious activity or suspicious transactions without providing any further information as to what the transaction was when it was or anything which kept me from being able to confirm if it was me or not as this couldve easily been an issue on my account meaning someone had my information did something without my permission. They wouldnt even allow me to try to defend myself or figure out the situation because they refuse to provide any details which I understand that under certain investigations, they have to protect some information but that also makes it hard on Customer to be able to Figure out whats going on. It doesnt seem right to close an account if there was no real wrongdoing done where it was a misunderstanding or if someone else did whatever it was that flagged the account and it wasnt me in the first place. All of those things are very much possible and without having any more information as to what was supposedly done wrong how can I fairly defend myself appealed the situation or any of those things the whole situation seemed extremely iffy as Ive had chime since XX/XX/XXXX and been using my account pretty frequently as far as the last year to year and a half even much so got my last one or two tax returns and you use chime as a way for me to be able to move money around during so I never had any issues. I also do XXXX so I would move my money from XXXX to chime to be able to spend it that way did that for a while around a year or so as well as XXXX and I believe my XXXX or grub hub account I did the same and I never had any issues with that so Im not quite sure. Maybe it was the frequency of which I was moving money but again its tax season and I had my account for quite a few years so I wasnt expecting that me moving money around would not only cost suspicion, but be enough of the issue to close my account. I can understand investigating or flagging, but going ahead with the closure of my account for me moving my own money from different accounts doesnt seem right once you did your investigation you wouldve quickly found out that each account that I moved money to like out of time and a different account with my own account and any money I moved to time from a different account was also my account example credit karma or my primary Bank im trying to give his less details personal as possible however, I will/would gladly give up the name of the bank that I also moved money to and from time if needed Im saying all this because the only thing that couldve or wouldve been suspicious is me moving money quickly from one app/bank to another and again completely understand a temporary suspicion or hesitation, but a quick and simple search and investigation would show that every account somehow was still linked to me in one way or another, the only account that wouldnt have been is a cash app that I sometimes use for my child who would occasionally either provide me money or I would give her some money because she would help me do XXXX by helping me carry the heavy big loads that are sometimes done on certain orders so I would essentially share with her some of the money I made because she would take time out of her day to help Me other than that the other accounts where my account whether I was moving money to time or from time those were my accounts except for one XXXX XXXX I cant fathom how a search when Ive been able to back that up to where they understood that nothing suspicious is really going on here. Shes just moving her own money to and from different places either way they close my account without allowing me to fully explain or provide my screenshots because I do have screenshots of my XXXX with my chime card as the cash out card, same thing for both of my other banks that I used where you can literally see my old chime debit card number linked to those accounts and transactions from me moving money to or from time in my name, those accounts are in my name by the way, they would not allow me to provide that information because they call it on fraudulent activity or suspicious. Its like you dont get the right to defend yourself and you just have to take their word for it and what they say is what it is which seems incredibly Unfair. Thats like something happening while you have your back turned and someone else just deciding for you that it did or didnt happen without allowing you to put your two cents in or show proof of it not happening they just say oh well this is what we say. It is so thats what it is and no, you cant defend yourself and not only that, but were not gon na give you any more information regarding it. You just have to take our word that you were in the wrong and you cant do anything about it. I started to accept that. Im probably not gon na get my account back however I had XXXX dollars on my account when they closed it that check shouldve been issued to me by now so I called because it is now XX/XX/XXXX and checks typically arrive within a couple weeks once you mail them off regardless of where you send them from and they tell me that I am in eligible to receive it which again is beyond ridiculous because not only have they falsely and wrongfully closed my account but now theyre not giving me my own money back without giving me any sort of proof or details of why or what I supposedly did wrong with proof, I feel as though I should be owed some sort of proof that there was even wrong doing just taking their word for it because theyre the bank seems very biased and just unacceptable altogether. I understand you might not be able to give me every detail, but you should be able to say hey this was the transaction that caused the problem or this is what was done was it even you in the first place or does anyone else have your information? Have you noticed anything else suspicious whats going on because again what if it wasnt me in the first place what if it was a misunderstanding most banks nowadays unfortunately use artificial intelligence to do their random checks that they do for various accounts I dont feel its right that a robot or a fake human gets to do the check for my account and make the decision. Im not sure if they use a human to double back And check, but I feel as though if they did, they wouldve came to the same conclusion that Im stating here that obviously these accounts that Im moving money to chime from or moving the money out of time to are my accounts and its not random theyve been happening for a while now Especially XXXX. Ive been doing it for months on months, so Im just not understanding. Why trying to do this Ive been with them since XXXX. Im in my XXXX I havent done anything wrong and Im being punished and it seems extremely unfair unethical and unacceptable as a business professionalism and accuracy are the most important things and right now this is not accurate I would like my account to be reviewed by a human so it could possibly be reopened but if that is just out of the question, even though it shouldnt have been closed in the first place because I did nothing. I at least need my own money that I earned from XXXX, which I can provide the proof of me cashing that same amount of money out to my chime account before they closed it I need that sent to me. I earned that money With my own two legs and two arms doing physical work. It is completely not OK to withhold that money because you guys say that its suspicious activity just because you say it with all due respect does not mean that it actually is you guys could easily be wrong and you are Im coming respectfully as possible because I dont want there to be any problems, but I am not at all OK with you guys holding my money its not just about it being {$20.00} {$20.00} isnt much its the principle that you shouldnt even be OK with doing this because all it takes is a simple check and youll be able to see where the money came from it came from XXXX that I earned myself and cashed out which apparently I shouldnt have done because now you guys are trying to keep it for me I want a check issued in the exact amount that was in my account Before you closed it. I do not have to take this further, but I will because its wrongful and just simply not OK, especially when I have all of the proof that I need to prove that I earned this money correctly. Legally didnt do anything wrong. Nothing wrong was done whatsoever so I need my money that I earned back

Company response to consumer: Closed with explanation