Consumer complaint received 2024-11-12 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 would like to file a complaint against Chime for the XXXX  anguish they have put me through after closing my account on XX/XX/XXXX. I received an email on XX/XX/XXXX stating they closed my account for going against direct deposit agreements and that they would send me a check for {$1700.00} to the address that they had on file. I advised them at that time that I had moved and I provided them with the correct address. The representative stated that she would forward the request to the specialized team to get my address updated. The same day on XX/XX/XXXX a representative from chime named XXXX contacted me requesting documentation with my new address on it so they can prove I live there that way they can send me the check to the correct address, I provided them a utility bill. I emailed them back asking them if my check could be expedited because I just rented a new home and I wouldn't be able to pay my rent, ( which my landlord issued me a 10 day notice to pay or they would threaten to file eviction on XX/XX/XXXX, just the day before Chime closed my account ). but they stated because the balance was under {$2000.00} the check could not be expedited. I called back almost a week later to check the status of my check, and a representative apologized and told me the check they sent dated XX/XX/XXXX was sent to my old address and that she would forward the request to update my address to their specialized team. On XX/XX/XXXX I received a check from chime Check Number : XXXX. I went to Check XXXX in XXXX, IN, in which they cashed the check in the amount of XXXX. On XX/XX/XXXX XXXX called back and stated the check was returned for fraud and that they would be filing criminal charges against me if I didnt take care of the balance. I called chime and they stated they would have to froward a request over to see why the check was returned to their specialized team. A member from their team contacted me named XXXX on XX/XX/XXXX requesting that I send in proof of the check being returned. The same day, I uploaded the photo to the link that XXXX sent. On XX/XX/XXXX, XXXX from Chime responded and stated '' Upon checking, there is a reissue check issued on XX/XX/XXXX. Based on the photo you provided, the check date is XX/XX/XXXX. The check has been processed and printed. It should arrive soon to the address we have on file. '' It has been well over 30 days since XX/XX/XXXX and I still havent received the correct check. I then contacted XXXX back and let her know that " if she takes a look into my account, you can see that they corresponded with me apologizing, stating the check dated XX/XX/XXXX was sent to my old address and that Chime stated previously that they would be voiding the check and processing me a new one and sending the new check to my new address XXXX because I didn't receive because I no longer live there. I provided a utility bill proving my new address. I then called to check the status a few weeks later and you guys advised me that a new check was sent on XX/XX/XXXX to the new address at XXXX XXXX XXXX XXXX XXXX. So does that mean you guys lied when you stated the first check dated XX/XX/XXXX was mistakenly sent to my old address? Why would you guys lie? Now there is XXXX obviously confusion between both checks. I only received XXXX check I haven't received anything dated XX/XX/XXXX. '' I didnt receive a response back. I then called chime and tried to get an update and the representative advised that they had to forward an email to the specialized team who would be contacting me with an update. I received an email omn XX/XX/XXXX from XXXX at chime stating, " XXXX XXXX, Welcome toChimeMember Services. I am more than happy to assist you today. 

I understand that you were expecting to receive the closure check for yourChimechecking account. I can imagine how important this matter is. Rest assured, I am going to provide all the details about it. 

I want to offer you an apology. I checked into your account and noticed that the closure check was still pending. Do not worry, we carry out the process of sending the check again correctly and safely so that you can receive it without any inconvenience. 

But don't worry, your closure check has been processed and printed. It should arrive soon to the member 's address we have on file. 

Please, remember that it takes up to 30 business days for closure checks to be reissued and arrive at their destination. This thorough process takes place so that we can make sure that everything is up to date in your account and your money will get to your hands safely. 

Thank you for your patience with this process. 

Please, do not hesitate to contact us again if you have any other questions. 

Best regards, XXXX XXXX XXXX. '' I have not received a check dated XX/XX/XXXX and I am about to go to jail for cashing a fraudulent check that Chime sent me. Chime will not speak with XXXX, as XXXX from check smart reached out to chime, but their representatives will not provide XXXX any information. I should not have to suffer for their XXXX XXXX and I will be filing a lawsuit if I have to pay out of pocket for cashing an incorrect closure check that Chime sent me. I now have tried to respond to XXXX 's email to me today XX/XX/XXXX, however when I reply, their automated response says they do not monitor that email and to not reply, and that the fastest way to reach them is by phone. However, when I tried to call their customer service number, they keep stating their specialized team will have to email me, but if they don't monitor that email how can I respond? I don't even have an account with Chime anymore and I am still dealing with this issue. I need a response and would like the check with the funds to be sent to my address so I can take the correct check to XXXX and pay them back what I owe for cashing the very same check that Chime stated was sent to my old address. The checks obviously got messed up and I haven't received the new check that they keep stating was sent.A representative named XXXX emailed me again today XX/XX/XXXX at XXXX asking for my new address again, Ive already given the address several times. Chime keeps giving me the run around. Their policy states that the check will be mailed in 30 days and all they do is lie to me.

Company response to consumer: Closed with monetary relief