Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Chime made many promises to refund fees on my account but never kept their word. Just repeating promises to do it. Then they wouldn't. Then I had fraud on my account. Chime closed my accounts. They made it extremely difficult to get my claims processed. They would request more info from emails that could not be responded to. I know they can send emails that do allow response. I've gotten those too. But they never sent those to me when requesting info for my claims. They'd only come from emails that sent me back automated messages about no response was sent because the email doesn't allow it. Then hang up on me or refuse to help me when I called. Then they would deny my claims. I got part of my money back from reaching out to merchants myself. I only received a part of those refunds before my accounts closed. And with no more account access to cross reference what payments still need to be returned, I have no way to confirm what money is still owed to me from the refunds I secured on my own. In addition, I requested a copy of the documentationused to deny my claims every single time. All I ever received was a copy of the intake document used to take the claim over the phone. Typically with only half the correct info from the interview. They also would immediately deny the debit card disputes that would require provisional credit if they needed more than 10 days. It was usually less than XXXX hours after reporting the claims. Not giving me any time to submit my docs. But they would leave the disputes open on my credit builder account because provisional credit was not required. Then make it impossible for me to cooperate and deny the claim with no valid documentation to support why. Only XXXX dispute was found in my favor. Just XXXX. My total disputes were for over {$3000.00}. The one found in my favor was just {$620.00} out of over $ XXXX Accounts closed XX/XX/XXXX. Dispute found in my favor XX/XX/XXXX. I have called and called and called and called. I've been told of escalation and promises of payments dozens of times. They sent XXXX checks that they canceled before arriving and I could not cash them. And I've been fighting for XXXX weeks now to even get the XXXX check issued. I get hung up on often when demanding answers. This is so unbelievably unethical. The XXXX I just spoke with kept repeating that it'll be received within 14 days of my last email communication, but refused to actually check on anything. I desperately need those funds. But I'm getting nowhere. Getting nowhere with my denied fee refunds, my unfairly denied disputes, and with my unfairly delayed account closure check. I'm including a picture of both of the first XXXX checks sent to me that I was unable to cash because they canceled them. I also included a couple screenshots of the automated responses sent to me when trying to provide additional details they asked for. What they have done has caused me so much harm.

Company response to consumer: Closed with monetary relief