Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
I've been fighting to get back {$500.00} that was deposited into my Chime checking account from a friend back on XX/XX/XXXX. Chime had immediately locked me out of my account until I provided approved documents of identity. So i sent them 1 ) front & back of my current XXXX  XXXX driver 's license XXXX ) front & back of my XXXX  XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX and Utilities ( PUD ) bill with my name and current address. That was XXXX documents on their list of XXXX approved documents for verifying identity. But because my Social Security card wasn't included they denied access to my account! I didn't have my SS card the time and besides i provided XXXX approved documents verifying my identity so why was my {$500.00} still frozen? Fast forward to XX/XX/XXXX. I have been going through a lot of unfortunate events which lead to losing my home of XXXX years, been unemployed due to health issues and been homeless for over a year. So I decided to check my into my CHIME account and make more attempts to recover my frozen money. When i logged into my checking account, my checking balance was {$0.00} and savings was {$210.00}! I was confused why there was only {$210.00} available and why money was in my savings as I never deposited any money into my savings. After further investigation, i Notice on my Chime checking statements that on XX/XX/XXXX there was an " ADJUSTMENT '' in the amount of - {$300.00}. And that's all the info i had on that transaction! My XX/XX/XXXX bank XXXX said that the {$500.00} deposit was split into XXXX sums on XX/XX/XXXX ( just XXXX day after i initially tried gaining access to my account but was denied ) {$200.00} into my Chime savings and {$300.00} my checking ( which i never authorized ). This whole time they never told me My funds were available for me to access. But Only had access to roughly {$210.00} in my savings ( it had {$12.00} more because of accrued interest from sitting for about 2 years ). That's when i began to file a claim on the - {$300.00} " ADJUSTMENT '' to my checking account. I fought back and forth with the support department until XX/XX/XXXX when i finally got a email from Chime claims department with solid answer about my {$300.00}, where it was and how i could recover it. The agent said that the {$300.00} that was in my account was transferred over to XXXX  XXXX unclaimed property for safe keeping. Then began to instruct me on how to recover my money. I checked XXXX XXXX unclaimed property and entered my name into the search portal for the money and came back with no unclaimed property in my name. I filed a claim then immediately emailed Chime with my IRS claim document attached to prove it was not there! It's now XX/XX/XXXX and Chime still has not resolved this not even tried to communicate with me on this matter! I also pointed out the fine print located at the bottom of every Chime bank Statement that if any amount of money disputed in a claim was not resolved within XXXX days, the disputed amount would be deposited into the account so I had access to my money while they investigate. Well i don't think i really need to point out the obvious here, but it's been WELL over XXXX  days and I still have not received any amount. But even an update on this matter! It's been going on for about XXXX  years! PLEASE HELP ME GET MY MONEY BACK...

Company response to consumer: Closed with explanation