Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX the IRS deposited XXXX into my chime account I was not notified nor did they send me an email of this deposit. I only know of this deposit because the IRS said it would be delivered on XX/XX/XXXXXXXX XXXX  when I looked at my account on XX/XX/XXXX it was in my account I immediately transferred is to my saving. The next day XXXX XXXXXXXX  I went into XXXX XXXX  so I wasnt able to do much on XX/XX/XXXX XXXX XXXX  my account was put on hold they sent me an email about that as well did they lock my account in ask me to verify myself which I did just as chime ask me to do. Then they asked me to verify my tax income with pay stubs, w2 or statements in I followed those instructions along the way they asked for more and more information like transcripts then said that doesnt proof anything then chime support trys to ask for the those same files over in over I continue to send them from XXXXXXXX XXXX XXXX XXXXXXXX. Then chime started to ask for all my files n paperwork on all four transactions that had been deposited into my account between XXXX .which I had to explain to them that I had file my taxes for the last 3 years ( XXXX ) this year ( XXXX  ) and that I could give them all the information they needed it would just take me some time due to me having to get it from the person who filed my taxes but she was in the hospital for serious illness and I also tried to explain to chime all that was going on. They sent me an email back saying okay we understand can you send us your whole tax file for XXXXXXXX XXXX XXXX and I kept sending that to them from XXXX XXXXXXXX XXXX in after sending all that they said my account didnt comply with guidelines when I opening the account which made no sense to me. On XXXX XXXX they emailed me back to let me know that chime was closing my account. I immediately replied back asking what about my last transfer from the IRS well that be return to me, chime said no but if I provide my XXXX tax return file that chime will return it to the originator ( on XXXXXXXX XXXX ) which is the IRS. I replied back with my XXXX tax return file on XXXXXXXX XXXX they replied back on XX/XX/XXXX I was unable to get a return. I couldnt understand why there was no fraudulent activity which my paper work nor my deposit so I told them I would have to contact a lawyer or the IRS because I know my rights. Then chime emailed me back on XX/XX/XXXXXXXX XXXX XXXX daying I wasnt getting a refund but they would be sending all funds back to the originator. I later went to contact the IRS they said they would make note of this and also open a case for them to return it within 60 days. On XX/XX/XXXX I contacted chime again to make sure they had already sent it back they replied back saying my accounts was eligible for a return which frustrates me so I try to see whats the issues why did they say they would now they cant?. Then XX/XX/XXXX they say the funds have been sent back to the IRS and I need to contact them to see whats going on. Once again I contact the IRS they say they havent received it and to call back in a week or so. After I allow them at least 3 weeks to process the money to the IRS I contact chime again to see if I could at least get a reference number for the refund to the IRS on XX/XX/XXXX they replied back that my money would not be refunded due to my account being closed. I then replied with all proof that they have already said they where refunding it to the IRS and not a check return to me in this is this an on going process

Company response to consumer: Closed with explanation