Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NM

Complaint narrative:
I am writing to file a formal complaint regarding my Chime XXXX XXXX XXXX XXXX account and my Chime Checking Account, both of which have been suspended without valid cause. Despite completing identity verification and providing valid documentation, my access remains blocked and my funds have not been released. 
Account Holder : XXXX XXXX Chime Account Number : XXXX Date of Suspension : XX/XX/year> Due to the suspension, I am unable to view my current account balances, but I believe there was approximately {$800.00} in my checking account and {$400.00} in my XXXX XXXX account. 
Summary of the Issue On XX/XX/year>, my Chime account was frozen. I promptly contacted customer support and attempted to verify my identity. However, due to a broken back camera on my phone, I was unable to complete the verification initially. I resolved this issue by purchasing a new phone and transferring my number. 
Despite multiple verification attemptswhich all showed as " successful '' on my endand providing a valid, state-issued New Mexico Drivers License and a clear selfie, my verification has continually been denied without clear explanation. I spoke with a supervisor who then informed me that, in addition to my driver 's license, I would also need to provide a U.S. passport to regain access to my funds. 
This requirement is both unreasonable and discriminatory, particularly since many Americans, including myself, do not possess passports and may be ineligible to obtain one due to personal or legal circumstances. 
Impact on Me and My Family These funds represent my full financial aid reimbursement, which I deposited via cash at the XXXX XXXX XXXX. I have the receipts and supporting documents to prove the origin and legitimacy of these funds. 
At present, I am living in a shelter with my two school-aged children. Because my funds have been wrongfully withheld : I have been unable to purchase necessary textbooks for my classes. 
I have been unable to get my children to school. 
I have been placed under extreme financial and emotional hardship. 
Request for Immediate Action I am formally requesting : The immediate release of my funds in full. 
A written confirmation of either : Account reinstatement, or Closure of my account along with the return of all remaining funds. 
A written explanation detailing the specific reasons for the suspension of my account, especially after I have provided valid identity documentation. 
Next Steps if Not Resolved Promptly If this issue is not resolved within five ( 5 ) business days, I will be forced to escalate the matter by filing complaints with the following regulatory agencies : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) and/or FDIC State Attorney General 's Office Thank you for your prompt attention to this matter. I trust that Chime, as a financial institution, will act in accordance with federal banking regulations and consumer protection laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation