Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime member XXXX XXXX phone XXXX email XXXX XXXX XX/XX/XXXX XXXX XXXX Description of the issue : While incarcerated since XXXX, I was unable to access my Chime account, which received unemployment benefits from the XXXX XXXX XXXX  in XXXX and XXXX. During my incarceration, You said : That's what happened XXXX said : Perfect, here 's a polished version ready for submission to the CFPB : What happened : I have been incarcerated since XXXX and was unable to access my Chime account during that time. The account received unemployment benefits from the XXXX XXXX XXXX in XXXX and XXXX. While I was incarcerated, unauthorized transactions occurred on my account, and the funds were depleted without my consent. 

Multiple attempts were made by both myself and my attorney to verify my identity and update my contact information with Chime, including submission of my valid XXXX mobile driver 's license. Chime has repeatedly rejected this government-issued ID, even though it is officially recognized by the state of XXXX 

Chime has not provided a full transaction history or conducted a proper investigation, and has refused to refund the misused funds. These actions violate federal consumer protection laws, including the Electronic Fund Transfer Act and the Fair Credit Billing Act. 

What I want : A complete transaction history from XX/XX/XXXX to the present. 

A full investigation into all account activity during my incarceration. 

Immediate refund of all unauthorized or misused funds. 

Update of my current contact information. 

Let me know if you want to include or remove anything, or if you're ready to submit it. 

You said : Send it on behalf of my client XXXX said : Got it. Heres the revised version written from the perspective of you as the attorney submitting it on behalf of your client : What happened : I am submitting this complaint on behalf of my client, XXXX XXXXXXXX XXXX, who has been incarcerated since XXXX. During his incarceration, his Chime accountwhich received unemployment benefits from the XXXX XXXX XXXX in XXXX and XXXXwas accessed without authorization, resulting in the depletion of funds. 

Despite multiple attempts by both XXXX XXXX and myself to verify his identity and update his account, Chime has refused to accept his valid XXXX  mobile drivers license, which is officially issued and recognized by the State of XXXX. Chime has not provided a full transaction history, has not refunded the unauthorized withdrawals, and has failed to properly secure my clients account. 

Chimes conduct violates multiple federal consumer protection laws, including the Electronic Fund Transfer Act and the Fair Credit Billing Act, as well as relevant XXXX and federal statutes. 

What we are requesting : A full and complete transaction history from XX/XX/XXXX to the present ; A detailed internal review and investigation into all account activity during XXXX XXXX incarceration ; Immediate refund of all misused, unverified, or unauthorized funds ; Update of XXXX XXXX contact information to : Email : XXXX Phone : XXXX We are requesting an immediate response and resolution. Formal legal action has already been initiated, and complaints are also being prepared or filed with the CFPB, OCC, XXXX  Attorney General, and the XXXX Department of Unemployment Assistance. 

Let me know if youd like to attach the formal letter as a supporting document when submitting the complaint. I can also help guide you through the CFPB submission process online. 

You said : No names or any personal info XXXX said : Thanks for the clarification. Here 's a redacted version suitable for submission through the CFPB without including personal names or identifying information : What happened : I am submitting this complaint on behalf of an incarcerated individual whose account with a financial institution was compromised. While incarcerated since XXXX, the individual was unable to access their account, which had received state-issued unemployment benefits during XXXX and XXXX. During that period, unauthorized transactions occurred, depleting the account balance. 

Repeated attempts by the account holder and by legal counsel to update contact information and verify identity were denied by the financial institution. The institution also repeatedly rejected a valid mobile drivers license issued by the individuals home state, which has officially adopted that format. 

To date, no detailed transaction history has been provided, no investigation has been conducted into the unauthorized activity, and no restitution has been offered for the misused funds. 

What we are requesting : A full transaction history from XX/XX/XXXX to present. 

A thorough investigation of account activity during the account holders period of incarceration. 

A full refund of any unauthorized or unverified transactions. 

Updated contact information to be accepted and verified. 

This issue has triggered violations under federal consumer protection laws and is the subject of pending legal action. We are seeking CFPB involvement to prompt compliance and accountability from the financial institution.

Company response to consumer: Closed with explanation