Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
So I deposited a {$250.00} check my granny let me borrow to pay for a lawsuit I want to file and used the chime mobile app to perform the check deposit. In the past I have deposited checks from my granny Id say around six times I a years time from {$75.00} to {$350.00}, with no checks ever bouncing and when I deposited the checked even though it said a later availability it was always available to me immediately until this time, the time I really needed it. I understand holding the check for a day but for them to hold my check till Friday XXXX est and I deposited the check at XXXX pst, is ridiculous on a number of levels. First is you floating my check and its obvious to see your using it to make a little extra money but the way your doing is at the expense of my life and my money that you wont let me access but your using it for your gain. Next is that I have a history of depositing checks from my granny and never was there a problem and Ive never had a check bounce in the two years Ive had the account so why now. And thirdly chime is betting cancelled after this time. How are you gon na hold a check for five days and actually try to justify it as its for my safety and protection to hold my check for that long or any length of time. I dont have check problems when I deposit a check I have supreme confidence the check will clear and Ive never had a problem of bounced checks. But your just gon na boldface lie to me and tell me your withholding my money that I actually need because Im trying to sue my ex employer and Im unemployed and part of the reason Im suing them is my denied unemployment and not only do you say I cant access it til Friday when I need it yesterday, you tell me holding my money is for my safety. I really take that as a sign of disrespect and you rubbing this whole situation in my face like your poking the bear and dont expect me to react. I just wan na go on record that is holding of my paycheck is helping me in negative ways and nothing positive is coming from holding my check with the exception of what chime is getting with my money. To say your protecting me and my account by doing this is a false narrative and if that is what they describe holding you check XXXX they need to be sued for lying saying its for our protection and not being able to explain why your check is actually being held and the customer service agent I was chatting with said XXXX grannies bank is withholding the money but I just seen my granny call the bank and confirmed the money was sent to chime and I called out that agent and he made some lame excuses and I asked him how often he lies about stuff like this that and he basically told me all the time but not directly but indirectly. I asked if he thought its cool to being playing with peoples money and indirectly he said he basically doesnt care. So yeah chime you not only have some of the worst business ethics out there and your staff embodies your attitude on how to mess up someones personal finances but also the what you gon na do about it attitude makes me wish you had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of a manager for this weak stuff your pulling

Company response to consumer: Closed with explanation