Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am filing a complaint against Chime due to the following sequence of events, which I believe constitute unfair, deceptive, and harmful financial practices. 

Summary of Events : My Chime account was closed on or around XX/XX/year>, without explanation. Repeated requests for clarification were denied, and I was told only to read the Terms & Conditions '', which I did and ended up being left with additional unanswered questions regarding the closure of my account which still has an unpaid cash advance loan that I electronically agreed to make installment payments towards every month and only 1 payment had been made, as well as a " XXXX '' balance of {$99.00} due to chime as well which both are amounts I have been willing and attempting to pay in full. 
Before the account was closed, I was told I would still be able to repay both my loan and SpotMe balance without issue. 
When the second installment loan payment became due, I found that XXXX system blocked all repayment options and no options were available since the account was now closed. 
I contacted Chime support multiple times however the last time I spent over 3.5 hours on the phone, was repeatedly transferred between Merchant Services, Fraud, Account Services, and multiple supervisors and provided the same information over and over with no resolution.

- I have several parts of this call recorded, as i often stopped recording during times of silence while on hold.

The final supervisors interactions with me are the most necessary to be reviewed : During the last hour of my call during my conversation with the 2nd second supervisor I've spoken to, he informed me that : 1. My {$99.00} SpotMe balance was going to be forgiven and I would not need to repay any of that balance back to chime at all.

And 2. I was still responsible for the installment loan with chime however there is no functional method for me to repay my loan. As a result my installment loan would be sent to collections and reported to the credit bureaus, hurting my credit for the next 7 years even though I was calling to make the payment and was willing to pay my balance due ( inculdung the SpotMe balance that was forgiven over the phone and was recorded ).

And after I objected and asked for a solution, explaining that if it does get reported on my credit I would still need to call someone to make the payment to get it settled once in my credit report, the supervisor hung up on me after I had been on the phone with them over 3.5 hours which he was very aware of.

This installment loan has already appeared on my credit report, though no late payments or derogatory marks have yet to be added.

I have spent the last 2 years fixing and rebuilding my credit and my credit is currently extremrly sensitive to any negative marks that are added, which has the potential to spiral my scores down significantly, sabotage the two years of work I've been doing to being repairing my finances and future plans economically. I am deeply concerned that Chimes obstruction will soon result in negative reporting.

Addresses associated with closed account : Address at time of closure : XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX My address since moving is different please ask if needed. 

Requested Resolution : 1. A written explanation for the account closure. As this also now affects my credit score and I've still received no additional understanding as to why this has happened to an account I've had for several years.

2. A functional and accessible way to repay the full loan balance, or a written, signed confirmation from Chime that the loan has been fully forgiven, if repayment will not be provided as an option.

3. Assurance that no negative credit reporting will occur while this matter is being resolved.

4. Assignment of a representative with real authority to resolve this without further transfers.

The only screen recording/audio recording I'm attaching to this complaint is the final two and a half minutes of my last call with the supervisor. This was after three and a half hours of being on hold, transferred, and looped around by multiple agents. When he finally returned after an hour on hold, he confirmed I do have a loan payment due but said there is no way for me to pay it. He stated it will now impact my credit, even though I was actively trying to pay it during the call. He refused any further information and then hung up on me.

I can provide the full three and a half hour call if needed, though most of it is hold time, transfers, and contradictory explanations. The only other useful recording is the supervisor confirming my SpotMe balance would be fully forgiven. I can send that as well if requested, but I did not include it here since it is not part of the complaint and was resolved appropriately.

The screenshots are from my credit report. Right now the loan is still showing as paid on time and not late. If Im unable to make payments because Chime will not accept them, it will turn delinquent, and thats the core problem.

I also included 3 screenshots with the phone number, the California address, the loan number prefix, and the listed payment amounts. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation