Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I contacted chime bank because their policy of not allowing the limit allowed for instant debit transactions to go up unless you set up a direct deposit from an employer of social security benefits. I tried speaking to them to have this lifted as it puts a huge issue for my own business dealing due to that I am an XXXX XXXX trying to get my XXXX benefits and I am paid by a transfer out of the company account to my chime account. They refuse to accept my deposits as income or direct deposit and refuse to up my limits to transfer from one account to another with debit cause I do not have a qualified direct deposit which is highly discriminatory to those of us who can not work a regular job and are not yet getting XXXX benefits to set up into a direct deposit account. To add to that, when transferring to any other bank from the business account the deposit is received and immediately made available. But chime has received my deposit, sent an email stating that they received said money but are HOLDING it for 5-7 days for the security of my account. And that if I had a direct deposit Id be able to get the funds sooner. Again discriminating against a hose of us who can not work a regular job and are not yet receiving XXXX benefits. I asked that they release my deposit as their system already sent me an email stating that they have indeed received the funds ( so its not as if they are waiting on the funds still ) but are still refusing to release the funds for 5 more days due to me not having the direct deposit that THEY deem acceptable. I am outraged and this is discrimination against those of us unable to have a regular job or who arent on a government program. And its grotesque. They need to be held accountable. I could understand if I opened my account less then a month ago. But Ive had this account for quite some time. I also am fine with not getting things like the spot me to overdraft said account without a deposit but these things they are doing are downright discrimination against those unable to work and who are still unable to get XXXX. Because they refuse to raise the limits unless a direct deposit is added when we can not add one. It isnt that they arent getting the $ on these debit transfers. Nope. Its that they arent getting the direct deposit of people so they know they are the main account a person has. Its not right. And its affecting MY ability to take care of my children and to do what work I CAN do while I fight for my XXXX. 

I am attaching 2 emails sent by choke telling me that a ) the money made it to the account.

b ) that the money would be available in my balance. Then they never gave it to me and left my balance at {$5.00}! Meaning I now have XXXX money to take care of my XXXX kids for the 5 days they are holding it for. I will also attach screenshot showing that its held for 5 days even though the system has deemed they received it and should have released it but havent due to my account having no direct deposit.

Company response to consumer: Closed with explanation