Consumer complaint received 2025-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: CA

Complaint narrative:
Starting XX/XX/XXXX I looked at my credit builder account i have with chime bank. I have had a banking relationship with them since XX/XX/XXXX. 

I have a checking, savings and credit builder with them. 

My social security death benefit gets direct deposited into my credit builder account every month since XX/XX/XXXX. 

So for 1 year, 4 months and 13 days. 

I have had consistent deposits from the social security administration. A government entitiy.

And they have gone from my credit builder to my secured account with chime.

their website states : Chime Credit Builder is a secured credit card that helps you build credit by making on-time payments. You can use the card anywhere XXXX is accepted. 
How it works Open a Chime checking account and receive an eligible direct deposit of at least {$200.00} Opt in to Credit Builder and complete the online form Move money from your checking account to your Credit Builder account Use your card to make purchases Pay your balance each month How it reports Chime reports on-time payments to the three major credit bureaus at the beginning of each month. Credit bureaus can take a few weeks to process reports.

How to manage You can move money into your Credit Builder account manually or automatically. The Safer Credit Building feature can automatically pay your monthly balance on time.

Who it's for Chime Credit Builder can be a good option if you're trying to build or rebuild credit, or if you're having trouble qualifying for a credit card. 

also their website states : 4. Its Not a Typical Secured Credit Card Secured credit cards usually require a minimum deposit of at least a few XXXX dollars to open an account. The deposit becomes the cards credit limit that the cardholder uses to make purchases. Secured deposits arent accessible to the cardholder until the entire balance is paid off and the account is closed. 

Chime is different. Cardholders dont have to make a minimum security deposit** to open an account. They can transfer money into their secured account at any time. Each transfer becomes part of the spending limit for the month. 

At the end of the billing cycle, the money transferred is used to cover all the purchases. Cardholders can budget and keep track of how much they spend, but it can get out of control if the cardholder frequently transfers money to make large purchases. 

XX/XX/XXXX, after a very long and traumatic XXXX of losing my kids to child protective services because my XX/XX/XXXXXXXXXX/XX/XXXX husband. Beating me up because his father hated me and didn't want happiness for his son and told him while i was pregnant with our first girl that i was cheating on him during covid. It sent him over the edge and he beat the XXXX out of me causing me to almostXX/XX/XXXX 
XXXX after a long 39 year fight against trauma, neglect, parent alienation, XXXX and XX/XX/XXXX. Then losing our XXXX boys and then subsequently our daughther being born end of XXXX and being taken to a foster home. And him being held accountable for his actions but not wanting to do the work to bring them home. And me being pregnant after my boys were taken by child protective services. putting me through literal XXXX. and watching cps take my daugther who almost died because of her dad 's actions. and going home to a empty house. a crib that would never be slept in, clothes and toys that would never be used or played with. 

All my husband left me was hisXX/XX/XXXX money and me filing for social security survivors benefits for myself and my children. 

My social security direct deposit being deposited into my chime secured account monthly for over a year. And i find that they'e been stealing money from me. I have never been so insulted or angry in my life. That chime could treat a customer that way especially a wife with XXXX kids to raise alone now. That has been through enough trauma for a lifetime. and steal money from her for their own satisfaction and to line their pockets? 

To date : I have had deposits of : XXXX XXXX XXXX XXXX on XX/XX/XXXX equaling XXXX deposited into my secured chime account. 
and only owning XXXX from last month. 
I was told to pay the XXXX and i paid it and it applied the whole XXXX in my account. And then the balance in my chime secured account at XXXX and as of today my account either my credit builder credit card or my secured card doesn't have a positive balance of XXXX and it's not in my savings account either. 

in XXXX on XX/XX/XXXX i had two deposits of XXXX and XXXX totaling XXXX And before i made the payment of " XXXX '' my balance in my secured account with chime was XXXX so how does that make sense? 

XX/XX/XXXX i deposited XXXX XXXX XXXX XXXX equaling XXXX and that is unaccounted for also. 

XX/XX/XXXX i deposited XXXX XXXX XXXX XXXX which equals which equals XXXX that is also unaccounted for XX/XX/XXXX i deposited XXXX XXXX which equals XXXX which is not accounted for anywhere. 

XX/XX/XXXX i deposited XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i deposited XXXX XXXX XXXX XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i deposited XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i deposited XXXX XX/XX/XXXX i had deposited XXXX XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i had deposited XXXX XX/XX/XXXX i had deposited XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i had deposited XXXX XXXX XXXX which equals XXXX XX/XX/XXXX i had deposited XXXX XXXX XXXX XXXX which equals XXXX XXXX XXXX i had deposited XXXX XXXX which equals XXXX XX/XX/XXXX deposit of XXXX XX/XX/XXXX deposit of XXXX XX/XX/XXXX deposit of XXXX XX/XX/XXXX deposit of XXXX XX/XX/XXXX XXXX XX/XX/XXXX deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX which equals XXXX XX/XX/XXXX deposit XXXX XXXX equaling XXXX XX/XX/XXXX XXXX all of these deposits made by me or the social security administration were never utilitzed or spent . 
So where did the money go????? 

to date since XX/XX/XXXX they have stolen XXXX from me. I have had to pawn my husbands medals and lost storages of our family belongings and his uniforms, donated plasma to make ends meet. 

I do not know how they thought i would catch this. Since when does a bank steal money from their customers!!!!! 

I found all these deposits into my secured account from the chime app. So it's on there in black and white!

Company response to consumer: Closed with explanation