Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Cause of wrongful closure of account, bank statements, my remaining funds, why are they still collecting payments ; returns, disputes directed to me and blocking me access to the account and these funds but handling them to there own liking and not notifying, returning the funds to me, and contusing to do so actively even after wrongfully claiming to close my account, but still using my account and stealing my funds directly, falsely stating I don't have a balance owed, but also claiming I do, then ignoring the finding facts of there mishandling and thief ongoing of money instructed to me on a extreme amount of times and of money. I'll provide some of the many times they have stolen and actively use my account that they locked me from. They have with held my checks for over a year and have lied about them. The following are direct email from chime including transactions numbers and deposits etc for in which have not been paid to me via while and after they locked me out or per say account closure my account but continued to collect and illegally keep funds due to me. Please take notice they also refused to answer any of my many pleadings asking about my funds and asking when and how I will recieve them. 
1.Claim ID : XXXX Dispute Type : Debit - Credit Not Posted Date Error Reported : XXXX Claim Amount : {$87.00} Hello XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded an error occurred. As we explained in our letter sent to you on XXXX, a provisional credit in the amount of {$87.00} was posted to your account. This provisional credit is now permanent and any applicable fee ( s ) have been reversed. 
2.Claim ID : XXXX Dispute Type : Debit - Credit Not Posted Date Error Reported : XXXX Claim Amount : {$73.00} Hello XXXX XXXX XXXX This letter is to inform you we have applied a provisional credit to your account on XXXX in the amount of {$73.00}. This temporary credit is being provided so that you will have full use of these funds while we complete our investigation. 
We will complete our investigation as quickly as possible, but no later than XXXX. 
We will communicate the results of our investigation to you by email within three business days of completion. If we deny your claim, we will reverse the provisional credit and debit the amount from your account. We will notify you if this occurs. 
Thank you for being a valued Chime member. If you have any additional questions or need further assistance, feel free to contact us at any time. 
Sincerely, Chime XXXX XXXX 3.Claim ID : XXXX Dispute Type : Debit - Duplicate Charge Date Error Reported : XXXX Claim Amount : {$110.00} Hello XXXX XXXX XXXX This letter is to inform you we have applied a provisional credit to your account on XXXX in the amount of {$110.00}. This temporary credit is being provided so that you will have full use of these funds while we complete our investigation. 
We will complete our investigation as quickly as possible, but no later than XXXX. 
We will communicate the results of our investigation to you by email within three business days of completion. If we deny your claim, we will reverse the provisional credit and debit the amount from your account. We will notify you if this occurs.

Thank you for being a valued Chime member. If you have any additional questions or need further assistance, feel free to contact us at any time. 
Sincerely, Chime Disputes Team 4.Claim ID : XXXX Dispute Type : Credit Not Posted Date Error Reported : XXXX Claim Amount : {$73.00} XXXX Type : Credit - Duplicate Charge Date Error Reported : XXXX Claim Amount : {$120.00} XXXX ID : XXXX Dispute Type : Incorrect Amount Charged Date Error Reported : XXXX Claim Amount : {$170.00} XXXX ID : XXXX Dispute Type : Debit - Credit Not Posted Date Error Reported : XXXX Claim Amount : {$210.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above.

Our investigation concluded an error occurred.

8.Your dispute claim number is XXXX. 

There are several more than I shared, that they still contune to keep, steal, and use of such a account

Company response to consumer: Closed with explanation