Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, an email was sent to me from Chime ( XXXX XXXX XXXX XXXXXXXX. ) stating that my account has been closed following a recent review. I did not notice this email until the following day when I attempted to use the debit card associated with this account for a XXXX payment of {$60.00}. The payment was unable to go through due to insufficient funds, which I found strange since when I checked the morning of XX/XX/XXXX, my checking account balance was over {$1000.00}. I attempted to log into my banking account, and it was then that I received an error message stating that my account had been closed and to contact the support team for more information. I called Chime 's customer support number and was directed to their account management team. The representative confirmed that my account had been closed. I asked if the account could be reopened, and after several minutes, was told that my account could not be re-opened. When I asked why, I was told that recent account activity was found to be in violation of the Terms and Services of the Account Agreement. I asked for clarification on the basis that my account activity has been no different than normal. I was told that I could read the Terms and Services of the Account Agreement to discover why my account had been closed. I pushed back, asking to speak with a manager and was told that they would simply give me the same response and were unable to help me any further. The representative then explained that I should expect to receive a check with the full account balance within 30 days of the account closure. I expressed my disappointment with this matter and asked to be transferred to the Dispute team, as I still have an active dispute ( XXXX ). The dispute team representative explained that my dispute would be settled by XX/XX/XXXX, pending a response from the merchant. If the dispute was settled in my favor, I would receive a separate check in the amount of {$1000.00}. Because this dispute is associated with another dispute claim which was already resolved ( XXXX ), I fully expect to receive these funds as well. In the past week, I had received my federal and state tax refunds, which were both transferred to my Chime Savings Account, bringing the total to {$7800.00}. I had also received my direct deposit from my employer, in the amount of {$840.00}. In terms of transactions, I had paid my credit card bill and phone bill, as well as purchasing a few food items. At no point did I receive any communication from Chime that my account was in violation of Terms or given fair warning regarding this account closure. I have now lost access to the majority of my liquid assets, totaling {$9100.00}. I would like Chime to be held responsible for this error, which has caused significant distress to me and my family. I am especially disappointed in the fact that I was given no warning regarding this closure and am now expected to be without my account funds for 30 days - this is completely unreasonable and unacceptable. I will no longer be banking with Chime.

Company response to consumer: Closed with explanation