Consumer complaint received 2023-05-03 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: NY

Complaint narrative:
To whom it might concern. 

Regarding my account. There seems to be a slight problem with my account. After speaking to a representative from chime support my card was deactivated. Then talking to your representatives for over XXXX hrs My account was closed. Reason was I violated user terms of agreement. Reason ( XXXX XXXX, Chime has found that your behavior violates our anti-harassment code of conduct. Therefore your Chime account has been closed. ) If you still have funds in this account, please allow 14 days for any outstanding transactions to settle. Then, a physical check for the balance will be sent to the address on file. You should receive your closure check shortly after. 

Thanks, XXXX | Chime Member Services This is incorrect if the conversation was recorded please review the recording. As I asked for assistance to resolve the matter I originally called for was a transaction that was on my account that was not recognized Dd/Br for the amount of XXXX XX/XX/XXXX @ XXXX This was the reason I was provided for the deactivated chime card. After talking to a supervisor rat the dispute department I informed them not to deactivate my card I would just pay the amount that was not recognized. 
And then proceeded to disconnect the call.. 

I then checked my card @ XXXX to find it was deactivated Then I proceeded to call back chime support to try to find out what was going on with my account. 
These conversations went on for the first XXXX and XXXX After getting no where with the representative I disconnected the call to call right back this went on for another XXXX mins. XXXX representative was providing me with some information regarding this process of card deactivation he placed me on hold the pick right back up and stated that I called him out and was irrational stated that he would close my account that's when I explained to him what was he talking if your not going to assist me please transfer the call to someone that would. The call was then placed on hold and I proceeded to disconnect the call again. To call right back to talk with another representative. This call lasted 10 mins This representative informed me that I was able to use my temporary chime card untill my card arrived in 7 to 10 days. I also asked was my account in good standings his reply was you have no problem with my account everything is fine. This call was disconnected. This was the last conversation I had with any of these representative at chime on the XXXX of XXXX. 
XX/XX/XXXX I received an email message from chime. 

The message stated my behavior violates the service terms of agreement therefore my account will be closed If asking for assistance with my account violated user terms and agreement then some thing is wrong. 

When asking for assistance from a representative that would provide me with the assistance needed when it is needed is imperative to resolve a problem correctly and Is expected as most of your representatives decided to not recognized my concern with my account and decided to take unnecessary actions against me. 

Also take into account the recording of the conversations. 
Please review them. Then decide who was at fault. 

Deactivated my card without authorization from myself Then closing my account when the original problem was never addressed correctly. 

My account balance {$2100.00} please refund the total amount to the correct address on file. I rather wait for my refund then to deal with unpleasant unprofessional representatives that enjoy toying with people 's emotions laughing and transferring calls to avoid dealing with the problem at hand leaving us on hold for over 2hrs at a time

Company response to consumer: Closed with explanation