Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this update because the company XXXX Chime Financial , Inc. ) has not fulfilled the obligations stated in their written response to the CFPB and continues to provide contradictory and misleading information preventing the release of my funds. 

XXXX. Chimes CFPB Response Confirms the Refund Was Finalized In their official CFPB response dated XX/XX/year>, Chime stated : All XXXX of my Regulation E disputes were determined to be unauthorized Full and final credits were issued to my account Only XXXX dispute was denied, which does not affect the final balance They emailed me on XX/XX/year> requesting identification to proceed with the refund This response acknowledges that Chime owes me the remaining closed-account balance and that they initiated the refund process. 

XXXX. XXXX Written Email Confirms a Closure Check Will Be Sent I received an email from XXXX at Chime Member Services stating : Once you confirm your physical address, your closure check will be sent. 

I provided the requested documents repeatedly, including : Government ID Multiple refreshed images as requested Proof of address Chime repeatedly acknowledged receipt of these documents via email. 

XXXX. Despite this, Chime has gone silent and has not issued the check After I submitted the requested materials, Chime stopped responding. 

It has now been several days since they acknowledged receipt, and no check has been mailed or approved. 

XXXX. Customer Service is Providing False and XXXX XXXX XXXX CFPB response instructs consumers to contact their telephone support for further assistance. 

However, when I contact XXXX phone support, the representatives : State that I am not eligible for a refund, Refuse to escalate the matter, Claim they can not access my case, Direct me back to the email team that has stopped responding. 

This directly contradicts : XXXX CFPB response, XXXX email confirming they would issue a closure check, and XXXX  own investigation findings. 

XXXX. The Company Is Now Ignoring Me Entirely Despite submitting : All requested identity documents, All proof of address, Multiple follow-up emails, I have not received any response from XXXX Written Department XXXX XXXX team. 

Phone support can not assist and continues to recite an incorrect script. 

XXXX. This Appears to Be a Violation of Regulation E and UDAP Standards Under 12 CFR 1005.11, once a financial institution resolves a dispute and issues a final credit, it must make those funds available to the consumer. 

Chime and XXXX Bank have : Completed dispute resolution Issued final credits Confirmed refund eligibility in writing Requested address verification Then refused or failed to issue the refund check This behavior appears to constitute : Failure to release consumer funds after final credit Unreasonable delay in refunding a closed-account balance Conflicting, misleading, and deceptive statements to the consumer Failure to provide the assistance recommended in their CFPB response XXXX. Requested XXXX I respectfully request that the CFPB : XXXX. Require Chime XXXX and/or XXXX Bank XXXX XXXX issue the full closure check for {$21000.00}, which reflects the final balance after all approved disputes. 
XXXX. Investigate why customer service is still providing false ineligible for refund statements despite the finalized dispute credits and written approval of a refund check. 
XXXX. Investigate the companys practice of ignoring consumers after requesting sensitive documents such as ID and proof of address. 
XXXX. Ensure the company complies with federal law governing closed-account refunds and dispute resolution. 



I am attaching copies of : XXXX CFPB response Emails from Chime promising to send the closure check Proof of documents I submitted Screenshots of customer service refusing to assist and contradicting the CFPB response Thank you for your continued assistance. 
Please let me know if any additional documentation is needed.

Company response to consumer: Closed with explanation