Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> Chime ( XXXX XXXX ) requested the following : Between XX/XX/year> to XX/XX/year>, my account received funds via Online gambling. An explanation was requested to receive this credit into my Chime account. Further, Chime requested that I explain the purpose and intention for attempting to remove funds out of the Chime account via " XXXX XXXX '' feature and withdraw to my XXXX. On XX/XX/year> I replied to the inquiry with respect to received funds and money transfers/withdraws. I explained my hobby of using online social casinos and winnings that are associated with my legal and voluntary participation. Chime was my primary account and therefore, this is naturally where I would request my funds be deposited. I further examined that XXXX XXXX function Chime offers was utilized to send rent/bill money to my fianc whom I reside with. I additionally advised XXXX transfers ( from my own account to my own account ) were used for personal expenses and other providers ( such as my vehicle 's Lien-holder , XXXX ) who not accept Chime as a form of payment. Chime also requested supporting documents and my XXXX. I submitted beyond ample documentation as well as my XXXX on the same day ( XX/XX/year>. ) On XX/XX/year> I received confirmation of receipt. On XX/XX/year> Chime emailed and stated my supporting documentation had been reviewed and no further actions are needed. It also stated that I may continue to use my account and my existing Chime card ( s ). On XX/XX/year> I received yet another email requesting information for the same exact thing I had already rectified on XX/XX/year>. I replied to this email stating that I had completed a verification the prior month. I asked why it was necessary a second time for the same situation. On the same day, XX/XX/year> Chime replied and stated my supporting documentation had been reviewed and no further actions are needed. It also stated that I may continue to use my account and my existing Chime card ( s ). I had no further issues until XX/XX/year> when I received an email stating my account is pending cancellation effective XX/XX/year>, however a reason was not provided. Subsequently, I contacted Chime via phone and chat requesting information as to why adverse action was being taken. The representatives were only able to advise that I had violated Terms of Services citing " prohibited acts. '' When I probed further as to what prohibited act I committed, they simply advised me to review the Terms of Service, which I did and was unable to identify a prohibited act that I knowingly or unknowingly committed. Because of this I called back again and again asked for written or detailed information. Again, Chime deferred me to their website for Terms of Service. I explained the previous representative advised the same steps but this did not provide the clarification I was seeking. I requested to obtain, in writing, reasoning for pending account closure, a formal account review, aa well as requested to begin a formal appeal process as I can not identify nor do I believe I have violated any Terms of Use. I further explained that I recognize the option to reverse the action may not be available, but I do have a right to know detailed information regarding adverse action taken against me ( FCRA ). Chime declined to provide specific context as to what terms they assert I have violated but instead defer me to their website and Terms of Service to play a guessing game as to what Chime deemed unacceptable thus prompting them to close my account without explanation. The other concern is a phishing email I received on XX/XX/year> from XXXX presenting as Chime. Because of the aforementioned circumstance, I did not have reason to believe it was illegitimate as its contents were parallel with my current situation with Chime. After further investigation on Chimes website ans through my own legitimate communications with Chime, I was able to confirm this was in fact a phishing email as Chime website explicitly states ALL of their email communications are attached to an email with the domain XXXX, '' have their traditional logo in the photo contact, and have the blue " verified '' check mark next to their logo. These characteristics were true with my prior communications in XXXX and XXXX emails but NOT in the email I received on XX/XX/XXXX. The communication was forwarded to support@chime.com at the direction of their online chat and FAQ. This situation enhances my concern that my account is being closed unfairly and it may be occurring due to fraud. I expressed this on my previous calls and they were dismissed and again deferred back to the generic response of reviewing terms online. My objective is to obtain specific and detailed information regarding the alleged " prohibited acts. '' If I did unknowingly violate a term, I can accept their decision and learn to read the fine print more carefully. However, if after receiving the explanation I find their reasoning is not violation, and I am able to objectively illustrate this with legitimate documentation, I would like a formal appeal submitted as Chime is my primary banking. Additionally, I would like follow-ip regarding the phishing email and whether it contributes to the pending account closure. This is necessary information for me so that I may take additional steps for financial and identity protection as well as properly display this to Chime to avoid account closure.

Company response to consumer: Closed with explanation