Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am experiencing repeated rejected payroll direct deposits into my Chime account and am requesting an investigation into what appears to be a system error preventing legitimate payroll deposits from being accepted. I previously received approximately three to four payroll direct deposits from my employer into this same Chime account without any issues. However, beginning with a recent payroll payment, my direct deposit was rejected and returned. When I contacted Chime customer support, I was informed that the deposit was rejected because the system indicated that the sender name matched the recipient name. I was told that this issue needed to be corrected by my employer. I contacted my employer and their accounting department reviewed the payroll submission. They confirmed that the payroll was submitted correctly and provided documentation showing that the sender is the employer and that I am correctly listed as the recipient of the payment. They also stated that it is not possible within their payroll system for them to be listed as the recipient of the payment. To ensure the information was correct, I resubmitted a new direct deposit authorization form to my employer. After doing so, another payroll deposit was attempted and it was again rejected with the same explanation from Chime. My employer has also indicated that other employees who bank with Chime or related partner banks associated with Chime have experienced similar rejected payroll deposits. Because of this pattern, it appears the issue may be occurring within the receiving banks processing or validation system rather than within the payroll submission. I contacted Chime again and requested escalation because the information provided by my employer suggests the issue may be within Chimes deposit processing or validation system rather than an error from the employer or payroll provider. However, the representatives and supervisor I spoke with stated that their system is functioning correctly and did not offer further investigation or escalation. As a result of this issue, my payroll deposits are being returned and I am unable to reliably receive my wages through my Chime account. Because these deposits were previously accepted and my employer has confirmed that the payroll submission is correct, I am concerned that there may be an internal ACH processing or validation error affecting direct deposits from this payroll provider. The fact that other Chime customers are reportedly experiencing similar issues suggests there may be a broader or systemic problem affecting payroll deposits. I am requesting that Chime investigate the rejected ACH deposits associated with my account, review this matter for a possible system or validation error within their deposit processing, and provide the specific ACH return code and reason for the rejection. I would also like confirmation that my account is properly configured to receive payroll ACH deposits and that no internal flags or validation filters are preventing legitimate payroll deposits from being accepted. My goal is simply to have this issue investigated and corrected so that I can reliably receive payroll direct deposits into my account as I had previously without issue.

Company response to consumer: Closed with explanation