Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have had a chime debit card and savings account for about two years now I recently just started using it more actively as my main account. I have my direct deposit and my child support going to that account. I am a single mother. I have made normal daily transactions buying my groceries, food from XXXX XXXX or XXXX, and paying bills from my account, I have sent my kids their allowance, but thats the extent of me using my account. I have done nothing out of the ordinary to have my account flagged. On Monday, XX/XX/XXXX at approximately XXXXXXXX XXXX I received a message to tell me that there was suspicious activity on my account and I would be placed on a 48 hour hold. I immediately called to find out more information about the hold and was told there was no information or very limited information just that they knew it was possible suspicious activity in my account was systematic flagged and there was nothing that nobody could do. I was told just to wait the 48 hours and that the hold would automatically be released. On Wednesday evening, which was yesterday XX/XX/XXXX at approximately XXXX XXXX I received a message that my account was restored and all functions were back to normal. I logged into the account and upon logging in I received a second email at XXXXXXXX XXXX telling me that my account had been flagged for suspicious activity for a second time. I immediately called chime and was told that this was a new 48 hour hold and I will have to wait for another 48 hours. I asked for additional information because I wasnt even done with the first original 48 hour hold and I had no information provided to me and now Im being told to wait another 48 hours to be able to access my money and Im afraid that on Friday, XX/XX/XXXX the same issue is going to happen. I asked how do I prevent this from happening a third time and was told its the system and I cant prevent it. I was told that my best option would be once my account restores on Friday to try to move my money, but thats it could lock my account indefinitely if the system flags this as risky behavior and because it may end up being closed ultimately and I am afraid of being in the boat this is all of my money in this account I have about {$8000.00} between my checking and my savings account. From everything I reviewed if I try to move any money its gon na immediately flag my account either way so I dont know what to do but I also dont have any money or any access to any money and this is affecting me taking care of my kids. I have called and talked to over seven different people from someone named XXXX was the original person I spoke to to a couple of young ladies and two other gentlemen, I have asked for a manager, and was told that even the XXXX can not help me, and unfortunately, they were not gon na transfer me to a manager or to a supervisor. I was told that I was speaking with the fraud department and ultimately there was nothing that even the fraud department can do which I feel like is actually outrageous. There should be somebody there to be able to do a manual review over the system because as we know, technology is not always the best and sometimes has issues within itself. I keep getting redirected and basically told to just wait. Ive already waited 48 hours and now Im on another 48 hour hold and who knows what tomorrow what happened to my account?

Company response to consumer: Closed with explanation