Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AR

Complaint narrative:
Subject : Failure to Provide Access to Funds, Incorrect Address Updates, and Repeated Delays in Debit Card Delivery by Chime Bank Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Financial Institution Information : Chime Financial , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Information : Chime Bank Account Number : XXXX -Checking Detailed Complaint : I am filing this formal complaint against Chime Bank due to their persistent failure to provide me with a functional debit card, correctly update my address, and ensure access to my own funds. This situation has been ongoing for nearly two months and has caused significant financial and personal hardship. I found a transaction that I did not make, contacted Chime to dispute it, canceled my debit card, and over 4 months Chime denied the dispute, " even when it was not me that made the transaction ''. 

Timeline of Events : XX/XX/XXXX : I discovered an unauthorized transaction on my Chime Bank account. I immediately disputed the transaction and, as a precautionary measure, cancelled my existing debit card. 

I previously updated my mailing address to my new residence in XXXXXXXX XXXX back in XX/XX/XXXX. 

Timeline ( XXXX - XX/XX/XXXX ) : Despite my address change, the replacement debit card was erroneously sent to my old address in Florida, several times, when it was promised to be sent to my current address in XXXX XXXX via USPS Multiple Calls ( Over the last 3 months, specifically 4 separate times ) : I have called Chime Bank on four separate occasions over the past three months to rectify this issue. During each call, I was assured that my address had been corrected and a new debit card would be sent to my current address in XXXX, XXXX. Each time, these assurances proved false, and no debit card was received. 

XX/XX/XXXX ( Today ) : I called Chime Bank again to inquire about the status of my replacement debit card. I was informed that a new card has been sent, but I will not receive it until XX/XX/XXXX. This means I will have been without a functional debit card and direct access to my funds for over two months since the initial debit card cancellation. 

Issues and Concerns : Failure to Update Address : Chime Bank has repeatedly failed to accurately update my mailing address in their system, leading to the misdelivery of sensitive financial instruments. This demonstrates a critical lapse in their customer data management and security protocols. 

Failure to Provide Access to Funds : As a direct result of not receiving a debit card, I have been unable to access my funds for essential daily expenses. This constitutes a severe failure on Chime Bank 's part to provide basic banking services.

Inadequate Customer Service and Resolution : Despite multiple attempts to resolve this issue through customer service, the problem persists. The repeated assurances that the issue would be resolved, only for it to reoccur, indicates a systemic problem within Chime 's support structure. 

Unreasonable Delay in Card Delivery : Given the prolonged period I have been without a debit card and the repeated failures, waiting until XX/XX/XXXX, for a replacement is unacceptable. Chime Bank should prioritize the immediate delivery of this card. 

Requested Resolution : Immediate Overnight Delivery of Debit Card : I demand that Chime Bank immediately send a replacement debit card to my correct address in XXXXXXXX XXXX via an expedited shipping service such as XXXX or XXXX overnight delivery. 

Investigation into Chime Bank Practices : I request that the CFPB investigate Chime Bank 's practices regarding : Their system for updating customer addresses. 

Their process for issuing and delivering replacement debit cards. 

Their overall customer service effectiveness in resolving critical account access issues. 

Their compliance with regulations regarding timely access to consumer funds. 

This prolonged situation is beyond problematic and significantly impacts my ability to manage my finances. I urge the CFPB to take swift action to ensure Chime Bank fulfills its obligations as a financial institution. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation