Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have primarily used Chime as my bank for many years, at least 5 years. I have received direct deposits on w2 income to this same account, with no issues arising about my identity. I have also had tax returns deposited to this account. So I thought my identity was pretty clear that it's always been me using the account. 

When I received my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I had {$5700.00} directly deposited to Chime : I gave the XXXX form my Chime info to deposit these funds. 
Immediately I transferred my mother the $ XXXX i owed her on XXXX XXXX after transferring it from chime. 

Then, I was locked out of my account for " fraud '', despite not having done ANYTHING out of the ordinary myself that could have caused this. I was locked out after only making a few purchases under {$100.00} at normal places like the grocery store, XXXX, XXXX, gas stations. 
Since being locked out, I have not received ANY of the emails I used to regarding my transactions or my statements, concerningly. 
Especially of concern is that my abusive ex boyfriend had ( unbeknowst to me at the time of listing Chime for my XXXX ), my ex had my journal where I wrote down my Chime account and routing number. He has the worst gambling addiction and has decided to become a woman, which is fine except the concern I have is that he had ALL of my financial info and ALL of my identity documents, birth cert., SSN, w2s, etc.

I had thousands in there remaining when I was locked out. I have tried scanning my ID and taking a selfie to no avail through the automated system. I called the number to get my account balance and shockingly only have {$98.00} dollars left in my savings. Despite not having made transactions that add up to the loan amounts. 

Is there a supervisor that I can speak to? 
Surely you have an escalation team meant to handle serious complaints and very upset customers. 
I've never worked anywhere that did not allow customers to be escalated to someone in a position of more authority or to assist customer who've called customer service and received none the entire time. Your phone agents were trained to say there's nothing they can do, and yes I did explain everything to them, their XXXX wasn't great so I don't think they know the laws in the US regarding a bank 's duties to their members. 

I had used Chime for many years, had taxes deposited there, had several W2 jobs deposited there directly, so I was certain that my identity was cemented with Chime. 

Why would they lock me out of my account after receiving federal student loans? 
I don't think the judge will rule in your favor especially considering it's federal funds that have disappeared and I have been given no help in knowing what happened to them. 


Did Chime itself steal my money? Or was it my ex, who had my financial information? 

This has caused me undue hardship and stress on a young woman escaping XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) You could be allowing a criminal to get away with theft by withholding information from the true account owner who you have years of history on. 

XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX ) ( XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX : XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( personal ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation