I have been with Chime since beginning of 2020. Had zero issues and absolutely loved them. Everything came to a standstill a few weeks ago when, to my literal shock, I get on my app and there is a notification across the top saying my account is being closed, I needed to transfer anything there and they would not accept anything to come through with a date of official closure. No notification otherwise mentioning anything of the sort. Not one call, not even an email. I was so confused and distraught over the entire situation. A week or so later I finally realized that I needed to know, there was nothing done differently and felt I it was time to get with support and address the issue so I could stop beating myself over it, especially when I know I didn’t do anything out of the ordinary or in violation of any terms. There was one more big push for me to get these answers.. I find someone else venting over the issue and just as surprised as I was. Then others poured in. Did something get leaked? Did accounts on high scale get hacked of some sort? Is there more to this? I had never, in 6 years, EVER heard of a closure of accounts in this size and with no information or explanation to the very people that got them there. There was zero way to appeal it and no logical reasoning behind closures in this multitude to happen.
Now, I’m in no way saying this is information is what happened, this is my opinion only, just to be clear. Although, this is more justified than what is happening. So I reached out. The person I spoke with looked at my account and said she could see no reason for the closure, therefore she reversed it and told me chime would be emailing the information for the incident. I was excited and was so happy I reached out and the result of being able to keep my account active and no closure over this technical glitch. Or so I thought.
A week in… there is it again on my app. I reach out and get the same response from the first person, then was transferred. The second person lets me know the decision is final and closure will be on stated date. She would not give any details on why or answer anything, even why it was reversed the first time. Again, some promise to get an email with reasoning behind the decision. Again, never received. So, heads up to their current and future customers. Since they will not give notification, respectably inform customers, while just shrugging it off, I felt it was worth sharing and holding my integrity and dignity high. Account holders deserve to know. A closure could be detrimental to a customer that has no other bank account or another elsewhere, this is a potential loss of and big blow to their credit, for example.
I will end this here, one last hooyah: Hey Chime, even if I hate that it’s come to this. I do however, urge you guys to inform customers of ANY kind of account action and the valid reasoning behind drastic actions like. Maybe, consider appeals for both parties, thus making sure that decisions are fair, dependent on a case by case basis, utmost professionalism and transparency for all. I hope there is a resolution for my case not resulting in closure, high hopes and disappointment from this soon to be former Chime member.
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