Complaint Review: Chime Bank - Port Saint Lucie Florida

So this comedy of errors is beyond ridiculous. I'm a Chime Bank customer, and they constantly send me referral emails where I get a few dollars to sign up other people. My girlfriend had an interest, so I sent her the referral link. She goes online, enters her contact info, social security, and so forth.

During the application phase it some basic security questions such as "Which of these addresses have you never lived at?" and so on which are generated by LexisNexis and other private consumer reports. One of the questions listed four addresses, NONE of which she has ever lived at, but there was no option for "none of these." We look up through my Whitepages Premium account I have for work and find out that one of the addresses listed belonged to a woman with the same first and last name (but not middle name) as my girlfiend. Here's the real kicker: WHEN THIS SAME-NAMED WOMAN DIED - TWO YEARS AGO! - she was SIXTY YEARS OLDER than my girlfriend currently is. So I call the 800 number for Chime listed on my card, and explain the situation, and the rep says "Just enter one and it will automatically kick out the application and give you an 800 number to call. When you call back, explain the situation why you think the account was denied and we'll ask for some additional verification sent to us."

Her explanation sounded authentic, so we just picked the first address and sure enough the application is, as the rep stated, denied and kicked out. We call up Chime, again, and give the new rep the situation and the info. As soon as we give the email and social used for the application, the rep becomes a broken record and in his broken English repeats something to the tune of "I'm very sorry, but I cannot give you any information." Ok, I then explain that I am a current Chime customer, offer to give him my account number, and had called in just MINUTES before and was told what to do. "I'm very sorry, but I cannot give you any information." We ask him, calmly, if it's related to CHIME'S ERROR during the verfication process. He repeats the same phrase about not giving us information. My girlfriend asks him "Can you at least tell my why you can't give me any information? Is that a company policy? Do I need to speak to someone else to clear this up, like a supervisor or manager?" He again, repeats the exact same phrase. I ask how do we correct this, her personal info is now associated with a declined account due to Chime's error. Again, the broken record. If I didn't know better, I would have thought I was being prank called or punked by a trolling teenager with an internet soundboard with only one file. He literally repeated the same phrase verbatim, over and over, eventually getting to the point where he would interrupt us before mid-sentence and say he was very sorry but he cannot give us any information like WE were annoying HIM!

I've since moved all of my money out of my Chime account to a real bank, and called again regarding my gf's denied account just to hear that standard customer service rep answer, as clear as a bell, one last time.

I will be calling Chime to close my account in the next few days. When the Chime rep asks me, as most businesses do, why I am closing my account, I have an excellent sound bite to play for them over, and over, and over...

"I'm very sorry, but I cannot give you any information."

Chime - get your $#it together with your data collection, train your customer service reps to be knowledgeable of your business practices, and find reps that can do more than phonetically repeat statements you've given them like some kind of outsourced parrot.