Consumer complaint received 2023-07-18
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, Started receiving emails from CHIME about an account that was opened in my name and using my address. I called CHIME on XX/XX/2023 and informed them of what I was happening. They said I would remove my email from this account. 
This was sent to me on XX/XX/XXXX : Your completed direct deposit form is attached Send the attached form to your manager or HR to set up direct deposit. * It's that simple. 
Prefer to DIY?

If your company uses a payroll platform like XXXX, you can manually add your Chime routing and account numbers to set up direct deposit. 
Routing number : XXXX Checking Account number : XXXX Still have questions? Read the blog. 
The Chime Team Then on XX/XX/XXXX I received this email : Hi XXXX, This is to inform you that the phone number associated with your Chime account has been updated to ( XXXX ) XXXX. 

If you did not request this change to your account, please contact Member Services at XXXX or ( XXXX ) XXXX immediately. 

Thanks! 

XX/XX/XXXX : I received an email saying that I will be mailed a debt card. 

XX/XX/XXXX : Hi XXXX, We noticed a new login to your Chime account. 

Date & Time : XX/XX/2023 XXXX XXXX  XXXX Device : XXXX  XXXX Approximate Location : XXXX, OH, USA If this wasnt you, please reset your password immediately and review your transactions for any unauthorized activity. Chime Member Services is available XXXX if you need any support. 

Sincerely, The Chime Team XX/XX/XXXX : Hi XXXX, This is to inform you that the email address associated with your Chime account has been updated to XXXX. 

If you did not request this change to your account, please contact Member Services at XXXX or ( XXXX ) XXXX immediately. 

Thanks! 
The Chime XXXX XX/XX/XXXX : Hi, welcome to Chime. Please click the link below to create a password and sign-in. 

Create a password When youre signed in, you can access these websites. 

Chime Unidentified Callers If you didnt sign up to Chime using this email address, you can safely ignore this email. 



After calling them again, I received the following email : XX/XX/XXXX : XXXX XXXX, Thanks for getting in touch. Even though the email you provided was associated with a Chime account, the other personal information we have on file does not match. Your email address has been removed from the account in question. We'll also remove you from any marketing email lists within 10 business days. 

Were always working to improve our service. If you have any questions or feedback regarding your experience, please reply to this message or call us at ( XXXX ) XXXX. 

Thanks, XXXX - Member Protection Team Chime Support Today XX/XX/XXXX : After talking with them again, I received the following email : Hi XXXX, Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card. 

Here are some best practices you can follow to protect your identity : Place a fraud alert by contacting one of the three credit bureaus. 
XXXX  or XXXX XXXX or XXXX XXXX or XXXX Review your XXXX XXXX XXXX by visiting XXXX or calling XXXX Visit IdentityTheft.gov or call XXXX to learn more about additional steps you can take to protect your personal information, including how to report Identity Theft to the Federal Trade Commission You may choose to file a report with your local police department. 


If you received a XXXX tax form, immediately report the suspected identity theft to the IRS ; you do not need to report the income or request a revised XXXX form showing XXXX  income from them.

Please let us know if we can be of further assistance. 

Thanks, XXXX - Member Protection Team Member Protection Services

Company response to consumer: Closed with explanation