Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
1. CIP violations : Account was open with XXXX State Identification ( Standard Drivers license ), and account included CIP ( Legal Address ) indicating XXXX XXXX. KYC Regulations indicate that account could have been opened with XXXX license and XXXX address ( as it was ), and then address changed to XXXX XXXX. First problem : Address change occurred via Chime portal and no address verification ( except standard bank practice to send mail to the address and see if it is returned undeliverable - CHIME WAS SENT PROOF THAT MAILBOX OF THIS ADDRESS - XXXX XXXX XXXX XXXX XXXX - WAS COMPROMISED AND THUS THIS METHOD IS INSUFFICIENT ). I am willing to send proof AGAIN indicating that this is not just a concern- it is a liability that bank practice does not account for. 2. Any audit of address change history would reveal a period of time in which daily ( and sometimes hourly ) address changes were being made from distinct IP addresses. THIS IS INDICIA OF IDENTITY THEFT. If the IP address is logged, chances are that an INTERNET BANK would also log the XXXX ADDRESS OF THE DEVICE ACCESSING BANK SERVICES. Chime could have shut down all XXXX addresses other than the one that client was using. The culprit was changing the address to a XXXX address that I have never been affiliated with. 3. Once phone was compromised ( including stolen outright, alongside the wallet- which is how the ID was compromised ), they were able to continue to gain access into the account and authenticate using the sub-par authentication procedures at Chime. 4. Evidence exists that perpetrator may have been a novice because transaction pattern indicate that he was testing card transaction amounts. He graduated to advanced theft when he realized that the phone had no code and likely could sign in and obtain notifications. Transaction patterns will also indicate that perpetrator began using more balance-emptying amounts concurrently with deposit amounts ( indicating that he was receiving notifications from the app itself ). 5. Chime agent rudely mis-explained that it is impossible for the transaction to not have been victims transaction because Chime agent misunderstood Fraud transaction patterns, and likely provided equally incompetent remedies. 6. Credit Builder was compromised, and Chime continues to allow for banking but has not made provision for clients credit ( which was also impacted by the same theft of his identity ). This is a CRA issue. THINGS TO INCLUDE IN HELPFUL REPORT 1. Culprit gained access to account by stealing my phone ( I have always had Android - phone had no passcode ). 2. Once phone was compromised ( including stolen outright, alongside the wallet- which is how the ID was compromised ), they were able to continue to gain access into the account and authenticate using the sub-par authentication procedures at Internet Banks. 3. XXXX - Confessed to the plan holder ( XXXX XXXX ) that he took the phone because. Previous occupant of XXXX XXXX ( same building - XXXX XXXX XXXX ) had intimate or regular contact with perpetrator. Previous roommate also vouched for integrity of perpetrator.

Company response to consumer: Closed with explanation