Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
HI I mailed this request to Chime on XX/XX/XXXX by certified mail and called so many times to request a copy of the check issued to me that was cashed fraudulently on my name and they refused to send me any correspondence how I can get my money and transaction details for the money being transferred in and out of other Chime members. They only provide the first name and last initial and nothing more of the other Chime members. They wont update the address or phone number and email and won't send me any update on the fraud investigation and help me resolve my issues. I ask for complete refund on the {$1000.00} check and all the payments make to different retails and payments to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The names were listed and and I was provided the pet owners name at the emergency clinic who they made the payment with this Chime Account. I have all the transactions and account details of when this account was open. The only thing they did was close the account however they are not providing me the image of XXXX insurance XXXX 's check from XXXX XXXX bank. RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Secured Account Open Dates of fraudulent account opened XX/XX/XXXX Account Number : Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent transaction/account identified above. The email XXXX is fraudulent email, and the phone number XXXX is not my phone number which is also a fraud. It was my previous number that I no longer have access to. Please update this on my account immediately. The law directs that you provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : XXXX. Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and my utility bill with current address. XXXX. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent [ transactions/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips ( Check number : Check # Transfer names Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. [ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : XXXX XXXX XXXX # XXXX XXXX XXXX Police Department. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please also send copies of all records to this officer. If you have any questions concerning this request, please contact me at the above address or at Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/ Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity The

Company response to consumer: Closed with explanation