Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MD

Complaint narrative:
This is an email conversation I had with Chime regarding a Visa debit card that I received in the mail that I never requested, for a checking account that I never opened. Ive never used the Chime app. All emails take place XX/XX/2020 between XXXX XXXX EST and XXXX XXXX  EST. 

ME : Hello, I've received a chime card in the mail however, I never requested one and never opened a chime account.

Chime This is an automated response to let you know your request has been received and is being reviewed by our Member Services team!

To add additional comments, reply to this email.

2020 Chime. All Rights Reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XXXX  or XXXX XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 
This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. 

[ XXXX ] Chime Hi XXXX, Thanks for reaching out to Chime Member Services! This is XXXX, a live representative, hoping you and your loved ones are safe and sound during these difficult times. 

I apologize for not getting with you sooner! Chime is experiencing limited Member Services agent staffing as a result of safety measures to address COVID-19.

To help me best assist you could you please confirm if you are a Chime member, and please verify the last 4 digits of your Social Security number and send a photo of your valid government-issued photo ID, I would be happy to assist you further!

I look forward to hearing from you! 

Kind Regards, XXXX | Chime Member Services XX/XX/2020 Chime. All Rights Reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XX/XX/XXXXor XXXX XX/XX/XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

This email was sent to you because you signed up for an account at  Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. 

[ XXXX ] ME : Im not a chime member. That's why I'm contacting you. I've never downloaded the app. But I got a chime visa debit card in the mail today. 
Show quoted text Chime XXXX XXXX, Thank you for reaching out and letting us know you believe a Chime account may have been created using your personal information. Chime takes reports of identity theft very seriously and we are happy to further investigate the matter for you. So in order to create a proper investigation, please reply to this email. 

Please note : If you potentially could have created an account in the past ( months or years ago ) and just need assistance regaining access to this account and just or need a card, please let us know and we can assist you with regaining access. It is not possible to open a second Chime account, delete a current account so a new account can be created, or change account numbers ( or create new ones ) once they have been set at enrollment. Also, we can not open a new account in order for members to reenroll using a referral link if an account has already created by the member who initially did not enroll using a referral link. 

Please confirm if you recall potentially creating this account or not. 

Kind regards, XXXX | Chime Member Services. 






XX/XX/2020Chime. All Rights Reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XX/XX/XXXXor XXXX XX/XX/XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 
This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. 

[ XXXX ] ME : I definitely did not create this account, I definitely did not order that visa debit card Show quoted text Chime Hi XXXX, Thanks for reaching out to Chime Member Services! finally in order to request, Could you please confirm the last 4 of your SSN, full name, and date of birth. Also please attach a picture of the back the card. 

I look forward to hearing from you! 

Kind Regards, XXXX | Chime Member Services. 






XX/XX/2020Chime. All Rights Reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX The Chime Visa Debit Card is issued by XXXX XXXX XXXX or XXXX XXXX, XXXX. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. 
This email was sent to you because you signed up for an account at Chime and agreed to Chime 's Electronic Communication Agreement. To find out who is the issuer of your Chime Visa Debit Card, turn your card over to check for the listed bank partner. 

[ XXXX ] ME : Chime support, I'm not handing you every piece of information you need to activate this card. If there is a chime account associated with this email then I did not open it. Please close the account. Your last email was very suspicious and I will be contacting the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 
Show quoted text They never responded.

Company response to consumer: Closed with explanation