Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX ish - Received a Chime XXXX XXXX XXXX in the mail that I never signed up for. 

XX/XX/26 - Tried calling the 800 number on their site but no options for fraud and impossible to get a live person. Only option was to email XXXX XX/XX/26 - Emailed them advising that I thought I was a victim of fraud. 

XX/XX/26 - Got an email from Chime support back saying, " This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! ". 

XX/XX/26 - Got a second email with the following message, " 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. 

Please note : If you might 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 your current account so a new account can be created, or change account numbers ( or create new ones ) once they have been set at enrollment. 


You can not re-enroll using a referral link if you have already enrolled without using a referral link. 


Please confirm whether you recall potentially creating this account or not. Once we have received a response. We will do our best to respond within 2 business days. 

Thanks, XXXX | Chime Member Services XX/XX/26 - I responded to that email with, " I did not open any account with Chime and would formally like to have this account frozen, eventually deleted and investigated for fraud. '' XX/XX/26 - Received this message back : Thanks for reaching out to Chime Member Services, this is XXXX! 

I'm sorry for the inconvenience but to best assist you and investigate further, please send us a picture of your valid government-issued ID and the last 4 digits of your Social Security Number. I would be happy to assist you further. 

I look forward to hearing from you. 

Thanks, XXXX | Chime Member Services XXXX - Finally got around to emailing them back and advised I was not comfortable giving a company that has already sent me a card that I suspect to be fraudulent anymore personal information. 

XXXX - They emailed back and advised to give them my name, last four of SSN, card number and account number. 

XXXX - Responded back with the above info. 

XXXX - They advised : Thank you for providing that information and letting us know you did not open this account. We have blocked the account, which will prevent the account from being accessed by an unauthorized party in the future. 

Please note, we have escalated this issue to a specialized team for further review. They will reach out with an update within 24 hours. 

XXXX - I emailed back and advised I wanted the account closed immediately.

Company response to consumer: Closed with explanation