Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
On XXXX I opened my gmail account and found emails from CHIME bank on XXXX welcoming me to my new bank account. 
I did not open a CHIME Bank account. 
I immediately called CHIME Bank and notified them of the fraudulent activity and that I did NOT open this account. I spoke with XXXX at XXXX on XXXX @ XXXX XXXX. 
They assured me the account would be shut down and marked as fraud. I then asked for some additional information on the account, such as : when was it opened? Was it a checking or savings? Was there any money funded to the account? What are the account numbers? 
She would not give me the information and told me I need to do a laundry list of things and supply them with a bunch of documentation from the FTC and my police report. 
My next steps : Lock down security on all of my bank accounts. Activate Fraud Alerts with all 3 credit bureaus. File report with FTC. File a police report with the XXXX, IL Police Department, report # XXXX. 
Soon after the police report was filed, the detective reached out to me asking for the account number information. I told her they won't give me that information, which she said makes no sense, the account is in my name. 
So, I called Chime back and spoke with XXXX at XXXX on XXXX at XXXX XXXX. She was unhelpful and kept rattling off a list of documents I need to send them to get the account information. But the account is in my name and you verified me!!! 
I told her the police are asking me for additional information on the account for the police report and told her I can give her my police report number. She won't help me and just keeps telling me to submit information to them. She claims that there are no managers available at all of CHIME bank and no one can help me. They will not give me the information I need to give the police. 

My biggest complaint : I had a freeze with ALL 3 credit bureaus for the last several years. So how is it possible that Chime opened a bank account under my SSN without getting some type of error due to the credit freeze? 
I am now a victim of Identity Theft and they are treating me like I am the criminal ; they won't give me the information the police are asking for and are completely unhelpful when I call. To make matters worse, it sounds like their service center is in some other country and the " service reps '' are just reading from a script and keep saying the same thing over and over again. 
They used my information and allowed someone to fraudulently open an account in my name, why would I keep providing them more information? 
And if the account is in my name, with my SSN and personal information, why will they not give me the information? Technically I am the rightful owner of that account, and the police are asking for this information. 

Last side note : I do have the police report #, but need to actually go to the police station to get the copy of the report. I have also filed with the FTC, but again, don't have the report yet because they are processing it. If I had these items, I still don't know how comfortable I am sending the information to a bank that just let a fraudster open an account under my name and they seem to care less.

Company response to consumer: Closed with explanation