Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2025 I received XXXX **unsolicited, unauthorized** credit cards from Chime- one marked as XXXX debit, the other marked XXXX credit. I DID NOT open these accounts, yet somehow Chime has not only my name, address, and birthdate, but ALSO my SSN -- information every Chime representative I was transferred to asked for to not only verify my identity but also determine that I had an account with them. Which, again, I DID NOT AUTHORIZE. AT NO TIME have I ever provided this information to Chime for any reason. 

On XX/XX/2025 I made a lengthy phone call to Chime. I spoke directly with XXXX representatives ( none of them without such a *heavy* foreign accent I could barely understand their version of XXXX ), starting at the bottom of the chain and working my way up the ladder to various supervisors. It was like a the movie XXXX XXXX- same conversation, different incompetent representative, each one asking me for the same verification information, including the last XXXX numbers of my SSN, address, name, and DOB XXXX Which only emphasized the fraud as aforementioned above. 

During my call I was told by each representative I spoke with that my account had been " suspended '', but when I asked why I was then also told the reason for the account suspension could not be shared with me " for security purposes ''. I asked from where the account was originated. Chime representatives would not share that information with me. I asked WHEN the account was established. I was then told by Chime 's representative that I was " enrolled '' and these ( again, unauthorized ) accounts were opened without my permission or by my request on XX/XX/2025. I then asked, " Are you a representative from the fraud department? '' The answer was, " No, but I will transfer you there now. '' It took me XXXX of the very same conversations with various representatives to FINALLY be connected to Chime 's fraud department.And still got no result from that conversation.See below. 

I requested the " fraud department '' representative have this enrollment/account be CLOSED IMMEDIATELY, not just " suspended ''. Chime representatives told me that the ONLY way that my unauthorized account could be closed is if I *first* filed a police report ( or a report such as this one with the FTC ) and then call them back with this information. They did NOT- and refused, even when asked repeatedly to- explain why my account could not be closed at the time of my call. Chime representatives wanted to " collect additional information '' from me- over the phone, during this call- to create an FTC filing XXXX which was absolutely laughable! WHY in the world would I give them more information than they obviously already have to help them cover their backsides on this fraud!? That same Chime " fraud department '' representative also offered to email me a form to complete and return to them via email but, again, why would I send such sensitive information to Chime over email when it's clear Chime already can't control fraud from within? Instead, I immediately went to my local police station to file a report. But because we are a very small, local borough with less than part-time police coverage and state police barracks over an hour away from my home, I was then directed to this website to file a fraud report here. Police officials suggested this was my best course of action. 

I will also add here that **twice** I asked for an *American* customer service representative **in the U.S.** to speak with because XXXX was struggling trying to understand all the foreigners speaking their version of English/foreign English speaking representatives with very thick foreign accents. I was refused this transfer both times- which by U.S. Federal law is required. Shady and sketchy anti-fraud policies at best.

Company response to consumer: Closed with explanation