Credit card -- Getting a credit card -- Complaint #14053537
Complaint Overview
Complaint ID: 14053537
Company: Chime Financial INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Florida
ZIP Code: 32311
Date Received: 2025-06-12T12:00:00-05:00
Date Sent to Company: 2025-06-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I contacted Chime multiple times on XX/XX/year>, to tell them that I received a credit card and a debit card ( separate US mailings ) that I did not authorize and wanted to close immediately before anyone used them. XXXX XXXX asked me to provide the full card numbers or my DOB or my SSN. I refused -- because this is the info a criminal would need to perpetrate the fraud. This person refused to transfer me to a supervisor without giving him that information. I hung up and called again -- Agent 2 used my full name, address, last 4 digits of one of the cards- and confirmed an account had been opened in my name. She also asked for my email and then confirmed that my email was NOT the one used to open the account. I told this agent about my interaction with Agent # 1 and she stressed that I should NEVER give the full card number to someone on the phone -- but also said she had to transfer me to someone else to close. Agent # 3 again asked for my personal identity information so I asked to be transferred to his supervisor. The supervisor ALSO asked me for DOB, SSN, full card numbers. I explained that I was unwilling to give out information that could be used to perpetrate the fraud but that Agent # 2 had found my account with other information. I was put on endless hold and cut off at XXXX.
Frequently Asked Questions
What is Complaint #14053537 about?
Complaint #14053537 was filed against Chime Financial INC regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-06-12T12:00:00-05:00.
How did Chime Financial INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.