Checking or savings account -- Opening an account -- Complaint #5177847
Complaint Overview
Complaint ID: 5177847
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: Delaware
ZIP Code: 19803
Date Received: 2022-02-02T12:00:00-05:00
Date Sent to Company: 2022-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. .
Frequently Asked Questions
What is Complaint #5177847 about?
Complaint #5177847 was filed against Chime Financial INC regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2022-02-02T12:00:00-05:00.
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 (Checking or savings account) 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.