Checking or savings account -- Opening an account -- Complaint #7331769
Complaint Overview
Complaint ID: 7331769
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: North Carolina
ZIP Code: 280XX
Date Received: 2023-07-31T12:00:00-05:00
Date Sent to Company: 2023-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Checking account was opened fraudulently at Chime. I was notified via email that I would be receiving my debit card in the mail, which caused me to reach out to Chime and close the account. I called Chime to inquire about when this account was opened, who opened it, why someone would use my actual address and email to commit fraud and they were unable to answer any of those questions on the phone. Instead, they sent me a link and asked me to upload with a police report OR an FTC report ( CFPB complaint doesn't count ), and once I submit those things, someone would email me some information. It was not possible to speak with management and I have concerns about Chime 's fraud and KYC processes since this account was opened without any government issued identification. I have not lost my passport nor driver 's license, so its not possible that someone provided those to open the account. I also happen to work in financial services as a XXXX XXXX XXXX XXXX in consumer banking, so I am very familiar with internal risk management and fraud processes and regulations. I am concerned that Chime either did not follow their processes, or that the risk management structure they have is inadequate.
Frequently Asked Questions
What is Complaint #7331769 about?
Complaint #7331769 was filed against Chime Financial INC regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2023-07-31T12:00:00-05:00.
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.