Checking or savings account -- Opening an account -- Complaint #8870405
Complaint Overview
Complaint ID: 8870405
Company: Chime Financial INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened without my consent or knowledge
State: California
ZIP Code: 92506
Date Received: 2024-04-26T12:00:00-05:00
Date Sent to Company: 2024-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an email from a company called Chime around XX/XX/XXXX that I opened an account and a debit card would arrive to my house soon. I also received an email from them about a line of credit. I never knew this company even existed. I never opened an account with them. I know my data is online from several data breaches and I have now taken steps to protect myself. Either someone tried to steal my identity or Chime is opening false accounts to inflate their numbers. It is really suspicious to me because the account was opened after I froze my credit. Really strange. Chime had my social, phone number and address. A debit card did arrive in the mail to my home. I tried contacting Chime via phone call & could not get to a person without them dropping my calls after a few minutes. After the first couple times it happened, I knew it was no accident and it's their intentional practice to make contacting them for assistance difficult. I finally found their email online & was able to communicate with them in writing to close my account. The auto message I received before connecting to a person said their email communication is ceasing after early XX/XX/XXXX. That's so wrong of them with how their customer service calls worked in my experience. I'm glad I was able to close my account with them ( hoping they aren't lying ) but something shady is going on with either Chime and/or my personal information. Like I said earlier, I have frozen my credit but I also bought a credit/data monitoring service & made a pin with the IRS. Other than that I don't know what else to do...
Frequently Asked Questions
What is Complaint #8870405 about?
Complaint #8870405 was filed against Chime Financial INC regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2024-04-26T12:00:00-05:00.
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.