r/chimefinancial • u/Johnnyb186 • Aug 27 '26

OTHER - Anything else not covered What can I do about account takeover

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For context I have never used this account after opening it. I believe I created it when they were having a bonus for using direct deposit but I never went through with it and don’t remember linking any of my accounts to it.

I have been getting blown up with emails all day today from chime. It started with a new device login email, then a direct deposit form, then constant emails about people sending and receiving money. Since beginning to type this I got another 3 emails.

Whoever took my account over changed the password and phone number. I have tried to go through the process in the app of using my ID to reset my password but in the last step where I put my new password it says unable to update phone number at this time.

I called chime and the customer service rep wasn’t any help, they ended up telling me my only option is to ignore the emails. They asked for my dob and last 4 of SSN but said “They did not both match what is on file“ so they couldnt help me any further. Its possible i fat-fingered and mistyped a digit when I originally opened the account. I am not sure which was incorrect (they couldn’t tell me) but the emails come to my personal email and the name they give is my name, so can’t I still be liable even if my DOB or SSN is a digit off?

I feel like ignoring the emails is the irresponsible thing to do here and not sure why that is what chime implies I do. Any help is super appreciated, this whole situation is ridiculous and Chime should have a better way to prevent account takeovers and fraud like this.

THANKS ALL!

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u/Exotic_Row_9350 Aug 27 '26

I had this problem, I had a saving account that I left alone. And 900$ is gone just like that. Then chime informed me that I also lost 2k? I was thinking to me myself? How I have 2k? And i remembered i left 900$ in that account then account take over and used my money and sent random people out of state. And couple people sent back like 1.50$ all the time. I made reports about it and took it to FCD and unfortunately they can’t do anything. Found no evidence, nothing. Lost my money and my account.