Learn how to Keep away from Scams That Goal Chime Members


Have you ever obtained a name or textual content claiming there’s been an unauthorized transaction in your account? And so as to get your “new card,” you’ll need to confirm some account particulars? Scammers love this one. 

Whether or not over the cellphone or by way of textual content, scammers might pose as a Chime member companies agent and request private info or attempt to have you ever obtain an app that provides them entry. Nope! Don’t go there. 

If some type of fraud or threat is suspected on a Chime member’s account, right here’s what actually occurs:

  1. The transaction will probably be declined or the cardboard will probably be disabled, and also you received’t have the ability to make purchases. 
  2. Chime will ship declined transaction push notifications or banners/messages throughout the app. It’s best to test the app if their transactions are declined for any motive. 
  3. Chime will ship an SMS textual content to the member to substantiate the transaction, however it would learn precisely like this: “Did you attempt to use your Chime card ending [LAST 4] for $[AMOUNT] at [MERCHANT] on [DATE]? Reply Sure or No.” 

Should you reply “YES”, Chime asks you to retry the transaction and unlocks your card for one hour. Should you reply “NO”, Chime continues to say no transactions, and you’re informed to succeed in out to Chime to switch your card. Not the opposite method round.

These texts are literally from Chime.

In rip-off SMS messages, you’ll discover some false names and phrases used, equivalent to “Chime Financial institution” and “Chime Bancorp”. We’ve additionally seen texts claiming to be from “Chime Banking,” which can be faux. Usually, these scammers will observe up with a name, which can be indicated in one of many examples under. You’ll by no means obtain a name from Chime, and no Chime agent will ask you for login or account info. 

These texts are scams! Beware!

Learn how to keep away from it:

✓ Verify the app to make sure all the things is established order 

✓ Search for false phrases or names

✓ Discover odd misspellings and capitalizations 

✓ Block the quantity and delete the messages

✓ Name Chime immediately in case you have questions

Among the finest methods to guard your cash is with Chime security measures, like two-factor authentication, real-time transaction alerts, and the flexibility to freeze your debit card if misplaced or stolen.


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