Why Did I Get a Chime Card in the Mail? (Important!)

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Were you sent a random Chime card in the mail? This is likely what it means…

If you’ve recently received a random Chime card in the mail and you aren’t sure why or how this article will help uncover important information for you to know including why you likely received the card and why it’s crucial for you to take action as soon as possible.

Failing to take action could result in someone fraudulently opening another Chime account in your name and in doing so, ruining your banking history and potentially costing you a lot of money (among other potentially costly issues). 

In This Post:

Why You Probably Received a Random Chime Card in the Mail

Unfortunately, it’s likely the reason you randomly got a Chime card in the mail is that someone has committed fraud and has tried to open a Chime bank account using your name and information.

Chime is a legitimate online-only bank that has millions of active members. Many people consider it the future of banking.

Thankfully this time anyway, the Chime card associated with this new account was sent to your mailing address, and consequently, you were notified – but I wouldn’t count on that happening again making it crucial for you to take action as soon as you can to keep your banking history and finances as safe as possible.

The first thing you should do is contact Chime support to notify them of the issue.

Related: Chime SpotMe Questions Answered

Contacting Chime Support (What’s the Best Way)

Getting a hold of someone at Chime bank over the phone is often nearly impossible.

This is because Chime is a virtual/online bank and doesn’t have any brick-and-mortar locations. 

While Chime is actually a really good bank, it has its drawbacks like any bank or service, and the lack of in-person customer service at times like these is often one of the main drawbacks.

You can at least try calling Chime support if you want at 844-244-6363 – but be warned, the phone system is automated so you may or may not have luck with figuring out how to actually talk to someone there. (1)

Normally your best option for getting a hold of a Chime customer service representative is by emailing Chime support and letting them know of your issue and that you need to close the new account as soon as possible.

To email Chime support, send a message to [email protected].

Make sure you explain to them that you believe you were the victim of fraud and that you didn’t actually sign up for a new Chime account but it appears someone else did because you received a random Chime card in the mail.

In most cases, the next step will be to close the newly opened Chime account.

Related: Chime Account Suspended (Why & What to Do)

How to Close the Chime Account

Once you’ve talked to Chime support over the phone or by email, they will likely request that you provide them with the last 4 digits of your social security number and a picture of your photo ID to verify your identity with them so they can close the account. 

This may seem like a bit of an odd request and somewhat unsettling considering what you’re dealing with but go ahead and do it as ultimately it’s the only way to get the Chime account closed. 

How to Prevent this From Happening Again (Crucial!)

Once the Chime account has been closed, the Chime representative will normally flag the account as fraudulent.

If for some reason they don’t, make sure you ask Chime support to do this to help prevent someone from opening an account again by using your info.

In addition, it’s probably a good idea to add a fraud alert with all 3 of the major credit bureaus for the time being for added protection.

Adding Fraud Alerts

Adding a fraud alert is a preventative measure you should 100% take if someone has tried opening a Chime account without your knowledge and/or permission. 

You’d hate to find out the hard way that they’ve done other things with your information and caused you to incur huge amounts of debt because of it (among other potential issues).

By adding a free fraud alert on your accounts, it, in essence, adds a red flag telling potential creditors or lenders that you may have been the victim of fraud or identity theft and that they must take extra steps to ensure that you are the one actually requesting credit, funds, etc.

Think of it as an extra (yet temporary) layer of safety.

Adding a fraud alert on Equifax

To add a fraud alert on Equifax, go to the following website: https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/.

Then click on “place an alert” and fill out and submit your information on the following online form. (2)

Adding a fraud alert on TransUnion

To add a fraud alert on TransUnion, go to the following website: https://www.transunion.com/fraud-alerts.

Click on “add fraud alert” and then choose the right fraud alert for your situation (either 1 year or 7 years). (3)

For most people, choosing the 1-year option is what you need unless you have a valid identity theft report from law enforcement in which case you can choose the 7-year option.

On the following page, you’ll need to “create an account” or log in to your TransUnion account to add the fraud alert to your account.

Adding a fraud alert on Experian

To add a fraud alert on Experian, go to the following website: https://www.experian.com/fraud/center.html.

Click on “add a fraud alert”. Then select the length of time that you’d like to have the fraud alert on your account (either “temporary” 1 year or “extended” 7 years). (4)

In most cases, you’d choose the temporary 1-year option unless you have a copy of a valid identity theft report from law enforcement in which case you can add an extended 7-year fraud alert on your account if you choose to do so.

Then on the resulting screen, you would just fill out the online form with the relevant info and then click submit.

Wrapping Up

In most cases, if you get a random Chime card in the mail it’s often a bad sign that means someone has fraudulently used your info to try to open a new Chime bank account. 

If this is the case, you definitely need to take action to protect your banking history and finances. Failing to do so could be a costly mistake.

The first thing to do is contact Chime customer service and have the account opened with your information closed as soon as possible and have them mark the account as fraud.

As an added layer of protection, it is recommended that you add fraud alerts to the 3 main credit bureaus also as at this point you really don’t know what else this person has access to so it’s best to protect yourself.


  1. Chime – https://help.chime.com/hc/en-us/articles/224860707-How-do-I-contact-Chime-
  2. Equifax – https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/
  3. TransUnion, https://www.transunion.com/fraud-alerts
  4. Experian – https://www.experian.com/fraud/center.html

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