Have you received a call or text saying there has been an unauthorized transaction on your account? And to get your “new card”, will you have to verify some account details? Scammers love this one.
Whether by phone or text, scammers can pose as a Chime member services agent and ask for personal information or try to get you to download an app that gives them access. Not! Do not go there.
If fraud or risk is suspected in a Chime member’s account, here’s what to do Really happens:
- The transaction will be rejected. or the card will be deactivated and you will not be able to make purchases.
- Chime will send automatic notifications of declined transactions or banners/messages inside the app. You should check the app if your transactions are declined for any reason.
- Chime will text to the member to confirm the transaction, but it will read exactly like this: “Did you try to use the end of your Chime card? [LAST 4] for $[AMOUNT] a [MERCHANT] in [DATE]? Answer Yes or No”.
If you answer “YES”, Chime asks you to retry the transaction and unlocks your card for one hour. If she answers “NO”, Chime continues to reject transactions and you are directed to contact Chime to replace your card. Not the other way.
These texts are actually from Chime.
In fraudulent SMS messages, you will notice that some fake names and phrases are used, such as “Chime Bank” and “Chime Bancorp”. We have also seen text messages claiming to be from “Chime Banking” which is also fake. Often these scammers will follow up with a call, which is also noted in one of the examples below. You will never receive a call from Chime and no Chime agent will ask you for login or account information.
These texts are scams! Beware!
How to avoid it:
✓ Check the app to make sure everything is in the status quo
✓ Look for fake names or phrases
✓ Notice strange misspellings and capital letters
✓ Block number and delete messages
✓ Call Chime directly if you have questions
One of the best ways to protect your money is with doorbell security featureslike two-factor authentication, real-time transaction alerts, and the ability to freeze your debit card if it’s lost or stolen.
