Chime Bank requesting 1040 Form & ID verification for tax refund deposit - anyone else?
Just got a message from Chime saying they need my 1040 and ID to release my tax refund deposit. Never had this happen before. Been using Chime for 3 years with no issues. Anyone else dealing with this? Starting to worry its some kind of scam.
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Christian Burns
This is actually legitimate. Banks are required by federal regulations to verify large deposits, especially tax refunds, to prevent fraud. Many online banks like Chime have increased their verification requirements. Make sure you're responding through official Chime channels only - their app or official email, not clicking random links.
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Jenna Sloan
ā¢omg thank you! i was freaking out thinking it was a scam. Just submitted thru the app š
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Sasha Reese
ā¢happened to me last week. took about 24hrs to verify after i sent docs
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Muhammad Hobbs
Before sending anything, you might want to check your transcript with taxr.ai - it'll tell you if your refund is actually being deposited and when. Only costs $1 and can save you from potential scams. Check it out here: https://taxr.ai
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Noland Curtis
ā¢is this legit? seems too good to be true for a dollar
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Muhammad Hobbs
ā¢100% legit. used it 3 times already this season. way better than trying to decode those cryptic transcripts yourself šÆ
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Noland Curtis
ā¢just tried it - holy cow this is amazing! saved me hours of googling random codes š
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Diez Ellis
DONT SEND UR INFO!! I got same message but it wasnt from real chime! Check the email address carefully
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Vanessa Figueroa
ā¢this is why i switched back to a regular bank smh š¤¦āāļø
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Abby Marshall
mines stuck in 'verification' for 3 days now. customer service is useless
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Sadie Benitez
yea its legit. all these online banks getting strict af lately. welcome to 2025 lol
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Drew Hathaway
ā¢fr fr between this and all the identity verification with the irs im boutta go live in the woods š
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Laila Prince
Make sure to blur out any sensitive info before sending. Just leave visible whats necessary
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Elijah Knight
This happened to me with my refund last month. It's legit but definitely verify it's coming through official Chime channels first. I had to submit my 1040 and driver's license through their secure portal in the app. Took about 48 hours to get approved and then my refund was released. Just make sure you're not clicking any links in emails - go directly to the app or their official website to upload documents.
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StarStrider
ā¢Thanks for sharing your experience! Did they give you any heads up that this verification was coming or did it just pop up randomly when your refund hit? I'm wondering if there's a way to get ahead of this next year
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Oliver Alexander
Same thing happened to me with Wells Fargo last year when I got a bigger refund than usual. It's definitely becoming more common across all banks due to increased fraud prevention measures. The key is making sure you're using official channels - never click links in emails or texts. Log into your Chime app directly or call their official customer service number. They should have a secure document upload feature in the app. Also keep copies of everything you submit and get confirmation numbers if possible.
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Ethan Brown
ā¢Good point about keeping copies and confirmation numbers! I learned that the hard way when my documents got "lost" in their system once. Also pro tip - take screenshots of the upload confirmation page too, saved me hours of back and forth with customer service when they claimed they never received my stuff š±š¾
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Maxwell St. Laurent
Had this exact same situation with Chime about 6 months ago. It's definitely legitimate - they're being extra careful with tax refunds due to all the fraud that's been happening. What helped me was calling Chime's customer service directly (the number from the back of your card or their official website) to confirm the request was real before uploading anything. They walked me through the whole process and I had my refund within 2 business days after verification. Just never upload docs through email links - always use the official app or website portal!
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