Fix Chime 'We Spotted Some Unusual Activity' (Login Block)

Updated: 12/1/2025

You open your banking app to check your balance, but you are blocked by a screen saying: 'We spotted some unusual activity. To protect your account, we have temporarily disabled access.' This is Chime's automated fraud detection system. It triggers when the GPS location of your phone doesn't match your usual login habits, or if you are using an internet anonymizer.

Why was I flagged?

Chime is a digital-first bank, so their security AI is aggressive. Common triggers include:

• Logging in while a VPN is active.
• Logging in from a new phone without verifying email first.
• Traveling to a different state without notifying the app.

Method 1: Disable VPN and AdBlockers

This is the most common cause. Chime must see your real IP address to verify your identity.

Step 1: Check Background Apps

Ensure apps like NordVPN, ExpressVPN, or Cloudflare 1.1.1.1 are completely disconnected.

Step 2: Switch to Data

Turn off WiFi. Use your cellular connection (5G/LTE). Banks trust carrier IPs because they are tied to your SIM card identity.

Method 2: Re-Verify Identity via Email

When this error appears, Chime usually sends a 'Login Attempt' email.

Step 1: Check Inbox

Search your email for 'Chime Verification'. Check Spam folder.

Step 2: Click the Link

Click 'Yes, it was me'. This whitelists your current device. Force close the app and try logging in again immediately.

Method 3: The 'Forgot Password' Reset

If the app is stuck in a loop, forcing a password reset can refresh your security token.

Tap 'Forgot Password?' on the login screen. Enter your email and SSN (last 4 digits). Creating a new password forces the system to re-authenticate your session from scratch, often bypassing the 'Unusual Activity' screen.