How do I check the status of my dispute? 

You can check the status of your dispute without texting or calling. Just open the Chime mobile app and tap Disputes on the home screen that appears immediately when you open an active dispute. The dispute link will disappear 7 days after the dispute is closed.

 

Why does it take so long to resolve a dispute? 

Every dispute is different, so it's imperative that we thoroughly investigate each one. If you filed a dispute, here’s what to expect: 

  1. Provisional Credit: If you’re eligible for a provisional credit, and we can’t complete our investigation in 10 business days (20 business days if your account is new), you’ll get a temporary credit to use while we continue the investigation. You can expect to see this credit in your account by the end of the 10th business day (20th business day for new accounts). 
  2. Investigation: We start reviewing your dispute claim immediately after you file it. It  can take 45-90 days to resolve depending on the dispute type and merchant. 
  3. Final Decision: Once we complete our investigation, we’ll email you with a final decision. If we find that your claim is valid and we gave you a provisional credit, we’ll make it permanent. If we find your claim is not valid, the provisional credit will be reversed. Reversals happen at least 5 business days of notifying you of our final decision. The reversal date will be included in the notice.

 

Is there a way to receive credit faster? 

It may be faster to contact the merchant that made the charge. In some cases, the merchant may cancel or reverse the transaction. If you’ve already contacted the merchant and they’ve issued credit, it may take 5-7 business days to post to your account.

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