How do I dispute a charge on my Chime card?

There are 2 ways to dispute transactions with an error:

Use the Chime Mobile app Call us

To file a dispute in the Chime app, follow these steps

  1. On the home screen, tap View Transactions and find the charge you want to dispute
  2. Tap Problem with this transaction? and enter the required information

You can check the status of your dispute in the app after you file it. Read more about that here.

Frequently Asked Questions

When I file a dispute, what information should I include?

Documentation helps us investigate disputes. In order to speed up our investigation, you can include the following information:

      • Receipts or invoices
      • Information about delivery, shipping, confirmation email, and tracking number 
      • Any conversations you've had with the merchant about the order(s)
      • Photos of the defective or damaged merchandise
      • Description of the item on the merchant's website, with a link to the page
      • Evidence that the price you paid differs from the listed price
      • Requests to cancel or stop the transaction in writing

Things to keep in mind when filing a dispute:

      • We'll deactivate your card if it has been misplaced, lost, stolen, or used for unauthorized transactions. Read more.
      • It might be quicker to contact the merchant that made the charge if the issue involves merchandise or service. The merchant can often cancel or reverse the transaction. Once the merchant has agreed to issue a credit, it takes 3-5 business days for the credit to post to your Chime Checking Account.  To learn more about contacting a merchant for a refund, please read this article.
      • You should change your password if you see transactions you don't recognize.  We recommend that you also change the PIN code for your online account as a precaution against unauthorized transfers.
      • If you see unauthorized transactions, you should immediately turn off card transactions in the app under Settings, or at www.chime.com. This step immediately prevents your card from being used for any more transactions.
      • When you file a dispute for an unauthorized international transaction, we automatically disable international transactions in your app to protect your account. Follow these steps to re-enable international transactions in your Chime mobile app:
            1. First, open your Chime app and tap Settings
            2. Next, scroll to the card you want to use while abroad
            3. Finally, toggle the International Transactions slider to the "On" position. Green means international transactions are enabled and gray means international transactions are disabled.

What happens to my dispute money if my Chime Checking Account is closed?

If you are in the process of disputing transactions on your Checking Account and are approved for temporary credits or are given final credits for your claim:

      • You will receive an additional check for the amount credited to your Checking Account. 
      • Alternatively, you will receive a single check if the credits are provided before the first check is issued.
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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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