Depending on the dispute type and merchant, it can take 45-90 days to make a final decision. Here’s the dispute process:

1. 1. 1. 1. You notice an error or inconsistency with your transaction on your Chime account and file a dispute through these channels:
            • • • Chime mobile app
                • Call us at 1-844-244-6363
         2. Once you file your dispute claim, we’ll begin our investigation.
            • • • For ACH disputes, we’ll ask you to sign and return the Written Statement of Unauthorized Debit you’ll receive via DocuSign email.
                • Please note that the investigation will proceed with or without the document. Still, the National Automated Clearing House Association requires that we submit this document to the responsible financial institution to request the return of funds from your disputed transaction(s).
         3. Chargeback Process – During the investigation of your claim, we may file for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you.
            • • • Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate.
                • The merchant has 30 days to respond to a chargeback request. Depending on the transaction type and merchant responses, the chargeback process may take up to 70 days.
         4. Temporary Credit – We may credit your account while we investigate your dispute.
            • • • Please note that not all disputes are eligible for a temporary credit. Learn more about temporary credits by visiting this page.
                • If you're eligible, you can expect to receive your temporary credit within 10 business days (or 20 business days if your account is new and the disputed transaction happened within the first 30 days that the account was funded).
         5. Final Decision – We'll send you an email once the investigation is complete and made a decision regarding your dispute.
            1. 1. • For ATM, ACH, and Pay Anyone disputes, you will receive the Final Decision within 45 calendar days of filing.
                  • For all other card transaction disputes, the final decision will come within 90 calendar days of the filing date.

Frequently Asked Questions

Is there a faster way to reverse the charge?

It may be quicker to contact the merchant that made the charge. In some cases, the merchant may cancel or reverse the transaction.

How can I track the status of my dispute claim?

You can track the accurate timeline view and details of your disputed transaction by following the steps here: How do I check the status of my dispute?

• • Have further questions? Feel free to ask us!
    • You can use the Chime mobile app to chat with us or call us at 1-844-244-6363.