How do I dispute a charge on my card?

You can dispute a charge directly in the Chime app by following these steps:

•  You'll see a list of your recent transactions.
• The top of the list will show any pending transactions, or transactions that the merchant hasn’t processed yet. 
• Note: Pending transactions are still being processed and can’t be disputed. You will need to wait until the transaction is posted to the account before submitting a dispute. 
• If you believe the transaction is unauthorized, immediately disable your card in the app to prevent further charges.

• Receipts or invoices
• Information about delivery and shipping
• Confirmation email(s)
• Tracking number(s)
• 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

Here’s what to do in certain dispute situations: 

• Tap Profile.
• Select Account settings.
• Under the impacted card, tap View and freeze cards.
  • To freeze your virtual card, tap View virtual card and tap Freeze virtual card to toggle it on.

To replace your card:

• Tap Profile.
• Select Account settings.
• Under the impacted card, tap View and freeze cards.
• Tap Manage physical card, 
• Select Replace card 
• Choose the applicable replacement reason 
• Confirm your address and a new card will be sent your way
• Once you request a replacement, your old card will be deactivated to prevent unauthorized use.

To update your password:

• Update your password to help secure your account by following the steps in How do I change my password?

If the dispute is about a product or service you received