What is a Dispute?

A dispute arises when a customer notices an issue with a transaction, such as: chime how to dispute a charge

• Unauthorized transactions (fraudulent charges or purchases)
• Billing errors (incorrect amounts charged, duplicates, etc.)
• Non-receipt of goods or services paid for
• Failed or missing deposits

If any of these occur on your Chime account, you have the right to dispute the charges and request a resolution.

2. Preparing for the Dispute

Before initiating the dispute, it's essential to gather all the necessary information. This includes:

• The transaction date and amount
• Details of the merchant involved (if applicable)
• Any relevant correspondence (e.g., emails, receipts)
• A clear explanation of the issue

Having all this ready will help ensure a smoother dispute process.

3. Filing a Dispute with Chime

Chime allows customers to file disputes through their mobile app or website. Here's how you can do it:

A. Through the Chime Mobile App:

1. Open the Chime app on your phone.
2. Go to the "Activity" section to review your transactions.
3. Find the transaction you’d like to dispute.
4. Tap on the transaction and select “Dispute.”
5. Follow the prompts to complete the dispute request.

B. Through the Chime Website:

1. Log in to your Chime account on the website.
2. Go to your transaction history.
3. Locate the disputed transaction and click to open it.
4. Select “Dispute” and provide the necessary details.

If you cannot find the dispute option, you can also contact Chime's customer support team.

4. What Happens After Filing a Dispute?

Once your dispute is submitted, Chime will initiate an investigation. The typical steps in the process are as follows:

A. Investigation Period:

Chime will begin investigating the disputed transaction. This process may involve reviewing your transaction history, contacting the merchant, and verifying the details of the dispute.

B. Temporary Credit:

In some cases, if the dispute is likely to be resolved in your favor, Chime may issue a temporary credit to your account while they conduct their investigation. Keep in mind that this is not a guarantee, and the final outcome will depend on the investigation's results.

C. Resolution:

Chime will notify you about the outcome of the dispute investigation, typically within 10 business days for unauthorized charges. If the dispute is resolved in your favor, the credit will be permanent. If not, the temporary credit will be reversed, and you’ll be informed of the reasons for the decision.

5. Types of Disputes

Chime handles several types of disputes, including:

• Unauthorized Transactions: If you didn’t authorize a charge or if your card was used fraudulently.
• Billing Errors: Discrepancies in the amount billed or double charges.
• Goods/Services Not Received: If you paid for a product or service and did not receive it.

Chime works closely with its partners and merchants to resolve these issues.

6. Important Timeframes to Keep in Mind

• Unauthorized Transactions: You typically have up to 60 days from the date of the transaction to dispute an unauthorized charge.
• Billing Errors: You usually have 60 days from the statement date in which the error appears to file a dispute.
• Deposit Issues: If you didn’t receive a deposit, Chime may take a few business days to resolve, depending on the source of the issue.

7. What If the Dispute Is Denied?

If your dispute is denied, you can request more information on the decision and explore alternative options. If you're not satisfied with the outcome, you may be able to appeal the decision or escalate the issue by contacting Chime’s support team directly for further clarification.

8. Preventing Future Disputes

While disputes are sometimes unavoidable, there are steps you can take to minimize future issues:

• Monitor Your Transactions Regularly: Make it a habit to check your transaction history to spot any discrepancies early.
• Use Alerts: Set up transaction alerts within the Chime app to notify you of any activity on your account.
• Secure Your Account: Ensure your account is protected by using strong passwords, enabling two-factor authentication, and reporting lost or stolen cards immediately.