Best Way to Dispute a Transaction on Chime

Chargebacks and Refunds Best Way to Dispute a Transaction on Chime

Easily Dispute a Transaction On Your Chime Account

Chime is a financial services company that believes in offering customer service without the typical banking fees. They don't charge overdraft or monthly service fees or fees for dropping below a minimum required balance, for example.

As with any typical bank, however, it's always possible that you could end up with a transaction on your account that you don't believe is legitimate. If that's the case, you'll want to dispute it. But how do you go about disputing a Chime transaction? You can either go through the company yourself, or you can save yourself some potential hassle and let DoNotPay help you. Read on to learn more about your options.

How to Dispute a Chime Transaction With DoNotPay

With DoNotPay, you can get disputed transactions off your account with remarkably little effort on your part. To start a Chime transaction dispute, simply log into your account and head to the "Chargeback Instantly" screen. Next, follow the prompts as follows:

  • Select the payment method the charge appears on and your bank. What payment method did the transaction appear on? Let DoNotPay know. Then, on the next screen, indicate that you need to request a chargeback from Chime.
  • Submit the information requested about the transaction. What merchant charged you for the disputed transaction? What was the date of the transaction? The amount? Indicate all of this where DoNotPay requests it, and you'll be one step closer to having the whole dispute resolved.
  • Share the facts. Submit any information you can about your experience with the merchant that will help support your case. If you've never visited the merchant before, this will be important to clarify. Indicate whether you've checked with any other authorized users about whether they made the purchase. These and other facts that DoNotPay will ask you for will help them file a dispute with Chime on your behalf.
  • Finalize. Before you submit your information for the final time, check to make sure that your personal information is listed accurately. You'll also need to confirm whether you want DoNotPay to handle your chargeback request or whether you will submit the request to Chime. With your signature, DoNotPay will have everything it needs to file your dispute on your behalf.

How to File Your Own Transaction Dispute With Chime

There are several ways to submit your own transaction dispute with Chime. Choose from the following options:

Use the Chime appDownload the app, open it, and go to the home screen. Hit “View Transactions” to select the charge you want to dispute. Click on “Problem with this transaction?” and enter the required information.
PhoneChime indicates that for problems with an automated clearing house (ACH) transfer or Credit Builder transaction, you can call 1-844-244-6363 to file your dispute over the phone.
EmailEmail Chime If you would like to file your transaction dispute over email, you can contact the company at support@chime.com. Make sure to include the date and amount of the transaction, the name and address of the merchant, and your reason for requesting the chargeback.

Other Information to Include When Disputing a Transaction With Chime

If you contact Chime directly to file your dispute, the company recommends that you include as much information as possible to make your case. Examples of possible documentation to include are as follows:

  • Receipts or invoices
  • Information about delivery and shipping, including confirmation email with tracking number
  • Documentation of conversations you've had with the merchant
  • Photo evidence of damage or defects
  • A link to the merchant's web page featuring the item
  • Evidence that the price listed for the item is not what you were charged
  • Copies of any requests you previously submitted to cancel the transaction **

Chime Fraud Protection Policy

Chime takes the security of your account very seriously. First, your Chime deposits are insured by the FDIC for up to $250,000. Moreover, Chime debit cards are protected by the Visa Zero Liability Policy to ensure that cardholders are not held responsible for fraudulent charges. Security is also enhanced through the app's support of two-factor authentication and fingerprint identification.

Chime also allows you to instantly block your Chime debit card or your Credit Builder card if you find that your account information has been compromised. Simply open the chime app and disable transactions to prevent further use of your card.

How Long Does It Take to Receive a Chargeback from Chime?

A chargeback occurs when a merchant returns the money to your account from a disputed charge. If you dispute a transaction with Chime, they will investigate and will give the merchant the opportunity to show that the charge was legitimate. The merchant has 30 days to respond to the inquiry from Chime. The entire process can take anywhere from 30 to 90 days.

DoNotPay can often make the process of receiving your chargeback more efficient and hassle-free. DoNotPay does much of the legwork of getting your chargeback for you, freeing you to do other things.

What Else Can DoNotPay Do?

If a company declines to issue a refund, use DoNotPay to get a chargeback on the transaction. We can help with chargebacks such as:

DoNotPay helps with a lot more than transaction disputes. Here are some other issues we can help with:

Want your issue solved now?