How to dispute a charge at Chime
Chime gives cardholders 90 days from the statement date to file a dispute. Chime typically resolves disputes within 21 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window90 days from statement date
Chargeback window120 days from transaction date
Typical resolution21 business days
Debit card vs credit card protections
Debit card (Reg E)
Neobank — longer initial dispute window
Credit card (Reg Z)
N/A — debit only
How to file at Chime
- 01Online: chime.com support
- 02Chat: App
- 03Email: support@chime.com
CFPB complaint data
The CFPB received 10,686 complaints about Chime in the past 12 months. 7% were closed with monetary or non-monetary relief. The most common issues:
- Managing an account3,665
- Problem with a lender or other company charging your account1,791
- Closing an account816
Data from the Consumer Financial Protection Bureau complaint database. Updated daily.
Generate your Chime dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with Chime-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
Write my Chime dispute letter →