How do I dispute a charge on Chime?

In the Chime app only: select the transaction, tap 'Problem with this transaction?', and follow the prompts. If you cannot file in the app, call Chime Member Services at (844) 244-6363. Chime has no branches, so there is no in-person route.

Can I dispute a pending Chime transaction?

No — Chime's own help page states pending transactions can't be disputed. If a pending transaction is unauthorized, disable (freeze) your card in the app to help prevent additional charges, then file once the charge posts.

How long do I have to dispute a Chime charge?

Chime publishes no fixed filing deadline on its dispute page. The binding clock is federal law: under Regulation E you must report an error within 60 days after the statement was sent. Chime's own temporary-credit page confirms the same 60-day boundary for late notification claims.

Does Chime give a temporary credit during a dispute?

Sometimes, and Chime says 'may', not 'will': if Chime cannot resolve your dispute within 10 business days (20 for new accounts), it may apply a temporary credit while investigating. Unauthorized, duplicate, wrong-amount and canceled debit transactions may be eligible; non-receipt, returned merchandise and not-as-described cases are not.

What can I do if Chime denies my dispute?

Ask Chime to reconsider with genuinely new evidence, ask for the denial in writing and the investigation documents, then file a complaint with the CFPB at consumerfinance.gov/complaint. Name both Chime and your partner bank (The Bancorp Bank or Stride Bank, shown in your app) — Chime is a financial technology company, not a bank.

Chime Dispute Navigator: App-Only Guide

How the math works

The clocks on a Chime dispute, honestly labeled

Chime's dispute page publishes no fixed filing deadline, so this tool does not invent one. Every date in the navigator comes from one of these sources — labeled by who sets it:

Clock	Who sets it	The rule
Reg E 60-day notice	Federal law	Error notice within 60 days after the statement was sent (12 CFR 1005.11). Chime's own temporary-credit page confirms the same boundary: notice more than 60 days after the transaction first appeared on the statement is a late notification claim.
Temporary credit	Chime's own help page	If Chime cannot resolve your dispute within 10 business days (20 for new accounts), it may apply a temporary credit while investigating — eligible types only; non-receipt, returned merchandise and not-as-described are excluded.
Recurring-charge stop	Chime's own help page	Contact Chime at least 3 business days before your next scheduled payment so it can try to stop a recurring charge.
Network filing window	Card-network norm — not Chime-published	Visa/Mastercard frameworks let the issuer file most dispute categories up to about 120 days from the transaction processing date.

How to file with Chime

Chime has no branches, so there is exactly one route: in the app — select the transaction, tap "Problem with this transaction?", and follow the prompts. Only posted charges can be disputed. If a pending charge is unauthorized, freeze the card in the app (Profile, Cards, Freeze card toggle) and wait for it to post. If you cannot file in the app, call Chime Member Services at (844) 244-6363. Track the case from the "Check your dispute status" banner at the top of the home screen.

The traps this tool exists to catch

Three traps, all from Chime's own pages: a pending charge cannot be disputed at all, so waiting for the form wastes the days that matter; a temporary credit is "may", not "will", and three common merchant-problem types never get one; and Chime is a financial technology company, not a bank — banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC — so an escalation that names only "Chime" misses the bank behind the account. Read the full breakdown in how to dispute a Chime charge — the complete guide.

Want the full Chime playbook?

Pending vs posted step by step, what Chime asks for, temporary-credit eligibility by dispute type, the 60-day vs 120-day picture, and the denial ladder — with the navigator above the fold.

Read the Chime dispute guide

Sources (verified October 28, 2026): Chime Help Center — "How do I dispute a charge on my card?" (help.chime.com) for the app flow ("Problem with this transaction?"), the pending-charge rule, the freeze/replace/password steps, the 3-business-day recurring rule, the dispute-status banner, and the (844) 244-6363 number; Chime Help Center — "What's a temporary credit and how does it work?" (help.chime.com) for the 10/20-business-day "may" rule and the full eligible / not-eligible lists; Regulation E (12 CFR 1005.6, 1005.11) for the debit-card 60-day notice, 10-business-day investigation / provisional credit, and liability tiers; chime.com — "What is Chime? Is Chime a bank?" for the partner-bank statement (The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC); Visa/Mastercard chargeback dispute-timeframe norms for the ~120-day issuer filing window (network norm, not Chime-published). Your account agreement is the final word.

General information only — not legal advice. Chime's terms change and your account agreement governs your dispute. Verify deadlines with Chime and, for federal rights, the Regulation E text itself.

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