By Chargeback Clock · Updated October 2026 · 8-minute read
To dispute a Chime charge, open the Chime app, tap the posted transaction, and tap "Problem with this transaction?" — there is no branch to walk into and no separate dispute desk. Start with the Chime dispute navigator to get your exact deadline and filing plan, then use this guide for the full playbook.
File in the Chime app: select the transaction, tap "Problem with this transaction?", and follow the prompts to submit your dispute. That is Chime's own published flow, word for word, and there is no alternative route — Chime has no branches. If you cannot file in the app, call Chime Member Services at (844) 244-6363. After filing, track the case from the "Check your dispute status" banner at the top of the home screen, which shows the dispute timeline and current status.
For a card that is lost, stolen, or used without permission, Chime's guidance adds three steps alongside the dispute: freeze the card (Profile, Cards, Freeze card toggle — green means frozen), request a replacement card (Profile, Cards, Replace card — the old card is then deactivated), and update your password immediately. Do all three the same day you file.
The pending-charge trap
Pending transactions can't be disputed — that is Chime's own note, and it is the single most common reason Chime users think the dispute system is broken. The app simply will not offer a dispute on a charge that has not posted. If you believe a pending transaction is unauthorized, Chime says to disable your card in the app to help prevent additional charges — then wait for the charge to post and file from the posted transaction itself.
Freezing stops new charges; it does not cancel the pending one, which is already queued to settle. For a recurring charge, a separate Chime rule applies: contact Chime at least 3 business days before your next scheduled payment so it can try to stop the charge — and cancel with the merchant in writing too, because a freeze alone does not end a subscription.
The 60-day clock Chime does not publish
Chime publishes no fixed filing deadline on its dispute page, so the binding clock is federal law: under Regulation E, report the error within 60 days after the statement was sent. Treat today as the real deadline regardless — Chime's own fraud guidance says to act quickly on unauthorized use, and the 60-day mark carries a second penalty: Chime's temporary-credit page defines a late notification claim as notice received more than 60 days after the transaction first appeared on the statement, and late notification claims are not eligible for a temporary credit.
Past 60 days but inside about 120 days of the transaction, a second window may still help: the card-network norm (not Chime-published) lets the issuer file most dispute categories up to about 120 days from the transaction processing date. You cannot invoke it directly — you file through Chime, and Chime decides what to file — but it is why a late dispute is still worth filing in writing. Run your dates through the navigator to see both clocks side by side.
What Chime asks for — and the evidence that decides cases
Chime asks for as much of the following as possible: receipts or invoices, delivery and shipping information, confirmation emails, tracking numbers, your conversations with the merchant, photos of defective or damaged merchandise, the description of the item on the merchant's website with a link, evidence the price you paid differs from the listed price, and requests to cancel or stop the transaction in writing. Gather it before you tap "Problem with this transaction?" — the form is easier to complete once than to amend.
Unauthorized: when you first noticed it, whether the card is lost/stolen or in your possession, and who else has access to the card or account. Your federal liability tier ($50 if reported within 2 business days of learning of the loss, up to $500 within 60 days of the statement, potentially unlimited after) turns on that first-noticed date.
Wrong amount: the receipt or order confirmation showing the agreed amount next to the statement showing what was billed, plus the merchant page link showing the listed price.
Not received: order confirmation with the promised delivery date, tracking showing it never arrived, and your messages asking the seller where it is.
Not as described: screenshots of the listing as it looked when you paid (with its link), photographs of what arrived, and your messages with the seller.
Subscription kept billing: the written cancellation request and confirmation, the cancellation date, and the statements showing charges after cancellation.
For merchant problems, Chime's own guidance says you may want to reach out to the merchant directly first for a faster resolution — do it, and keep the messages, because Chime asks for them when you file.
Temporary credit: who gets one and who never does
Chime may apply a temporary credit if it cannot resolve your dispute within 10 business days (20 business days for new accounts) — note "may", not "will", and note that a temporary credit is not proof of a decision in your favor and may be removed. That "may" is doing real work: Chime's own page splits dispute types into two lists, and the split decides whether you should plan around money coming back while the case runs.
May be eligible: debit-card unauthorized, canceled, duplicate, paid-by-other-means, incorrect-amount, ATM non-dispense / partial dispense, and credit-not-processed transactions; all ACH transactions; Pay Anyone unauthorized, incorrect-amount/recipient (transaction error only), and non-member-error transfers; Flex transactions that settle as debit.
Not eligible: debit-card non-receipt of goods and services, merchandise returned, and goods/services not as described; late notification claims; Flex transactions that settle as credit; all credit card transactions.
Two honest gaps: Chime's page does not define "new account", so if your account is recent, ask Chime whether the 20-business-day figure applies to you. And a kept-billing subscription sits between the lists — Chime lists "canceled transaction" as eligible but does not list "subscription kept billing" by that name — so ask Chime which label your case carries and get the answer in writing.
Chime is not a bank — why that matters for escalation
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. That matters twice. First, there is no branch manager to escalate to — the app, in-app chat, and (844) 244-6363 are the routes that exist. Second, when you escalate outside Chime, name both Chime and the partner bank shown in your app: the partner bank is the regulated institution behind the account, and a complaint that names only the app brand can be routed to the wrong desk.
Denied? The escalation ladder
Ask Chime to reconsider with genuinely new evidence first — duplicate or substantially identical evidence does not count as new, so bring something the first filing lacked. Many reversals happen here, and it costs nothing to try before going outside.
Ask Chime to reconsider in writing — with new evidence, not the same packet.
Ask for the denial in writing and the investigation documents — federal law gives you the right to see what Chime relied on.
File a CFPB complaint at consumerfinance.gov/complaint, naming both Chime and your partner bank. The Consumer Financial Protection Bureau forwards it to Chime, which must respond.
Get your exact plan first: run your situation and charge status through the Chime dispute navigator — it maps the pending-vs-posted branch, the 60-day clock, temporary-credit eligibility, and the escalation ladder for your case.
FAQ
In the Chime app: 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.
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, then file once the charge posts.
Chime publishes no fixed filing deadline. The binding clock is Regulation E: report the error within 60 days after the statement was sent. Passing 60 days also ends temporary-credit eligibility.
Chime says "may": if it cannot resolve your dispute within 10 business days (20 for new accounts), it may apply a temporary credit — but non-receipt, returned merchandise and not-as-described cases are not eligible, and a temporary credit may be removed.
Ask Chime to reconsider with new evidence, ask for the denial in writing and the investigation documents, then file a CFPB complaint at consumerfinance.gov/complaint naming both Chime and your partner bank.
Sources
Sources (verified October 28, 2026): Chime Help Center — "How do I dispute a charge on my card?" (help.chime.com) — the app flow, 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) — the 10/20-business-day "may" rule and the eligible / not-eligible lists; Regulation E (12 CFR 1005.6, 1005.11) — the 60-day error notice, 10-business-day investigation, provisional credit, 45-day extended investigation, and liability tiers; chime.com — "What is Chime? Is Chime a bank?" — banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC; Visa/Mastercard chargeback dispute-timeframe norms — the ~120-day issuer filing window (network norm, not Chime-published). Your account agreement is the final word on your account.
General information only — not legal advice. This guide applies Chime's published help pages and Regulation E as verified on October 28, 2026. Chime's terms change and your account agreement governs your dispute. When in doubt, contact Chime in the app and, for federal rights, consult the Regulation E text itself.
Chargeback Clock