Chime Refund Policy
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How to Get a Refund — Step by Step
- 1Wait for the merchant to issue the refund; it appears in your Chime transaction history once it posts.
- 2If you're waiting on a refund, contact the merchant first — it may be faster than a dispute.
- 3If the merchant doesn't resolve it, file a dispute in the Chime app: select the posted transaction and tap "Problem with this transaction?".
- 4Track the dispute with the "Check your dispute status" banner at the top of the app's home screen.
When You Can Get a Refund
- Refund timing depends on the merchant and payment network; Chime refunds usually go back to the account used for the original payment.
- If a merchant cancels a pending charge or lets it expire (a payment reversal), the money returns to your Available balance within 5-7 business days from the reversal date.
- Pending transactions cannot be disputed; you must wait for the transaction to post.
Dispute Process
- For a product or service you received (for example, waiting on a refund), Chime suggests contacting the merchant directly first for a faster resolution.
- To file a dispute, tap the account with the transaction, select the posted transaction, tap "Problem with this transaction?" and follow the prompts.
- If you can't file in the app, call Chime at (844) 244-6363.
- Most disputes are resolved within 45 or 90 days; if the investigation takes more than 10 business days (20 for new accounts), Chime may apply a temporary credit.
- Disputes reported more than 60 days after the transaction first appeared on your statement are late notification claims and aren't eligible for a temporary credit.
- Check your dispute's status with the "Check your dispute status" banner at the top of the home screen.
Additional Notes
- Refund timing varies by merchant and payment network; once Chime starts a chargeback it can't be canceled, so contacting the merchant may be faster.
- Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A.
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What Redditors Are Saying
Chime Walmart dispute
Am I screwed? I recently filed a dispute with chime because I made a Walmart+ delivery order for around 600$ Unfortunately the delivery driver dropped the package off at the wrong house and it was never seen again. I contacted Walmart support where the main support could obviously see it was dropped
Chime dispute denial, despite merchant admitting error during transaction
Sent chime screenshots of all of every chat thread and email, even a screenshot of when Instacart told me l was ineligible for a refund due to the transactions being flagged. How could Chime possibly find in favor of Chime? This is unacceptable and I want my money back, also I requested the document
Can you give me advice on a Chime Dispute?
I made a dispute with Chime Several of them actually as someone skimmed my card last year, (June and July) I got the Card replaced and all So Basically the Charges were like this ​ 1165.78 -> This has not been refunded 45.99 11.99 8.99 9.99 21.99 etc Every Small Charge that was charged
Getting no answers from chime support, will a refund go onto a new card?
An account of mine was hacked and my chime card was used to buy products. I let the merchant know and filed a dispute with chime. Chime dispute was denied but the merchant says that they have issued a refund. When I asked chime when the refund would come through (it's been 5 days) they told me that