How Do I Report an Overcharge on My Chime Account?

In a nutshell: Chime, a banking service that prioritizes helpful banking services and profit for its members, does not rely on minimum balance requirements, overdraft fees, or monthly service fees. If you notice an overcharge on your account, it is likely a mistake and should be addressed promptly. To dispute a charge, log in to your Chime account, view your transactions, select the overcharge, and file a dispute by providing evidence such as invoices, receipts, and conversations with the merchant. Contact Chime customer support if you need assistance. Chime will investigate the dispute and credit your account if necessary.

Introduction

Chime was founded to prioritize helpful banking services and profit for its members. For this reason, the banking model doesn’t rely on minimum balance requirements, overdraft fees, or monthly service fees. If you notice an overcharge on your account, it’s likely a mistake and should be addressed promptly. Here's how to get started.

Log In to Your Account

Before you can do anything on Chime, you must access your account. Open your mobile app or mobile browser and log in to your account.

How Do I Report an Overcharge on My Chime Account? (Step 1)

View Transactions

After logging in to your account, wait for the home screen to load fully. To access the charges list, click “Checking Account.” This opens up a new page containing your transaction history and the relevant details.

How Do I Report an Overcharge on My Chime Account? (Step 2)

Select the Overcharge

Once you access the transactions list, scroll and find the charge you want to dispute. Click on the individual transaction to access more options. Click “Problem With This Transaction?”

How Do I Report an Overcharge on My Chime Account? (Step 3)

File a Dispute

Once you click “Problem With This Transaction?” a new section is provided for you to file a dispute. Enter the required information about why you’d like to dispute the charge. You must have evidence confirming that the account charge is invalid in the form of verifiable documents. Chime investigates disputed transactions, so providing adequate information concerning the dispute is essential. You must also attempt to resolve the issue with the merchant before filing your dispute. Some of the documentation required to support your dispute includes:Invoices or receipts.Shipping and delivery information, confirmation email and tracking number.Conversations with the merchant regarding the order.Photos of the damaged product.The merchant’s description of the item with a page link.Proof that the amount you paid is different from the listed price.A written request to stop or cancel the transaction.The platform provides prompts to guide you when uploading these documents during your charge dispute process. Before proceeding, you must know whether you’d like a refund or product replacement. Additionally, input a valid reason for the dispute to avoid a request rejection.

Enter Your Reason for Dispute

Chime sorts valid disputes into merchant error, fraud, or third-party criminal. A merchant error occurs when you’re charged for services or goods not included in the agreed-upon terms with the client. Such errors include:Wrong amount chargeBilling or settlement errorDamaged items or false description
Merchant fraud happens when the merchant is illegitimate. This means the merchant doesn’t provide you with the items you purchased. In such a situation, you must attempt to recover your money from the merchant first. If the seller remains unresponsive after a while, you can initiate a charge dispute.

Criminal fraud occurs when you identify an unauthorized charge on your account. This mostly happens when a third party steals your information and makes purchases on your account.

Contact Customer Support

Contact Chime customer support if you have trouble filing the charge dispute. On the account home screen, click the chat icon with a question mark on the top left of the screen. This option takes you to the help center, and from there, you can access the help resources provided by the platform. You can chat with a support representative if you fail to get help.

How Do I Report an Overcharge on My Chime Account? (Step 6)

Conclusion

After submitting your complaint, you must now wait for Chime to investigate. Chime provides some time for the merchant to provide evidence, as well, regarding the dispute. If your claim is more substantial than the merchant’s response, Chime will file a chargeback and credit your account.

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