How Do I Report an Overcharge on My Chime Account?

Introduction

Seeing an overcharge on your Chime account can be frustrating, especially if you're working on a tight budget. While you can report the issue directly to Chime, it’s best to contact the merchant first, as many overcharges are simple mistakes that can be resolved quickly. Before sending an email or making that phone call, review the transaction carefully. Compare the charged amount with the receipt or confirmation email, and ensure it has been posted and is not pending. Once you’ve confirmed the details, you can move forward with the steps to report the overcharge or incorrect amount to Chime.

Open the Chime App and Tap Your Account

Select the account with the overcharge transaction you want to report.

Click the Transaction You Want to Report

Review the list of transactions in your account and select the one you want to report. Pending transactions appear at the top of the list, but these can’t be disputed yet. Only completed transactions are eligible for disputes. If the charge is an overcharge and has already posted, tap the transaction to continue.

Tap Problem With This Transaction

To report the overcharge, tap on Problem With This Transaction and follow the on-screen prompts to report the transaction to Chime.

If the transaction is still pending, wait until it has fully posted before reporting it to Chime. When submitting a dispute, be sure to include any relevant documents that support your claim. This may include confirmation emails from the merchant, invoices or receipts, tracking numbers, records of conversations with the merchant, or shipping and delivery details, or whichever applies.

If you prefer to submit your dispute to Chime in writing, proceed to the next step.

Contact Support and Ask for the Dispute Form

Would you prefer to report the overcharge in writing? Contact Chime Support and request a dispute form. Complete the form in full, select Incorrect Transaction Amount, and clearly indicate the overcharged amount. Be sure to attach any supporting documentation. If you only have screenshots, it’s recommended to print them before submitting the form.

You can still use your account while waiting for the dispute results. If you got a temporary credit, do note that this may be reversed depending on the result of the investigation. For multiple overcharged transactions, this will be investigated individually.

Check the Status of the Dispute

If you wish to check the status of your dispute, just tap the Disputes tab and click the transaction you want to view. If it's approved, you should get a refund sent to the original payment method.

Note that you can use the same tab to add supporting documentation to the dispute. Just click Add an Image to add a screenshot of the overcharge.

For those disputing multiple transactions and adding more than 10 images, you need to contact Support.

Conclusion

After submitting your dispute, monitor your account for updates or wait for Chime to contact you. If Chime requests additional information, respond promptly and ensure all details you provide are accurate. It’s also a good idea to keep records of your transactions, including invoices and receipts. Dispute investigations can take several weeks to complete, so patience is important. If you have any additional questions or concerns about reporting an overcharge, you can contact Chime Support at any time.