How To Win A Dispute With Chime ( Quick Method )

In our today’s guide, you will learn how to win a dispute with Chime easily. So if you are a user that has some form of transaction dispute with the app but are not sure of winning the case or wants to know the possibility of winning a dispute, then this piece is written just for you. Carefully go through the lines and paragraphs of this work and you will be glad you did.


Chime is fast becoming one of the most used digital payment apps. And as its user base increases, so also do transaction issues. Such issues prompt users to file transaction disputes. However, many people want to know the best way to win such disputes. Therefore this article is here to give you a step-by-step guide on how to win a dispute with Chime easily. Follow me as we get into the details. 

Can I Win A Dispute With Chime?


Yes, you can win a dispute with Chime. Although it takes a long time, there have been reports of users who won disputes with the app. However, it requires patience and taking the right steps. If your dispute is filed correctly and with valid reasons, you surely will win it. See how to win a dispute with Chime in the next paragraph. 

How To Win A Dispute With Chime


To win a dispute with Chime, you must take the following steps. 

Step 1: Make Sure Your Reasons Are Valid

Chime will not investigate your case if the reasons for filing the dispute are not valid. Valid disputes according to Chime are Criminal fraud, merchant fraud, and merchant error. Some of the cases counted as a part of these categories are; unauthorized charges especially with stolen information, merchant’s failure to deliver purchases and not abiding by regulations, wrong charges, billing error, damaged items, failure to process return, etc. 


So if your dispute falls into any of these, it is counted as a valid dispute. Hence it can be disputed. Read on to see the next step to take toward winning the case. 

Step 2: Compile All Evidence


The next step to win a dispute with Chime is to make sure that all verifiable evidence regarding the transaction in question is complete. If your dispute is not compelling, you might not be able to win the case. So file a compelling dispute by providing proof beyond doubt that the charge on your account is invalid and that all efforts to resolve it with the merchant have proved abortive. 

Some of the documents that you will need are receipts or invoices, tracking number, confirmation email, delivery or shipping details, screenshots of your previous conversation with the merchant about this transaction, description of the item(s) with a link to the page or website where applicable, your request to cancel the transaction, and so on.

Step 3: File A Dispute


After getting all of that ready, it is time to file a dispute. Here are the simple steps to take to get the issue across to Chime.

  • Log in to your Chime account. 
  • Select “View Transaction” on the home screen. 
  • Click on the charge you wish to dispute. 
  • Now click on “Problem with this transaction?” 
  • Follow the prompts to enter the required information 
  • Click on Submit to send the dispute. 

Step 4: Upload Your Documents


To further enhance your chances of winning the dispute with Chime, upload all evidence that you have earlier gathered regarding the transaction. Here is how to do that. 

Go to the dispute tab on the home page of your Chime account. Choose the dispute that you wish to upload the documents to. Click on the ellipse (three dots …) at the top right corner of the page. Now scroll through the options and select “Add Supporting documents”. Follow the prompts to upload all documents and click on Submit. Now tap “Got it” to return to the home screen. 

Step 5: Wait For Chime To Investigate And Send A Final Decision


After doing all of the above, Chime will investigate the dispute and send the final decision to you. This usually takes a long time as explained in the next paragraph. In the meantime, however, Chime will provide you with temporary credit or chargeback. 

How Long Does It Take To Win A Dispute With Chime?


The process of winning a dispute with Chime could take between 45 to 90 days depending on the transaction that is being disputed. For Chime”s Pay Anyone disputes, ATM, and ACH disputes, it is usually won within 45 days. However, all other transactions could take up to 90 days after filing to get the final decision.


How Do I Check The Status Of My Dispute With Chime? 


After filing a transaction dispute to Chime, you could occasionally check to know the status of the dispute. And this is very easy to do. Take the following steps to know the status of your Chime dispute. 

  • Log in to your Chime account on the mobile app. 
  • Click on “Disputes” on the home screen. 
  • Choose between the Open and Close tabs to find your dispute ticket.
  • Now, select “view details”
  • Click on the sign that looks like an inverted triangle “>” beside the charge.
  • There you will get an accurate timeline view of your transaction dispute. 

How To Cancel A Transaction Dispute With Chime

Chime allows you to cancel your dispute while it is still processing. This could happen if the issue with the merchant was resolved before the app gave its final decision. See the steps to take to cancel such a transaction dispute. 

  • Log into your account on the Chime mobile app
  • Click on “Disputes” on the home screen.
  • Select the claim or dispute that you wish to cancel. 
  • Click on the three dots (…) at the top right corner of the screen 
  • Tap “Request to remove transaction”

With this done correctly, Chime will notify you of the cancellation and all investigations on the case will be stopped immediately. If you have previously gotten a provisional credit from the institution, it will be deducted from your account. 

Does Chime Deny Disputes?


Some of them could be rejected if the reasons given for the transaction dispute are invalid when considered by the support team. This is usually known as dispute denial. So, it is safe to say that Chime does deny some disputes. Below are some of the reasons why Chime would deny your disputes.

  • A relative or friend purchased goods with your account.
  • You no longer like or need the item purchased.
  • You were impatient for a refund. 
  • Items were not returned within the merchant’s return policy.
  • Not going through the merchant’s valid return method, etc.


Transaction disputes with Chime can be won if the right steps are taken. This article has shown you how to win a dispute with Chime. So get all the needed documents and follow the steps right away.