Chime is a mobile-only American bank. Customers can sign up online for a Chime savings account, visa card, or debit spending account. The company was founded in 2013 and self-proclaims to be "one of the fastest bank accounts in America."
If you have noticed an overcharge on your Chime account, it's essential you report it immediately. Keep reading for all the different options you can take to report an overcharge to Chime.
First, determine if you think you have been overcharged by the bank or if there are unrecognized transactions on your account. If the charges are fees from the bank, you need to contact the bank. The only fees that Chime charges are for ATM fees that are out-of-network and over the counter fees of $2.50 per transaction. Chime doesn't have any overdraft, transfer balance, or minimum balance fees.
If the charges are unauthorized transactions, you will need to freeze your account first. It's likely that your cards and account have been compromised. Freezing your account ensures that no more transactions are made from your account. Time is of the essence any time there are unauthorized transactions on your account. If you wait too long, and the thief continues to use your account, the bank can hold you liable for not alerting them.
Go to www.chime.com
In the top right corner of the screen, click on 'Log In.'
Sign in to your account with your email address and password.
Click on 'Settings.'
Turn off 'Chime Card Transactions.' This will immediately prevent your account from being used in any ATM transactions or debit card transactions.
Next contact the Chime Customer Support team for additional support.
You can email the customer support team about your overcharge. Provide as many details as possible, including the charge amount and date, so the issue can be resolved as quickly as possible. It may take several days to receive a response from the team.
You can call the Chime Customer Support Team. Ask the customer support agent about the charges. If you receive approval for the charges to be reversed, ask for an email confirming this verdict. Keep the customer service agent on the phone with you until you receive that email and have reviewed its contents.
After thousands of Chime customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Report an Overcharge on My Chime Account? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Chime if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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