Chime: cancellation problem
Close the account by calling Chime.
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 32 sources are the organization's own pages or government sites.
Collect
- cancellation confirmation number or email
- date you cancelled
- charges after that date
Steps
Call 1-844-244-6363 to close your checking account.
Facts you can cite
- Process
The agreement says you may cancel it by calling 1-844-244-6363 to close your Checking Account.
Source: chime.com, verified 2026-10-13
Rules in force
- Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
3 citable points
- Policy
Before obtaining the consumer's billing information, the seller must provide text that "clearly and conspicuously discloses all material terms of the transaction".
Source: law.cornell.edu, verified 2026-10-12
- Policy
The seller must provide "simple mechanisms for a consumer to stop recurring charges" on the consumer's credit card, debit card, bank account or other financial account.
Source: law.cornell.edu, verified 2026-10-12
- Process
A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.
Source: law.cornell.edu, verified 2026-10-12
- Policy
Rules not in force (do not cite)
- FTC "Click-to-Cancel" amendments to the Negative Option Rule (2024) Vacated16 CFR part 425 (2024 amendments, published November 15, 2024)
Vacated in full by the Eighth Circuit on July 8, 2025 (Custom Communications, Inc. v. FTC, 142 F.4th 1060). The FTC removed the 2024 text effective February 12, 2026 and restored the pre-2024 prenotification rule. A new rulemaking is only at the ANPRM stage (March 13, 2026), with no proposed text as of 2026-10-12. What remains in force: ROSCA (rules/rosca-negative-option), Section 5 of the FTC Act, and state automatic renewal laws (for example rules/ca-automatic-renewal-law, rules/ny-automatic-renewal-law).
Not in force. Do not cite it as current law.
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
AppLive chat in the Chime app Chime app > Profile > Help > Chat Sign-in requiredCustomer service
Written complaint
MailChime Member Services (written error disputes and correspondence) Chime Member Services, P.O. Box 417, San Francisco, CA 94104-0417Federal regulator
Federal regulator
RegulatorOffice of the Comptroller of the Currency, Customer Assistance Group (HelpWithMyBank) +1-800-613-6743The OCC supervises Chime's partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.), not Chime itself.
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Arbitration
The deposit account agreement has an AAA binding individual arbitration clause; the agreement checked shows no opt-out procedure.
Watch out
- Most help is in the Chime app, which needs the member's sign-in.
- Phone support verifies the account holder.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
I cancelled Chime on [date] and they still charge me. Use Escalate Anything to stop it and get refunded.Source code, other install options and the Claude Code plugin