# How Long Does Chime Take to Refund Mistaken Payments?
Sending money to the wrong person on Chime can be annoying, especially when you need that cash back. Unfortunately, Chime, like many other digital banks, doesn’t promise refunds for these mistakes. Still, there are a few steps you can try to get your money back. Here’s what you should know.
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## Can Chime Reverse a Payment to the Wrong Person?
Chime does transactions fast, so it’s tough to cancel or reverse a payment once it goes through. What you can do depends on how the money was sent:
– **Pay Anyone (P2P Transfers):** If you used Chime’s peer-to-peer transfer feature, they **can’t automatically reverse** it. You’ll have to reach out to the person who got the money and ask them to send it back.
– **Bank Transfers (ACH/Wire):** If you sent it via ACH (like direct deposit or another bank), you might have a **better chance** to stop it if you act fast. Contact Chime support right away—if the transfer isn’t complete yet, they might be able to cancel it.
## How Long Does a Refund Take?
The time it takes to get your money back can vary:
1. **If the Recipient Agrees to Return the Money**
– The money could be back in your account within **1-3 business days**. This is the quickest way to recover your funds, but it hinges on the other person’s willingness.
2. **If You File a Dispute (Unauthorized Transaction)**
– If you think the transfer was a scam, you can dispute it with Chime.
– Investigations usually take about **10-45 days**, depending on the situation. If Chime finds in your favor, you’ll get your money back.
3. **If the Money Can’t Be Recovered**
– Sadly, if the recipient won’t return it, Chime **can’t force a refund**. There are rare cases where Chime might try to mediate, but there’s no guarantee it’ll work.
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## How to Avoid Sending Money to the Wrong Person
– **Check the recipient’s details** before hitting confirm.
– **Do a $1 test transfer** to make sure you’re sending it to the right person before larger amounts.
– **Turn on transaction alerts** to spot mistakes right away.
## Final Thoughts
Chime doesn’t guarantee refunds for sending money by mistake, so it’s key to act quickly. If the other person agrees to send it back, you could see it in your account in **1-3 days**. Disputing it may take **weeks** to resolve. Always double-check details before sending cash to avoid these issues.
Have you ever sent money to the wrong person using Chime? Feel free to share your story in the comments!
