Have you recently used the online banking platform and loan provided by Chime Capital LLC? Chime has been the focus of several class action lawsuits and under intense regulatory scrutiny that resulted in them having to stop calling themselves a bank. If you believe that Chime has misled you in an illegal way, or owes you money for some kind of damages, you don't have to keep calling their customer support hotline and praying for a resolution. This guide will help explain how to sue Chime Capital LLC in small claims court.
Introduction to suing Chime in Small Claims Court
Chime can be sued for $15,000 in their home state of Delaware in small claims court. In other states, it can be as much as $20,000.
People often sue the company for:
- Warranty not honored
- The device arrived in poor condition
- Wrongful account termination and loss of access to purchase content
The first step of suing Chime in Small Claims Court
The first and most important thing to do when suing Chime is to make sure that you sue the right legal entity. Big companies often own lots of smaller companies that are very interconnected, so be sure to review the contracts you’ve signed with Chime for any legal entities they mention in your contract with them. By suing the wrong company, even if owned by the same parent company, you can have your case dismissed and you’ll have to file another small claims lawsuit.
Finding Chime's Registered Agent
The registered agent of Chime can be found online in your secretary of state's database. We found the following information to help if you are suing Chime in their home state of Delaware:
Vcorp Services
7700 E Arapahoe Road, Suite 220
Centennial, CO 80112
How to write a Demand Letter to Chime
- On the top, in the address block, put in the company name and address:
- Next, put the subject line as 'Re: Demand for Payment
- In one sentence, tell them how much Chime owes you which you will claim in your small claims lawsuit.
- Then, in two to three sentences describe your issue. (ex: why you are owed for Failure to deliver a package)
- Finally, state in plain language that you will go to small claims court if necessary. Don't say that you will do anything else, such as speaking poorly about them.
- On the bottom, include your name and address
Dispute can also generate a demand letter for you on your user dashboard.
How to send a demand letter to Chime
After you write the demand letter to Chime, you’ll want to send it to their registered agent so that it’s guaranteed to go to the legal department. Make sure that you get a tracking number for the mail you send them. It can become important evidence in your case.
If you don't want to make the trip to the post office or drop box with an envelope and stamp, Dispute will do it for you. Save yourself time and hassle, and our team can take care of it for you.
File your small claims forms against Chime
If you end up in 30-40% of cases where the demand letter doesn't work, you can prepare and file the court paperwork for small claims court next. You’ll need to find and prepare your small claims form based on where you decide to sue. Usually, people sue where the defendant lives or does business. You just need to know the name of the party you're suing, the amount you're suing for, and answer some basic yes/no questions.
Then, wherever you decide to sue, look up the county small claims system. They’ll provide details on their website about what small claims forms are necessary. You can read more about the small claims process here.
Serve your small claims paperwork to Chime
After the court accepts your paperwork, you have to serve your court paperwork to the defendant to notify them they're being sued officially. This is also another point where people will often realize they should settle before going to court. This is the one step you aren't allowed to do yourself.
To avoid bias, the court requires you to get someone else to serve your case and file a proof of service in court (a simple statement that they swear they served the defendant). The free way to do this is to get a friend or family member who isn't part of the case to help you. The hassle-free professional way to serve court papers is to hire a process server and let them take care of it.
Go to your small claims trial against Chime
On the date of your small claims trial, be sure to arrive early and well-prepared. Bring at least three copies of all evidence you intend to present, and if your hearing is remote be sure to have provided copies in advance to the other party and to the court. Failure to follow the strict local guidelines can result in your case being dismissed, but if you’ve followed the rules then you can often win by default when the other party doesn’t show up.
How Much it Costs
So how much will you spend by suing Chime in small claims court?
- Court Filing Fees: The amount you will pay to file a small claims lawsuit depends on how much you are suing for and where you are suing. You can expect to pay between $30 to $400 to file the lawsuit. If you cannot afford to pay court fees, you can ask the court to waive the fees.
- Serving Costs: Once the lawsuit is filed, you must notify Comcast Xfinity that you have sued them. This is called "serving." Serving Costs can range from $20-100 depending upon the local area.
Remember, if you win, you can request that Chime pay for your court fees and serving costs.
The Benefits of Small Claims Court
- Court filing fees are cheaper in small claims than in other courts.
- The process is faster in small claims than in other courts, as your hearing will usually be scheduled 30-70 days after you file the lawsuit.
- Lawyers are generally not allowed in small claims, which helps keep the costs of suing low.
Taking the First Step in Your Lawsuit
If all of this work seems complicated or daunting, rest assured that it's easier than it initially seems. 2.7 million small claims court cases are filed annually in the US, which is only growing as more people realize how easy it is to enforce their legal rights in court.
There's no rush. But when you're ready to sue Chime, you can get started with a simple demand letter online. Please get in touch with us if you have any additional questions.
