Why does chocolate turn white?
The white or greyish film is bloom, and it is not mould. There are two distinct kinds, with different causes.
Fat bloom is the common one. Cocoa butter can solidify into several different crystal forms, and properly tempered chocolate is set into the one that is stable, glossy and snaps cleanly. If chocolate warms enough for some of the cocoa butter to melt and then re-solidifies uncontrolled, it recrystallises into a less stable form and migrates to the surface. The result is a pale, blotchy, slightly greasy film, and chocolate that feels soft or crumbly rather than snapping.
Warm storage causes it, as does a warm delivery van or a sunny shelf.
Sugar bloom looks similar but is caused by moisture. If chocolate is stored somewhere damp, or moved from a cold fridge into a warm room so that condensation forms on it, the surface moisture dissolves some of the sugar. When the water evaporates it leaves sugar recrystallised on the surface as a rough, gritty layer.
Telling them apart: fat bloom feels smooth and greasy and often disappears briefly if you rub it with a warm finger. Sugar bloom feels dry and gritty and does not.
Both are safe to eat. Flavour is largely unchanged, though texture suffers, and bloomed chocolate is perfectly good for baking or melting, where it will be re-tempered or dispersed anyway.
Store chocolate cool, dry, sealed and away from strong smells — around 15–18°C is ideal. The fridge is a common mistake: it is both too cold and too humid, and it is what causes most sugar bloom in home kitchens.