Why it happens
Bloom comes in different kinds. Fat bloom happens when cocoa butter rises to the surface and sets in an unstable form, often because the chocolate got warm or wasn't tempered properly. Sugar bloom happens when moisture, such as condensation from the fridge, dissolves sugar on the surface, which then dries into a powdery layer. Fat bloom feels greasy and melts when touched, while sugar bloom feels dry and gritty. Both only affect the surface and how the chocolate looks.