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How Do I Cancel or Stop a Payment with Bank of America?

Jul 9, 2020

If you need to stop payment on an item you purchased with a Bank of America account, the first thing you should do is contact the merchant directly and ask them to reverse the charge. This will usually be the quickest, easiest way to resolve the matter. If the merchant is unwilling or unable to help you, you can contact Bank of America to dispute the payment.


Stopping the Payment Online

  1. Go to the Bank of America home page.
  2. Click on the Login link.
  3. Log into your account.
  4. Navigate to your credit card account.
  5. Click on Information & Services tab.
  6. Click on the Dispute a Transaction link.
  7. Select the statement period for the disputed transaction.
  8. Click on the transaction button.
  9. Click on the Continue button.
  10. Provide all information requested in the fields provided.

Stopping Payment by Phone

Make sure you have your credit or debit card number, billing statement, and merchant information ready. Call Bank of America's customer service line. Follow the prompts to speak to a customer service representative. Tell them your reasons for disputing the charge and provide them with any additional information they request.

Stopping Payment in Writing

Send a letter with a written description of why you are disputing the charge and a copy of the billing statement to:

Bank of America
PO Box 25118
Tampa, FL 33633-0900

Once the bank receives your request it will temporarily suspend the charge from your account, and you will not be responsible for it while they investigate the matter. This investigation can take as many as sixty days. If the bank decides to stop the payment, it will make the suspension of the charge permanent. If the bank decides you do not have grounds for stopping the payment, you will owe the disputed amount, but will not have to pay any interest for the time the bank was conducting its investigation.

If you have any questions during this process, you can contact the Bank of America's help forums, chat room help, or customer service phone line.

Further questions?

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Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

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