In a nutshell: If you find a charge that you are certain you didn't make on your Bank of America account, or a charge for the wrong amount, you need to know how to dispute the charge with the bank. The process is not too difficult, but it may take some time to resolve the dispute.
If you find a charge that you are certain you didn't make on your Bank of America account, or a charge for the wrong amount, you need to know how to dispute the charge with the bank. The process is not too difficult, but it may take some time to resolve the dispute.
You can only dispute posted transactions. Pending charges are not disputable because they are temporary and subject to change, such as when a rental company places a hold on your account to cover potential additional charges. If you have questions or concerns about a pending charge, contact the merchant and ask about it.You must dispute the charge within 60 days of the date of the statement of which the charge appeared.
Before you contact Bank of America, gather together all of the evidence that you can of your claims, including bank statements and any records of communication between you and the merchant.If you suspect that there has been fraudulent activity on your account, contact Bank of America immediately and tell them about it, so they can take steps to protect your account from further losses.
Bank of America does not require you to try to resolve matters with the merchant yourself, first, but they do encourage it. Because the bank will need to know certain things about and from the merchant, doing so will most likely save you time when and if you do decide to involve Bank of America.
To dispute a charge on the Bank of America app, skip to step 6.
To check on the status of your dispute, skip to step 11.
This applies both to checking your status on the app and on a computer.
The amount of time it will take Bank of America to investigate your claims and come to a decision will vary depending on the circumstances.
If you have any questions, call a Bank of America customer service representative for answers. The customer service center is open from 8:00 am to 11:00 pm EST from Monday to Friday and from 8:00 am to 8:00 pm EST on Saturdays and Sundays.
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