How Do I Report Fraud on My Bank of America Account or Card?
This guide was created to help consumers when they experience a lost or stolen card or checkbook, or if their Bank of America online account is accessed without authorization. Read our guide to learn how to access online self-service options to dispute unauthorized purchases and secure compromised accounts. You can also learn how to cancel a credit or debit card that has been lost or stolen and request a new card to be mailed out.
If you suspect recent transactions placed to your Bank of America account were fraudulent, there are simple steps you can take to restrict your account and recover your funds. Follow these steps to place restrictions against further purchases made from your card or account as well as dispute fraudulent purchases. You can also reach out to Bank of America's customer support team to file a dispute with a helpful representative who can also advise you on the best way to prevent fraud in the future.
To begin, log in to your Bank of America online banking account. From there, you'll be able to report your card lost or stolen, as well as dispute any charges that have been placed against your account without your permission.
If you know that there has been a fraudulent charge made on your account, follow these simple steps to dispute the charge so that Bank of America can reverse the charge and refund your money.
Step One: Find the fraudulent charges to dispute by clicking your recent transaction history. Scroll through your charges to find any that you don't recognize, and select them.
Step Two: Once you've loaded the unfamiliar charge, you can click the blue "Dispute this transaction" link under the transaction information.
Step Three: Follow the steps to input all the information needed to dispute the charge, making sure to enter any information that you may have about where the charge came from.
Step Four: Submit the charge dispute. A banker will review the information and contact you when an action has been taken to settle the dispute.
If your credit or debit card has been lost or stolen, follow these steps to cancel it and request a new one.
Step One: Log in to your Bank of America online account, and click the Account & Card Security tab at the top of the screen.
Step Two: Select the account/card that has been compromised, and follow the website prompts to cancel your card. From here, you'll be asked to order a replacement card.
If you want a replacement card immediately, you can choose to go into the Bank of America nearest you and speak with a banker who can help you cancel the compromised card and issue you a temporary card to use while you wait for your new card in the mail. The banker will also be able to provide you with advice on securing your account.
Using Bank of America's online self-service options, customers can easily take charge of their account security and get back money lost due to fraudulent activity. After accessing your Bank of America account online, you can easily find the options to report cards lost or stolen, dispute charges, and find helpful tips and services to increase account security. If you can't access your account or need to speak directly with a live representative, call the Bank of America customer service phone number to quickly reach someone who can help. You can go into a local Bank of America location to request a new card, but disputes will have to be filed online, a phone representative can walk you through the process.
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