Bank of America Fraud Reporting

Phone Number & Getting a Rep

Bank of America Fraud Reporting number

877-366-1121
Toll-free·Calls Fraud Reporting·See main phone number & contact info
Q:

How do I talk to a human at this Bank of America number?

A:Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud.
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Fri 8am-9pm EST. The least busy day is Monday, and the most busy day is Friday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America Fraud Reporting?

A:The average hold time is 24 minutes. The longest hold times are on Thursday, and the shortest are on Tuesday.

All Bank of America customer service contact information

This is the #8 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

704-386-5687
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

877-768-9836
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Home Loans

800-285-6000
Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Bankruptcy

800-669-5224
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

Credit Cards

800-732-9194
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

800-421-2110
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

877-833-5617
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

315-724-4022
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

Customer Service

800-518-0479
Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud.
Here is how our research team describes the way the Bank of America phone system greets you: Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.
Below are some clips we've found from Bank of America's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to say or enter information

"This call may be recorded. Welcome to Bank of America Claim Services.
To assist with the disputes I understand you would like to speak with someone.
I didn't understand. Please say or enter your telephone access ID."
Excerpt from a call with Bank of America
Saturday, March 30, 2024 10:25 PM

What are the hours and when should I call?

Bank of America operates the call center for this 877-366-1121 phone number Mon-Fri 8am-9pm ET. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 70,005 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Bank of America is Monday. The most busy day to call is Friday. Again, this is based on a sample of 70,005 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Thursday.

The best time to call

In summation, the best day to call Bank of America is Monday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Monday.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Jan 17, 2024

As a general habit, every couple of days I check my debit card statement to make sure all the charges are valid. I've heard of micro-scammers who take a little bit at a time before going in for the big haul. My sister was once the victim of identity fraud, so now I pay extra close attention to things. This morning, while running through my charges while I was waiting for my coffee, I noticed two charges that didn't look right. I don't remember making them and I don't recognize the merchant, so I immediately looked up the number for Bank of America and made the call. 

There are a lot of reasons why people might end up calling Bank of America. They may want to talk about their checking account or they may want to talk about loans. Other people like me, might be concerned with fraud, so I would understand if I had a long wait in front of me. The wait wasn't too bad, but the automated system made it hard to get anywhere. Once I got out of that system the phone call wasn't so bad. 

I knew it would take a bit, so I waited until I was driving on my morning commute to call, and was greeted by an automated voice assistant, who said, "This call may be recorded. Welcome to Bank of America claim services. To assist with the dispute office, please say or enter your telephone number, account number or access ID?" I was driving, so I said, file a claim. My number wasn't that accessible at the time. It then said, "If you need more time, say wait a moment, or press 1. Otherwise please say or enter your telephone access ID, card or account number."

Once again, I repeated back, "file a claim" but this time that was enough and it said, "Okay, are you calling about a new claim? For the status of an existing claim, or something else?" I said, new claim, and then it said, "Please tell me the type of transaction, You can say ATM or press 1, Debit card or press 2, check or press 3, fees or press 4, Zelle transaction or press 5, electronic funds transfer or press 6."

I chose 2 for debit cards, and it said, "Please make sure that you contact the merchant first as we'll need this information to dispute the claim. If you've already contacted the merchant, then say yes." I hadn't contacted the merchant yet, but I also didn't know who the merchant was so I pressed yes so that it would get me to a person. This worked and it said, "Please hold while I connect you, your call may be recorded for quality purposes. We are experiencing higher-than-normal call volume. Your weight time is 4 to 6 minutes." The wait time was accurate, and in about 5 minutes I was connected to a representative who was helpful and helped me file the claim. 

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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