How do I dispute a Bank of America charge?

To dispute a Bank of America charge, log in to your Bank of America account and search for the transaction to dispute, or call Bank of America customer service at 1 (866) 266-0212. Alternatively, the address to dispute a charge by mail is:

Credit card billing inquiries
Bank of America
PO Box 982234
El Paso, TX 79998

Bank of America disputes are typically resolved within 60 days, though more complex issues may take a little longer.

How to Dispute a Charge on a Bank of America Card Online

1. Log in to your online account.
2. Click the "Activity" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute this transaction" to open an inquiry.
6. Check for a confirmation e-mail from Bank of America verifying receipt of the inquiry.

Before you dispute a charge through Bank of America, you should first contact the merchant associated with the charge on your Bank of America card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Bank of America.

Once you’ve initiated the dispute, Bank of America will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Bank of America card as you normally would while a dispute is ongoing.

Bank of America will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accumulated during the dispute, starting from the original purchase date.