To dispute a charge on your Bank of America credit card statement, follow these steps:
- Review the charge: Examine your credit card statement carefully and confirm whether the charge is indeed unauthorized, incorrect, or fraudulent.
- Gather evidence: Collect all relevant documents, such as receipts, correspondence, or any other proof that can support your dispute claim.
- Contact Bank of America: Call the Bank of America customer service number found on the back of your credit card or on your statement. Alternatively, you can log in to your online banking account to initiate the dispute process.
- Explain the situation: Clearly describe the reason for disputing the charge to the customer service representative. Provide all necessary details, such as the date, amount, and merchant name associated with the charge.
- File a dispute: The representative will guide you through the process of filing a dispute. They may ask you to fill out a form or provide additional information.
- Follow up in writing: After the initial phone call, it is recommended to send a written dispute letter to Bank of America. Include your account details, description of the disputed charge, and the reason for your dispute. Keep a copy of the letter for your records.
- Monitor your account: Keep an eye on your credit card account to ensure that the disputed charge is credited back to your account. Bank of America will investigate the dispute and provide a resolution within a specific timeframe.
Note: It's crucial to act promptly as there are usually time limits for disputing charges, typically within 60 days of the statement date on which the charge appeared.