To dispute a transaction on your Bank of America debit card, you can follow these general steps:
- Contact Bank of America: Call the customer service number provided on the back of your debit card. Alternatively, you can log in to your online banking account and initiate a chat or send a secure message to begin the dispute process.
- Provide transaction details: Explain the transaction you wish to dispute and provide all relevant details, including the date, amount, and merchant information. Be prepared to describe the reason for disputing the transaction and provide any supporting documentation.
- Temporary credit: Depending on the nature of the dispute and Bank of America's policies, they may provide you with a temporary credit for the disputed amount while investigating the case. This credit should reflect in your account within a few business days.
- Investigation: Bank of America will initiate an investigation into the disputed transaction to determine its legitimacy. They may contact the merchant involved, review transaction records, and ask for supporting documents or evidence from you.
- Follow-up: Throughout the investigation, it is essential to regularly check your account statements, online banking, or mobile app for updates on the dispute. Bank of America may request additional information or updates from you during the process.
- Resolution: Bank of America will inform you of the investigation's outcome once completed. If the dispute is resolved in your favor, the temporary credit may become permanent. If the dispute is not resolved in your favor, the temporary credit may be reversed, and you will be informed about the reasons for the decision.
It is important to initiate the dispute process as soon as possible after noticing an unauthorized or suspicious transaction on your Bank of America debit card to ensure a timely investigation.