How to dispute a charge at Bank of America

Bank of America gives cardholders 60 days from the statement date to file a dispute. Bank of America typically resolves disputes within 14 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.

Dispute windows

Dispute window60 days from statement date

Chargeback window120 days from transaction date

Typical resolution14 business days

Debit card vs credit card protections

Debit card (Reg E)

Debit: 60 days from statement

Credit card (Reg Z)

Credit: 60 days from statement

How to file at Bank of America

01Online: bankofamerica.com/help/dispute-transactions
02Phone: 1-800-732-9194

CFPB complaint data

The CFPB received 21,807 complaints about Bank of America in the past 12 months. 25% were closed with monetary or non-monetary relief. The most common issues:

Managing an account4,551
Incorrect information on your report2,836
Problem with a purchase shown on your statement2,190

Data from the Consumer Financial Protection Bureau complaint database. Updated daily.

Generate your Bank of America dispute letter

Select your dispute type and we'll generate a personalized letter, pre-filled with Bank of America-specific submission instructions and your deadline.

Select your dispute type:

Unauthorized charge Duplicate charge Didn't receive goods or service Not as described / defective Free trial I didn't authorize Recurring charge after cancellation

Write my Bank of America dispute letter →

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