We all know that there have been a lot of instances when someone has been wrongly charged for something. This can be a minor problem if the amount is small, but if the amount is significant, then this can cause a lot of issues for the people. This can also lead to a lot of scamming. Therefore, there is a proper dispute system that the banks have arranged that ensures there is no injustice with the customer or the merchant.

The problem comes when people don't know how to dispute Bank of America credit card charges. If you are also someone who doesn't know much about it but wants to learn this entire process of chargeback and dispute, then this article is for you. Mentioned below is everything that you need to know in this case.

How to File the Dispute in Bank of America Credit Card Changes?

The first thing that you need to know is where you can file the complaint for the incorrect credit card charge. Following are some of the different ways through which this can be done.

Going to the Bank:

The first method and the best option is going to the bank itself. This means going to the closest bank branch and filing the report over there. This can be a bit tedious work, and you might need to spend some extra time during this process.

By Phone:

The following method is to dispute a credit card charge through the phone. You can call the helpline number of Bank of America and ask them to file the complaint. Here, you will also need to provide some vital information such as the credit card details, your account number, the billing statement, the amount that has been transacted incorrectly, the merchant, and a lot of other things.

All of this information is necessary to have as it will ensure that you have all the proofs and that you are not just trying to scam them or the merchant.

Online:

The last method through which you can accept credit card charges is through the online website. Bank of America has an online platform that ensures that people can perform all their activities online without any difficulties. This means you can even file for the dispute through the website.

Just visit their Information and Service options and then follow the instructions that are coming on the website. Once the complaint is filed, your company will start working on it, and you will get their response soon.

Letter:

You can even submit a dispute for credit card charges through a letter. This means you can write the entire application and how you were wrongly transacted. Other than this, you also need to mention some important things, such as your name, the account number, and a few other things related to your account.

Then, you need to mention the amount that was incorrectly charged to your account, the date of the transaction, and why you think it was an error. All of this will help the bank understand the problem, and they will start with the dispute process.

Process for the Dispute for Credit Card Charges:

When you have filed the complaint, it takes about 60-20 days for the bank to process the entire thing. Once you have filed the dispute, you also should know the steps that take place when it comes to solving the matter. Following are the things that happened at the back end after you sent the complaint to them.

• First, the bank will check the validity of the request. They will go through the entire process, check the receipts, and prove that you have provided them to them. When they are sure this is legit, they will offer provisional credit to the debit card holder. For people with credit cards, the bank will adjust the customer with the balance.
• After that, the bank will send a statement to the merchant asking them to review the problem and transfer the money back to the customer's account for the wrong charges.
• If the merchant thinks that the charges are not wrong, they will send the notification back to the bank with their proof and receipts.
• After that, the bank will ensure and check everything thoroughly. Then, they will decide which party is right and take the action accordingly.

Tips to Optimize the Consumer Claims for the Charges:

When you have filed the complaint, there are a few things that should be followed if you want to ensure your complaint is optimized. Following are the steps that you can take.

Stick to the Facts:

You must stick to things that you have sent initially to the bank. This means why, when, and how everything was done. Ensure that you know the time, the amount that was wrongly transacted, and other things. Keep the evidence with yourself, as this will ensure that your argument is strong with the correct facts.

Valid Reasons:

You can just apply for the dispute if you feel like it. There would be valid reasons and valid evidence to ensure that your case is strong and will be accepted.

Providing Evidence:

Make sure you have the evidence when it comes to dispute for credit card charges. There should be photos, receipts, conversations with merchants, credit card and debit card statements, and other things. This will help you to substantiate the cabin and make the bank believe that the complaint is legitimate.

Watch the Time:

If you want to dispute, then you need to ensure you are doing it within the time limit. For Bank of America, the time limit is 120 days, which means you need to file for the dispute between this time.

Wrapping Up!

Dispute for credit card charges is something that is made for both the customers and the merchants to ensure there is no fraud and no one is telling the money from the other party. In order to file the dispute, you need to know the steps you should be taking and the things you should be taking. Hence, we hope this article was beneficial for you in learning about this dispute with Bank of America and how to do it properly.