By DialHelpUSA Editorial Team · 200-word guide
Most card issuers require you to attempt resolution with the merchant before disputing. Email or call the merchant, request a refund, save the response. If they refuse or ignore for 7+ days, you have grounds for a dispute.
Skip this step if the charge is clearly fraudulent (you didn't make it).
BofA typically issues a provisional credit within 1-3 business days while they investigate.
For unauthorized charges or complex disputes, call 1-800-432-1000. Phone disputes resolve faster because the agent can immediately escalate, request additional evidence, and apply provisional credit.
For full Bank of America contact details: Bank of America Customer Service.
| Stage | Time |
|---|---|
| Provisional credit issued | 1-3 business days |
| Merchant response window | 30-45 days |
| BofA final decision | 60-90 days from filing |
Evidence to upload: receipt, email correspondence, tracking showing non-delivery, photos of damaged goods, screenshots of the original listing vs. delivered. More documentation = faster decision.
Usually yes - BofA issues a provisional credit within 1-3 business days for most disputes. If denied, the credit is reversed.
Federal law gives you 60 days from the statement date for billing-error disputes. For fraud, report as soon as you notice it.
Yes - BofA identifies the cardholder and dispute reason during the chargeback process.
Generally no, unless you have evidence of cancellation. Try cancelling with the merchant first; if they refuse, dispute the most recent charge.
Other questions our readers commonly ask about this topic:
Yes - Bank of America customer service is reachable on a toll-free U.S. number that does not charge a per-minute fee. Standard mobile-carrier minutes may apply on metered cellular plans. International callers may pay long-distance charges depending on country and carrier. Visit our Bank of America contact page for current toll-free numbers and hours.
Simple problems (account access, password resets, basic billing questions) typically resolve in a single 10-15 minute call. Complex issues (refund disputes, identity verification, escalated complaints) usually take 3-7 business days because they need supervisor review or document submission. If your case has stalled past 7 business days, escalate to a supervisor or the executive customer service team.
First, politely ask to escalate to a supervisor or to the executive customer service team. Most brands have an internal "office of the president" that handles complex complaints. If escalation does not resolve it, file a complaint with the Better Business Bureau (bbb.org), your state Attorney General consumer-protection portal, and - for finance, telecom, or airline issues - the relevant federal agency (CFPB, FCC, or DOT). Our Bank of America customer service guide lists the alternate channels.