By DialHelpUSA Editorial Team · 300-word guide
Locking blocks all in-store, online, and ATM transactions immediately. Direct deposits and online bill pay continue. Found the card later? Just unlock it - no replacement needed.
Call 1-800-432-1000 (24/7 for debit cards) or 1-800-732-9194 (24/7 for credit cards). Press the option for "Lost or stolen card."
Tell the agent: "I'd like to report my Bank of America [debit / credit] card lost / stolen and request a replacement."
The agent will:
For full BofA contact details: Bank of America Customer Service.
While on the call, ask the agent to walk through the last 30 days of transactions. Flag anything you don't recognize. BofA's Zero Liability covers unauthorized charges - usually credited within 1-3 business days while they investigate.
For online disputes: bankofamerica.com sign-in > transaction > Dispute. Most disputes resolved in 7-14 days for under $500, longer for larger amounts.
The new card has a different number and expiration. Services that bill the old card will fail. Update:
Visa Account Updater handles many automatically. Others require manual update.
For theft (vs. lost), file a police report. BofA doesn't require it for fraud refunds, but it helps if:
If your PIN was used at an ATM, report immediately - PIN withdrawals are harder to dispute.
Yes - BofA's Zero Liability covers unauthorized debit and credit charges if reported promptly. Provisional credit usually posts within 1-3 business days.
3-5 business days standard. Overnight $20 fee. Premium accounts (Platinum Honors / Diamond) get free overnight.
Yes. The Mobile app provides a digital card number for Apple Pay / Google Pay - works immediately. Branches can issue temporary cards on the spot.
No. Lock blocks card transactions only. Direct deposits, transfers, and online bill pay continue.
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.