How to Request a Bank of America Chargeback With DoNotPay?

Since many stores have a generous refund policy, getting a refund on any purchase is often a straightforward process. While sellers don’t have to give you a refund for that bag just because it is the wrong shade of burgundy, in most cases, they will. They want to keep you as a customer.

If the merchant has no refund policy or refuses to cooperate, you have another option— ask your bank to reverse the payment, which is known as a chargeback.

What Is Bank of America Chargeback Policy?

As a client of the Bank of America, you can initiate a chargeback for three main reasons:

  1. Inadequate service or damaged product
  2. Unauthorized charges
  3. Billing error

Chargeback for Damaged Goods or Inadequate Service

If you bought something and you don’t like it, you should get your money back, right?

Yes, but that “don’t like it” part comes with a few nuances.

According to the Fair Credit Billing Act, if you are dissatisfied with the product or service, you have a right to dispute the transaction, as long as the dispute is based on the bad quality of the product or service. 

The merchandise would have to be damaged, not functional, not as advertised, etc. 

You can dispute the charges for damaged goods or services if the following conditions are satisfied:

  • The transaction has to be over $50
  • The seller must be in the same state as you or within 100 miles of your address (online purchases don’t fall under this rule)
  • You must have proof that you have tried to request a refund from the merchant

Unauthorized Credit Card Charges

If you notice an unfamiliar purchase, you should check with your friends or family first, but if it genuinely is a fraudulent charge, contact the Bank of America by calling 800-432-1000.

You can also file a police report since a single fraudulent purchase on your account may be part of a larger credit card scamming operation.

Billing Errors

According to the Federal Trade Commission (FTC), you can ask for a chargeback if any of these billing errors happen:

  • The transaction has the wrong date
  • The amount is not correct
  • You were charged for something that you didn’t order
  • There are math errors within the transaction

What Do You Need to Know Before You Begin With the Bank of America Chargeback Process?

If you decide to initiate a chargeback with the bank of America, there are three things you should do first:

  1. Block your card to prevent further purchases and unauthorized activities
  2. Confirm that the merchant is offering no refunds if you bought a defective product 
  3. Confirm that the unexpected charge is not due to a family member or a friend

Secure Your Card

If you believe that there are unauthorized transactions on your credit card, the first thing you should do is secure the card. You can do this by locking your card temporarily either through a phone call or through Bank of America’s online banking platform. 

Once you do this, no more transactions can take place.

If you want to lock your card online, here is what to do:

  1. Go to your Bank of America app or your online banking account
  2. Click on Menu
  3. Pick Manage Debit Card/Credit Card
  4. Find the card you want to manage
  5. Change the card’s status to Locked 
  6. Wait for your confirmation email

You can lock your card by calling 800-432-1000 as well.

Contact the Merchant

Before initiating a chargeback, you should know that it’s your legal obligation to contact the merchant first. The merchant may resolve your claim faster, and they may offer you a refund for your purchase. 

It is also essential that you document this action. If you contact the merchant via email, save the email. If you send them a Refund Request Letter, make sure to keep a copy. 

You will need this evidence if the merchant refuses to cooperate, and you decide to move forward with your case. 

You should also take into consideration that pending charges cannot be disputed, but they can be canceled. If you just made the payment and realized there is a problem, you can contact the merchant or even cancel the payment yourself. 

Confirm That the Transaction is Fraudulent

Talk with your friends and family. Someone might have made a purchase using your credit card without telling you. Miscommunication is often behind unexpected credit card charges. 

Make sure that the charge isn’t something you forgot about, check the details of the transaction.

How to Get Your Bank of America Chargeback With DoNotPay?

DoNotPay will help handle this process with only a few clicks. Here are the steps to follow:

  1. Open DoNotPay in your web browser or download it to your iOS device
  2. Click on the Chargeback Instantly feature
  3. Provide the Bank of America details to our chatbot
  4. Enter the name of the merchant

DoNotPay will guide you through the rest of the process, and once you confirm all the details, the app will send a dispute letter directly to your bank. We can contact the merchant directly and ask for a refund, which will help your case.

How Do You File a Chargeback Claim Directly to the Bank of America?

If you want, you can try to dispute your charge directly with the Bank of America, but it is essential to take notes of the deadlines. 

Here is the timeframe in which you can file a dispute claim for different types of charges

Type of Dispute 

Time Limit
Poor service or service not rendered

60 days

Fraudulent charges

Unlimited
Billing error

60 days

If you decide to go ahead with your claim, make sure to have the following info:

  • Your credit card number
  • The amount of the transaction in question
  • The date of the transaction
  • A description of the problem
  • The name of the merchant
  • Evidence of all attempts to contact the merchant and resolve the problem

If you went through all of the previous steps and decided to initiate a chargeback on the transaction with the bank of America, there are several other ways to do it: 

  1. Through your online banking account
  2. Via phone call
  3. Via letter

Can You Request a Chargeback Through Your Online Banking Account? 

If you are a user of The Bank of America Online Banking services, you can use this as an option to request a chargeback. Here is how to do it:

  1. Go to the Bank of America Website
  2. Click on Credit Cards Tab
  3. Scroll down and find Manage Your Account option 
  4. Click on Manage Your Account
  5. Sign in to your account
  6. Find Activity Tab
  7. Search for the transaction you want to dispute
  8. Follow the process to complete the chargeback 

If the form is not working, you can reach the Bank of America through their Customer Service Page

Request a Chargeback via Phone Call Using the Bank of America Chargeback Number

You can request a chargeback via phone. Here is how to do it:

  1. Prepare your personal information and credit card info
  2. Prepare info related to the transaction you want to dispute—billing statement, the amount, dates, and the merchant
  3. Call Bank of America at 1-866-266-0212

Request a Bank of America Chargeback in Writing

You can send your dispute letter to the Bank of America via post. 

The key is to include the following elements:

  • Your name and contact info
  • Your credit card number
  • The amount of the transaction
  • The date of the transaction
  • A description of the problem

You also need to include written evidence that you have tried to resolve the problem with the merchant

You can send your dispute letter to the Billing Inquiries Department of Bank of America at PO Box 982234, El Paso, Texas, 79998-2234.

Can You Get a Chargeback Via

Yes / No

DoNotPay

Yes
Email

No

Phone

Yes
Letter

Yes

Website

Yes
In-person

No

What Else Can You Do With DoNotPay?

If any company refuses to issue you a refund, use DoNotPay to get a chargeback on that transaction. Whether you are having problems with gaming platforms like Epic, Minecraft, or Steam, or with online giants like Amazon Prime or Spotify, DoNotPay can help you get your money back.

But that is not all our app can do!

You can access DoNotPay from your web browser or iOS device and get help with: