![]() Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. Relationship-based ads and online behavioral advertising help us do that.īank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). We strive to provide you with information about products and services you might find interesting and useful. If we need additional information to process your dispute, you may reply directly to our Message Center request (please note that your response needs to take place within 12 business days.) We'll keep you up to date on the status of your dispute by phone, written correspondence through mail and/or your Online Banking Message Center. We process disputes according to billing error procedures that are governed by federal law and outlined in your credit card agreement. ![]() Our dispute department will research the transaction with the merchant and its bank and contact you with the results. We take your business seriously and will do everything we can to help resolve a dispute in a timely and thorough manner. If so, we'll reduce the scheduled payment amount to prevent you from paying into the disputed amount. If you're set up for AutoPay or have a scheduled payment in 3 or more days, we'll review whether the scheduled amount needs to be adjusted in light of the dispute. ![]() If the transaction was not posted in error, you won't be charged any interest or fees associated with the dispute. If the transaction was posted in error, we'll correct your account. Please visit our credit card customer service page for additional information.Īfter you submit your dispute of a credit card transaction, we may recalculate your minimum payment based on the total balance minus any balance in dispute (along with any fraudulent transactions and/or payment misposts to be researched). While our online dispute process is the easiest and fastest way for you to submit a claim, you may also write or call us. If you did not provide your account information to the merchant in question and suspect that your information was stolen, please contact us immediately. Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. Not an Online Banking customer? Enroll in Online Banking today To access the credit card dispute process, log in to Online Banking. Online Banking customers can submit most credit card disputes directly from the transaction detail found in the Activity tab on your credit card account page, or from the Dispute a transaction link on the Information & Services tab. You can typically find the merchant’s contact information on your receipt or billing statement. Additionally, please note that only posted transactions can be disputed (pending charges are temporary and may change), so if you have any immediate concerns about a pending charge, you may want to contact the merchant. Before initiating a claim, consider calling the merchant first, as they may resolve your claim faster (we may also require information from the merchant to process a claim, so contacting them directly may save you time).
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