How Do I Report Fraud to Bank of America?

In a nutshell: If you spot an unexpected or unauthorized charge on your Bank of America statement, you might be facing fraud. Address the issue within 60 days of the statement date. First, confirm that it is indeed fraudulent by reviewing transactions or checking with authorized users. If confirmed,

Introduction

If you recently took a look at your Bank of America statement and found a charge you didn't make, or a charge that is higher than you expected it to be, you may be the victim of fraud. You need to learn how to report this fraud to the bank and hopefully get your money back. You can report the fraud online, on the Bank of America app, or over the phone, but there are some other steps you need to take before making the report.

What You'll Need

If you want to get the charge taken off of your bill or reduced, you need to inform the bank of the problem within 60 days of the date the bank statement containing the fraudulent charge you was sent to you.

Take a close look at the charge.

If you take a close look, you might find that it is not a fraudulent charge after all. Perhaps you or someone else who has authorized access to your account made the charge and subsequently forgot about it. Maybe there was something you had on autopay that slipped your mind. Maybe, when you ordered something, you didn't notice that a box was ticked that added extra features to your order.
If you have determined that the charge really is not the result of an error on your part, continue on with the next steps.

Contact the merchant and try to talk the problem out with them.

Bank of America usually prefers that you try to work things out with the merchant, if possible, so it's good to start there. Additionally, it is always possible the the charge was a mistake and not fraudulent, and the merchant will fix it once you tell them about it.
If contacting the merchant does not resolve the matter, proceed with the next step.

Go to Bank of America's home page.

Bank of America's home page
To report and dispute the fraudulent charge from the app, skip to step 8.
To report and sipute the frauluent charge over the phone, skip to step 12.

How Do I Report Fraud to Bank of America? (Step 3)

Enter your Bank of America user ID and password in the text boxes on the left side of the scree then click the Log In button.

How Do I Report Fraud to Bank of America? (Step 4)

Select the Information & Services tab.

Locate the fraudulent charge and click on the "Dispute a transaction" link next to it.

Follow the instruction to submit your fraud claim.

Skip to step 13.

Open the Bank of America app and log in.

How Do I Report Fraud to Bank of America? (Step 8)

Locate the fraudulent transaction and tap on it.

Tap on the "Dispute Transaction" link.

Follow the instructions to submit your fraud claim.

Skip to step 13.

Call a Bank of America customer service agent and tell them of the fraudulent charge.

Bank of America customer service

Wait for the bank to complete the investigation of your claim.

Check for messages from Bank of America to see if it needs more information from you, or it it has made a finding. Check the status of your fraud claim by opening the app or your online account and checking your inbox. Your claim's status can be found under the Status Tracker header.

Conclusion

The Bank of America call center is open from Monday to Friday from 8:00 am to 11:00 pm EST and on Saturdays and Sunday from 8:00 am to 8:00 pm EST.

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