How to Dispute a Bank of America Chargeback: A Complete Guide for U.S. Merchants (2025)

Chargeback Management Services - Dispute Response Sep/ 22/ 2025 | 0

Chargebacks are a common challenge for many merchants, but when it comes to disputing chargebacks from Bank of America, understanding the process is crucial for protecting your business and funds. In this guide, we’ll walk you through the steps involved in disputing a Bank of America chargeback in 2025.

What is a Bank of America Chargeback?

A chargeback occurs when a customer disputes a charge made to their credit card, leading to the reversal of a transaction. Bank of America, like other financial institutions, offers this protection to its customers. As a merchant, it’s important to know how to handle these disputes to safeguard your revenue.

Steps to Dispute a Bank of America Chargeback

1. Review the Chargeback Details
Upon receiving a chargeback notification, the first step is to carefully review the chargeback reason code. Bank of America will provide details about why the chargeback was initiated. Common reasons include fraud, item not received, or item not as described.

2. Collect Evidence
To effectively dispute the chargeback, you’ll need to gather relevant evidence. This might include:

• Proof of delivery (tracking information, shipping receipts)
  
• Signed agreements or contracts
  
• Correspondence with the customer
  
• Invoices and receipts
  

3. Respond Promptly
Bank of America has specific timelines for responding to chargeback disputes. You’ll typically have 30 days to submit your evidence. Make sure your response is well-organized and includes all necessary documents.

4. Submit Your Dispute
Once you’ve gathered all the necessary evidence, submit it through the chargeback management platform or via your payment processor, depending on your setup. Ensure that your response is clear, concise, and addresses the customer’s claim directly.

5. Wait for the Outcome
Bank of America will review the evidence and make a decision. If your dispute is successful, the chargeback will be reversed, and you will retain the funds. If the dispute is unsuccessful, the chargeback will stand, and the funds will remain deducted.

Tips to Prevent Chargebacks in the Future

While chargebacks are sometimes unavoidable, there are steps you can take to reduce the likelihood of disputes:

• Improve communication with customers: Clear return policies and customer service channels can help address issues before they escalate.
  
• Ensure accurate product descriptions: Avoid misunderstandings by accurately describing the products or services you offer.
  
• Use fraud prevention tools: Implement tools like Address Verification Systems (AVS) and CVV checks to prevent fraudulent transactions.
  
• Maintain proper documentation: Keeping detailed records of transactions, communications, and shipping can support your case in the event of a chargeback.
  

Conclusion

Disputing a chargeback with Bank of America requires attention to detail, quick action, and thorough documentation. By following the steps outlined above and taking proactive measures to prevent chargebacks, you can better protect your business in 2025.