How Do I Cancel or Stop a Payment with Bank of America?

This article describes how to stop a payment made with a Bank of America account. Detailed instructions are given for submitting a request to dispute the charge and stop the payment online, by phone, and via mail. A description of Bank of America's disputed charge investigation process is given as well.

If you need to stop payment on an item you purchased with a Bank of America account, the first thing you should do is contact the merchant directly and ask them to reverse the charge. This will usually be the quickest, easiest way to resolve the matter. If the merchant is unwilling or unable to help you, you can contact Bank of America to dispute the payment.


Stopping the Payment Online

  1. Go to the Bank of America home page.
  2. Click on the Login link.
  3. Log into your account.
  4. Navigate to your credit card account.
  5. Click on Information & Services tab.
  6. Click on the Dispute a Transaction link.
  7. Select the statement period for the disputed transaction.
  8. Click on the transaction button.
  9. Click on the Continue button.
  10. Provide all information requested in the fields provided.

Stopping Payment by Phone

Make sure you have your credit or debit card number, billing statement, and merchant information ready. Call Bank of America's customer service line. Follow the prompts to speak to a customer service representative. Tell them your reasons for disputing the charge and provide them with any additional information they request.

Stopping Payment in Writing

Send a letter with a written description of why you are disputing the charge and a copy of the billing statement to:

Bank of America
PO Box 25118
Tampa, FL 33633-0900

Once the bank receives your request it will temporarily suspend the charge from your account, and you will not be responsible for it while they investigate the matter. This investigation can take as many as sixty days. If the bank decides to stop the payment, it will make the suspension of the charge permanent. If the bank decides you do not have grounds for stopping the payment, you will owe the disputed amount, but will not have to pay any interest for the time the bank was conducting its investigation.

If you have any questions during this process, you can contact the Bank of America's help forums, chat room help, or customer service phone line.

Why Did GetHuman Write "How Do I Cancel or Stop a Payment with Bank of America?"?

After thousands of Bank of America customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Cancel or Stop a Payment with Bank of America? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Bank of America if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Bank of America Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Bank of America in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Cancel or Stop a Payment with Bank of America? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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