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
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.
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.
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