Initiating My First Credit Card Charge Dispute with Bank of America

Last month, I decided to try a new service and booked an appointment via its mobile app.  I received a confirmation of my charge. I entered my Bank of America credit card to authorize the charge.  Everything was so clear that I didn’t bother to take a screen-grab of the payment page.

Surprise on Credit Card Statement

Imagine my surprise when I was looking through my credit card statement and saw a $90 charge for the service instead of the $15 copay.

I called up the merchant’s customer service department to resolve the billing error.  The representative took down my details and said she will need to send to another department for research.  She promised someone would get back to me within 24 hours (the next business day).  I didn’t get a call back.

I decided to write in the following week. I got a callback that they received my email, and that you guessed it:  Someone will get back to me with an update within 24 hours.  I don’t know why I’m so trusting and I kept falling for that line.  (I didn’t hear back, either).

Opening a credit card dispute

I decided that maybe I’ll just open my first ever credit card charge dispute with Bank of America.  The first method is to resolve it with the merchant.  Mine hadn’t gotten anywhere.

During the online dispute workflow, it asked for the reasons for the dispute. I indicated that it was an authorized charge, but for the wrong amount.  It asked if I had a receipt.  I didn’t have one.  I thought it strange that the  dispute form never asked me for the amount I authorized, but I submitted the dispute request anyway.

Fast Result

The next day, I got a couple of messages from Bank of America.  One of the messages was an acknowledgement of my dispute request.  And then a surprise, another message indicating that they have closed my dispute.

They had already issued me an adjustment of $75 to my account.  Maybe the refund process was already in the works with the merchant (otherwise, they wouldn’t know how much to adjust).  I can’t be sure.  Either way, I was just surprised by how quickly this credit card charge dispute got resolved.

 

Have you had a credit card dispute that got resolved quickly, or one that dragged on longer than expected?

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