How To Fix Bank of America Credit Card Fraud (2026 guide)

This article will walk you through my proprietary 4 step process to delete both fraudulent charges and fraudulently opened Bank of America accounts from your credit reports.

Im Ali Zane, a credit advocate with 20 years of experience at Imax Credit Repair

Here is the 4 step process we’ll follow:

• 1️⃣ Call Bank of America’s fraud dept (try to resolve immediately)
• 2️⃣ File FTC + police reports (this activates your strongest rights)
• 3️⃣ Mail disputes to Bank of America + bureaus (with proof)
• 4️⃣: Pursue legal remedies + money damages if they don’t resolve issue

Here’s the best part – I offer free legal help‼️ (seriously)

If you’ve got Bank of America fraud charges or fraudulently opened account,.

as a credit advocate I can help you with $0 cost out of your pocket.

As I can get our legal fees paid by the bank, per F.C.R.A provisions

Most people don’t know this BUT there’s no reason for you do this alone.

Use the link below Now

✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

WATCH THIS: Bank of America fraud & ID theft recovery video

Watch this first. It explains how investigations really work and why your documentation + timeline matters.

Podcast: Removing Fraud Charges Off Your Credit Report

STEP 1️⃣ : Call the Bank of America Fraud Dept

Start here because Bank of America can sometimes fix fraud in minutes. ⏱️ If they stall, deny, or tell you to “write in,” you’ll move to Step 2 and Step 3.

Scenario 1: For fraud charges on your Bank of America card:

• Call the number on the back of your card (or 800.732.9194).
• List each fraud charge by date + amount + merchant.
• Many times they issue a temporary credit while they investigate (can take up to ~60 days).
• If they deny or drag it out → go to Step 2 & Step 3.

Scenario 2: For fraudulently opened Bank of America card:

• Call 800.732.9194 and request fraud/identity theft.
• Ask what address/email/phone was used to open it (ID thieves often use different info).
• Demand they close the account and stop reporting it.
• If they say “write to us,” don’t panic — you’ll do it correctly in Step 3.

STEP 2️⃣ – Filing your Bank of America ID theft reports (with FTC and police)

The 2-anchor stack

FTC Report ✅ + Police Report ✅ = your strongest dispute package

STEP 2A – File an FTC ID theft Affidavit

• File here: IdentityTheft.gov
• List Bank of America and any fraud accounts/charges/inquiries you found.
• Save/print the final report (you’ll attach it in Step 3).

STEP 2B – File a ID theft Police report

• ️ File online if your department allows it; otherwise file in person.
• Bring ID + proof of address + statements + credit report pages (if a new account is reporting).
• Make sure the report lists Bank of America and the fraudulent activity.

One Master “Bank of America Fraud” Letter (Use for Police + Your Dispute Packet)

✅ Edit the brackets. Paste it into your police report narrative box AND include it inside your dispute packets.

[YOUR FULL NAME]
[YOUR ADDRESS]
[DOB / Last 4 ssn]
[EMAIL/ MOBILE # ]

I am a victim of identity theft and fraud. The following Bank of America accounts, charges, and/or credit inquiries are fraudulent. I did not authorize them, did not benefit from them, and did not give anyone permission to use my personal information.

A) Unauthorized Charges on an Existing Bank of America Account (if applicable)
- Account ending in: [XXXX]
- Fraud charge(s): [DATE] – [$AMOUNT] – [MERCHANT], [DATE] – [$AMOUNT] – [MERCHANT]
- Reason: I did not make these transactions and did not benefit from them.

B) Fraudulently Opened Bank of America Account (if applicable)
- Account ending in: [XXXX]
- Open date (if known): [__/____]
- Reported balance: [$____]
- Reason: This account was opened without my knowledge or consent. I have never used it and received no benefit from it.

C) Unauthorized Credit Inquiry (if applicable)
- Creditor: Bank of America
- Inquiry date: [__/____]
- Reason: I did not authorize this application/inquiry.

Suspect information: I (do / do not) know who the suspect may be.

I am reporting this issue so that the credit bureaus can block this information and the creditors can close/remove fraudulent accounts, and correct any inaccurate reporting to the credit bureaus.

Sincerely,

Copy This Letter

Want a deeper bureau template? Identity theft credit bureau dispute letter

CONTACT ME: For no cost help on how to fix Bank of America fraud

✅ If you followed the steps and Bank of America/bureaus still won’t correct the fraud, you may be entitled to money damages and full credit repair — often with $0 out of pocket.

If you’re overwhelmed, don’t do this alone. We can guide the documentation and escalation steps — and if the reporting isn’t corrected after proper notice, we may be able to pursue damages.

Call/Text: (323) 983-8973
✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

STEP 3️⃣ – Mailing your id theft/fraud dispute letter to Bank of America & the credit bureaus

Now you build the paper trail. This matters if anyone denies your claim later.

If the account is reporting on your credit file, you also need dispute with the bureaus . ✅

✅ What to include (simple)

• Master narrative letter (See Step1B above)
• FTC report
• Police report
• ID + proof of address ( eg, recent utility bill, cell bill, or bank statement)
• Credit report pages showing the fraud (if applicable)

Tip: If you mail disputes, consider a service like LetterStream so your exact letter + attachments + proof of mailing are preserved digitally.

STEP 4️⃣ – If Bank of America or the credit bureaus don’t fix this

YOU MAY BE ENTITLED TO MONEY DAMAGES

WE GUIDE YOU FOR FREE

At that point, you may be facing FCRA and/or FCBA violations. This is where my team can step in to pursue:

• Removal/correction of fraudulent tradelines
• Refunds for unauthorized charges (when applicable)
• Monetary damages (credit harm + stress/emotional distress)
• ⚖️ Attorney’s fees paid by the other side (not you)

Call/Text: (323) 983-8973
✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

RELATED BANK OF AMERICA FRAUD ARTICLES

• How to Repair Credit After Identity Theft and Fraud
• Identity Theft Credit Bureau Dispute Letter
• How to Fix Capital One Credit Card Fraud
• How to Fix Citibank Credit Card Fraud
• How to Fix American Express Card Fraud
• How to Fix Discover Bank Credit Card Fraud
• How to Fix Well Fargo Credit Card Fraud

CONTACT ME: To fix your Bank of America fraud issue, with $0 out of your pocket & potentially get monetary damages

If you want help (or you’re getting denied), reach out. We’ll tell you exactly what to do next — and whether you may qualify for a $0-out-of-pocket resolution.

Call/Text: (323) 983-8973
✅ GET HELP WITH YOUR BOA FRAUD CASE →

FAQ: Bank of America Fraud

What is the Bank of America fraud department phone number?

Safest option: use the number on the back of your Bank of America card or the in-app call button (to avoid fake “fraud lines”). Or call 800.732.9194.

A fraudulent Bank of America account was opened in my name and showing on my credit report, what do I do ?

Treat this like identity theft (because it is). Here’s the clean order:

• Call Bank of America and tell them to close the account + flag it as fraud.
• File the FTC report + police report (Step 2).
• Mail disputes to Bank of America + bureaus (Step 3) so you have proof.

✅ This protects you even if Bank of America investigates slowly or makes an initial mistake.

How does a Bank of America fraud investigation work?

It depends on which type of fraud you’re dealing with:

• Fraud charges on your existing card: Bank of America often issues a temporary credit while they investigate (sometimes up to ~60 days).
• Fraudulently opened account: reporting may not be corrected immediately — that’s why Step 2 + Step 3 matter (FTC/police + mailed disputes).

Your job: track dates, amounts, rep names, and case numbers.

What if Bank of America denies or refuses my fraud claim or says the fraud is “verified”?

⚠️ Don’t accept a vague denial. Make it factual and documented:

• Ask what evidence they relied on and request the reason in writing (or notes in your file).
• Send your FTC + police report packet by mail (Step 3) so you have proof of notice.
• ⚖️ If incorrect reporting hits your credit file and the reinvestigation isn’t handled correctly after notice, compliance issues can appear.

How do I report fraud charges made on my BOA card ?

✅ Start with the fastest method:

• Report by phone (number on card) or through the app.
• Keep a simple log: date/time, rep name, and case/reference number.
• If they don’t rule in your favor, follow the documentation steps in this article (FTC + police + mailed disputes).

What type of service can help me fix Bank of America fraud?

️ If this fraud is damaging your credit (or you’re being ignored/denied), A company similar to Imax Credit with its associate ID theft attorneys can help guide the documentation and escalation — and when bureaus/creditors mishandle a properly documented case, we can often help with $0 out of pocket.

There is NO REASON for you to have to do this alone‼️

Call/Text: (323) 983-8973
✅ GET HELP WITH YOUR BOA FRAUD CASE →

Disclaimer: This article is educational and not legal advice. Every fraud/identity theft case is fact-specific.