How to Dispute a Bank of America Credit Card Late-Payment Fee

Bank of America (BOA) states that you may be charged a late-payment fee on your credit card account for a variety of reasons. Your mailed payment might have been delayed or you may have transferred money from an automatic teller machine after the cut-off time for that day. Late-payment fees are also charged if your payment is received on time but is less than the minimum due, BOA explains. Fees range from $25 to $35, depending on how many times you are late, but you can dispute them.

• 1

  Review your BOA credit card account history to see if you have ever had a previous late payment or other problems such as exceeding your credit limit. You have the best chance of a successful late-payment dispute if your prior history is spotless, according to Lucy Lazarony of the Bankrate.com consumer finance advice website.

• 2

  Call the BOA customer service number on your credit card. It is a toll-free telephone number printed on the back of your card. Navigate the automated system until you reach a live human.

• 3

  Explain the situation to the customer service representative and ask for a late-fee waiver because you are a good customer. Lazarony states that the bank might agree to do so as a courtesy if this is your first delinquency.

• 4

  Request a supervisor if the agent refuses to remove the late-payment fee from your BOA credit card account. The agent may not have the authority to do it or may simply not wish to approve the waiver. A supervisor has more authority and may be more likely to keep you happy and retain your business.