How to Contact Bank of America — Customer Service Numbers and Arbitration Filing
If you are reading this, something has gone wrong with your Bank of America account. Maybe an overdraft fee hit that should not have, maybe a fraud claim got denied, maybe your account was frozen with no explanation.
You are not stuck. Below are the phone numbers and addresses that will actually reach a person at Bank of America, the basics of the arbitration clause that now governs most consumer accounts, and how U. S. Arbitration Corp. helps consumers file when a phone call is not enough.
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Bank of America customer service phone numbers
These are the current numbers Bank of America publishes for U.S. consumer accounts. Hours below are Eastern Time.
| Purpose | Phone | Notes |
|---|---|---|
| General customer service (checking, savings, account questions) | 800-432-1000 | Mon–Fri 8 a.m.–11 p.m. ET, Sat–Sun 8 a.m.–8 p.m. ET. Automated self-service 24/7. |
| Spanish-language support | 800-688-6086 | Same hours as the general line. |
| Lost or stolen ATM or debit card | 888-635-6000 | 24/7. |
| Lost or stolen credit card | 800-732-9194 | 24/7. |
| Mortgage customer service | 800-669-6607 | Payments, escrow, payoff, loss mitigation. |
| Home equity line of credit and home equity loan service | 800-269-3084 | Draws, payments, payoff. |
| International collect (from outside the U.S.) | 1-315-724-4022 | Collect call; cell roaming charges may apply. |
| Arbitration opt-out line | 800-283-8875 | See the opt-out section below. |
A couple of tips before you dial. Have your account number and the last four digits of your Social Security number ready — the automated system will not transfer you without verifying the account. Before you hang up, ask for a case number. If you are reporting fraud or disputing a charge, that case number is your proof the clock started.
If a denied fraud claim is the reason you are calling, ask specifically for the Claims department. A first-line representative usually cannot reopen a closed investigation.
Bank of America mailing addresses
For written disputes, formal complaints, and escalations, Bank of America publishes the following addresses.
Corporate headquarters and executive offices
Bank of America Corporation
Bank of America Corporate Center
100 North Tryon Street
Charlotte, NC 28255
General customer correspondence (deposits and most consumer accounts)
Bank of America
P.O. Box 25118
Tampa, FL 33622-5118
Customer Satisfaction Department (formal complaints and escalations)
Bank of America Customer Satisfaction Department
P.O. Box 512868
Charlotte, NC 28512-8168
If you think you may end up in arbitration later, send any escalation by certified mail with return receipt requested. A delivery receipt is admissible evidence that the bank was notified, and arbitration claim forms ask when and how you first raised the dispute.
When the call does not solve it
If the phone call did not fix your problem, you are now looking at arbitration. Bank of America’s consumer agreement steers most disputes there. Here is what the clause actually requires of you and the bank.
What Bank of America’s arbitration clause requires
Effective May 18, 2026, Bank of America updated its Deposit Agreement and Disclosures to add a binding arbitration provision and a class-action waiver covering most U.S. consumer deposit accounts. The key sentence reads:
“You and Bank of America agree to resolve disputes through binding arbitration rather than in court.”
In plain English, that does three things. It moves your dispute out of court and into a private arbitration process. It blocks class actions, so each customer’s claim is decided on its own. And it names the American Arbitration Association (AAA) — the private nonprofit that runs consumer arbitrations — as the forum.
There is one carve-out worth knowing: the clause preserves your right to bring an individual claim in small-claims court if the dispute fits within your state’s small-claims dollar limit and you proceed on your own. For anything larger, arbitration is the only path.
You can read the full clause in Bank of America’s current Deposit Agreement and Disclosures.
The 60-day opt-out window
When the 2026 update rolled out, existing customers had 60 days from the date of first notice to opt out of the new arbitration provision. The two methods Bank of America publishes are online at bankofamerica.com/arbitration-optout and by phone at 800-283-8875.
If you opted out in time, you preserved your right to sue in court, including in a class action. If you did not opt out — and most account holders did not — your only formal forum for most disputes is now an individual AAA arbitration.
How arbitration works against Bank of America
Arbitration sounds intimidating, but the consumer version is designed to be cheaper and faster than litigation. Cases are administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The consumer’s filing fee is capped at $200, and Bank of America pays the rest of the administrative and arbitrator fees.
Most consumer cases are decided on documents or in a single remote hearing within several months of filing. The arbitrator can award the same damages a court could, including attorney’s fees and statutory damages where the underlying law provides for them. An award is binding and enforceable in court under the Federal Arbitration Act.
Small claims still has a place. If your dispute fits your state’s limit and you are comfortable handling it on your own, the clause leaves that door open.
What U. S. Arbitration Corp. does
U. S. Arbitration Corp. is a national consumer-arbitration advocacy firm. We represent individual consumers in binding arbitration against banks, lenders, telecom companies, and other large counterparties. Across the firm we have worked on more than 60,000 consumer cases.
When a Bank of America customer engages us, we collect the account history and communications with the bank, draft and serve the pre-arbitration notice the clause requires, and — if the bank does not resolve the dispute in the cure window — file the demand with the AAA. From there we handle discovery, the hearing, and enforcement of any award.
Our fee is contingent — between 9% and 21% of the recovery — and no fee if we do not recover. You never advance our legal time.
Common Bank of America disputes
These are the categories that most often reach our intake desk.
Overdraft and non-sufficient funds fees. Fees assessed on transactions the customer believes were authorized for an amount the account could cover, including fees on re-presented items. Bank of America has been the subject of significant regulatory action over these practices in recent years, including a 2023 enforcement order from the Consumer Financial Protection Bureau requiring substantial consumer redress.
Denied fraud and unauthorized transaction claims. A charge you did not make, reported promptly, and the bank’s investigation closed without a refund. Federal banking rules set strict timelines and put real burdens on the bank, and denied claims are one of the most common arbitration subjects we see.
Auto loan disputes. Misapplied payments, force-placed insurance, payoff quote errors, and credit-bureau reporting problems.
Mortgage and home-equity disputes. Escrow miscalculations, loss-mitigation denials, payment misapplication, and post-modification servicing errors.
Account closures and freezes. Accounts shut down or restricted without an explanation the customer can verify, especially when direct deposit, business deposits, or pending checks were affected.
Credit card disputes. Reward-program denials, fee reversals the bank promised by phone but never posted, and disputed charges under the federal credit-billing rules.
Frequently asked questions
What is the Bank of America customer service phone number?
The main number for U.S. consumer accounts is 800-432-1000, Monday through Friday 8 a.m. to 11 p.m. ET and weekends 8 a.m. to 8 p.m. ET, with automated self-service 24/7. For lost or stolen debit cards, call 888-635-6000. For lost or stolen credit cards, 800-732-9194. For mortgage service, 800-669-6607.
Does Bank of America require arbitration?
For most consumer accounts, yes. As of May 18, 2026, Bank of America’s Deposit Agreement and Disclosures sends most disputes to binding individual arbitration administered by the American Arbitration Association, with a class-action waiver. Customers had 60 days from first notice to opt out at bankofamerica.com/arbitration-optout or by calling 800-283-8875. If you did not opt out in that window, you are generally bound by the clause.
How do I file an arbitration claim against Bank of America?
You send a written pre-arbitration notice describing the dispute and give the bank the contractually required period to respond. If the bank does not resolve it, you file a demand for arbitration with the American Arbitration Association under its Consumer Arbitration Rules and pay the consumer filing fee (capped at $200). The bank pays the rest of the administrative and arbitrator fees. U. S. Arbitration Corp. handles each of these steps for consumers on a contingency basis.
What kinds of Bank of America disputes go to arbitration?
The common ones are disputed overdraft and non-sufficient funds fees, denied fraud claims, auto loan servicing disputes, mortgage and home-equity servicing errors, account closures and freezes, and credit card disputes.
Can I still go to small-claims court?
Yes, within limits. Bank of America’s arbitration clause preserves the right to bring an individual claim in small-claims court if your dispute fits the dollar limit in your state and you proceed on your own. For anything larger, arbitration is the path.
Where is Bank of America’s corporate headquarters?
Bank of America Corporation’s principal executive offices are at the Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255. General written correspondence on deposit accounts goes to P.O. Box 25118, Tampa, FL 33622-5118. Formal escalations go to the Customer Satisfaction Department at P.O. Box 512868, Charlotte, NC 28512-8168.
Ready to have your case reviewed?
If you would like U. S. Arbitration Corp. to look at your Bank of America dispute, share the details through the form below. There is no charge to review your case, and no fee unless we recover.
Free review. No obligation. We respond within one business day.
This page is informational and does not create an attorney-client relationship with U. S. Arbitration Corp. An attorney-client relationship is formed only by a signed engagement letter. Nothing on this page is legal advice for a specific situation. If you have a Bank of America dispute, talk with an attorney about the facts of your case. Last reviewed: 2026-05-25.
Other companies we help you arbitrate against
U. S. Arbitration Corp. files consumer arbitration nationwide. See our other company-specific guides:
Banks & credit cards: Chase · Wells Fargo · Citibank · Capital One · U.S. Bank · PNC · Discover · Fifth Third · Ally · Charles Schwab · Navy Federal · USAA
Telecom & home services: AT&T · Verizon · T-Mobile · Comcast · ADT
Gig platforms: Uber · Lyft · DoorDash · Instacart · Amazon Flex
