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How to Dispute a Charge on Your BMO Credit Card

Disputing a charge on your BMO credit card may seem complicated, but with the right guidance, you can navigate through the process smoothly. In this article, we'll explore some of the most effective methods, including online banking, using the mobile app, and calling customer service.

Disputing a Charge through BMO Online Banking

If you prefer the convenience of online banking, disputing a charge with BMO is relatively straightforward. Here's a step-by-step guide:

• Log in to your BMO online banking account.
• Click the "Activity" and "Statements" option on the home page.
• Select the account for your BMO MasterCard.
• Choose the statement period during which the disputed transaction was made.
• Click on the transaction you wish to dispute, where you will find the option to "Report an issue" with the transaction.
• Follow the prompts to provide information about the reasons for your dispute – be as detailed as possible.
• Once completed, BMO will review your dispute and contact you with their decision.

Disputing a Charge Using the BMO Mobile App

Alternatively, you can dispute a charge on your BMO credit card using the BMO Mobile App. It offers the same functionalities as the online banking platform but with the convenience of being available on your mobile device. Here is how you go about it:

• Download and open the BMO Mobile App on your device and log in to your account.
• On the home page, you'll find a list of your available cards. Locate and tap on your BMO MasterCard.
• Go through your recent transactions and select the one you wish to dispute.
• Click on the transaction, and you'll find an option to ‘Report a problem’.
• Fill in the required information detailing why you are disputing the transaction and hit ‘Submit’.
• Wait for BMO's response regarding your dispute.

Disputing a Charge by Calling BMO Customer Service

If you’re more comfortable speaking with a representative in person, you can also dispute the transaction by calling BMO customer service. Here are the steps to follow:

• Find the Customer Service number on the back of your BMO credit card, This will ensure you are connected directly to the card department. Alternatively, you can call 1-800-263-2263.
• When connected with a representative, explain that you wish to dispute a charge on your BMO MasterCard.
• Provide information about the disputed transaction, including the amount, date of the transaction, and why you are disputing it.
• The representative will guide you through the rest of the process.

Regardless of the method you choose to dispute a charge on your BMO credit card, rest assured that BMO has established procedures to handle these situations. Ensure you provide as many details as possible to aid in their review and remember that patience is key as resolutions may not be immediate. If you have followed the right process, you'll get your dispute resolved.