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How to Dispute a Charge on your BMO Credit Card: A Comprehensive Guide

In the modern world, credit card disputes are a common occurrence. They can happen for a variety of reasons: maybe you noticed an unauthorized charge on your statement, or you were incorrectly charged for a purchase. No matter the reason, it's essential to understand how to dispute these charges. This guide aims to provide clear, easy-to-follow steps on how to dispute a Bank of Montreal (BMO) credit card charge, enabling you to resolve such situations via online banking, mobile app or by calling customer service.

Disputing a credit card charge via Online Banking

BMO's online banking system provides a simple and secure method to dispute credit card charges. It takes a multi-step process, so let's unpack it in detail.

• Navigate to the BMO online banking platform and sign in by providing your username and password.
• Go to the "Account Summary" section, locate your credit card account, and click on it to see the detailed transactions.
• Identify the transaction you wish to dispute and note down all the details related to it – date, merchant, amount, etc.
• Proceed to the "Service Centre" and find the "Report a Credit Card Transaction Dispute" link. Click on it.
• Fill out the form appropriately with the transaction details you copied earlier and submit.

Disputing a credit card charge via BMO Mobile App

Disputing a charge on your credit card can also be done using the BMO mobile app, offering convenience for those on-the-go. Here's how you can do it:

• Open the BMO Mobile Banking App on your smartphone or tablet and sign in.
• Go to the "Accounts" section, locate your credit card account, and select it to see the transaction history.
• Find the transaction you disagree with and take note of the specific details.
• Click the "More" button on the bottom right of the screen, then pick "Dispute Transaction."
• Follow the prompts, input the noted details, and submit your dispute.

Disputing a credit card charge by Calling Customer Service

If you are not comfortable using Online Banking or the Mobile App, BMO's customer service is always at your disposal. They can guide you through the charge dispute process over the phone.

• Pick up your phone and dial 1-877-225-5266, which is BMO’s customer service hotline.
• Follow the automated prompts and select the appropriate option for disputing a charge.
• When connected with a representative, provide the necessary details about your dispute charge, including your card details, the transaction's date, amount, and merchant.
• The representative will guide you through the remaining steps, including the possible submission of additional supporting documents.

Remember, the earlier you report a dispute, the better. Each method has its own timeframe for results, so patience is advised. Your financial security is BMO's priority, and they're equipped to handle these situations. Hopefully, this guide has made the charge dispute process clearer for you.