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Disputed Purchase appearing on CR?

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mxp114
Valued Contributor

Disputed Purchase appearing on CR?

Bank of America has my account listed as "Account in Dispute" over a purchase dispute with a merchant. Is this normal? I was always under the impression that AID is strictly for disputing the account. Is there a CR dept that handles disputes? Thanks for any help. 

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3 REPLIES 3
pizzadude
Credit Mentor

Re: Disputed Purchase appearing on CR?

Did you dispute the merchant charge directly with BoA ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 4
ldkcivilservant
Frequent Contributor

Re: Disputed Purchase appearing on CR?

When I had a fraudulent charge posted on one of my accounts, it also came up as that. It's accurate. You are essentially disputing the amount you owe, which is de facto disputing the account. When it's resolved, the notation will disappear.

NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19.7k | Chase Freedom Unlimited $16k | Bank Americard $16k | Discover IT $13K | NFCU Flagship Rewards $10k | GS AppleCard $5.5k | Citi Simplicity $3k
Message 3 of 4
sznthescore
Established Contributor

Re: Disputed Purchase appearing on CR?

Citi did this to me and the update was "Dispute resolved - customer disagrees".  Definitely new too me.... never thought a disputed charge would constitute a dispute to the CRAs.

REBUILDER CARDS




Goal: FICO 700+
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