When you notice unauthorized transactions on bank account, it’s important to notify your bank of the transaction through a complaint letter. The complaint letter is a formal document that can be used for record-keeping and to trace the deducted money. Such a letter helps the bank to do the needful regarding a transaction that was not authorized by the bank’s client and to investigate the cause of such problems to prevent similar complaints in the future.
Find below, sample compliant letter you can write to your bank to dispute a fraudulent transaction or an unauthorized transaction.
Sample Complaint Letter to Bank for Unauthorized Transaction #1
__________ (your address)
To__________ (name of recipient)
__________ (name of organization)
Date __________ (date of writing letter)
I am holding a … Account (mention type) in your bank for the past … years (mention duration) years. I wish to bring to your notice that an amount of …. (mention amount) has been debited from my account on …(mention date) not executed by me.
The transaction came to light when …(mention how you realized about the transaction)
My account details are:
Account No: …..
Type of Account: …..
I am enclosing a copy of my account’s balance status, which reflects the transaction number and other details of the fraudulent transaction.
I request you to take up this matter urgently to help me recover my money.
__________ (your name)
Sample Complaint Letter to Bank for Unauthorized Transaction #2
Your City, State, Zip Code
Your Account Number
Name of Creditor/Bank
Address City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute a fraudulent [charge or debit] on my account in the amount of $______. I am a victim of identity theft, and I did not make this [charge or debit]. I am requesting that the [charge be removed or the debit reinstated], that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.
Enclosed are copies of [use this sentence to describe any enclosed information, such as a police report] supporting my position. Please investigate this matter and correct the fraudulent [charge or debit] as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance.
Enclosures: (List what you are enclosing)
Sample Complaint Letter to Bank for Unauthorized Transaction #3
Date (date on which letter is written)
My name is ____________ a ____________ account holder in your bank for the last ____________ years. I hold an account in the name ____________ and account number ____________. I wish to complain about deduction of money from my account. Since I started banking with you, this has never happened again.
I wish to bring to your attention that ____________ (amount) has been debited from my account in a transaction not executed by me. On ____________ (date) ____________ (time) I received a text that I have withdrawn ____________ from my account. Unfortunately I did not make this transaction.
I filed for a bank statement and it showed that the money is missing from my account. I hereby enclose a copy of the bank statement for your reference. Kindly investigate and shed light on this matter. I look forward to your response to the problem. Please contact me on my email ____________ or mobile ____________ if you have any information regarding this transaction.
I hope you will credit my account soon. Thank you in advance.