The purpose of a complaint letter is to draw the attention of the bank towards an unauthorised/fraudulent transaction, give the bank the information it needs regarding the customer and their account and to request that the money be traced and reversed.
When there is an unauthorized transaction from your account, it is your obligation as the account holder to quickly notify your bank to do the needful.
Check out sample complaint letters that you can use to craft a professional letter to notify your bank of an unauthorised transaction.
You may also like to check out: Warning Letter To Employee For Misconduct
Complaint Letter To Bank For Unauthorised Transaction #1
The Branch Manager
________ (Bank Name)
________ (Address)DATE:__/__/____SUBJECT: Fraudulent Transaction Complaint in Account Number _________Sir/madam,This letter is in regard to the message I received on ________ (Date), stating that my account was debited by Rs. ________ (Amount) from my account ________ (Account Details).
I want to draw your attention to the incident that happened before the said transaction message. On ______ (Date), I had received _______ (call/sms/message) from (bank representative, bank e-mail ID etc.) asking for Bank details _________ for (purpose) and asked to confirm ATM card and CVV number. (explain all the relevant information you have regarding the transaction done like otp).
To my next breath, I realized transaction/ Cash withdrawal was made from my account (give the details). It was quite obvious by now that I had been cheated and hence I lodged the complaint with cyber cell and investigations are still on.
I am attaching the screenshot of the message received so that you can be sure and check if the action has been initiated by any of your account holders.
Please let me know further steps to protect my account in the future.
Also, let me know if there is a possibility to recover my hard-earned savings.
________ (PHONE NUMBER)
Complaint Letter To Bank For Unauthorised Transaction #2
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.
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.
Complaint Letter To Bank For Unauthorised Transaction #3
Address of the sender:To:
Address of the recipientDate:Dear Madam/Sir,I have a current account in your bank for the past 10 years. I am writing this letter to bring this to your notice that an amount of (mention the amount) has been debited from my account on (Date). This transaction was not carried out by me although only I am allowed to conduct this transaction.
I came to know about this unauthorized transaction when I got a bank statement from the bank for a loan purpose. I was so shocked to see this. Below are my contact details:
I am attaching a copy of my account statement with this letter that shows that unauthorized transaction.
I am writing this letter to you so that you take necessary actions and help me recover the money indebted from my account in a stealthy way.
Name of the sender
Complaint Letter To Bank For Unauthorised Transaction #4
__________ (your address)To__________ (name of recipient)
__________ (name of organization)
__________Date __________ (date of writing letter)Dear Sir/Madam,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)
Complaint Letter To Bank For Unauthorised Transaction #5
I am [Name] and I have been a customer of this bank for a very long time. I have been the holder of the silver card of the bank’s clientage services. I have been very satisfied with the services of your bank but I am very disappointed with the recent discrepancy of your team regarding a matter of the unauthorized transaction.
I received a text message from the (XYZ Branch) of the bank, informing me that an amount of (state exact amount) has been withdrawn from my account. I called the bank to confirm if there has really been a transaction.
After confirming from the bank, I called the manager to enquire about the probability of a criminal doing the unauthorized transaction from my account and its way to settlement. I was told that I need to contact the head office about this matter. Later, I was told that this does not belong to any of the bank’s discrepancy and I have no right to hold the bank liable for this.
I am disappointed with this unprofessional demeanor and file a complaint against unauthorized transactions from my account. More details have been enclosed in the form of screenshots and saved images. You are required to look into this matter otherwise I will be compelled to file a complaint against the bank in the Local Law Enforcement Authorities.
You can contact me at [email]. I am looking forward to your kind response. Thank you.
Complaint Letter To Bank For Unauthorised Transaction #6
Your City, State, Zip Code
Your Account NumberName of Creditor/Bank
Address City, State, Zip CodeDear 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)