Bank Fraud Report Letter

Frequently Asked Questions

How do I report fraud on my bank account in writing?

Call your bank immediately to freeze the activity, then follow up in writing. The letter should identify your account (last four digits only), list each fraudulent transaction with dates and amounts, state clearly that the transactions were unauthorized, and request an investigation and provisional credit. Written notice preserves your rights under the Electronic Fund Transfer Act (Regulation E).

What information should a bank fraud report letter include?

Include your name and address as they appear on the account, the last four digits of the account number, and a table or list of the disputed transactions (date, amount, payee). Add a statement that you did not authorize them, a police report number if you filed one, and a request for written confirmation of the investigation outcome.

What are the deadlines for reporting bank fraud?

For electronic transactions, reporting within 60 days of the statement showing the fraud preserves your Regulation E protections. If a card or PIN was lost or stolen, reporting within two business days caps your liability at $50; waiting longer can increase it substantially.

Should I file a police report for bank fraud?

Yes, especially for identity theft, file a local police report and a report at IdentityTheft.gov (FTC). The report numbers strengthen your bank claim, help with credit bureau fraud alerts, and are often required for the bank to complete its investigation.