Unauthorized Transaction Dispute Letter
Report and dispute unauthorized electronic fund transfers.
When to Use This Template
Use this when money was taken from your account without authorization, stolen debit card, compromised account, unauthorized ACH debits, or fraudulent transfers. Report within 2 business days to limit your liability to $50 under the EFTA.
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[Your Full Name]
[Your Address]
[City, State ZIP]
[Date]
Dispute Resolution Department
[Bank Name]
[Bank Address]
[City, State ZIP]
Sent via Certified Mail, Return Receipt Requested
RE: Dispute of Unauthorized Transaction, Account Ending [Last Four Digits of Account Number]
Dear Sir or Madam:
I am writing to dispute an unauthorized transaction on my account ending in [Last Four Digits of Account Number]. On [Date of Transaction], a charge of [Dollar Amount] payable to [Merchant or Payee Name] was posted to my account. I did not make, authorize, or benefit from this transaction, and I did not give anyone permission to use my account or card.
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Frequently Asked Questions
What should I do about an unauthorized bank transaction?
Report it to your bank as soon as you notice it, by phone first, then in writing. Under the Electronic Fund Transfer Act (Regulation E), your liability for unauthorized electronic transfers is limited when you report promptly, and it can increase the longer you wait.
How long do I have to report an unauthorized transaction?
For electronic transfers, notifying your bank within 60 days of the statement showing the error preserves your Regulation E protections. Reporting a lost or stolen card within two business days limits your liability to $50.
How long does the bank have to investigate?
Generally 10 business days from receiving your notice (20 for new accounts). The bank can take up to 45 days if it provisionally credits your account for the disputed amount while it investigates.
Will I get my money back?
If the bank's investigation confirms the transaction was unauthorized, it must correct the error, including refunding the amount and any related fees or interest. If it denies the claim, it must give you a written explanation and you may request the documents it relied on.
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Important Disclaimer
This template is provided for informational and educational purposes only and does not constitute legal, financial, medical, or professional advice. Every situation is unique. You should consult with a qualified attorney or licensed professional before sending any formal correspondence, especially for matters involving legal rights, government agencies, financial disputes, employment issues, or family court proceedings. Use of this template does not create an attorney-client or professional-client relationship. Formal Letter Templates is not a law firm and does not provide legal services.