Writing a complaint letter to a bank about fraudulent transactions requires clarity and politeness. Ensure to include necessary details like the date, transaction amount, account details, and a brief description of the incident. Avoid unclear language and provide evidence if available. Politely request further steps to protect your account and inquire about the possibility of recovering lost funds.

Table of Contents:

Letter to Bank Regarding Fraud Transaction

The Branch Manager
________ (Bank Name)
________ (Address)


SUBJECT:  Fraudulent Transaction Complaint in Account Number _________


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.

________ (NAME)
________ (SIGNATURE)
________ (PHONE NUMBER)

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  1. How should I address a complaint letter to my bank regarding unauthorized transactions?
    • Start with a polite salutation to the branch manager or appropriate authority. Clearly state the issue, including the date of the unauthorized transaction, the amount involved, and any relevant details leading up to the incident.
  2. What information should I provide in a complaint letter about fraudulent transactions?
    • Include details such as the date of the incident, the amount debited, any suspicious communications received beforehand, and actions taken following the discovery of the unauthorized transaction. Attach any supporting evidence if available.
  3. What steps should I take after sending a complaint letter about fraudulent transactions to my bank?
    • After sending the letter, follow up with the bank to ensure they received it. Monitor your account closely for any further unauthorized activity. Cooperate with the bank's investigation process and consider reporting the incident to relevant authorities such as the cyber cell.
  4. How can I prevent unauthorized transactions in the future?
    • Regularly monitor your account activity, avoid sharing sensitive banking information, and be cautious of unsolicited communications requesting personal or financial details. Enable transaction alerts and additional security measures provided by your bank.
  5. Is it possible to recover funds lost due to fraudulent transactions?
    • Recovery options depend on various factors, including the bank's policies, the nature of the fraudulent activity, and the timeliness of reporting. Contact your bank immediately upon detecting unauthorized transactions to maximize the chances of recovering lost funds.

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