Letter to Dispute Fraudulent Credit Card Transaction - Word & PDF Template Form

________
________
Email: ________
Phone: ________

________
Attention: Disputes & Chargebacks Team
________

Date: ________

RE: NOTICE OF UNAUTHORISED (FRAUDULENT) TRANSACTION — ACCOUNT NO. ________

To the Manager,

§ 1 — Purpose of this letter

1.1 I am writing to formally notify you of, and to dispute, an unauthorised and fraudulent transaction processed against my credit card account held with ________ ("the Bank"). This letter constitutes a complaint and a request for a chargeback in accordance with the Bank's obligations.

1.2 I have not authorised, and do not ratify, the transaction described in § 2 ("the Transaction").

§ 2 — Particulars of the disputed Transaction

Cardholder Name: ________
Card Number: xxxx xxxx xxxx ________
Account Number: ________
Date of Transaction: ________
Transaction Amount: $________
Merchant Name: ________
Merchant Reference / Receipt No.: ________
Date Transaction first noticed: ________

§ 3 — Statement of facts

3.1 The Transaction was not authorised by me. I did not provide my card or card details to the merchant named above, nor did I consent to the debit of my account.

3.2 I have not, at any time, given my Personal Identification Number (PIN), one-time password, internet banking credentials or any other security information to any other person, and I have complied with my obligations under the Bank's terms and conditions and the ePayments Code in relation to the safeguarding of those details.

3.3 To the best of my knowledge, the circumstances giving rise to the Transaction are as follows: ________.

§ 4 — Reporting

4.1 I confirm that I have reported the unauthorised use of my card to the Bank on ________.

4.2 Where applicable, I have also reported the matter to the police and/or ReportCyber, with reference number: ________.

§ 5 — My rights and the Bank's obligations

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5.2 I also rely upon the Bank's obligations under the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code, the Banking Code of Practice (where the Bank is a subscriber), and the Bank's internal dispute resolution obligations.

§ 6 — Demand

6.1 I request that the Bank:

(a) reverse the Transaction and credit my account with the full amount of $________, together with any associated interest, fees or charges debited as a consequence of the Transaction;

(b) initiate a chargeback against the merchant in accordance with the applicable card scheme rules;

(c) cancel and reissue my card and decline to process any further transactions from the merchant named above or any transaction purporting to be authorised on the existing card details; and

(d) confirm in writing that this dispute has been received and is being investigated.

§ 7 — Response required

7.1 If you require any further information from me in order to investigate this matter, please contact me using the details provided above. I am willing to provide a statutory declaration or any reasonable supporting documentation upon request.

7.2 Please confirm in writing, within 21 days of the date of this letter, that this instruction has been received and that the Transaction has been reversed as requested above.

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§ 8 — Reservation of rights

8.1 Nothing in this letter is to be taken as a waiver of any of my rights at law or in equity, all of which are expressly reserved.

Yours faithfully,

________
Signature: ________
Date: ________