TEMPLATE UNAUTHORIZED ELECTRONIC FUND TRANSFER DISPUTE LETTER

Not legal advice.

This is purely illustrative and meant to give consumers an example of how to draft their own dispute letter.

To address an unauthorized wire transfer, promptly notifying your bank is essential, given the limited timeframe for disputes.

Ensure your letter includes all pertinent details and documentation.

Remember to always send via certified mail for proof of mailing.

[Date]

[Your Name]
[Your Address]
[City, State, Zip Code]

[Bank Name]
[Bank Address]
[City, State, Zip Code]

Subject: Dispute of Unauthorized Wire Transfer on Account No. [Your account number]

Dear [Bank Representative/To Whom It May Concern],

I am writing to formally dispute an unauthorized EFT transfer of [$______] that was processed from my [checking/savings] account on [date]. I did not authorize this transfer; it occurred due to [briefly describe the issue, such as account hacking or bank error].

I request the immediate return of the transferred funds to my account or a full refund of the amount. The bank is responsible for this unauthorized transaction, and I will take necessary actions if the funds are not restored.

Enclosed, please find [list supporting documents, e.g., proof of transfer, evidence of unauthorized transaction] that substantiate my claim. I urge you to correct this error promptly.

Litigation Hold: Given the potential for legal action, you are required to preserve all electronic and hard copy records related to the unauthorized wire transfer.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]

Enclosures: [List enclosed documents, ensuring they are copies, not originals.]