Fill in Unauthorised Bank Transaction Complaint

Fill in your details

Unauthorised Bank Transaction Complaint

Answer what you can. The draft beside these boxes is rewritten as you go, so you can see exactly what each answer does to the document.

What you type stays in this browser. Nothing is sent anywhere until you choose to keep a copy — and closing this tab loses it.

Your answers

Nothing answered yet. There are 24 questions on this form.

Still to answer

22 answers are still to come.

Nothing is amiss in what you have written. The document is simply not finished, and the draft marks each gap where an answer will go.

On what date do you sign this?Needed

A calendar date — the day, the month and the year. Dates in a document like this are read against one another, so a date typed here can change what another date is allowed to be.

For example: 16 November 2026

From which town or city do you send this?Needed

For example: Ludhiana

How will you send this?Needed

I am sending this by registered post with acknowledgement due.I am sending this by speed post and keeping the tracking report as proof of delivery.I am sending this by courier, against a signed and dated delivery receipt.I am delivering this by hand, against a signed and dated acknowledgement.I am sending this by email and keeping the sent copy as proof.

To which bank and officer is the complaint addressed?Needed

For example: The Branch Manager, Punjab National Bank, Urban Estate branch

At what address is it sent?Needed

House / flat / plot no.

Street, sector or locality

City area and PIN code

Does the bank have a grievance email address for a copy?You may leave this

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: grievance@examplebank.example.com

What is your name?Needed

For example: Gurpreet Singh Dhillon

What is your address?Needed

House / flat / plot no.

Street, sector or locality

City area and PIN code

What is your email address?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: gurpreet.dhillon@example.com

What is your phone number?Needed

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

For example: +91 98150 47731

What is this about, in one line?Needed

For example: Unauthorised debits of 48,500 rupees from savings account ending 5512 on 3 November 2026

Which account or card is affected?Needed

For example: my savings account ending 5512 and the debit card linked to it

Which transactions did you not make?Needed

For each: the date, time if known, amount and how it shows in your statement or SMS.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: On 3 November 2026: 25,000 rupees at 11:42 pm and 23,500 rupees at 11:47 pm, shown in my statement as online purchases from a merchant I do not know.

What is the total amount taken?Needed

An amount in rupees. Commas and a ₹ sign are both fine — write it the way you would write it anywhere else, and the document is given the tidy form of it.

For example: 48500

When did you first come to know?Needed

A calendar date — the day, the month and the year. Dates in a document like this are read against one another, so a date typed here can change what another date is allowed to be.

For example: 4 November 2026

When and how did you first tell the bank?Needed

The date, time, how (call, branch, app, email), and any reference number.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: I phoned the bank's helpline at 7:15 am on 4 November 2026, had the card blocked, and was given complaint reference 88231 by the agent.

What do you know about how it happened?Needed

Calls, messages, links or lost devices, in plain facts. Say "I do not know" if you do not.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: The previous evening I received a call from a person claiming to be from the bank, who asked me to click a link. I closed the link, but the transactions followed that night.

Did you share any OTP, PIN, password or card detail?Needed

I have not shared any OTP, PIN, password, CVV or card detail with anyone, and no one has had my card or phone.I may have been tricked into sharing a detail or opening a link, as I have described in paragraph 4, but I did not authorise any of these transactions.

What have you reported to the police or cyber crime helpline?Needed

Where and when, with any acknowledgement number; write "Not yet reported." if you have not.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: I reported the matter on helpline 1930 on 4 November 2026 and on cybercrime.gov.in, acknowledgement number 2611045001234.

Is there any further loss you want made good?You may leave this

Only costs you can show, such as returned-cheque charges; leave blank if none.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: Bank charges of 590 rupees levied on the returned instalment cheque because the money was missing.

Which papers are you enclosing?Needed

Number each paper. Send copies and keep the originals.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

For example: 1. Bank statement for November 2026 with the transactions marked. 2. Screenshots of the SMS alerts. 3. Acknowledgement of my report on helpline 1930. 4. Copy of my identity proof with the Aadhaar number masked.

Who will hold the completed record?Needed

For example: Kuldip Singh Sandhu

Which email address should receive privacy requests?Needed

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: kuldip.sandhu@example.com

Do you consent to the personal-data handling described in this document?Needed

I consent to the collection and use described in the Personal Data NoticeI do not consent to the collection and use described in the Personal Data Notice

Your answers go with you to the next page, which asks you to sign in, or to make an account, before the download.

Continue to download

Read the whole draft

Clearing empties every box on this form, and there is no way back to what was in them.

The live draft

The draft, as it stands

This is the whole document, not a sample of it. It is rewritten every time you change an answer.

A long blank line — __________ — stands wherever an answer has not been given. It is left that visible on purpose, so an unfinished document cannot be mistaken for a finished one.

No answer has been given, so every place a detail belongs is standing blank. The shape of the document is worth reading even now.

COMPLAINT ABOUT UNAUTHORISED BANK TRANSACTIONS

Complaint to the bank about money taken from my account or card without my authority

Date: __________, at __________

__________

To: __________, __________

From: __________, __________ (email __________, telephone __________)

Subject: __________

Sir or Madam,

1. My account. I hold the account or card described as __________ with your bank. I did not make or authorise the transactions listed below.

2. The transactions. __________ The total taken without my authority is __________.

3. When I found out and what I did. I came to know of these transactions on __________. __________

4. What I know about how it happened. __________

5. My details. __________

6. Other reports. __________ I will give the police any help they need.

7. What I require. Please, at once: (a) block or hold the card, account access or channel used for these transactions, so that nothing more can be taken; (b) look into the transactions and tell me in writing what you found; (c) reverse __________ to my account, since I did not authorise the transactions; (d) give me the records of the transactions, including the time, channel and device or merchant details of each; and (e) tell me in writing the name of the officer handling this and the date by which you will answer.

8. The Reserve Bank's directions. I rely on the Reserve Bank of India's directions limiting a customer's liability for unauthorised electronic banking transactions. As I understand them, the bank must prove any negligence on the customer's part, and must act on a prompt report as those directions provide. I have reported this promptly and I ask you to follow them.

9. If you do not. If I do not receive a full written reply within the time those directions and your own policy allow, I will take the complaint to the Reserve Bank's Ombudsman and, if needed, to the District Consumer Commission, and I will ask for interest and compensation.

ENCLOSURES

__________

LEGAL BASIS

Punjab and Chandigarh: The Reserve Bank of India's directions on limiting the liability of customers in unauthorised electronic banking transactions govern what the bank must do; how much of the loss the customer bears depends on how quickly the transaction is reported and on where the fault lay. A bank's service to its customer is a service under the Consumer Protection Act, 2019, so a complaint of deficiency can be taken to the District Commission, and the Reserve Bank's Integrated Ombudsman Scheme in force lets a customer complain to the Ombudsman if the bank rejects the complaint or does not answer. Online financial fraud can also be reported on helpline 1930 and on the National Cyber Crime Reporting Portal. No fee is payable on this letter.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

The purpose of collecting the personal data in this document is to identify the account holder, record the transactions complained of and what was done about them, and let the bank investigate and reply.

The record will be held by __________ and may be shared with the bank and its grievance officers, the police and cyber crime authorities, the Reserve Bank's Ombudsman, the sender's advocate, and any Commission or court that hears the matter.

If the matter does not proceed, the personal data will be retained for 90 days and then erased. If the matter proceeds, the record will be retained for the transaction or authority matter plus 12 months, except where a statute requires a longer named retention period.

A person named in this document may request correction or erasure where the purpose has ended, withdraw consent for future consent-based processing, or raise a grievance by writing to __________. The record-holder should acknowledge and reply within 30 days.

Data minimisation: this document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or bank credentials.

Personal-data instruction: __________.

SIGNATURE

______________________________
Signature
Complainant: __________
Place: ____________________
Date: ____________________

The rest stays out of view until every answer is in.

Reading costs nothing. Keeping a copy needs an account.

The opening of the draft is on this page as you answer it. Once every answer is in, the button below opens the whole draft, watermarked — still without an account. Printing it, or keeping a clean copy, is where an account is asked for. That is the whole arrangement.

A kept copy has to belong to somebody, and that is the reason for the account. There is nothing further to it.

Continue to download

Carry on reading without one

Back to what this document is