How to write a letter of claim to the bank?

We provide you with some basic tips on how to write a claim letter to the bank. Then, an example model so you can have a basic reference…

The customer is not always right. Nevertheless, every customer has the right to claim if you don’t get what you expect.

Even more if there is money involved, improper charges, unrecognized bank movements or problems withdrawing the funds that belong to one.

A letter of claim to the bank serves to inform the authority, representative or department in charge within the banking institution about a particular problem, with the purpose of solving it as soon as possible.

The presentation of the letter in writing, whether you send it via e-mail or deliver it printed in person, is highly relevant, since it is a way of record such a situation.

In the event that the problem escalates and requires going to court, the claim letter to the bank will serve to demonstrate that the disputed problem was duly communicated.

claim letter to the bank

Banks often offer their own digital/print forms and specific systems for the presentation, monitoring and resolution of queries, complaints and claims.

By way of examples:

Depending on the type of complaint, the letter could be addressed to the customer service department, to the head of a certain bank branch, or even to the manager of the bank.

Watch: How to contact Banco Santander?

How to write a letter of claim to the bank?

There is no standard format letter of claim to the bank, because each banking institution is different. In addition, the types of claims are also very different.

how to write a claim letter to the bank

But in all cases, it is suggested to present the claim in writing, with a formal, simple, clear and courteous language, without ironies, threats or expressions of anger.

It is also advised provide evidence of the situation (either with documents, screenshots, images, etc.) and include what is expected in return as a solution.

Although the forms may change from one bank to another and depending on the type of claim, it is generally required:

  • Provide customer identification data.
  • Provide bank account information.
  • Mention how long you have been a customer.
  • Specify clearly and concisely the reason for the claim.
  • Include data associated with the operation object of the claim (date, concept, amount, etc.).
  • Suggest what could be done to solve the problem.
  • Provide contact information for an easy and quick location of the client.
  • Attach / Attach documents that serve to support the claim.

Watch: Bancolombia Telephone – How to contact from Colombia and from abroad?

When to submit a letter of claim to the bank?

If you have had any of these and other inconveniences, submit your claim letter to the bank as soon as possible:

  • Problems with particular bank services
  • Unacknowledged withdrawals
  • Unrecognized operations in shops and/or through the Internet
  • Unrecognized charges on credit card / debit card
  • Duplicate Charges
  • Unauthorized access to bank accounts
  • Technical errors in the bank’s web platform that prevent transfers
  • Claims for unauthorized movements
  • adulterated amounts
  • Amounts other than subscribers
  • Account/fund lockouts
  • Inability to withdraw funds from ATMs
  • PIN locks, passwords, etc.
  • Security problems of the bank’s digital platform
  • Errors in transaction amounts
  • Canceled purchases / Returns NOT reflected in the account statement

Sample letter of complaint to the bank

Although there is no single way to write a claim letter to the bank, here is an elementary model to make your task easier:

Date:_________________

Day, month and year in which the letter is written.

A:_________________

Recipient name / Bank name, branch and location.

Business:_________________

Indicate in 2-5 words the reason for the claim.

Body of the letter:_________________

Specify how long you have been a customer, describe the problem or situation, provide your bank account information, as well as the amounts and type of operation involved in the claim.

Suggest a solution to the problem and if possible, attach / attach documentation -screenshots, proof of payment, etc- to support the claim.

Client’s signature_________________

Sample letter of complaint to the bank

12/30/2021

Pearl Bank, Branch 118, Margarita de Ocas 234

Dear Mr./Mrs.,

My name is Gerardo Menesteiros, a client of Pearl Bank for eight years, a bank where I have a personal savings account, which was opened in December 2013 at branch 118.

I wish to inform you that I have noticed an unauthorized movement in my bank account No. 12989756330, for an amount equivalent to 6,000 dollars.

After reporting the problem to the Pearl Bank Customer Service department, they referred me to more than five people, without giving me a specific solution or procedure to follow.

They promised me that they would contact me shortly, which has not happened yet.

I request that my case be investigated and that they give me an immediate solution, reimbursing the unauthorized funds.

Likewise, I demand that you give me an accurate answer regarding the origin of the problem.

On several occasions, this kind of situation is due to user errors and negligence. However, other times they respond to severe security flaws in the digital platforms provided by the banks.

I have been working in the cybersecurity field for four decades, so I can safely tell you that the problem did not come from carelessness on my part.

These are my bank account details:

  • Account holder: Gerardo Menesteiros
  • Account number: 12989756330
  • Account type: Savings account

Thank you very much in advance and I await your prompt response,

Sincerely,

Gerardo Menesteiros.

Cell phone number: +89 5659 969 56 / E-mail: gmenesteiros@securiysystemsltda.com

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