Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide
Money taken from your account or card that you did not authorise? For $49 we draft two things you use yourself: a formal written dispute to your bank or card provider that reports the unauthorised transaction, sets out your details, raises the ePayments Code (under which the account holder is generally not liable for a transaction they did not authorise, unless an exception applies), requests a chargeback for a card payment, and asks the bank to investigate and reimburse; and a plain-English step-by-step guide telling you who to call first, how to report it, and how to escalate for free if the bank refuses. We cannot guarantee you will be reimbursed — the outcome depends on the Code's liability rules and whether an exception applies — but acting fast and in writing gives you the best footing. Claim Done is a flat $49 document service and takes no percentage of anything you recover. Never pay anyone who contacts you promising to get your money back.
What this document does
- For $49 we draft two things you use yourself: a formal written dispute to your bank or card provider that reports the unauthorised transaction, sets out your details, raises the ePayments Code (under which the account holder is generally not liable for a transaction they did not authorise, unless an exception applies), requests a chargeback for a card payment, and asks the bank to investigate and reimburse; and a plain-English step-by-step guide telling you who to call first, how to report it, and how to escalate for free if the bank refuses.
- We cannot guarantee you will be reimbursed — the outcome depends on the Code's liability rules and whether an exception applies — but acting fast and in writing gives you the best footing.
- Records the facts that matter on paper: bank or card provider, bank address or disputes contact, how the transaction happened, whether a pin, code or remote access was shared.
- Sets a clear deadline and spells out what happens if they ignore it.
- Delivered as a PDF you download the moment it is ready.
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- Which bank or card provider was the money taken from? That's who this dispute goes to. Add your account or card number if you have it handy.
- Your bank's address or complaints/disputes contact, if you know it. If not, leave it blank — the big banks all take disputes by phone and through their app or website.optional
- How do you think the transaction happened without your say-so?
- Did you share any PIN, passcode, password, one-time SMS code, or give anyone remote access to your device?
- How much was taken in total? Your best figure in dollars — add detail in the next questions if it was more than one transaction.
- When did the transaction(s) happen, and when did you notice and report it? Even rough dates and times help — reporting quickly matters under the ePayments Code.
- What transaction details do you have? Dates, amounts, and any merchant or payee names exactly as they appear on your statement.
- What have you done so far? For example: have you called your bank's fraud line? Have they blocked the card or given you a reference? Changed any passwords?optional
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
Unauthorised Transaction Dispute — drafted to the right state law
One document, eight jurisdictions. We only ever cite the Act, regulator and tribunal for your state, so nothing from another jurisdiction bleeds into your unauthorised transaction dispute.
New South Wales
Drafted under the law that applies in New South Wales.
Victoria
Drafted under the law that applies in Victoria.
Queensland
Drafted under the law that applies in Queensland.
Western Australia
Drafted under the law that applies in Western Australia.
South Australia
Drafted under the law that applies in South Australia.
Tasmania
Drafted under the law that applies in Tasmania.
Australian Capital Territory
Drafted under the law that applies in Australian Capital Territory.
Northern Territory
Drafted under the law that applies in Northern Territory.
From your answers to a finished Unauthorised Transaction Dispute in three steps
Answer 8 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We draft it for your state
Your Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide is drafted to the legislation, regulator and tribunal for your state or territory, then formatted as a professional PDF. Usually ready within about five minutes.
Review, confirm, receive
The draft lands in your dashboard for you to read. Change anything that isn't right (two free amendments), confirm it, and we email you the final PDF. Nothing is sent to anyone else.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Unauthorised Transaction Dispute — $49 →$49 flat fee · You review it first · unlimited edits
Everything about the Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide
How much does the Unauthorised Transaction Dispute cost?
A flat $49 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 8 questions, which take a few minutes to answer. After you pay, your draft is usually ready in about 5 minutes, and you can read it and request changes before you approve it.
When do I get the document?
The draft of your Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide is usually ready in about 5 minutes. You read it on your dashboard and can change the wording; once you confirm it, the final PDF is available to download and emailed to you.
What if I need changes?
You read the full Unauthorised Transaction Dispute on your dashboard first. You can change the wording or ask for a redraft, with unlimited edits and 2 redrafts included, then confirm it and the final PDF is yours to download and keep.
Does it work in my state?
Yes. The Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide is drafted to the law of the state or territory the matter is in — NSW, Victoria, Queensland, WA, SA, Tasmania, the ACT and the NT — citing the right Act, regulator and tribunal or court for that state.
Read up before you send
Other government & complaints documents
Put it in writing today.
A few quick questions and your Unauthorised Transaction? Bank Dispute Letter + Step-by-Step Action Guide is drafted for your state. No card required until the end.
Start My Unauthorised Transaction Dispute — $49 →