Dispute and chargeback request to your bank — card or UPI fraud

दस्तावेज़

To,
The Branch Manager / Nodal Officer
________________

Subject: Dispute of an unauthorised / fraudulent transaction — request for chargeback, reversal, and a lien on the beneficiary account.

Made under: RBI circular DBR.No.Leg.BC.78/09.07.005/2017-18 dated 6 July 2017 (Customer Protection — Limiting Liability of Customers in Unauthorised Electronic Banking Transactions); the card network's chargeback rules and the NPCI dispute-resolution process for UPI.

Sir / Madam,

1. I am ________________, resident of ________________, mobile ________________, email ________________, holding account / card ending ________________ with your bank.

2. On ________________ the following transaction was made from my account without my authorisation / as a result of fraud:
Amount: ₹________________
Reference (UTR / RRN): ________________
Sent to: ________________

3. What happened:
________________

4. I reported this to the National Cyber Crime Reporting Portal / helpline 1930; the acknowledgement number is ________________.

5. Under the RBI circular of 6 July 2017, where a customer reports an unauthorised transaction within three working days, the customer's liability is nil; the bank must credit (shadow-reverse) the amount within ten working days of the notification, and must resolve the complaint within ninety days.

I therefore request that you:
(a) register this dispute and give me a complaint number;
(b) raise a chargeback / UPI dispute with the beneficiary bank and the network;
(c) request the beneficiary bank to mark a lien on, or freeze, the amount in the receiving account, quoting the cybercrime acknowledgement above;
(d) credit the amount to my account as the circular requires; and
(e) send me the transaction details and logs needed for the police complaint.

Yours faithfully,

________________
________________

Place: ________________
Date: ________________