Use this bank fraud complaint letter generator to write a clear, complete letter to your bank after an unauthorised transaction. Fill in what you know. Leave the rest blank and it will show a [bracket] for you to complete. Your details stay in your browser.
If money has just left your account, call 1930 and your bank’s fraud helpline before writing. A letter is the written record, not the first step.
How to use the bank fraud complaint letter
- Call 1930 and your bank first, then fill in the form.
- Create the letter, read it and complete anything in [brackets].
- Copy, download or print it. Send it by email to the bank’s grievance address or hand it in at your branch and get a stamped acknowledgement.
- Attach your proof: statement, screenshots and the 1930 or portal acknowledgement.
If the bank does not resolve it
Keep the bank’s reference number and reply. If you get no reply or an unsatisfactory one, you can escalate to the RBI Ombudsman through the RBI complaint portal. Check the portal for the current conditions and time limits.
Bank fraud complaint letter: frequently asked questions
How soon should I write to the bank after a fraud?
As soon as possible. Call the bank and 1930 first, then send the written complaint the same day or the next day, and keep proof of when you sent it.
Who should I address the letter to?
Address it to the branch manager or the bank’s nodal or grievance officer. Many banks also publish a grievance email address on their official website or app.
Can I get my money back from the bank?
Under the RBI’s rules on limiting customer liability in unauthorised electronic banking transactions, your liability can be zero or limited depending on who was at fault and how quickly you reported. Check the current RBI circular and your bank’s policy. Recovery is not guaranteed.
What should I attach to the letter?
Attach your account statement showing the transaction, screenshots of messages or payment screens, the 1930 or cybercrime.gov.in acknowledgement, and any earlier bank reference number.
Does this website store my details?
No. The letter is created in your browser. Nothing you type is sent to our server or saved.
Is this letter legal advice?
No. It is a general template. Yahoo News Today is independent, not affiliated with any bank or government body, and not a law firm. Check the letter before you send it.
Related tools and guides
- Fraud helpline India: which number to call
- Scam message checker
- Bank fraud complaint letter generator
- Evidence checklist and complaint letter
- Cyber fraud first-hour steps
- All official fraud reporting channels
Yahoo News Today is independent and is not affiliated with any government body, bank, payment app or organisation. This tool gives information only, not legal or financial advice.
Last checked: 15 November 2026. Helpline numbers and procedures can change, so confirm on the official site.