The Unauthorized Transaction On Credit Card Complaint Letter is a crucial document used in the UAE banking system when cardholders need to formally dispute transactions they did not authorize. This document is specifically designed to comply with UAE Federal Law No. 15 of 2020 on Consumer Protection and Central Bank regulations, which provide strict guidelines for handling such disputes. The letter should be used immediately upon discovering unauthorized transactions, typically within the timeframe specified by the card issuer (usually 30-60 days). It must include specific transaction details, circumstances of discovery, and any supporting evidence, while following UAE banking protocols for dispute resolution. This document is particularly important as it initiates the formal dispute process and establishes a paper trail for potential legal proceedings under UAE law.
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1. Sender's Details: Full name, address, contact information, and credit card account number (last 4 digits only)
2. Bank's Details: Name and address of the bank's complaint department or relevant branch
3. Subject Line: Clear indication that this is an unauthorized transaction complaint with reference numbers
4. Transaction Details: Specific details of the unauthorized transaction(s) including date, amount, and merchant information
5. Discovery and Actions Taken: When and how the unauthorized transaction was discovered and immediate actions taken (e.g., card cancellation, bank notification)
6. Formal Dispute Declaration: Clear statement disputing the transaction and affirming non-authorization
7. Request for Resolution: Specific actions requested from the bank (e.g., reversal of charges, investigation)
8. Closing: Professional closing with signature and date
1. Previous Communication Reference: Include when there has been prior communication with the bank about the issue
2. Police Report Reference: Include when a police report has been filed for the unauthorized transaction
3. Card Security Details: Include when there are relevant details about card possession and security measures
4. Urgency Statement: Include when the matter requires immediate attention due to significant amount or circumstances
5. Legal Rights Reference: Include when referring to specific consumer protection rights under UAE law
1. Transaction Statement Copy: Copy of bank statement showing the disputed transaction
2. Identity Verification: Copy of Emirates ID or passport for identity verification
3. Police Report: Copy of police report if filed
4. Previous Correspondence: Copies of any previous communication with the bank regarding the dispute
5. Evidence of Non-Involvement: Any evidence showing the cardholder was not involved in the transaction (e.g., being in a different location)
Relevant legal definitions
Account
Authorization
Bank
Billing Statement
Card
Cardholder
Card Issuer
Disputed Transaction
Electronic Banking Records
Merchant
Notice Period
Payment Network
Point of Sale
Security Code
Transaction Date
Transaction Amount
Unauthorized Transaction
Verification Process
Card Network Provider
Complaint Reference Number
Dispute Resolution Period
Evidence of Transaction
Fraudulent Activity
Identity Verification
Security Breach
Authorization
Bank
Billing Statement
Card
Cardholder
Card Issuer
Disputed Transaction
Electronic Banking Records
Merchant
Notice Period
Payment Network
Point of Sale
Security Code
Transaction Date
Transaction Amount
Unauthorized Transaction
Verification Process
Card Network Provider
Complaint Reference Number
Dispute Resolution Period
Evidence of Transaction
Fraudulent Activity
Identity Verification
Security Breach
Clauses
Identity Verification
Account Details
Transaction Dispute
Discovery and Notification
Cardholder Declaration
Evidence Submission
Remedial Action Request
Legal Rights Reservation
Previous Communication
Security Measures
Verification Requirements
Time Sensitivity
Supporting Documentation
Contact Information
Bank Response Requirements
Account Details
Transaction Dispute
Discovery and Notification
Cardholder Declaration
Evidence Submission
Remedial Action Request
Legal Rights Reservation
Previous Communication
Security Measures
Verification Requirements
Time Sensitivity
Supporting Documentation
Contact Information
Bank Response Requirements
Relevant Industries
Banking & Financial Services
Consumer Services
Retail
E-commerce
Financial Technology
Legal Services
Consumer Protection
Payment Services
Security Services
Relevant Teams
Legal
Compliance
Consumer Protection
Fraud Investigation
Customer Service
Risk Management
Dispute Resolution
Banking Operations
Credit Operations
Security
Relevant Roles
Bank Branch Manager
Compliance Officer
Consumer Protection Officer
Credit Card Dispute Specialist
Customer Service Manager
Fraud Investigation Officer
Legal Counsel
Risk Management Officer
Banking Operations Manager
Consumer Rights Advocate
Financial Services Representative
Dispute Resolution Specialist
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