The Wrong Transaction Complaint Letter is a critical document used when customers need to formally dispute incorrect financial transactions with their banking institutions in Canada. This document type is essential when automatic transactions, transfers, or payments have been processed incorrectly, or when unauthorized transactions appear on an account. The letter serves as the initial formal step in the dispute resolution process, following any informal attempts to resolve the issue. It must comply with Canadian banking regulations and consumer protection laws, including the Bank Act and provincial consumer protection legislation. The document typically includes detailed transaction information, account details, description of the error, and specific requests for correction. It's designed to initiate the bank's formal investigation process and establish a documented record of the complaint, which may be necessary for further escalation to regulatory bodies such as the Financial Consumer Agency of Canada.

1. Recipient Details: Full contact information of the financial institution and specific department/person handling complaints

2. Account Information: Your account details, customer reference numbers, and any relevant identification information

3. Transaction Details: Specific details about the incorrect transaction including date, amount, and type of transaction

4. Error Description: Clear explanation of why the transaction is wrong and how it was discovered

5. Impact Statement: Description of how this error has affected you financially or otherwise

6. Previous Communications: Summary of any previous attempts to resolve this issue

7. Specific Request: Clear statement of what action you want the institution to take

8. Response Timeline: Specification of when you expect a response

9. Contact Information: Your complete contact details for follow-up communication