The Complaint Letter For Fraud Transaction is a crucial document used in the Nigerian financial sector when unauthorized or fraudulent transactions are discovered in a customer's account. This formal communication instrument is designed to comply with Nigerian banking regulations, particularly the Central Bank of Nigeria's Consumer Protection Framework and the Cybercrime Act 2015. The letter serves as the initial step in the fraud resolution process, documenting the incident details, providing evidence, and requesting specific actions from the financial institution. It should be submitted promptly after discovering fraudulent activity and must include sufficient detail to enable the bank's fraud investigation team to conduct a thorough investigation. The document's format and content are influenced by Nigerian banking laws and regulations, requiring specific information such as transaction details, timeline of discovery, and supporting documentation.

1. Sender's Details: Full name, address, account number, and contact information of the complainant

2. Recipient's Details: Name and address of the bank/financial institution, department, and if possible, specific contact person

3. Subject Line: Clear indication that this is a fraud complaint with reference numbers if available

4. Transaction Details: Specific details of the fraudulent transaction(s) including dates, amounts, and transaction reference numbers

5. Discovery and Actions Taken: When and how the fraud was discovered, and immediate actions taken (such as reporting to the bank)

6. Impact Statement: Description of the financial impact and any related consequences

7. Formal Request: Clear statement of what you want the bank to do (investigation, reversal, reimbursement)

8. Legal Position: Reference to relevant laws and regulations that protect your rights

9. Closing Statement: Timeline for expected response and any consequences of non-action