Subject: Urgent Correspondence — Fraudulent Charges Filed on Client's Account [Oregon Sample Letter] Dear [Client's Name], We hope this letter finds you in good health and high spirits. It has come to our attention that there have been several unauthorized transactions on your account, which strongly indicate fraudulent charges. We are deeply concerned about this matter and stand ready to assist you in every possible way. Upon thorough examination of your account statement, we have identified several transactions that stand out as suspicious and incompatible with your usual spending patterns. The transactions in question occurred on [date(s)] and involved the following transaction details: [transaction details]. These actions were conducted without your knowledge, consent, or approval, and we share your alarm and distress in response to such illicit conduct. Recognizing the urgency and severity of this situation, we promptly took the necessary steps to freeze your account and have initiated an investigation into the matter. We have already contacted our fraud prevention department and provided them with all the relevant information necessary to resolve this issue efficiently and effectively. Rest assured, we are determined to uncover the truth and rectify any damages. We kindly request your cooperation to aid our investigation further. Attached to this letter, you will find a provided template that can be used to report unauthorized activity on your account to the relevant authorities, such as your local law enforcement agency and the Federal Trade Commission (FTC). Filing a formal complaint with these entities is vital to ensure a thorough investigation and the pursuit of justice. To expedite the resolution process, we would also appreciate your assistance in providing any additional information that may be pertinent to this case. Examples of helpful details could include but are not limited to: the timeline during which you were in possession of your card, any suspicious phone calls or emails received recently, or the contact details of any third parties you may have shared your account information with. Please be assured that we are taking this matter incredibly seriously, and we will take immediate action to prevent any further unauthorized access to your account. Additionally, we will refund any fraudulent charges incurred as a result of this illegal activity. In case any financial hardships arise due to the unauthorized transactions, we strongly recommend checking your credit report, notifying the major credit bureaus (Equifax, TransUnion, and Experian), and placing a fraud alert on your credit file. Our dedicated customer service team is available to guide you through the process and provide the necessary resources to help safeguard your financial standing. Once again, we deeply apologize for the distress caused by this incident. We are committed to resolving this matter promptly while keeping you informed throughout the process. Should you have any questions, concerns, or require any assistance, please do not hesitate to contact our customer support team at [customer support email/phone number] at your earliest convenience. Thank you for your patience and understanding regarding this delicate issue. We remain steadfast in our commitment to protect your financial interests. Sincerely, [Your Name] [Your Position] [Company Name] [Company Address] [City, State, ZIP] [Phone Number] [Email Address] [Enclosure: Fraudulent Charges Report Template]
Oregon Sample Letter for Fraudulent Charges against Client's Account
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FAQ
If you report a fraudulent charge within two days, you can't be held responsible for more than $50 in charges. Keep in mind that you have 60 days to dispute the transaction or else you could be stuck paying for it.
What should I do if there are unauthorized charges on my credit card account? Contact your bank right away. To limit your liability, it is important to notify the bank promptly upon discovering any unauthorized charge(s). You may notify the bank in person, by telephone, or in writing.
Transactions not made by you or anyone authorized to use your account are fraudulent, and federal law protects your money. Banks must refund you in certain circumstances, but the longer you wait to notify them, the more likely your bank won't refund stolen money.
If you gave the fraudster your bank account number or routing number, contact your bank or credit union immediately. You may need to close the account and open a new one. Social security number. Go ahead with a fraud alert or credit freeze and report your information stolen at the FTC's identitytheft.gov website.
In short, consumers are rarely liable for credit card fraud. The merchant that processed the transaction or the bank that issued the card is usually liable for the charge.
To write a chargeback rebuttal letter, you need to concisely outline your information, the cardholder's claim, your case and evidence, and your desired outcome. This should be contained in a letter no longer than one or two pages, at most.
Fortunately, most major card networks have a ?zero liability? policy that ensures you will not be held responsible for fraudulent charges. And federal law limits your losses for unauthorized credit card use to $50.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
