Report Unauthorised Card Transaction (To Bank)

Subject: Urgent: Unauthorised card transaction – £[Amount] – [Merchant name]

To: [Bank name] – Fraud/Disputes Team
Secure Message/Post: [Where you are sending this]
Date: [DD Month YYYY]

Dear [Bank name] Fraud/Disputes Team,

I am reporting a card transaction on my account that I do not recognise and did not authorise.

Merchant name: [Merchant name]
Transaction date/time: [DD Month YYYY, time]
Amount: £[Amount]
Card type: [Visa/Mastercard/Amex]
Last 4 digits of card: [1234]
Transaction reference (if shown): [Reference]

I confirm that I did not make or approve this payment. Please advise the immediate next steps and:

• secure my account and cancel/replace my card if necessary
• confirm whether any other suspicious activity is present
• start the dispute/chargeback process and confirm the reference number

I can provide any additional information you need to support this report (for example, confirmation of my recent legitimate transactions).

Yours faithfully,
[Your full name]
[Your phone number]
[Your email address]