|
If you're like most checking account holders, you
see plenty of bank fees on your monthly statement. So you certainly
don't want one showing up that shouldn't.
Of course, you have to know your account inside and
out before you can dispute an entry. Keep your deposit receipts,
from the teller as well as the ATM, write down all transactions
in your check register and review your
monthly statement when it arrives. When you find a mistake,
let your bank know as soon as possible.
When you do find an incorrect bank fee on your statement,
let your bank know immediately. You want to get that money added
back to your balance ASAP.
The form letter below will help you point out the
erroneous fee and get it corrected. The back of your statement should
list the address to which you need to send the letter.
Personalize the letter by entering your specifics
in the areas in red. You can print
out this Web page and make your changes by hand or copy the body
of the letter and paste it into a document where you can make your
changes on your PC.
If you prefer to see a .pdf version of the letter,
click
here.
Date
Name of bank
Street address
City, State, ZIP Code
Re: Incorrect fee charged to account number
Dear Sir or Madam:
I am a customer with bank name.
My account is held in your name and
is number enter number again here.
Upon checking my most recent statement, I discovered
an unexpected fee for why the fee was assessed
debited from my account. After reviewing my records, I am certain
that fee is an error.
Here give the details of the
mistake. For example: On Aug. 10, 2003, my account was assessed
a $25 fee for failure to maintain a minimum balance of $500. However,
my deposit records show that I had placed more than enough in my
account to meet the minimum balance requirement.
Another possible fee error is
a charge for using an ATM that is not in your bank's network. In
this case, tell your bank: On Aug. 10, 2003, I made a withdrawal
of $75 from the ATM machine at 123 Main Street. This is a walk-up
ATM outside your branch at that address. I received a printed receipt
of the withdrawal. Since this is an ATM operated by your bank, my
transaction should be free. However, you incorrectly charged me
$5 for using an out-of-network ATM.
A copy of the statement with the error highlighted
is enclosed for your review. I've also enclosed copies of my deposit
or withdrawal receipts, indicating the amounts and dates
deposited or withdrawn.
As this bank mistake is costing me because money was
incorrectly debited from my account, I would appreciate that you
correct my balance as soon as possible.
Thank you for your prompt attention to my request.
If you have any questions, please don't hesitate to call me at your
daytime telephone number. I'll also check back with you on
the status of this request and the action you have taken to rectify
this bank error.
Sincerely,
Your Signature
Your Typed Name
Your Address
City, State and ZIP Code
Enclosures:
copy of monthly statement
copies of deposit or withdrawal receipts
|
