Act promptly, keep records, and request the bank’s process and reasoning in writing.
Make the first report promptly
Contact your bank immediately. State which transactions you are reporting, the amounts and dates, and why you believe they involve a scam or unauthorized transfer.
Ask how to submit supporting documents and whether a written follow-up is required. Deadlines and investigation rules vary by circumstances; ask which rules apply to your claim and consult the official Regulation E resources.
Prepare your evidence packet
- A chronological explanation in your own words.
- Transaction records and recipient information.
- Messages, emails, listings, and call details.
- An accurate explanation of who initiated the transfer.
- Bank reference numbers and copies of your correspondence.
If the claim is denied
Request the explanation in writing and ask how to seek further review. Identify specific factual errors or missing evidence rather than using a generic legal script.
A CFPB complaint can raise a problem with a financial company. It is not a guaranteed refund or a substitute for a timely bank dispute. Consider qualified legal help if your situation requires individual advice.
Sources & further reading
Provider rules can change. Check current terms and contact your bank for your circumstances.