Response steps
- Call the bank using a verified number. Describe what happened and whether you authorized the payment.
- Provide the transaction reference, date, amount and recipient. Ask how to submit supporting evidence securely.
- Record the case number, deadlines and next steps.
Records to keep
- Statements, payment confirmations and relevant messages
External resources
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Informational Notice
JDL provides general educational information about fraud reporting, payment disputes and consumer response options. The information on this website is not a guarantee of recovery or a particular outcome. Government agencies, banks, card issuers and payment providers make their own decisions regarding investigations, disputes and recovery requests.
Nothing on this website creates an attorney-client relationship unless an engagement has been expressly agreed to in writing.