Sample letter to bank requesting rectification of a wrong debit of charges

Occasional errors creep in bank accounts also. Sometimes we may be victims. What to do when you find some wrong recovery of charges in your bank account? How and what to write to the bank? This article gives you a sample of a letter to be written the bank in such situations.

Bank accounts and bank charges

In the course of transactions bank recover from their clients various charges prescribed to relevant transactions. These get reflected in ones account statements or pass books. It is always better to verify the statement or passbook entries before and after each transaction and also periodically to be update and correct.

Inadvertent wrong debits and wrong credits in your bank account

To err is human. In banks also occasional errors happen. Mistakes happen due to human error and mechanical error. Mostly they happen inadvertently and soon gets located and rectified by the inbuilt check systems. Sometimes glaring mistakes are immediately noticed by account holders and brought to the notice of bank. But when the amount involved is relatively less and the account holder also does not verify his statements regularly such errors go unnoticed and may take some time to be found and rectified.

How to bring a wrong debit in your account to the notice of bank

If you find that an amount is debited to your account and you are sure it has no relevance to your account, you must bring it to the attention of the bank at the earliest. If you have the time and convenience, you may personally go to the bank and tell the concerned section staff. However when the bank is such crowded, or there is a time gap occured and the bank has to peruse its previous records, you may have to give a letter to the bank so that they can entrust the work to someone and do the needful.

Here is a sample of such a letter to the bank.

Sample letter to bank requesting rectification of a wrong debit of charges

(Name and address of the sender)
(contact phone no.& email id)

The Branch Manager
(Name and address of the bank ( branch)

Dear Sir,

Subject: Current Bank a/c no: 123456789: Request for rectification of a wrong debit.

While verifying the monthly statement of my above account for month of November 2016, I find a debit of Rupees 2500/-.

I give below the details on the debit:

Date of debit: 23 rd Nov 2016
Amount: Rs2500/-
Narration made: To charges 2412..

I have not made any transactions where in such charges is due. There were no such charges ever in my account. Hence I presume that it is an inadvertent error from your side. I request you to kindly verify and rectify the error by re-crediting the amount to the account.

I hope you will arrange to do the needful at the earliest.

Thanking you,
Yours faithfully

More tips

When the sender is using the letterhead, the sender's address, phone no, e mail id etc need not be repeated if same are available on the letterhead.
It is preferable to attach a photocopy of the account statement or relevant portion in the statement to enable speedy reference and verification.

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