Your bank deducted a $50 fee from your account in error. You have called and emailed but received no reply.

Question:
Your bank deducted a $50 fee from your account in error. You have called and emailed but received no reply. Write a letter to the bank manager. In your letter:

• Explain the incorrect charge
• Describe your attempts to resolve this
• State what action you want the bank to take

Model Answer (Formal – 195 words):

Dear Sir or Madam,

I am writing to dispute an unauthorised fee of $50 that was debited from my savings account (account number 4421-8872) on 15th June. This charge is listed as “monthly maintenance fee” on my statement.

To clarify, my account type is the “Student Saver” plan, which explicitly carries no monthly fees according to your published terms and conditions. I have checked my previous twelve statements, and no such fee has ever been applied before. Therefore, I believe this to be a clear clerical error.

Regarding my attempts to resolve this, I telephoned your customer service helpline on 16th, 18th and 20th June. Each time, I was transferred between three different departments and eventually disconnected after holding for over twenty minutes. I also sent two detailed emails on 17th June to the address listed on your website, but neither has received any acknowledgement whatsoever.

Consequently, I request an immediate reversal of the $50 charge and a written explanation of how this error occurred. Furthermore, I expect confirmation that my account will be correctly classified going forward. Should I not receive a response within ten working days, I will lodge a formal complaint with the financial regulatory authority.

Yours faithfully,

Priya Kaur