Chequing Accounts - Fraudulent transaction(s) on account

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If you notice a fraudulent transaction on your account, you should contact them as soon as possible to report it. Be aware that some banks may have different rules around what counts as a fraudulent transaction. Double-check the terms of your agreement to make sure! The rules say that banks should always investigate fraudulent transactions fully.

Some banks may require that you contact them within a certain timeframe to get the full amount back, so get in touch as soon as possible. Most of the time you won't be responsible for fraudulent transactions.

For unauthorized credit card transactions, the law says you can only be liable for fraudulent transactions under $50. This should all be set out in your credit card agreement.

You should know

Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:

https://www.canada.ca/en/financial-consumer-agency/services/complaints/file-complaint-financial-institution.html

If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.

We have 1,344 pages of rights advice for you covering 287 companies and organisations across 6 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.

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Helping you with Fraudulent transaction(s) on account

Resolver covers the issue Fraudulent Transaction(S) On Account for 33 companies and organisations: