Bank Fee Dispute Letter Template (Canada)
Unexpected or unfair bank fees can add up quickly. Overdraft fees, non-sufficient funds (NSF) charges, annual fees, or other service charges may be refundable if they were charged in error or not clearly disclosed.
Use this guide and template to write a clear bank fee dispute letter. For a structured, personalized version, try the AI Dispute Letter Generator.
When to Send a Bank Fee Dispute Letter
- A fee was charged that you did not authorize or expect
- You were charged multiple fees for the same issue
- You did not receive proper notice of a fee change
- You were charged a fee during a bank system outage or error
- A fee contradicts what you were told when you opened the account
What to Include in a Bank Fee Dispute Letter
- Your full name and mailing address
- Your account number and type (chequing, savings, credit card)
- The date and description of the fee as shown on your statement
- Why you believe the fee should be reversed or reduced
- The outcome you are requesting
Bank Fee Dispute Letter Example
[Your Name] [Your Address] [City, Province, Postal Code] [Email Address] [Phone Number] [Date] [Bank Name] [Complaints or Customer Care Department] [Bank Address] Re: Dispute of Bank Fee on Account [Account Number] Dear [Bank Name] Complaints Department, I am writing to dispute a fee of $[amount] charged to my [chequing/savings/credit card] account on [date], described on my statement as "[fee description]." On [date you opened the account or last discussed fees], I understood that [briefly explain what you were told or expected regarding fees]. Based on that understanding, I do not believe this fee should have been applied, for the following reasons: - [Reason 1 – e.g., the transaction was authorized and funds were available at the time] - [Reason 2 – e.g., I did not receive notice of any change to your fee structure] I am requesting that the $[amount] fee be reversed and that my account balance be adjusted accordingly. Please confirm in writing once this correction has been made. I have attached a copy of my statement highlighting the fee for your reference. Thank you for your attention to this matter. Sincerely, [Your Name]
Tips for Handling Bank Fee Disputes
- Act quickly after you notice the fee
- Be factual and respectful in your communication
- Keep copies of statements and correspondence
- Escalate within the bank if the first response is not satisfactory
For a tailored letter that fits your situation, you can start with the AI Dispute Letter Generator.