{"schema_version":1,"workflow_version":1,"slug":"bank-fraud-unauthorized-transfer-dispute","name":"Bank Fraud Claim & Unauthorized Transfer Dispute Packet","description":"Create a signed written bank-dispute packet for an unauthorized or incorrect electronic transfer, attach supporting records, review the complete PDF, and send it by Certified Mail.","agent_summary":"Prepare an account-holder-authored Regulation E electronic-transfer error packet using deterministic customer facts, a confirmed bank error-resolution address, a typed or drawn signature, optional PDF/image evidence, and required Certified Mail. Require prior immediate bank notification, a personal consumer deposit or prepaid account, a supported electronic-transfer rail, and no active litigation or representation. Exclude credit cards, paper checks, wires, cryptocurrency, business accounts, customer-initiated scam payments, physical enclosures, and unsupported claims. Do not infer that a transfer was unauthorized, calculate or certify a deadline, promise provisional credit or recovery, or treat tracking as proof of legal sufficiency.","form_summary":"Use this workflow after promptly reporting a disputed electronic transfer to your bank. It supports an initial written error notice, a bank-requested written confirmation, or a denied-claim investigation-records request for a personal deposit or prepaid account.","data_collected":["Account-holder identity, return address, contact details, and account last four digits","Bank or credit-union name, error-resolution department, confirmed dispute address, and optional claim number","Claim stage, electronic-transfer rail, error type, disputed transactions, statement date, prior report, chronology, and requested action","Bank written-confirmation date or denial and investigation-record details when applicable","Optional statement pages, bank correspondence, transaction screenshots, and other supporting PDF/image copies","Typed or drawn signature and factual, immediate-notice, address, and product-limit confirmations"],"topics":["bank accounts","electronic fund transfers","debit cards","ATM withdrawals","ACH","Regulation E","consumer finance","certified mail"],"category":"consumer_eft_error_resolution","publish_state":"published","aliases":["regulation-e-bank-dispute","unauthorized-transfer-dispute-letter","bank-fraud-claim-packet"],"llms":true,"indexable":true,"certified_mail":"required","recipient":{"mode":"user"},"compliance_policy":{"id":"consumer_eft_error_resolution","version":1,"recheckStages":["preview","approval","checkout","payment","fulfillment","machine"]},"checkout_flow":"forms_order","published_at":"2026-08-01","updated_at":"2026-08-01","groups":[{"id":"scope","label":"Supported consumer-account scope","description":"Confirm the transfer and account fit this narrow workflow. Report suspicious transfers to the bank immediately; do not wait for a letter.","depends_on":[]},{"id":"claim","label":"Claim stage and transfer type","description":"Choose the current stage and describe why the electronic transfer is an error.","depends_on":[]},{"id":"consumer","label":"Account holder","description":"Enter only the identifying information the bank needs. Never enter a PIN, password, CVV, or full debit-card number.","depends_on":[]},{"id":"bank","label":"Bank and error-resolution address","description":"Use the current address the bank provides for electronic-transfer errors, written confirmations, or investigation correspondence.","depends_on":[]},{"id":"transactions","label":"Transactions and chronology","description":"List every disputed electronic transfer with its date, amount, statement descriptor, and factual reason.","depends_on":[]},{"id":"response","label":"Bank response and requested action","description":"Record the earlier report, bank response, requested correction, and investigation records when applicable.","depends_on":[]},{"id":"evidence","label":"Supporting records","description":"Upload relevant copies only. Keep originals and redact unrelated sensitive information.","depends_on":[]},{"id":"review","label":"Sign and review","description":"Sign the packet and confirm the facts, immediate bank report, destination, and product limits before preview.","depends_on":[]}],"fields":[{"id":"relationship_to_account","label":"Your relationship to the account","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Account holder or joint account holder","Authorized representative","Estate, successor, or other relationship","Another relationship or unsure"],"compound":null},{"id":"account_use","label":"How is the account used?","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Personal consumer account","Business or commercial account","Another use or unsure"],"compound":null},{"id":"transaction_scope","label":"What kind of transaction is this?","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Electronic fund transfer from a deposit or prepaid account","Credit-card charge","Paper check","Wire transfer","Cryptocurrency transfer","Another transaction or unsure"],"compound":null},{"id":"already_reported_to_bank","label":"Have you already reported the transfer to the bank?","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Yes — I already reported it through an immediate channel","No — I have not reported it yet","Unsure"],"compound":null},{"id":"active_legal_matter","label":"Is there an active lawsuit, arbitration, court deadline, or attorney representation?","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["No","Yes","Unsure"],"compound":null},{"id":"physical_enclosure","label":"Will this packet include cash, a check, money order, debit card, original document, or another physical item?","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["No","Yes"],"compound":null},{"id":"claim_stage","label":"Current claim stage","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"claim","choice_group":null,"choice_label":null,"depends_on":[],"options":["Initial written error notice after reporting the transfer","Written confirmation requested by the bank","Claim denied or provisional credit reversed — request investigation records"],"compound":null},{"id":"error_type","label":"Electronic-transfer error type","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"claim","choice_group":null,"choice_label":null,"depends_on":[],"options":["Unauthorized electronic transfer","Incorrect transfer amount","Duplicate electronic transfer","Incorrect ATM cash amount","Unidentified electronic transfer or request for clarification"],"compound":null},{"id":"transfer_rail","label":"Transfer rail","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"claim","choice_group":null,"choice_label":null,"depends_on":[],"options":["Debit card purchase","ATM withdrawal","ACH debit","Online bank transfer","Fraudster-initiated P2P transfer","Another electronic fund transfer"],"compound":null},{"id":"authorization_scope","label":"Who initiated or authorized the transfer?","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"claim","choice_group":null,"choice_label":null,"depends_on":[],"options":["I did not initiate or authorize the disputed transfer","I authorized a transfer, but its amount was wrong or it was duplicated","I knowingly sent or approved the transfer","Unsure"],"compound":null},{"id":"consumer_received_benefit","label":"Did you receive any benefit from the disputed transfer?","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"claim","choice_group":null,"choice_label":null,"depends_on":[],"options":["No","Yes","Unsure"],"compound":null},{"id":"letter_date","label":"Letter date","type":"date","required":true,"meta_class":null,"ui_width":"half","group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"sender_name","label":"Account holder full name","type":"text","required":true,"meta_class":"name","ui_width":"half","group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"sender_address","label":"Account holder return mailing address","type":"address","required":true,"meta_class":null,"ui_width":null,"group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"account_last_4","label":"Account last 4 digits","type":"text","required":true,"meta_class":"ssn_last4","ui_width":"half","group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"validation":{"minLength":4,"maxLength":4,"pattern":"^\\d{4}$"},"compound":null},{"id":"phone","label":"Phone number (optional)","type":"text","required":false,"meta_class":"phone","ui_width":"half","group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"email","label":"Email address (optional)","type":"text","required":false,"meta_class":"email","ui_width":null,"group_id":"consumer","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"recipient_name","label":"Bank or credit union and error-resolution department","type":"text","required":true,"meta_class":null,"ui_width":null,"group_id":"bank","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"recipient_address","label":"Bank error-resolution or investigation address","type":"address","required":true,"meta_class":null,"ui_width":null,"group_id":"bank","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"dispute_address_source","label":"Where did you verify this address?","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"bank","choice_group":null,"choice_label":null,"depends_on":[],"options":["Bank written-confirmation or denial notice","Current account statement","Current account agreement or error-resolution notice","Current bank website or written instructions"],"compound":null},{"id":"dispute_address_confirmed","label":"I confirmed this is the bank’s current address for electronic-transfer errors, written confirmations, or investigation correspondence.","type":"checkbox","required":true,"meta_class":null,"ui_width":null,"group_id":"bank","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"statement_date","label":"Date the bank sent the first statement showing the disputed transfer","type":"date","required":true,"meta_class":null,"ui_width":"half","group_id":"transactions","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"disputed_transactions","label":"Disputed electronic transfers","type":"textarea","required":true,"meta_class":null,"ui_width":null,"group_id":"transactions","choice_group":null,"choice_label":null,"depends_on":[],"validation":{"minLength":20,"maxLength":6000},"compound":null},{"id":"total_disputed_amount","label":"Total amount disputed","type":"text","required":true,"meta_class":"currency","ui_width":"half","group_id":"transactions","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"why_error","label":"Why do you believe an error occurred?","type":"textarea","required":true,"meta_class":null,"ui_width":null,"group_id":"transactions","choice_group":null,"choice_label":null,"depends_on":[],"validation":{"minLength":20,"maxLength":5000},"compound":null},{"id":"chronology","label":"Chronology of the transfer and your response","type":"textarea","required":true,"meta_class":null,"ui_width":null,"group_id":"transactions","choice_group":null,"choice_label":null,"depends_on":[],"validation":{"minLength":20,"maxLength":5000},"compound":null},{"id":"bank_contact_date","label":"Date you first reported the transfer to the bank","type":"date","required":true,"meta_class":null,"ui_width":"half","group_id":"response","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"bank_contact_channel","label":"How did you first report it?","type":"select","required":true,"meta_class":null,"ui_width":"half","group_id":"response","choice_group":null,"choice_label":null,"depends_on":[],"options":["Phone","Bank mobile app","Bank website","In person","Another immediate bank channel"],"compound":null},{"id":"include_bank_claim_number","label":"Include a bank claim or case reference","type":"checkbox","required":false,"meta_class":null,"ui_width":null,"group_id":"response","choice_group":null,"choice_label":null,"depends_on":[],"compound":null},{"id":"bank_claim_number","label":"Bank claim or case reference","type":"text","required":true,"meta_class":null,"ui_width":null,"group_id":"response","choice_group":null,"choice_label":null,"visibility":{"fieldId":"include_bank_claim_number","operator":"truthy"},"depends_on":["include_bank_claim_number"],"validation":{"maxLength":80},"compound":null},{"id":"written_confirmation_due_date","label":"Date the bank gave for written 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records","required":false,"instructions":"Upload relevant copies such as the statement page showing the transfer, bank claim confirmation, denial or provisional-credit reversal notice, transaction screenshots, correspondence, or an existing identity-theft or police report. Keep originals. Redact unrelated information and never upload a PIN, password, CVV, or full debit-card number.","allowed_types":["pdf","png","jpg","jpeg"],"max_files":20,"max_size_mb":12}],"attachments_max_total_size_mb":12,"machine_submission":{"payload_property":"form","create_paths":{"x402":"/api/machine/orders","mpp":"/api/machine/mpp/orders"}},"help":{"docs":"https://postalform.com/agents","developer_docs":"https://postalform.com/developers","openapi":"https://postalform.com/openapi.json","mcp_server":"https://postalform.com/mcp","infra_console":"https://projects.postalform.com","support_email":"support@postalform.com"}}