Cyber Fraud Complaint Letter Format (PDF & Word Drafts)

Last reviewed: October 4, 2026 Reviewed by: CyberShield India Editorial Team

When you are a victim of cyber fraud, oral communication with your bank's customer care is often not enough. To initiate a formal investigation, chargeback, or lien (freeze) on the destination account, you must submit a formally drafted written complaint to your Bank Branch Manager and the local Police Station / Cyber Cell.

What Should Be in Your Complaint Letter?

A legally sound complaint letter must remove all emotional language and stick purely to the facts. It must include:

1. Your Details: Name, Account Number, Registered Mobile Number.
2. Date & Time of Fraud: Exactly when the unauthorized transactions occurred.
3. Transaction Details: The exact UTR (Unique Transaction Reference) numbers and the amount lost.
4. Modus Operandi: A brief 2-line explanation of how the fraud happened (e.g., "I clicked a fake link", "I received a call from an impersonator").
5. Clear Request: A direct request to "raise a chargeback", "freeze the beneficiary account", or "register an FIR".

📝 Instantly Generate Your Complaint Draft

Instead of typing out the format manually and risking missing crucial UTR numbers, you can use our free utility. It automatically extracts details from your screenshot and generates a perfectly formatted PDF.

Create a structured cyber-fraud complaint draft from your information (Free Tool)

Manual Complaint Letter Format (Template)

If you prefer to write it manually, you can copy-paste the template below:

To, The Branch Manager / The Station House Officer [Name of Bank / Name of Police Station] [Branch Address / Police Station Address]

Date: DD/MM/YYYY

Subject: Complaint regarding unauthorized fraudulent transaction of Rs. [Total Amount] from my account.

Respected Sir/Madam,

I, [Your Name], holding a savings/current account in your branch with Account Number: [Your Account Number], wish to bring to your urgent notice that a cyber fraud has been committed against me.

On [Date of Fraud], the following unauthorized transactions were executed from my account:

• Transaction 1: Rs. [Amount], UTR No: [UTR Number], Time: [Time]
• Transaction 2: Rs. [Amount], UTR No: [UTR Number], Time: [Time]

(Briefly explain the incident in 1-2 lines. Example: I received a call from someone claiming to be from FedEx customer support and was tricked into clicking a malicious link.)

I have not authorized these transactions. I request you to urgently track the destination bank accounts associated with the above UTR numbers and place a lien (freeze) on those accounts to prevent the withdrawal of my stolen funds.

I have also attached the bank statement and screenshots of the transaction for your reference.

Please acknowledge the receipt of this complaint and provide me with a reference number for future tracking.

Thank you.

Yours faithfully,

[Signature] Name: [Your Name] Mobile Number: [Your Mobile Number] Email ID: [Your Email Address]

---

Disclaimer: This is a standard template for educational purposes. Always adapt the content to match the exact facts of your case.