Description	The Written Statement of Unauthorized Debit is required to support ACH claims. It is included with the ACH confirmation letter as an attachment/enclosure, but can also be sent manually from the Communication Hub. When it is sent manually, it will include a cover letter.  The statement section of the form will be pre-selected, based on the answers provided during intake.
Applies To	ACH
Relates To
Preview

Cover Letter Content

<Manual Header>

We are in the process of investigating the claim referenced above.

Additional information is required in order for us to complete our investigation. Please complete, sign, and return the attached Written Statement of Unauthorized Debit form and return to the address below within 10 business days.

<Return Address>

<Footers>

Cover Letter Sample

Steve Rogers
123 Mockingbird Way
Sacramento, CA 94203

Date: 07/03/2024
RE: Case 2407030001C for account ending in 1234

Dear Steve,

We are in the process of investigating the claim referenced above.

Additional information is required in order for us to complete our investigation. Please complete, sign, and return the attached Written Statement of Unauthorized Debit form and return to the address below within 10 business days.

Quavo Financial Services
Attention: ACH Operations
P.O. Box 12345
East Lansing, MI 48820-1234

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us.  If we can be of further assistance, please contact Card Operations at (800) 555-0199.  

Sincerely,

Card Operations

© 2019 Quavo, Inc. All rights reserved. Quavo and the Quavo logo are service marks of Quavo, Inc.

Statement Content

WRITTEN STATEMENT OF UNAUTHORIZED DEBIT (ACH)

I. Account Information

II. Transaction Information

III. Statement

I (the undersigned) hereby attest that (i) I have reviewed the circumstances of the above electronic (ACH) debit(s) to my account, (ii) the debit(s) were not
authorized, and (iii) the following, to the best of my ability to identify, is the reason for that conclusion:

• • I did not authorize the Originating Company listed above to debit my account.
  • I revoked the recurring payment authorization I had given the Originating Company to debit my account before the debit was initiated.
  • My account was debited before the date I authorized.
  • My account was debited for an amount different from what I authorized.
  • My account was debited by a third party, but the third party failed to make the payment as instructed.
  • I was charged/credited more than once.
  • A debit/credit to my account that was previously returned was improperly reinitiated
  • My check was improperly processed electronically. 

IV. Signature

I am an authorized signer, or otherwise have the authority to act, on the account identified in this statement. I attest that the debit above was not originated
with fraudulent intent by me or any person acting with me. I have read this statement in its entirety and attest that the information provided on this
statement is true and correct and that the signature below is my own and proper signature.

___________________________________________________________________                           ___________________________________________________________ 

Account Owner / Joint Signature                                                                            Date

Any intentional attempt to obtain money from a financial institution by misrepresenting whether a transaction was authorized may result in the imposition of fines up to
$1,000,000, or imprisonment up to 30 years, or both under the provisions of Federal law (18 U.S.C. § 1344)

Please sign and return within 10 business days to your nearest <ClientName> branch or mail to: <ACHOpsAddress>. If not returned, your request may not be honored.

Statement Sample

WRITTEN STATEMENT OF UNAUTHORIZED DEBIT (ACH)

I. Account Information

II. Transaction Information

III. Statement

I (the undersigned) hereby attest that (i) I have reviewed the circumstances of the above electronic (ACH) debit(s) to my account, (ii) the debit(s) were not
authorized, and (iii) the following, to the best of my ability to identify, is the reason for that conclusion:

• • I did not authorize the Originating Company listed above to debit my account.
  • I revoked the recurring payment authorization I had given the Originating Company to debit my account before the debit was initiated.
  • My account was debited before the date I authorized.
  • My account was debited for an amount different from what I authorized.
  • My account was debited by a third party, but the third party failed to make the payment as instructed.
  • I was charged/credited more than once.
  • A debit/credit to my account that was previously returned was improperly reinitiated
  • My check was improperly processed electronically. 

IV. Signature

I am an authorized signer, or otherwise have the authority to act, on the account identified in this statement. I attest that the debit above was not originated
with fraudulent intent by me or any person acting with me. I have read this statement in its entirety and attest that the information provided on this
statement is true and correct and that the signature below is my own and proper signature.

___________________________________________________________________                           ___________________________________________________________ 

Account Owner / Joint Signature                                                                            Date

Any intentional attempt to obtain money from a financial institution by misrepresenting whether a transaction was authorized may result in the imposition of fines up to
$1,000,000, or imprisonment up to 30 years, or both under the provisions of Federal law (18 U.S.C. § 1344)

Please sign and return within 10 business days to your nearest Quavo branch or mail to: Quavo Financial Services, Attention: ACH Operations, P.O. Box 12345, 
East Lansing, MI 48820-1234. If not returned, your request may not be honored.