Generate a calm, structured complaint letter for fraud/scam disputes, chargebacks, unfair fees,
account restrictions/closure, credit file issues, and poor service. One-off £3. No account required.
Most “templates” read like templates. ClearComplaint generates a letter from your exact timeline,
references and evidence — which usually makes the first response faster, and escalation clearer if needed.
Start with a written complaint to the bank and keep a record. If it is not resolved, you may be able to escalate to the Financial Ombudsman Service (FOS).
1) Make a formal written complaint
Include a timeline, evidence, and the specific remedy you want.
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2) Ask for the bank’s final response
If discussions stall, request a clear written final position and keep the complaint reference number.
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3) Escalate to FOS if eligible
FOS is an independent route for eligible UK consumer complaints. Eligibility depends on the product and circumstances.
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Guidance only — not legal or financial advice. Always use the bank’s official complaint channel for time-sensitive issues.
FOS, chargeback, and complaint routes (how they differ)
Banking disputes often have more than one route. A good complaint letter clarifies the facts so the right team (and any escalation body) can assess it quickly.
Bank complaint (starting point)
Your formal request for investigation and remedy: refund, reversal, correction, compensation, or explanation.
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Chargeback / card dispute (where applicable)
A card-payment dispute mechanism that may apply to certain purchases. Keep merchant contact evidence and timelines.
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Financial Ombudsman Service (FOS) (if eligible)
Independent review route for eligible UK consumer complaints where the bank’s final position is disputed or the issue remains unresolved.
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FCA sets standards for regulated firms; complaint outcomes depend on evidence and the product type. Keep wording factual and specific.
Banking & finance FAQ
What should I include in a bank complaint letter?
Include account/product details, key dates, transaction references (if relevant), what you have already done, and the specific outcome you want. Attach only evidence that supports your main points.
When can I escalate to the Financial Ombudsman Service (FOS)?
You can usually escalate after the bank provides its final response, or if the complaint remains unresolved after the typical UK complaints handling period (often described as up to 8 weeks). Eligibility depends on the product and circumstances.
Is a chargeback the same as a complaint?
No. A chargeback is a card-payment dispute route that may be available for certain purchases, while a complaint is your formal request for the bank to investigate and put things right. You can often pursue both where appropriate.
Can I complain about fraud or scam handling?
Yes. Provide the timeline, payment method, transaction references, how the payment was authorised, and why you believe the outcome is wrong. Keep the complaint tightly factual.
What if my account was closed or restricted without warning?
Explain what happened, the impact, and what you are requesting (for example: access restored, funds released, fees reversed, or clear written reasons where possible). Provide dates and reference numbers.