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Federal · Canada-wide / Money, savings & borrowing

Report an unauthorized bank transaction

Prepared by · Sources checked

What should I do about an unauthorized bank or credit-card transaction?

Report a transaction you did not authorize to your bank or card issuer immediately using its verified contact channel. Keep the reporting reference and follow its account-security and investigation instructions.

Where to begin

  1. Contact the bank or card issuer promptly through its official website, app or card contact details.
  2. Explain which transaction you did not authorize and secure compromised credentials.
  3. Keep the report reference and correspondence while the institution investigates.
  4. Use its complaint process if the issue remains unresolved.

Before you open the official service

  • Transaction date, amount and merchant information, kept privately.
  • Statements and reporting references for the institution.

Keep your actual documents and account details off this website. Use the official service’s current checklist before applying.

What to check for your situation

Debit and credit protections differ. Reimbursement depends on the rules and facts; a disputed authorized purchase is not automatically fraud. Do not share credentials or statements in this chat.

Fees, processing times and document rules can change. This page helps you navigate; it does not confirm eligibility or replace the government’s instructions.

Official sources

Prepared by Active K Digital from the linked public guidance. Read our source approach.