Cash advance / ATM dispute
"This ATM or cash advance transaction was not authorized by me, or the amount dispensed did not match the amount charged."
What's happening here
This dispute scenario involves a charge that does not match what you authorized or expected. Your bank can investigate and potentially reverse the charge.
Evidence to gather before disputing
Banks require documentation before they'll investigate. Collect these before you file:
- 01ATM receipt (if issued)
- 02Statement showing the disputed transaction
- 03Date, time, and location of the transaction
- 04Record of when card was last in your possession
Dispute reason codes
These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.
Time sensitivity
This scenario has the highest time urgency. Unauthorized charges should be reported within days — not weeks. The sooner you file, the better your protections under Regulation E (debit) or Regulation Z (credit).
Ready to dispute?
Generate a letter for this exact scenario, pre-filled with bank-specific details.