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This form serves as a declaration to report unauthorized, improper, or revoked ACH debit activity on a bank account. It requires the account holder to provide details about the unauthorized debits
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How to fill out written statement of unauthorized

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How to fill out Written Statement of Unauthorized Debit

01
Begin by downloading the Written Statement of Unauthorized Debit form from your bank's website or request a physical copy from your bank.
02
Fill in your personal information including your name, address, and account number at the top of the form.
03
Provide details about the unauthorized debit transaction, including the date, amount, and description.
04
Clearly state that the transaction was not authorized by you.
05
Sign and date the form to certify that the information provided is accurate and complete.
06
Submit the completed form to your bank, either in person, via mail, or electronically, as per your bank’s submission guidelines.

Who needs Written Statement of Unauthorized Debit?

01
Any bank customer who notices an unauthorized debit from their account.
02
Individuals who wish to dispute a transaction they did not approve.
03
Customers who are seeking a refund for a fraudulent or mistaken charge on their account.
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People Also Ask about

A written statement of unauthorized debit (WSUD) is a form that must be filled out by bank customers who find bogus or incorrect debits in their accounts.
4 Form of Written Statement of Unauthorized Debit states “The Written Statement of Unauthorized Debit must be signed or similarly authenticated by the Receiver.” This is where the confusion begins. Signed means pen to paper.
A written statement of unauthorized debit (WSUD) is a form that must be filled out by bank customers who find bogus or incorrect debits in their accounts.
When a consumer account holder notifies an RDFI of an unauthorized debit, the RDFI must obtain a signed Written Statement of Unauthorized Debit (WSUD) to return the debit.
Written Statement of Unauthorized Debit Copy (WSUD) – Used by the originating depository financial institution (ODFI) to request the written statement of unauthorized debit from the receiving depository financial institution (RDFI). If you need to send a WSUD, submit an exception request to the Federal Reserve Banks.
Prepare for the upcoming Nacha Rule Change: Effective April 1, receiving depository financial institutions (RDFIs) must respond to an originating depository financial institution (ODFI)'s Request for Return within 10 banking days.
Written Statement of Unauthorized Debit Copy (WSUD) – Used by the originating depository financial institution (ODFI) to request the written statement of unauthorized debit from the receiving depository financial institution (RDFI). If you need to send a WSUD, submit an exception request to the Federal Reserve Banks.

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A Written Statement of Unauthorized Debit is a formal document provided by a consumer to their financial institution to dispute a debit transaction that they did not authorize.
Any consumer who identifies an unauthorized debit from their account is required to file a Written Statement of Unauthorized Debit to alert their financial institution.
To fill out a Written Statement of Unauthorized Debit, consumers should provide their account details, the date of the unauthorized transaction, the amount, and a description of the transaction, along with their signature.
The purpose of a Written Statement of Unauthorized Debit is to formally dispute an unauthorized transaction and initiate an investigation by the financial institution to resolve the issue.
The information that must be reported includes the consumer's name, account number, details of the unauthorized debit transaction (date, amount, description), and the consumer’s signature.
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