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The Complaint Letter Against Bank Charges is a formal document used when an account holder disputes charges applied by their bank in Malaysia. This document is essential when regular customer service channels have not resolved the issue satisfactorily. It should be used when unauthorized charges appear, when fees seem to violate banking agreements, or when charges appear excessive or unexplained. The letter must comply with Malaysian banking regulations, particularly the Financial Services Act 2013 and Bank Negara Malaysia guidelines. It serves as an official record of the complaint and may be necessary for further escalation to regulatory authorities if required. The document should include comprehensive details about the disputed charges, account information, previous communication attempts, and clear expectations for resolution, while maintaining professional tone and referencing relevant banking policies or regulations.

1. Sender's Details: Full name, address, contact information, and account number of the complainant

2. Bank's Details: Name and address of the bank branch and department responsible

3. Subject Line: Clear indication that this is a complaint about bank charges

4. Account Information: Relevant account details and type of account involved

5. Description of Disputed Charges: Detailed explanation of the specific charges being disputed, including dates and amounts

6. Basis of Complaint: Clear explanation of why the charges are being disputed, referencing any applicable banking regulations or laws

7. Previous Communication: Summary of any previous attempts to resolve the issue

8. Required Action: Clear statement of the desired resolution or outcome

9. Response Timeline: Request for response within a reasonable timeframe