How do I dispute an unauthorised CommBank transaction?

Unauthorised transaction disputes with CommBank usually come down to whether the transaction was genuinely unauthorised and whether the bank acted quickly enough once the issue was raised. The ePayments Code is one of the key rules that governs how banks handle card and electronic payment disputes.

Start by gathering the card statement, transaction details, the time and date of the incident, and any report you made to the bank. Ask the bank to explain the basis for its decision and whether it considered the timing, the cardholder’s protections, and the evidence you submitted.

If the bank does not resolve it properly, AFCA can review the complaint. The complaint should focus on the bank’s conduct, the law that applies, and the outcome that should follow.