NAB Outage Left Your Transaction History Wrong? Here Is What You Are Owed.

What the law says

Your core protections come from two places. First, the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) prohibits misleading or deceptive conduct and requires that services are rendered with due care and skill. Banking services are services under that law. Second, the Banking Code of Practice (the industry code AFCA enforces) requires your bank to act fairly, promptly investigate disputes, and correct errors in your account without unreasonable delay. The ePayments Code, administered by ASIC, sets specific obligations on banks for unauthorised or erroneous transactions, including timeframes for investigation and resolution. None of these protections require you to be polite about it. They require the bank to fix it. If NAB stalls, you can escalate to the Australian Financial Complaints Authority (AFCA) for free. AFCA can order a bank to correct your account and award compensation for direct financial loss. Check your own transaction history against your receipts right now, document every discrepancy with screenshots and dates, and lodge a formal dispute in writing, not just a chat message.