Unauthorized Transaction & Fraud Tracker
The first hours after you spot unauthorized activity on a card or account are the ones that matter most — and the ones you're least equipped to remember accurately under stress. Log every fraudulent transaction, every call to the bank, and every reference number in one place, so nothing falls through the cracks while you're trying to get your money back.
Fraud recovery runs on documentation, and most people start documenting too late
Banks and card issuers ask for specifics — which transactions, what dates, who you spoke to, what reference number you were given — and a genuinely unauthorized transaction is usually covered by real consumer protections, but only if you can show you reported it properly and on time. Trying to reconstruct that timeline from memory after the fact is exactly when recoverable losses stop being recoverable.
This tracker gives you a single place to log the fraud itself and every step you take afterward, so the paper trail your bank or card issuer needs already exists when they ask for it.
- Fraud Log — every unauthorized transaction, with date, amount, and merchant/payee detail
- Bank Communication Log — every call and message, who you spoke to, and what was said
- Key Contacts — your bank's fraud line, dispute reference numbers, and case handler details in one place
- Rights Reference by Country — a plain summary of what protection typically applies (US, UK, EU, Australia) so you know what to ask for
Step by step
- Download the Excel tracker as soon as you spot the unauthorized activity.
- Log each fraudulent transaction in the Fraud Log — date, amount, and any detail you have.
- Record every call or message to your bank in the Communication Log, including who you spoke to and any reference number given.
- Keep the Key Contacts sheet updated so you're never searching for a number or case ID mid-call.
- Check the Rights Reference by Country sheet so you know what protection to actually cite.
Anyone who's spotted a fraudulent card or account transaction
Whether it's a single unexplained charge or a pattern of activity you never authorized, this keeps the record your bank needs — and the one you'd need if the case escalates — in one place from the start.
- Editable Excel spreadsheet
- Fraud Log, Bank Communication Log
- Key Contacts sheet
- Rights Reference by Country
- Works on any device
Don't rebuild the timeline from memory when you're already stressed.
Log the fraud and every step you take to recover it, from the first call onward.
Get it — $5.90 →One-time $5.90 · Excel · Works on any device