1. Contact the bank immediately: contact the customer service department of the bank and explain the situation, indicating that his credit card or bank account has been fraudulently used or overpaid without authorization. Provide all relevant details and the date, time and amount of payment. The bank will record your objection as a complaint and conduct an investigation.
2. provide evidence: the bank may ask you to provide evidence to support your statement, such as shopping receipts, payment notices, withdrawal documents, etc. Make sure you keep all the documents and evidence related to this matter.
3. Contact the police: If this is a fraud case, you should report it and get the receipt or report number of the police. This will help you prove the occurrence of fraud and provide legal support for your case.
4. Monitor your account: Please check your bank account and credit card statement regularly to ensure that there are no other similar unauthorized or fraudulent transactions. Identify and report any suspicious transactions in a timely manner.
5. Follow up the progress: keep in touch with banks and ask them to provide updates on the progress of the investigation. Sometimes, banks may need some time to conduct a thorough investigation, so wait patiently for their reply.
6. Seek legal aid: If the bank does not give a reasonable response or solution to your problem, you may consider seeking legal aid. Consult a professional lawyer to understand your rights and available legal channels.
please remember that the above suggestions are for reference only. Because each case has its own unique circumstances, the feasible methods may vary from case to case. Keep in touch with the bank and follow the steps to ensure that your rights and interests are protected.