As of 13 August 2026, AI can complain about a bank transfer scam.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, no skill needed, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Contact your bank immediately through its official fraud or customer-service channel, explain that you are reporting a bank transfer scam, and ask how to register a formal complaint.
   2. Open your bank statement, payment confirmation, messages, emails and any previous bank correspondence, then gather the transaction references, dates, amounts and names shown in those records.
   3. Create a short chronology of what happened and redact passwords, card security codes, full account numbers and other information the complaint does not need.
   4. Paste the chronology and the redacted evidence into the prompt, then answer the chatbot's questions using your records rather than memory where possible.
   5. Compare the draft summary, chronology, quotations, amounts and requested remedy against your bank records, and remove every statement the evidence does not support.
   6. Submit the checked complaint through the bank's official complaints or fraud route, attach the relevant evidence, keep a copy and record the acknowledgement or reference.
   7. Read the bank's response and its stated next-step route, then use the relevant official UK complaint or Financial Ombudsman guidance if the bank does not resolve the matter.

   Prompt

   Help me prepare a formal complaint to my UK bank about a bank transfer scam. Do not give me professional advice and do not invent facts, legal rights, deadlines or outcomes.
   
   Use only the information I provide. First produce:
   1. A short factual summary of what happened.
   2. A dated chronology, marking any missing dates as [DATE TO CONFIRM].
   3. An evidence list showing which document supports each important fact.
   4. A formal complaint letter to the bank's complaints or fraud team.
   5. A short list of specific questions and remedies to request from the bank.
   6. A list of anything I must check or add before sending.
   
   Separate confirmed facts from assumptions. Do not describe the transfer as authorised or unauthorised unless my evidence supports that description. Do not claim that reimbursement is guaranteed. Do not include passwords, full account numbers, card security codes or other unnecessary sensitive information. Keep the tone calm, precise and firm. Preserve exact quotations where I provide them, and identify any statement that needs checking against my bank records or the bank's current official complaints process.
   
   My details:
   - Bank name: [BANK NAME]
   - Account or reference details I can safely disclose: [SAFE REFERENCE]
   - Date or dates of the transfer: [DATES]
   - Amount or amounts: [AMOUNTS]
   - What I was told and by whom: [FACTUAL ACCOUNT]
   - How the payment was made: [METHOD]
   - When I contacted the bank and what it said: [BANK CONTACTS AND RESPONSES]
   - Other relevant messages or evidence: [EVIDENCE]
   - What I want the bank to do: [REQUEST]
   
   Before drafting, ask only for missing facts that are necessary to make the complaint accurate. Redact or replace any unnecessary personal or security information I paste here.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.