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Dispute of an unauthorised payment transaction

Български
Bulgaria
Consumer
Complaint & Appeal
Print & sign
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This document is in Bulgarian

The PDF you download is in Bulgarian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

Where a payment was not made or authorised by you, tell the bank at once — delay shifts the risk onto you. The dispute describes the transaction by date, amount and payee, says where the card was at that moment, and asks for the money back. File it in writing with a reference number, even if you have already phoned the call centre.

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Common questions

How quickly do I have to report it?
As soon as you know. Delay shifts part of the risk onto you and is the first thing the bank checks. Phone to block the instrument, and file the written dispute immediately afterwards.
Is phoning the call centre enough?
For blocking, yes. For disputing, no. A phone call leaves no document with a reference number, and that is exactly what shows when you reported it and what you disputed.
What if I gave my details to a fraudster myself?
File the dispute anyway. Whether there was gross negligence is a judgement rather than an automatic conclusion, and it is made on the circumstances as described — so describe exactly how it happened instead of leaving details out.
Why do I have to say where the card was?
Because its physical location at the time of the transaction is among the strongest circumstances. A card in your pocket while the payment was made elsewhere is a fact that speaks for itself.

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