How to File a FAB Dispute Form for Credit Card Fraud
Finding an unauthorized transaction on your credit card can be stressful. Many cardholders immediately search for the FAB Dispute Form without understanding how the dispute process works in the UAE. As a result, claims often get delayed or rejected due to simple mistakes.
This guide explains how to file a FAB Dispute Form correctly for credit card fraud. It covers timelines, common errors, legal escalation options, and when professional support becomes necessary. The goal is to help you protect your money and your legal rights under UAE banking regulations.
If the issue feels confusing or the amount involved is significant, seeking Legal Consultation early can prevent costly errors.
Understanding Credit Card Fraud in the UAE
Credit card fraud in the UAE often involves unauthorized online transactions, phishing scams, or compromised card details. UAE banks follow strict internal and regulatory procedures when handling fraud claims. However, they also expect cardholders to act promptly and responsibly.
Most banks require disputes to be raised within 30 to 60 days from the statement date. Missing this deadline can significantly reduce recovery chances. Understanding this time sensitivity is essential before submitting any dispute.
What Is the FAB Dispute Form and Why It Is Important
The FAB Dispute Form is the official document used by First Abu Dhabi Bank to investigate disputed credit card transactions. This form allows the bank to classify the issue, review evidence, and coordinate with card networks.
The way the form is completed matters. Incorrect dispute reasons, unclear explanations, or missing documents can weaken your claim. In serious cases, this form may later be reviewed during legal escalation or regulatory complaints.
Quick Steps to File a FAB Dispute Form Immediately
If you suspect fraud, act quickly. First, call FAB customer support at 600 52 5500 to block your card. This step limits further losses and shows prompt action.
Next, download the official dispute form from FAB’s website. Fill in your card details, disputed transaction date, amount, and merchant name carefully. Then email the completed form to FAB using the official dispute email listed on their website.
If you feel unsure while preparing the form, professional Drafting support can help avoid mistakes that may lead to rejection.
How to Fill the FAB Dispute Form Correctly
Selecting the Correct Dispute Reason
This is the most critical part of the FAB Dispute Form. Many disputes fail because the wrong reason is selected.
If you did not authorize the transaction at all, select “transaction not recognized.” This applies to fraud, hacking, or phishing incidents. If you authorized payment but did not receive goods or services, select “services not received.”
Never mark forgotten subscriptions or renewal charges as fraud. This can result in rejection and penalties.
Documents Required to Support Your Claim
Supporting documents strengthen your claim. These may include transaction alerts, screenshots, merchant communications, and police reports for high-value fraud cases.
Incomplete or unclear documentation often delays investigations. This is why legal drafting principles also apply when preparing banking disputes.
Fees, Timelines, and What to Expect from FAB
How Long Does FAB Take to Resolve a Dispute?
FAB usually acknowledges disputes within a few working days. Investigation timelines typically range from 45 to 90 days, depending on complexity and card network involvement.
In some cases, FAB may issue a temporary credit refund. This is provisional and may be reversed if the dispute is rejected later.
The Invalid Dispute Fee Explained
FAB may charge an invalid dispute fee of AED 25 plus VAT if the claim is found to be unjustified. This usually happens when transactions were authorized or incorrectly reported.
Fraud vs Merchant Dispute: Avoiding Common Rejections
Fraud involves unauthorized card usage. Merchant disputes involve authorized payments where goods or services were not delivered as promised. Choosing the wrong category is one of the most common reasons for rejection.
For high-value cases, legal review before submission is recommended. Experienced Banking Disputes professionals can help assess the correct approach.
What If FAB Rejects Your Dispute?
Escalation Options in the UAE
If FAB does not resolve your dispute within 30 days, you may escalate the complaint to Sanadak, the UAE’s financial ombudsman. Further escalation to the UAE Central Bank may also be possible.
These steps require structured documentation and careful communication. Poor escalation handling can weaken your position.
When Legal Action Becomes Necessary
If the disputed amount is large or involves cybercrime, banking processes alone may not be sufficient. Legal action may be required to protect your rights.
Professional support in drafting legal documents and formal notices becomes essential at this stage.
Why Professional Legal Support Matters
Credit card disputes are not only banking issues. They also involve contract law, consumer protection, and sometimes criminal law. Professional guidance improves outcomes and reduces stress.
At 2s Lawyers, based in Sharjah, UAE, clients receive trusted assistance through strategic advice, documentation support, and dispute escalation.
CTA: If your FAB dispute is delayed or rejected, speak with 2s Lawyers through Legal Consultation before your rights expire.
How 2s Lawyers Can Help You
2s Lawyers focus on results, not just form submission. The firm assists clients with dispute strategy, escalation, and communication with banks.
Clients seeking reliable support through virtual legal consultation in the UAE or searching for legal consultants near me in trust 2s Lawyers for clarity and professionalism.
Contact S & S Lawyers in Sharjah, UAE for professional support with complex FAB credit card fraud disputes.
Frequently Asked Questions
How long do I have to submit a FAB dispute?
Most disputes must be raised within 30 to 60 days from the statement date. Acting early improves recovery chances and strengthens your claim.
Can I recover money after credit card fraud?
Yes, recovery is possible if the fraud is reported quickly and the dispute is filed correctly. Delays reduce success rates.
Is the FAB Dispute Form enough for large fraud cases?
For small disputes, the form may be enough. For large or complex cases, legal escalation is often required.
Does FAB charge for filing a dispute?
FAB may charge AED 25 plus VAT if the dispute is found invalid. Correct classification helps avoid this fee.
Final Thought
Filing a FAB Dispute Form is not just paperwork. It is a legal process that requires accuracy, timing, and awareness. Professional guidance can protect your financial interests and peace of mind.
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