Contact your financial institution first to block the card and report the transaction: the sworn declaration comes afterwards, if required, and does not replace that immediate report.
In what situations is it requested?
- online or in-store purchases you did not make;
- a card copied, lost or stolen and then used fraudulently;
- a withdrawal or transfer you do not recognize;
- disputing an amount after the ordinary reporting period has ended.
What should the declaration contain?
- your identity and the account or card number concerned (partially masked);
- the list of disputed transactions with dates and amounts;
- the known circumstances (lost card, suspicious email, etc.) and the date you discovered the fraud;
- a statement that you neither made nor authorized these transactions;
- a statement of truthfulness.
How does this relate to fraudulent cheques?
The principle is close: in both cases, you swear that you did not authorize a transaction. For a cheque endorsed by a third party, see our dedicated article.
Declaration of fraudulent cheque endorsement
Can it be sworn online?
Yes, when the document and situation are eligible for remote oath commissioning, by videoconference.
Online oath commissioning in Québec: how does it work?
Assermentation Express
Assermentation Express is not a financial institution and refunds no transactions. This service is limited to receiving the oath or solemn affirmation on a document already prepared.