You do not need magic legal language to ask for the documents your bank relied on when it denied your Regulation E claim.
Start with the bank's denial letter. It should tell you about your right to request the documents the bank relied on in making its determination.
Then make the request clearly.
You want to tell the bank that you are requesting copies of the documents it relied on in making the determination to deny your claim.
Keep a copy of your request and keep whatever the bank sends back.
You do not need to know how to interpret every transaction record, computer code, authentication record, or banking term before you request the documents. Getting the records and understanding them are two different steps.
Maybe you have already disputed the claim several times and know exactly what happened. Maybe you just received the denial and did not even know you had this right.
Either way, you do not have to become an expert in bank fraud investigations before asking for help.
For the full explanation:
https://www.cardozalawcorp.com/blog/what-evidence-did-my-bank-rely-on-to-deny-my-claim-.cfm
