EVOLUTION-NINJA

Edit File: 1728955076.M314465P2700.myaccount8.wpcpanel.com,S=43704,W=44427:2,S

Envelope-to: dom@e24.com.au
Delivery-date: Tue, 15 Oct 2024 12:17:56 +1100
From: "Commonwealth Bank of Australia" <no-reply@edm.cba.com.au>
To: <dom@e24.com.au>
Subject: Your account has been refunded
Date: Mon, 14 Oct 2024 19:17:06 -0600
MIME-Version: 1.0
Reply-To: "Commonwealth Bank of Australia" <reply-fe8c17777d64037973-15_HTML-41025784-7207336-15989@edm.cba.com.au>
Message-ID: <ab69f375-d046-4bf3-ba88-75ebcd79fd2f@atl1s07mta2922.xt.local>
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Commonwealth Bank of Australia

CommBank will never ask for your banking information like your Client ID, password, or NetCode; or include a link to log on directly from an email or SMS. Always type commbank&zwnj;.&zwnj;com&zwnj;.&zwnj;au into a browser or use the CommBank app to securely access your banking. 
 
https://view.edm.cba.com.au/?qs=f63e110778501c820c9d74a51a2eb807f89c7ec8c6119b4a664edd824d2e851d0b981f8248f3f2b64867072950f5359460e25ab6ce16373c4c4fa1210f024250dbc44c3890fa3b4d6587d493b7c065dc 
View this email online.

ZHBMDB113834626

Dear
 Dominic,

Your refund amount is $2.15

We're building a simpler, better bank and are committed to taking actions to serve you better – this includes putting things right when we get it wrong.

During a recent review, we have identified that your bank account(s) ending in ****1904 had a processing issue that resulted in overcharged interest. As a result, we are refunding the amount of $2.15, which includes the total amount of interest and/or fee(s) plus additional compensation for any additional returns you could have generated over this period had the error not occurred.

We apologise for this error and any inconvenience it may have caused.

Your Refund SummaryAccount NumberError Start DateError AmountAdditional CompensationRefund Amount

****190401-01-2022$1.73$0.42$2.15

Total $1.73$0.42$2.15

The error start date reflects the first instance the error occurred. In some cases this could be a recurring error which we have accounted for in the error amount.

What you need to know
We've made a few assumptions to your benefit when calculating your refund amount, these are explained in our Frequently Asked Questions below. You may also like to seek independent tax advice as your refund amount may have tax implications depending on your individual circumstances.

This communication contains important information, please keep a copy for your records. If you have NetBank, a copy has been sent to your NetBank inbox.
 
How we processed your refund
We have directly credited your transaction Account No: ****6655. Your refund amount will appear on the statement with the description "Refund from CBA". 
 
We're here to help 
Please contact us if you would like more information or a detailed breakdown on your refund. If you are not satisfied with your outcome or wish to lodge a complaint, call 1800 785 683 between 9.00am and 5.00pm (Sydney/Melbourne time) Monday to Friday or +61 2 8093 1687 if you are overseas.

Yours sincerely,

The CommBank Team

Frequently Asked Questions
Here is how we’ve calculated your refund
	- Additional compensation refers to the potential interest that could have been earnt in your account or the time value of money during which you were affected by the error. The inclusion of additional compensation aims to recompense you for the period of time you did not have access to the funds. 
	- During the period when your impacted account was active, compensation was calculated using the highest account rate for the month/cycle or a higher suitable proxy rate. 
	- After your impacted account had been closed, the compensation is calculated by using the account rate, higher suitable proxy rate or a combination of both depending on the nature of account closure. This ensures that you receive the maximum remediation amount.

We often make assumptions to your benefit when calculating the total refund amount that may include: 
 
	- If we have reason to believe that an account was impacted by the error, it is included which will ensure all customers are remediated and occasionally may result in customers being remediated who weren’t impacted by the error. 
	- The end of the impacted period may have been extended to ensure we complete your payment within that period resulting in additional compensation to your overall refund. 
	- Where applicable, a higher interest rate may be used. For example if your account is closed and the interest rate is unknown, a higher suitable proxy rate may be used.

If you have other accounts impacted

A thorough review was conducted on the account/s impacted by this error. If multiple accounts have been impacted, we have consolidated this into one refund amount and stated this in your communication. In some instances you may receive more than one communication from us for your refund.

You may not recognise the account

The account may have been closed a while ago. Even though it was closed we still need to investigate and compensate you the error and refund you where possible.

If you have an existing CommBank account, there may be reasons why we are unable to credit that specific account. These reasons can include system restrictions and/or complying with ASIC regulations.

You may need to seek tax advice on your refund

Unfortunately, we are unable to provide tax advice. Please refer to a registered tax agent for any information regarding tax advice and/or implications of the refund, or visit the Australian Taxation Office website. You may also need to keep a copy of this communication with your tax records.

Your security, our priority.

We'll never send you an email or SMS asking for banking information like your NetBank Client ID, password, or NetCode; or include a link to login directly from an email or SMS. Always type commbank&zwnj;.&zwnj;com&zwnj;.&zwnj;au into a browser or use the CommBank app to securely access your banking. If something looks suspicious from CommBank, forward it to hoax@cba&zwnj;.&zwnj;com&zwnj;.&zwnj;au and delete it. For more on how to protect yourself from scams and fraud, visit 
https://click.edm.cba.com.au/?qs=e41ce923af8ba9220ca84b89b9421d412e7d070425a4d086c04f1c9375bd60c42350497f48c48519470b200d9f16f78c9115a29bfcfe2163 
commbank.com.au/safe

Things you should know:

This email contains important information or updates about your service and as such you cannot unsubscribe from these types of messages. This email was sent from an address that cannot accept incoming email.

To contact us please visit the 
https://click.edm.cba.com.au/?qs=e41ce923af8ba922dbcf6b3431f13ce963f9156675f3498f4d5b5575d3924c41512ce7f7f2b2e522a64cc2fe0b316667a5ecf184993ca9d5 
Contact Us  section of our website. To see how we protect your information, view our 
https://click.edm.cba.com.au/?qs=e41ce923af8ba9225515f524837aacab7f286df9c6b759662a2203a6a214c38382cf2852caa65620cd3dbdff350ab0e9ea4ab4cfeeaa5d51 
Privacy Policy .

Commonwealth Bank of Australia ABN 48 123 123 124, AFSL & Australian credit licence 234945

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<div class="preheader" style="font-size: 1px; display: none !important;">Your account has been refunded</div>
 <div role="article" aria-roledescription="email" aria-label="email name" style="font-size:medium; font-size:max(16px, 1rem)">
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     <p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;">
     CommBank will never ask for your banking information like your Client ID, password, or NetCode; or include a link to log on directly from an email or SMS. Always type <span style="white-space:nowrap; display:inline-block;">commbank&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>com&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>au</span> into a browser or use the CommBank app to securely access your banking. 
       
                        <a href="https://view.edm.cba.com.au/?qs=f63e110778501c820c9d74a51a2eb807f89c7ec8c6119b4a664edd824d2e851d0b981f8248f3f2b64867072950f5359460e25ab6ce16373c4c4fa1210f024250dbc44c3890fa3b4d6587d493b7c065dc" target="_blank" style="text-decoration: underline; color: #161616;">View this email online.</a>
     
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                         ZHBMDB113834626
        </p> 
      
        <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
                        <strong>Dear
 Dominic,</strong>
        </p>  
        <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
                        <strong>Your refund amount is $2.15</strong>
        </p>
                      
                      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
        We're building a simpler, better bank and are committed to taking actions to serve you better – this includes putting things right when we get it wrong.
      </p>
  <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
        During a recent review, we have identified that your bank account(s) ending in ****1904 had a processing issue that resulted in overcharged  interest. As a result, we are refunding the amount of $2.15, which includes the total amount of interest and/or fee(s) plus additional compensation for any additional returns you could have generated over this period had the error not occurred.     
      </p>
      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
      We apologise for this error and any inconvenience it may have caused.
       </p>
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                      <td colspan="2" align="left" style="color:#000000; text-align:left;" >           
                       <h3 style="font-family:Arial, sans serif;font-size:16px;font-weight:bold;line-height:1.19;text-align:left;color:#000000;">Your Refund Summary</h3>
                      
       
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      <th bgcolor="#b1b0aa" width="20%" align="center" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 16px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19; border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>Error Start Date</strong></th>
                 <th bgcolor="#b1b0aa" width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 16px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19; border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>Error Amount</strong></th>
                
       <th bgcolor="#b1b0aa" width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 16px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19; border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>Additional Compensation</strong></th>
                
    <th bgcolor="#b1b0aa" width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 16px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19; border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>Refund Amount</strong></th>
                </tr>

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                 <td width="20%" align="center" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;border-left: solid 2px #000000;">****1904</td>
     <td width="20%" align="center" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;">01-01-2022</td>
                 <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;">$1.73</td>
     <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;">$0.42</td>
     <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;">$2.15</td>
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     <td width="20%" align="left" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;">&nbsp;</td>
                 <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>$1.73</strong></td>
     <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>$0.42</strong></td>
     <td width="20%" align="right" valign="middle" style="padding: 10px 5px 10px 5px;  font-size: 14px; font-family: Arial, sans-serif; color: #000000; line-height: 1.19;border-top: solid 2px #000000;border-right: solid 2px #000000;border-bottom: solid 2px #000000;"><strong>$2.15</strong></td>
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              </table>
       <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">The error start date reflects the first instance the error occurred. In some cases this could be a recurring error which we have accounted for in the error amount. </p>

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                       <h3 style="font-family:Arial, sans serif;font-size:16px;font-weight:bold;line-height:1.19;text-align:left;color:#000000;">What you need to know</h3>
                      
                      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">We've made a few assumptions to your benefit when calculating your refund amount, these are explained in our Frequently Asked Questions below. You may also like to seek independent tax advice as your refund amount may have tax implications depending on your individual circumstances. 
        </p>
        <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">This communication contains important information, please keep a copy for your records. If you have NetBank, a copy has been sent to your NetBank inbox.
        </p> 
        <h3 style="font-family:Arial, sans serif;font-size:16px;font-weight:bold;line-height:1.19;text-align:left;color:#000000;">How we processed your refund</h3>
                      
                      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">We have directly credited your transaction Account No: ****6655. Your refund amount will appear on the statement with the description "Refund from CBA". 
        </p>
        <h3 style="font-family:Arial, sans serif;font-size:16px;font-weight:bold;line-height:1.19;text-align:left;color:#000000;">We're here to help </h3>
        
        <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">Please contact us if you would like more information or a detailed breakdown on your refund. If you are not satisfied with your outcome or wish to lodge a complaint, call <strong>1800 785 683</strong> between 9.00am and 5.00pm (Sydney/Melbourne time) Monday to Friday or <strong>+61&nbsp;2&nbsp;8093&nbsp;1687</strong> if you are overseas.
        </p>
                      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"><strong>Yours sincerely,<br />
        The CommBank Team</strong></p>
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                       <h2 style="Font-family: Arial, sans-serif; Font size: 20px; Font weight: Bold; Line-height: 1.19; Text align: left; Color: #000000;">Frequently Asked Questions</h2>
                      
                      <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"><strong>Here is how we’ve calculated your refund</strong>
        <ul style="margin-top:15px;margin-bottom:15px;font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
         <li style="Margin-top:0px;padding-bottom:10px;">Additional compensation refers to the potential interest that could have been earnt in your account or the time value of money during which you were affected by the error. The inclusion of additional compensation aims to recompense you for the period of time you did not have access to the funds. </li>
         <li style="padding-bottom:10px;">During the period when your impacted account was active, compensation was calculated using the highest account rate for the month/cycle or a higher suitable proxy rate. </li>
         <li style="padding-bottom:10px;">After your impacted account had been closed, the compensation is calculated by using the account rate, higher suitable proxy rate or a combination of both depending on the nature of account closure. This ensures that you receive the maximum remediation amount. </li> 
         <span style="color:hotpink;"> </span>
        </ul>
       </p>
     <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">We often make assumptions to your benefit when calculating the total refund amount that may include: 
      <ul style="margin-top:15px;margin-bottom:15px;font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
         <li style="Margin-top:0px;padding-bottom:10px;">If we have reason to believe that an account was impacted by the error, it is included which will ensure all customers are remediated and occasionally may result in customers being remediated who weren’t impacted by the error.  </li>
         <li style="padding-bottom:10px;">The end of the impacted period may have been extended to ensure we complete your payment within that period resulting in additional compensation to your overall refund.  </li>
         <li style="padding-bottom:10px;">Where applicable, a higher interest rate may be used. For example if your account is closed and the interest rate is unknown, a higher suitable proxy rate may be used. </li> 
       <span style="color:hotpink;"> </span>
        </ul>
        </p>
     
     <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"><strong>If you have other accounts impacted</strong><br />
     A thorough review was conducted on the account/s impacted by this error. If multiple accounts have been impacted, we have consolidated this into one refund amount and stated this in your communication. In some instances you may receive more than one communication from us for your refund.</p>
     <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"><strong>You may not recognise the account</strong><br />
     The account may have been closed a while ago. Even though it was closed we still need to investigate and compensate you the error and refund you where possible.</p>
<p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">If you have an existing CommBank account, there may be reasons why we are unable to credit that specific account. These reasons can include system restrictions and/or complying with ASIC regulations.
</p>
     <p style="font-family:Arial, sans serif;font-size:16px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"><strong>You may need to seek tax advice on your refund</strong><br />
     Unfortunately, we are unable to provide tax advice. Please refer to a registered tax agent for any information regarding tax advice and/or implications of the refund, or visit the Australian Taxation Office website. You may also need to keep a copy of this communication with your tax records.</p>
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     <p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
          <strong>Your security, our priority. </strong> 
        </p>
<p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">We'll never send you an email or SMS asking for banking information like your NetBank Client ID, password, or NetCode; or include a link to login directly from an email or SMS. Always type <span style="white-space:nowrap; display:inline-block;">commbank&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>com&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>au
</span> into a browser or use the CommBank app to securely access your banking. If something looks suspicious from CommBank, forward it to <span style="white-space:nowrap; display:inline-block;">hoax@cba&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>com&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>.&zwnj;<span style="font-size:1px; line-height:4px; display:none;"> </span>au</span> and delete it. For more on how to protect yourself from scams and fraud, visit <a href="https://click.edm.cba.com.au/?qs=e41ce923af8ba9220ca84b89b9421d412e7d070425a4d086c04f1c9375bd60c42350497f48c48519470b200d9f16f78c9115a29bfcfe2163" style="color: #000000" target="_blank">commbank.com.au/safe</a>
</p>
     <p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"> <strong>Things you should know:</strong></p>
                    <p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">    
This email contains important information or updates about your service and as such you cannot unsubscribe from these types of messages. This email was sent from an address that cannot accept incoming email.
        </p>
<p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;"> 
To contact us please visit the <a href="https://click.edm.cba.com.au/?qs=e41ce923af8ba922dbcf6b3431f13ce963f9156675f3498f4d5b5575d3924c41512ce7f7f2b2e522a64cc2fe0b316667a5ecf184993ca9d5" target="_blank" style="color:#000000">Contact Us</a> section of our website. To see how we protect your information, view our <a href="https://click.edm.cba.com.au/?qs=e41ce923af8ba9225515f524837aacab7f286df9c6b759662a2203a6a214c38382cf2852caa65620cd3dbdff350ab0e9ea4ab4cfeeaa5d51" style="color: #000000" target="_blank">Privacy Policy</a>.
</p>
<p style="font-family:Arial, sans serif;font-size:11px;font-weight:400;line-height:1.19;text-align:left;color:#000000;">
 Commonwealth Bank of Australia ABN 48 123 123 124, AFSL &amp; Australian credit licence 234945</p>       
        
      
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