If not, ask your insurance company to include this protection in your policy going forward. Check if your homeowner's or renter's insurance covers you for card thefts.Include the date and time when you noticed your card was missing, and when you first reported the loss. Confirm that you reported the fraudulent charge or withdrawal. Send a letter to the address used for billing disputes (credit cards) or errors (debit cards). If you wait, you may have to pay for the charges, or lose the money withdrawn from your account. If you spot a charge you didn’t make, call to report it immediately. Keep checking your account statements and call to report fraudulent charges ASAP.Keep a copy of your letter and your notes from calls with the bank or credit union. Send a letter to the card issuer and include your account number, the date and time when you noticed your card was missing, and when you first reported the loss. Consider keeping the customer service numbers for your bank or credit union in your phone’s contacts, and keep them up to date.įollow up immediately in writing. Check your statement or online account for the right number to call. If you wait until someone uses your card without permission, you may have to pay some or all of those charges. If your credit, ATM, or debit card is lost or stolen, don’t wait to report it.Ĭall - or get on the mobile app - and report the loss or theft to the bank or credit union that issued the card as soon as possible. Federal law says you’re not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Avoiding Credit Card Loss Protection Scams.How To Protect Your Account Information.Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.
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