This is called multi-factor authentication - a security practice that makes it harder for scammers to log in to your accounts if they get your username and password. Some accounts offer extra security by requiring two or more credentials to log into your account. Protect your accounts by using multi-factor authentication, when available.Never leave your account information out in the open.
Don’t give your account number over the phone unless you made the call - and know why you need to share it. Your ATM/debit card account, and possibly more - for example, money in accounts linked to your debit account …more than 60 calendar days after your statement is sent to you …more than 2 business days after you learn about the loss or theft, but within 60 calendar days after your statement is sent to you …within 2 business days after you learn about the loss or theft …before any unauthorized charges are made If you report your ATM or debit card lost or stolen … If someone uses your ATM or debit card before you report it lost or stolen, what you owe depends on how quickly you report it. You aren’t responsible for any transactions you didn’t authorize if you reported the loss within 60 calendar days after your statement is sent to you Your account number is used but your card isn’t lost or stolen What you’re responsible for depends on how quickly you reported it The maximum you might be responsible for is $50 You report your card’s loss after someone uses it You aren’t responsible for any transactions you didn’t authorize You aren’t responsible for any charges you didn’t authorize You report your card’s loss before someone uses it Under federal law, you have protections that help limit what you have to pay if your credit, ATM, or debit cards are lost or stolen. If you suspect identity theft, visit to report it and get a recovery plan.
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Get copies of your free credit reports to monitor for accounts or charges you don’t recognize. 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.
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