United States: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 8 providers in United States.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in United States.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about United States
- A phone call alone does not protect your legal rights on a credit card dispute: also send it in writing within 60 days of the statement.
- Wells Fargo states that neither it nor Zelle offers purchase protection on Zelle payments, for example if an item you paid for never arrives.
- Zelle has no fraud phone line. Report Zelle fraud to your own bank or credit union.
Bank and payment fraud lines
JPMorgan Chase
Bank- Fraud: checking, savings or debit card (press 8):1-800-935-9935(Mon–Fri 8am–midnight ET, Sat–Sun 9am–6pm ET)
- Fraud: checking, savings or debit card, from outside the US:1-713-262-3300(Mon–Fri 8am–midnight ET, Sat–Sun 9am–6pm ET)
- Fraud: personal credit card (press 2):1-800-955-9060
- Fraud: business checking or savings:1-866-564-2262(Mon–Sun 7am–10pm ET)
- Fraud: business credit card:1-800-704-0285
App or online: Chase Mobile app: tap the charge, then 'Report a problem' and follow the steps.
Report phishing: [email protected]
Bank of America
Bank- Fraud: ATM, debit card, check or Zelle:800-432-1000
- Fraud: ATM, debit card, check or Zelle:877-366-1121
- Fraud: ATM, debit card, check or Zelle, from abroad (collect):1-315-724-4022
- Fraud: consumer credit card:800-732-9194
- Fraud: consumer credit card:800-421-2110
- Fraud: consumer credit card, from abroad (collect):1-302-738-5719
- Fraud: wire transfers:877-337-8357
- Fraud: wire transfers, from abroad (collect):1-302-781-6374
App or online: Log in to Online Banking to report it. You can lock your card in the app, but locking is not the same as reporting it lost or stolen.
Wells Fargo
Bank- Fraud: personal accounts, debit or ATM card, elder fraud, identity theft:1-800-869-3557
- Fraud: Zelle, bill pay, online transfers or digital wires, or you shared a code after a phishing message:1-866-867-5568
- Fraud: Business Banking accounts:1-800-225-5935
- Fraud: commercial accounts (US, Canada, Mexico):1-800-289-3557
- Debit card claim status:1-800-548-9554(Mon–Fri 7am–midnight ET)
- Credit card claim status:1-800-423-7618(Mon–Fri 7am–midnight ET)
App or online: Credit card fraud: call the number on the back of your card. Lost or stolen card: use 'Replace my card' on the Wells Fargo website.
Report phishing: [email protected]
Capital One
Bank- Fraud: debit card or suspicious account access:1-888-464-0727
- Credit card customer service:1-800-227-4825
- Credit card, from abroad (collect):1-804-934-2001
App or online: Credit card: in the app or on the website, select the transaction, tap 'Report a problem' and answer the questions. You can also lock your card.
U.S. Bank
Bank- Fraud department:877-595-6256
App or online: Log in to your account to submit a fraud claim or lock your card.
Truist
Bank- Report fraud, all claim types (press 1):844-487-8478(24/7)
- Report fraud, from outside the US:+1-910-914-8250
- Claim status: ACH and wire (press 3, 3, 3):800-448-5493(Mon–Fri 7am–7pm ET)
- Claim status: all other products:866-472-9786
App or online: Debit card: log in to Online Banking to file a claim without waiting for a specialist.
Report phishing: [email protected]
TD Bank (US)
Bank- Fraud line:1-800-893-8554(24/7)
- Lost or stolen ATM or Visa debit card:1-888-751-9000(24/7)
- Lost or stolen Visa credit card:1-888-561-8861(24/7)
App or online: Log in to the TD Bank app first to reach a live agent faster (TD ASAP). You can also report a lost or stolen card in the app or Online Banking.
Zelle
Instant paymentsApp or online: Zelle has no fraud phone line. Contact the bank or credit union you use Zelle through, right away.
Not listed here
We could not confirm contact details on the official website of: Citibank, PNC, Goldman Sachs / Apple Card. Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.
If your bank won’t help
FBI Internet Crime Complaint Center (IC3)
Report online scams and internet-enabled fraud to the FBI using 'File a Complaint'.
Scammers pretend to be the IC3. The real IC3 never contacts you to ask for information or money, and does not work with law firms or crypto services to recover funds.
Official websiteYour rights
- Regulation E: debit cards and electronic transfers. If you tell your bank within 2 business days of learning your card or access device was lost or stolen, your loss is capped at $50; after that, up to $500. If you do not report an unauthorised transfer within 60 days of the statement showing it, you can be liable for later transfers the bank shows would not have happened had you told it in time. Source
- Regulation E: reporting errors and unauthorised transfers. Report the problem, by phone or in writing, within 60 days of the statement on which it first appears. The bank normally has 10 business days to investigate, or up to 45 days if it gives you a provisional credit in the meantime. Source
- Regulation Z: unauthorised credit card use. You owe at most $50 for charges someone else made on your credit card before you reported it. State law or your card agreement may set a lower limit. Source
- Regulation Z: credit card billing disputes. Dispute a charge in writing, sent to the billing-error address on your statement, within 60 days of the first statement showing it. The issuer must resolve it within 2 billing cycles (90 days at most), and you do not have to pay the disputed amount meanwhile. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in United States lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in the United States (and Recover Your Money).
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.