Bank of America Fraud: How to Report It and Stop the Money
If money left your Bank of America account without your permission, or you paid a scammer, contact Bank of America straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Bank of America’s official line below, or use help inside the official Bank of America app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. Bank of America will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in United States, and keep screenshots of every message and payment.
Official Bank of America fraud contacts
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.
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.
If Bank of America 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 as a Bank of America customer in United States
- 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
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).
Common questions about Bank of America fraud
- What is the Bank of America fraud helpline number?
- Bank of America lists these numbers on its own website: 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. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to Bank of America?
- Call Bank of America's official line, or report it in the 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.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if Bank of America will not help or refund me?
- In United States you can complain to FBI Internet Crime Complaint Center (IC3). Details of what each one handles are on this page.
Other providers in United States
JPMorgan ChaseWells FargoCapital OneU.S. BankTruistTD BankZelle
These contacts were read on Bank of America’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Bank of America and cannot recover money. All United States providers are in Bank Fraud Help: United States.