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What to do if your Credit, Debit, or ATM Card is Lost or Stolen
March 31, 2022
Report Loss Or Theft Immediately
If your credit, ATM, or debit card is lost or stolen, don’t wait to report it.
Call — 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.
It’s important to act fast. If you wait until someone uses your card without permission, you may have to pay some or all of those charges.
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Follow up immediately in writing.
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. Keep a copy of your letter and your notes from cal
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Check your statement or online account for the right number to call. Consider keeping the customer service numbers for your bank or credit union in your phone’s contacts, and keep them up to date.