![]() You can send the information in a letter, email or through your bank’s secure messaging service. If you found fraudulent charges, this is the perfect time to document them formally. You should also include your account number, the date you reported the lost debit card and the current date. This is where the confirmation or employee number will come in handy. Repeat the information you provided previously with all forms of communication. ![]() You can call again or even send a written follow-up that summarizes your claim. To make sure everything is on the right track, you should follow up with your bank if you haven’t heard anything. ![]() According to the Consumer Financial Protection Bureau (CFPB), your card issuer has 10 business days to investigate any fraudulent charges and then three extra days to report findings to you. Now that you’ve straightened things out, it’s mostly a waiting game. ![]() You may have to add your new card to these accounts after it arrives in the mail, but make sure you won’t be late on any payments while you’re waiting. You’ll also want to provide another form of payment so you can avoid any fees or disputes. Let each company know your account has been closed. Since your card has been canceled, those payments won’t be able to go through without updated information. Once your card is disabled, you’ll want to notify companies that charge your account for recurring payments, like utility or credit card bills. Many banks will also provide you with an email confirmation or a message confirmation through your online account once any activity with their customer service team has been initiated. This makes it easier to keep track of your claim. You can also ask the representative for their number and employee ID. If you’re provided a confirmation number during the call, record it somewhere safe. If you need more immediate access to your funds, you can go to a bank branch and get a temporary card. Your new card should arrive within a week, although you can request a rush order to shorten your wait time which usually comes with an additional fee but arrives within 2 – 3 days. Some institutions will charge a fee to replace your card, even if it was stolen. It’s better to be safe than sorry when your card goes missing. You should operate with the idea that the card is lost forever, even if you think it might turn up. ![]() Usually, that means completely deactivating the card and issuing you a new one. Your bank’s customer service representative will guide you through the problem, but be sure the call ends with a solution. Some banks give you the ability to freeze your card directly from your online account, which is a good option to do even before you reach out directly so that nothing else is purchased with your card. It’s important to note that calling your bank from another country will likely come with its own extra costs. If we missed your bank, check your monthly statement or visit the bank’s website to find the right number. You may also be able to report lost or stolen cards online if your bank offers that feature. We’ve listed the customer service numbers for popular banks to help. Be sure to report all unauthorized activity that you’ve found to the bank and include every detail discussed above. Let them know that your card is missing and if you’ve found any fraudulent activity on the account that your card was likely stolen. Next, you’ll want to call the financial institution that issued your debit card (which is typically your bank). Sometimes, scammers charge low amounts to your account as a test before they return for more or bigger purchases once those go through. Even if it’s small, you’ll want to make note. If you find anything fraudulent or unauthorized, write down the transaction details (its amount, merchant, location and date). As soon as your card goes missing you should log into your online banking account right away and check your recent payment history for any transactions you don’t recognize. ![]()
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