How to report a scam to your bank — direct fraud lines for the top 10 US banks
If money already left your account — by wire, ACH, Zelle, debit card, or check — your bank is the single most important call you can make in the first 24 hours. Recall windows are short (often 72 hours for wires, 60 days for ACH/Reg E disputes), and every major US bank has a dedicated 24/7 fraud line that's separate from regular customer service. Use the directory below to skip the IVR and reach a fraud specialist directly.
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Call your bank's fraud line first (numbers below), then file IC3 at ic3.gov and reportfraud.ftc.gov. When you call, say exactly: 'I'm reporting unauthorized activity / a fraud loss. I need a fraud case opened, a wire recall or ACH dispute initiated if possible, and a written confirmation of the case number.' Do not call any number a stranger texted or emailed you — use only the numbers on the back of your card or the verified list below.
Step-by-step check
- 1
Chase — 1-800-935-9935 (debit/Zelle) · 1-800-432-3117 (credit) · chase.com/digital/resources/privacy-security/security/report-fraud
Chase splits fraud lines by product. For Zelle, debit, or checking fraud call 1-800-935-9935 (24/7). For credit-card fraud call 1-800-432-3117. Report online at chase.com/digital/resources/privacy-security/security/report-fraud. Ask for a 'fraud case number' and a wire recall request in writing if a wire was sent in the last 72 hours.
- 2
Wells Fargo — 1-866-867-5568 (general fraud) · wellsfargo.com/privacy-security/fraud
Wells Fargo's 24/7 fraud line is 1-866-867-5568. For online-banking takeover specifically: 1-866-867-5568 option 2. Report online at wellsfargo.com/privacy-security/fraud/report. Ask them to flag your accounts under their Account Activity Alerts and to escalate to the Financial Crimes Unit if a wire was sent.
- 3
Bank of America — 1-800-432-1000 (deposit/Zelle) · 1-800-732-9194 (credit) · bankofamerica.com/security-center/report-lost-stolen-card.go
Bank of America's 24/7 deposit-account fraud line is 1-800-432-1000. Credit-card fraud: 1-800-732-9194. Report online at bankofamerica.com/security-center/report-lost-stolen-card.go. Ask for a 'Reg E claim' for unauthorized electronic transfers — banks must investigate within 10 business days.
- 4
Citi / Citibank — 1-800-950-5114 (credit) · 1-888-201-4523 (Citigold/retail) · citi.com/credit-cards/cardbenefits/lostStolenReporting.do
Citi's 24/7 credit-card fraud line is 1-800-950-5114. For Citi checking/savings: 1-888-201-4523. Report online at citi.com under Security Center → Report Fraud. Citi runs one of the better real-time monitoring teams — ask them to enable 'transaction alerts on every charge' while the case is open.
- 5
US Bank — 1-800-USBANKS (1-800-872-2657) · usbank.com/online-banking-fraud-prevention.html
US Bank's main 24/7 line is 1-800-872-2657. For card fraud specifically: 1-800-285-8585. Report online at usbank.com/online-banking-fraud-prevention.html. Reference 'unauthorized ACH/wire' explicitly — using the legal language speeds the dispute.
- 6
PNC Bank — 1-888-762-2265 (24/7) · pnc.com/en/security-privacy/reporting-fraud.html
PNC's 24/7 fraud line is 1-888-762-2265 (option 5 → option 1 for fraud). Online: pnc.com/en/security-privacy/reporting-fraud.html. Ask for both a card replacement and a 'fraud-watch flag' so future Zelle/ACH require a callback to authorize.
- 7
Capital One — 1-800-227-4825 (credit) · 1-800-655-2265 (checking) · capitalone.com/digital/security-rebuild
Capital One's 24/7 credit-card fraud line is 1-800-227-4825. Checking: 1-800-655-2265. Report online at capitalone.com/digital/security-rebuild. They issue provisional credits faster than most peers — ask explicitly for one while the case is investigated.
- 8
TD Bank — 1-888-751-9000 (24/7) · td.com/us/en/personal-banking/security
TD Bank's 24/7 fraud line is 1-888-751-9000. Online reporting at td.com/us/en/personal-banking/security. Ask for the Financial Crimes & Fraud Management team if a wire is involved — front-line agents can't recall wires themselves.
- 9
Truist — 1-844-487-8478 (24/7) · truist.com/fraud-and-security
Truist's 24/7 fraud reporting is 1-844-487-8478. For Zelle disputes specifically: 1-844-4TRUIST option 6. Online: truist.com/fraud-and-security/report-fraud. Reference 'unauthorized payment' for Reg E coverage on consumer accounts.
- 10
Goldman Sachs / Marcus — 1-833-720-6735 · marcus.com/us/en/contact-us
Marcus by Goldman Sachs: 1-833-720-6735 (24/7). For Apple Card (issued by Goldman): contact through the Wallet app → Card → Report an Issue, or 1-877-255-5923. Their fraud team handles cases via secure chat in-app, which creates a written record automatically.
Red flags
- Anyone calling YOU claiming to be 'bank fraud department' and asking you to move money to a 'safe account' — every major bank says they will NEVER ask you to do this. Hang up and call the number on the back of your card.
- Texts with shortened links (bit.ly, tinyurl) claiming to be your bank — banks always use their own domain.
- Pressure to send a wire or Zelle 'right now' to stop fraud — real bank holds don't work that way.
- Caller-ID showing your bank's name — scammers spoof these trivially. The number you dial out matters, not the one that shows on incoming calls.
- Anyone asking for your one-time passcode (OTP) — your bank already has access to your account; they never need your code.
What to do next
- ✓Call the verified fraud line above for your bank — do not Google a new number while panicked.
- ✓File ic3.gov within 24 hours so the FBI report number can support a wire recall.
- ✓Freeze your credit at Equifax, Experian, and TransUnion if any personal info was shared.
- ✓Scan the scammer's number, link, or wallet at gacs.app/check before anyone else falls for it.
FAQ
How fast can my bank recall a wire?
Domestic wires: best chance is within 24–72 hours, while the funds are still at the receiving bank. International wires: occasionally recoverable within a week, rarely after. Call the moment you notice — every hour matters.
Is Zelle covered by Reg E?
Yes for unauthorized transactions (someone else used your account). 'Authorized but induced' fraud — you sent it yourself because of a scam — has historically NOT been covered, though the major banks have voluntarily expanded reimbursement under the 2024 Zelle policy update for imposter scams. Report it anyway; ask explicitly for an 'imposter scam reimbursement review'.
What if my bank refuses to refund me?
File a CFPB complaint at consumerfinance.gov/complaint — this triggers a written response within 60 days. Also file with your state attorney general and your state banking regulator. Banks resolve a large share of disputes once a regulator is copied.
Should I close the compromised account?
Usually yes for checking/savings if your account number was used by the scammer — opening a fresh account with a new number is faster than fighting recurring debit attempts. For credit cards: the bank just issues a new card number on the same account, no closure needed.
My bank isn't on this list — what do I do?
Use only the fraud number on the back of your physical card or printed on your last paper statement. Never use a number from a search engine, email, or text. Every FDIC-insured US bank is required to maintain a 24/7 fraud reporting channel.
Sources
- 1ReportFraud.ftc.gov US Federal Trade Commission — Where US consumers file a fraud report.
- 2Where to report a scam USA.gov — Directory of the correct US agency for each scam type.
- 3Report fraud and cybercrime Report Fraud (UK) — UK national reporting centre for fraud and cybercrime.
- 4Canadian Anti-Fraud Centre RCMP / Competition Bureau / OPP — Canada's central fraud reporting and intelligence body.
Every figure on this page is quoted from the body named beside it. Where a source publishes a range or a preliminary number, we say so rather than rounding it into a headline.
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Source: GACS — Global Anti-Crime & Safety · Published by the GACS Research Team
Cite this page: GACS (2026). How to Report a Scam to Your Bank. https://gacs.app/guides/how-to-report-scams-to-your-bank · Record ID GACS-guides-how-to-report-scams-to-your-bank
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