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GACS editorial note

Calling your bank's fraud line: what to say and what to avoid

The bank is the single most important call in the first 24 hours after a scam. Domestic wire recalls work best within 72 hours; Zelle reimbursement under the 2024 imposter-scam policy update needs the case opened the same day. The fraud-team numbers below are pulled from each bank's own security page and re-verified quarterly — do not Google a new number while panicked, because the top paid results are routinely spoofed by fake-support scammers.

When you reach a fraud agent, lead with these exact words: "I'm reporting unauthorized activity. Please open a fraud case, initiate a wire recall or Reg E claim if applicable, and email me written confirmation of the case number today." That single sentence triggers the right internal workflow at every major US bank and creates the written record you'll need if you later have to escalate to the CFPB or your state attorney general.

GACS does not call banks for you and does not offer recovery — every legitimate recovery path runs through the bank, the FBI's IC3, and a licensed attorney you find independently. Anyone reaching out after you file is almost certainly a recovery scammer.

Reviewed Jun 28, 2026 by the GACS Research Team.
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US banks · 24/7 fraud lines · Verified URLs

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.

Quick answer

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.

Check the wallet, link, or number first Lock down accounts & credit

Step-by-step check

  1. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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.

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