How To Report Bank Fraud

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Bank fraud takes many forms, from Nigerian letter schemes to paying you with a forged check to hacking a computing system to steal your checking account or open-end credit information. Criminals are constantly trying to find new ways to trick you out of your hard-earned money, and once the transaction has ended it are often difficult to catch the perpetrator. Whether you’re a victim of fraud or your open-end credit information was hacked, if your checking account is compromised you want to act fast to report the fraud and minimize your losses.

Table of Contents

Report Banking Scams

The proper organization to report a banking scam to depends on which sort of scam you were a victim of.

  • Report fake checks you receive by mail to the U.S. Postal Inspection Service.
  • Report counterfeit checks to the Federal Trade Commission, either online, or by phone at 1-877-382-4357.
  • Contact your bank to report and stop unauthorized automatic withdrawals from your account.
  • Forward phishing emails to the Anti-Phishing working party at reportphishing@apwg.org. If you bought a phishing text message, forward it to SPAM (7726).
  • Report any phishing attacks to the FTC at ftc.gov/complaint.

Reporting to Your Bank

Gather all the knowledge you’ll about the transaction. Before you contact your bank, gather any documents or other information you’ve got, so your bank can act quickly to assist you minimize your losses.

At a minimum, confirm you’ve got your checking account number and open-end credit number handy. If you think that your information was stolen as a part of a knowledge breach at a retailer, it’s going to be enough to easily tell your bank that you simply shopped at that location during the dates of the breach and your account could also be compromised.

Reporting to enforcement

Find the contact information for your local department. Your local department features a non-emergency number you’ll call to file a report, and a few have dedicated hotlines for reporting financial fraud.

  • You’ll always walk into your local precinct and file a report face to face. Additionally, some police departments have online forms you’ll fill out and undergo to report financial fraud.
  • Contact information for local enforcement agencies nationwide is out there at http://www.usacops.com.

Submitting a Complaint to the buyer Financial Protection Bureau

Visit the CFPB website. The CFPB has information on federal law regulating financial institutions, and allows you to file a complaint if you’ve got a drag with the way your bank handled your situation.

  • Additionally, to helping you resolve your specific complaint, the CFPB also compiles a database of complaint information for public consumption. The complaint information included within the database doesn’t include any of your personal information.
  • Complaint information is also shared with federal and state enforcement agencies.

Reporting to the Federal Trade Commission

  • Submit your complaint to the FTC. Your complaint are going to be added to a nationwide database available to federal, state, and native enforcement agencies that investigate and prosecute fraud.
How To Report Bank Fraud

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