Immediately contact the creditor associated with the fraudulent activity both by telephone and then with a follow-up letter expressly stating the problem.
Once you report the loss of the credit or debit card, you can't be held responsible for any additional unauthorized charges.
Fraudulent Charges on your Monthly Statements: If you believe there are fraudulent or erroneous charges on your existing credit account, contact your creditor immediately. Federal regulations require credit card companies to remove disputed items from your bill in order to investigate. It is important to note, however, that all disputes must be put in writing.
Password Accounts: If you have closed a credit card account due to fraud and have opened a new account - insist on password-only accounts.
Immediately call the fraud help lines of each of the three major credit bureaus to inform them of the situation. Be sure to tell the credit bureaus to flag your file with a fraud alert including a statement that creditors should call you for permission before opening any new accounts in your name.
Trans Union Fraud Victim Assistance Department
Experian Consumer Fraud Assistance
Equifax Consumer Fraud Division
Under federal law, victims of fraud are entitled to receive a free copy of their credit reports. It is advisable that you exercise this right immediately.
Inquire into the credit bureau's procedures for having a statement attached to fraudulent information in your file so that future potential creditors are aware of this.
Place a security freeze on your file to prevent further damage to your credit history.
Report any fraudulent activity to the appropriate police and sheriff departments with jurisdiction in your area. Be sure to keep a copy of the police report because financial institutions often require verification that there was a purported crime before they will continue an investigation.
The Federal Trade Commission offers assistance to identity theft victims at (877) IDTHEFT or http://www.consumer.ftc.gov/features/feature-0014-identity-theft.
If you believe any of your checks have been stolen or fraudulently used, immediately notify your bank. Have them put "stop-payment-orders" on your checks and consider closing out all existing bank accounts and then opening new accounts with new account numbers.
Also, report stolen or fraudulent use of checks to:
Telecheck: (800) 710-9898
Social Security Number
If you believe someone has used your Social Security Number to get a job, contact the Social Security Administration at (800) 772-1213 to confirm all reported earnings information. To report fraudulent use of a social security number, call (800) 269-0271.
U.S. Postal Service
For complaints about products or information received through the U.S. Postal Service, or if you believe your mail has been stolen or someone has submitted a fraudulent change-of-address form, write to:
OFFICE OF THE ATTORNEY GENERAL