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Steps to take if you experience fraud or a scam

It’s a team effort to help prevent scams, fraud and identity theft. If you’re affected by fraud or scams, take the right steps now so you can move forward.

If you believe your account and personal information, such as your name, address, date of birth or Social Security number, may have been compromised, consider taking the following actions to help you move forward.

  1. Contact your financial institutions and digital payment providers through a verified number off the back of a card or statement.
    • Speak with their fraud departments and tell them your identity may have been compromised and/or you may have been the victim of a scam.
    • At Bank of America, most claims can be tracked through Mobile and Online Banking. Some eligibility may vary. Business account claims aren't viewable.
      1. Log in to the app and go to your Inbox.
      2. Select your claim in Status Tracker to view details. Go to View More Details if you have messages or action items.
  2. Check your credit report for accounts you don't recognize:
  3. Contact credit reporting agencies to place a fraud alert on your file (you may need to renew this annually) or freeze your credit to help prevent unauthorized accounts from being opened using your information (you'll need to remove the freeze when applying for a new account and can lift it temporarily or permanently):
  4. Change your login information and passwords to help better protect your accounts.
  5. Add a second layer of authentication to your accounts and turn on push alerts.
  6. File a report with your local law enforcement and the Internet Crime Complaint Center (IC3).
  7. Check out other resources:

 

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