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I lost my wallet, or my identity was stolen

FirstCall your bank or card company now, or lock the card in its app.

Call your bank first. The faster you report a card, the less you can lose.

  1. Report each card lost to the bank or credit union that issued it, by phone or the app. You're not responsible for charges made after you report it. Source: FTC1
  2. Follow up in writing: your account number, when you noticed the card was missing, and when you reported it. Keep a copy. Source: FTC1
  3. Replace your ID. For a driver's license or state ID, contact your state motor vehicle agency. Replace a Social Security card through the SSA. Source: USA.gov2
  4. Think your Social Security number is out there? Freeze your credit at all three bureaus. It's free. Source: FTC3
  5. If someone uses your information, report it and get a recovery plan at IdentityTheft.gov. Source: FTC1
Debit cards. Debit cards have weaker protection. Report within 2 business days of noticing, and your loss is capped at $50. Wait longer and it can be $500 or more. Source: FTC1

When things calm down: Freezing your credit

Sources

  1. Federal Trade Commission Lost or stolen credit, ATM and debit cards
  2. USA.gov How to replace lost or stolen ID cards
  3. Federal Trade Commission Credit freezes and fraud alerts
  4. Federal Trade Commission IdentityTheft.gov

Last checked October 2, 2026 against the sources listed.

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