Recommended Actions if You've Become a Victim of a Phishing Scam More information is available on the Additional Actions page.
If You Have Given Out Your Credit, Debit or ATM Information
Report the incident to the card issuer as quickly as possible.
Report using toll-free numbers and 24-hour customer service that many companies have
established to deal with such emergencies.
Request your card issuer close your compromised account number and reissue
you a new card with a different number.
Monitor your account activity and review account statements carefully after
the information loss.
If any unauthorized charges appear, call the card issuer immediately and
follow up with a hard copy letter via a traditional delivery service such as the
U.S. Postal Service (keep a copy for yourself) describing each questionable
Credit Card Loss or Fraudulent Charges
maximum liability under federal law for unauthorized use of your credit card is
generally $50. However, that $50 potential liability may not apply for
unauthorized telephone and Internet transactions because there is "no means to
identify the cardholder" in those cases.
ATM or Debit Card Loss or Fraudulent Transfers
Your liability under federal law for unauthorized use of your ATM or debit
card depends on how quickly you report the loss.
You risk unlimited loss if you fail to report an unauthorized transfer
within 60 days after your bank statement containing unauthorized use is mailed
to you for transactions made after that 60-day period.
If You Have Given Out Your Bank Account Information
Report the theft of this information to the bank as quickly as possible.
Request your bank close the compromised account and re-open a like account
with a different number.
If You Have Downloaded a Virus or "Trojan
Some phishing attacks use viruses and/or "Trojan Horses" to
install programs called "key loggers" on your computer. These programs capture
and send out any information that you type to the phisher, including credit card
numbers, user names and passwords, Social Security numbers, etc. If this
happens, it's likely you may not be aware of it until you notice unusual
transactions on your account.
To minimize this risk, you should:
Install and/or update anti-virus and personal firewall software.
Update all virus definitions and run a full scan.
If your system appears to have been compromised, repair it and then change
your password again, since you may well have transmitted the new one to the
Check your other accounts! The fraudsters may have helped themselves to many
different accounts: eBay account, PayPal, your e-mail ISP, online bank accounts,
online trading accounts and other e-commerce accounts, and everything else for
which you use online passwords.
If You Have Given Out Your Personal Identification
If you believe you have given out personal information
such as your name, address, and Social Security number to someone who may use it
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