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- Lost or Stolen: Credit and ATM Cards
- Increasingly, people find it convenient to shop with
credit cards
- or to bank at automated teller machines (ATMs) with ATM
cards.
- But the ease with which these cards can be used also makes
them
- very attractive to thieves.
- Loss or theft of credit and ATM cards is a serious
consumer
- problem. However, two federal laws, the Fair Credit
Billing Act
- (FCBA) and the Electronic Fund Transfer Act (EFTA),
establish
- procedures for you and your creditors to follow to resolve
- problems with credit cards and electronic fund transfer
accounts.
- This brochure explains what to do if any of your cards are
- missing or stolen, suggests how to protect your cards, and
- explains what you can expect from a credit card
registration or
- protection service.
- Limiting Your Financial Loss
- There are at least two good financial reasons for you to
report
- the loss or theft of your credit and ATM cards quickly.
First,
- the sooner you report the loss, the more likely you will
limit
- your liability if someone uses your card without your
permission.
- Most card fraud occurs within the first 48 hours after a
card is
- stolen.
- Second, the sooner you report any loss, the more card
costs in
- general can be kept down. You pay higher interest rates
and
- annual fees because card fraud costs issuers hundreds of
millions
- of dollars each year.
- If any of your cards are missing or stolen, report the
loss as
- soon as possible to your card issuers. Some companies have
- toll-free or WATS numbers printed on their statements and
24-hour
- service to accept such emergency information. For your own
- protection, you should follow up your phone calls with a
letter
- to each card issuer. The letter should give your card
number, say
- when your card was missing, and mention the date you
called in
- the loss.
- You may wish to check your homeowner's insurance policy to
see if
- it covers your liability for card thefts. If not, some
insurance
- companies will allow you to change your current policy to
include
- protection for card losses.
- l Credit Card Loss. If you report the loss before these
cards
- are used, the FCBA says the card issuer cannot hold you
- responsible for any unauthorized charges. If a thief uses
your
- cards before you report them missing, the most you will
owe for
- unauthorized charges on each card is $50. This is true
even if a
- thief is able to use your credit card at an ATM machine to
access
- your credit card account.
- However, it is not enough simply to report your credit
card loss.
- After the card loss, review your billing statements
carefully. If
- your statements show any charges not made by you, send a
letter
- to the card issuer describing each questionable charge on
your
- account. Again, tell the card issuer the date your card
was lost
- or stolen and when you reported it to them. Be sure to
send the
- letter to the address provided for billing errors. Do not
send it
- with a payment or to the address where you send your
payments
- unless you are directed to do so.
- l ATM Card Loss. If you report an ATM card missing before
it
- is used without your permission, the EFTA says the card
issuer
- cannot hold you responsible for any unauthorized
withdrawals. If
- unauthorized use occurs before you report it, the amount
you can
- be held responsible for depends upon how quickly you
report the
- loss to the card issuer. For example, if you report the
loss
- within two business days after you realize your card is
missing,
- you will not be responsible for more than $50 for
unauthorized
- use.
- However, you could lose as much as $500 because of an
- unauthorized withdrawal from your bank account if you do
not tell
- the card issuer within the two business days after you
discover
- the loss. And, you risk unlimited loss if, within 60 days
after
- your bank statement is mailed to you, you do not report an
- unauthorized transfer or withdrawal. That means you could
lose
- all the money in your bank account and the unused portion
of your
- maximum line of credit established for overdrafts.
- If any unauthorized transactions appear on your bank
statement,
- report them to the card issuer as soon as you can. As with
a
- credit card, once you have reported the loss of your ATM
card you
- cannot be held liable for additional amounts, even if more
- unauthorized transactions are made.
- Protecting Your Cards
- The best protections against card fraud, of course, are to
know
- where your cards are at all times and to keep them secure.
For
- ATM card protection, it is important to keep your Personal
- Identification Number (PIN) a secret. Memorize this
number.
- Statistics show that in one-third of ATM card frauds,
cardholders
- wrote their PINS on their ATM cards or on slips of paper
they
- kept with their cards.
- The following suggestions may help you protect your credit
and
- ATM card accounts.
- For credit cards:
- l Be cautious about disclosing your account number over
the
- phone unless you know you are dealing with a reputable
company.
- l Never put your account number on the outside of an
envelope
- or on a postcard.
- l Draw a line through blank spaces on charge slips above
the
- total so the amount cannot be changed.
- l Do not sign a blank charge slip unless absolutely
necessary.
- l Rip up carbons from the charge slip and save your
receipts
- to check against your monthly billing statements.
- l Open billing statements promptly and compare them with
your
- receipts. If there are any mistakes or differences, report
them
- as soon as possible to the special address listed on the
billing
- statement for "billing inquiries." Under the
FCBA, the card
- issuer must investigate billing errors if you report them
within
- 60 days of the date your card issuer mailed you the
statement.
- l Keep in a safe place (away from where you keep your
cards) a
- record of your card numbers, expiration dates, and the
telephone
- numbers of each credit-card company for the emergency of
- reporting losses.
- l Carry only those cards that you regularly need,
especially
- when traveling.
-
- For ATM cards:
- l Select a PIN (personal identification number) that is
- different from other numbers noted in your wallet, such as
your
- address, birthdate, phone, or social security number.
- l Memorize your PIN.
- l Do not write your PIN on your ATM card or carry your PIN
in
- your wallet or purse.
- l Never put your PIN on the outside of a deposit slip, an
- envelope, or on a postcard.
- l Examine all ATM receipts and bank statements as soon as
- possible.
- Buying a Card Registration Service
- Many companies offer card registration and protection
services
- that will notify all companies where you have credit and
ATM card
- accounts in case your card is lost or stolen. With this
service,
- you need make only one phone call to report all card
losses
- instead of calling each card issuer individually. Also,
most
- services will request replacement cards on your behalf.
- Registration services usually cost $10 to $35 yearly.
- Purchasing a card registration may be a convenience to
you, but
- it is not required by card issuers. The FCBA and the EFTA
give
- you the right to contact credit card companies and ATM
card
- issuers directly in the event of loss or suspected
unauthorized
- use.
- If you do decide to buy a registration service, compare
offers
- and look for one that will best suit your needs. Read the
service
- contract carefully to check the company's obligations and
your
- liability. For example, will the company reimburse you if
it
- fails to notify charge card loss promptly after you report
the
- loss? If not, you could be liable for unauthorized
charges.
- For More Information
- For additional information about credit or ATM card fraud
or
- credit card billing problems, send for: Credit and Charge
Card
- Fraud; Fair Credit Billing; or Credit Billing Blues. These
- brochures are available free. Write to: Public Reference,
- Federal Trade Commission, Washington, D.C. 20580.
- The following federal agencies are responsible for
enforcing
- federal laws that govern credit and ATM card transactions.
- Questions concerning a particular card issuer should be
directed
- to the enforcement agency responsible for that issuer.
- State Member Banks of the Federal Reserve System
- Consumer and Community Affairs
- Board of Governors of the Federal Reserve System
- 20th & C Sts., N.W.
- Washington, D.C. 20551
- National Banks
- Comptroller of the Currency
- Compliance Management
- Mail Stop 7-5
- Washington, D.C. 20219
- Federal Credit Unions
- National Credit Union Administration
- 1776 G St., N.W.
- Washington, D.C. 20456
- Non-Member Federally Insured Banks
- Office of Consumer Programs
- Federal Deposit Insurance Corporation
- 550 Seventeenth St., N.W.
- Washington, D.C. 20429
- Federally Insured Savings and Loans, and Federally
Chartered
- State Banks
- Consumer Affairs Program
- Office of Thrift Supervision
- 1700 G St., N.W.
- Washington, D.C. 20552
- Other Credit Card Issuers
- (includes retail/gasoline companies)
- Division of Credit Practices
- Bureau of Consumer Protection
- Federal Trade Commission
- Washington, D.C. 20580
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