Montana Credit Cardholder's Report of Lost or Stolen Credit Card
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How to fill out Credit Cardholder's Report Of Lost Or Stolen Credit Card?
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FAQ
What to Do If Credit Card Theft Happens to You. In the event that your credit card is stolen in the United States, federal law limits the liability of cardholders to $50, regardless of the amount charged on the card by the unauthorized user.
Also, if an unauthorized charge to your ATM is reported to your bank statement, you are liable for the full amount unless you report the charge within 60 days of the date the statement is sent to you. In other words, report the loss/theft of your ATM card immediately.
The good news is, credit card companies are usually quick to reimburse you for fraudulent charges, and Rathner reassures you should get the money credited back to your account within days of reporting it. And if you've sent away for a new card, you can expect to get it in the mail within a few days.
If a thief takes your customer's credit card and charges $10,000 over a three-month period, your customer is responsible for $50, and you must pick up the rest of the tab. However, if the customer reports the credit card as lost or stolen before charges occur, you (the card issuer) are responsible for all the losses.
Contact your credit card issuer When you speak to a representative, tell them that your account was compromised and list the fraudulent transactions. The bank will cancel the card (this doesn't mean your account is closed) and mail you a new card with a new account number, expiration date and security code.
If you suspect credit card fraud, you should contact your credit card issuer immediately to report it. The issuer will then begin a fraud investigation where they will collect any necessary information to make their assessment. If fraud is suspected, the card will be locked so that no one else can use it.
If you report the loss of a debit card within two business days after you realize it's missing, you won't be responsible for more than $50 for unauthorized use. If you wait more than two business days, you could lose up to $500.
The FCBA limits the liability to $50, regardless of the total amount charged by an unauthorized user. Disputed charges must be reported within 60 days of the statement date, and the credit card company has 90 days from the day they receive the notice to act.
