What To Do If You’ve Lost or Had Your US Bank Credit Card Stolen

  • 3 min read

Securing your financial information is something that US Bank takes very seriously. All customers are encouraged to contact the lending institution even if there is just a faint suspicion of fraudulent activity. Although a vast majority of charges that are unfamiliar are just forgotten about, but approved charges, it is always better to err on the side of caution.

Here’s how you can do that if you are a US Bank customer.

Contact US Bank Immediately

#1. Report your stolen or lost credit card from US Bank as soon as possible. You can do this by contacting the US Bank Fraud Liaison Center. The toll free number to do so is 1 (877) 595-6256. If you have lost your wallet or purse, make sure to contact the other lending or banking institutions within 24 hours as well. Most agencies have 24/7 customer support.

Debit Cards Count Too

#2. If you have lost your debit card or access to your account through other means, you should still contact US Bank. The toll free number for stolen or lost debit cards is the same as it is with credit cards. You will need to specify which accounts need to be stopped. Unlike other agencies, however, the same service representative can help you with debit and credit cards at the same time that may have been stolen or lost.

Contact Credit Companies

#3. Once you have had US Bank close your account and issue you a new card, you need to contact the credit companies. This will require all future lenders to require positive identification for any credit activities for the next 90 days. You only need to contact one company. The other credit report companies will also place fraud reports onto your credit report once one of them does.

Dispute Charges

#4. You may find that there are charges on your US Bank credit card that are not made by you. Dispute these charges immediately by contacting customer support. You may also find that these charges have made their way to your credit report. You will want to dispute these charges with the credit agencies directly just as you are with US Bank to make sure your credit profile stays intact. Do so immediately after you’ve closed or blocked each account that may be threatened.

Prepare To Be Patient

#5. Although you’ll get a new credit card from US Bank in about a week, it can take longer to completely resolve the problem of a stolen or lost credit card. Every dispute is investigated and this can take some time. It is not uncommon for credit report disputes to take at least 1 month to resolve. Be patient with the process and it will work out for you. If it has been more than 1 month and you have received no follow-up, however, it is entirely appropriate to contact US Bank or the credit reporting agency for an update.

Christopher - BSc, MBA

With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.