Get your life back on track—report fraud fast.

If you suspect you’re a victim of fraud, take these immediate steps.

Report a new claim to us.

Our fraud specialists will work with you to resolve any issues that may affect your Truist accounts.


Call us:

To expedite your call, please have the following information available:

  • Your account number and/or debit card number
  • Date and amount of suspected fraudulent transaction
  • Pen and paper to record your case number

For suspicious Truist emails (phishing), texts (SMiShing), calls (vishing), or other scams:

  • Ignore calls or unexpected messages asking for password, PIN, or other confidential information.
  • If you have any questions about the legitimacy of a message, call our fraud specialists at the number above or on the back of your card.
  • If you receive a suspicious email or text claiming to be Truist, don’t respond or click any links. Forward them to emailabuse@truist.com and delete it. 

If your bank account or debit/credit card is compromised:

  • Review your account history and recent transactions.

    Check for any suspicious activity.

  • Contact the issuing bank or card issuer.

    Cancel your card, place stop payment on checks, freeze accounts that have been compromised, and open new replacement accounts. 

  • Report a lost or stolen Truist credit card.

    Call us at  844-4TRUIST (844-487-8478).

  • Be prepared to identify which transactions are fraudulent.

    Once a claim is started and the transaction is disputed, an investigation will be opened, and a provisional credit will be applied to your account within ten (10) days of reporting the fraud. The provisional credit will be made permanent at the end of the investigation, if fraud is confirmed.

    • You can also lock your credit or debit card

      to put a hold on spending without canceling the card. Locking prevents all new or unauthorized credit card transactions, while allowing any automatic, recurring, or authorized-user transactions to continue posting. Primary and secondary cardholders can lock or unlock their Truist credit card through online or mobile banking, or by calling us.

    • Update your card or bank account information as needed.

      Remember to update your card or account information on applicable automatic payments or bill pay items.

Important note: If you have recently filed a fraud claim with Truist and have not transitioned to a new account then we ask that you contact Truist to close your current account and open a new replacement account as soon as possible by visiting a branch or calling us. To replace a business account, visit one of our branches. Please review your existing account in advance and identify any recurring automated transactions we will need to honor. We will need this information when we open the replacement account.

If you are a victim of identity theft or your credit is compromised:

  • Alert the credit bureaus.

    Contact all of the major credit bureaus’ fraud
    department. Be sure you have a fraud alert put on your account (it’s free).

  • Report identity theft to the Federal Trade Commission (FTC).

    Fill out their online complaint form, or call 877-ID-THEFT (877-438-4338).

  • File a report with your local police department.

    Take a copy of your FTC Identity Theft Affidavit, a photo ID, proof of address, and any evidence you have of the theft with you.

  • Freeze your credit.

    Consider placing a credit freeze on your profile. A credit freeze makes it harder for someone to obtain new accounts in your name. Be aware, however, that you will need to lift the freeze on your credit file should you want to open a new deposit account or if you seek any type of loan (including credit cards). Each of the three credit bureaus offers a way for you to place and lift credit freezes online.

  • Get a copy of your credit report.

    Visit annualcreditreport.com, or call 877-322-8228.

  • Enroll in credit monitoring.

    Monitor your credit reports, and check for any new accounts you don’t recognize. The company responsible for exposing your information may offer free credit monitoring for which you can enroll.
  • For a step-by-step guide on how to handle specific identity theft scenarios like tax-related identity theft, misused Social Security Number, medical identity theft, etc., visit identitytheft.gov.

If your online identity is compromised:

Change the logins, passwords and PINs for all of your accounts.

To change your Truist user ID and password:

  1. Log onto Truist Online Banking through the Truist app or Truist.com.
  2. Select My Settings in online banking or Settings in mobile app.
  3. If you are unable to sign in, call 844-4TRUIST (844-487-8478)

If someone opened a Truist account in your name:

If you need to report an unauthorized account opened at Truist using your personal information, call 844-4TRUIST (844-487-8478)

Questions about reporting a fraud claim?

Here are the ones we get asked most often.

Component ID : "faq-577052252"
Model : "faq"
Position : "left"

At this time, we're unable to open a claim on pending transactions. Claims can only be filed on posted transactions.

A case resolution is decided after research and investigation has been completed. In the event that you don't agree with the resolution, please contact our claims department to request a second review:

For your protection, we will follow Visa and Mastercard guidelines regarding the blocking of cards to avoid additional fraudulent charges.

We’ll only share information on a claim with authorized signers on the account associated with the claim. We're unable to share any claim details with anyone not listed as a signer on the account.

Once a resolution has been reached, a letter will be mailed to your address on file with the details surrounding the resolution.

Any transactions that obtained an authorization prior to the block will still process and post to the account, even after the card shows in a blocked status. Once the card is blocked, no additional transactions should be authorized.

Any signer on the account can file a claim.

If your account has been compromised or if you suspect that your account has been compromised, you should visit a local branch to have your accounts closed and set up a new account.

When filing a claim, any fees associated with the unauthorized transaction(s) will automatically be considered when the claim is processed. Keep in mind, an "Expedite Card Delivery Fee" for a replacement card is not a fee that's considered as part of the unauthorized transaction.

There are multiple ways account and card information can be compromised, which can make it difficult to determine who's responsible for the fraudulent activity on any account.

When filing a claim, include all posted transactions that weren't authorized by any signer on the account. This includes fees associated with these transactions.

A claim agent will contact you in the event additional information is required when reviewing the claim. However, you are welcome to contact the Truist Enterprise Fraud Management team to inquire on the status of your claim at any time by dialing: 1-866-802-4955.

The claim process varies depending on the type of claim filed.

Component ID : "accordionGridLayout-464338858"
Model : "disclaimer"
Position : "left"

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2024, Truist. All Rights Reserved.