bank of america card fraud department

Nevada Department of Employment, Training and Rehabilitation (DETR) has changed prepaid debit card providers, from Bank of America to the Way2Go Card®. Always contact us using a trusted number on the back of your card or wellsfargo.com. Learn about bank imposter scams. Make sure that your contact. Forward any suspicious email or text message to us at abuse@bankofamerica.com (please note that we will only reply to your message if we require additional.

Freephone Emergency Numbers

Lost or stolen card?

As soon as you believe your card has been lost or stolen, please get in touch. We’ll cancel your card as soon as you tell us it’s missing and get a new card issued to your address (the one we have on file for you) in 5 to 7 working days.

Security Device Lost or stolen?

If your security device is lost or stolen you should contact us on the numbers below. Your security device is any smartphone or bank of america card fraud department you have installed the NEW Bank of Ireland App on and completed registration of that device.

Fraud, suspicious activity or unauthorised transactions?

Want to report online fraud, suspicious activity or unauthorised transactions on your account? Did you share your banking details after getting an email, text or call that now seems suspicious? Please tell us about any transactions you did not authorise as soon as possible using our numbers below.

*Note: If you wish to report an incorrectly executed transaction you can use the Freephone numbers below Mon-Fri, 9am-5pm. Alternatively you can call the following helpdesks during their opening hours Mon-Fri; 365 (9am-5pm), Business On-Line (9am-5pm) & Global Markets (9am-5pm).

Login credentials?

Have you shared your login credentials (User ID, password, date of birth, contact number etc) after getting a suspicious email, text or call? Let us know right away using the number below.

Numbers to call

Republic of Ireland

Freephone: 1800 946 764

Available 24 hours 7 days a week

Great Britain & Northern Ireland

Freephone: 0800 121 7790 (for 365 online & Credit Card customers)

Available 24 hours 7 days a week

Great Britain & Northern Ireland

Freephone: 08000 321 288 (for BOL & Global Market customers)

Available 24 hours 7 days a week

Everywhere outside Republic of Ireland, Great Britain & Northern Ireland

Not Freephone: +353 56775 7007

Available 24 hours 7 days a week

Источник: https://www.bankofireland.com/help-centre/emergency-contacts/

How do I get my money back after I discovered an unauthorized transaction or money missing from my bank account?

Tip

Report your lost or stolen card or PIN within two business days of when you discover it is missing so you limit your losses to $50 or less, no matter how much is charged to your card.

If someone steals the security code or PIN to your debit card or bank account, you should follow the same steps as you would if someone stole your card 

You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen. Although the protections for unauthorized transactions still apply, you will still have to go through the process of recovering your funds.

If you didn’t lose your card or PIN

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should still notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, bank of america card fraud department could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. In order to hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

In extenuating circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.

What does the bank have to do once I report it? Can I get my money back?

Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.

If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.

In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.

The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.

Источник: https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discovered-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/

Merchant Compromise: What you need to know (and do)

Your security is our top priority

Your security is our top priority

A merchant compromise is an organized theft of ATM, debit card or credit card information

When a merchant compromise happens, Bank of America receives information from multiple outside sources such as Visa®, MasterCard®, American Express® or law enforcement agencies. Due to the sensitivity of information, we are unable to provide the name of the merchant or where the compromise has occurred.

How we protect you

  • Our award-winning cybersecurity team delivers comprehensive security 24/7
  • We continuously monitor your transactions for suspicious activity
  • We alert you to potential fraud through the mobile app, text alerts, email or phone
  • We embrace responsible information collection, processing and privacy policies
  • We develop resources (like our fraud checklist), that empowers you to help protect yourself against fraud and scams

What you need to know

  • If there’s a merchant compromise potentially impacting your account, we may issue a new card to you if your account information has been compromised
  • Activate your new card by following the instructions on the card’s sticker
  • Destroy your old card (you can keep your current PIN when you use your new card)
  • Be sure to update any card information associated with recurring payments, stores or services and in your digital wallet
  • Suspect a charge on your account is fraud? Tap the Erica icon on the mobile app and type or say, "dispute transaction"

For your peace of mind

Is it safe to use my new card?

Yes. We're replacing your card as a safety measure to help ensure that your account information is protected. The new card has a new account number. Please activate your new card and continue to use it as you normally would.

What if I think my credit, debit or ATM card is being fraudulently used?

Review your recent transactions and ensure they are all yours. Sometimes a single unauthorized charge may be an error and can be resolved quickly by contacting the merchant. If you see transactions you don’t recognize, call the number on the back of your card immediately to report it.

  • 800-793-5755 (credit cards)
  • 800-841-1980 (small business credit cards)
  • 866-700-3016 (ATM & debit cards)

What are the impacts to my Online Banking experiences?

When you’re notified that a new credit card is on the way, your new credit card account information may be unavailable for up to one business day. Once the transition from the old account number to the new account number is completed, all functionalities will be available on your new card. The last four digits of your account will change to the last four digits of the new account. The online version of your statement will show the new account number.

Источник: https://www.bankofamerica.com/security-center/understand-merchant-compromise/

How to Dispute a Charge and Check the Status of Your Claim

Before initiating a claim

Consider calling the merchant first, as they may resolve your claim faster (we may also require information from the merchant to process a claim, so contacting them directly may bank of america card fraud department you time).

Only posted transactions can be disputed (pending charges are temporary and may change). If you have any immediate concerns about a pending charge, contact the merchant directly.

The merchant's contact information is typically found on your receipt or billing statement.

Timely notification is important

Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. If you did not provide your account information to the merchant in question and suspect that your information was stolen contact privacy & security customer service immediately.

While our online process to dispute a charge is the easiest and fastest way for you to submit a claim, you may also contact us by phone or mail with credit card billing inquiries.

To dispute a charge

Erica can help you with disputing a credit or debit card transaction. Sign in to the mobile app and tap the Erica icon to get started

From the mobile app:

1. Sign in to the app and select the account with the transaction you'd like to dispute.

2. Select the transaction, then tap DISPUTE TRANSACTION and follow the instructions.

From your computer:

1. Sign in to Online Banking and select the account with the transaction you'd like to dispute.

2. Select the transaction, then select the Dispute this transaction link and follow the instructions.

Once your claim has been submitted, you can check the status of your claim in the mobile app or on your computer. Claims will be viewable in our site and app for up to 120 days from the date the claim file is moved from active to closed status.

To check the status of your claim

Most claim statuses can be tracked through Mobile and Online Banking (some eligibility may vary). Business account claims are not viewable.

From the mobile app: Sign in to the app and tap Menu, then select View My Claim in the HELP & SUPPORT section.

From your computer:Sign in to your Online Banking Message Center. Disputes are displayed in the Claims Messages section (the dispute status is listed in the Current Status column). You can view any additional dispute details by selecting the account and claim ID.

You can also set up custom alerts to receive real-time text and alert notifications concerning your claim. To review your alert setting in the mobile app, simply tap the bell icon and select SETTINGS.

Источник: https://www.bankofamerica.com/help/how-to-dispute-a-charge/

What to Do If You Spot Fraud on Your Bank of America Credit Card

When I found fraud on my credit card, my first reaction was not the correct one: I panicked. I was stressed and worried, and those emotions stopped me from taking productive action.

I didn’t know what to do and for some reason, I felt a little afraid to contact my credit card company. What if they thought I was lying? I thought.

Looking back, this is clearly irrational. But that’s what happens when you panic! So if you find yourself in this situation, my best advice is to stay calm. Know it’s okay and figuring out what to do doesn’t have to be hard.

If you have a Bank of America credit card and you spot evidence of fraud on your statement, you can follow the steps and tips outlined here. The faster you act and contact the Bank of America fraud department, the faster this issue gets resolved.

Does Your Bank of America Credit Card Protect You Against Fraud?

Telling someone not to panic when they spot crazy charges they didn’t make sounds like a case of easier said than done, right? But here’s why you truly shouldn’t spend your energy worrying.

Federal law limits all cardholders across banks and credit issues to $50. Individual issuers and companies can waive even that, and Bank of America is one bank that does. Their consumer credit cards are covered by the bank’s Total Security Protection service.

That includes a $0 liability guarantee. The bank will reimburse you for any fraudulent credit card transactions. They can credit your account for fraudulent charges made on your card as soon as the next business day in some cases.

So instead of panicking first, contact Bank of America. Know you’re protected, but you need to alert the bank and provide them with as much as you know about the fraudulent activity.

How to Report to the Bank of America Fraud Department

If you spot fraud on your Bank of America credit card, you need to call 1-800-432-1000. You can also log into your online account portal to report fraud if your card was lost or stolen -- but if you do so, follow up with a call.

If you suspect you received an email, phone call, or text that was part of a phishing scam, you can contact abuse@bankofamerica.com.

Make sure to forward the suspicious message to that email address when you contact the bank. For texts and phone calls, describe the incident in as much detail as possible so the Bank of America fraud department has all the information available to investigate further. Be prepared to scan, fax, or mail other supporting documentation like bills from services you didn’t sign up for and your credit card statement itself.

You need to report any and all fraudulent activity that you find or even suspect. If you don’t make the report, fraud protection won’t cover you. You could be liable for the charges you didn’t authorize.

This is one big reason it’s better to be overly cautious rather than brush it off as no big deal. And it’s also why you should always check your statements carefully each month! Go through the document and look at every single transaction. If Bank of America doesn’t receive your report, they can’t protect you or your credit card against fraud.

You need to take one additional step if the fraud was caused by identity theft: contact law enforcement and file a police report.

What Happens Next?

Once you contact Bank of America, they can start processing and investigating your report. During this process, they’ll first verify whether or not you were a victim of fraud (and explain what happened if they determine you were not). Make sure to record any case numbers they provide you -- you’ll need this when you call back to follow up on your report.

They’ll then remove fraudulent charges and credit your account so you’re not liable for making payments on those amounts. Bank of America may close your account or simply cancel the affected credit card in order to prevent continued unauthorized transactions.

After the old, affected account and card is either closed or canceled, the bank will provide you with a new account and card number. They’ll also expedite a new card to you so you can get back to normal with your financial life as soon as possible.

Once you receive your new card, make sure to update your existing information across accounts, subscriptions, and services. You need to put in your new card number so payments will continue to process without issue.

Update anything you have set to auto-pay and look into subscription services like Netflix to make sure the payment information reflects your new credit card’s info. You’ll also want to update any site or app that stores payment information, too, like Amazon or Uber.

This is all about being safe rather than sorry, so keep an eye on your Bank of America account and statements. You want to ensure they credited your account for the fraudulent charges you aren’t liable for. If you have questions or need information throughout the process, don’t hesitate to call back and reference your unique case number.

Stopping Fraud in the Future

The bank's debit and credit cards come with built-in security features and also extend purchase protection to cardholders. That’s good news for you if you experience fraud on your Bank of America credit card. Even better? It doesn’t cost you anything to take advantage of it.

Security starts with chips embedded into credit cards. These chips make it really difficult for thieves to steal your information from chip-enabled card readers or by using skimmers.

Bank of America also provides fraud monitoring, which means they keep an eye on your account at all times. They look for patterns in your normal spending and alert you when something unusual occurs.

You can also set up your own account alerts to monitor activity (instead of just checking statements on a monthly basis). Log into your online banking portal and navigate to “Alerts” tab. From there, you can customize what alerts you receive and how you get them.

They also provide resources on their site that can help you better understand how to prevent fraud and what steps to take if it happens to you. This includes their lost or stolen wallet chase visa credit card rental car insurance, tips on how to implement smart Internet security measures, and best practices for general credit card safety.

Talk to Credit Bureaus, Too

It’s critical that you report fraud to Bank of America immediately to avoid being charged for transactions you didn’t make. Once you do so, you can take the process a step further by reaching out to the 3 credit bureaus, as well.

First, request a copy of your credit report. Once you receive it, check it for evidence of fraud on other accounts you own. Then, consider asking the bureau to place fraud alerts on your report.

This message requests that creditors get in touch with you via the contact information you provide before they open any accounts in your name. Here’s where to call each of the 3 bureaus:

U.S. Credit Bureaus Contact Info

Credit BureauPhone numberMailing Address
Equifax1-800-525-6285Equifax Fraud Assistance, P.O. Box 105069, Atlanta, GA 30348
Experian1-888-397-3742Experian, P.O. Box 949, Allen, TX 75013
TransUnion1-800-680-7289Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834

And if you have accounts or cards with other financial institutions, Bank of America suggests contacting those companies. They can help protect you by checking your accounts for fraud, updating passwords, and canceling anything that’s affected.

What You Can Do on Your Own

You don’t need to rely solely on any bank or card issuer to help prevent fraud. There’s a lot that you can do yourself to stop this from happening to you again.

The most obvious steps are to keep both your physical card and your personal information safe. Don’t let other people use your card or take it out of your sight when you make transactions. Avoid giving out your data (including your card number) on the phone if you don’t verify the caller. And never provide that information via email.

Keeping personal info safe also means keeping paperwork, documents, and receipts safe. Even when you go to throw them away, make sure you shred these papers so thieves can’t use information in your trash to commit fraud.

Protect your digital info with the same care — don’t give out passwords or make them obvious. (If your password is “password,” please change it now.) Update your passwords every six months and don’t use the same one for all your accounts.

And as outlined above, report any activity you think is suspicious. It may feel like overkill, but it’s better to be cautious than careless when it comes to fraud. No one will fault you for working to prevent fraudulent activity, but it’s a headache for everyone to sort out once it happens.

Using your common sense and good judgment goes a long way in keeping your credit safe. Simply staying aware and choosing caution over shrugging and saying, “it’ll be fine” can help prevent your Bank of America credit card from racking up fraudulent charges in the future.

Continue Reading

Источник: https://www.mybanktracker.com

How to report and protect yourself from credit card fraud

Just as the COVID-19 pandemic has prompted many consumers to do more of their shopping online, many shysters have switched to committing online credit card fraud.

“Fraudsters adjust to the temporary new normal,” says Eva Velasquez, president and CEO of the nonprofit Identity Theft Resource Center.

The two most common types of credit card fraud are account takeover fraud, which involves fraudsters using your credit card number to purchase items, and new account fraud, in which they open new accounts in your name, says John Breyault, vice president of public policy, telecommunications and fraud at the National Consumers League.

Account takeover fraud is “by far more prevalent,” Breyault says, because it’s easier to perpetrate.

See related: Common identity theft techniques

How do thieves commit credit card fraud?

Bad guys can buy lists of credit card numbers on the dark web. The information may include card numbers, expiration dates and security codes.

A study by the cybersecurity research firm Privacy Affairs found in October 2020 that account details for a credit card with a balance of up to $1,000 sold for $12 on the dark web, while a card with a balance of up to $5,000 sold for $20.

Fraudsters will buy up thousands of credit card numbers and then open up Netflix and other similar accounts to test if the credit card information they received works, says Tina Eide, senior vice president of global fraud and credit bust out risk management for American Express.

If the small transaction goes through, they’ll then use the card to purchase bigger-ticket items, Eide says.

With new account fraud, the crooks will open up new credit card accounts in your name and ring up purchases, often using information obtained in data breaches and sold on the dark web, Eide says.

See related: What to do if your personal information lands on the dark web

How credit card fraudsters obtain your information

Along with obtaining your information through data breaches, fraudsters can target you in various ways.

One common way is skimming, in which they attach a device to a gas pump, bank ATM or in-store payment processing machine in order to steal your credit card information, says Kevin Roundy, technical director at NortonLifeLock Research Labs.

Fraudsters also use phishing, in which they send emails with links or attachments. If you click on them, you might have malware loaded onto your computer, which is used to steal credit card information you type into online forms, Roundy says.

The emails often look like they come from legitimate businesses, including ones with which you’ve done business, “so you’re inclined to pay attention to what it says,” Roundy warns.

They also use “vishing,” or voice phishing, in which callers pretend to be with your financial institution and ask you to provide them with your credit card information in order to “confirm” your identity, Eide says.

Another variation is “smishing,” in which fraudsters send you a text message trying to get you to click on a link and then use it to steal your information, she says.

With the boom in online shopping since the pandemic began, crooks are using package delivery scams, Breyault. You’ll receive a text or email purporting to be from a company such as UPS or Amazon, saying they were unable to deliver your package.

They will ask you to click a link and then try to obtain such information as your credit card number, bank bank of america card fraud department information or Social Security number, he says, then use the information to set up new accounts in your name.

How to protect your credit card information online

  • When applying for or using a credit card online, always check for the browser’s “lock” icon, but understand that this only signifies a secure communication channel, not necessarily the legitimate website of your card issuer.
  • Maintain active, up-to-date antivirus and spyware protection software.
  • Keep your operating system and browser updated with the latest security patches.
  • Never share your credit card account password. Use a strong password and avoid writing it down. Change it periodically and don’t use the same password for other accounts.
  • Review your account activity regularly.

How can credit card fraud affect your finances?

If you fall victim to fraudsters, you’ll generally face zero credit card liability.

Under the Truth in Lending Act, your liability for any unauthorized transaction before you report it is $50. But most card issuers will not hold you responsible for unauthorized transactions.

However, “we all pay for credit card fraud whether we’re victims or not,” Breyault says. “The costs still have to be borne by someone.”

Tip: You’re protected against fraudulent charges on both debit and credit cards. But credit card transactions are still safer since fraudsters won’t be able to gain access to the money in your checking account. Plus, certain credit cards come with added perks like purchase protection, which can give you a refund or replacement if an item you purchased was lost or stolen.

That associated bank personal banking mean merchants have to reimburse banks for the charges, the merchants have to pay fees to the bank or consumers pay higher credit card fees, such as for late payments.

“It’s spread out across the entire ecosystem,” Breyault says.

With new account fraud, you are likely to be unaware that a new credit card has been opened in your name.

In that case, the crooks can run up credit card debt, and it can impact your credit report and credit score until you dispute the charges and it has been resolved, Breyault says.

See related: How to dispute a credit card purchase

How to protect your credit card information offline

  • Always sign the back of your credit card instead of writing “Check ID” or “See ID.”
  • Don’t provide your credit card information over the phone unless you have initiated the call or you trust the party or retailer.
  • Review receipts before signing and save them instead of throwing them away.
  • Shred receipts after you’ve reconciled your monthly billing statement.

What to do if you’re a victim of credit card fraud

If you spot fraudulent activity on your credit card, you should call the phone number on the back of your card to alert your financial institution, Velasquez says.

Do the same if you’ve been sent a phishing email or smishing text and click the link that is included.

The most important thing, Breyault says, is to “dispute anything that looks unusual, quickly.”

Doing so will allow your card issuer to put a hold on your card or cancel your account, Roundy says.

Credit card issuers themselves work hard to protect you from fraud and monitor your accounts for unusual activity.

But with so many people’s lives bank of america card fraud department during the pandemic and so many transactions taking place online, “it’s much more difficult to detect what is out of pattern,” Velasquez says. “Your behavior is part of the process, and everybody’s behavior changed.”

Tip: Other steps you should consider if you’re a victim of credit card fraud include placing a fraud alert on your credit report, filing a police report and filing a complaint with the Federal Trade Commission.

How to protect yourself from credit card fraud

You also can take simple steps to protect yourself.

  • Roundy recommends reviewing your credit card statements and calling your issuer if any transaction looks unfamiliar. If you sign up for online statements, it will keep crooks from getting their hands on your discarded statements, he adds.
  • Check your credit reports regularly. You can order one free copy of your credit report from each of the three credit bureaus – Experian, Equifax and TransUnion each year at AnnualCreditReport.com, Roundy says. Then look for any new accounts that might have been opened in your name. Due to COVID-19, the bureaus are offering free credit reports each week through April 2021.
  • If your card issuer offers them, request a virtual credit card, which is good for a certain amount of time or for a particular merchant, Breyault says. That way if the number is compromised, the potential damage is minimized.
  • Velasquez recommends that you sign up for fraud alerts from your issuer, or you can receive alerts for any charges made to your card.

Credit bank of america card fraud department fraud “continues to be a growing problem,” Velasquez says, and fraudsters are drawn to it “because the opportunity exists.”

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Susan Ladika is a freelance writer and frequent contributor to CreditCards.com.

Источник: https://www.creditcards.com/credit-card-news/credit-card-fraud/

Security Frequently Asked Questions

What is a voiceprint?

Like a fingerprint, a voiceprint is a way to verify who you are. Like the lines in your finger are linked to your unique fingerprint, this print is based on your voice. It's composed of over a hundred different characteristics that represent your voice (e.g., the shape and size of your vocal tract). No one else has a voice just like you.

At TD Bank, with your permission, we can use your voiceprint to verify your identify so you can quickly get the help you want on the phone. Learn more about TD VoicePrint.

How do I enroll in TD VoicePrint?

It's easy as 1-2-3.

  • Call Live Customer Service 1-888-751-9000
  • Request to enroll in TD VoicePrint
  • The customer service representative will get you set up

Simply put, the software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.

Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.

Then, the next time you call, and for all the calls after (as long as you wish to remained enrolled), you can verify your identify simply by using your voiceprint. Learn more about TD VoicePrint.

What should I do if I suspect my online information has been compromised?

If you are a TD Bank Customer and believe you are a victim of fraud or identity theft, immediately contact Customer Service at 1-888-751-9000. Read more about Reporting Identity Theft.

How did my user name and password get compromised?

Most accounts are compromised by responding to a phishing e-mail, keylogger or Trojan Horse virus that was installed on your PC through a fraudulent e-mail or possibly by someone with whom you may have shared your user name and password. To prevent this from happening, we recommend the following actions:

  • Install anti-virus software on your computer.
  • Update your virus definitions regularly.
  • Use good judgment before opening strange or unexpected e-mail attachments and/or files.
  • Back up your data.

What is phishing?

Phishing (pronounced "fishing") is an electronic scam that attempts to obtain confidential personal or financial information from its target. It takes the form of a fake message, usually an bank of america card fraud department, which appears to be from a financial institution or service provider. The message usually includes the company name, logo and a link to a website which instructs you to update your account information by providing your Social Security number, bank account number, PIN, password, birth date, etc. with a dire warning if action isn't taken. A phisher can then use your personal information to commit fraud. Learn more about phishing and how to protect yourself.

What is a keylogger?

A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the Internet to a pre-determined remote host. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing. Often downloaded inadvertently by users clicking on links in fraudulent e-mails, keyloggers pose the most dangerous threat to user privacy.

What are Trojan Horse programs?

Trojan Horse programs (including Remote Access Trojans or RATS) can be hidden in games, videos, music files or programs downloaded from the Internet or e-mail that install a malicious program on the target's computer. Many anti-virus programs will detect and remove Trojan Horse programs, but must be regularly updated to be effective.

Is it ok to send account information via e-mail?

No. Regular e-mail is not secure. Never e-mail personal financial information such as account numbers or your Social Security number. However, you can use the secure message feature within our online banking product.

Is it ok to provide my password when asked?

No. TD Bank will never ask for your password. We have alternative methods of verifying your identity.

How can I prevent becoming a victim of fraud or identity theft?

The number and sophistication of phishing scams sent out to Customers is continuing to increase dramatically. As a general rule you should be very careful about giving out your personal information over the Internet.
  • Be suspicious of any e-mail with urgent requests for personal financial information.
  • Don't click the links in an e-mail, instant message or chat if you suspect the message might not be authentic or you don't recognize the sender or user's address.
  • Avoid filling out forms in e-mail messages for personal financial information.
  • Always ensure that you're using a secure website when submitting credit card or other sensitive information via your web browser.
  • Remember not all scam sites will try to show the "https://" and/or the security lock. Get in the habit of looking at the address line as well.
  • Regularly log on to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate.
  • Ensure that your browser is up-to-date bank of america card fraud department security patches have been applied.
  • Always report "phishing" or "spoofed" e-mails.
Learn more about how to protect yourself.

How secure is the TD Bank mobile app?

TD Bank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. The same industry standards we have always employed to keep our public website and our Online Banking secure also extend to our Mobile Banking application.

The TD Bank mobile app is safe and secure, protecting the confidentiality of customer account information and the integrity of all transactions.

What can I do to protect my security and privacy?

Just as when you bank online from your computer, there are some simple steps you should take to ensure the security of your information and protect your privacy when you use the TD Bank mobile app.
  • Protect your Online Banking password. It is your key to accessing your accounts. Do not reveal it to anyone.
  • Memorize your Online Banking password. Never store it on your mobile device, or write it on paper that you keep near your phone or carry with you.
  • Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative.
  • Never leave your mobile device unattended while using the TD Bank mobile app.
  • Use your phone's built-in lock function. Virtually all mobile hardware includes a password-protect option. Set it to require a password every time the phone starts up – an extra step, but it can help protect you if the phone is lost or stolen.

What happens if I lose my phone?

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Online Banking user name and password. However, to be safe, you should contact TD Bank as soon as possible by calling 1-888-751-9000.

To whom should I report internet fraud incidents?

If you are concerned that you have received fraudulent e-mail, disclosed confidential information or have questions about online security, immediately contact Customer Service at 1-888-751-9000 or e-mail us at Phishing@TD.com

For credit card related transactions, please contact TD Bank Visa® Credit Card at 1-888-561-8861.

What is TD Bank doing to help protect me from fraud?

TD Bank is committed to providing you with a secure online experience that protects your confidential information, our website and our apps. Read more about Our Online Security Commitment.

Where can I get more information on internet fraud prevention?

There are many websites that provide helpful information. View the Identity Protection Resources area of our Security Center for a list of resources.

Can I continue to use the Trusteer Rapport security software?

Yes. While the Trusteer Rapport security software from IBM is no longer available for download from our website, you may continue to use it to help protect your computer against malware.

This is recommended, if you use the software in conjunction with another financial institution.

If you only use it with TD, you may uninstall it at any time.

If you keep using the software, you might notice that the Trusteer Rapport icon in your browser appears gray, instead of green, when visiting the TD site.

TD is committed to protecting the integrity and security of your information and financial transactions. Learn more about our Online Security Commitment.


TD Bank serves customers who are deaf or hearing impaired and who use TTY (Text Telephone), Video Relay or other Operator Assisted Relay Services.
All Relay Operator Assisted calls, please call 1-888-751-9000.
Customers calling abroad can reach Customer Service by dialing direct at 1-856-751-9000 or calling collect with operator assistance at 1-215-569-0518. Please note, this number is only intended to work overseas and will not work within the U.S.

© 2016 Visa U.S.A. Inc.

Источник: https://www.tdbank.com/bank/security_faqs.html

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3 Replies to “Bank of america card fraud department”

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