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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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What do I do if I think there may be additional unauthorized charges made after I reported my credit card lost or stolen?


Call your credit card company right away and report the additional unauthorized charges. Then, follow up in writing with a billing error notice.

If your credit card was lost or stolen, review your billing statements carefully. If they show any unauthorized charges, it is best to call and write a letter to the card company right away. Include the following information:

  • Your name
  • Your account number
  • When you noticed your card was missing
  • The date and time you first reported the loss to the card issuer
  • Each unauthorized charge appearing on the statement by date, type, and amount
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