Action: Call the general customer service number (1-800-432-1000) or the specific credit card fraud line (1-800-732-9194) and clearly state "fraud" or "unauthorized transactions" when prompted. Bank of America's fraud department can typically block the card, prevent further fraudulent transactions, and initiate an investigation. Speed is crucial here to limit potential losses.
Lost or Stolen Debit/Credit Cards:
Issue: Your physical card is missing, either lost or stolen.
Action: Call the specific "Bank of America customer service phone uganda phone number list number" for lost/stolen cards (often found on the back of any remaining cards, within your online banking account, or via the general line). This ensures the card is instantly deactivated, preventing any further fraudulent use. A replacement card can usually be ordered during the same call.
Suspected Identity Theft or Account Compromise:
Issue: , texts, or phone calls claiming to be from Bank of America asking for personal information (phishing). Or, you notice unfamiliar account login attempts, changes to your contact information (address, phone number) that you didn't make, or receive alerts about activities you didn't initiate.
Action: Even if you haven't shared information, call Bank of America's fraud department. They can assess if your account details have been compromised, guide you on immediate security measures, including potentially freezing accounts, changing credentials, and monitoring for suspicious activity.
ATM Skimming or Tampering:
Issue: You visit a Bank of America ATM and suspect it has been tampered with, or you notice unusual devices attached to the card reader or keypad.
Action: Immediately call and report the precise location of the ATM. This helps Bank of America investigate and protect other customers from falling victim to skimming devices.
Accidental Information Disclosure in Phishing Scams:
Issue: You inadvertently clicked on a suspicious link or provided personal/account information in response to a fraudulent email, text, or phone call that claimed to be from Bank of America.
Action: Call immediately. Even if you only gave seemingly innocuous information, a fraud specialist can advise you on the necessary next steps to secure your accounts, change passwords, and monitor for potential misuse.
Why Phone is Crucial for Fraud & Security Customer Service: