Report to Bank of America

• Unauthorized transactions on Bank of America accounts and cards
• Emails and texts using the Bank of America name
• Zelle payments sent from a Bank of America account
• Fraudulent wire transfers
• Account takeover and unrecognised profile changes

1. 1

   Call the number for that product

   ATM, debit card, cheque or Zelle: 800-432-1000 or 877-366-1121, and 1-315-724-4022 from outside the US. Consumer credit card: 800-732-9194 or 800-421-2110, international 1-302-738-5719. Wire transfers: 877-337-8357, international 1-302-781-6374.

2. 2

   Forward the message, if you have not acted on it

   Forward a phishing email that uses the Bank of America name to abuse@bofa.com, then delete it without clicking anything. Forward a suspicious text to 7726 (SPAM), which reports it through your mobile carrier.

3. 3

   If you already replied, call rather than forward

   If you have responded to a suspicious message, Bank of America asks you to call. Use the number on the back of your card or on a bank statement. Never use a number supplied by the message itself.

4. 4

   Report a product security issue separately

   security@bofa.com is for vulnerabilities in Bank of America products, not for fraud on your own account. The bank asks for contact details and a general description only. Hold the specifics until a secure channel is set up.

• The last four digits of the affected account or card
• Dates, amounts and recipients of the transactions you are disputing
• The original email or text, forwarded rather than retyped
• The number you were asked to call back, if there was one

A claim is opened on the call and a compromised card is reissued. Card disputes normally carry a provisional credit during the investigation. A wire or Zelle payment you authorised is much harder to reverse than a card charge. Speed matters more in those cases than in any other.