How to report fraud
We’re here for you 24/7.
We have dedicated teams working around the clock to keep your accounts and personal information secure. If we detect any suspicious activity, we’ll email or text you with a security alert.
We’re most effective in fighting fraud when we work together with you. If something doesn’t seem right, let us know.
Remember, we’ll never call or text you and ask for your one-time verification code, PIN, password or any other personal identification details.
Tell us what happened.
Unauthorized transactions
To report unauthorized credit card or ATM/debit card transactions, log on to usaa.com or the USAA Mobile App and select "Dispute Transaction” from your account activity page.
Call us 24/7 if you have questions. For credit cards, call 800-945-6759. For ATM/debit cards, call 800-951-4539.
Suspicious USAA call, email or text message
If you provided any personal information like your password or other logon information, call us immediately at 877-762-7256.
If you didn’t give out any info but want to report what happened, send an email to abuse@usaa.com. Include the phone number and details about the call or message.
Lost or stolen debit or credit card
Debit cards
To avoid misuse of your lost debit card, log on to report the lost card. We'll terminate the lost card and ship you a replacement. Shipping charges may apply.
Credit cards
To avoid misuse of your lost credit card, log on to report the lost card. We'll terminate the lost card and ship you a replacement. Shipping charges may apply.
Identity theft
Call us at 877-762-7256. To learn what steps you should take during the recovery process, read our Identity Theft Resolution Guide.
If you’re a victim of fraud or identity theft
Close affected accounts immediately.
Create new usernames and passwords for any new accounts you open. You should also change your logon information for all other accounts.
Get a new driver’s license or ID card.
Follow your area’s DMV procedures to cancel your existing license or card.
Contact consumer reporting companies.
Equifax®, Experian® and TransUnion® can place a fraud alert on your credit reports.
Alert law enforcement.
File reports with the police and the Internet Crime Complaint Center. Get copies or report numbers to send to creditors.
Ways to protect against security threats
How to Avoid Scams
Fraud is on the rise. Get to know common scams and how you can stay safe.
Enhanced Logon Options
Stay safer with multifactor authentication, biometrics and more.
How to Protect Yourself
Get tips for protecting your accounts and personal information.