Reporting Fraud

Be sure the emails, texts and phone calls you receive are from a trusted source. Do not click on links or attachments or respond with personal information unless you have verified the sender. If you suspect you’ve received a fraudulent message, take a screen shot of the message and forward it to abuse@pnc.com.

If you are a victim of identity theft, it's important that you take action immediately. If you have accounts at PNC, contact your branch or account representative, or call our toll-free number 1-888-PNC-BANK right away from to report the situation. Representatives are available Monday through Friday from 7:00 a.m. until 10:00 p.m. and Saturday and Sunday from 8:00 a.m. until 5:00 p.m. Please contact your local branch for hours of operation.

If you believe you have become a victim of fraud, please do the following:

• Call PNC and let us know your identity has been compromised or stolen.
• If you have not done so already, enable fraud alerts on your PNC accounts.
• Call any other financial institution(s) you deal with and make them aware of the situation.
• If you have not done so already, enable any fraud alerts available through your other financial institutions.
• Call your credit card companies and ask that access to your accounts be restricted. Open new accounts if necessary.
• Visit annualcreditreport.com to obtain a free copy of your credit report, and review it for signs of fraudulent activity.
• Consider placing a fraud alert or a security freeze on your credit profiles with Equifax, Experian, and TransUnion.
• Check through your personal documents to determine what items are missing.
• If checks are missing from your checkbook, issue stop payments on each check.
• If your driver's license is stolen, call your local Department of Motor Vehicles office.
• If your Social Security card is stolen, call the Social Security Administration.
• If your mobile device is lost or stolen, erase its data remotely.
• Ask to have your account numbers, PINs, and passwords changed immediately.
• Ask your bank, brokerage firms and credit card companies to review transactions on all of your accounts.
• File a report with the police and get a copy of it for your records.
• Document what happened, when it happened, and to whom you spoke.

If you have any additional questions or concerns about fraud or identity theft, call PNC Bank at 1-888-PNC-BANK. Representatives are available Monday through Friday from 7:00 a.m. until 10:00 p.m. and Saturday and Sunday from 8:00 a.m. until 5:00 p.m.

What to do if you receive a Suspicious Message

If you suspect that you've RECEIVED a fraudulent e-mail that appears to be from PNC Bank:

1. Do NOT respond
2. Do NOT click on any links
3. Do NOT provide any personal information
4. Forward the email to PNC Bank abuse@pnc.com
5. Delete the email

If you responded or disclosed your personal information to a possible fraudulent message, notify PNC Bank's Online Banking Team immediately at 1-800-762-2035 or visit us at a local branch. Representatives are available Monday through Friday from 7:00 a.m. until 10:00 p.m. and Saturday and Sunday from 8:00 a.m. until 5:00 p.m. Contact your local branch for hours of operation.

Learn more about fraudulent messages »

Know your liability

Immediately contact your bank or card issuer if a credit or debit card is lost or stolen.

Review your account agreement for details on liability. The Federal Trade Commission outlines these federal protections:

Physically lost or stolen cards

• Credit card: $50 liability cap if the card is used prior to reporting it lost or stolen; zero liability if the card is used after reporting it lost or stolen.
• Debit card: Zero liability if reported before unauthorized charges occur; $50 liability cap if reported within two business days of unauthorized charges; $500 liability cap if reported more than two business days after unauthorized charges, but less than 60 calendar days after receiving bank statement; full liability (i.e. all monies taken from accounts linked to debit card) if reported more than 60 calendar days after receiving bank statement.

Card number only stolen

• Credit card: Zero liability for unauthorized charges.
• Debit card: Zero liability for unauthorized charges if reported within 60 calendar days of receiving bank statement.