Reporting Fraud

The sooner you report fraud or identity theft, the faster PNC, other financial institutions and the authorities can take steps to assist you.

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.