# Lost Wallet

> Lost Wallet (https://lostwallet.io) is a free tool, on the web and as an iPhone and Android app, that builds a "lost wallet playbook": who to call when a wallet is lost or stolen, in the order the law rewards, with phone numbers and what to say. It runs entirely on the user's device. There is no account, no server, no database, no analytics, and Lost Wallet sends nothing a person types. On the phone, a link the person taps opens that organization's website in a browser view.

## Quick facts

- **Website**: https://lostwallet.io
- **Price**: Free. No account, no upgrade, no paid tier.
- **Privacy model**: Your data stays on your device. We never see it, store it, or transmit it. Everything typed is held in the page's memory until the tab closes. The site's Content Security Policy forbids the page from connecting to any host (`connect-src 'none'`). The app never asks for full card numbers, CVVs, PINs, expiry dates, Social Security numbers, photos, or an email address; forms refuse a full card number and free text is scrubbed of anything shaped like one.
- **Platforms**: The web (any modern browser, nothing to install), an iPhone and iPad app, and an Android app. The same playbook on all of them; the apps add a PDF to the share sheet and the phone's print dialog, and Android can also save the PDF to a folder the person chooses.
- **Output**: A chronological checklist (hour zero, hour one, today, this week, this month) that the user can print or save as PDF through the browser, download as a self-contained HTML file, or download as Markdown. All three are generated on the device.
- **Scope**: United States issuers, state licensing offices, federal agencies, and the three nationwide credit bureaus.
- **Never asked for**: full card numbers, PINs, CVVs, expiry dates, Social Security numbers, photos, an email address. The forms refuse a full card number outright, and anything shaped like one is scrubbed from free text, so the playbook cannot carry a secret.
- **Last reviewed**: October 2026. Every issuer, bureau, and state licensing office number was read from the organisation's own website then; the page it came from is recorded beside each number in the directory.

## What to do if a wallet is missing right now

1. **Stop and look; lock cards in the apps.** Most lost wallets are in a car, a coat, or at home. A locked card declines charges at once and unlocks in seconds.
2. **Call debit card issuers first.** Under Regulation E (Electronic Fund Transfer Act), reporting within 2 business days caps the loss at $50; later it can be $500; after 60 days from the statement, unlimited.
3. **Call credit card issuers second.** Under the Fair Credit Billing Act the loss is at most $50, and nothing once reported.
4. **Place a fraud alert or freeze.** One call to any bureau places a free one-year fraud alert at all three. A credit freeze is stronger and free, placed at each bureau.
5. **Replace ID and file a police report** if a driver's license, passport, or other government ID was in the wallet.
6. **Write down every call**: date, time, and who you spoke to.

## Credit bureau phone numbers

- **Equifax**: 1-800-525-6285
- **Experian**: 1-888-397-3742
- **TransUnion**: 1-800-680-7289

## What to say to a bank

> "I need to report a lost card. Please cancel it and send a replacement to my address on file."

## Pages

- [Home](https://lostwallet.io/): what to do first, the questions people ask, and two doors: the builder, and "My wallet is gone right now", which opens the playbook at once with the generic call steps and the bureau numbers, cards to be added as the hour allows.
- [Make my playbook](https://lostwallet.io/cards): step 1 of 3, the bank cards only; then ID and documents (license, passport, insurance, keys, checks, library card); then two choices for the bad day (fraud alert or freeze, police report); then the playbook. A Social Security card, a passport, or a birth certificate entered on either step gets the agency's own advice not to carry it.
- [Privacy](https://lostwallet.io/privacy): the whole policy, in plain language.
- [Terms](https://lostwallet.io/terms): the deal, in plain language.
- [Settings](https://lostwallet.io/settings): links to Privacy, Terms, contact support, and the current app version.

## Not

Lost Wallet is not a bank, a credit bureau, a law firm, or identity theft insurance. The liability rules it quotes are the FTC's and CFPB's summaries of federal law for cards issued in the United States; a bank's own terms may protect the cardholder more.