Lost Wallet
Lost your wallet?
A bad hour, not a bad month.
Answer three short questions and get a playbook: who to call, in the order the law rewards, with the numbers and the words to say. Then print it or save it. Five minutes, free, no account.
Your data stays on your device. We never see it, store it, or transmit it.
Everything you type stays on this device, in memory, and nowhere else, whether this is a browser tab, an iPhone, or an Android phone. There is no account, no server, no database, no analytics, and no network call. Close the tab or the app and it is gone. Save the playbook first.
Check it yourself: turn on Airplane Mode. Every step, and the PDF, keep working.
Never asked for
Full card numbers
PINs or CVVs
Social Security numbers
Photos
Your email
Your playbook holds
Card names
Last four digits
Numbers to call
What to say
What to do next
Read the whole privacy policy. It is short.
Lost is a hassle. Stolen is a race.
Debit first. It spends your own money, and the law caps your loss at $50 only if you report within two business days. Then credit: $50 at most, nothing once reported. Then your ID, then your identity. The playbook puts every call in that order, with the number beside it.
One free call places a fraud alert at all three credit bureaus: Equifax 1-800-525-6285 · Experian 1-888-397-3742 · TransUnion 1-800-680-7289. You never need to tell anyone a full card number: the last four is enough.
Not your bank, a bureau, or a lawyer. A checklist, written from the FTC's, the CFPB's, and the issuers' own public pages. Numbers checked October 2026.
Questions
What should I do first when my wallet is missing?
Lock your cards in their banking apps and look in the usual places: the car, a coat, the kitchen counter. If it is gone, call debit card issuers first, then credit card issuers, then place a fraud alert or a freeze with the credit bureaus.
Why call about debit cards before credit cards?
A debit card spends the cash in your checking account. Under Regulation E, your loss is capped at $50 only if you report within 2 business days; it can rise to $500, and after 60 days to everything. A credit card is capped at $50 under the Fair Credit Billing Act, and at nothing once reported.
Which credit bureau do I call for a fraud alert?
Any one of them; by law that bureau must tell the other two. Equifax 1-800-525-6285, Experian 1-888-397-3742, TransUnion 1-800-680-7289.
What should I say to the bank?
“I need to report a lost card. Please cancel it and send a replacement to my address on file.” Then write down the date, the time, and the name of the person you spoke to.
What if my driver's license was in it?
Request a replacement from your state licensing office, and file a police report so there is a record if someone uses your name. The playbook puts your state's office and number on the page.
Does Lost Wallet see or store what I type?
No. It runs entirely on your device. There is no account, no server, no database, and no network request after the page loads. What you type stays in memory until you close the tab or the app. It never asks for full card numbers, CVVs, PINs, or Social Security numbers.
Is this legal advice? What does it cost?
Not legal advice: a checklist, written from the FTC's, the CFPB's, and the issuers' own public pages. Your bank's own terms may protect you more than the law requires. It costs nothing: no account, no upgrade, no catch.