Fraud prevention

You can avoid fraud if you know how to detect it. There are several different types of card fraud to avoid

  • Card not present fraud: fraudsters can obtain your credit card details from such things as discarded receipts. They can then use this information to purchase high value or desirable goods online, by phone or mail order. For transactions online or by phone the retailer does not need to see the card (or require the PIN), hence the name "card not present fraud".
  • Identity theft/account takeover fraud: fraudsters can obtain your personal details from various sources including: discarded or intercepted mail,phishing, vishing, smishing, spoofing, hoax calls, social networking websites, public records, hacking genuine websites and listening in on telephone calls. Once they have your personal details they can use this to access your account, order cards, change your address, complete a balance transfer or deposit and assume the identity of a genuine customer in order to purchase goods or obtain funds fraudulently.
  • Application fraud: this is another form of View Details identity theft. In this case, the fraudster uses your personal details to apply for a brand new credit card or bank account rather than taking over an existing account. This often happens when the genuine customer has moved from their previous address.
  • Counterfeit fraud: this is the manufacture of a fake credit card using genuine card details. The card details are copied from the magnetic strip of the genuine card using a device called a skimmer. This information is then transferred to the magnetic strip on a fake credit card that can be used to purchase goods online or in countries where Chip & PIN has not yet been introduced.
  • Malware fraud: short for "malicious software", malware refers to software programs that are distributed in the form of innocent-looking popups, emails or spam but are designed to damage, capture information or do other unwanted actions to your computer. Common examples include viruses,worms, trojan horses, adware and spyware.

Fraud can happen to you at any time and through a number of different sources. It is important that you quickly recognize it and know what to do to help mitigate the risk of you being impacted.

  • If your credit card is lost or stolen or you do not recognize a transaction on your credit card account statement, please contact our Customer Service department, toll-free, at 1-800-404-1319. The sooner you report it, the sooner we can block your account from further use and issue you a new credit card account number.
  • If you suspect that you have received a fraudulent MBNA email, requesting account information or asking you to click on a link, please attach the email to the Email Fraud form below.
  • If we believe your credit card device (i.e. card plastic) may have been lost, stolen or compromised, we will try to contact you to ensure that you still have your credit card and to verify any recent transactions.
  • It is important to keep your personal details up-to-date. If you move or your personal details change, please let us know so that we can update our records. We will contact you as soon as possible if we suspect fraudulent activity. Also, remember to stop or divert your mail when you are away from home for an extended period of time.
  • Fraud Alert emails from MBNA will always address you by your first and last name, and will contain the last 4 digits of your credit card number. This will help you verify that the email originated from a trusted source. We will always require you to log in to our secure Online Banking service in order to share personal information, if required. We will never ask for your credit card account number or any other personal information to be sent to us via email.
  • If we contact you by phone, we will always ask you to confirm your identity with information we have on file. If you are concerned that the caller may not be an MBNA agent, then we invite you to call the toll-free number on the back of your card for greater peace of mind.

If you encounter or believe that you have been the victim of online or mobile fraud (i.e. phishing, fraudulent text messages etc.), please send an email to phishing@td.com. Be sure to attach any supporting documentation such as copies of suspicious emails, text messages and questionable links/URLs.