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You may receive one free replacement card per year. Your replacement card will arrive by first-class mail within 10-15 days. They will then issue a new card and send it to you in the mail. When you advise Direct Express that your card is lost, they immediately cancel your card, rendering it unusable if found.
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You may be wondering how to get a replacement Direct Express card. If it takes Direct Express more than 10 days to complete their investigation, they will provide you with a temporary credit. If they determine that those actions were unauthorized, you will receive credit for the total amount. Each state has laws that affect your liability, so check your state laws.ĭirect express will investigate what happened with your account and the fraudulent transactions. Be aware that if Direct Express determines you did not protect your card and gave your card and PIN to someone, or you did not report the theft within 48 hours, you may be held liable for up to $500 taken from your card. The unauthorized transactions will result in an investigation being opened. You do not want your credit to suffer a negative impact from fraudulent activity on your account. You also need to let the representative know if you have any automatic bill payments drawn to your account. Please provide them with the complete information you wrote down when verifying your account. If you did not authorize transactions on your card, advise customer service. You will then transfer to an agent to report your card lost. When you place your call, Direct Express will ask questions to confirm your identity as the card owner. International Phone Number-1-76 (Collect).The Direct Express phone numbers for a lost card are: If the thief makes more than $50 in fraudulent transactions, you will not lose more than the initial $50. If your card is stolen and you report it within two (2) business days, you are only liable for the first $50. This prevents you from being liable for unauthorized transactions. If you determine you lost your card, it is important to report that loss to Direct Express immediately. Reporting Direct Express Card Lost or Stolen If there are no unauthorized transactions on your account, you still need to report the card lost. You can also screen capture the transactions and save them to your phone as photos. This includes the processing date, amount, merchant name, and location. If you see any transactions you did not make, make note of all the details. Review the transaction history to see if there is any recent activity that is not yours. Log into your Direct Express account using either your mobile device or computer.