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UMB Bank fraud reporting routes

Identity-theft, fraud, card, and branch routing.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with UMB Bank. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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UMB fraud support

800-860-4862

Call or visit the nearest UMB branch about identity theft or fraud.

Hours or timing: Mon–Fri 7:00 a.m.–8:00 p.m. CT; Sat 8:00 a.m.–5:00 p.m. CT
Call official number
Source: UMB Privacy and Security

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Your name, what happened, and a callback number

    Prepare a concise description of the circumstances and a reliable callback number.

    Recommended by official source
  • What personal information was compromised

    Prepare a factual inventory before completing the official report.

    Required or commonly requested
  • How the information was misused

    Prepare a factual inventory before completing the official report.

    Required or commonly requested
  • Accounts and transactions involved

    Prepare a factual inventory before completing the official report.

    Required or commonly requested
  • Your name

    Collect for formal report workspace; mask if exported publicly.

    Required by IC3 complaint
  • Your phone number

    Collect in secured workspace; show user they may need it for agency report.

    Required by IC3 complaint
  • Your email address

    Collect in secured workspace; show user they may need it for agency report.

    Required by IC3 complaint
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Records of fraudulent transactions

    Preserve statements, transaction details, checks, receipts, and claim records related to the fraud.

    Keep originals and working copies
  • Fraud-related communications

    Preserve letters, emails, messages, and notices exchanged with institutions or suspected actors.

    Keep original and export copy
  • Names, dates, and details of contacts

    Record every contact, date/time, person or department, channel, reference number, and promised next step.

    Structured record
  • Written follow-up letters or emails

    Keep copies of all written follow-up and delivery or submission confirmation.

    Copy acceptable
  • FTC Identity Theft Report and personalized recovery plan

    Download or print the report and recovery plan immediately and retain copies with the incident evidence.

    Keep original and copy
  • Canceled checks

    Preserve originals; store copy/reference in FraudPrep.

    Keep original
  • Receipts

    Preserve originals for payment/report records.

    Keep original
Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source1
UMB Privacy and SecurityIdentity theft, fraud reporting, and security guidance. · Verified in browser

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