Bank Official sources verified

Varo Bank fraud reporting routes

Account compromise, identity theft, and transaction dispute response.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with Varo Bank. Contacts below are sourced only from verified official pages.

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Account typeWhat happenedPayment or channel

Exact verified routeChecked 2026-08-05

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Varo identity mailbox

identity@varomoney.com

Use for suspected identity misuse or unauthorized account access; do not send passwords or security codes.

Open official route

Source: Varo Unauthorized Account Access

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Account holder name
Collect in secured workspace.
Required for written notice
Best contact information
Collect phone/email used for bank follow-up.
Required for written notice
What is wrong with the transaction?
Collect a factual description of the unauthorized use or error.
Required for written notice
Disputed amount
Collect amount and currency.
Required for written notice
Transaction date
Collect exact posted date.
Requested by official support
Transaction amount
Collect amount and currency.
Requested by official support
Statement or app description
Copy exactly as displayed, including abbreviations.
Requested by official support

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
Unauthorized ACH Return Form
Save completed form, transmission proof, and source transaction records.
Copy acceptable
ACH line-item data
Preserve originating company name/ID, amount, debit/credit, posting date, unauthorized reason.
Copy acceptable

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 source3

Varo Unauthorized Account AccessAccount compromise and identity theft · Verified in browser Varo Dispute a TransactionTransaction dispute workflow · Verified in browser Varo Contact UsPhone hours and login/dispute support · Verified in browser

Other verified routes for Varo Bank

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