Finding out a stranger has accessed your bank account is terrifying. Your heart races, your stomach drops, and panic sets in. Cybercriminals move fast—but so can you. Acting quickly limits damage, reduces your liability for unauthorized transactions, and helps you recover funds under federal protections. This is your complete, step-by-step emergency playbook and checklist. Follow it in order. Document every call, case number, representative name, and date. Keep records in a s

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