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<?php $pageTitle = "Report Fraud"; include 'includes/public-header.php'; ?>

<main id="main-content">
<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Report Fraud</h1><p class="db-page-hero-subtitle">If you suspect fraud or unauthorized activity on your account, act quickly. We are here to help 24 hours a day, 7 days a week.</p></div></section>

<!-- Warning Alert -->
<section class="db-section-sm"><div class="db-container"><div class="db-content animate"><div class="db-alert db-alert-danger"><i class="fas fa-exclamation-triangle"></i><div><strong>If you believe your account has been compromised:</strong> Immediately freeze your account from your online banking dashboard or call our 24/7 fraud hotline at <strong>+1 (800) 555-0202</strong>. Time is critical in limiting potential losses.</div></div></div></div></section>

<!-- What To Do -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Take Action</span><h2 class="db-section-title">What to Do If You Suspect Fraud</h2><p class="db-section-subtitle">Follow these steps immediately to protect your account and begin the resolution process.</p></div>
<div class="db-steps db-mt-8">
  <div class="db-step animate animate-delay-1"><h4>Secure Your Account</h4><p>Log in to your dashboard immediately and use the freeze function to block all outgoing transactions. Change your password and PIN right away.</p></div>
  <div class="db-step animate animate-delay-2"><h4>Contact Us Immediately</h4><p>Call our 24/7 fraud hotline at +1 (800) 555-0202. Our team will verify your identity and begin the investigation process.</p></div>
  <div class="db-step animate animate-delay-3"><h4>Document Everything</h4><p>Take screenshots of any suspicious emails, text messages, or transaction records. Note dates, times, amounts, and any communication you received.</p></div>
  <div class="db-step animate animate-delay-4"><h4>Follow Up</h4><p>We will provide a case reference number. Monitor your account and follow any additional instructions from our fraud investigation team.</p></div>
</div></div></section>

<!-- What to Have Ready -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>What Information to Have Ready</h2><p>When you contact our fraud team, please have the following information available to help us assist you as quickly as possible:</p>
<ul>
  <li><strong>Your account number</strong> or the email address associated with your account</li>
  <li><strong>Details of the suspicious transaction(s):</strong> date, time, amount, and recipient information if known</li>
  <li><strong>Any suspicious communications</strong> you received, including emails, text messages, or phone calls</li>
  <li><strong>A description of what happened</strong> and when you first noticed the suspicious activity</li>
  <li><strong>Your registered phone number</strong> for identity verification purposes</li>
</ul></div></div></section>

<!-- Contact Methods -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">How to Report</span><h2 class="db-section-title">Contact Methods</h2><p class="db-section-subtitle">Choose the fastest way to reach our fraud investigation team.</p></div>
<div class="db-support-channels db-mt-8">
  <div class="db-support-channel animate animate-delay-1"><i class="fas fa-phone-alt"></i><h4>Fraud Hotline</h4><p>Call us immediately for urgent fraud reports.</p><p style="font-weight:700;color:var(--db-danger);font-size:var(--db-text-lg);">+1 (800) 555-0202</p><p style="font-size:var(--db-text-xs);">Available 24 hours a day, 7 days a week</p></div>
  <div class="db-support-channel animate animate-delay-2"><i class="fas fa-envelope"></i><h4>Email Report</h4><p>Send detailed information for non-urgent fraud reports.</p><p style="font-weight:600;color:var(--db-primary);">fraud@dbhacu.com</p><p style="font-size:var(--db-text-xs);">Response within 4 hours</p></div>
  <div class="db-support-channel animate animate-delay-3"><i class="fas fa-shield-alt"></i><h4>Online Dashboard</h4><p>Freeze your account and submit a fraud report from your dashboard.</p><a href="account/login.html" class="db-btn db-btn-outline db-btn-sm">Log In Now</a></div>
</div></div></section>

<!-- What Happens After -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>What Happens After You Report Fraud</h2>
<div class="db-steps db-mt-6">
  <div class="db-step animate animate-delay-1"><h4>Immediate Freeze</h4><p>We freeze your account to prevent any further unauthorized transactions while the investigation is underway.</p></div>
  <div class="db-step animate animate-delay-2"><h4>Investigation Begins</h4><p>Our fraud team reviews transaction logs, IP addresses, device fingerprints, and any suspicious communication you provide.</p></div>
  <div class="db-step animate animate-delay-3"><h4>Resolution</h4><p>You are protected against unauthorized transactions when reported promptly. We work to recover funds and reverse fraudulent charges.</p></div>
  <div class="db-step animate animate-delay-4"><h4>Secure Your Account</h4><p>We help you set up enhanced security measures, issue new credentials, and ensure your account is fully secured moving forward.</p></div>
</div></div></section>

<!-- Prevention Tips -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>How to Protect Yourself from Fraud</h2><p>While we employ robust security measures, staying vigilant is your first line of defense. Follow these best practices to keep your account secure.</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-key"></i></div><h3 class="db-card-title">Use Strong, Unique Passwords</h3><p class="db-card-text">Create passwords with at least 12 characters combining letters, numbers, and symbols. Never reuse your banking password on other websites.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Enable All Security Features</h3><p class="db-card-text">Activate multi-factor authentication, login alerts, and transaction notifications to stay informed about account activity.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-envelope-open-text"></i></div><h3 class="db-card-title">Scrutinise Every Email and Text</h3><p class="db-card-text">Never click links in unsolicited messages claiming to be from your bank. Always type our web address directly into your browser.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-card-title">Keep Your Devices Secure</h3><p class="db-card-text">Install security updates promptly, use antivirus software, and avoid accessing your account from public or shared devices.</p></div>
</div></div></section>

<!-- CTA -->
<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Stay One Step Ahead of Fraud</h2><p class="db-cta-description">Learn how to recognise scams and protect yourself with our comprehensive security resources.</p><div class="db-cta-actions"><a href="scam-awareness.html" class="db-btn db-btn-light db-btn-lg">Scam Awareness</a><a href="security-centre.html" class="db-btn db-btn-outline-white db-btn-lg">Security Centre</a></div></div></div></section>
</main>

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