A Statement of Fraud is an affidavit that U.S. Bank sends to Cardholders who have had a fraudulent transaction(s) post to their account. (NOTE: Sometimes fraud is detected early enough to prevent it from actually posting to the account.) The bank's Fraud Division will notify the Cardholder, during their conversation, if a Statement of Fraud is being sent. It usually arrives via U.S. Mail within 7-10 days and MUST be completed and returned. If it does not arrive within 10 days, the Cardholder should contact the bank. If the Statement of Fraud is not returned, the provisional credits on the Cardholder's account will be voided after 60 days and the fraudulent charges will reappear on the account.