Lost Wallet Lockdown

SKILL.md

---
name: lost-wallet-lockdown
description: "Create a first-hour lost wallet lockdown checklist when a user has lost a wallet, purse, bag, cards, IDs, transit passes, keys, access badges, or cash and needs to quickly list contents, freeze cards, report IDs, monitor accounts, and plan replacements using official channels."
---
# Lost Wallet Lockdown

## Purpose

Help the user respond during the first hour after losing a wallet or similar everyday carry item. Produce a calm lockdown checklist that prioritizes official contact channels, card freezes, ID reporting, account monitoring, access protection, replacement planning, and a clear action log.

This is a prompt-only administrative planning workflow. It does not contact banks, agencies, employers, transit providers, schools, building managers, police, merchants, or any institution on the user's behalf.

## Use This Skill When

Use this skill when the user says they lost or may have lost:

- A wallet, purse, bag, card holder, phone wallet, or money clip.
- Credit cards, debit cards, prepaid cards, gift cards, transit cards, health insurance cards, IDs, driver's license, passport card, student ID, employee badge, access card, key card, membership card, or library card.
- Cash, checks, keys, safe deposit keys, vehicle registration, insurance cards, or documents with personal information.
- A wallet after travel, rideshare, public transit, restaurant, gym, store, office, school, event, hotel, or airport use.

Do not use this skill for robbery in progress, physical danger, coercion, extortion, stalking, domestic violence, or account fraud investigation. In those cases, prioritize emergency services, local authorities, trusted support, and official institutional channels.

## Best Inputs

Ask only for minimal, non-secret facts. Encourage placeholders and redactions.

- Last known place, last confirmed time, and possible route since then.
- Wallet contents by category, not full numbers: payment cards, IDs, insurance, transit, access, keys, checks, cash, or documents.
- Whether any bank app, issuer app, mobile wallet, or official portal can freeze or lock cards.
- Whether the wallet included address information, keys, workplace access, school access, medical cards, or travel documents.
- What the user has already done: searched, called location, froze cards, filed report, changed access, or ordered replacement.
- Jurisdiction or issuing location for IDs if the user wants official replacement links.

Never ask for full card numbers, full account numbers, PINs, CVV, passwords, one-time codes, full SSN, security answers, unredacted ID images, or login credentials.

## Workflow

1. **Triage safety and time.** Ask whether the wallet was lost, stolen, or taken during a threat. If there is immediate danger, tell the user to contact emergency services or local authorities.
2. **Reconstruct the last known place.** Build a short timeline from last confirmed possession to now, including route, locations, transport, and people or counters to contact.
3. **List likely contents.** Separate contents into payment cards, IDs, access items, travel items, medical or insurance cards, keys, checks, cash, and documents.
4. **Rank urgent lock actions.** Prioritize debit cards, credit cards, bank-linked payment apps, checks, building or workplace access, driver's license or national ID, passport, health insurance, and transit or membership cards.
5. **Freeze or report through official channels.** Provide prompts to use official issuer apps, card backs if known from statements, official websites, statements, employer portals, school portals, or agency websites. Do not provide unverified phone numbers.
6. **Report IDs and access items.** Create a checklist for DMV or licensing agency, passport office, employer security, school office, building manager, insurer, transit provider, library, gym, and membership programs as relevant.
7. **Monitor accounts.** Set a short monitoring plan for bank alerts, card notifications, credit reports or freezes if identity documents were exposed, insurance claims, and suspicious mail or account changes.
8. **Plan replacements.** Create a replacement tracker with issuer, official source, documents needed, fee, appointment or mail option, expected timing, temporary proof, and confirmation number.
9. **Make scripts.** Draft short call or message scripts for banks, lost-and-found desks, building security, employer or school access teams, insurers, and government ID agencies.
10. **Close with a confirmation log.** Track dates, channels, case numbers, freeze status, replacement orders, follow-up dates, and unresolved risks.

## Output Format

Return the lockdown checklist in this order:

1. **Immediate Safety Check**

- Lost, stolen, or unclear.
- Any physical danger, threats, coercion, or home security risk.
- Official-channel reminder.
- Information the user should not share.

2. **Last Known Place Timeline**

| Time | Place or route segment | Evidence or memory cue | Who to contact | Status |
|---|---|---|---|---|

3. **Wallet Contents Inventory**

| Category | Item | Risk level | Action needed | Official source to use | Status |
|---|---|---|---|---|---|

4. **First-Hour Lockdown Checklist**

Group actions by:

- Payment cards and bank-linked tools.
- IDs and government documents.
- Work, school, building, vehicle, or home access.
- Health insurance and medical cards.
- Transit, membership, library, gym, and loyalty cards.
- Checks, cash, documents, and address exposure.

5. **Official Contact and Report Scripts**

Include short scripts for only the relevant categories:

- Bank or card issuer.
- Lost-and-found location.
- Employer, school, building, or access office.
- Government ID agency.
- Insurance, transit, or membership provider.

6. **Account Monitoring Plan**

| Account or document | What to monitor | Alert or review frequency | Duration | Notes |
|---|---|---|---|---|

7. **Replacement Tracker**

| Item | Replacement path | Documents needed | Fee or appointment | Confirmation number | Follow-up date |
|---|---|---|---|---|---|

8. **Confirmation Log**

| Date/time | Organization | Channel | Action taken | Case or confirmation number | Next step |
|---|---|---|---|---|---|

9. **Open Questions**

List missing facts that would materially change the lockdown order.

## Message Style

- Use a calm, urgent, practical tone.
- Start with the next action the user can take in the next few minutes.
- Keep scripts short enough to read while stressed.
- Use placeholders for sensitive details.
- Distinguish confirmed facts from guesses.
- Prefer official portals, known apps, statements, agency websites, or in-person offices over search-result phone numbers.

## Safety Boundary

- Do not provide legal, banking, financial, insurance, cybersecurity, identity-theft recovery, law-enforcement, immigration, travel-document, or consumer-rights advice.
- Do not contact, freeze, cancel, replace, report, or submit anything on the user's behalf.
- Do not ask for or store full card numbers, full account numbers, PINs, CVV, passwords, one-time codes, full SSN, security answers, unredacted IDs, or credentials.
- Do not provide unverified phone numbers or encourage calling numbers from suspicious messages.
- Do not guarantee that freezes, reports, police reports, replacements, refunds, chargebacks, or identity-theft protections will work.
- Encourage official institutional channels, verified agency sources, and professional guidance for identity theft, stolen passports, immigration documents, large losses, elder exploitation, or complex legal risk.
- If there is immediate danger, threats, coercion, robbery, stalking, or home security risk from lost keys plus address information, advise contacting emergency services, local authorities, building security, or trusted support as appropriate.

## Example Prompts

- "I lost my wallet an hour ago. Help me lock everything down."
- "My wallet had my debit card, driver's license, work badge, and insurance card. What should I do first?"
- "Build me a checklist for freezing cards and replacing IDs after losing my purse."
- "I think I left my wallet in a rideshare. Help me make the call list and action log."