There's so many reasons why a bank wouldn't want to know anything more about a lost credit card, besides that it's lost.

• The person who's claiming they found a lost credit card could just simply know the credit card number, and doxxing for the owner's information.
• The bank wouldn't want to send their wholesome customer to meet some vagrant who found their missing card.
• Giant banks like BofA and Chase would need to spend a ridiculous amount of money to establish a system of returning lost cards to their owners, it's cheaper and simpler to reissue a new card.

I imagine, depending on the bank, when someone reports their credit card is lost or stolen, the bank closes the entire account, i.e. card number, and issues a new number/account, importing all the previous account's transactions, settings, and preferences.

I'm curious about something, if a bank changes a credit card number due to loss or theft, is the card owner's credit score affected in any way? Because the card owner has demonstrated irresponsibility by losing their card, or putting themselves in a position for it to be stolen. And yes, when a credit card account is closed and reopened, it shows up in a credit report, with the closure note usually saying "closed without prejudice" or "closed due to loss/theft".

But it shows the same thing if the bank forcibly closes an account due to a merchant or bank data breach, which the card owner wouldn't be responsible for. Since that's the case, I can't imagine a credit rating system would ding a person's score if the owner didn't have anything to do with its loss... I believe I've answered my own question.

Speaking of irresponsibility, I've lost my credit card twice, but reported it as damaged both times because I didn't want to change the number. And I don't regret it either, as I found the credit card both times. The first time I left it in a coat pocket that I rarely wear, and the second time it was in my car, in between the seat and center console.