If you just realized you've been scammed, the next few hours are critical. This guide covers exactly what to do, in order, in both the U.S. and Canada.
In the First Hour
- Stop all contact with the scammer immediately. Block their number and social media accounts.
- Contact your bank — Call the number on the back of your card or your bank's official website. Report the fraud and ask about reversal options.
- Document everything — Screenshot all messages, emails, transaction records, and website URLs before anything is deleted.
Within 24 Hours
If You Sent Money by Bank Transfer
Contact your bank immediately. ACH transfers may be reversible if reported quickly. Wire transfers are extremely difficult to reverse but must still be reported.
If You Sent Gift Cards
Contact the gift card issuer immediately (number on the back of the card) and report fraud. Recovery is rare but possible if the card hasn't been used.
If You Sent Cryptocurrency
Report to the exchange the funds went through. File with the FBI at ic3.gov. Recovery is nearly impossible, but reporting is critical.
If You Gave Personal Information
Freeze your credit at all three bureaus immediately. Monitor your accounts closely for the next 12+ months.
Report the Scam
United States
- FTC: reportfraud.ftc.gov
- FBI: ic3.gov
- Your state attorney general's office
Canada
- Canadian Anti-Fraud Centre: 1-888-495-8501
- Local police (for a police report number, needed for bank disputes)
Sources: FTC; FBI IC3; Canadian Anti-Fraud Centre; Financial Consumer Agency of Canada.