Falling victim to fraud can be a harrowing experience – it’s sometimes difficult to know where to begin when it comes to addressing it. If you believe you’ve been scammed or defrauded, it’s crucial to act quickly to protect your personal information and finances. Here are some recommended steps to help you move forward:
Secure Your Accounts
If your account number and/or online banking has been compromised, an account changeover will be necessary. If you granted the scammers remote access to any of your web devices, It’s important to have these devices scanned and wiped by a reputable company. Change your online banking (and other sensitive account) passwords after. Be sure to create new passwords and PINs. Avoid using any known information like birth dates, SSN, phone numbers, etc.
Secure Your Personal Identity
If you’re the victim of identity theft or you have reason to believe that your identity is at risk, place a fraud alert on your credit with the three reporting agencies and review your credit reports. Call the toll-free numbers or visit their websites to place a fraud alert. Placing a freeze on your credit to shield it from unauthorized use is also beneficial. You are within your rights to dispute unauthorized use of your identity.
- Equifax | (800) 525 6285
- Experian | (888) 397 3742
- TransUnion | (800) 680-7289
Review Your Accounts and Credit History for Suspicious Activity
Review all your account statements and transaction histories for fraudulently made transactions so they can be disputed as quickly as possible.
Report the Scam
File a police report with your local police department or wherever the incident took place, especially if the scam involved identity theft or significant financial losses. Keep a copy of the report or at least a report number – also keep copies of your correspondences with the scammers. These may be necessary when disputing fraudulent charges. Report the scam to the Federal Trade Commission (FTC). You can also call the FTC’s toll-free hotline: (877) 438 4338
Report the Scam
Fraud is a very personal crime. Coping with the aftermath of being scammed can be a distressing experience, financially and emotionally. It’s important to remember you are not alone. Common resources for fraud victims include AARP (American Association of Retired Persons) and CFPB (Consumer Financial Protection Bureau).
Get Support
Fraud is a very personal crime. Coping with the aftermath of being scammed can be a distressing experience, financially and emotionally. It’s important to remember you are not alone. Common resources for fraud victims include AARP (American Association of Retired Persons) and CFPB (Consumer Financial Protection Bureau).
Consider Identity Theft Protection Services
There are many products and services engineered to help you monitor and protect your identity, including (but not limited to) IdentityIQ®.
Stay aware and alert to stop fraud before it’s too late.
Our Fraud Resource Center has plenty of tips and information you need to be aware of to keep yourself – and your information – safe!
