Definition of a scammer: Someone who is extremely savvy and willing to devote hours to work, day and night. And we wish would put all that knowledge to better use.
Scammers are money and identity thieves who are after you 24/7, and you have to be cognizant of that. Yet despite articles, seminars and other reminders, even the wariest of consumers can still be victims of a scammer.
Here’s what to do if you’ve fallen victim to money or identity thieves.
What to Do When You’re Scammed Out of Money
Don’t hide what happened, even if you feel embarrassed. This is common mistake consumers make – they don’t want anyone to know they’ve fallen for a scam.
Consumers should take action as soon as they realize that fraud occurred:
- Disconnect your internet connection and turn off your computer. Turn off your phone.
- Using a “safe” computer, make a report online to USA.gov website page. The Federal Trade Commission (FTC) takes fraud very seriously and investigates it vigorously. It is free to make this report on the website.
- Do a credit freeze. Freeze all financial accounts, including bank accounts, investment accounts, credit card issuers, PayPal, and others, such as a money transfer app.
- Report to local law enforcement and make a police report. This is also free to do.
- Make a personal recovery plan, which includes establishing new accounts, such as at your bank and with your credit card company.
- Have your computer checked by an IT specialist.
