CHICO — So I know I generally use this column to warn of the different scams going around but this time I wanted to focus on something different: what to do if you have been scammed.
While it can sometimes be easy to identify scams for what they are, there is always a chance of someone being more sly than the average scammer or for the scam to initially seem harmless. Here are some quick tips for how to handle being on the raw end of a scam.
Luckily, the Federal Trade Commission has plenty of resources.
If you gave money
Let’s say the transaction is over and the scammer has your money. The first step is to immediately contact your bank if you used a credit card, debit card or transfer.
Ask the bank to reverse the transaction to give you your money back. Banks typically have resources to deal with these scenarios and the sooner you contact your bank, the better your chances to halt the payout or turn it around, leaving the scammer scammed.
If you paid someone with a method outside of your bank, such as a gift card or wire transfer, you’ll need to contact the company associated with the method. For example, if a gift card was purchased through a business, you’ll need to reach out to that business. Keep the receipt for the gift card as proof of purchase.
For wiring money, contact the transfer company and explain that it was a fraudulent transfer.
Sending cash means you’ll need to get in touch with the United States Postal Inspection Service by calling 877-876-2455…
