What To Do If You’re Scammed Out of Money

A blonde woman holds her head in frustration as she leans over a desk full of work materials.
Tools and resources

If you have banking questions, we can help.

Learn more.

Scammers are tricky and can fool even the smartest people. Learn what to do to get your money back.

Scams come at us from so many directions, including emails, phone calls and texts. Sometimes they look truly legit and even the savviest person can fall victim. If you’ve been scammed out of money, here are some next steps you can take to get it back.

Take action quickly

As soon as you realize you’ve been scammed, immediately take action by contacting the third party who handled the transaction. Contacting the third party doesn’t guarantee that you’ll get your money back. However, the sooner you act the more likely it is that the situation can be remedied.

From the list below, identify who to contact and ask the third party to reverse the transaction and get your money back.

How Fraud Occurred:  Who to Contact:
Credit or debit cardCard issuer
Unauthorized bank account transferYour bank
Gift card purchaseThe company that issued the gift card; have the gift card receipt on hand, and if possible the gift card itself


Through a wire transferThe wire transfer company
Through a money transfer appThe company behind the app; if the account is linked to a debit or credit card contact the card issuer
You paid with cryptocurrencyThe company used to send the money
You sent cash by mailThe U.S. Postal Inspection Service at 877-876-2455; ask them to intercept the package


Document the details

Make sure to document all details about the scam transaction so you can share it with the party that handled the transaction and the authorities.

Make notes of anyone you talked to, phone numbers, messages received, dates and times. If the scam started with a text or email, keep the message. If a fraudulent charge shows up on your credit card statement, keep a digital or paper copy.

Report the scam to the FTC

Reporting a scam helps law enforcement to build a case against scammers. If you were scammed, report it to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

Take advantage of identity theft protection through Consumers

When you hold a Consumers Mastercard® debit or credit card you’re automatically eligible for Mastercard® ID Theft Protection™. Should your identity ever be stolen, you’ll get help from experts who will help your resolve the matter. Explore ID Theft Protection program details to learn how you’re protected.

If your Consumers debit card is lost or stolen

If your Consumer debit card is lost or stolen it could be used for fraud. Let us know about it right away by phone at 800.991.2221 or in-person at any Consumers office. Learn more about how Consumers replaces lost or stolen credit cards.

Consumers provides banking services for more than 120,000 members. If you have banking questions, call us at 800-991-2221. We make it easy to bank how you want, when you want.

Federally insured by NCUA

Tools and resources

If you have banking questions, we can help.

Learn more.

Leave a Reply

Your email address will not be published. Required fields are marked *

  1. Alex Russell Pham says:

    I was scammed out over $650,000 from a girl lied about her health problems

  2. Lisa Pickren says:

    My whole bank account was wiped out by these people. I just got paid today and now I have nothing no money, food, and can’t pay my bills. Can you please help me?

  3. James Maxwell says:

    Can I get money back after being scammed?

Enter your email address to receive notifications of new posts by email.

Get awesome new content delivered straight to your inbox.