If you think you are a victim of a credit card or bank account scam, we recommend that you act immediately by following our guidelines below, and then proceed to our ReportRecover, and Reinforce sections for further assistance. A credit card or bank account scam can wreak havoc on your financial well-being.

Some Immediate Action Steps to Take

  • Collect all relevant documentation related to the scam and keep them in a secure file. You may need to provide this documentation when you file a report.
  • Call your bank, financial institution or credit card provider to close or change any compromised accounts.
  • Change passwords and pins for any of your affected accounts.
  • Go to annualcreditreport.com to obtain a free copy of your credit report, add a fraud alert or freeze your credit on Experian, Equifax and TransUnion in one place.
  • If you need to contact one of the credit reporting companies, their customer service numbers are:
  • Contact your State Consumer Protection Office for help.

Report

Reporting cybercrime incidents to the FBI Internet Crime Complaint Center (IC3) is very important! The more national reporting data that is collected, the better the chance law enforcement has to catch the criminals and decrease online crime. Although the FBI does not resolve individual complaints directly, they will make your report available to local, state and other law enforcement partners. The FAQs about reporting can be found here. Please read the FBI/IC3 privacy policy here. (If you believe that you’ve received a phishing email, please forward the email directly to spam@uce.gov and
reportphishing@apwg.org.)

Recover

These resources have been gathered, selected and vetted to help simplify the process of recovering after a cybercrime incident has taken place. You may need to contact organizations outside Fraudsupport.org. Results will vary depending on your circumstances.

Reinforce

Once you have notified the appropriate organizations and you are on the road to recovery, it is time to reinforce your cybersecurity using these resources and tools.

Implement Preventive Measures

  • Keep your financial and personal records in a secure, locked storage box or password-protected electronic file.
  • Updated security on the devices you use to access your financial accounts.
  • Report lost or stolen credit or debit cards immediately.
  • Shred all documents that include financial or personal information before discarding them.
  • Review bank and credit card statements regularly.
  • Routinely monitor your credit reports at annualcreditreport.com.
  • Be cautious at ATM kiosks, gas pumps, and other places where credit or debit cards are often used.
  • Create strong passwords. Learn how from ConnectSafely.org.
  • Always enable a two-step/factor verification on your email, social media and other online accounts – which requires an additional code to log in.