Scammed? Here is what to do right now
Breathe. Many people get money back when they act in the first hours. Tell us how you paid and where you live, and we will build your step-by-step plan.
Do these in order
Zelle money moves instantly between US bank accounts.
- Right nowCall your bank, not Zelle
Zelle disputes are handled by your bank. Say it was an impostor scam. Several large banks now refund some impostor-scam Zelle payments.
- Right nowReport the recipient inside your banking app
Use the "report a problem" option on the payment so the recipient's bank is alerted.
- This weekComplain to the CFPB if refused
consumerfinance.gov/complaint — banks must respond, and complaints often change the outcome.
- TodaySave every piece of evidence
Screenshots of chats, profiles, websites and receipts; phone numbers, emails, usernames, wallet addresses and transaction IDs. Do not delete the conversation.
- TodayWarn others
Report the website, number or wallet here so the next person who checks it is protected.
Report it in United States
Shares your report with 3,000+ law enforcement agencies.Report internet crime to the FBI
Required for crypto and online scams; include transaction IDs.Identity theft recovery planBank complaint (CFPB)
If your bank refuses a fraud claim.Forward scam texts
Forward the text to 7726 (SPAM) — free on all major carriers.AARP Fraud Watch Helpline
Free support for anyone, any age: 877-908-3360.
Dispute letter generator
Fill in what you know. We create a formal letter for your bank, card issuer or payment app. Nothing is saved.