You paid by bank transfer or Zelle

Money sent this way moves fast. These steps help you ask your bank to stop or recall it and build the record a fraud claim needs.

What to expect

If someone moved money without your permission, federal rules protect you and banks usually pay it back. If you were tricked into sending it, getting it back is harder and depends on your bank. Either way, call right away, while a recall is still possible.

Source: FTC: Lost or stolen credit, ATM, and debit cards

Right now

Do these first

Don’t pay a “fee,” “tax,” or “final payment” to unlock anything. There is nothing to unlock.

Within 24 hours

While it’s fresh

In the weeks ahead

Keep an eye on it

Also gave out your Social Security number or ID?They have your identity or personal details Did they have control of your computer or phone?You gave someone remote access

Staying safe from here

Add layers of protection
Download the free Scamwise app to automatically block scam messages, flag scam calls, and check anything suspicious instantly.
Freeze your credit
It’s free at all three bureaus and stops anyone opening accounts in your name.
How to freeze your creditusa.gov
Turn on two-step verification
Start with your email and bank. It’s in each account’s security settings. With it on, a stolen password alone won’t get anyone in.
Hang up and call back
If a call, text, or email pushes you to act fast on money, contact the company using the number on its website or your card.
Expect a second attempt
People who’ve been scammed get targeted again, often by someone offering to help.

Scammers count on silence. Sending this guide to friends and family helps them act fast if it ever happens to them.

This page is general information, not legal or financial advice. Policies change and vary by institution, so confirm details with your bank or the official agency. Scamwise never charges victims and cannot recover funds.

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Featured in

Right now

Within 24 hours

In the weeks ahead

Did anything else happen?

Staying safe from here

Add layers of protection

Freeze your credit

Turn on two-step verification

Hang up and call back

Expect a second attempt

Help fight scams. Share the guide.

Stop scams before they reach you.