Wait, Check FirstScam & Fraud Protection
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Think You Got Scammed? What to Do Right Now

Being deceived is nothing to be ashamed of. Scammers deliberately create fear and urgency. Acting quickly can make a real difference, so start with these steps.

Call 619-453-0165Email contact@waitcheckfirst.com

Do these steps now

  1. Stop all contact. Hang up, don’t reply, and don’t send any more money or codes, even if they threaten you.
  2. Call your bank or card company using the number on the back of your card or on your statement, not a number the caller gave you. Ask them to stop or reverse payments and watch your account.
  3. If you gave someone access to your computer, turn it off the internet and don’t log in to your bank on it until it has been checked.
  4. Change your passwords, starting with your email and bank, from a different, safe device.
  5. Write down what happened: dates, phone numbers, names, amounts and how you paid. Keep receipts and messages.
  6. Tell someone you trust. You don’t have to handle this alone.

If you gave out information

  • You gave a scammer your bank information: call your bank right away using the number on your card or statement. Ask them to watch or close the account.
  • You shared a verification code (a code sent to you by text or email): change the password for that account right away, and call the company if it’s your bank or email.
  • A scammer accessed your computer: disconnect it from the internet, call your bank, and change your passwords from a different device.
  • You gave your Social Security or Medicare number: watch your statements, and consider freezing your credit with the three credit bureaus.

If you already paid

  • Gift cards: call the company that sold the card (the number is on the back) and ask them to freeze it. Keep the card and receipt.
  • Bank transfer, wire, Zelle or a check: call your bank right away and ask them to stop or recall the payment.
  • Credit or debit card: call your card company and dispute the charge.
  • Cryptocurrency or cash: these are very hard to get back. Report it quickly (see below) and never pay anyone who promises to “recover” your money for a fee.

How to report elder fraud

  • National Elder Fraud Hotline: 1-833-372-8311 (1-833-FRAUD-11), run by the U.S. Department of Justice
  • FBI Internet Crime Complaint Center: ic3.gov
  • Federal Trade Commission: reportfraud.ftc.gov
  • If you’re in danger or being threatened: call 911

Can I get my money back after a scam?

Sometimes, if you act fast. Card charges and some bank payments can be disputed or stopped. Gift cards, wires, cash and cryptocurrency are much harder. The sooner you call, the better your chances.

This page is general guidance, not legal or financial advice, and it can’t guarantee money will be recovered. For help making a plan for what to do next, call us.

Want help working out what to do next?

Call for the fastest response, Monday to Friday, 8:30 am – 5:00 pm. Serving San Diego County.

Call 619-453-0165 Email contact@waitcheckfirst.com

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