What to Do after You've Paid Someone You Think is a Scammer

Wednesday, September 29, 2021
   
Woman with her head in her hands

Scammers can be very convincing. They call, email, and send text messages trying to get our money or personal information. They often target specific communities and frequently use scare tactics. And, unfortunately, they're good at what they do.

So if you’ve already paid someone you think is a scammer, what’s your next step?

  • Act quickly. If you think you’ve sent money to a scammer or government impersonator, contact La Cap or your credit card company you used to send the money. Tell them that it was a fraudulent transaction. You may be able to get the charge reversed and get your money back.

  • Did you send a wire transfer through a company like Western Union or MoneyGram? If so, contact the wire transfer company. Tell them it was a fraudulent transfer. Ask them to reverse the wire transfer and give you your money back.

    • MoneyGram: 1-800-MONEYGRAM (1-800-666-3947)

    • Western Union: 1-800-325-6000

Scammers often ask people to pay using wire transfers. The FTC brought successful cases against both Western Union and MoneyGram, and the companies agreed to return hundreds of millions of dollars to people who were tricked into wiring money to scammers using their services. The settlements also required both companies to make changes to make it harder for scammers to use MoneyGram or Western Union to defraud customers.

  • Did you send cash? If so, chances are it’s gone. But contact the U.S. Postal Inspection Service at 877-876-2455 and ask them to intercept the package. To learn more about this process, visit USPS Package Intercept: The Basics. If you used another delivery service, contact them as soon as possible.

If you spot a scam, tell your loved ones and people in your community about it so they can avoid it, too. Then tell the Federal Trade Commission at ReportFraud.ftc.gov. Your reports can make a huge difference in knowing what’s happening in your community.

Stay Safe with La Cap

La Cap is committed to protecting your information and keeping your account safe. Learn how you can keep your personal finances safe from fraud.

Check out our Fraud Prevention Resources for more tips to help keep you safe!