Call the bank
Use the number on your card. Say “fraud,” request an urgent recall and ask for a case reference.
If it has already happened
How to report a scam
Where to report a scam, what to gather first, and what never to do. Plus a one-step portal that builds your report pack in your browser.
01CallBank fraud line
→
02GatherOne evidence pack
→
03FileOfficial channels
The first hour
Stop replying
Do not announce the report or ask the person for a refund. Preserve the silent recall window.
Capture everything
Screenshot messages, profiles, payments, links and wallet addresses before accounts disappear.
Gather this before you report
Build one evidence pack and send the same version everywhere. Open a card for the detail.
Every messageConversation + timestamps
Keep the full conversation unedited. Export it if the platform allows; otherwise screenshot it in order.
The profileName + page + platform
Save the name, avatar, profile URL, where you met, and the group or page involved.
Every addressLinks + wallets + numbers
Copy links, wallet addresses, phone numbers and verification pages exactly, character for character.
The money trailAmount + date + reference
Include transaction IDs, references, amounts, dates and the payment method: card, bank, crypto or gift cards.
Your timelineStart + ask + payment
Write one short chronology: when contact started, what was requested and when money moved.
Where to report
File with the national centre and the institution that moved the money. Filing with both is normal.
United States
FTC ReportFraud + FBI IC3 + your bank’s fraud line.
United Kingdom
Action Fraud + your bank or card issuer.
European Union
Use your national centre; European Scam Awareness maps the correct route.
Anywhere
Your bank’s fraud line + the platform’s report-a-scam route.
Report the profile too. Platform reports can remove an account and preserve records that investigators may later request.
What never to do
- Do not re-engage the person. No "one last conversation to get my money back." The script is built for the follow-up — and the follow-up is where the second loss begins.
- Do not pay anyone to recover the money. No legitimate recovery path asks you to pay to start — the bank, the police, the regulator. A "recovery agent" who asks for a fee, or in crypto only, is the second hit: the same script in a new uniform. Read the case file on it.
- Do not report where the scammer tells you to. If a message instructs you to report somewhere, that instruction is part of the script. Report where your bank and your national centre say to.
Why the first hour matters. 94% of victims recover nothing (FTC, 2025) — but the money that does come back almost always came back because the bank was called before the funds settled or the crypto moved. The report is for the record; the bank call is for the money.
Build your report pack in one step
Paste the address, pick what it is, and get a ready-to-send abuse report with the right doors listed. It runs in your browser and stores nothing.