Even careful people run into trouble. Acting fast and in order limits the damage. Keep this as your calm checklist.
If you see a charge you did not make:
- Freeze or lock the card right away. Most apps have a “lock card” button you can tap yourself, instantly.
- Call your bank using the number on the back of your card, and report the charge to start a dispute.
- Change your password and turn on 2FA if you have not.
If you gave information to a scammer:
- Call your bank immediately to stop or reverse any payment and protect the account.
- If you shared personal details, make a free recovery plan at IdentityTheft.gov (an FTC service).
- Report it at reportfraud.ftc.gov. If the victim is an older adult, call the National Elder Fraud Hotline at 833-372-8311 (Mon to Fri, 10am to 6pm ET).
If money was sent by Zelle, wire, or gift card: contact your bank and the payment service at once. Recovery is not guaranteed, but fast reporting gives the best chance.
A quick example. You spot a charge you did not make, tap “lock card” in the app, then call the number on your card. The bank opens a dispute and sends a new card. Handled.
What to do:
- Lock the card yourself, then call the number on the card.
- Use IdentityTheft.gov and reportfraud.ftc.gov if information was shared.
- Do not feel ashamed; report it. Reporting helps stop the scam for others.
General education, not financial advice.