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Identity Theft | Cyber Security Tips
I think I accidentally sent money to a scammer. Now what?
I think I accidentally sent money to a scammer. Now what?
Jonathan Livneh avatar
Written by Jonathan Livneh
Updated over a week ago

Unfortunately, scammers are always on the hunt for sensitive personal information and money that does not belong to them. They can definitely be convincing, and hundreds of people a day fall victim to their ploys. If you think you've accidentally sent money to a scammer, there are several things you can try to get your money back, so don't stress out quite yet.

If you sent money to a scammer via...

Credit/Debit Card: Contact the company or bank that issued the credit card or debit card. Tell them it was a fraudulent charge. Ask them to reverse the transaction and give you your money back.

If they made an unauthorized transfer from your bank account, contact your bank and tell them it was an unauthorized debit or withdrawal. Ask them to reverse the transaction and give you your money back.

Gift Card: Contact the company that issued the gift card. Tell them it was used in a scam and ask if they can refund your money. Keep the gift card itself, and the gift card receipt.

Venmo/Cash App: Report the fraudulent transaction to the company behind the money transfer app and ask if they can reverse the payment. If you linked the app to a credit card or debit card, report the fraud to your credit card company or bank. Ask if they can reverse the charge.

PayPal: You should be covered by PayPal Buyer Protection, but you can also file a dispute using the PayPal Resolution Center.

**You'll want to be sure the scammer didn't just use a fake PayPal branded web page to collect your bank details. If they did, contact your bank instead.

Zelle: Contact your bank and report the fraudulent transfer. Ask if they can reverse the wire transfer and give you your money back.

Apple Pay: Cancel or dispute the payment immediately in your Messages app. To do so, open the conversation and tap the payment. Under Latest Transactions, tap the payment then "Cancel Payment." If that's not an option, the person has already accepted the payment.

It can take 1-3 business days for the money to be refunded, depending on your bank.

Google Pay: Dispute, report, and cancel any of your Google Pay payments through the Google Pay app or by using the links in THIS article. You can also file a dispute for a fraudulent payment HERE.

MoneyGram: If you sent the transaction at an agent location, return to the same agent location and request it be cancelled or call MoneyGram at 1-800-926-9400.

Western Union: If you sent the transaction at an agent location, return to the same agent location and request it be cancelled or call Western Union at 1-800-325-6000.

Cryptocurrency: Contact the company you used to send the money and tell them it was a fraudulent transaction. Ask to have the transaction reversed, if possible.

Cash: If you sent it by U.S. mail, 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.

Going forward, you should only send money to people you know and trust. If you have a funny feeling about a payment you've sent or even received, there is probably a good reason. Go ahead and take the steps to cancel your payment and feel free to contact us if you don't see the payment method you used listed above.

Bonus: You can report the scam to the Federal Trade Commission at ReportFraud.ftc.gov to prevent situations like this happening again in the future and even build a case against your scammer. You're not alone here, and filing a report can help make a difference for others in the same position.

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