What to Do in the First 24 Hours After Being Scammed: A Senior’s Emergency Guide
Discovering you have been scammed is devastating. The shock, shame, and fear can be overwhelming. But what you do in the next 24 hours can make a significant difference in limiting your losses and potentially recovering your money.
Take a breath. You are not alone, and there are steps you can take right now.
Hour 1-2: Stop the Bleeding
If You Gave Bank Account Information
- Call your bank immediately—use the number on the back of your card
- Report the fraud and ask to freeze your accounts
- Request new account numbers and debit/credit cards
- Ask about their fraud protection policies
- Set up alerts for any transactions
If You Sent a Wire Transfer
- Contact the wire service immediately (Western Union, MoneyGram, or your bank)
- Request a wire recall—time is critical as funds may still be retrievable
- File a fraud complaint with the service
- Get a confirmation number for your complaint
If You Paid with Gift Cards
- Keep the cards and receipts—they are evidence
- Call the gift card company (number on back of card)
- Report the fraud and provide the card numbers
- Ask if any balance remains or can be frozen
If You Gave Remote Access to Your Computer
- Disconnect from the internet immediately
- Shut down your computer
- Do not use it until a professional has checked for malware
- Change all passwords from a different, secure device
Hour 2-4: Secure Your Identity
If You Shared Your Social Security Number
- Place a fraud alert with one of the three credit bureaus (they must notify the others):
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
- Consider a credit freeze—this prevents new accounts from being opened in your name
- Request free credit reports from annualcreditreport.com to check for unauthorized accounts
If You Shared Medicare/Insurance Information
- Call Medicare at 1-800-MEDICARE to report the compromise
- Contact your health insurance provider
- Monitor statements for unauthorized medical claims
Hour 4-8: Report the Scam
Reporting serves two purposes: it may help recover your money, and it helps protect others from the same scam.
Essential Reports to File
- FBI Internet Crime Complaint Center (IC3):ic3.gov
- The FBI tracks internet fraud nationally
- Keep your complaint number for reference
- Federal Trade Commission:reportfraud.ftc.gov
- The FTC shares reports with law enforcement nationwide
- Local police:
- File a police report—you may need this for insurance or credit disputes
- Get a copy of the report number
- State Attorney General:
- Find your state’s consumer protection office
- Complete state-by-state reporting guide
Hour 8-24: Document Everything
While details are fresh, create a record of what happened:
- Write down the timeline of how the scam unfolded
- Save all evidence:
- Emails and text messages
- Phone numbers that called you
- Websites you visited
- Names or company names used
- Transaction receipts and confirmation numbers
- Screenshot any communications before they disappear
- Record all report numbers from banks, police, and agencies
The Days Ahead: Recovery Steps
Monitor Your Accounts
- Check bank and credit card statements daily for the next month
- Review credit reports monthly for six months
- Watch for unfamiliar accounts or inquiries
Beware of Recovery Scams
Warning: Scammers often target previous victims again, posing as government agents or lawyers who can “recover” your money for a fee. This is always a scam. No legitimate organization charges upfront fees to recover fraud losses.
Get Emotional Support
Being scammed is traumatic. Please remember:
- It is not your fault. Scammers are professional criminals who manipulate people for a living.
- You are not alone. Intelligent, educated people fall victim to scams every day.
- Talk to someone. A trusted family member, friend, or counselor can help you process what happened.
- National Elder Fraud Hotline: (833) 372-8311—free support and case management
Help Others by Sharing Your Story
When you are ready, consider sharing your experience to help protect others:
- Share your story on our website
- Talk to friends and family about what happened
- Warn your community about the specific scam you encountered
Your story could save someone else from the same fate.
Quick Reference: Emergency Numbers
- National Elder Fraud Hotline: (833) 372-8311
- FBI IC3: ic3.gov
- FTC: reportfraud.ftc.gov
- Equifax Fraud Alert: 1-800-525-6285
- Medicare: 1-800-MEDICARE
- Social Security: 1-800-772-1213
Learn How to Protect Yourself: Free Online Training
For more detailed state-specific resources: Complete Reporting Guide
