Disclaimer: We are not attorneys and don't pretend to be.

In our experience, the solutions offered in this section have proven to be effective; however, we always recommend that you consult with an attorney.

If you have doubts about Fraud Aid, do not hesitate to contact federal (FBI, Secret Service, RCMP) Scotland Yard, or local law enforcement to check us out.

 

Stay out of debt and stay out of jail:

The legal truth about work-at-home money, package, and check forwarding jobs

 

How to really verify a check

Your ID Theft Prevention To-Do List

What to do about threats from scammers

     

There is a lot of information on this page - please read everything carefully

You gave out your bank, credit union, credit card, PayPal, Post Bank, and/or other account number so that money could be wired or drafts could be deposited into the account and it hasn't happened yet.

You are going to be alright! 

You are not going to be arrested.

No one is coming after you for anything.

 

Credit card accounts • Bank accounts only

PayPal only • PayPal and PayPal registered bank, credit union, or credit card account

R Cease all correspondence with the scammers.  Do not open or answers their emails.  If you have caller ID, do not answer their calls.  If you do answer the phone, hang up as soon as you realize who is calling you.  If they persist, blow a whistle into the telephone.  If you are being threatened, please go here: http://www.fraudaid.com/threats.htm

R If you have been corresponding with the scammers by email and/or have gone to a web site they told you is theirs, you are at high risk of Identity Theft even if you have bad credit.  Go here: www.fraudaid.com/id_theft.htm.

R File a Scam Email Report with our Law Enforcement Support Division.  You will find step-by-step graphic instructions for your email service here: www.fraudaid.com/find_headers.htm.

MONEY ORDER WARNING! Counterfeiters are now inventing the names of money order companies.  DO NOT CASH any money order and DO NOT DEPOSIT any money order you receive from someone you do not know  or someone you met online without ordering your bank to send it for collection.

DO NOT WITHDRAW ANY FUNDS FROM YOUR ACCOUNT to spend or to send to anyone without asking your bank if they have been paid.  Even with a hold, your account is credited before your bank has been paid.   If the draft you deposited comes back because it was stolen, forged, or is a counterfeit you will owe your bank all the money plus return charges.  www.fraudaid.com/check_liability.htm

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You gave out your bank, credit union, credit card, PayPal, Post Bank, or other account number so that money could be wired or drafts could be deposited into the account and it hasn't happened yet:

Any funds that are transferred into your account as a result of a work-at-home scam will be money stolen from someone else's account.  Any deposited drafts will be forged, stolen, and counterfeit.

The following instructions are for residents of all countries.

Credit Card accounts:

 

Western Union and MoneyGram were designed to send money to friends and family, not to send money to strangers.

NEVER WIRE MONEY TO A STRANGER!

 

R Contact the credit card company stating that an unauthorized party has your account number and may be wiring stolen money into the account.

R Ask for a new card number or an entirely new account.

R If you are assigned a new card number, monitor your account very carefully.  It is possible, though rare, for fresh unauthorized  transactions using the old card number to be recorded on your account anyway.

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Bank, credit union, and PostBank accounts only:

R Contact your financial institution stating that an unauthorized party has your account number and may wire stolen funds into your account, or may make an unauthorized deposit of counterfeit drafts.

R Ask that the account be closed.

R Check back in a couple of days to ensure the account has been closed and that a service charge or interest credit has not kept the account open.

R Open a new account using your name configured in a different manner.  Example: instead of your full name, address, and telephone number, open the account with your first name initial and last name - no other information.

There's no point in providing your information to unknown parties every time you write a check.  This will also make it more difficult for criminals to forge your name since you are only providing your first name initial.

R Switch automatic deposits to the new account and inform depositing companies and/or agencies of the change.

R Switch your Bill Pay setup to the new account and inform the creditors of the change.

R Notify any companies whose bills are paid by automatic withdrawal of the change.

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PayPal only:

R Verify your PayPal account balance.

If funds have already been transferred into your PayPal account, go HERE.  Otherwise, continue below.

R Return the current balance in your PayPal account to the attached financial institution or credit card account.

R Check both your PayPal account and your attached PayPal bank account or credit card account the following day to ensure the funds belonging to you have been transferred out of PayPal.

R As soon as you have a zero balance in your PayPal account, contact PayPal and tell them that scammers have your PayPal access information and that you want to close this account and open a new one.

Tell them not to accept any deposits into the current account before it is closed.

R Go back the next day to verify that your PayPal account has been closed.

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 PayPal and attached bank, credit union, PostBank, or credit card account:

R Contact your financial institution or credit card company stating that an unauthorized party has your account number and may wire stolen funds into your account, or may make an unauthorized deposit of counterfeit drafts.

R State that you want your account flagged for now because you have to redeposit funds from your PayPal account before you can close your bank account (see above).

R Next, follow the instructions for PayPal above.

R Last, follow the instructions for bank and credit union accounts above.

R For credit cards, ask that new cards be issued or that the account be closed entirely.

If your circumstances do not fit the above solution and you have checked the MENU for solutions and have not found what you need, please write to so we can review your problem and offer alternate solutions or intervention.

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Did your bank freeze your account and report you to ChexSystems?

NO CREDIT CHECK

Account Now®

accepts automatic deposits and features Bill Pay!

 

 

 

 

 

 

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