Identity Theft Scammer

Scammed Online? Get Your Money Back

Report Online Scams

So you’ve been scammed… Me too! And guess what, I got my money back! You need to read this fast because you need to act fast.

Have you ever been scammed online?

View Results

Loading ... Loading ...

What payment method did you use when you were Scammed Online?

View Results

Loading ... Loading ...

First and foremost, there are two things you can do right now to help your situation.

1. Call your bank or credit card company immediately after you realize you have been scammed.
2. Call your Police non-emergency number and file a report. Explain your situation and see what they can do for you. Filing a report is a good idea in case you need to provide it to your bank and/or credit card and credit agencies (depending on your circumstances).

I’m writing this tutorial because I was recently scammed in a domain sale at SitePoint.com. I paid $275 via Paypal for a certain domain name promised to me at Sitepoint.com. Once I sent payment, the “seller” (let’s call him Mr. McScammer) private messaged me and said that he was going to go to dinner and send the domain after he gets back. Red flag #1.

I’ll admit that I fell into this scam partly due to my ignorance. The best thing you can do to prevent this kind of nonsense is simply keep caution when you participate in ANY online transaction. Although there are times where you just get caught up in a shady transaction. I’m not calling you stupid, you can be the judge of that. Either way, there’s hope. Read on.

“How do I get my money back if I’ve been scammed online?”

Step number 1:

How did you pay? If you paid via Paypal like I did, log into your account and view the details of the payment you just sent. Scroll down and find where it says:

Need help? If you have problems with a transaction or would like assistance settling a dispute with your seller, visit the Resolution Center. PayPal strongly recommends attempting to resolve this issue directly with the merchant or seller whenever possible.

Click ‘Resolution Center’ and open a dispute. Do whatever you need to do, write whatever you need to write to get the dispute open. The point is to get the dispute opened ASAP.

Step number 2:

Call or go to your nearest bank location. Don’t hesitate with this, time is crucial. I was lucky enough to get this taken care of in time. I actually emailed at first (not smart), then they told me to call them.

Speak to one of your bank representatives and explain your situation. I told my bank that I was recently scammed out of $275 and would like to issue a Stop Payment. This is what you need to get as well. They should give you a “dispute form” of some sort. If you’re at the bank in person, have them walk you through it. The form they give you is a legal contract that you’ll want to carefully fill out. Basically the Stop Payment does exactly what it’s titled, it stops the payment from your bank to whoever (in this case Paypal). Your bank will most likely charge you a fee to do this (mine was $25). You will also need to get this notarized if they can’t do it for you. Since I wasn’t at my physical bank in person, I had to go to UPS and have them notarize it for $10. Just do this as fast as you can and don’t think twice about the fees. It’s worth it assuming you’ve been scammed out of a decent amount of money.

Stay in contact with your bank. Just make sure they’re processing the form as soon as possible. They should be doing all they can to help you. If you get scammed, they get scammed in a sense.

Step number 3:

You’ve now done all you can do really. From here, I do my best to in any way try to contact the actual scammer and tell him/her that you’re willing to escalate the situation with legal action if your money isn’t returned within 24 hours. Don’t give them more than 24 hours. If they don’t give it back to you within that amount of time, they’ll never give it back most likely. DO NOT BEG. Depending on the amount at stake, it may be tempting to get on your hands and knees and beg for your money back. It won’t work. You expect that it will? Scammers have no heart. I don’t even consider them real people :). Overall, keep your cool. Your bank will now take care of it.

You might have to wait between 24-72 hours for the stop payment to take affect. Once it does, Paypal should email you a message like this:

Dear Your Name,

You recently attempted to transfer funds from your bank account to your PayPal account.

Your bank has declined the funds transfer.

We were unable to cover your payment to [email protected] with funds from your PayPal balance.
While this transaction had already been flagged as unauthorized, our external processor could not be prevented from completing the representment process. Your Back-up Funding Source will not be charged to make up the funds. This could mean that your PayPal account balance will go negative, but this is merely an interim accounting step that will be corrected when we have completed our review of this transaction.
For current information on your account balance and transaction history, please login to your PayPal account.

Don’t freak out. This is a good thing. Paypal is saying that your bank has declined the transfer of funds for the transaction specified in the Stop Payment Dispute form you filled out from your bank.

Paypal will most likely limit your account access due to the situation involving fraud. You’ll need to change your password, security question, and confirm you’re really you by having them call you and enter a PIN number they give you. It’s just a security procedure. Do that and you’re account will be back to normal.

That’s all I had to do to get my money back. I ended up having to pay a total of $35 for the notary and Stop Payment fee from the bank.

I hope this helps at least ONE person. If it does then this article is deemed useful. Good luck to everyone.

Stay safe, stay smart.

Top 10 Scams

The Better Business Bureau published an Infographic that gives you good insight into the top 10 scams to avoid. Although it’s dated (2010), it’s still relevant.

Top 10 Scams Infographic

Did this article help you at all?

View Results

Loading ... Loading ...

282 Comments

  1. I ordered shoes from the “nike” website and as i ve read the comments on google after i have been SCAMED.The problem is that i didnt think about it and i payed with credit card and not with pay pal :-( I ve got the mail that differnet name will appear on my bill and i ve got 2 adresses for “any suggestion” and ofc noone is answering.AT LEAST I VE LEARNED MY LESSON

  2. Hey Kylee,
    I got scammed by a so called modeling agency. They advertised that they were looking for new models and I sent them my pictures. They called the following day and told me they would like to sign me up on shoot with big companies. That I had to pay 25$ a month. Since it wasn’t I paid. But I made sure that it wasn’t an automatic mentatly payment. Just when I’m checking my paypal this evening, I found out that the payment will be authomatic each month…At this point I became suspicious and did my research online about the company…… When I went back to PayPal, to cancel the transaction, they had already cashed in the money in their account. What should I do now?? I know it not a lot, but I hate letting scammers have their ways. Please help

  3. Yesterday I got scamed into shipping my Xbox one that I was selling I regret it allot lost 400 dollars but sad part they have my name and adress I dont live in the states but still I feel bad. Life experience be cautious online and never trust anyone who dosnt pay before shipping. Any advices email me at [email protected]

  4. I was scammed out of $1500! I was trying to purchase a car from an ad on craigslist… She had a third party to receive the money through ebay so I sent a moneygram! Is there any way you can help me get my money back?

  5. Hello, I got scammed on ebay by a woman called Melanie Scollen from Whitley Bay, Tyneside (UK). I didn’t use paypal so I can’t get the money back that way. I think ebay should take some responsibility but they never do. If anyone has any details of Melanie Scollen ie. whether she is working, or where she is living I would be grateful. I lost £6,300 thanks to a fraud conducted by her and her accomplices. I obtained a county court judgment against her, and I understand she was also found guilty of fraud by North Tyneside Magistrates Court last year. I hope they threw the book at her. Any information on this person would be greatly appreciated.

  6. I got scammed by a bogus seller of electric guitar on Facebook. They said they could not accept PayPal as had no account set up.

    I was encouraged to send payment via Bank transfer to their Halifax. Mr Steven J Wilson, Sort code 11-00-08 Account number 10806862, Name on account Mr Steven J Wilson. Address stated to be 39 Jubilee street, Llandudno, LL30 2SQ.

    The IBAN transaction for £500 went through from my bank with no glitches, but an hour later the seller contacted me via Facebook with a copy of mobile phone text message from Halifax stating that the transaction had failed and that my funds were being returned to be with 24 to 72 hours. He asked if I could send money again as it was now sorted out with his bank. So I sent using IBAN another £500. Again 4 hours later he messaged me again with same Halifax message saying it had again been rejected by his bank for same reason, a fault in the transfer. Could I send him the money again. I said NO and demanded more info from his Halifax bank based in Leeds. At this point I realized that I was at the victim of a SCAM.

    To cut a long story short. The guitar pictured for sale was a stolen image from a USA based owner, the guitar never existed to be sold, and the Scammer got away with £1000 from my bank.

    The Police have tracked the Scammer, a woman in Accrington, via her bank details. There is a criminal Police investigation following now.

    It looks unlikely that Lloyds bank (my bank) will make any refund to me despite that fact that their banking system enabled him to steal money from me.

    I am a pensioner and I am very angry with the situation especially my bank.

    Anybody else had a similar experience?

  7. My husband and I responded to an email supposedly Donald Trump supporting this dropshipping job, work at home, etc. All it cost was 9735.00 one time and in no time I would be making 1,000’s. We tho’t if we could make 3-400 month it would help supplement our social security checks. They are working with us all of a sudden someone from their company says that we have to have all this tax stuff… LLC, accountant, etc..since we are going to make money, we need the LLC protection. Well, we still not making money… then another dude calls us and says we won’t make money like the first guy is telling us how…. we need to spend another 8-10,000.00 and we will really start making money… We won’t give him another credit card…… to charge that…. at this time we call the state attorney generals office… they say call your credit card company immediately.. you have been scammed. We have called them… and are waiting… almost 14,000.00 in scam.

  8. I’ve just been scammed :'( I’m an 18 year old mom and I applied for a loan online. But because I recently turned 18 I had no credit at all so they said they required collateral of 615 so I sent it as they asked through western union and then I waited the 3 hours to see if my loan went in my bank. It didn’t I called back and she said that I need to buy insurance for the loan which was 1230 but I said I couldn’t and she said okay they are willing to offer you to send another 615 which sounded much better then an extra 1230 so I sent it again. It’s been 3 days I have got nothing! My two year old daughter and I have been starving I’m at -238 with my bank and have no family. It is so hard to tell a little girl that she can’t eat because people are cruel! I don’t know what to do we are going to be evicted!

  9. Hey guys i really dont know about the scam of a thing but i recommend [email protected] for an untraceable real hacking job and PI for scammed victim to track down and trace the scammer, with much experience on the previous guy that scammed me he helped me trace and recover back my lost money..he also help me hack my ex’s email, facebook, whatsapp,and his phone conversations through the software i payed him for and installed remotely on my phone cause i suspected he was cheating. all he asked for was his phone model, no physical contact.if you need help hacking any social site without password he will surely help tell him Adele referred you..he will surely help you out..you can thank me
    later…

  10. I just got scammed by coince.com, a so called bit coin system over $7000.00 I can’t talk much. I have no hope to get the money back, I’m down everything looked so perfect …

  11. I recently was scammed thru my daughters gmail account, lost 1250 dollars for a truck that never was thru the site offer up. My granddaughter also lost 1500 dollars thru the same site. She worked all summer to buy her first car. The person pretended to be in the military and her husband died four months ago. Same story from both of our contacts. We only realized this when we conversed days later. No one should be called an American, who takes the military’s name and scams people, none the less, even a 16 yr old, minor, and they knew it. Told her it was a great first car. Not only that, they are trying to sell the same car to my daughter, Jessica. I used Amazon gift cards and the site said Amazonpayments. When I called a different number I was told I was scammed and there was no way to track the gc.????? The thieves had to use the numbers I gave them to purchase something on Amazon.com, so I don’t understand. I am going to file a complaint with the authorities but we are still out 3700 dollars. How unamerican?????

  12. i have been scamed by an phone website, i payed by western union a week ago and now is when i realise that i am beeing scamed!!! the already picked up the money… what can i do to get my money back??? please help

  13. Just found out I was scammed, it really sucks. I’ve been stressing about paying some bills and filled out some forms online for a personal loan. I don’t have good credit and I get monthly checks that I barely get by on. So, I’m posting this as a warning that it doesn’t happen to anyone else. How I’ll get by this month, I don’t know. I was desperate and needed money and I wasn’t thinking clearly. I received an email stating I was approved for a loan and to email them back. So I did, then I received a call from this guy named Alex Dowson “904-402-9356 — email: [email protected]” (here’s a phone & email) What I’m about to put should have been a red flag, put like I stated, I was stressed and wasn’t thinking clearly. They said they need to verify my bank account by depositing money into my account that I have to send it back. (Again all red flags but I wasn’t thinking clearly) They told to go to a Dollar General and use the money from the deposit they did and get itune cards for the exact amount that was deposited into my account. So I did that, twice and then they asked that I pay 350 for something, I couldn’t hear the guy over the phone. I tell them that I want them to fix the overdraft caused from the mobile deposit and I’m not interested in the loan if I have to pay something to get it. That is when I realized I was scammed and I really don’t know how to pay back that kind of money. I already talked with my bank and I really don’t know if they’ll help with my situation. I’m overdraft $2000 dollars and I really wish I wasn’t so desperate for extra money to pay my bills.

    Here is more information the fake loan approval I got from the email.

    Capital Finance
    1351 N Gadsden Street
    Tallahassee
    Florida 32309
    Loan Approval letter

    Thank you for showing your interest in the Loan with our company capital finance and this is the confirmation e-mail to let you know that the loan application you applied for has been approved.

    Your loan has been approved for the minimum of $2,000 and the maximum is $10,000, and your Loan Account Number is AP-xxxxxx
    Please call us back on our number or reply to this e-mail so that we can call you and explain you the terms and condition of this loan.

    Also we have mentioned below the monthly installments plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments.

    To know more about monthly installments plans for this loan amount please call us back on the number below.

    Furthermore, we would like to share that once the loan is transferred into your account the first monthly installments will be due within the first 30 days on the date you will give the authorization for.

    For more information you can get back to us on our number 904-402-9356
    We look forward to hear from you.

    Our aim is to transfer the loan amount by today itself into your checking account!”

    — Reads all good until its to late and you realized you’ve been scammed. —
    — Please past this along, its not right what this people are doing, I may be out some money I might not get back but other people don’t deserve to fall victim to this. —

  14. Hello, i got scammed on western union, a guy “bought” a pair of shoes by senting me a fake paypal link wich said that he added the price and once i made the shipment i would get the money, though after is shipped it i never got the money. Then he told me that paypal didnt allow less that 500 dollars to be trunsfered between the 2 countries and he said that i had to pay him via wester union the price of 340 so that i would get 500 on paypal! No i lost the shoes pluss my money wich i need for my mother… I have his adrees and email and everyhting but he isnt asnwering to me…So, what can i do? ……

  15. Hi Kyle. I got the scam.Its look like my landlord emailed to me , told me to send payment different account he gave me a routing number , account number , and the name and the bank, but it wasn’t my lanlord. As soon as I found out that wasn’t my lanlord, the money already gone, it was 15 days later. I called the bank make the report but they say it’s my writing my signature so they can not do anything. It is any advice, please, is it more than 7,000$. I’m just so upset at myself

  16. Hi Kyle, I have been scammed out of £7000 over a year by an online scammer Bloombex-options.com who does Binary options. I only found out because they have robbed me of £4600 by changing their website without notice, the problem is I had £4600 left in my account. Please can you advise me, can I get my money back?

Comments are closed.