Gather all evidence: messages, emails, receipts, screenshots, phone numbers, usernames, transaction records, and dates
Write a clear timeline of what happened
Identify the scammer’s name, contact details, accounts, websites, and payment methods if known
Save original files and do not delete anything
Contact your local police department or non-emergency number
Ask to file a fraud or scam report
Bring or submit all evidence and your timeline
Provide your full contact information and any witness information
Ask for a police report number or case number
Report the scam to your national fraud reporting agency if applicable
Report the scam to the bank, payment app, credit card company, or money transfer service used
Freeze or cancel compromised accounts and cards
Change passwords for affected accounts
Monitor your accounts for unauthorized activity
Follow up with the police if new evidence appears