Learn

Plain-language guides on exactly what to do — and what to avoid — after the most common scams.

Last reviewed: September 2026

High Risk of Recovery Scam

Scam victims are often targeted again by fake “recovery agents.”

  • Anyone claiming “We can recover your money for a small upfront fee” is almost certainly a scammer.
  • Recovery is never guaranteed. No legitimate service charges an upfront fee to retrieve stolen funds.
  • Scammers buy victim lists — expect fake “hackers”, “officials”, and “lawyers” to contact you.
💸

What to do if I sent money to a scammer

Do this

  1. 1Call your bank immediately — ask them to stop or recall the transfer and freeze your card.
  2. 2If it was a card payment, dispute the transaction as fraudulent.
  3. 3Report to your country's official fraud/cybercrime authority (see Country Guides).
  4. 4Save every receipt, transaction ID, and message as evidence.

Do NOT

  • ✕Do not send more money
  • ✕Do not pay any 'recovery fee'
  • ✕Do not believe anyone promising guaranteed recovery
Learn more about this scam type
🏦

What to do if I gave a scammer my bank details

Do this

  1. 1Call your bank's fraud line and report the exposed details.
  2. 2Request that your card be cancelled and a new one issued.
  3. 3Set up account alerts and monitor statements daily for 30 days.
  4. 4Place a fraud alert on your credit file if available in your country.

Do NOT

  • ✕Do not share any OTP they request
  • ✕Do not 'verify' details by clicking their links
  • ✕Do not ignore unusual transactions
🔗

What to do after clicking a phishing link

Do this

  1. 1Do not enter any information on the page — close it immediately.
  2. 2If you entered a password, change it now from a different trusted device.
  3. 3Enable 2FA on the affected account.
  4. 4Run a trusted security scan if you downloaded anything.

Do NOT

  • ✕Do not reuse the compromised password anywhere
  • ✕Do not trust follow-up 'verification' calls
  • ✕Do not ignore other accounts using the same password
Learn more about this scam type
🔑

What to do after sharing an OTP

Do this

  1. 1Treat that account as compromised — change its password immediately.
  2. 2Contact the service to report unauthorized access and review recent activity.
  3. 3Never share another OTP; legitimate services never ask for it.
  4. 4Enable 2FA using an authenticator app, not SMS if possible.

Do NOT

  • ✕Do not give another OTP to anyone
  • ✕Do not approve any pending transaction
  • ✕Do not trust callers claiming to be from your bank
🛍️

What to do if an online seller scammed me

Do this

  1. 1Contact your card issuer and dispute the charge as 'goods not received'.
  2. 2Report the store and seller to your country's consumer protection body.
  3. 3Report the listing/website to the payment platform you used.
  4. 4Screenshot the product page, seller info, and order confirmation as evidence.

Do NOT

  • ✕Do not pay any 'customs' or 'release' fee
  • ✕Do not buy again from the same seller
  • ✕Do not ignore chargeback deadlines
📈

What to do after an investment scam

Do this

  1. 1Stop all payments — do not pay any 'withdrawal', 'tax', or 'gas' fees.
  2. 2Report to your financial regulator (SEC, FCA, BaFin, CONSOB, ASIC, SEBI, etc.).
  3. 3Report to your bank and the cybercrime authority.
  4. 4Preserve trading screenshots, wallet addresses, and all communications.

Do NOT

  • ✕Do not pay fees to withdraw 'profits'
  • ✕Do not trust anyone offering recovery for a fee
  • ✕Do not invest more to 'unlock' withdrawals
Learn more about this scam type
💼

What to do after a job scam

Do this

  1. 1Stop all payments and do not complete any more 'tasks'.
  2. 2Block the scammer and report the job posting to the platform.
  3. 3Report to consumer protection and cybercrime authorities.
  4. 4If you shared ID documents, place a fraud alert and monitor for identity misuse.

Do NOT

  • ✕Do not pay any 'equipment deposit'
  • ✕Do not share more ID or bank details
  • ✕Do not accept 'advance' payments that you must return
Learn more about this scam type
🔐

What to do if my account was hacked

Do this

  1. 1Try to reset the password from a trusted device; if locked out, use the provider's recovery flow.
  2. 2Revoke suspicious sessions, apps, and connected devices.
  3. 3Turn on 2FA once you regain access.
  4. 4Warn contacts that may receive messages from your account.

Do NOT

  • ✕Do not pay 'hackers' to recover the account
  • ✕Do not reuse the old password
  • ✕Do not ignore linked accounts (email, bank) that may be next
Learn more about this scam type
🚫

What to do if I paid a recovery scammer

Do this

  1. 1Stop all contact immediately — they will only ask for more.
  2. 2Report the recovery scammer to the same official fraud authority.
  3. 3Contact your bank to dispute the recovery payment.
  4. 4Document every promise and payment the recovery scammer made.

Do NOT

  • ✕Do not pay another fee
  • ✕Do not believe 'one last payment' stories
  • ✕Do not trust 'hackers' online
Learn more about this scam type

A note on privacy & safety

  • • GoCheckAI never asks for passwords, OTPs, private keys, or full banking credentials.
  • • We never guarantee that lost money can be recovered.
  • • Always report crime to official authorities in your country.

GoCheckAI is an independent informational and recovery-assistance tool. We are not a bank, police department, government agency, or legal service.

Get my action plan
Example scenario — illustrative only, not a real case

Example: a fake "bank refund" message

A user receives an SMS: "Your account is credited $499 pending verification. Confirm details here: [link]." The link opens a convincing bank login page that captures their username, password, and OTP. This is a classic phishing pattern. The correct response: do not tap the link, contact the bank via the number printed on the card, change the password from a trusted device, and report the message to the official anti-fraud channel. This example is fictional and provided only to help you recognize common scam patterns.

How GoCheckAI assesses scams

Want to understand how our scam checker works, what information we use, and our important limitations? Read our plain-language methodology.

How GoCheckAI Works

Sources & references

Our recovery guidance is based on publicly available official guidance from consumer-protection agencies, cybercrime reporting bodies, and cybersecurity organizations. Always verify the latest instructions on the official website for your country.

Last reviewed: September 2026