Scammers are determined to catch people off guard during these stressful times. If you suspect that you are a victim of wire fraud, it’s important to act quickly. Take these steps immediately:
- Contact your financial institution immediately upon discovering the fraudulent wire transfer and request that they make attempts to stop it.
- Request that your financial institution contact the corresponding financial institution where the fraudulent wire transfer was sent.
- Notify your local Federal Bureau of Investigation (FBI) office as soon as you suspect a fraudulent wire transfer. The FBI, working with the U.S. Department of the Treasury Financial Crimes Enforcement Network, might be able to help return or freeze the funds.
- Be sure to file a complaint with the FBI, regardless of dollar loss. www.ic3/gov
- Notify all affected or potentially affected parties.
- Change all your passwords. If possible, change usernames as well.
- Whether the scammer contacted you via email or phone., report the incident to the Federal Trade Commission (FTC) at 1.877.382.4357 or online at www.ftc.gov/complaint
WHAT LAW ENFORCEMENT NEEDS TO KNOW:
When contacting law enforcement or filing a complaint with the Internet Crime Complaint Center, identify your incident as “BEC/EAC”. Then provide the following helpful information to investigators:
- Date and time of incident
- Amount transferred
- Originating financial institution name and address
- Beneficiary name
- Beneficiary financial institution name and address
- Beneficiary account number
- Correspondent bank if known
- IP, email address and/or phone number of fraudulent accounts
- Incorrectly formatted letterhead or email signature
- Description of contact with the scammer, including frequency and timing of calls and emails
- Describe if something just seemed “off”, such as timing, requests for secrecy or immediacy, and/or unusual wording in the fraudulent phone calls of emails.