What you need to do after being scammed

Scams are more common than one might think. It's a horrible experience that could happen to anyone regardless of age, gender, or occupation. If you've fallen victim to a scam, here's what you need to do:

Stop communicating with the scammer

Most scams involve a stranger posing as someone else asking you to send money or important personal information. If someone contacts you and turns out to be a scammer, it's important to cease all communications with that person immediately.

If they reached you through social media, report their account to the platform. You could also block them so they can no longer message you or view your profile. If they're impersonating an Australian business, reach out to your state or territory's fair trading organisation.

Contact your bank

If you've lost money from your bank account through an unauthorised transfer, let your bank know and ask them to stop any transactions. You should also inform your bank if someone has accessed your personal information, as it may be used to steal your identity, take out loans in your name, or other fraudulent activities.

For those who had their credit card or debit card compromised, lock your cards quickly using your online banking app or report it to the bank's customer care hotline. Acting as soon as possible can help stop more fraudulent transactions from being made.

If you're unsatisfied with how your bank has handled your situation, you can report your experience to the Australian Financial Complaints Authority, or most commonly known as AFCA.

You can also lose money through crypto, money transfer apps, and gift card scams. If that happens, contact the platform or company responsible.

Get help from IDCARE

For those who experienced scams, identity theft, and cybercrime, you can get help from IDCARE, a non-profit service that's here to support victims. With their help, you can create a plan to limit the damage of the cybercrime you experienced and know how to move forward.

IDCARE's expert team can guide you through this troubling time by creating a response plan. They provide ongoing assistance, as well. This means you can call them for assistance as long as you need or until you can get back on your feet.

Reach out to IDCARE by calling 1800 595 160 or by answering the form on their website.

Report the scam

After securing your personal accounts, you can help others from falling for scams by reporting them to Scamwatch, the National Anti-Scam Centre. You can file an official police report online, as well.

Warn people around you about scams, as they may be targeted, as well. It helps others be aware of the types of scams or fraud out there. And this also encourages people who have fallen victim to seek help and report their experience.

Stay vigilant

Scammers won't stop even after they've stolen your money or information. Often, they come back for more. In cases like these, it's important to keep your guard up and know the telltale signs of a scam.

If you've lost money to a scam, keep an eye out for new scams that offer to get your money back. In these desperate situations, those who've already been scammed may be susceptible to being scammed again. Knowing what to watch out for and being sceptical of special offers can protect you from further damage.

Seek mental health support

There is a sense of self-blame that comes after you get scammed. For many, being a victim of a scam makes them feel embarrassed or ashamed. These negative feelings, coupled with the financial trauma of being scammed, could take a huge toll on your mental health.

It's best to reach out to someone who can provide comfort and support. Don't be afraid to talk to friends and family about your experience. Or get in touch with support services like Lifeline or Beyond Blue to make sure you're in a good mental place.

You can contact Lifeline Australia by calling 13 11 14, texting 0477131114, or chatting with them on their website. Their services are available 24/7. Beyond Blue also offers support. You can call them on 1300 2246 36 or chat with a counsellor online.