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If you just sent money to a scammer—or found a transfer you didn’t make—contact the bank, app, or transfer service that moved the money now. Give the transaction details, explain exactly what happened, and ask whether it can be stopped, recalled, reversed, or refunded. Act quickly, but don’t assume recovery is guaranteed.
What to do first
- Contact the provider that sent or processed the money. Call your bank or credit union, payment app, wire-transfer company, or card issuer using contact details from its official app, statement, or website. Say the payment is connected to a scam or, if you did not make it, that it is unauthorized. Provide the amount, date, recipient, and transaction or reference number. Ask whether the provider can stop, recall, reverse, or refund it. The FTC recommends contacting the company used to send the money right away, but a reversal is not assured: FTC: What To Do if You Were Scammed.
- Describe who initiated the transfer accurately. If you tapped “send” because someone deceived or pressured you, say so; ask what options the provider offers. If another person accessed your account and initiated the transfer without actual authority, report it as an unauthorized transaction. Don’t call a payment unauthorized if you personally initiated it. Those facts can matter when the institution assesses the dispute: CFPB Regulation E guidance.
- Save records while you act. Keep the receipt, transaction ID, messages, emails, usernames, phone numbers, and screenshots that may help the provider understand what happened. Record when you contacted the provider and any case number or instructions it gives you.
- Report the scam to the FTC. File at ReportFraud.ftc.gov. A report helps the FTC track and respond to fraud; filing one does not itself return the money. See the FTC’s scam response guidance.
- Secure accounts and information the scammer may have seen. Change any exposed password, including reused versions on other accounts, and enable multifactor authentication or a PIN where available. If you shared your Social Security number, use IdentityTheft.gov for a recovery plan.
Who to contact depends on how the money moved
| Payment route or situation | Contact | What to ask or report |
|---|---|---|
| Bank transfer or bank-sent wire you were tricked into making | Sending bank or credit union | Report a scam-related transfer and ask whether it can be reversed or refunded. A transfer you authorized after deception is not automatically the same as an unauthorized electronic transfer under Regulation E. FTC; CFPB. |
| Wire sent through a money-transfer company, such as Western Union, MoneyGram, or Ria | The transfer company | Report the fraudulent transfer immediately and request a reversal or refund. Options and contact procedures depend on the company. FTC. |
| Payment app transfer you personally sent to a scammer | The app | Report it through the app or its official support channel and ask whether the payment can be reversed or refunded. App payments can be difficult to recover. FTC; FTC mobile payment app guidance. |
| App payment funded by a linked debit or credit card | The app and the card issuer or bank | Report the app payment to the app; separately ask the issuer or bank about disputing the linked card charge. The app transfer and the funding-account charge are distinct transactions. FTC mobile payment app guidance. |
| Transfer initiated by someone who accessed your account without authority | Your bank or credit union and any relevant app or payment provider | Report it as unauthorized, explain how access may have occurred, and give prompt notice. Certain fraudster-initiated peer-to-peer transfers and transfers made with fraudulently obtained credentials can meet Regulation E’s definition, depending on the facts. CFPB Regulation E guidance. |
Why it matters whether you sent the money
Under CFPB guidance, an unauthorized electronic fund transfer is generally one initiated by someone other than the consumer, without actual authority, from which the consumer receives no benefit. A fraudster who takes over an account and sends money may fit that definition; a payment the consumer personally initiated after being deceived is a different set of facts. Don’t guess which legal category applies to your case. Tell the provider exactly what happened and ask it to assess the dispute under the applicable rules. The CFPB’s guidance concerns U.S. consumer accounts and electronic fund transfers; it does not establish a blanket reimbursement rule for every app payment or scam.
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What to expect when disputing an unauthorized electronic transfer
For unauthorized transactions covered by the rules, CFPB consumer guidance says the bank or credit union generally has 10 business days to investigate. If it determines an error occurred, it must correct the error within one business day and report its findings within three business days. These are error-resolution timeframes, not a promise that every scam payment qualifies as an error or will be reimbursed. The CFPB consumer answer stating these timeframes was last reviewed August 28, 2026: CFPB: What is an electronic fund transfer?.
Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.
Watch for a second scam
After a loss, someone may contact you claiming to be law enforcement, a government agency, an attorney, a nonprofit, or a recovery specialist who can retrieve your money for a fee. Don’t pay upfront, share financial or personal information, or trust caller ID or contact details supplied by an unexpected caller. Independently look up the organization’s official contact information. The FTC warns that legitimate government agencies and organizations do not charge to obtain a refund or guarantee that you will recover funds: FTC: Refund and Recovery Scams.
#1 Best Overall
Veltec ID Protector Ink Roller - Identity Theft Protection Roller Stamp Set (Blue, Stamp+3 Refills)
- SHIELD YOUR PRIVACY WITH THE ID DEFENDER ROLLER STAMP: Tired of worrying about your personal information falling into the wrong hands? The ID Defender Roller Stamp offers a simple yet effective solution. With a unique wide camouflage pattern, it quickly and easily conceals sensitive data on a variety of surfaces.
- PRIVACY PROTECTION: useful not only as an ADDRESS BLOCKER or ID POLICE, but also keeps away preying eyes from invoices, authority documents, checks, bank statements and many more.
- SIMPLE TO USE: Just remove the cover and swipe. The wide swipe makes it easy to cover sensitive information.
- VERSATILE APPLICATION: Ideal for a variety of documents, including contracts, court documents, shipping labels, tax returns and more.
- LONG-LASTING INK: The high-quality ink works on both glossy and standard paper and provides up to 330 feet of coverage.
What reported losses say—and don’t say
In a July 22, 2026 alert, the FTC said that in 2025 people reported more than $4 billion in losses to scams paid by bank transfers and cryptocurrency combined. That figure is not a bank-transfer-only total and does not predict whether a particular payment can be recovered: FTC: A way to spot scams—how someone asks you to pay.
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Bestseller No. 4
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Mimorou 4 Pack ID Security Roller Stamps, 5 Inks, Red, Yellow, Blue, Green | Wide Privacy Roller for Mail Address Blocker, Confidential Security Ink for Bills, Identity Protection Refill Cartridges
- Personal Information Protection: there are 4 pieces of address blocker roller stamps in 2 different sizes, and 5 pieces of 1.5 ml inks, a total of 9 pieces. Mainly applied to hide information such as social security numbers, bank statements, billing addresses, shipping addresses, tax documents and so on, protecting your personal information
- Re Inking Unlimitedly: the information blocker stamp can cover information of the length about 100 meters. And each security stamper roller has an oil hole, so you don't have to worry about you having to throw away the roller stamps when the ink runs out. They can be refilled with oil for repeated use, saving time and energy
- Cover Fast: our identity protection rollers come in 2 different sizes, and you can choose different sizes according to different areas of information to cover large amounts of private information in a fast and clean way, avoiding identity theft and rejecting privacy disclosure harassment
- Easy to Use: just remove the lid on the ID stamp blocker roller and open it, and then gently slide it on the place where the information needs to be covered. It is suitable for most ordinary paper with black words, and can protect your personal privacy in time
- Save Time and Energy: compared with the shredder, the personal confidential stamp has a small size, easy to carry, can be applied anytime and anywhere. Compared to the marker, it covers a larger area and can be quickly covered with a single swipe. There is no need to worry about whether you can not protect your privacy in time
Rank #4
Mimorou 4 Pack ID Security Roller Stamps, 5 Inks, Yellow
- Personal Information Protection: there are 4 pieces of address blocker roller stamps in 2 different sizes, and 5 pieces of 1.5 ml inks, a total of 9 pieces. Mainly applied to hide information such as social security numbers, bank statements, billing addresses, shipping addresses, tax documents and so on, protecting your personal information
- Re Inking Unlimitedly: the information blocker stamp can cover information of the length about 100 meters. And each security stamper roller has an oil hole, so you don't have to worry about you having to throw away the roller stamps when the ink runs out. They can be refilled with oil for repeated use, saving time and energy
- Cover Fast: our identity protection rollers come in 2 different sizes, and you can choose different sizes according to different areas of information to cover large amounts of private information in a fast and clean way, avoiding identity theft and rejecting privacy disclosure harassment
- Easy to Use: just remove the lid on the ID stamp blocker roller and open it, and then gently slide it on the place where the information needs to be covered. It is suitable for most ordinary paper with black words, and can protect your personal privacy in time
- Save Time and Energy: compared with the shredder, the personal confidential stamp has a small size, easy to carry, can be applied anytime and anywhere. Compared to the marker, it covers a larger area and can be quickly covered with a single swipe. There is no need to worry about whether you can not protect your privacy in time
Rank #3
Vantamo Identity Theft Protection Roller Stamp for Hiding Sensitive Information, Wide Confidential Stamp with 6 Ink Refill, Security Stamp Roller for Identity Theft Prevention, Classy Blue
- The id defender roller is the ultimate tool for guarding your personal data at home or in the office. Prevent identity theft by quickly masking sensitive information on mail, documents, or labels, giving you confidence that your details remain private and secure with Vantamo id theft protection.
- Effortlessly block out sensitive text with the label cover up identity protection, designed for quick, one-handed use. No more scraping off all shipping labels or doing a lot of swipes with a marker! Even first-time users will find the process intuitive and straightforward, making it a practical label eraser roller for anyone!
- Vantamo wide rolling privacy marker is fully refillable and arrives with 6 ink refill for self inking stamps ensuring lasting performance. Don't run out when you need it the most. The ink is specially designed for hiding information.
- Our address blackout stamp not only protects your privacy but also helps the environment. After using the roller on your documents, the paper is ready to be safely recycled, making this address eraser a smart alternative to shredding or tossing documents.
- Here at Vantamo, we are creating products that people love! We are committed to providing excellent customer service on every black out stamp. If you ever have questions or concerns, our team is here to help, ensuring your id defender delivers reliable protection and peace of mind every time.
Rank #2
Nezyo 2 Pack Identity Protection Roller Stamp 4 Pack Refill Ink,Yellow | Confidential Privacy Stamp, Information Blocker for ID, Account, Data and Address Security, Prevents Identity Theft Risk
- Protect Your Privacy Effectively: you can use this identity protection roller stamp to flip personal information in under 2 seconds and save time and effort, effectively hiding and protecting your personal information, such as phone numbers, social security numbers, bank statements, shipping addresses, tax documents,data, billing addresses and many more
- Ideal Replacement for Shredder: if you are still using a shredder to shred cards or papers that are printed with your personal information, this security stamper roller will be an alternative tool to block out your privacy effectively and easily
- Refillable and Long Term Use: this confidential stamp can cover a total length of up to 100 meter/ 109 yards, approximately 3,200 prints are covered, pattern width is about 0.78 inches; When ink runs out, you can refill the security stamp with ink
- Easy to Use: just continuous roll the address blocker roller stamp to conceal information, and roll on a second layer for maximum protection, works on paper, envelopes, folders, address labels, etc., please note that may not work on smooth surfaces
- How to Refill the Ink: there are 4 pieces of ID stamp refills, each is about 1.5 ml, you just need to unscrew the cap of the ink bottle (not disposable, you can close the cap for next time of use), then insert it into the hole on the side of the stamp, then turn it upside down, about 5 minutes later, the most of the ink will be replenished to the security roller stamp
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