WHAT SHOULD I DO IF I AM A VICTIM OF A LOAN SCAM?
In the event that you have already become a
victim of a
loan scam, it is important that you be proactive and report
the crime. You don't want your perpetrator to get away with the
offence or rip anyone else off.
Develop a narrative
Begin by writing down as much info about your situation. Try and
include all that you can recall, but keep it to the point. Begin
by detailing how the scammer initially approached you and all
the steps in between to the point you were ripped off. You are
likely going to be asked 'what happened' by multiple agencies.
Therefore, it is a good idea that you write your story down so
that you are consistent, coherent and complete. The course of
recreating the details of the scam will enable you to remember
Communicate the crime to the FTC
FTC (Federal Trade Commission) is the first agency you
should file your complaint with. They will provide you with
complete instructions on how to file a complaint.
Communicate the crime to the IC3
(Internet Crime Complaint Center) is run by the National White
Collar Crime Center and the FBI. Once they are finished
processing your complaint, they will submit it to the suitable
law enforcement agency for further investigation.
Contact the Police
Get in touch with the police where the crime took place. For
example, if the scammer provided you with an Akron, Ohio
address, contact the Akron, Ohio police. However, it is likely
the scammer utilized a fake address. If a phony address has been
used, the police will likely be of little help. You can also try
reporting the crime to your local police. However, as mentioned
above, if a fake address has been used, the scammer will be very
difficult to track down. All in all, it is still extremely
important that you have a police report on file and that you
obtain a copy of said report for your own records.
Write a Letter to All Three Credit Bureaus
It is very likely that this scam is going to reach
beyond your finances and into your credit report. Since you
applied for a loan, it is likely that the scammer will have
sensitive information like your social security number, address,
phone number, etc.. Therefore, you are going to need to file
fraud alerts with the three major credit reporting agencies to
avoid becoming a victim of identity theft. Each of the
bureaus will send you free copies of your credit report once
your fraud complaints have been filed. Examine all of your
credit reports closely and determine if any of the accounts
listed were open fraudulently, without your permission. If you
are unfamiliar with credit reports, you can learn
read a credit report.
If you fall victim to a loan scam, feel free to
contact us. We will do our best to try and help you.
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