Reporting unlocks reimbursement schemes and feeds intelligence used to stop the same crew.
What to do
- UK: under PSR mandatory reimbursement (Oct 2024) most UK-to-UK APP fraud victims are eligible — submit in writing; report to Action Fraud
- Australia: ask your bank about the Scam-Safe Accord; if refused, escalate to AFCA; report at scamwatch.gov.au and ReportCyber
- USA: dispute under Reg E for any unauthorised portion; check Zelle/PayPal scam protections; file at IC3.gov and FTC.gov
- If the scam impersonated a brand (your bank, ATO, HMRC, IRS), report it to that organisation directly
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JD
Written by
Jordan DicksonFounder, CyberSecurityGuides
Founder of CyberSecurityGuides, writing practical, jargon-free guides that help everyday people recover from and protect against online attacks.
Reviewed by CSG Security Engineers