Scam stories change, but pressure is a clue. An unexpected caller, message, or online contact may demand secrecy, insist that you act now, or tell you to move money to fix a problem or claim a prize.
Pause before you pay or share
The FTC warns about unexpected demands for payment by gift card, wire transfer, payment app, or cryptocurrency. A caller may pretend to be from a government agency, a business, a utility, a relative, or a prize organization. Pressure, secrecy, and instructions to move money are reasons to pause and check—not proof that you did anything wrong.
Verify the story independently
Do not use the link, callback number, or payment instructions in the unexpected message. Look up the organization yourself or use a number from a statement, member card, or official app. If someone claims a family member needs help, call that person using a number you already have, or ask another trusted person to help check.
If money or information was sent
Contact the bank, card issuer, payment app, or gift-card company as soon as possible using its official contact information. Explain what happened and ask whether anything can be stopped. You can report suspected fraud to the Federal Trade Commission at ReportFraud.ftc.gov. Save messages and receipts if it is safe to do so. Getting targeted by a scam is not a reason for shame; asking for help quickly is a useful next step.
This is general awareness education, not legal advice, financial recovery service, or investigation of an individual case.