You might have already thought you have been a work-at-home scam target. If this is the case, then you can find out here what to do. You have to act immediately and report it, do everything to get your money refunded, and have the tools for the future to defend yourself.
Make absolutely sure you were actually scammed and not just provided with poor service, before blaming a corporation or individual for conning you.
For example, an online retail company can have some disputes about sending goods to representatives without them even being ordered in the first place. An example of a similar scam case is worth exploring on the Octapay scam info website. If the people that are accusing a firm had read the contract, however, they would have known that the firm had a monthly subscription policy. This is not generally called fraud.
How to Get Paid Back
If you have been scammed, and they took your money, it can be tricky to return it. There are a few steps though that you can apply to attempt to get it back.
For example, by collecting evidence.
Capture all the documents, bills that prove you have paid for a product or service, financial records, addresses, emails, and any other evidence of interaction or exchange with the entity that you might have had. Contact details, reimbursement policies, and any details you need to pursue compensation should be available in these records. If you do not possess these details, you will most probably not get the help you are seeking for. So, gather everything you can and use it against the scammer(s).
Demand a Refund!
The only way to resolve the issue if you want your cash back would be via the business that has scammed you. An investigation could be established if you report the company to the authorities, but law enforcement and customer protection agencies will not particularly help you retrieve your money.
If you have already tried to call or email the firm you have a problem with and it was unsuccessful, send a formal letter with delivery confirmation so that you have evidence that your letter was received on the firm’s behalf. If your complaints are not answered by the firm, you can try the next move.
Inform Your Bank About Your Problem
You can still contest charges if you utilized your credit/debit card. If you are found to be a victim of fraud, there are numerous banks that will provide you a refund. Every bank has its own set of rules on what is deemed as fraud, so consult with yours to learn more.
If you are worried about being charged by the scammers on a regular basis, shutting down the account may be the best choice.
Informing Authorities about the Scam
In the event that you do not get refunded, you can always file charges against the scammer in the hopes of putting them out of business. There are many places where you can file a complaint.
— Contact the State Attorney General’s Office or the Secretary of State. Declare the scam to the Attorney General’s Office or the Secretary of State in the state where the business is headquartered. Contact the state where the company is located, even though you might be living in another state. You will find the Attorney General’s Office by searching for the state’s name and Attorney General’s Office on Google. For instance, ‘ Pennsylvania Attorney General’s Office’.
— The local police department. The local law enforcement may or may not be in a position to assist, based on the scam, but the awareness of the scam becomes widely distributed so that others do not get scammed. In certain areas, the police can contact the local news stations to inform the public about the scam.
— The Federal Bureau of Investigation Internet Crime Complaint Center (FBI IC3) investigates allegations of cyber-crime, which necessitates detailed and complete information. They will collaborate with federal, state, local, or international enforcement agencies or regulatory agencies with authority to intervene after reviewing the complaint.
— The Federal Trade Commission (FTC) won’t be able to help you with your particular issue, but if enough people submit similar reports, the FTC will investigate the scammers and bring them to justice.
— There is also this site: fraud.org that might help you! It is an initiative of the non-profit organization National Consumers League, which is committed to consumer protection. This service will not be able to refund you, but it will report your case to the relevant authorities.
— The Better Business Bureau (BBB) is another great source to report fraud to. A business does not necessarily have to be documented at the BBB to file a complaint. Simply file a complaint in the business’s principal area of operation. The Better Business Bureau can even contact the firm in question on your behalf to try and settle your issue. Individuals searching for details on the BBB will see the complaint, which may prevent future scams.
— The United States Postal Service. If the fraud involves the Postal Service, you can notify the regional postal worker or report it online. This covers fraud including envelope stuffing, bogus prizes, mail fraud, and forged checks, among others.
Steering Clear of Future Scams
If you keep your distance from shady, suspicious, and unconventional online sites, you will most definitely never become a scam victim ever again. If you research well and review all the specifics of the company offering a job, or product prior to signing up, you will not be scammed. Here are some pointers on how to stop work-at-home scams:
- Firstly, you have to identify the tactics scammers use to mislead you. They can use tricks like promoting on-trend services or products, pressuring you into buying something or starting a subscription, or claiming that you were selected for a special purpose.
- Get to know routine scams like counterfeit checks (prevent this by never authorizing a company to conduct business through your personal bank account), automatic emails, email processing, gifting services, pyramid schemes with businesses that don’t actually have any products, and so on.
- Do a fast Google search on the company to see what others have to say.
- Make a complaint to the Better Business Bureau (BBB). Not all companies are listed with the BBB, and just because a company isn’t reported with the BBB does not always imply it’s a fraud. The BBB is only one example of a valuable resource.
- You should never pay money to be hired for a job. Employers who conform to the law will not require payment to recruit you (but there are some companies that charge for a background check).