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Discovering that you’ve been targeted by fraud can be stressful but knowing what to do next is crucial. Taking immediate action can help protect your personal and financial information, prevent further loss, and assist authorities in stopping fraudsters. Follow these steps to safeguard yourself and report the fraud to the appropriate organizations.

1. Stop communication and secure your accounts

The moment you recognize a scam or believe fraud has occurred, cease all contact with the fraudster. Do not respond to further calls, messages, or emails. If you’ve shared any personal or financial information, take steps to secure your accounts immediately:

• Change Your Passwords: Update passwords for any affected accounts, prioritizing financial, email, and social media accounts. Use strong, unique passwords and enable two-factor authentication (2FA) for added security.
• Notify Your Bank or Telecom Provider: If you’ve provided payment information, contact your financial institution to alert them of potential fraud and discuss any necessary account protections. If you suspect your mobile device, SIM card or account have been compromised, contact your telecom provider immediately.
• Check for Unauthorized Activity: Monitor your bank accounts, credit cards, and online profiles for any unusual transactions or changes.

2. Document evidence and stay vigilant

Keeping records of the scam can help both you and authorities in investigating fraud.

• Save Communications: Take screenshots or keep copies of emails, messages, or phone logs related to the scam.
• Note Key Details: Record important information, such as phone numbers, email addresses, website links, or any other identifiers used by the fraudster.
• Monitor Your Accounts: Continue checking your financial and online accounts regularly for signs of suspicious activity. Consider placing fraud alerts on your credit file if necessary.

3. Report the scam to the appropriate authorities

Reporting fraud helps prevent others from falling victim and allows law enforcement to take action against fraudsters. Reporting also allows other organizations to understand and track patterns.

Depending on the situation, report the fraud to the following organizations:

• Spam Texts: Forward suspicious text messages to 7726 (SPAM) to report them to your wireless provider, who can block the message content. You can also block and report them through the messaging apps on Apple iOS and Android devices.
• Fraud and Cybercrime: Report scams, identity theft, and online fraud to local police and the Canadian Anti-Fraud Centre.
• Threats or Safety Concerns: If you have been threatened, are a victim of a crime, or fear for your safety or someone else’s, contact your local law enforcement immediately.

4. Stay vigilant and informed

Fraud tactics are constantly evolving, but staying vigilant and informed can help reduce your risk. Consider subscribing to a reputable credit reporting organization that can help you monitor activities on your accounts and detect any suspicious transactions early. Staying informed about common scams and fraud trends is also crucial. Resources such as the Canadian Anti-Fraud Centre and GetCyberSafe.ca provide valuable information on emerging threats and tips for protecting yourself against fraud.