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La semana pasada, lanzamos la celebración del Mes de la Herencia Hispana con ideas sobre cómo reconocer y evitar las estafas. Esta semana, el tema que nos ocupa es qué hacer si crees que le pagaste a un estafador. Puede que estos pasos no se apliquen a tu caso, pero es probable que algún familiar, amigo o miembro de tu comunidad pueda aprovecharlos. Así que, por favor, ayúdanos a compartirlos dentro de tu comunidad.

Los estafadores pueden ser muy convincentes. Llaman por teléfono, envían emails y mensajes de texto tratando de quitarte dinero o información personal. Suelen apuntar contra comunidades específicas, incluida la comunidad latina, y con frecuencia usan tácticas para asustar a la gente. Y, lamentablemente, tienen talento para hacer lo que hacen.

Así que, ¿cuál es tu próximo paso? si ya le pagaste a alguien que crees que es un estafador.

  • Actúa rápidamente. Si piensas que le enviaste dinero a un estafador o a alguien que simula trabajar para el gobierno, comunícate con el banco, compañía de tarjeta de regalo o tarjeta de crédito que usaste para enviar el dinero. Infórmales que fue una transacción fraudulenta. Luego pídeles que la reviertan y que te devuelvan el dinero.
  • ¿Enviaste una transferencia a través de una compañía como Western Union o MoneyGram? En ese caso, comunícate con la compañía de transferencias de dinero. Diles que fue una transferencia fraudulenta. Pide que reviertan la transferencia y que te devuelvan tu dinero.
    • MoneyGram: 1-800-MONEYGRAM (1-800-666-3947
    • Western Union: 1-800-325-6000

Los estafadores con frecuencia piden a la gente que pague con transferencias bancarias. La FTC ganó casos contra Western Union y MoneyGram, y las compañías aceptaron devolver cientos de millones de dólares a personas que fueron engañadas para transferir dinero usando sus servicios a estafadores. Los acuerdos también requirieron que ambas compañías hicieran cambios para hacer más difícil que los estafadres usen MoneyGram o Western Union para defraudar a clientes.

  • ¿Enviaste dinero en efectivo? Si así fuera, es probable que haya desaparecido. Pero comunícate con el Servicio de Inspección Postal de EE. UU. al 877-876-2455 y pídeles que intercepten el sobre o paquete. Para más información sobre este proceso, visita USPS Package Intercept: The Basics. Si usaste otro servicio de entrega a domicilio, comunícate con ese servicio lo antes posible.

Si detectas una estafa, cuéntaselo a tus seres queridos y a los miembros de tu comunidad para que ellos también puedan evitarla. Luego cuéntaselo a la Comisión Federal de Comercio en ReporteFraude.ftc.gov. Tus reportes pueden marcar una enorme diferencia para saber lo que está ocurriendo en tu comunidad.

Dejar un comentario es su elección. Para dejar un comentario, tiene que crear un nombre de usuario. De no ser así, no podemos publicar su comentario. La ley Federal Trade Commission Act autoriza la recolección de esta información con el fin de monitorear comentarios al blog. Los comentarios y los nombres de usuarios formaran parte del sistema de la FTC de registros públicos, los nombres de usuarios también formaran parte del sistema de la FTC de registros de usuario de computadora.

Puede que usemos rutinariamente dichos registros cómo se describe en el sistema de avisos publicados. Para más detalles sobre qué hace la FTC con la información personal que recolectamos, por favor lea nuestra política de privacidad.

El propósito de este blog y su sección de comentarios es informar a los lectores acerca de la actividad de la Comisión Federal de Comercio (FTC) y compartir información con los lectores para ayudarlos a evitar, reportar y recuperarse del fraude, las estafas y las malas prácticas comerciales. Valoramos sus opiniones, ideas e inquietudes y alentamos los comentarios. Pero tenga presente que este es un blog que está bajo moderación. Revisamos todos los comentarios antes de publicarlos y no publicaremos comentarios que no cumplan con nuestra política de comentarios. Esperamos que los comentaristas traten a los redactores del blog y entre sí con respeto.

  • No publicaremos comentarios fuera de tema, comentarios idénticos y repetidos, ni ningún comentario que incluya promociones de venta.
  • No publicaremos comentarios que incluyan mensajes vulgares, ataques personales que mencionen nombres, o términos ofensivos dirigidos contra personas o grupos específicos.
  • No publicaremos amenazas, declaraciones difamatorias, ni sugerencias que alienten actividades ilegales.
  • No publicaremos comentarios que incluyan información personal, como números de Seguro Social, números de cuentas, domicilios residenciales y de email. Para presentar un reporte detallado sobre una estafa, visite ReporteFraude.ftc.gov.

No editamos los comentarios para eliminar el contenido objetable, así que asegúrese de que su comentario no contenga ninguno de los contenidos mencionados anteriormente. Los comentarios publicados en este blog pasarán a ser de dominio público. Para proteger su privacidad y la de otras personas, por favor, no incluya información personal. Las opiniones de los comentarios publicados en este blog pertenecen exclusivamente a los individuos que las expresan. No pertenecen a la Comisión Federal de Comercio (FTC) ni representan sus puntos de vista.

higgs1104
September 27, 2021
I was scammed out of more than $5,000 via wire transfer through my Bank of America account, I reported to the police department, and called BOA to reverse the transfer and BOA refused...
dcifuentes2001
September 27, 2021

En respuesta a por higgs1104

what did they refuse to do? your comment isn't posted totally, But I think that the banks should implement more secure ways to protect consumers. After all, they are the ones holding our money.
MsLynn
September 27, 2021

En respuesta a por higgs1104

I was scammed out of $1500 and BOA said it was my fault, they had warned me with emails. But I was sick in bed and never got to my computer. I had to accept the loss.
Mon92721
September 27, 2021
Gift card companies will not return your money . They don't care if it's fraud or not.
Liliana
October 02, 2021
Buenas noches que pasa si una persona .e da su nombre completo paraq le deposite dinero por wester union.. y después de tres días me doy cuenta que era una estafa y ya lo cobro .. wester me devuelve el dinero o se pierde.
FTC Staff
September 27, 2021

En respuesta a por M.G.Don't use …

Gift cards are for gifts, not for payments.

But they’re popular with scammers because they’re easy for people to find and buy, and they have fewer protections for buyers compared to some other payment options. They’re more like cash: once you use the card, the money on it is gone. Scammers like this.

If someone calls you and demands that you pay them with gift cards, you can bet that a scammer is behind that call. This FTC article tells more about gift card scams.

activeinvestin…
September 27, 2021

En respuesta a por FTC Staff

That's an unnecessary clarification, of course they are for gifts it's in the name. Suggesting that the word Gift prevents you from getting your money back regardless if you were scammed because you gave your money instead of paying it is nonsense, that technicality is precisely what makes those cards a choice for scammers and that statement "Gift cards are for gifts not payments" is expected from scammers not from FTC staff.
rosie12day
September 27, 2021

En respuesta a por Mon92721

They definitely don't care. I bought an Amazon gift card and when I went to use it it was invalid. I contacted Amazon and they looked into it and would still not refund the money. I was out the money and very disheartened with Amazon. I don't know how the card was used prior, but, I am out the money and they just don't care.
higgs1104
September 27, 2021
I also reported to FTC the fraud unit and nothing happened.. I am still out $5,000. Between filling out all the reports and contacting BOA, a long process of spending a few days... and nothing happened.
Salvador
October 02, 2021
Fui estafado por $ 1050.00 dólares por colombianos que se escudan en una empresa de inversiones i.trader que operan vía redes sociales y que te hacen creer que que estás invirtiendo en la bolsa y que puede obtenerse una renta en proporción a lo que se invierte. Desde el principio lleva la intencionalidad de estafa. Una salvadora me contactó que había sido estafada por diez mil dólares. Es una alerta para más personas y no sabía que por las operaciones dadas podía ver la devolución de mi dinero.
FTC Staff
September 27, 2021

En respuesta a por higgs1104

The FTC uses reports like yours to investigate and bring cases against fraud, scams, and bad business practices. The FTC isn't able to respond to each report individually, and it can't take action on behalf of individual consumers. When you submit your report, we offer you next steps you can take to protect yourself or recover from fraud. If you include your email address in your report, we'll also send you an email with these steps. You can read more about what happens after you report in these Frequently Asked Questions

Nran
September 27, 2021
I was scammed last week it was had to pay the scammer the gift cards worth $4,500/- They tried to frighten me and even when I called the Amex Credit card company from where the gift cards were bought they said no then I called the Police and they have all my details just waiting to see what happens. I need to fight it out because I do not want those cheats to get that money.
rubi2021
September 27, 2021
It's not fraud if you buy the gift cards and give the scammer gift card information. Banks can't reverse these transactions. Best defense is to spread the word to all family & friends to Never buy gift cards and give out number to someone you don't know.
Jak2021
September 27, 2021

En respuesta a por rubi2021

This is what happened to me last year. Once I had given the gift card info to the scammers, they were off and running. I contacted the gift card companies and requested their help to get the money back. They wouldn’t help. Even when I asked to have them alert their store vendors to let customers know about the scam, the card companies wouldn’t. They didn’t want to scare consumers away from buying them, or tarnishing their own brands…
Granny
September 27, 2021
Gift cards are cashed IMMEDIATELY and are not refundable. Sad but true!
Crazt caron't …
September 27, 2021
Can steam cards be used for sending computer files or data updates
Don't use your…
September 27, 2021
I used gift cards.. reported it & nothing done!
pmoncrief7155
September 29, 2021
I had over 8 messages on my voicemail stating I won an Publisher Clearing House Sweepstakes and for me to call them back; which I did. The person on the phone was telling me I won all this money and he need to take some personal information from me so he can send the money. I told him before I can send my information he need to send me information letting me know he is legit. He agreed to send a mail with Publisher Clearing House information on it, Which I never got! So I decided to call Publisher Clearing House myself. They said that they will never call anyone on the phone. They will send you an email or a post card in the mail stating you won. He told me "what ever you do, Do not give out your personal information" because it is a scam. So the moral of the story if someone call you asking for personal information make sure to call and check yourself. No matter how Good it sounds.
Laylee
September 28, 2021
I sent money via a wire transfer through Wells Fargo and Suntrust bank - neither bank ever helped me recover my money.
Upset
September 29, 2021
Why aren't companies required to post contact phone numbers or better yet a specific fraud number. I contacted Amazon about a suspected fraudulent number via website text chat. It took 5 times of yes or no questions to answer "is this a valid phone number". They said Amazon doesn't do outbound calls, then they ask if I wanted someone to call me ??? The person who called me hung up after I was complaining that they don't give out their phone numbers and I should be the one calling them.
Fcunn
September 30, 2021
Someone sent me a letter from Alabama dept of labor to call a number I called the person on the line asked for personal information. Then wanted me to send a copy of my license front and back, a selfish of me holding my license and a copy of my social security card That didn't sound like anything that the dept of Labor would ask for. was unable to contact anyone on anther number to confirm this. didnt send anything.
FTC Staff
September 30, 2021

En respuesta a por Fcunn

It's good that you looked for a number and called the Department of Labor to check on the letter. When you get a letter or email you don't expect, it's safer to look up a number yourself and contact the business directly to ask for information.

Don’t get fool…
September 30, 2021
What can the scammers do if they have your phone number only? I contacted one before I realized it was a scam. They sent me the fake checks, which I am going to report, but now they have my phone number. Is there any real danger? I wasn’t sure where to post this question, so I decided just to post it in the most recent comments.
akash dodani
October 12, 2021
I had been scammed in paid project. The scammer sent me false Cheques which i deposited in wells fargo bank and they credit my account so i was sure that i have received money so I transferred scammer’s consultants $5,000 and after a week the bank return the Cheques and debit my account so how did i claim my funds from bank because it was bank mistake to credit my account initially for false Cheques.