What to Do if You Are a Victim of a Scam in Tennessee

If you find yourself a victim of a scam in Tennessee, it’s crucial to act quickly and appropriately to protect your interests. Scams can range from online fraud to telemarketing schemes, and knowing the steps to take can help mitigate the impact.

1. Identify the Scam
Before taking action, clearly identify the type of scam you have fallen for. Common types of scams in Tennessee include phishing emails, lottery scams, fake charities, and romance scams. Understanding the specific nature of the scam will guide your next steps.

2. Document Everything
Gather all relevant information related to the scam. This includes saving emails, texts, or communication records, as well as taking screenshots or noting any suspicious phone numbers. Documenting everything will be essential for reporting the incident.

3. Report the Scam
Contact local authorities to report the scam. In Tennessee, you should reach out to the Tennessee Bureau of Investigation (TBI) or your local police department. Providing them with as much information as possible will aid in their investigations. You can also report scams to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

4. Alert Your Bank or Credit Card Company
If you provided financial information or are concerned about unauthorized transactions, immediately contact your bank or credit card company. They can help you freeze your accounts or dispute fraudulent charges to prevent further loss.

5. Place Fraud Alerts
Consider placing a fraud alert on your credit report. You can do this by contacting one of the major credit bureaus—Experian, TransUnion, or Equifax—and requesting this action. A fraud alert makes it harder for identity thieves to open accounts in your name.

6. Monitor Your Accounts
Regularly check your bank statements and credit report. Look for any unusual transactions or accounts you didn’t open. You can obtain a free credit report from AnnualCreditReport.com once a year from each bureau.

7. Seek Support
Being scammed can be emotionally and financially draining. Consider reaching out to a trusted friend or family member to discuss your experience. There are also counseling services and support groups available for victims of fraud who can provide additional emotional support.

8. Educate Yourself and Others
After experiencing a scam, take the time to educate yourself about common scams and how to avoid them in the future. Share your experience with friends and family to help protect them from similar situations.

9. Stay Informed
Keep up-to-date on new scams in your area. The Tennessee Department of Commerce and Insurance regularly provides updates and alerts about current fraud schemes. Staying informed can help you avoid falling victim again.

Experiencing a scam can be alarming, but knowing the appropriate steps to take can minimize the repercussions. By acting swiftly and spreading awareness, you can protect yourself and help protect others in your community.