I got scammed or saw charges I didn't make: what do I do now?

“I got scammed, what do I do now”

A first-hour checklist for how the money left (card, bank transfer, payment app, gift card or crypto) that uses only the fraud number on the card or the bank's official site, a dated log of every call and report with reference numbers, report and dispute texts prefilled for the FTC, IC3, police and the bank that the person checks and submits themselves, dispute-window deadlines with reminders, credit-freeze status at Equifax, Experian and TransUnion, account numbers masked in any shared copy, and a tally of money lost, recovered and outstanding.

Start

Opening the preview…

Part of this works today

You get a real first result now. The remaining steps are being built; when they are released, people who asked for this are told.

What you bring

Nothing to prepare. Start with what you have; Conteenua asks for more only when a step needs it.

Free and paid

Free: The person follows the checklist, calls the numbers printed on their card or the official site, fills the report texts and letters in Conteenua and submits them on the official sites, and logs every step; nothing is charged.

Paid: Conteenua's AI reads statements and letters, writes the incident summary and dispute letters from the record, and works out each dispute window from official rules, charged in credits by what it consumes and settled on the verified result (spec 7.3). Conteenua never contacts banks, moves money or calls numbers on the person's behalf.