You didn't fail. They are professionals at this.
Let's figure out exactly what to do — right now.
Personalized plan based on your exact scam type, payment method, and timing — not a generic checklist.
Ready-to-use dispute letters and word-for-word phone scripts tailored to your exact scam type and payment method.
100% free. No account. No data stored. Your story stays private — we never log your answers.
I wired $3,200 to someone posing as my bank's fraud department. SCAMSOS had me call the wire recall line within 20 minutes — $2,800 came back.
My landscaping company almost lost everything. Someone forged a check and cleaned out our business account. The dispute letter SCAMSOS drafted got the bank to reverse it in 9 days.
A "tech support" agent had remote access to my computer for two hours before I realized. SCAMSOS walked me through removing the software and freezing my credit before anything worse happened.
I run a boutique and paid a $1,400 deposit on an Airbnb rental for a team retreat that didn't exist. The chargeback script SCAMSOS gave me worked — credit card refunded everything.
Sent $800 on Zelle to someone selling concert tickets on Facebook. SCAMSOS told me exactly what to say to my bank — "authorized push payment fraud" — and I got a goodwill refund.
My catering business got hit with a fake check overpayment scam — $2,600 gone. I didn't know I had 60 days to dispute. SCAMSOS caught it in time and the bank reversed the charge.
Lost $5,000 in a crypto investment scam. Recovery wasn't possible, but SCAMSOS helped me file with IC3 and freeze my credit before they could open cards in my name. Saved me from worse.
Someone called pretending to be the IRS and I gave them my SSN. I was panicking. SCAMSOS had me freeze all three credit bureaus in under 10 minutes. No fraudulent accounts were ever opened.
My 74-year-old father sent $1,200 in gift cards to someone claiming to be me in jail. SCAMSOS found that two cards hadn't been redeemed yet — Google refunded both within 48 hours.
Someone hacked my email and sent a fake invoice to my biggest client. Lost $4,800 via wire. SCAMSOS helped me file an FBI IC3 report and document everything for my insurance claim.
Answer as much as you can. More detail = more specific recovery plan.
Building your personalized recovery plan
Matched to your specific situation · Not legal advice · Free to use and print
SCAMSOS is a free AI-powered scam recovery guide built to help Americans take immediate action after being scammed. We give you the exact steps, dispute letters, and phone scripts that actually work — at no charge, with no signup required.
Every year, Americans lose over $12 billion to scams. The people who get hurt most aren't careless — they're targeted by sophisticated criminal operations that study human psychology. When it happens, victims face a confusing maze of agencies, dispute processes, and legal deadlines, with no clear guide on what to do first.
SCAMSOS exists to fix that. We researched every payment method's recovery process, every relevant federal agency, and the exact language that gets banks and card issuers to act. We put it all in one place, personalized to your specific situation, and made it free.
SCAMSOS is not a law firm and does not provide legal advice. We are not a government agency. We cannot recover your money directly, file reports on your behalf, or guarantee any outcome. Everything on this site is general guidance based on publicly available consumer protection information.
If you need legal representation for a significant financial loss, we recommend consulting a licensed attorney in your state.
SCAMSOS is free to use with no signup required. We sustain operations through affiliate partnerships — if you click a link to a recommended product (like NordVPN) and make a purchase, we may earn a commission at no cost to you. These recommendations are always contextual and relevant to your specific situation. We never recommend products just for commission.
Questions, feedback, or corrections: hello@scamsos.com
We read every email. We are a small team and response times may vary.
Short version: We do not collect, store, or share your scam details. The only data we collect is your email address if you choose to request your recovery plan by email — and we tell you exactly what we do with it.
SCAMSOS ("we," "us," "our") operates the website at scamsos.com. We provide free scam recovery guidance to US consumers.
When you use SCAMSOS to generate a recovery plan, your answers — scam type, payment method, timing, personal information shared, and dollar amount — are processed entirely in your browser. They are never transmitted to our servers, never stored in any database, and never shared with any third party. Closing the tab erases them completely.
Email address — only if you voluntarily request your recovery plan by email using the "Send to my email" feature. By submitting your email, you consent to receive your recovery plan and up to 4 follow-up recovery tip emails from SCAMSOS. We use Brevo (brevo.com) to send these emails. Your email address is stored in Brevo's system and subject to their privacy policy. You can unsubscribe at any time using the link in any email we send.
Analytics data — we may use analytics tools (such as Google Analytics or Microsoft Clarity) to understand how visitors use our site in aggregate. This data is anonymized and does not identify you personally. It includes pages visited, time on site, and general geographic region.
SCAMSOS does not use tracking cookies. Third-party services embedded on this site (analytics tools, affiliate links) may set their own cookies subject to their own privacy policies. You can disable cookies in your browser settings at any time.
SCAMSOS participates in affiliate programs. Some links on this site — clearly marked "Sponsored" — are affiliate links, meaning we may earn a commission if you click and make a purchase, at no extra cost to you. Our editorial recommendations are not influenced by affiliate relationships. We only recommend products we believe are genuinely useful for people who have been scammed.
Current affiliate partners include NordVPN. This disclosure is made in compliance with the FTC's guidelines on endorsements and testimonials (16 CFR Part 255).
SCAMSOS contains links to external sites including government agencies (FTC, FBI IC3, CFPB) and commercial services. We are not responsible for the privacy practices or content of these external sites.
SCAMSOS is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has submitted their email to us, contact us at hello@scamsos.com and we will remove it promptly.
If you have subscribed to our email list and wish to have your data removed, email hello@scamsos.com with the subject "Delete my data" and we will remove your email from all systems within 30 days.
We may update this policy from time to time. Material changes will be reflected in the "Last updated" date at the top. Continued use of SCAMSOS after changes constitutes acceptance of the updated policy.
Privacy questions or data requests: hello@scamsos.com
We'll send your full plan so you have it when you call your bank or file your FTC report. No spam — just your plan and 3 follow-up tips.
🔒 Your email is never sold or shared. CAN-SPAM compliant.