Search consumer rights, scams, fraud, calls, texts, voicemail, credit, identity theft, debt collectors, banking disputes, subscriptions, refunds, housing, data removal and complaint resources.
Open a result for the full resource: rights, what it means, what to save, what to do first, what not to do, where to report and Defentra/Elite action options.
What to do when someone claims to be from Social Security, IRS, Medicare, police, courts, immigration or another government office.
Government imposter scams use authority and fear to pressure consumers into paying money, giving information or taking urgent action.
What to do when someone builds a relationship online and then asks for money, crypto, gift cards or emergency help.
Romance scams use trust, emotional pressure and isolation to convince victims to send money or personal information.
What to do when a person, platform or group promises profits, shows fake balances or pushes crypto deposits.
Crypto and investment scams can involve fake trading dashboards, fake profits, wallet transfers, romance-investment scams and recovery scams.
What to do when someone sends a check and asks you to send money back, buy equipment, pay a shipper or forward funds.
Fake check scams exploit the delay between a bank making funds available and the check later being returned as fake or unpaid.
What to do when a caller threatens you, claims to be a bank, government agency, debt collector, delivery company, police officer, utility company or business.
Consumers should treat urgent unknown calls and suspicious voicemails carefully, especially when the caller asks for payment, security codes, banking access or personal information.
What to do when a text says your package, bank account, toll, refund, benefit or payment needs urgent action.
Spam texts and phishing messages try to make consumers click links, enter login credentials, share personal information or make urgent payments.
What to do when someone calls claiming to be your bank, card issuer, fraud department or payment app.
Consumers should verify bank calls through official contact information instead of trusting caller ID or callback numbers provided by the caller.
How to handle voicemails that demand urgent action and tell you to call a number back.
Suspicious callback numbers should be independently verified because scammers can leave numbers that look official but route to fake support or payment lines.
What to do when an email asks you to click a link, verify an account, open an attachment or fix an urgent problem.
Phishing emails try to steal passwords, payment details, identity information or account access by pretending to be a real company or agency.
What to do when a text or email says your package is delayed, unpaid, failed or needs address confirmation.
Fake delivery messages use package anxiety to make people click links, enter addresses, pay fake fees or give card information.
How to prepare evidence for a payment dispute when an item was not received, a service was not provided or a merchant refuses to resolve the issue.
Chargebacks and payment disputes depend on the payment method, issuer rules, transaction type, timing and evidence.
What to do if someone tells you to pay with gift cards for taxes, bail, tech support, grants, debts, utilities or emergencies.
Requests for payment by gift card are a major scam warning sign. Gift cards are meant for gifts, not payments to agencies, businesses, collectors or strangers.
What to do when money was sent by bank wire, wire service or transfer company because of a scam.
Wire transfers can move quickly and may be difficult to reverse, so the sending bank or wire company should be contacted immediately.
What to do after sending money through Zelle, Cash App, Venmo, PayPal, Apple Cash or another payment app.
Payment app disputes depend on the provider, funding source, transaction type and whether the payment was unauthorized or voluntarily sent because of deception.
What to do when someone gets into your email, bank, social media, payment app, shopping account or phone account.
Account takeover requires quick action because a stolen account can be used to reset passwords, steal money, impersonate the victim or lock the real owner out.
A step-by-step plan for removing exposed personal information from people-search websites.
Opt-out rights and processes vary by site and state, but users should document every exposed profile and removal request.
What to do when your address, phone number, family information or private details are posted or shared online.
Exposed personal information should be documented before requesting removal because proof may disappear once a page changes.
What to do when an email, password or account appears in a breach or dark web alert.
A breach alert does not always mean an account is currently hacked, but reused passwords and exposed credentials should be handled quickly.
What to do when a wallet, driver license, card, Social Security card or identity document is lost or stolen.
Lost identity documents can create fraud risk, account access risk and identity theft risk depending on what was lost.
How to organize a health insurance denial, rejected claim, preauthorization issue or medical billing appeal.
Consumers may be able to appeal a health insurance denial, but the process depends on the plan, denial reason, state rules and deadlines.
What to do when an apartment, house or vacation rental listing may be fake or the supposed landlord demands payment before verification.
Rental listing scams often use fake or copied listings, pressure to pay quickly and excuses for why the consumer cannot see the property first.
What to do when a text or message offers a remote job, task job, data entry role or high-paying position out of nowhere.
Fake job texts and recruiter impersonation scams are designed to collect personal information, steal money or pull victims into fake check and task scams.
What to do when a fake employer sends a check and tells you to buy equipment, software or supplies.
Fake check job scams rely on the delay between deposit availability and the bank later determining the check is fake.
What to do when an online job asks you to complete tasks, boost products, optimize listings or pay to unlock earnings.
Task scams show fake earnings and then pressure the victim to deposit money, crypto or fees to unlock withdrawals.
What to do when someone contacts you promising loan forgiveness, payment reduction or special student loan relief for a fee.
Student loan scammers may impersonate loan servicers, government programs or forgiveness services to collect fees or steal StudentAid.gov credentials.
What to do when someone claims a child, grandchild, parent or loved one is in danger and needs money immediately.
Family emergency scams use fear and urgency to push victims into sending money before verifying the story.
What to do when someone claims to be a grandchild, lawyer, police officer or jail official and demands emergency money.
Grandparent scams exploit family concern and pressure older adults to act before verifying.
What to do when a caregiver, nanny, senior-care or home-help job sends a suspicious check or asks for personal information.
Caregiver job scams can combine fake employment, fake checks, identity theft and overpayment schemes.
When a situation needs more than reading, use Defentra to scan, check, document and preserve evidence. For qualifying issues, Elite support can help organize the next steps.
This Resource Center is educational and organizational. It is not legal advice, financial advice or a guarantee of any outcome. Rights, remedies, deadlines and reporting paths can vary by state, account type, contract, agency rules and case facts.
