Protecting Your Money and Identity
What is Financial Fraud?
Banking Scams
Telephone Scams
Charity Scams
Lottery or Prize Scams
Investment Scams
How do I report financial fraud?
If your complaint is with a contractor or for home repairs or services, report the complaint about a contractor to the Arizona Registrar of Contractors.
Fill out a consumer complaint form online with the Arizona Attorney General’s Office and the Better Business Bureau
After someone scams you of your money, it can be difficult to know what to believe or who to trust.
Know that a written agreement is binding, and usually there is no right to cancel.
Review or have someone you trust review your bills. Dispute any errors in writing, and include your name, address, account number, and a description of the error.
Beware of home solicitations, where a salesperson comes to your home. These often include a choice to cancel a purchase in writing only, in the first 3 days.
Avoid “work at home” offers that require buying merchandise or equipment.
Use caution when buying a used car. In Arizona, a vehicle must operate for 15 days (about 2 weeks) or 500 miles, whichever happens first. Get any repair promises in writing. learn more
Avoid “title” loans with high interest rates that often lead to losing a vehicle.
Be careful around claims that a company will “repair” your credit. learn more
Be aware that some scammers target senior citizens. learn more
What is Identity Theft?
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There are withdrawals from your account that you cannot explain
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You do not get your bills or other mail
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There are charges for goods or services that you did not buy
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You receive statements for credit cards that you did not open
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There are errors or unfamiliar accounts on your credit report
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Your medical providers bill you for services you did not use
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Debt collectors call you about debts that are not yours
What should I do if my identity is stolen?
Change all account passwords and PINs (personal identification numbers).
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Request written proof from those claiming you owe a debt
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Send “cease communications” letters to stop debt collectors from contacting you. View sample letters here
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Defend yourself against debt collection cases filed against you in court
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Seek legal help. Click here to apply for free or reduced cost legal help or visit this link to find resources for representing yourself in court.
After an identity theft crime, it can be overwhelming to know where to start.
Be careful with your wallet, credit cards, Social Security Number, account numbers, passwords, and PIN (Personal Identification Numbers) numbers.
Routinely and carefully read credit card and bank statements, and contact your bank about any charges you did not make.
Collect and open your mail promptly.
Safeguard your personal information online, on your computer, and on your phone.