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Recursos para víctimas de fraudes y estafas

Adopta medidas adecuadas y encuentra ayuda con la guía de Remitly. Aprende cómo denunciar fraudes y estafas y accede a servicios de apoyo alrededor del mundo.

Ser víctima de un fraude o una estafa puede ser muy estresante, tanto a nivel emocional como a nivel financiero. Sin importar si se trata de un correo electrónico de phishing, una oferta laboral falsa o alguien que se hace pasar por una empresa en la que confías, puede resultar abrumador darte cuenta de que fuiste objeto de un ataque. Si te encuentras en esta situación, recuerda que no tienes por qué afrontarla en soledad. Hay medidas que puedes tomar ahora mismo para protegerte y empezar a sentirte mejor.

En esta guía, aprenderás cómo actuar en cuanto ocurra el fraude o la estafa y encontrar servicios de apoyo confiables alrededor del mundo.
Person checking bank account online

Qué hacer en ese mismo momento

1. Presenta una denuncia

Denuncia la estafa o el fraude ante las autoridades policiales locales. Incluye datos como números de teléfono, direcciones de correo electrónico, recibos de pago y capturas de pantalla. Con tu denuncia, ayudas a las autoridades a encontrar a las personas responsables y a evitar que otros resulten perjudicados también.

2. Notifica a tu banco o proveedor de pagos

Si enviaste dinero o compartiste tu información, comunícate con tu banco, tu proveedor de tarjeta de crédito o el servicio de pago que usaste. Pregúntales si pueden detener o revertir la transacción. Además, mantente alerta ante cualquier actividad inusual en tu cuenta.

Si usaste una app de envío de dinero, contacta a la empresa directamente. Si enviaste dinero con Remitly, cuéntanos lo que sucedió y repórtalo a través de nuestro Centro de ayuda⁠ (se abre en una ventana nueva).

3. Protege tus cuentas y tu información

Actualiza tus contraseñas: primero las de tus cuentas bancarias, luego las de tu correo electrónico y después las de tus redes sociales. Si en tu país se encuentra disponible esta opción, configura una alerta de fraude en tu informe crediticio para que los prestamistas deban verificar tu identidad antes de abrir cuentas nuevas. Revisa con frecuencia tus estados de cuenta bancarios y de la tarjeta de crédito en busca de actividad inusual, y denuncia de inmediato las transacciones que no reconozcas.
Person making a phone call on mobile

Dónde denunciar un fraude o una estafa: recursos locales

Becoming a victim of scam or fraud can feel lonely, but you are not alone. There are people available to help. If you want to report what happened, get support, or help stop others from being harmed, here are some resources from different countries that can help you.

Australia

The Australian Competition and Consumer Commission (ACCC) manages Scamwatch. Here, you can report scams, find out how to keep yourself safe, and access help such as financial and emotional counselling. Victims of scams, identity theft, or other cybercrimes such as email compromise can also get recovery support from the Australian Cyber Security Centre (ACSC) or speak with an advisor through their hotline. Free financial counselling is also available through the National Debt Helpline for people affected by financial loss.

Brasil

Banco Central do Brasil (BCB) – the financial regulator; takes complaints against banks/payment institutions for fraud (unauthorized Pix, phishing, etc.) via its RDR (Registro de Reclamações) system.

Canadá

The Canadian Anti-Fraud Centre outlines steps victims can take to report fraud and scams, limit further damage, and protect their identity. It includes guidance on contacting financial institutions and law enforcement, as well as how to document and report the incident.

Chile

The Servicio Nacional del Consumidor (SERNAC) handles consumer complaints and can be reached through its website's complaints section if your scam involved a purchase or service. For online fraud specifically, victims can go to the Policía de Investigaciones (PDI), particularly its Cybercrime Investigation Brigade, and it's also important to file a formal complaint with the Ministerio Público (Public Prosecutor's Office) to open a criminal investigation. Carabineros de Chile is another option, either in person or through its Comisaría Virtual (online portal). If your bank card or account was involved, Chile's Ley de Fraudes (Law 20,009) sets reimbursement timelines for banks (generally up to 10 business days for amounts under 35 UF). For informational purposes only; specific eligibility can depend on individual circumstances, so contacting your bank directly is the best way to understand your situation.

Unión Europea

Victim Support Europe offers emotional support and guidance to victims of crime, including fraud and domestic financial abuse, in participating EU countries. The European Commission also offers country-specific information about victims’ rights and how to access help after a crime.

We’ve also highlighted services from a few EU member states that may be most relevant to our customers.

France

France offers several services for fraud and scam victims. You can report internet-related scams directly through THESEE, get cybersecurity and scam assistance via Cybermalveillance.gouv.fr⁠ (se abre en una ventana nueva), or contact your nearest police station for in-person support.

Germany

The website hilfe-info.de⁠ (se abre en una ventana nueva), managed by the German Federal Ministry of Justice, provides official information for victims of crime, including how to access emotional and legal support. You can find local police advice centers, call the national victim helpline⁠ (se abre en una ventana nueva) for confidential assistance, or report fraud and scams directly to police via Onlinewache portals.

Ireland

Citizens Information⁠ (se abre en una ventana nueva) offers independent support on money, legal, health, and other consumer issues, and can direct people to services like MABS (Money Advice and Budgeting Service)⁠ (se abre en una ventana nueva), which provides confidential financial advice for people in debt or facing financial difficulties. You can also report fraud and access dedicated victim assistance through your local Garda Victim Service Offices.

Italy

Scams and online fraud in Italy can be reported through the Polizia Postale’s online portal⁠ (se abre en una ventana nueva) or to the Guardia di Finanza⁠ (se abre en una ventana nueva). Victims of fraud can also access free support through Rete Dafne Italia, a national victim-assistance network.

Netherlands

Slachtofferhulp Nederland⁠ (se abre en una ventana nueva) provides free emotional and practical support to victims of crime, including fraud. You can report scams and fraud to the national Fraudehelpdesk⁠ (se abre en una ventana nueva), supported by the Ministry of Justice and Security, which directs victims to the appropriate organizations for further assistance. You can also file a police report through the Dutch National Police.

Spain

Spain provides a confidential and free cybersecurity hotline (017) through INCIBE⁠ (se abre en una ventana nueva). You can also file a police report online through the Guardia Civil⁠ (se abre en una ventana nueva). Victims of fraud and other crimes can access free legal, psychological, and social assistance through Spain’s nationwide Victim Support Offices⁠ (se abre en una ventana nueva) (Oficinas de Asistencia a las Víctimas del Delito).

Japón

The National Police Agency (NPA) manages several national hotlines for fraud and scam reporting including #9110 for police consultation and “0120-344-999” to report investment scams to the Japan Securities Dealers Association . You can also report scams anonymously at “0120-924-839.”

New Zealand

Netsafe – NZ's dedicated online-safety/scam helpline. Netsafe is New Zealand's go-to helpline for online safety and scams.

New Zealand Police – report fraud/scams (non-emergency 105; online reporting available).

Financial Markets Authority (FMA) – for investment-scam specific reporting.

Singapur

If you are targeted by a fraud or scam, tell the Singapore Police Force. The Singaporean government provides a dedicated resource for scam victims, including clear steps to protect yourself from further losses and tools to report scams quickly. It also offers community referrals for mental-wellbeing, counselling, and financial assistance for victims.

Emiratos Árabes Unidos

The Dubai Financial Services Authority (DFSA) gives tips on how to spot and stay away from scams in the UAE and steps you can take to report scams. You can also report cybersecurity incidents or online fraud through the UAE Cybersecurity Council’s official portal.

Reino Unido

Report Fraud is the UK’s main center for fraud and cybercrime. They may connect you with the National Fraud Victim Care Unit, which is a help option that gives you personal support. You can also access advice from the National Cyber Security Centre (NCSC) on how to respond and recover if you’ve been the target of an online scam, identity theft, account compromise or other cyber incident.

Find more UK specific scam resources here: What to Do After Getting Scammed (UK Guide) – Remitly⁠ (se abre en una ventana nueva)

Estados Unidos

The Federal Trade Commission collects reports about fraud and scams. They partner with over 2,800 law enforcement groups.

AARP Fraud Watch Network Helpline provides fraud and scam victims with action steps, emotional support from trained peers, guidance for concerned families, and referrals to law enforcement and fraud investigators.

Better Business Bureau (BBB) Scam Tracker allows you to report scams so others can be warned. Verified reports are added to a public scam database that helps people spot and avoid similar schemes. BBB may follow up for more details or route certain reports as business complaints when needed. Reports are also shared with law enforcement to help stop scammers.

Not Listed?

If your country is not on this list, first reach out to your local police or cybercrime unit. Be sure to also contact your bank or money provider.

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