Free · Talk it through

Not sure if it's a scam? Talk it through.

Meet Vera — a free, friendly helper from ScamCapital. Tell her what happened in your own words, and she'll help you stay calm, spot the warning signs, and know exactly what to do next.

Hi, I'm Vera.

Take a breath — you're in the right place. Tap below and tell me what's going on.

Your browser will ask to use your microphone — that's just so Vera can hear you. Nothing is recorded, and it's completely free.

Prefer not to use your microphone?

You can talk to a real person free at the AARP Fraud Watch Helpline, 877-908-3360, or report it to us here.

Before anything else: don't send money, gift cards, codes, or passwords, and don't give anyone access to your phone or computer right now. Let's figure it out first.

What you can ask Vera

Just say what happened, in plain words

“My mom got a text from USPS about a delivery fee.”
“Someone called saying they're from my bank's fraud department.”
“A pop-up says my computer is infected and to call a number.”
“I got a call claiming there's a warrant for my arrest.”
“Someone I met online is asking me to send money.”
“I already sent money through Zelle — what do I do?”

If money or information was already shared

It's not your fault — and acting quickly helps. Start here:

If you sent money or shared card/bank details, call your bank or card company right away (use the number on your card) and ask them to stop or reverse it.
If you shared a password or a code, change that password now and turn on two-factor authentication.
Report it: tell us here, and file with the FTC ↗ and, for online crime, the FBI's IC3 ↗.
Recover your identity with the free step-by-step plan at IdentityTheft.gov ↗, and consider a free credit freeze.
Talk to someone you trust — and remember: no one can promise to recover your money for a fee. That's a second scam.

Want to get sharper at spotting these yourself?

Take the 2-minute quiz