What to Do If You’ve Been Scammed and How Five Points Bank Can Help

Even the most cautious people can fall victim to a scam. Criminals are becoming more convincing, using phone calls, texts, emails, and even social media to trick people into sharing personal information or sending money. If you’ve been scammed or think you might have been, acting quickly is key. Here’s what to do next and where you can find trusted help.

Step 1: Contact Your Bank Immediately

If you suspect fraudulent activity on your Five Points Bank account, call us right away so we can help protect your finances.
Five Points Bank Customer Service:  308-384-5350.

Our team can help you:

• Freeze or close compromised accounts
• Review transactions for suspicious activity
• Evaluate your sitaution and help naviagte your next move. 

Step 2: Report the Scam

Reporting the scam can help prevent further loss and protect others from the same fraud. Here are trusted resources where you can file a report:

Federal Resources

• Federal Trade Commission (FTC) - Report fraud and get recovery steps: https://reportfraud.ftc.gov
• IdentityTheft.gov - Step-by-step recovery for identity theft: https://www.identitytheft.gov
• Internet Crime Complaint Center (IC3) - For online or internet-based scams: https://www.ic3.gov

Phone & Text Scams

• Federal Communications Commission (FCC) - Report phone scams, robocalls, or texts: https://www.fcc.gov/complaints

Money sent via Wire, Gift Card, or Payment App

• Contact the company immediately (for example, Western Union, MoneyGram, Cash App, Venmo, or PayPal) to report the transaction as fraudulent.
• If you used a credit or debit card, notify your card issuer as soon as possible to dispute the charge.

Step 3: Protect Your Identity

If scammers have your personal information (like your Social Security number or account details), take extra steps to secure your identity:

Place a fraud alert on your credit report with one of the three major credit bureaus:

• Experian: www.experian.com/fraud/center.html
• Equifax: www.equifax.com/personal/credit-report-services/credit-fraud-alerts/
• TransUnion: www.transunion.com/fraud-alerts

Check your credit reports regularly

• Visit www.annualcreditreport.com to get one free report from each bureau every year.

How Five Points Bank Helps Protect You

At Five Points Bank, your security is always a top priority, and so is making sure you’re never alone when you need help.

If you ever have questions about your account, suspect suspicious activity, or just need guidance after receiving a scam call, you’ll always reach real people, not automated systems or recordings. Whether it’s during business hours or after something unexpected happens, our employees are trained to assist with:

• Reviewing your account for unusual activity
• Placing holds or issuing new cards if needed
• Walking you through what to do after a scam attempt
• Offering resources to help keep your information safe in the future

And when you reach out, you’ll speak directly with someone from Five Points Bank, someone who understands your concerns, and will take the time to make sure you feel supported and protected.

Remember: You’re Not Alone

Falling victim to a scam can feel overwhelming, but help is available and fast action can limit the damage. For more tips on recognizing and preventing scams, check out our recent Facebook video featuring insights from a former FBI agent on how scammers target victims and how you can protect yourself. 📺 Watch it on our Five Points Bank Facebook page.