Recovery assistance is a supporting part of a wider fraud response. It may involve understanding which organisations have handled a payment, what reporting route may be relevant, and what information a person may need when speaking with them.
Start with the payment provider
If a payment was recent, contact the bank, card issuer, exchange or payment service involved using contact details you find independently. Explain what happened and ask what steps it may be able to take. A provider is responsible for its own account, payment and complaint processes; an investigator cannot direct its decision.
Keep records of conversations, reference numbers, statements and any response. Follow the provider’s official process and use the relevant reporting authority in your location where appropriate.
What support may cover
Subject to the information available and agreed scope, assistance may help organise a timeline, identify relevant records, clarify questions for an institution or point to an official reporting pathway. This can support a person’s own communication with a provider or authority.
Any possible next step depends on how the payment was made, the time elapsed, the organisations involved, available evidence, applicable procedures and decisions outside FRN’s control.
Beware of further fraud
People who have experienced fraud may be approached again by someone claiming to have found or recovered their money. Be cautious of unexpected contacts asking for an advance fee, a password, a one-time code, remote access or a wallet recovery phrase. Verify organisations through contact details you locate independently.
Read more about recovery scams and immediate steps after a recent transfer.
What this does not promise
Recovery assistance does not mean that funds have been located or can be returned. No recovery, freeze, reimbursement or other outcome is guaranteed. FRN does not impersonate a bank, exchange, regulator or law-enforcement body, and it cannot replace legal advice or an institution’s formal process.