What to do if you shared a code or password
It's not your fault. Scammers use urgent stories to get codes from people every day. A code or password is a key to your account. Acting now can lock them out and stop more harm.
Do these steps in order
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Do this now Call your bank now if the code or password was for your bank
Use the number on the back of your card or in your bank's official app. Never call a number the scammer gave you. Tell them you shared a code, so they can stop transfers and check for changes.
What to say: “I gave a code to someone who contacted me. Please stop any transfers I didn't make and help me change my login.”
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Do this now Call your phone company if your phone lost service or the code came from them
No service, or only SOS, can mean a scammer moved your number to their phone. From another phone, call the number on your phone bill. Ask them to stop any number transfer or SIM change, and to add a number lock and an account PIN.
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Do this now Change that account's password now, from a device you trust
If someone you know or live with may have set this up, removing it or signing them out can alert them. If you’re worried about your safety, talk to a domestic violence advocate before you change anything. The National Domestic Violence Hotline is free and open any time: call 800-799-7233 or chat at thehotline.org. If you can, use a phone or computer they can’t check.
Open the company's official app, or type its web address yourself. Don't use links in texts or emails. Pick a new password you don't use anywhere else. Locked out? Follow the company's account recovery steps. Used the old password elsewhere? Change it there too.
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Do this now Sign out of all other devices
In the account's security settings, find the list of devices or sessions where you're signed in. Sign out of any you don't know, or choose to sign out everywhere. This kicks the scammer out if they got in.
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Turn on two-step sign-in
In the account's security settings, look for two-step sign-in. It may be called 2-Step Verification or two-factor authentication. Never read the codes it sends to anyone who contacts you.
- FTC: Two-step sign-in, explained
- Google: Turn on 2-Step Verification
- Microsoft: Two-step verification
- Apple: Two-factor authentication
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Check your email for forwarding you didn't set up
Scammers sometimes add a rule that quietly sends copies of your email to them. In your email settings, look at forwarding, filters, and rules. Delete any you didn't make. Make sure the recovery phone and email are yours.
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Hang up on anyone who calls offering to help
Scammers often call back pretending to be support or a fraud team, and ask for another code. Anyone who asks for your code is a scammer. Hang up. Use the number on your card or bill, or the company's official app.
Follow up later
- Tomorrow: call back and ask for your case or claim number. Write it down.
- In 30 days: look at your bank and card statements for anything you don’t know.
Keep your place
To keep your place, bookmark this page or copy your private link.
Keep the link private. It shows the steps you’ve ticked. Never send it to anyone who calls, texts, or emails you. Latchstring will never ask for it. Your browser’s history also keeps this address, and may copy it to your Google or Apple account if you sync. On a shared phone or computer, use a private window, or clear your history afterward.
Did any of these happen too?
- I sent money by bank, Zelle, wire, Western Union, or MoneyGram
- I paid with an app like Venmo, Cash App, or PayPal
- I paid with a credit or debit card
- I paid with gift cards
- I sent crypto or used a Bitcoin ATM
- I gave cash, gold, or my cards to someone
- I deposited a check and sent money back
- My phone suddenly has no service
- My email or social media account was hacked
- I let someone into my computer or phone
- Someone is using my name, or I gave out my Social Security number
Then, report it and get free help
- Report the scam at ReportFraud.ftc.gov (Federal Trade Commission).
- Also report it to the FBI at IC3.gov, even if it started with a phone call or a visit.
- Get a free recovery plan from a real person: call or text 888-400-5530 (Identity Theft Resource Center, a nonprofit).
- Age 60 or older? Call the Justice Department’s National Elder Fraud Hotline at 833-372-8311 for free help reporting it. Mon–Fri, 10 am–6 pm Eastern.
- Feeling overwhelmed? Call or text 988, any time.
Watch for a second scam. Anyone who contacts you offering to get your money back for a fee, a code, your bank details, or access to your phone or computer is a scammer, even if they say they’re the FBI, the FTC, a lawyer, or us. Don’t search online for a company’s phone number either. Scammers post fake ones.
This guide was last checked in October 2026. Sources: