Rechtsstand Herbst 202643 life situations645 topic pages41 roadmapsFree, no account

I have been the victim of fraud or a scam

Phishing, fake shop, subscription trap, grandchild scam, identity theft or investment fraud: how to block accounts, get your money back from your bank, PayPal or card provider, withdraw from or contest contracts, and fend off unjustified demands. Also: reporting to the police, evidence and help for victims.

How the roadmap works. Answer the questions. They produce your roadmap: what you should do today, which deadlines are running and who can help you. Important: speed matters more than completeness. Block and report first, sort things out afterwards. And: fraud can happen to anyone.

Your answers are not stored or transmitted; they only appear in your browser's address bar. Anyone who shares the link also shares the answers. Legal status as of November 2026: BGB payment services law (§§ 675l, 675u, 675v, 675x, 676b), right of withdrawal (§§ 312g, 355, 356, electronic withdrawal function § 356a since 19 June 2026), § 312j, § 312k, §§ 123, 124 BGB, UWG (§§ 7, 7a, 20), SEPA Regulation with verification of payee since 9 October 2025 (Regulation (EU) 2024/886), GDPR (DSGVO), ZPO, StGB, StPO, EnWG. Planned but not yet applicable: EU payment services package PSD3/Payment Services Regulation.

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As of November 2026. The roadmap arranges general information according to your answers. It does not review an individual case, does not replace legal advice and does not assess your dismissal or any deadline as valid, met or missed. Whether an entitlement exists is decided by the responsible office; deadlines and amounts change often – check important details with an advice centre.

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On a decision, deadline, application or responsibility. You get an answer with the matching page, the responsible office and the next step, usually within two working days. No legal advice in individual cases, no sharing of your data.