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Where do I report a payment app scam?

Short answer

Your bank, the app, and the FTC at ReportFraud.ftc.gov. Keep screenshots of messages and payments.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

FTC consumer advice: payment app scamsconsumer.ftc.gov
ReportFraud.ftc.govreportfraud.ftc.gov
CFPB: money transfers and appsconsumerfinance.gov