How to Report Cybercrime in Ohio (and Get Your Money Back)

Quick answer: Report online fraud to the federal FBI Internet Crime Complaint Center (IC3) and the FTC at ReportFraud.ftc.gov, AND in Ohio file a consumer complaint with the Ohio Attorney General (Help Center 800-282-0515) and a report with your local police department or the Ohio State Highway Patrol. Call your bank right now, before anything else, to try to freeze or reverse the transfer.

What to do in 3 steps

1. Call your bank or card issuer immediately. Speed is what determines whether the money can be clawed back. Report the transaction as fraud, ask them to freeze the account and attempt a recall or chargeback, and change your online banking login. Under federal Regulation E, reporting an unauthorized electronic transfer within 2 business days caps your liability at $50.
2. File the federal reports. Submit a complaint to the FBI Internet Crime Complaint Center at ic3.gov and report the scam to the FTC at ReportFraud.ftc.gov. If your personal information or identity was stolen, also create a recovery plan at IdentityTheft.gov. Keep the IC3 complaint number you receive.
3. File in Ohio and with local police. Lodge a consumer complaint with the Ohio Attorney General online or by calling the Help Center at 800-282-0515, and file a police report with your local police department (or the Ohio State Highway Patrol if no local agency applies). A local report number is often required by banks and insurers.

How recovery actually works

Getting money back is a race against the clock, not a single form you file. The instant you report it, your bank can try to recall a wire or reverse an ACH or card transaction, but only if the funds are still sitting in the receiving account; once a mule withdraws or moves them, the trail goes cold. The FBI IC3 runs a Recovery Asset Team that can freeze fraudulent domestic wire transfers, but it works best when victims report within 24 to 72 hours, which is exactly why step one is to call your bank and file with IC3 the same day. The Ohio Attorney General complaint does not directly refund you, but the office mediates disputes with businesses, can pursue deceptive-practices enforcement, and creates an official record. For unauthorized debit or credit transactions, your strongest legal lever is the federal liability cap, so the police report and IC3 number exist mainly to document the crime and support your bank dispute, insurance, and any tax or restitution claims later.

What to have ready

• Dates, times, and dollar amounts of every fraudulent transaction.
• The scammer's details: phone numbers, emails, websites, social media handles, and any wallet or crypto addresses.
• Bank and account information, including any wire confirmation or transaction reference numbers.
• Screenshots and copies of all messages, emails, receipts, and contracts (send copies, never originals).
• Your IC3 complaint number and your local police report number once you have them.
• A written timeline of what happened, in the order it happened.

Frequently asked questions

Do I report to the Ohio Attorney General or to the police? Do both. The Ohio Attorney General Help Center (800-282-0515) handles consumer complaints, scams, and deceptive business practices and can mediate with companies. Your local police department creates the official criminal report that banks and insurers often require. Neither replaces the federal IC3 and FTC reports.

Will I actually get my money back? Sometimes, and it depends almost entirely on speed and transaction type. Unauthorized card and debit charges are protected by federal liability caps, so report within 2 business days. Money you were tricked into sending yourself is much harder to recover, but immediate bank recall and an IC3 report give you the best shot.

Is it worth reporting a small loss? Yes. Reports to IC3 and the Ohio Attorney General feed investigations, help authorities spot patterns and shut down scam operations, and build the documentation you need if the same scheme escalates or you need to dispute charges later.

Sources

• Ohio Attorney General: File a Consumer Complaint (Help Center 800-282-0515)
• FBI Internet Crime Complaint Center (IC3)
• FBI IC3 2024 Internet Crime Report (state-by-state figures)
• Federal Trade Commission: ReportFraud.ftc.gov
• FTC IdentityTheft.gov: report and recovery plan
• CFPB: Electronic Fund Transfers (Regulation E) FAQs

For step-by-step reporting and recovery guides covering other countries, see our cybercrime help hub.