# I was contacted by a possible scam. What can I do?

URL: https://togetherloans.com/faq/i-was-contacted-by-a-possible-scam-what-can-i-do
Updated: 2026-11-02

Together Loans never charges upfront fees, sells insurance or finds you a cosigner. Learn what scammers ask for, how to check with us and how to report it.

> **If someone asks you to pay a fee, buy insurance or co-sign for someone you don't know, it's a scam.** We'll never ask you to pay up front to get your loan.
>
> Not sure? Call us at [(470) 435-6300](tel:+14704356300) before you pay or sign anything.

## What will Together Loans never do?

- We will never ask you to pay up front to get your loan. We don't charge fees to apply or to take out your loan. [See the fees we don't charge](/faq/does-together-loans-charge-any-fees).
- We will never sell you insurance, or ask you to buy it. We don't offer insurance of any kind.
- We will never find or sell you a cosigner. Your cosigner should be someone you already know and trust.
- We will never ask you to send the loan money to anyone but the borrower.
- We will never ask you to pay with gift cards, prepaid cards or crypto.
- We will never ask for your online banking password, or ask you to move money to "verify" your account.
- We will never message you first on social media, or email you from a Gmail, Yahoo or Hotmail address. Our emails end in @togetherloans.com.

## Were you asked to co-sign for someone you don't know?

Don't do it. Only co-sign for someone you know and trust. If anyone offers you something to co-sign, or says you must co-sign to get something, it's a scam.

We send the loan money to you, the cosigner. If the borrower doesn't pay, you must pay, even if you gave the money to someone else.

Did someone tell you what to say to us? Stop and call us before you sign. You're not in trouble.

## Not sure? Check with us first

Call [(470) 435-6300](tel:+14704356300) or email [hello@togetherloans.com](mailto:hello@togetherloans.com) before you pay anyone, sign anything or share any details. We'll tell you if the message came from us. Don't let anyone rush you.

## What should I do if I think I've been scammed?

1. Stop all contact with the person.
2. If you co-signed a loan with us, call us right away.
3. If you shared bank or card details, call your bank or card company.
4. Report the scam to the FTC at [ReportFraud.ftc.gov](https://reportfraud.ftc.gov) or [877-438-4338](tel:+18774384338), or to the FBI at [ic3.gov](https://www.ic3.gov).
5. Place a fraud alert with [Equifax](https://www.equifax.com), [Experian](https://www.experian.com) or [TransUnion](https://www.transunion.com).

Learn more about avoiding scams on the [FTC website](https://consumer.ftc.gov/articles/how-avoid-scam).