I Already Sent Money
If you think you paid a rental scammer, start with your bank — then report.
Step 1
Call your bank right now
If you sent an Interac e-transfer, you may have a short window to cancel or recall it — often minutes to a few hours, depending on your bank.
Call the number on the back of your debit card or use your banking app's fraud line. Say: "I've been a victim of fraud and need to reverse an e-transfer / stop a payment."
Do this before filling out any forms. Time matters.
Step 2
Report to the Canadian Anti-Fraud Centre
File a report online or by phone. You'll get a reference number — keep it for your bank and police report.
Step 3
Contact Waterloo Regional Police
File a non-emergency report if you lost money. Bring screenshots, chat logs, and payment confirmation.
Step 4
Get student legal help
UW and Laurier students may have access to free legal advice on housing through their student union.
Step 5
Build an incident summary (optional)
After you've contacted your bank, use our PDF helper to organize details for police or your bank — nothing is sent automatically.
Haven't paid yet but feel uneasy? Run the before-you-pay decision gate → · Analyze a listing or chat →