BBB: Avoiding the 12 scams of Christmas
The Better Business Bureau is out with its "12 scams of Christmas" to look out for this holiday season whether you are shopping online or in stores.
Read the BBB's advice on how to avoid falling for the scams below:
Look-Alike Websites - Many consumers will see an increase in the number of email alerts announcing deals, gifts, and sales. While mailers can look legitimate, the links may lead to look-alike websites meant to trick you into entering private information or give scammers an opportunity to download malware onto your computer. To protect themselves, consumers should:
Review the sender's address, as businesses will often send emails with a proprietary address, like @BBB.org
Look for misspellings throughout the email
Hover over links without clicking to see where they reroute
Only enter sensitive information into a website that begins with "https" as the "s" informs you that it's secure and information entered is encrypted
Social Media Gift Exchange - Purchasing one gift and receiving several in return may sound like a harmless way to give and receive presents, but this seasonal scam is a pyramid scheme, which is illegal.
Grandparent Scams - Scammers target seniors posing as a grandchild or other family member and claim they have been in an accident, arrested, hospitalized or another urgent issue. The circumstance often requires money be sent immediately to resolve. Targets should:
Verify the situation by calling the family member in question directly
Check with other family members to see if the claims are true
Be wary if you're asked to wire money or send gift cards
Temporary Holiday Jobs - Many businesses require a little extra help with the holiday rush and often seek temporary employees. This is also true for employers looking to add staff in the New Year, but beware of fraudsters who attempt to glean personal information from applicants. Job seekers trying to avoid this scam should:
Apply for the job in person or by going directly to the retailer's website (not following links)
Be wary of anyone requiring you to hand over personal information over the phone or online before meeting for an interview
Be suspicious of a job that requires you to pay for equipment or software upfront
Free Gift Cards - Who doesn't love free stuff especially around the holidays? Scammers hope to take advantage of that fondness through phishing emails and pop-up ads offering gift cards. If you come across one of these offers you should not:
Open the email as it can be a phishing attempt but, if you do, don't click the links. Instead, mark the email as SPAM or JUNK
Share any personal information to receive the card as the scammers will use the information to steal your identity later
Click the ad but close out of the app or program you are using, clear your history and turn on your ad blocker
E-Cards - Christmas cards are sent out this time of year and while some friends and family may be going high-tech by using e-cards, so are scammers. Spot a friendly e-card from a scam by looking for:
Whether or not the sender's name is easily visible
Be wary if you are required to enter personal information to open the card
Avoid opening any suspicious email but if you do and see an attachment that ends in ".exe" which indicates an execute command and could download a virus, do not open it
Fake Shipping Notifications - Deliveries notifications can often be expected throughout the holiday season as many consumers go online to purchase gifts, but some of these announcements may be phishing scams. These false notification emails often use a legitimate businesses name and logo to trick you into opening the email and allowing thieves to gain access to personal information and passwords. Targets should know:
Most online vendors provide tracking information that can be used to verify where your items are and identify the delivery company
You are not required to pay money to receive your package, that payment was made when you make your purchase
Phony Charities - Charities often get a boost this season as consumers are in the giving spirit but scammers seeking to take advantage can pose as charities or needy individuals soliciting donations. Here are a few tips for spotting scammers:
Look for sound-alike names
Verify Your Charity at Give.org
Review the charities website to make sure they specify their plans for donations and how they will be used to address the issues they claim to combat
Letters from Santa - Many legitimate businesses offer personalized letters from Santa, but some copycat scammers are only looking to glean personal information from unsuspecting parents.
Be suspicious of unsolicited emails offering special prices or packages for letters from Santa
Check BBB.org to verify the legitimacy of any company that offers letters from Santa
Unusual Forms of Payments - When making your holiday purchases be wary of anyone asking for a strange form of payment as they often can't be traced or undone. These may include:
Prepaid debit or gift cards
Wire Transfers
Third parties
Travel Scams - Traveling for the holidays can get expensive, and bargains may be tempting, but some offers may be scams that end up costing you more instead of helping you save. To avoid travel scams consumers should:
Be cautious when it comes to email offers, especially if it is from an unknown sender or company
Never wire money to someone you don't know
Puppy Scams - While a year-round issue, puppy scams hurt families seeking to add a family member to their household for the holidays. Puppy scams are often difficult to avoid as cute pictures, and good deals pull at the heartstrings and wallet. To prevent this fraud, consumers should:
Do an image search online of the photo given of your pet. If multiple websites pop-up, it's probably a scam
Know what prices to expect because if the cost seems too good to be true, it probably is
Search BBB.org for accredited breeders and rescue shelters
Never pay using a money order or via Western Union or Moneygram, instead use a credit card, which will give you the added protection of being able to dispute the charges
If you come across any of these scams this holiday season help protect yourself and others by:
Keeping a close eye on your financial statements and quickly disputing any unrecognized charges
Submitting a report to BBB Scam Tracker (whether or not you lost money)
Filing a complaint with the FBI's Internet Crime Complaint Center (IC3)
For more information, visit the BBB's website.
