‘Tis the season to be jolly! And unfortunately, ‘tis also the season for scammers to go after your hard-earned dollars. Keep your money safe by reading up on the most common scams for this time of year and practicing caution.
1. Phishing emails
Always popular, phishing scams get even more prevalent before the holidays. They can be bogus delivery confirmation requests seeking your information or even a personalized letter to your child from “Santa.”
Be extra careful this holiday season when it comes to sharing personal information online or with an unverified requester.
2. Fake charities
Sadly, scammers capitalize on the goodwill that flourishes this time of year by requesting donations to charities that don't exist. Verify the authenticity of any charity you’d like to donate to by checking it out on a website like CharityNavigator.org. Also, it’s best to contact a charity on your own instead of following a website or email link.
3. Package theft
It’s holiday time, and those UPS and FedEx trucks are everywhere, dropping off boxes of goodies all over the neighborhood.
Usually, these drop-offs go as planned. Unfortunately, though, some 23 million customers will have their packages stolen from their doorsteps this year.
Don’t be one of them! If possible, and especially when ordering something expensive, arrange for a delivery that requires your signature upon receipt. Otherwise, track your order so you can bring it inside as quickly as possible after it’s dropped off.
When sending a gift via Amazon, consider sending it to an Amazon Locker location instead of to the recipient’s household. There’s no fee for using this service, and this way, your gift is safe.
4. Bogus sites
You might get lucky and find that perfect gift at a super-low price. However, don’t believe any ads or websites that are practically giving away the good stuff for free. These are, quite likely, scams. Once you click an ad link and place an order, you’ll never hear from the site again. Worse yet, they may use the information you shared to empty your accounts.
Only shop on reputable sites. Remember to check the website address/URL before placing an order. It may look like a popular site, but if one letter is off or missing completely, it's a bogus site. Do not purchase from it. Also, always look for that important “s” after the “http” in the web address to verify a site’s security.
5. Fake freebies
Did you really just see a Facebook post offering you a new iPhone, completely free of charge? If you have, run the other way and don’t look back! You’re looking at a scam. It's designed to lure you into sharing your information with criminals or unwittingly installing malware on your device.
Fake freebies run the gamut from new phones and complimentary cruises. They can also be luxury gift items or free holiday-themed downloads, like music, wallpaper and games.
If you’re offered any outrageous free gifts by text message, email or social media posts, ignore them. Downloads, though, may be safe, but need to be carefully vetted for authenticity before you accept them.
6. Defunct gift cards
Many scammers sell expired or empty gift cards this time of year. They hope to make a profit on a card that isn’t worth more than the plastic used to make it.
Ask to inspect any gift card you purchase before you finalize the sale. Check to see if the activation code is exposed. If it is, the scammer has probably already used it or has copied the information and will use it soon.
7. Temporary holiday jobs
Lots of businesses are hiring extra hands to get them through the busy holiday season. Don’t get stuck working for criminals!
Many scammers will pose as employees of recognized businesses and post help-wanted ads on social media platforms and popular websites. When a job seeker follows the links in these ads, they are directed to a bogus site. They’ll be asked to share personal information to submit an application. The scammer will then make off with this information and the promised job will never materialize.
If you’re looking for a seasonal job, apply in-person or directly on a business’s website. Do not follow any links.
As always, be aware and be cautious when enjoying the holiday season. Don’t get grinched! Stay alert and use caution to keep your money – and your information – safe.