Unfortunately, every year thousands of people become victims of holiday scams. Scammers can rob you of your hard-earned money, personal information, and, at the very least, a festive mood. According to the Internet Crime Complaint Center’s (IC3) 2021 report, non-payment or non-delivery scams cost people more than $337 million and credit card fraud accounted for another $173 million in losses.
There are several ways you can protect yourself — and your wallet — during the holiday season.
Don’t click any suspicious links or attachments on websites, emails, or on social media. Be especially cautious if the email sends a link asking you to update your password or account information.
Examine the search results to ensure there are no oddities with the web address and description. A URL that is valid and secure will typically have “https” in the web address.
Be wary if an email asks you to do something immediately as fraudsters usually create a sense of urgency to scam people.
If you’re buying from a company for the first time, verify the legitimacy before moving forward with the online purchase by doing your research and checking reviews.
Only use verified phone numbers to contact companies or use their online Help section as a trusted source.
When using a credit card online, check your statement regularly to make sure there are no suspicious transactions.
Monitor the shipping process. Always get tracking numbers for items you buy online so you can make sure they have been shipped and can follow the delivery process.
Never wire money directly to a seller and be cautious when using peer-to-peer payment services (P2P) by making sure your money is going to the correct person.
Do not accept checks as a payment for goods or services.
Request that banks not send blank checks if you do not plan to use them, and choose to receive forms digitally.
If someone asks you to pay them with gift cards, you are likely being scammed. Gift cards are like cash, once it is used, the money on them is gone and you will not receive the expected goods or services.
Be wary of false urgency when attempting to pay individuals or merchants who are recommending you withdraw large sums to facilitate big purchases.
Question if you are provided specific instructions on how to withdraw funds.
If you believe you are a victim of a scam, contact Bethpage immediately at 800-628-7070.
