GIFT CARDS:

Gift cards are popular because of their convenience; however, they are also very easy for scammers to use to commit fraud. Scammers can gain access to funds on gift cards by stealing cards from retail stores, copying the bar codes on the stolen cards and then returning the cards to the store. Once the card has been purchased by the consumer, the scammer can access the funds on the card. When buying a gift card, inspect the card and packaging for signs of tampering, such as scratches or scuff marks around the bar code or additional adhesives on the card’s exterior. Save receipts after purchasing a gift card, as it validates the original ownership and value of the gift card if you fall victim to a scam. Never buy gift cards from an auction or community website. Register your gift card online with the company to protect your credit value and the risks of misplacement or theft.

LOOK-A-LIKE WEBSITE:

Look-a-like website scams are spoofed websites created to collect payments and personal information from shoppers. After a victim completes their transaction, scammers can use the collected data for future crimes, such as identity theft. Although these sites can appear legitimate, there are ways to recognize a scam. While scrolling online or on apps, be mindful of social media advertisements offering deals that are too good to be true. Look for a padlock symbol in the website’s browser bar to tell if the website is secure. See how long the website has been live using the Whois Lookup domain tracker.

SOCIAL MEDIA GIFT EXCHANGE:

It’s fun to exchange gifts during the holiday season, but scammers often take advantage of people’s generous spirits to line their pockets. Social media gift exchange scams mislead participants into sending a gift with the false hope of receiving presents in return. Participants send one gift and share their personal information to receive gifts, exposing them to additional crimes, such as identity theft. The scam is also a pyramid scheme, using victims to recruit friends and family to join. If you see these scams, report the social media posts or photos. Never share, comment or interact with these posts. Pyramid schemes are a form of gambling and are illegal in the US.

SOCIAL MEDIA DISCOUNT CODE:

The Social Media Discount Code scam advertises promo codes on social media to reduce merchandise prices or allege shoppers only pay shipping costs. Scam websites often withhold contact information, a return policy or the cancellation process, leaving victims with limited ways to dispute transactions. Before you click purchase on that incredible bargain, take a moment to ensure the offer is legitimate by using Whois Lookup. When purchasing online, use credit cards for extra purchase protection and monitor charges made to cards.

MARKETPLACE APPS:

Peer-to-peer marketplaces and apps offer great deals and convenience for those looking to sell or buy items; however, they are also an avenue for potential criminals looking to score “deals” of their own. Whether you are selling or buying on these marketplaces, PSO encourages following a few simple rules to stay safe. Stick to in-app messengers to communicate and don’t disclose unnecessary personal information. Pick up or drop off items with someone you trust, meet up in a well-lit, heavily populated area and don’t wear expensive or flashy jewelry. Remember to inspect the item before paying. Avoid carrying cash and complete transactions in secure apps.

CHARITY FRAUD:

During the season of giving, potential criminals take advantage of people’s generous spirits to line their pockets. They exploit those trying to make a difference by posing as charitable organizations. Don’t let your kindness be wasted; research and read reviews for charities you are interested in supporting. If a charity contacts you directly, verify their contact information on their website and be mindful of emails or attachments requesting donations. When it’s time to donate, don’t pay in cash, gift cards, debit cards or by wiring money. Verify you’re not signed up for recurring donations, keep a record of all donations and review your statements regularly.