这是一年中最美好的时光! The holiday season is fast approaching and that means that the holiday shopping season is in full swing.
Whether you are looking for those perfect gifts for the people in your life or donating to a charity to assist those who aren’t as fortunate during this time, the holidays bring increased spending across the country.
With this increase comes a heightened risk for fraud, with scammers seeing this time as a prime opportunity to prey upon unsuspecting shoppers or donors who might be too distracted by the chaos of the holidays to notice that they are falling for a scam.
Scams are prevalent in our day-to-day lives, 但根据环联的一份报告, the number of suspected e-commerce fraud attempts during the 2021 holiday shopping season saw a 25% increase over the 15.73% of fraud attempts observed from January 1st to November 29th.1
With such a high spike in fraud attempts during the holidays, it is important to stay vigilant when shopping or giving both offline and online and understand what to look for to protect yourself from falling victim to holiday fraud. Knowing how to spot these scams and what to do if you happen to experience one is the best defense in keeping your holiday shopping experience merry and bright.
2021年的假日购物季出现了一个 欺诈企图增加了25% over January 1 – November 29 that same year.
礼品卡诈骗
Gift cards are an easy and convenient item to give during the holidays, especially when you don’t know what someone wants or needs or can’t think of anything specific to get them. According to the National Retail Federation, gift cards have been the most popular gift in America for the past 14 years.2
今年看来这一趋势将继续下去, 黑鹰网络, 全球品牌支付提供商, forecasts gift card spending to jump 27% this holiday season.3
需求如此之高, it’s easy to understand why gift cards are one of the primary methods of holiday fraud, with around one in four people who have reported fraud to the Federal Trade Commission (FTC) saying that they paid with a gift card.3
One of the most important things to look for when purchasing a gift card is to make sure that it hasn’t been tampered with. Check the PIN number and make sure that it is still covered by its original coating. Scammers can steal the PIN and the card number and when you add money to the card, 他们可以把钱存入自己的账户.4
Another area to check closely is the barcode. Scammers will cover the original barcode with a sticker of their own barcode so when you add money, it will send it to the scammer’s card directly.4
Other ways to combat gift card fraud include taking cards from the middle of the peg or purchasing cards from behind the register; making sure that your receipt matches the number on the gift card; and purchasing gift cards directly from the retailer or in stores rather than online. In 2021, 这是由波多报道的, a tech company specializing in finding fake websites, 他们看到了超过152个,000 fake websites built around gift card scams. This was five times more than what they saw in 2020.5
In 2021, more than 152,000 fake websites built around gift card scams. This was five times more than what was seen in 2020.
慈善机构欺诈
The holidays are not only a great time to surprise others with gifts, but it’s a time to give back and have opportunities to help by donating your time and money to charities that assist the people who need it the most.
One of the biggest charitable events in the US around the holidays is Giving Tuesday, 哪个是感恩节后的星期二. Starting in 2012 as a day to give time and money to charities, Giving Tuesday has grown to become a major success. A 2021 report on the event stated that nearly $2.5 billion was donated in the US on this day in 2020.6
While this amount of generosity is great to see, some scammers have taken notice of this and will disguise themselves as charities to take your money for their personal gain.
The first thing to look for is what and how the organization wants you to donate. Use caution if an organization asks for donations in the form of gift cards, 电汇, 或者直接付现金.
Reputable organizations will not be this upfront about how they want you to donate and will not ask for gift cards or 电汇. If you see anything asking you for a monetary donation in a specific manner, do not interact with it.6
下一个, do not rush into donating just because you feel that you need to act quickly or are required to donate on Giving Tuesday specifically. The Better 业务 Bureau (BBB) advises that organizations are going to take your donation no matter when you choose to donate. Do not trust any organization that offers time-specific perks or benefits for donating within a certain timeframe. If you feel pressure to donate, take your time.6
Lastly, make sure to do your research on the organization(s) you want to support. Most organizations will have a website where you can view their mission statement and what your donations will go toward. The BBB and the IRS allow you to search organizations to determine their validity. You can check out the website for the National Association of State Charity Officials, 许多慈善机构必须在哪里注册.6 你也可以查看慈善导航, a nonprofit that evaluates charities based on their financial health, 问责制, 和透明度.3
其他形式的假日欺诈
While gift card fraud and charity fraud are the prominent scams during the holidays, other forms of holiday fraud to be aware of this season include:
- 包裹投递诈骗: Online shopping is becoming the main form of holiday shopping and packages are constantly being delivered by companies such as Amazon, 美国邮政管理局, 联邦快递, 和联合包裹. Scammers try to take advantage of this by pretending to be a delivery company and attempting to get you to click on a malicious link to steal your personal information.
Watch out for texts or emails from any delivery company telling you that your package has been delivered, 有问题, 或者是少了一笔付款. Check the message for any spelling errors or strange wording. If you are unsure and concerned, reach out to the delivery company directly.3, 5 - 金钱应用诈骗: 对于一些, 而不是买特别的礼物, they will just send money to their friends or family so they can buy what they want. This has become easier than ever before with the introduction of third-party money-transferring apps such as Cash App, Venmo, 或者我们在元素的合作伙伴, Zelle®. Since these apps are connected to your debit cards or bank accounts, they are typically targeted by scammers year-round.
Never use your money app to pay for merchandise during the holidays and be wary of sites that only accept payment through these apps. Since these are third-party systems and not actual financial institutions, if you make a transaction that turns out to be a scam, it is unlikely that you will be able to get that money back. Also, never give any passcodes out or give access to your account on these apps to anyone. If you receive a text or call from what appears to be your financial institution and they ask for this info, do not give it to them and contact your credit union or bank as soon as you can.7, 8
What do I do if I think I’ve been scammed?
如果你觉得自己被骗了, it is important to take the necessary actions to limit the damages caused and to protect yourself from any more issues that could be faced.
- Contact your credit union or bank immediately: If you sent the scammer any money or account information, call your financial institution and let them know that you have experienced fraud. Ask that the transaction be canceled and if it has already gone through, you may be able to dispute the payment in an effort to get your money back.3
- File a complaint with the Federal Trade Commission: Let the FTC know about the scam that you have experienced via a complaint to inform them of what is going on. This will allow them to protect others from experiencing the same scam. The FTC will provide you with the proper steps to take to potentially get your money back.3
- 冻结你的信用报告: Scams that steal your personal information and not just your money can be dangerous when it comes to your credit reports. If you feel that your personal information was stolen, freeze your credit reports immediately. Doing so will block the scammer from opening any accounts using your information, 哪些会影响你的信用评分.3
Have questions or need to report suspicious activity? Our credit union experts are always here for you. Contact 利记app官网 for fraud support year-round. From everyone at 元素, may you enjoy a safe, healthy, and happy holiday season!
来源:
1) TransUnion, "Suspected E-Commerce 欺诈 Attempt 利率 Between Thanksgiving and Cyber Monday Increase 25% Compared to the Rest of the Year"
2)零售礼品卡协会; 安全礼物小贴士.org)
3)《利记app官网》, 5 Holiday Scams To Watch Out For – Forbes Advisor
5) kare 11; Holiday shopping scams to look out for this season | kare11.com
6)《利记app官网》 Giving Tuesday: Watch out for charity scams: Talking Tech podcast (usatoday.com)
7) Zelle, "Pay Yourself Scam" marketing ad
WFMY 新闻 2; Cash apps are not the best payment method for holiday shopping | wfmynews2.com
