By Hughes Federal Credit Union
With more and more people taking to online shopping, it’s no surprise that 1 in 4 Americans report falling victim to fraud during the holidays. Keep scammers at bay and learn what you can do to protect yourself while shopping for loved ones.
Phishing emails and texts
Scammers know you’ll be checking your email for special holiday offers and shipping confirmations, so that’s usually where they’ll look to attack. Scammers will often pose as reputable businesses and send emails or texts to get you to provide them with your personal information. Don’t click on any links unless you can verify that the email or text message is legitimate.
Free offers and gift card scams
It’s been said before, but it bears repeating, if it sounds too good to be true it probably is. Scammers will use special holiday offers to lure in their unsuspecting victims, oftentimes promising everything from a free phone to a free vacation. Once the victim clicks on the link, the user is then sent to a fake website where the scammers will request the “winners” to pay for shipping or other fees associated with the prize using gift cards. Be wary of any offer that feels like it’s promising more than what’s normally expected.
Package theft
If package theft hasn’t happened to you, it’s probably happened to someone you know. To help combat package theft, utilize tracking services like Informed Delivery by USPS which will allow you to digitally preview your mail and manage packages so you can reschedule a delivery if you’re not home. If you’re using Amazon to send gifts, use Amazon Lockers instead of delivering the package directly to an unsecured porch or patio.
Relative imposter scam
Because a lot of personal information can be accessed online via social media channels and more, it’s possible a scammer can know your basics like name, phone number, and information on your friends and family. Scammers can then use this information, impersonate a close friend or family member, and then contact you to request money for an urgent situation. If you suspect someone is impersonating someone you know in an attempt to collect money or information, hang up and contact the person in question directly or someone within your close circle to confirm the call.
Get more peace of mind in case of identity theft. Upgrade your checking account to Checking PLUS and get Restoration Rescue, a comprehensive restoration service that provides you with a licensed attorney, highly specialized in identity theft restoration that will assist in getting you back on the right track. Visit HughesFCU.org to learn more.
