How to avoid crowds when holiday shopping
If you don’t like online shopping, here are some tips while shopping in store.
As we head into the rush of the holiday season, it can be easy to pay less attention to certain details like ads promoting excessive discounts, unusual web addresses and text messages about undeliverable packages, which can all be signs of online shopping scams.
Between October and December 2023, $95.2 million in losses from online shopping scams were reported to the Federal Trade Commission by consumers, according to the New York State Department of State’s Division of Consumer Protection.
“The holidays are one of the busiest times of the year for both shoppers and scammers,” Secretary of State Walter T. Mosley said. “While online shopping is a convenient way to purchase gifts and find deals, scammers often use this time as an opportunity to take advantage of consumers and steal their information or their hard-earned money.”
Here’s how to stay safe while shopping online this holiday season.
How to avoid online shopping scams during the holidays
Fake social media ads and text messages from scammers about packages being undeliverable are the top scams you should be keeping an eye out for this holiday season, according to Director of Information Security and Engagement at the National Cybersecurity Alliance Cliff Steinhauer.
“People have to look out for these ‘too-good-to-be-true’ kind of offers and they’re getting really hard to spot,” Steinhauer said.
Look for things that aren’t quite right, Steinhauer says, like funky URLs that don’t match the brand scammers are trying to impersonate, misspellings and things that just don’t add up. Here are some additional tips from the state’s Division of Consumer Protection to help you avoid online shopping scams this holiday season:
Beware of fake websites
Carefully review the seller and product before you buy anything, including checking the domain name to see if it differs from the official company name or website and the contact page to ensure the company has a mailing address, working phone number and privacy policy.
Be careful when shopping on social media
Fake social media accounts advertising fake clearance sales are created by scammers using recognizable brand names and logos to try and trick you into clicking on links or giving them money. Always search for reviews first and don’t buy a product from a social media site or link you find on the site — open a new browser and make the purchase through the retailer’s website.
Watch out for third-party seller scams
If you’re shopping in an online marketplace, confirm the seller is legitimate before purchasing anything. And if you’re redirected to a third-party site, double check the seller’s policies and reviews, look for any consumer comments and conduct a broad internet search on the seller before you buy.
Read product specifications and terms
It’s important to read the fine print and the terms of the sale before buying anything so you can understand what you’re purchasing and make sure you’re getting what you want.
Learn how to spot a fake review
One-sided reviews without specific details, which can be both positive and negative, multiple reviews that look very similar and bare user profiles are all indicative of a fake review planted by the scammers themselves. Be sure to look at reviews from a variety of different sources to better understand the product, brand or seller before purchasing anything.
Check for return policies
Avoid sellers with vague, missing or limited return or refund policies and make sure you know both who pays the return shipping costs and any time limits for making returns.
How to use safe online payment methods during the holidays
The first rule when it comes to safe online payment methods is to use a credit card, Steinhauer says.
“If you have your card stolen through some kind of scam and they’re using your card to make payments that aren’t authorized by you, you can obviously dispute the payments and get your money back,” Steinhauer said. “Can’t do that when you’re sending Bitcoin. You can’t do that when you’re (using) other types of direct types of payments or debit cards.”
Here are some other ways to use safe online payment methods this holiday season from the state’s Division of Consumer Protection:
- Check a website’s encryption: Make sure the website’s URL begins with HTTPS and there’s a closed lock on the website address bar or unbroken key symbol in the lower portion of your window.
- Don’t save your payment information on websites: Always opt out of the choice to save your credit or debit card information for future purchases on websites and instead, enter it each and every time you make a purchase.
What to do if you think you’ve been a victim of a scam this holiday season
If you think you’ve been a victim of a scam, it’s a good idea to consider placing a credit freeze, according to Steinhauer, so people can’t open accounts in your name.
And if you realize you’ve paid a scammer, immediately report it to your bank or credit card company, the state’s Division of Consumer Protection says, as the earlier you report the fraud, the more likely you’ll be able to access any available services to help you get your money back.
“The next thing to do is contact your local law enforcement and file a police report,” Steinhauer said. “And then it depends on the information you’ve given up at that point. If you think that an account has been compromised, you want to go reset your password and make sure your multi-factor authentication is turned on.”
Emily Barnes reports on consumer-related issues for the USA TODAY Network’s New York Connect Team, focusing on scam and recall-related topics. Follow her on Twitter and Instagram @byemilybarnes. Get in touch at ebarnes@gannett.com.