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  • Geebo 8:00 am on September 25, 2024 Permalink | Reply
    Tags: card declined scam, , , online shopping,   

    How to Spot and Avoid The Card Declined Scam 

    How to Spot and Avoid The Card Declined Scam

    By Greg Collier

    The Better Business Bureau (BBB) recently issued a warning about a new scam. Imagine you’re going through your usual online shopping routine, selecting items and preparing to check out. But when you attempt to finalize your purchase, you receive an alert saying your card was declined. Confused, but thinking it might be a glitch, you try a different card. To your dismay, the same message pops up again.

    What many don’t realize at that moment is that they’ve just fallen victim to a well-crafted scam. The website you’re shopping on isn’t legitimate. It’s designed to trick you into handing over your credit card information. Every time you try a new card, you’re simply feeding the scammers more details. Within minutes, unauthorized charges can appear on the accounts linked to the cards you’ve used, leaving you scrambling to contact your bank.

    The key to avoiding this situation is understanding that the scam works by exploiting urgency and confusion. When a card is declined unexpectedly, people naturally want to resolve the issue by trying another card. But that’s precisely what the scammers want. The more cards you enter, the more access they have to your financial information.

    The BBB advises that before entering any payment information, it’s important to verify the legitimacy of the site. A well-known retailer like Amazon will not typically ask you to re-enter stored payment details. Look for signs that the site is secure, such as the “https” in the URL, and avoid inputting sensitive data if the site doesn’t feel right.

    Scammers also use fake emails, texts, and ads that imitate legitimate businesses, so be cautious of unsolicited messages, especially those that lead to unusual payment pages. It’s always a good idea to directly visit a retailer’s website rather than following links from emails or ads, which can be manipulated to look genuine.

    Research the business before making a purchase, particularly if you’re shopping somewhere unfamiliar. Customer reviews and trusted sources like the BBB can provide insight into whether a site is legitimate. Remember, if a deal seems too good to be true, it probably is. Compare prices with other retailers to gauge the true value of the product you want to buy.

    Another crucial step in protecting yourself is to use a credit card for online purchases. Credit cards offer added protection against fraudulent charges, and you can dispute unauthorized transactions more easily than with debit cards. It’s also a good time to speak with your bank and credit card company about what measures they offer to protect your accounts, such as purchase limits or notifications for every transaction.

    The ‘card declined’ scam serves as a reminder that online shopping, though convenient, requires vigilance. By verifying website security, avoiding unsolicited messages, and staying informed about your card protections, you can avoid becoming the next victim of this frustrating and costly scheme.

     

  • Geebo 8:00 am on August 27, 2024 Permalink | Reply
    Tags: , , online shopping, ,   

    Beware the Too-Good-to-Be-True Online Deal 

    By Greg Collier

    According to the Better Business Bureau (BBB), about 50% of people who lose money in online shopping scams do so because the deal seemed irresistible. The problem often arises when you think you’re purchasing from a trusted site, like Amazon, but you’re actually on a fake website designed to look like the real thing.

    These fake sites can be deceivingly similar to legitimate ones. Scammers know that if they can create a website that looks just like Amazon or any other well-known retailer, they can trick you into handing over your money. But there are ways to spot these fakes if you know what to look for.

    First, closely examine the URL of the site you’re on. Real Amazon’s URL is simple, it’s amazon.com. However, scammers use lookalike URLs which might look convincing at first glance but are actually traps. For legitimate websites, the brand name should be directly followed by .com or whatever the top-level domain (TLD) it is they use. If you see a hyphen, additional words, or anything else between the brand name and the TLD, you’re likely dealing with a scam.

    You might wonder how scammers manage to make these fake sites look so real. It turns out there are two main ways. Cybercriminals can buy phishing kits that allow them to replicate the look and feel of popular brands’ websites. These kits are cheap and widely available, making it easy for scammers to create convincing fakes.

    Scammers can also purchase domain names that resemble legitimate sites. They can register these names with minimal oversight, which allows them to create URLs that look legitimate but lead you straight into their traps.

    The next time you’re shopping online and come across a deal that seems too good to be true, take a moment to scrutinize the URL. Make sure it’s a legitimate site before entering any personal information. In today’s digital age, a little caution can go a long way in protecting yourself from scams.

     

  • Geebo 8:00 am on July 5, 2024 Permalink | Reply
    Tags: , , , online shopping, ,   

    Farmers scammed buying shipping containers 

    Farmers scammed buying shipping containers

    By Greg Collier

    An Arizona farm owner decided to expand their barn using shipping containers due to their durability and resistance to wind and water. Seeking convenience, they turned to online marketplaces like Craigslist, and Facebook Marketplace to find suitable containers. Their search led them to a seller claiming to represent a company selling shipping containers.

    After researching the company and finding positive reviews, the buyer communicated with a man through Facebook Messenger. The man’s prompt responses and attentiveness built a sense of trust. However, when it came time to make the purchase, several red flags emerged.

    To proceed, nearly $2,700 needed to be paid upfront. The buyer preferred to pay with a credit card for added protection, but the man insisted on a check made out to an individual instead of the business. Although this raised suspicions, the man’s explanations seemed plausible, and the payment was made.

    The problems began when the delivery date approached. The buyer faced constant delays, excuses, and a demand for an additional $3,500 in insurance. Growing increasingly uneasy, they decided to contact the container company directly using the information on their official website.

    The response was a devastating blow. The real container company had no record of the order, invoice, or any knowledge of the man they were communicating with. The buyer had been dealing with scammers impersonating the legitimate company to defraud consumers on third-party websites.

    This experience highlights the importance of thorough verification when making large purchases. Here are key takeaways to protect yourself from similar scams.

    Always contact the company directly using information from their official website. Never rely solely on contact details provided by the seller.

    Be wary if a company insists on communicating only through messaging platforms. Legitimate businesses typically offer multiple communication channels, including phone and email.

    Whenever possible, pay with a credit card, which offers better fraud protection. Be cautious of sellers requesting payment through irreversible methods like cashier’s checks or wire transfers.

    Check reviews on multiple websites and search for any reports of scams or imposters. Include terms like “scam” or “fraud” in your search.

    If a seller pressures you to make a quick decision, take a step back. Consider your options carefully before committing.

    If you suspect you’ve fallen victim to a scam, report it immediately. Contact your local law enforcement and file a complaint with the Federal Trade Commission (FTC). Prompt reporting can help authorities track and combat fraudulent activities.

     

  • Geebo 8:00 am on May 28, 2024 Permalink | Reply
    Tags: , , online shopping,   

    Unwanted deliveries: A twist in Amazon scams 

    By Greg Collier

    This spring, a concerning trend is on the rise, catching many Amazon customers off guard: receiving packages they never ordered. What might initially seem like a harmless mistake is, in fact, part of a more insidious scam that is becoming increasingly pervasive.

    For many, it starts with an unexpected delivery. It could be anything from patio chair cushions to child’s toys arriving unannounced on your doorstep. This might sound like an innocuous inconvenience, but for some, it’s much more than that.

    Take, for example, a disabled veteran who is finding these unsolicited deliveries particularly burdensome. Receiving numerous boxes that he struggles to move due to his condition has turned a minor nuisance into a significant hassle. The items range from patio chair cushions to various fabric-related products, cluttering his home and adding unnecessary stress to his daily life.

    This situation isn’t unique. Another individual experienced a similar issue, receiving a calligraphy pen and even a child’s scooter, all without ordering them. This phenomenon is known as the brushing scam. It’s an attempt by unscrupulous third-party sellers to boost their ratings on Amazon by sending out unsolicited items to unsuspecting individuals. By doing so, they can post fake positive reviews to bolster their product’s visibility and credibility.

    According to the Better Business Bureau (BBB), this is not an isolated incident. They have received reports from thousands of people across the country experiencing these random deliveries. The items sent can be bizarre and varied, making it clear that these packages are not simply misplaced orders but part of a calculated strategy.

    While it might be tempting to dismiss this as a victimless crime, the reality is more concerning. The very fact that these scammers have access to your name and address indicates that your personal information is in the wrong hands. This should not be taken lightly.

    Here’s what you should do if you find yourself on the receiving end of this scam. Contact Amazon or the respective retailer to inform them about the unsolicited items. Immediately update your password for the site to enhance your account’s security. You should also enable two-factor authentication, as this provides an extra layer of security to your account.

    Remember, legally, you are not obligated to return these deliveries. However, reporting them to Amazon’s fraud website is a prudent step. This helps prevent further misuse of your information and ensures you are not mistakenly charged for items you never ordered.

    In conclusion, while receiving unexpected packages might seem like a minor inconvenience, it is part of a larger, more troubling scheme. By taking the necessary precautions and staying informed, you can protect your personal information and help curb this growing threat.

     

  • Geebo 9:00 am on February 8, 2024 Permalink | Reply
    Tags: online shopping, , , TikTok Shop   

    BBB warns against buying from TikTok Shop 

    By Greg Collier

    TikTok Shop is a feature within the TikTok app that allows users to browse and purchase products directly from TikTok creators’ videos. It enables creators to tag products in their videos, making it easier for viewers to discover and buy items they see in the content. This feature helps creators monetize their content and provides users with a seamless shopping experience without leaving the app.

    Scammers may exploit TikTok Shop in various ways to deceive users and conduct fraudulent activities. They might create fake listings for products that don’t exist or are of poor quality. They may also use enticing images and descriptions to lure users into making purchases. Some scammers may sell counterfeit versions of popular products through TikTok Shop, tricking users into buying items that are not authentic.

    Scammers might even pose as legitimate sellers on TikTok Shop and convince users to make payments outside the platform, bypassing TikTok’s security measures. Once the payment is made, the scammer disappears without delivering the product.

    Recently, the Better Business Bureau issued a cautionary statement regarding purchases made through TikTok Shop. A common grievance reported to the BBB involves consumers paying for products but not receiving them. Additionally, consumers express unease over the lack of clarity regarding the entities they’ve entrusted with their payment details.

    The BBB advises TikTok users to conduct thorough research on vendors before making purchases through TikTok Shop. It’s crucial to understand the vendor’s return policy, if available, and to verify their authenticity by checking for verification badges. Additionally, potential buyers should search for reviews and complaints about the vendor online. When making a purchase through TikTok Shop, using a credit card is recommended for enhanced consumer protection compared to other payment methods.

    While TikTok Shop offers a convenient platform for discovering and purchasing products, users should always be on the lookout for potential scams. By staying informed and cautious, TikTok users can minimize the risks associated with scams on the platform.

     

  • Geebo 9:00 am on December 14, 2023 Permalink | Reply
    Tags: , discreet shipping, online shopping,   

    What is the discreet shipping scam? 

    By Greg Collier

    It seems the only news stories about scams this time of year are related to Christmas shopping. To be fair, the holidays are when scams are most active. With so much money being spent by consumers, scammers are looking to for any way to get their hands on some. Previously, we’ve posted about the text message delivery scam, gift card scams including the new gift card draining scams, porch pirates, and a myriad of online shopping scams. Now a new scam has emerged designed to take your money while Christmas shopping.

    It’s called the discreet shipping fee scam, and it is an addition to online shopping scams. In this new scam, a victim may be lured into using a website that isn’t on the up and up. Once the victim places their order, and even pays for shipping, they’re contacted by the vendor. The vendor will ask if they want to add ‘discreet shipping’ to their order. The problem is, discreet shipping can take many forms, but they all want to steal from you.

    For example, if a shopper is ordering something but doesn’t want their entire neighborhood knowing what they ordered. Some examples that were given in that instance would be legal but questionable items like cigars, CBD products, and vaping accessories. Another version of the scam will charge the customer the discreet shipping fee if they indicate their purchase is a gift. Also, if a shopper were to order an item from overseas, they might be charged for discreet package stamps, so their purchase will avoid customs.

    Unfortunately, by the time the vendor tries to charge a shopper discreet shipping fees, they already have the shopper’s money from the purchase, and the shopper may not receive the item they paid for at all. The best prevention in these cases is only using reputable websites for shopping. When shopping online, try to use a credit card as much as possible. Credit cards provide much more protection than most forms of payment. Don’t use payment apps such as Zelle or Venmo, as they’re designed to be used for friends and family. Most retailers will not ask for payment by these apps. Not only should you check the retailer’s reputation by doing a Google search about them, you should also check to see how long they’ve been around to avoid fly-by-night retailers.

     

  • Geebo 9:00 am on December 11, 2023 Permalink | Reply
    Tags: home shopping channels, , online shopping, ,   

    Scammers pose as home shopping channels 

    By Greg Collier

    While the majority of shopping from home is done online, home shopping channels are still wildly popular in our digital age. They’re popular enough to the point where scammers are said to be imitating them on social media.

    The Better Business Bureau (BBB) has issued a warning about this new scam that is plaguing social media users. According to the BBB, these scammers have taken to various social media platforms like Facebook, TikTok and Instagram, where they’ve taken out ads that appear to sell many of the same items you’ll find on home shopping channels. In some instances, the scammers are using footage from these channels to make their scam seem more legitimate.

    If someone were to click on the ad, they would be taken to a website that is an imitation of the official websites for the shopping channels. While a customer thinks they’re making a purchase at a great deal, they’re actually giving their personal and financial information to the scammers. Many victims who fell for this scam, never received the product they ordered nor did they receive a refund.

    The BBB advises when shopping online to make sure you check the URL of the website where you’re shopping to make sure it’s not an impostor site. If the website belongs to a company you’re not familiar with, do a web search with the company’s name along with the phrases ‘reviews’, ‘complaints’, and ‘scams’ before you make a purchase. Lastly, if the ad is on social media, check the comments for complaints.

     

  • Geebo 9:00 am on December 4, 2023 Permalink | Reply
    Tags: , , , , online shopping,   

    New delivery scam in time for the holidays 

    By Greg Collier

    By now, many of us should be familiar with the text message delivery scam. In that scam, scammers send out text messages posing as popular delivery services such as UPS, FedEx, and even the United States Postal Service. The text message claims a delivery can’t be made to the recipient’s address, and asks the recipient to click on a link provided in the message for further instructions. Once the link is clicked, the recipient is taken to a malicious website that asks for personal and financial information, so the delivery could be made. In reality, the scammers are looking for this information to commit identity and financial theft.

    This is a popular scam throughout the year, but incredibly popular during the holiday season, when most people are expecting deliveries to their homes. Now, scammers are taking a more straightforward approach by calling their potential victims directly. The callers are identifying themselves as drivers for the various delivery services. The phony drivers claim they have a delivery for you, but can’t find your home. Then, like the text message scam, the scammers start asking for personal and financial information so they can supposedly make their delivery. If you tell them you’re not expecting a delivery, the scammers will try to tell you that you’re being sent a gift from a friend or family.

    The best way to protect yourself from this scam is to keep track of your deliveries and who they’re being delivered by. Most vendors will provide you with a tracking number from that delivery service. If you receive one of these scam calls, but still have concerns, hang up and call the delivery service customer service number from their website. They’ll be able to let you know if you’re receiving a legitimate delivery and its status. Never give out your personal or payment information, even if someone is claiming to be from a company you trust.

     

  • Geebo 8:00 am on November 1, 2023 Permalink | Reply
    Tags: online shopping, ,   

    Veteran taken advantage of in puppy scam 

    Veteran taken advantage of in puppy scam

    By Greg Collier

    A couple from Columbus, Ohio, wanted to get a puppy as an emotional support animal. The husband is a legally blind veteran, who wanted a Siberian Husky to keep him company and provide emotional support when his wife wasn’t home.

    The couple shopped for a puppy online and thought they found the perfect one for sale from an Oklahoma breeder. The breeder’s asking price was $850. Husky puppies typically vary in price from $800 to $2500. Then the couple was directed to a shipping company to arrange delivery of the puppy.

    The delivery company asked for an additional $750 that would be refundable when the couple picked up the puppy at the airport. Then the delivery company started asking the couple for more money. The news report we saw didn’t say what the additional money was for. However, in most puppy scams like this, the scammers will tell their victims more money is needed for things like vaccines, a special travel crate, insurance, and other fictitious fees.

    When the couple could no longer afford to pay any more money, the delivery company would call them and pressure them to borrow money from friends and family. Once scammers find a victim who is willing to pay them, it’s not unheard of for the scammers to attempt to get more money out of their victims.

    By the time it was all over, the couple had sent the scammers $3000, which has had a serious negative impact on their mental health. That’s a detail that is often overlooked in stories like these.

    If you’re looking to add a puppy to your family, you might want to avoid shopping for one online. Scammers often set up legitimate looking websites with images stolen from other places on the internet. If you insist on shopping online, do a reverse image search to make sure pictures of the puppies weren’t taken from somewhere else. Also do a WHOIS search on the website’s domain name. If it was recently registered, that could be a good indicator of a scammer.

    We recommend only using a breeder who is within a day’s driving distance round-trip. But before leaving, check with the Better Business Bureau to see if the breeder has had any complaints.

    However, our true wish is that you consider adopting from your local shelter. Typically, puppies can be obtained from shelters at little to no expense.

     

  • Geebo 8:00 am on October 11, 2023 Permalink | Reply
    Tags: free jewelry, online shopping, , ,   

    Beware this TikTok shopping scam 

    By Greg Collier

    There is an old saying that goes, “Don’t believe anything you hear and only half of what you see”. That saying could not apply more to social media. In a landscape filled with bots, con artists, and shady advertisements, it’s no wonder scammers have taken to the hottest social media platform to spread their newest scam.

    The Better Business Bureau has issued a warning about an online shopping scam taking place on TikTok. According to the BBB, scammers are posting videos to TikTok claiming they’re disgruntled employees of a high-end jewelry store. The scammers say they’re quitting from the store and to get back at their employers, they’re going to give viewers a secret code to get free merchandise.

    The trick here is that viewers are directed to a fake website that looks like a retailer’s website. While the ‘secret code’ gives the viewer 100% discounts for the merchandise, shipping fees will rack up. If someone were to complete their order, the scammers would have the victim’s financial information. If the victim receives any product at all, it’s usually a cheap knock-off. The BBB is also warning this scam could be duplicated using any kind of retailer.

    We say this a lot, but it really tends to be true. If an offer sounds too good to be true, it probably is. Any outrageous offers like this should be thoroughly researched before committing to making a payment. IN actuality, you should really only shop with retailers who have already gained your trust. Lastly, if at all possible, always shop online with a credit card. If you get ripped off while using a credit card, you’re more than likely to get your money back than you would with a debit card, as credit cards provide more protection to consumers.

     

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