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  Geebo 9:02 am on December 10, 2024 Permalink | Reply
  Tags: identity theft ( 108 ), Scams, sim swapping ( 9 ), smart phones ( 14 )   

  SIM Swapping Scam Can Happen to Anyone 

  

  By Greg Collier

  The convenience of managing our finances and communications through smartphones comes with significant risks. One of the most insidious threats is SIM swapping, a scam that has left countless victims, including a California resident who recently lost $38,000, in financial turmoil. This incident is a reminder that no one is immune to such scams, and protecting oneself requires awareness.

  SIM swapping occurs when a scammer tricks a mobile carrier into transferring a victim’s phone number to a device they control. This doesn’t require physical access to the victim’s phone. Armed with basic personal information, often gathered through online sources or data breaches, fraudsters impersonate the victim to convince the carrier to make the switch.

  Once the fraudsters gain control of a phone number, the possibilities for exploitation are vast. They can intercept calls and texts, including the two-factor authentication (2FA) codes that are often the last line of defense for financial accounts. This allows them to bypass security measures and initiate fraudulent transactions. Alarmingly, this scam isn’t limited to traditional SIM cards as eSIM technology, which doesn’t rely on a physical SIM, is just as vulnerable.

  The victim in this recent case described the harrowing experience of losing access to his phone and, subsequently, his financial accounts. It started with strange notifications and the sudden inability to connect to his cellular network. Soon after, three wire transfers drained his account of $38,000, funds meant for essential living expenses. Despite reporting the fraud, the initial response from his bank denied his claim, citing a confirmation sent via text, a text the victim never received because his phone number was compromised.

  The frustration and helplessness in such scenarios can be overwhelming. Even after the bank reopened the case, uncertainty loomed about whether the funds would ever be recovered.

  According to the FBI, SIM swapping scams affected over 1,000 victims in 2023, resulting in more than $48 million in losses. The alarming aspect of this scam is that victims don’t need to interact directly with the fraudsters. By leveraging personal information available online, names, addresses, and other seemingly innocuous details, scammers can bypass many security measures.

  This underscores the importance of adopting robust security practices that go beyond traditional protections. Simple measures like setting up a PIN for mobile accounts or using app-based authentication for 2FA can make a significant difference.

  The first step in mitigating the risk of SIM swapping is awareness. Recognize that this scam can target anyone, regardless of the type of phone or SIM technology they use. No phone is inherently safe from this attack, and assuming invulnerability can lead to complacency.

  Strengthening your defenses begins with securing your mobile account. Many carriers offer the option to set a unique PIN or passphrase that is required for account changes. Additionally, wherever possible, replace text-based 2FA with app-based authentication tools, which are less susceptible to interception.

  Being mindful of the information you share online is also critical. Social media profiles and public records can provide scammers with the details they need to impersonate you. Regularly monitor your financial accounts for unusual activity and act quickly if you notice anything suspicious.

  If you fall victim to a SIM swapping scam, report it immediately to your mobile carrier and financial institutions. Additionally, filing a complaint with the FBI’s Internet Crime Complaint Center (IC3) can aid in tracking and combating this growing threat. While recovery may take time, persistence and proper documentation of the fraud are essential.

  SIM swapping is a sobering example of how our reliance on technology can be exploited. By staying informed and implementing strong security measures, individuals can reduce their vulnerability to these devastating scams. This is a collective battle, and vigilance is our best defense.

   

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  Geebo 9:00 am on December 9, 2024 Permalink | Reply
  Tags: AirTags ( 2 ), car theft ( 4 ), Facebook Marketplace ( 64 ), Scams, tracking device, used car ( 35 )   

  Scammers Hide Tracking Device in Car Purchase 

  

  By Greg Collier

  In an era where online marketplaces connect buyers and sellers across vast distances, convenience often comes with risk. A recent case in Colorado serves as a cautionary tale, illustrating just how sophisticated online scams can be, and how devastating their consequences.

  This unfortunate incident began when a local resident came across an ad for a pickup truck on Facebook Marketplace. The listing was detailed, the price seemed reasonable, and the seller appeared legitimate. Determined to finalize the deal, the buyer even flew to Texas to meet the seller in person. Everything about the transaction seemed above board. The documents matched, VINs checked out, and even the license plates appeared legitimate.

  After the truck was driven back to Colorado, the truth began to unravel when the buyer attempted to register the vehicle. A closer inspection by law enforcement revealed a complex web of fraud. The truck’s title had been ‘washed’, meaning it was illegally altered to remove critical information. The license plates were cloned from a legitimate vehicle, and most chillingly, a tracking device was discovered hidden in the vehicle.

  This tracking device revealed the scammers’ strategy After selling the stolen truck, they intended to locate it using the tracker and steal it back, leaving the unsuspecting buyer out thousands of dollars and without a vehicle. The truck, as it turned out, had been reported stolen, and its rightful ownership had already transferred to an insurance company.

  The scam underscores the increasingly elaborate lengths to which criminals will go to exploit online platforms.

  To avoid falling victim to such schemes, it’s crucial to approach online transactions with suspicion. Start by recognizing that deals that seem “too good to be true” often are. A significantly below-market price should be a red flag, especially for high-value items like vehicles.

  Whenever possible, avoid cash payments. Instead, use payment methods that provide a layer of protection, such as certified checks or escrow services.

  Always insist on meeting in a secure, public place like a police department. Many law enforcement agencies offer their parking lots as safe zones for transactions.

  Take steps to independently verify the legitimacy of any vehicle you plan to purchase. Request a detailed vehicle history report and ensure the title matches the VIN on all parts of the car. Utilize certified VIN inspectors to confirm the authenticity of the vehicle’s documentation. And remain wary of sellers who have excuses for missing items, such as spare keys or incomplete paperwork.

  Checking for hidden tracking devices in a used car is an essential step to ensure your safety and protect yourself from potential scams. Scammers often place these devices in inconspicuous areas of the vehicle to track its location after the sale. During your inspection, pay close attention to both the exterior and interior of the car. Examine areas such as the wheel wells, undercarriage, bumpers, and any compartments that might conceal a device. Inside the vehicle, inspect beneath seats, behind panels, and within storage areas for anything that looks unusual or out of place.

  To enhance your search, consider using a GPS scanner or a bug detector. These tools can detect signals emitted by tracking devices, providing an extra layer of assurance. It’s also wise to carefully review the vehicle’s wiring and electrical components, as some devices may be connected to the car’s battery or fuse box to maintain power.

  If you’re uncertain about conducting a thorough inspection yourself, seeking help from a professional is a prudent choice. Mechanics or automotive security specialists are well-equipped to check for hidden devices and can give you confidence in your purchase. Taking these precautions not only protects your investment but also ensures your personal safety and peace of mind when buying a used vehicle.

   
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  Geebo 9:00 am on December 6, 2024 Permalink | Reply
  Tags: Facebook ( 180 ), Robert Thibodeau, Scams, serial killer hoax, social media ( 81 )   

  Serial Killer Social Media Post is a Scam 

  

  By Greg Collier

  A disturbing social media scam has been making the rounds across Facebook, alarming communities in Southwest Florida and beyond. The post, which began circulating in early this month, falsely claims that a serial killer named ‘Robert Thibodeau’ is targeting residents in local neighborhoods. The fabricated story alleges that this individual approaches homes under the pretense of being homeless before attacking victims with a knife or stealing from unsuspecting individuals.

  Despite the viral nature of the post and its widespread sharing in local community groups, law enforcement has confirmed that the claims are entirely untrue. Authorities in Southwest Florida have emphasized that this is a hoax designed to manipulate emotions, create fear, and ultimately exploit individuals for financial gain or personal information.

  These scams often prey on our natural inclination to protect ourselves and our loved ones. The detailed narrative and emotionally charged content make it highly shareable, even among those who might otherwise be skeptical of unverified online information. This particular scam follows a well-worn pattern. Initial fearmongering posts are later replaced by fraudulent promotions for giveaways, cryptocurrency, or fake charities, all designed to extract money or data from unsuspecting users.

  Unfortunately, this is not the first time such tactics have been used. Scammers have previously circulated similar stories featuring missing children who are not actually missing, exaggerated crime reports, or fabricated community emergencies. These tactics sow panic and erode trust within neighborhoods, creating undue danger by encouraging misinformed responses or misplaced vigilance.

  The repercussions of these scams extend beyond the immediate victims. By creating a false sense of alarm, they divert attention and resources from genuine safety concerns and disrupt the work of law enforcement. Misinformation spreads rapidly on platforms like Facebook, where sharing posts takes only seconds, but verifying their authenticity often goes ignored.

  Law enforcement agencies are urging residents to avoid sharing these posts. Instead, they recommend reporting the content directly to the platform where it appears or notifying group administrators to ensure its removal.

  Authorities have also reassured the public that they will promptly inform residents of any credible threats. Meanwhile, individuals are encouraged to remain vigilant against such scams and report suspicious incidents to local law enforcement, allowing professionals to investigate and address genuine concerns.

  Social media can be a powerful tool for fostering connection and disseminating important information, but it also has the potential to amplify harmful misinformation. Posts like these highlight the importance of critical thinking and verification before sharing content online. By resisting the urge to spread unverified claims, communities can help protect themselves from undue danger and prevent scammers from exploiting their trust.

  Remember, if something feels designed to provoke fear or urgency, it’s worth taking a moment to pause, verify, and report instead of sharing. A little caution can go a long way in preserving the safety and peace of mind within our communities.

   
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  Geebo 9:00 am on December 5, 2024 Permalink | Reply
  Tags: bank fraud ( 26 ), bank scam ( 74 ), chip cards, couriers ( 5 ), debit cards ( 15 ), Scams   

  Latest Bank Scam Targets Card Chips 

  

  By Greg Collier

  Chip-enabled debit cards are designed to provide an extra layer of security for consumers, but scammers are now exploiting this technology in a startling new scheme that could drain your bank account. If you’re not careful, you could fall victim to this sophisticated fraud that combines phishing, spoofing, and clever social engineering.

  Here’s how the scam unfolds. It begins with an email or text message that appears to be from your bank, alerting you to an issue with your debit card. This message is quickly followed by a phone call, supposedly from your bank’s customer service team. Thanks to spoofing technology, the call looks legitimate, displaying the actual phone number of your bank.

  The caller claims there’s a problem with your card and instructs you to cut the card in half for security reasons, but keep the chip intact. They then explain that a bank representative or courier will come to your home to collect the chip for further investigation or replacement. When the ‘courier’ arrives, they use subtle but effective social engineering tactics to convince you to share your PIN. Once they have both the chip and your PIN, the scammers can easily install the chip into a new card and access your funds.

  This scam is particularly alarming because it leverages trust in your bank and creates a false sense of urgency. However, it’s critical to remember one key fact, no legitimate bank will ever send a courier to your home to address issues with your account. Any such request should be an immediate red flag.

  This isn’t the only scam involving so-called ‘couriers’. Fraudsters often use individuals posing as couriers to execute other schemes, such as fake lottery winnings or fraudulent purchases. In some cases, they may even recruit unwitting ride-share drivers to pick up and deliver items, adding another layer of confusion and detachment from the actual crime.

  To protect yourself, never share your PIN or other sensitive information with anyone, even if they appear to be from your bank. If you receive a suspicious call or message, hang up and contact your bank directly using the number on the back of your card. Additionally, never hand over your card chip or any other personal banking materials to someone claiming to be a representative of your bank.

  By recognizing the warning signs and refusing to engage with fraudulent requests, you can safeguard your finances and avoid becoming a victim of this alarming new scheme.

   
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  Geebo 9:00 am on December 4, 2024 Permalink | Reply
  Tags: dating apps ( 2 ), extortion ( 16 ), online dating ( 8 ), police impersonation scam ( 68 ), Scams   

  Holiday Scammers Target Dating App Users 

  

  By Greg Collier

  As the holiday season approaches, many people find themselves seeking connection and companionship. No one wants to be alone during this festive time, but the desire for intimacy and warmth can make people more vulnerable to scams, particularly those that prey on trust and fear. A concerning scam has recently emerged in the Hilton Head Island, South Carolina area, targeting unsuspecting individuals on dating apps. Fraudsters are impersonating law enforcement officers, exploiting fears of legal trouble, and pressuring victims into sending money.

  In a recent incident reported to Beaufort County deputies, a North Carolina resident fell victim to this deceptive scheme. The victim had been chatting with a woman on a dating app whose profile claimed she was 20 years old. After the exchange of risqué photos, although the victim reportedly did not send any himself, he received a call from someone posing as a local investigator. The caller claimed the woman was actually underage and involved her so-called “father” in the conversation, further fabricating a story about therapy expenses and demanding payment. The victim, frightened by the false accusations, sent thousands of dollars before realizing it was a scam.

  This scheme is not new, but its prevalence highlights the importance of vigilance, especially during a season when people may feel more emotionally vulnerable. Fraudsters often use intimidation tactics, posing as authority figures and even using real names of law enforcement officials to appear credible. Their goal is to create a sense of urgency that pushes victims to act before they have time to think critically.

  While connecting with others online can be a wonderful way to meet people, it’s essential to stay cautious and protect yourself. Scammers rely on panic and embarrassment to manipulate their targets, so staying calm and informed is your best defense.

  Never send money to someone claiming to be a law enforcement officer or anyone pressuring you to pay to avoid legal trouble. Real police officers will not demand immediate payments or use threats to resolve situations. Additionally, always verify the identity of anyone claiming to be in a position of authority. You can independently contact the agency they claim to represent using official contact information.

  Be cautious about sharing personal information or engaging in intimate conversations with people you’ve just met online. While the allure of a connection can be strong, take the time to verify the person’s identity through safe channels.

  Using trusted digital platforms for transactions and setting strong privacy controls on your social media and communication apps can also provide an added layer of security. If you suspect you’re being targeted, document the interaction and report it to law enforcement. Reaching out early can help stop the scam from escalating and protect others in your community.

  The holidays are meant to be a time of joy, togetherness, and warmth. No one deserves to feel isolated during this season, but it’s crucial to balance the desire for connection with awareness of potential risks. Scammers exploit loneliness and vulnerability, but staying informed and cautious can help you avoid falling victim to their schemes.

  If you or someone you know encounters a suspicious situation online, don’t hesitate to reach out for help. Remember, genuine relationships are built on trust and mutual respect, not fear or coercion. Protect yourself this holiday season so you can focus on building connections that bring happiness, not harm.

   
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  Geebo 9:00 am on December 3, 2024 Permalink | Reply
  Tags: BEC scam ( 7 ), business email compromise ( 13 ), home buying ( 6 ), real estate ( 129 ), Scams   

  Protect Your Dream Home From Email Scams 

  

  By Greg Collier

  Each year, millions of Americans achieve the dream of homeownership, often dedicating their life savings to secure a place to call home. However, a growing menace in the form of Business Email Compromise (BEC) scams has turned this milestone into a nightmare for many, stealing funds meant for closing costs and down payments. This sophisticated crime has become a multibillion-dollar problem, leaving buyers, sellers, and real estate professionals scrambling for solutions.

  The heartbreak of falling victim to a BEC scam can’t be overstated. Victims, lulled into a false sense of security by what appear to be legitimate emails from their trusted real estate professionals, are unknowingly redirected to transfer vast sums of money to fraudulent accounts. The criminals behind these scams leverage hacked email threads and insider information to craft convincing messages that fit seamlessly into ongoing transactions. With these tactics, they strike at the most vulnerable moments, just days before closing.

  One victim, for instance, described how she received an email, seemingly from her title company, with instructions to wire her down payment. It all seemed routine until the day of the closing when she discovered the devastating truth. The funds had been rerouted to a criminal’s account. The money, which represented years of savings, was gone instantly. For many, the financial and emotional toll of such losses is immeasurable, and recovering even a portion of the stolen funds can feel like an insurmountable task.

  This growing trend is not limited to individuals. Title companies, real estate firms, and law practices are also frequent targets. Criminal organizations exploit weak links in digital communications, and the damage they inflict extends far beyond monetary loss. For institutions, it undermines trust in their operations. For individuals, it casts a shadow over what should be one of life’s happiest milestones.

  Yet, despite the sophistication of these crimes, there are steps that homebuyers, sellers, and real estate professionals can take to safeguard against falling victim to a BEC scam.

  First and foremost, set clear communication protocols from the beginning. Establish who your points of contact are and confirm that no changes to wiring instructions will be communicated via email. Whenever you receive wiring instructions, always verify their legitimacy by calling your title company or real estate agent using a phone number you know to be authentic. Never rely on phone numbers or links provided in an email.

  Additionally, consider using secure platforms for sharing sensitive information. Many title companies and financial institutions now offer encrypted communication tools specifically designed to combat wire fraud. Leveraging these resources can add a layer of protection to your transaction.

  While it is possible to recover from such losses with resilience and support, prevention is the best defense. By staying informed and cautious, buyers and sellers can ensure their dream of homeownership doesn’t turn into a financial and emotional nightmare.

  Home buying should be a celebration, not a source of sorrow. With the right precautions, you can protect your investment and bring your dream home to reality.

   
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  Geebo 9:00 am on December 2, 2024 Permalink | Reply
  Tags: pyramid scheme ( 12 ), Scams, Secret SIster ( 6 ), Secret Sister Gift Exchange ( 5 ), social media ( 81 )   

  Secret Sister Exchange: A Holiday Scam 

  

  By Greg Collier

  As the holiday shopping season kicks into high gear, a familiar scam has resurfaced on social media, preying on the festive spirit of giving and community. Known as the Secret Sister Gift Exchange scam, it entices participants with the promise of abundant gifts in exchange for sending just one. The Better Business Bureau (BBB) has issued a timely warning. While these schemes may appear harmless or even joyful, they are, in fact, illegal pyramid schemes.

  At the heart of this scam is a tantalizing offer, send one gift, and in return, receive as many as 36 from others. Variations of the scheme include exchanging small, inexpensive items such as $10 gifts, bottles of wine, or other specialty items. The mechanics of the scam involve sending a gift to someone at the top of a circulated list, moving names around, and recruiting friends to join the exchange. Participants are lured by the idea of receiving a cascade of gifts from strangers, an outcome that never materializes.

  The reality is that this scheme is structured like any other pyramid scheme. It relies on an unsustainable cycle of recruiting new participants to keep the operation going. As soon as the chain is broken, which inevitably happens, most participants are left empty-handed. What started as a seemingly fun and generous activity often ends in disappointment and regret.

  Beyond its inherent flaws, engaging in these schemes carries legal consequences. According to the U.S. Postal Inspection Service, these gift exchanges violate laws designed to protect against fraudulent pyramid schemes. The illusion of harmless holiday fun does not exempt these operations from legal scrutiny.

  The BBB advises steering clear of these exchanges if they appear on your social media feeds. The best course of action is to ignore invitations to participate and report such posts to the platform to prevent further spread. This scam thrives on social networks, relying on unsuspecting users to perpetuate its cycle.

  As the season of giving unfolds, it’s important to channel generosity into legitimate and meaningful outlets. Contributing to recognized charities, helping neighbors in need, or participating in organized community events ensures your holiday spirit makes a genuine impact. While the promise of abundant gifts may seem alluring, the true joy of the holidays lies in sharing kindness and goodwill without strings attached.

   
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  Geebo 9:00 am on November 27, 2024 Permalink | Reply
  Tags: employment ( 37 ), job scam ( 81 ), remote workers ( 3 ), Scams, work from home ( 11 )   

  Remote Work Scams Ahead of the Holidays 

  

  By Greg Collier

  As the holiday season approaches, the promise of extra income can be especially appealing. Many people turn to remote work opportunities to help ease financial pressures, whether it’s for gifts, travel, or simply to make ends meet. Unfortunately, this is also a time when scammers ramp up their efforts, preying on people’s hopes for quick and easy earnings. Experts from the Better Business Bureau are raising awareness about a surge in remote work scams designed to exploit these very desires.

  These scams often begin with an unsolicited email or text message offering a too-good-to-be-true opportunity. The job descriptions are enticingly simple, promising significant pay for minimal effort. While it may seem harmless to explore such offers, experts urge caution, particularly if the contact is unexpected or if you haven’t applied for any jobs recently.

  Scammers frequently pose as representatives of legitimate companies, but there are red flags to watch for. Verifying the identity of the person contacting you is essential. A quick internet search of the company’s contact methods can often reveal inconsistencies or outright fraud. If the outreach seems out of the blue or bypasses standard hiring processes, it’s a sign to proceed with skepticism.

  Some schemes involve asking for upfront payments to cover ‘training’ or ‘equipment’, which then snowball into additional financial requests under various pretexts. These payments often add up to substantial losses before victims realize they’ve been duped.

  Certain groups are at higher risk, including college students seeking flexible ways to earn money and older adults who may be more trusting. However, no one is immune. The advanced tools available to scammers today, ranging from fake job postings to sophisticated phishing emails, make it easier than ever for them to appear credible.

  If you suspect a remote job offer may be a scam, it’s crucial to take a step back. Reach out to the company directly using verified contact information to confirm the job’s legitimacy. Resources like the Better Business Bureau’s scam tracker can also help identify patterns of fraudulent activity. Reporting scams helps protect others and ensures that fraudulent activity is monitored and addressed.

  The allure of extra income during the holidays can cloud judgment, but taking time to research and verify opportunities is essential. In today’s digital landscape, caution is the best defense against falling victim to these scams. Whether through consulting trusted resources or simply slowing down to assess the situation, small precautions can go a long way in safeguarding your finances and peace of mind this season.

   
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  Geebo 9:00 am on November 26, 2024 Permalink | Reply
  Tags: 2FA ( 12 ), Apple ( 32 ), phishing ( 79 ), Scams, two factor authentication ( 18 )   

  Beware of the Latest Apple Phishing Scam 

  

  By Greg Collier

  In the ever-evolving landscape of cyber threats, phishing emails remain a persistent and dangerous tactic employed by hackers to steal personal information. The latest target? Apple account holders. A deceptive email claiming to be from Apple Support is making the rounds, aiming to trick recipients into handing over their login credentials and other sensitive data. However, this email isn’t from Apple’s headquarters. It’s a cleverly crafted scam designed to exploit trust and urgency.

  The email is designed to mimic legitimate correspondence from Apple, using familiar formatting and branding to appear authentic. The message claims that your Apple ID has been suspended due to unusual activity or that it’s missing information. It features a blue button labeled ‘Go to Apple ID’, urging you to verify your account to restore access. The sense of urgency is palpable, since it might warn you that failure to act within 24 hours will result in your account being permanently locked.

  While the email may seem convincing at first glance, a closer inspection reveals the hallmarks of a phishing scam. For instance, the sender’s email address doesn’t come from an official Apple domain. Instead, it might originate from a suspicious overseas domain. Additionally, the grammar and phrasing in the email are often awkward or incorrect, a red flag that something is amiss.

  Falling victim to such a scam can have serious consequences. If your Apple account is compromised, scammers could use the payment information stored in your account to purchase expensive Apple products, leaving you with the bill. To avoid such a scenario, it’s critical to scrutinize every email you receive.

  When examining emails, always verify the sender’s address and ensure it matches the official domain of the purported sender. Be wary of any links included in the message, particularly if the email is unexpected or seems suspicious. Legitimate organizations, including Apple, will never ask you to verify sensitive information through an email link. Instead, they’ll direct you to their official website or app to manage your account securely.

  Two-factor authentication (2FA) is another essential tool for protecting your accounts. By requiring a second form of verification, such as a code sent to your phone or another trusted device, 2FA can stop hackers from accessing your account even if they manage to obtain your login credentials.

  By remaining cautious, verifying the authenticity of communications, and enabling robust security measures, you can safeguard your digital identity and prevent scammers from succeeding. Always think twice before clicking, and remember: when in doubt, go directly to the source to verify the legitimacy of any request.

   
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  Geebo 9:00 am on November 25, 2024 Permalink | Reply
  Tags: Black Friday ( 8 ), holiday shopping ( 16 ), online shopping ( 35 ), Scams   

  Staying Safe Online During Black Friday 

  

  By Greg Collier

  As the holiday season ramps up, so do the efforts of online scammers looking to exploit the shopping rush. With Thanksgiving and Black Friday just around the corner, cybersecurity experts are urging consumers to be vigilant. The holiday shopping season, with its flurry of deals and discounts, provides fertile ground for scams designed to steal money and personal information.

  Another gift card scam is on the rise. Scammers are using the promise of gift cards to bait victims into clicking harmful links or providing sensitive information. A phishing email circulating recently uses the logo of a major warehouse club to promise a $100 gift card in exchange for completing a survey. These offers are never legitimate. If you plan to buy gift cards, do so directly from the retailer’s website or in-store to ensure you’re not being duped.

  Another area of concern this year is social media advertising. While scrolling through platforms, you may come across ads promising incredible discounts, often too good to be true. These ads can be enticing, especially during Black Friday, but they might lead to fraudulent websites. For instance, one scam has been seen using a well-known outdoor apparel brand to lure shoppers with promises of 80% off merchandise. Clicking on such ads can direct you to fake websites that mimic legitimate retailers, designed to steal your payment details or infect your device with malware. Always verify the website’s address carefully before making a purchase, as subtle differences in URLs can signify fraudulent sites.

  And since these purchases need to be delivered, another common scam involves fake delivery notifications. These scams surged in popularity last year, preying on the confusion of the holiday shopping season. Fraudsters send text messages or emails claiming there’s an issue with a package delivery, urging recipients to click a link to resolve the problem. These links often lead to malicious websites that aim to collect personal information. To avoid falling victim, keep track of your orders and their legitimate tracking numbers. Be cautious of any message that doesn’t include specific details about a package you’re expecting.

  The excitement of holiday deals can make even the most cautious shopper let their guard down. Scammers know this, which is why they ramp up their efforts this time of year. To protect yourself, approach online deals with skepticism, especially those that appear unexpectedly in your inbox or social media feed. Taking a moment to verify the legitimacy of a website or alert could save you from financial loss and stress during what should be a joyful season.