Scammers are busiest when we're busiest. These are the ones we see most from November to January, and how to stop each one.
"Your package couldn't be delivered" texts
A text or e-mail says a delivery failed and asks you to click a link to reschedule or pay a small fee. Real carriers don't ask for payment by text. Don't click: check the tracking number on the carrier's own app or website, or the store's order page.
Deals that are too good
- Big brands at 70-90% off on a site you've never heard of
- Ads on social media leading to shops with no address or phone number
- Payment only by gift card, wire transfer, Zelle or crypto
Search the shop's name with the word "scam" before buying, and pay by credit card, which gives you the most protection if something goes wrong.
"Can you buy some gift cards for me?"
A message that looks like it's from your boss, pastor or a relative asks you to buy gift cards and send the codes. It's always a scam. Call the person on a number you already have.
Charity appeals
Give through the charity's own website, not a link in a message, and be wary of pressure to give right now.
If you've already paid or clicked
- Call your bank or card company straight away
- Change the password of any account you typed in, and turn on two-step sign-in
- Gift cards: contact the company that issued the card quickly; sometimes funds can be frozen
- Report it at reportfraud.ftc.gov
Not sure about a message? Send it to us before you click, and we'll tell you whether it's real.
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