The winter holidays are often a time when we see an increase in scams. People are more vulnerable to scams during a time of fast decision making, tight deadlines, and added stress. So remember to take a few breaths before clicking on unknown links this winter. Scams are not limited to online shopping as they can come in the form of fake delivery texts, fraudulent charities, and bogus employment offers. More information can be found at the Better Business Bureau’s 12 Scams of the Holidays. We’ve listed our favorite tips below.
- Check out that Charity
- Use Give.org to verify the Charity before pledging money.
- Use Secure Payment Methods
- Never purchase with online sellers who demand you pay with gift cards or wire transfers.
- Use Credit Cards as much as possible for purchases.
- Verify Websites / Links
- Search the name of the company and ‘scam’ to see what others say.
- Be wary of links in texts, emails and pop up adds. Go directly to the company website instead.
Additional information about How to identify and avoid charity scams
With the increase in fake charity solicitations, particularly around the holidays, it is important that you verify the legitimacy of any organization before donating. Start with trusted resources like CharityWatch, Charity Navigator, and the Better Business Bureau’s Wise Giving Alliance. The State of Vermont also has lots of helpful resources to prevent scams as part of their scam prevention program.
Before donating, make sure to search the internet for complaints against the entity. Watch out for high-pressure tactics, and keep in mind that legitimate charities welcome donations whenever you’re ready. If you feel pressured to give immediately, consider it a red flag. Make sure not to send funds that are hard to trace such via wire transfer, cash, or gift cards. Consider donating directly, preferably to a known entity. Go directly to the organization’s official website. Avoid clicking links in emails or texts, especially if you’re unfamiliar with the sender. Above all protect your personal information such as social security numbers, and avoid giving out bank account or credit card numbers over the phone and particularly not via email. Any requests for overseas money transfers should raise immediate suspicion.