While the holidays are a time of giving, experts say con artists are ready to take whatever they can from unsuspecting North Carolinians. Whether you are shopping in person or online, Amy Nofziger with the AARP Fraud Watch Network says scammers are getting smarter, and some of their biggest cons involve fake charities, gift-card fraud and online shopping.
A newer trick, she says, is fake websites offering the hottest holiday item, “If you click on one of those links, you might think you’re getting a great price on a tablet, let’s say. But what you’re doing is going to the scammer’s fake website, entering your personal and credit card information, and that is where they victimize you.”
She recommends shoppers go to a retailer’s direct website for online shopping. North Carolianians of all ages can learn more about the red flags of fraud through the AARP Fraud Watch Network (fraudwatchnetwork.org.) It tracks trending scams, provides fraud alerts and allows registered users to share stories of fraud they’ve witnessed with others.You can check out a company or report a scam in North Carolina by calling the State Attorney General at 1-877-5-NO-SCAM.
Gift cards are popular presents, and Nofziger says scammers will try cashing in on them by taking pictures of the numbers on front and back of the cards inside stores, before they are purchased, “They will wait for someone to load funds onto that gift card and then, they will drain them. So if you’re buying a gift card, make sure to inspect the gift card – look at the front, look at the back, make sure it has not been tampered with.”
Nofziger says signs that you may have become a fraud victim include suspicious activity on a credit card statement, receiving suspicious mail or unsolicited telemarketing calls. She says North Carolinians can protect themselves best by being informed, “It’s really important for people to be proactive – learn the red flags of fraud and certainly, share them with your family and friends.”
When shopping online, experts say it’s a good idea to use a credit card instead of a debit card that’s directly linked to your bank account, or pay with a pre-paid credit card.