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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have"/> <meta property="og:image" content="https://aarp-states.brightspotcdn.com/dims4/default/f63d31e/2147483647/strip/true/crop/2123x1365+127+0/resize/420x270!/quality/90/?url=http%3A%2F%2Faarp-brightspot.s3.amazonaws.com%2Fstates%2F47%2Fa0%2Fac34094e44ffa41340c417076cda%2Fholiday-scams.jpg"/> :root { --primaryColor: #ff1e3c; --primaryTextColor: #2a2a2a; --linkTextColor: #1f66bd; --linkHoverColor: #1f66bd; --secondaryTextColor: #000000; --secondaryColor2: #000000; --secondaryColor3: #000000; --secondaryColor4: #000000; --secondaryColor5: #000000; --black: #000000; --white: #ffffff; --grey: #f0efed; --gridGutters: 30px; --modulePadding: 60px; --pageWidth: 86.11%; --maxPageWidth: 1240px; --horizontalAlignment: center; --fontFamily: 'Roboto', sans-serif; --headerBackgroundColor:#000000; --headerTextColor:#FFFFFF; --headerHeight:50px; --footerbackgroundColor:#000000; --footerTextColor:#918883; }', 'title_for_layout' => '{local_city_c}, {local_state} Happenings - AARP' ) $content_for_layout = '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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} </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have"/> <meta property="og:image" content="https://aarp-states.brightspotcdn.com/dims4/default/f63d31e/2147483647/strip/true/crop/2123x1365+127+0/resize/420x270!/quality/90/?url=http%3A%2F%2Faarp-brightspot.s3.amazonaws.com%2Fstates%2F47%2Fa0%2Fac34094e44ffa41340c417076cda%2Fholiday-scams.jpg"/> :root { --primaryColor: #ff1e3c; --primaryTextColor: #2a2a2a; --linkTextColor: #1f66bd; --linkHoverColor: #1f66bd; --secondaryTextColor: #000000; --secondaryColor2: #000000; --secondaryColor3: #000000; --secondaryColor4: #000000; --secondaryColor5: #000000; --black: #000000; --white: #ffffff; --grey: #f0efed; --gridGutters: 30px; --modulePadding: 60px; --pageWidth: 86.11%; --maxPageWidth: 1240px; --horizontalAlignment: center; --fontFamily: 'Roboto', sans-serif; --headerBackgroundColor:#000000; --headerTextColor:#FFFFFF; --headerHeight:50px; --footerbackgroundColor:#000000; --footerTextColor:#918883; }', 'title_for_layout' => '{local_city_c}, {local_state} Happenings - AARP' ) $content_for_layout = '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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It’s the most wonderful time of the year...for both you and scammers. According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:
*NEW SCAM ALERT – Card declined scams. You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!
Watch out for text messages and emails saying there’s a problem with your shipment, even if they look like they’re coming from Amazon. And be wary of links provided for you to “re-schedule or update your delivery information.” If you receive a linked tracking number, don’t use the link – go to the delivery service website and check it yourself.
Scammers often use tactics like these to get you to:
Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.
How to avoid charity fraud:
Online shopping scams often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or may imitate a brand you know and trust. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.
Red flags of online shopping fraud include:
Check out the Florida Attorney General’s E-Commerce Cons guide for more information on spotting and reporting online shopping scams.
From hijacked vacation rental listings to international driving permit scams – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( Be wary of “free” trips or incredibly discounted travel options – if it’s not an outright scam, there are likely hidden and unincluded costs.
How to protect yourself from travel scams:
Gift cards are a go-to gift for many and they’re also a popular target for theft by fraudsters. “Gift card draining” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through in-store tampering of card packaging.
Tips to prevent gift card theft:
If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit the Fraud Watch Network Helpline at 877-908-3360.
For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at aarp.org/FLFraud.
This story is provided by AARP Florida. Visit the AARP Florida page for more news, events, and programs affecting retirement, health care, and more.
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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have"/> <meta property="og:image" content="https://aarp-states.brightspotcdn.com/dims4/default/f63d31e/2147483647/strip/true/crop/2123x1365+127+0/resize/420x270!/quality/90/?url=http%3A%2F%2Faarp-brightspot.s3.amazonaws.com%2Fstates%2F47%2Fa0%2Fac34094e44ffa41340c417076cda%2Fholiday-scams.jpg"/> :root { --primaryColor: #ff1e3c; --primaryTextColor: #2a2a2a; --linkTextColor: #1f66bd; --linkHoverColor: #1f66bd; --secondaryTextColor: #000000; --secondaryColor2: #000000; --secondaryColor3: #000000; --secondaryColor4: #000000; --secondaryColor5: #000000; --black: #000000; --white: #ffffff; --grey: #f0efed; --gridGutters: 30px; --modulePadding: 60px; --pageWidth: 86.11%; --maxPageWidth: 1240px; --horizontalAlignment: center; --fontFamily: 'Roboto', sans-serif; --headerBackgroundColor:#000000; --headerTextColor:#FFFFFF; --headerHeight:50px; --footerbackgroundColor:#000000; --footerTextColor:#918883; }', 'title_for_layout' => '{local_city_c}, {local_state} Happenings - AARP' ) $content_for_layout = '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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} </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. 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According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have"/> <meta name="twitter:image" content="https://aarp-states.brightspotcdn.com/dims4/default/f63d31e/2147483647/strip/true/crop/2123x1365+127+0/resize/420x270!/quality/90/?url=http%3A%2F%2Faarp-brightspot.s3.amazonaws.com%2Fstates%2F47%2Fa0%2Fac34094e44ffa41340c417076cda%2Fholiday-scams.jpg"/> <meta property="og:type" content="article"/> <meta property="og:title" content="‘Tis the Season for Holiday Scams "/> <meta property="og:description" content="It’s the most wonderful time of the year...for both you and scammers. According to a 2023 AARP Holiday Shopping Fraud report, 80% of U.S. consumers have"/> <meta property="og:image" content="https://aarp-states.brightspotcdn.com/dims4/default/f63d31e/2147483647/strip/true/crop/2123x1365+127+0/resize/420x270!/quality/90/?url=http%3A%2F%2Faarp-brightspot.s3.amazonaws.com%2Fstates%2F47%2Fa0%2Fac34094e44ffa41340c417076cda%2Fholiday-scams.jpg"/> :root { --primaryColor: #ff1e3c; --primaryTextColor: #2a2a2a; --linkTextColor: #1f66bd; --linkHoverColor: #1f66bd; --secondaryTextColor: #000000; --secondaryColor2: #000000; --secondaryColor3: #000000; --secondaryColor4: #000000; --secondaryColor5: #000000; --black: #000000; --white: #ffffff; --grey: #f0efed; --gridGutters: 30px; --modulePadding: 60px; --pageWidth: 86.11%; --maxPageWidth: 1240px; --horizontalAlignment: center; --fontFamily: 'Roboto', sans-serif; --headerBackgroundColor:#000000; --headerTextColor:#FFFFFF; --headerHeight:50px; --footerbackgroundColor:#000000; --footerTextColor:#918883; }', 'title_for_layout' => '{local_city_c}, {local_state} Happenings - AARP' ) $content_for_layout = '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">‘Tis the Season for Holiday Scams </h1></header> <div class="posted-on"> Posted on 11/07/24 by <b>Karen Murillo</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>It’s the most wonderful time of the year...for both you <i>and </i>scammers. According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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According to a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/pri/topics/work-finances-retirement/fraud-consumer-protection/2023-holiday-shopping-scams/" target="_blank" rel="noopener noreferrer"><u>2023 AARP Holiday Shopping Fraud report</u></a></span></span>, 80% of U.S. consumers have experienced holiday-related fraud. But what are the top scams? Here’s what you need to know to stay safe this holiday season:<br><br><b><i>*NEW SCAM ALERT</i></b><i> – </i><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/30839-bbb-scam-alert-card-declined-error-may-lead-to-multiple-fraudulent-charges" target="_blank" rel="noopener noreferrer"><i><u>Card declined scams.</u></i></a></span></span><i> You’re told your card has been declined during an online transaction and you’re prompted to use a different card. Later you realize you were charged twice!</i><br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Fake Order or Delivery</h2></span></span><p>Watch out for text messages and emails saying there’s a problem with your shipment, even if <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2024/latest-amazon-impostor-scams.html?intcmp=AE-FRDSC-MOR-R2-POS3" target="_blank" rel="noopener noreferrer"><u>they look like they’re coming from Amazon</u></a></span></span>. And <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2023/fake-usps-ups-smishing-texts.html" target="_blank" rel="noopener noreferrer"><u>be wary of links</u></a></span></span> provided for you to “re-schedule or update your delivery information.” If you receive a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/smishing-package-tracking-text-scams" target="_blank" rel="noopener noreferrer"><u>linked tracking number</u></a></span></span>, don’t use the link – go to the delivery service website and check it yourself.<br><br>Scammers often use tactics like these to get you to:<br></p><ul><li>Pay the scammer for bogus shipping fees or taxes. </li><li>Click on a link that downloads malware to your device. </li><li>Disclose sensitive personal, financial, or account-related information. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Charity Fraud</h2></span></span><p>Criminals like to hide in plain sight, sometimes appearing in the same ways as legitimate charities. Whether it’s in-person, over the phone, through social media, or paper mail, always be skeptical of anyone asking for your money, information, or some action, like clicking on a link.<br><br>How to avoid charity fraud:<br></p><ul><li>Look carefully at the name, logo, and URL for the organization – scammers will often <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fightcybercrime.org/scams/imposter/charity-scams/" target="_blank" rel="noopener noreferrer"><u>imitate real charities</u></a></span></span>. </li><li>Research any organization <u>before</u> you donate. You can use tools like Florida’s “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://csapp.fdacs.gov/CSPublicApp/CheckACharity/CheckACharity.aspx" target="_blank" rel="noopener noreferrer"><u>Check-A-Charity</u></a></span></span>” or through the national <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.charitynavigator.org/" target="_blank" rel="noopener noreferrer"><u>Charity Navigator</u></a></span></span>. </li><li>Don’t donate to organizations that insist you pay via cryptocurrency, <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aura.com/learn/why-do-scammers-want-gift-cards?srsltid=AfmBOoqsZAH0l6aeL-AhPdq-h1Bf4m7YvAwQ6TpDpxqOP2KVCQaCWBFU" target="_blank" rel="noopener noreferrer"><u>gift cards</u></a></span></span>, money transfer, or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/mobile-payment-apps-how-avoid-scam-when-you-use-one" target="_blank" rel="noopener noreferrer"><u>money payment apps</u></a></span></span>; <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.experian.com/blogs/ask-experian/are-credit-cards-safer-than-debit-cards/" target="_blank" rel="noopener noreferrer"><u>Credit cards are a safer option</u></a></span></span>. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Online Purchase Scams</h2></span></span><p><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/info-2019/online-shopping.html?intcmp=AE-FWN-LIB3-POS5" target="_blank" rel="noopener noreferrer"><u>Online shopping scams</u></a></span></span> often start with a phony website, mobile app, or social media advertisement. Fraudsters may create a completely fake company or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://may/" target="_blank" rel="noopener noreferrer"><u>may imitate a brand you know and trust</u></a></span></span>. As a result, you might be left empty-handed after paying the scammer, or receive a knockoff, low-quality product instead.<br><br>Red flags of online shopping fraud include:<br></p><ul><li>An amazing deal offered through a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers" target="_blank" rel="noopener noreferrer"><u>social media ad</u></a></span></span>. </li><li>The online shop is very new and only has <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-spot-a-fake-review" target="_blank" rel="noopener noreferrer"><u>glowing reviews</u></a></span></span>. </li><li>The <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/all/spot-a-scam/how-to-identify-a-fake-website" target="_blank" rel="noopener noreferrer"><u>site provides minimal info</u></a></span></span> on privacy, dispute processes, or contact details. </li></ul><p>Check out the Florida Attorney General’s <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.myfloridalegal.com/sites/default/files/2023-07/e-commerce-cons-v1.pdf" target="_blank" rel="noopener noreferrer"><u>E-Commerce Cons</u></a></span></span> guide for more information on spotting and reporting online shopping scams.<br><br></p><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Travel Scams</h2></span></span><p>From <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/rental-listing-scams" target="_blank" rel="noopener noreferrer"><u>hijacked vacation rental listings</u></a></span></span> to <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/consumer-alerts/2024/06/planning-drive-another-country-heres-how-avoid-international-drivers-permit-scams" target="_blank" rel="noopener noreferrer"><u>international driving permit scams</u></a></span></span> – there are countless ways for scammers to take advantage of popular travel times like the holidays. ( <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.uspis.gov/news/scam-article/free-vacation-and-travel-scams" target="_blank" rel="noopener noreferrer"><u>Be wary of “free” trips</u></a></span></span> or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://consumer.ftc.gov/articles/avoid-scams-when-you-travel" target="_blank" rel="noopener noreferrer"><u>incredibly discounted travel options</u></a></span></span> – if it’s not an outright scam, there are likely hidden and unincluded costs.<br><br>How to protect yourself from travel scams:<br></p><ul><li>Look up the website to see if it’s real through resources like <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.whois.com/whois" target="_blank" rel="noopener noreferrer"><u>WhoIs.com</u></a></span></span>. </li><li>Don’t rely on the top <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/to-google-or-not-to-google-that-is-the-question" target="_blank" rel="noopener noreferrer"><u>Google search results</u></a></span></span>; use trusted sources and contact info. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.equifax.co.uk/resources/identity-protection/travel-scams.html#:~:text=The%20email%20or%20text%20you,take%20months%20to%20sort%20out" target="_blank" rel="noopener noreferrer"><u>Don’t give personal info to someone who contacts you</u></a></span></span>, not even dates of travel. </li></ul><span class="Enhancement" ><span class="Enhancement-item"><h2 class="inline-heading">Gift Card Theft</h2></span></span><p>Gift cards are a go-to gift for many and they’re also a <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.ncsl.org/state-legislatures-news/details/as-consumers-lose-millions-to-gift-card-scams-lawmakers-pressure-businesses" target="_blank" rel="noopener noreferrer"><u>popular target for theft</u></a></span></span> by fraudsters. “<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Gift card draining</u></a></span></span>” occurs when fraudsters obtain the gift card details like the bar code, CVV number, PIN, or activation code and then spend the money before the card recipient. This is usually done be through <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.dhs.gov/hsi/insider/recognize-respond-gift-card-fraud-retail" target="_blank" rel="noopener noreferrer"><u>in-store tampering of card packaging</u></a></span></span>.<br><br>Tips to prevent gift card theft:<br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.fdic.gov/consumers/consumer/news/december2019.html#:~:text=If%20possible%2C%20register%20your%20gift,card%20is%20lost%20or%20stolen." target="_blank" rel="noopener noreferrer"><u>Register your gift card</u></a></span></span> when possible. </li><li>Use caution when <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.mcafee.com/blogs/internet-security/gift-card-scams-the-gift-that-keeps-on-taking/" target="_blank" rel="noopener noreferrer"><u>checking your card balance</u></a></span></span>. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.bbb.org/article/news-releases/14400-dont-get-scammed-out-of-a-gift-card-this-season" target="_blank" rel="noopener noreferrer"><u>Purchase gift cards online directly from the merchant</u></a></span></span>. </li></ul><p>If you or someone you know has been targeted by a scam report the matter to law enforcement – it’s a crime. Not sure where to start? Call or visit <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/scams-fraud/helpline/" target="_blank" rel="noopener noreferrer"><u>the Fraud Watch Network Helpline</u></a></span></span> at 877-908-3360.<br><br>For more scams affecting Floridians as well as the resources on how to monitor and report them, please visit AARP Florida’s Fraud Resource page at<span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://states.aarp.org/florida/aarp-florida-fraud-resource-center?CMP=RDRCT-STATES-FL-FRAUD-062723" target="_blank" rel="noopener noreferrer"> aarp.org/FLFraud.</a></span></span><br></p></div> </div> </p></span> </div> </div> <p><i>This story is provided by AARP Florida. Visit the <a href="https://states.aarp.org/region/florida/" target="_blank">AARP Florida</a> page for more news, events, and programs affecting retirement, health care, and more.</i></p> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); 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} </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-TALLAHASSEE-FL">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; 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