Look for these Types of Fraud: Before and After the Holidays- Part 3 of 3

High angle view of man holding smartphone with colorful application icons at home

Here are three additional types of fraud you should look out for during the holidays.

Watch for Fake Surveys

Emails promising some sort of money or gift card in exchange for completing a survey, can end up being a scam as well. Most of the time the surveys are very short and generic, but at the end they ask for some personal information. This is typically what the scammers are really after. By gathering this information, they can use it to further a more advanced phishing scam. Rule of thumb; don’t give out any personal information over the internet if you don’t know who is requesting it.

Craigslist fraud

On Craigslist, you can find just about anything. Pets, vehicles, bikes, and even wedding dresses are some of the popular items going around. Although this site can be beneficial for both buyer and seller, it is important to always use caution when posting or purchasing items on this website.

Luckily, recognizing a scam is not as hard as you might think. Scammers will often approach you with a vague initial inquiry about your item and when they show interest they’ll refuse to meet face-to-face. Simple things like misspelling and poor grammar are also tell-tale signs of a fraudster. Some scammers are going as far as sending out a genuine-looking check that is written for more than the asking price. The customer is then instructed to cash the check and send the rest of the money to a third party. Once the check fails to clear, the customer is then responsible for paying back those funds. Don’t allow yourself to become a victim; avoid putting any personal contact information directly on the ad, never wire funds, and under no circumstances should you ever give out your financial information.

Giving safely

In the spirit of the holiday season you may be feeling extra generous and want to donate some money to a good cause, while this is a wonderful thing to do it is important to make sure you know where you’re money is going. Unfortunately scammers are drawn to charities that most Americans resonate most powerfully with for example, charities that support families of public service men and children with cancer. When choosing a charity to donate to a little bit of research goes a long way.

 

Look for these Types of Fraud: Before and After the Holidays- Part 2 of 3

Holiday shopping using laptop computer, photographed against chrHere are three more types of fraud you should look out for during the holidays.

Online banking fraud

Online banking fraud continues to rise each year as the use of technology becomes more prevalent. The most common scam fraudsters are using right now begins with them asking for your login information while applying for a loan online. Once you have given out those credentials the scammer will have access to all sorts of personal information along with the funds in your accounts. It is important to remember that no legitimate lender will ask you for that information and there is no reason to ever share your online banking credentials.

Look Out for Fake Purchase Invoices

With holiday shopping in full swing, it is likely that you’re getting multiple emails a day from stores offering discounts on their products. Although this can be a useful way to save money, make sure that the emails you’re clicking on are from merchants that you are familiar with. One type of email fraud scammers are using is fake purchase receipts. An unexpected receipt from Amazon or Walmart during the holidays may not raise a red flag, shoppers may be more likely to take the bait and click on a malicious link. If you happen to get an email with a purchase receipt that you do not remember making it is best to delete the email right away.

Shipping Status Malware Messages

With almost half of holiday shopping being completed online, many consumers will be expecting multiple deliveries to their home. As with fake email receipt messages, fake shipping notifications also increase each year around the holidays. If you just placed an order that shipped via UPS, and then you get a zipped document with vague wording about your recent order being delayed, you may be more likely to click it. Make sure that you’re reading emails thoroughly and can verify that it came from a trusted source before clicking on any links. If you still feel uneasy about the situation, you should call the merchant directly and discuss the status of your package with them.

Fraud tips brought to you by:

http://www.pcworld.com/article/3143570/security/10-sneaky-holiday-phishing-scams-to-watch-out-for.html#slide1

http://www.cbsnews.com/news/how-to-protect-yourself-against-charity-fraud-during-the-holidays/

http://www.cbsnews.com/news/beware-of-holiday-travel-scams/

Look for these Types of Fraud: Before and After the Holidays- Part 1 of 3

Christmas online shopping. Laptop with copy space on screen lay on white wood, present boxes and christmas tree on background. Internet commerce on winter holidays concept

You should always be on the lookout for scams; but due to the influx in shopping and distractions in December, scammers are more likely to try and gain access to your money and personal information making it even more important to be vigilant in the upcoming weeks.

Here are three holiday threats that you should watch out for as well as helpful hints on how to avoid becoming a victim:

Keep an Eye on Your Accounts

Whether you buy everything that catches your eye, or plan out every purchase individually, it is important for you to keep an eye on your accounts during the holiday season. It only takes one store compromise to give criminals access to the funds in your bank account. Utilizing alerts in online banking or your CNB mobile app are two easy ways to give you peace of mind and assure that the only purchases coming through your account are ones that you have authorized.

Traveling Safely this Holiday Season

With more than ninety million Americans traveling this holiday season, and the cost of travel on the rise, it is easy for passengers to become targets of scammers offering cheap options that are hard to pass up, but ultimately too good to be true. For example, if you’re trying to book a trip online and they won’t accept a credit card for payment be cautious. If they insist on a wire transfer, don’t do it! It’s most definitely a scam. Phony distress emails, free vacations, and travel clubs are all ways that scammers will attempt to target you. Don’t fall victim to these tricks and always do your research before making any purchasing decisions.

Here at Central National Bank we try to keep you protected, and the best way for us to do that is if you inform us at your local branch in advance of your trip. This is important especially when you plan on traveling out of the state or country. This is the easiest way to avoid problems with your debit card. If we know you aren’t traveling, then we can shut down fraudulent point of sale transactions much faster.

Be Cautious of Email Deals

Not all emails and sales are going to be legitimate this shopping season. If it sounds too good to be true then it probably is! Many emails and promotions from stores you already shop at are legitimate, but it is important to exercise caution when receiving deals or product promotions from stores or sellers you have never purchased from. Scammers will be trying to take advantage of everyone so make sure to do a little research before making purchases from companies you have never worked with before.

Fraud tips brought to you by:

http://www.pcworld.com/article/3143570/security/10-sneaky-holiday-phishing-scams-to-watch-out-for.html#slide1

http://www.cbsnews.com/news/how-to-protect-yourself-against-charity-fraud-during-the-holidays/

http://www.cbsnews.com/news/beware-of-holiday-travel-scams/