Tag Archives: Holiday season scams

Amazon Scams to be Aware of this Holiday Season

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The holiday season is a time of joy and giving, but it’s also a peak time for scammers to target unsuspecting shoppers. With online shopping surging during this period, Amazon scams have become a growing concern. These scams aim to trick you into providing sensitive information or making unauthorized payments. By understanding the most common scams and learning how to avoid them, you can keep your finances and personal information safe this holiday season. 

Common Amazon Scams:

1. Order Confirmation Scams

These scams often involve unexpected, fake communications about unauthorized purchases. Scammers alert you of an unauthorized purchase, urging you to act quickly by clicking a link to confirm or cancel the transaction. They may attempt to convince you to share payment information and login details, or even purchase gift cards to resolve the issue.

2. Tech Support Scams

Scammers create fake websites offering “tech support” for Amazon devices or services, luring victims to call a fraudulent number. They may request remote access to your device or ask for sensitive information. Always go directly to the help section of Amazon’s website when seeking help. If you use a search engine, use caution. Legitimate Amazon links contain Amazon.com such as Amazon.com/support.

3. Prime Membership Scams

These scams falsely claim that your Prime membership is at risk or you owe a large membership fee. Scammers may request payment details or bank information to “reinstate” your membership. Amazon will never ask you to provide payment information for products or services over the phone.

Visit the Message Center on the Amazon website or mobile app to review authentic emails from Amazon. To verify your Prime membership status or make payments, log in to your Amazon account, then go to Your Account and select Prime.

4. Account Suspension/Deletion Scams

These scams claim your Amazon account will be suspended or deleted unless you take immediate action, such as providing login credentials or clicking a suspicious link. Always remember that Amazon will never ask you to disclose your password or verify sensitive personal information over the phone or on any website other than Amazon.com.

How to Spot and Avoid Scams:

Go Directly to the Source

Amazon will never ask for your password or sensitive information via phone or email. Check your account status by logging into Amazon directly and reviewing notifications in the Message Center.

Verify All Communications

Legitimate Amazon messages are stored in your account’s Message Center. Always check within your account if you receive suspicious emails, texts, or calls claiming to be from Amazon.

Beware of Urgency Tactics

Scammers often try to create panic or urgency, pressuring you to act quickly. Legitimate companies rarely demand immediate action.

Use Official Channels

Always make payments or update account details through the Amazon website or mobile app. Never enter sensitive information into third-party websites or unsolicited links.

Secure Your Login Credentials

Never share your password or sensitive information over the phone or through email. Enable two-factor authentication for an extra layer of security.

Monitor Financial Activity

Regularly review your bank and credit card statements for unauthorized charges. Contact First Financial immediately if you notice anything unusual or believe you have been a victim of fraudulent activity on your First Financial accounts.

Report Suspicious Activity

If you encounter a scam, report it directly to Amazon using their self-reporting tool or contact their customer service team.

If you think you’ve been targeted by a scammer, visit Amazon’s Identifying a Scam webpage. Amazon has partnered with the Better Business Bureau to provide consumers with a searchable Scam Tracker. This enables you to search for suspicious communications reported by others via email, URL, phone number, and more. Scams are constantly changing and adapting as consumers become aware of new tactics – visit Amazon’s Latest Scam Trends page which is updated monthly with new scams and details you should know.

Stay Safe This Holiday Season with First Financial

At First Financial, we’re committed to helping our members protect their finances and personal information during the holiday season and beyond. By staying informed about common scams and following best practices, you can shop online with confidence. For more financial tips or to report suspicious account activity on your First Financial account, call us at 732.312.1500 or visit a branch today.

 

Don’t Fall for a Utility Scam This Holiday Season

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‘Tis the season for utility cutoff scams to ramp up. If you get a text, email, or phone call from your “utility company” threatening to shut off your power for non-payment this holiday season, don’t panic – it’s most likely a scam.

Threats to Turn Off Water and Power Could Be the Work of Scammers

Many basic necessities rely on utilities we take for granted, and that makes them perfect for a scammer to exploit. Like many other scams, utility scams occur when a scammer pretends to be someone they’re not. In this case, the scammer poses as a representative from your power or water company and threatens to turn off your services unless you send payment right away or provide some important personal information.

Different Approaches, Same Intent

These scams can happen through email, over the phone, via text message, and in person. In some cases, the scammer may report you’ve overpaid for services and ask for a bank account, credit card, or utility account information to allegedly issue a refund. Remember that your actual utility company would already have this information. What’s more likely is that the scammer is trying to get your personal account information to commit fraud.

Utility scams typically include an urgent notice threatening to cancel your service due to a missed payment – leaving you without heat, air conditioning, or water. Scammers use urgency to create panic and scare you into acting fast without thinking or confirming the authenticity of the situation.

Individuals posing as utility workers may even show up at your home for a fake inspection or equipment repair, investigate a supposed gas leak, or conduct a “free” audit for energy efficiency. They will try to charge you for the fake service, sell you unnecessary products, or collect personal information to use in identity theft activities. Don’t fall for these tactics, your actual utility company would not operate in this manner.

Fast Payments Work in Scammers’ Favor

Since electronic payments are a fast way to send money and often can’t be reversed, the scammer may say that they need immediate payment via bank wire, gift card, or digital payment apps like Venmo or Zelle® to keep your utilities running. These scams are often timed for maximum urgency, such as peak heating or air conditioning seasons, or right before a big holiday celebration like Thanksgiving.

How to Protect Yourself

Watch for these warning signs to detect a utility scam in progress:

  • An unscheduled or unsolicited call or visit from someone claiming to represent your power or water company. No matter how great the offer or frightening the situation sounds, decline any action until you can verify its authenticity.
  • Threats to cut off service unless an overdue bill or maintenance cost is paid immediately. Most utility companies send multiple notifications before canceling service.
  • Requests for personal account information or payment via bank wire, gift card, or digital payment apps like Venmo or Zelle®

If you experience any of these situations, follow these steps:

  • Slow down and ask questions, like what the individual’s employee identification number is or ask them to confirm the date and amount of your most recent payment.
  • Do not respond to text or email messages threatening to turn off your utilities.
  • Call the utility company using the number on your bill or the company’s website before taking any action. Do not use a number provided by the representative.

At First Financial, our goal is to help protect our members from scams and identity theft. If you have any concerns or questions about any of your First Financial accounts, please call member services at 732.312.1500 or visit one of our branches.

To learn more about scams and ways to protect yourself, visit zellepay.com/pay-it-safe.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

 

 

 

How to Avoid Holiday Season Gift Card Scams

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It’s the time of year where many scams are prevalent, however lately – gift card scams seem to be popping up and affecting consumers more and more this holiday season. Continue reading to find out how to protect yourself and your finances from this type of fraudulent transaction.

If you ever receive a call, email, or text from someone asking to be paid via a gift card or to buy something by putting money on a gift card and then giving them the numbers on the back of the card – they are attempting to scam you. Before you read any further, know that a legitimate business or government agency will never ask to collect payment via gift card.

Why do fraudsters attempt to collect payment in the form of gift cards? Because they are easy to get, and there are virtually no buyer protections. In other words, it’s basically like using cash. And when the money on the gift card is gone, it’s gone.

How does a gift card scam work?

  • You’ll get a call, email, or text letting you know you’ll need to pay as soon as possible, and that the only way to do so and help is to buy a gift card.
  • The requestor will almost always tell you exactly which gift card to purchase – typically eBay, Google Play, Target, iTunes, and so forth. You might even be asked to purchase the gift card at a specific store, such as Target, Walmart, CVS, or Walgreens. The scammer may ask you to purchase various gift cards at different stores too (this is so the cashier won’t be suspicious).
  • Once purchased, you’ll be asked for the gift card number and PIN. These two items will give the scammer access to all the funds that were loaded onto the card, and once they have that – the money is theirs and they can use it immediately with no way for you to get it back.

If you are thinking the steps listed above are pretty obvious and how could someone actually fall for this type of scam – keep reading.

How scammers convince consumers to purchase gift cards and get away with it:

  • The caller states they are from the government, such as the IRS or Social Security Administration. They’ll tell you that you owe taxes or need to pay a fine, and the only way to do so is with a gift card.
  • The caller says they are with Apple or Microsoft tech support, and that there is something wrong with your device. They’ll also tell you that in order to fix it, you’ll need to go out and purchase a specific related gift card.
  • Online dating sites are another hangout for gift card scammers. If you meet and chat with someone via a dating site or app, and then after they build a connection with you – they tell you they need help and the only way to do so is with a gift card.
  • The scammer spoofs the phone number of a family member or friend close to you, and tells you they’re in trouble and that the only way to help them is to go out and purchase a gift card. If this happens to you, hang up and actually call your relative or friend on your own and ask if they truly need help.
  • You are contacted that you won a prize, however in order to redeem it – you need to pay contest fees with a gift card. This will never happen with a legitimate contest, and – did you ever enter one to begin with?
  • You get a call from your “utility company” threatening to cut off your service unless you pay them with a gift card.
  • Someone contacts you and says you will receive a check in the mail – however it ends up being more than you were told you would be getting. The sender contacts you again and tells you to deposit the check into your bank account, and give them the difference on a gift card. There are two problems here – the gift card payment, and also the check being deposited is typically fake and you may be held liable for that amount by your bank as well.

Here are a few ways to ensure gift cards are used properly and legitimately:

  • Remember that gift cards are for gifts. You should never use a gift card to pay someone.
  • Purchase gift cards at stores you know and trust – don’t buy them online or through a gift card auction site, as they may be fake or stolen.
  • Look the gift card over before you purchase it. Ensure there are protective stickers that have not been tampered with, and make sure the PIN on the back isn’t visible.
  • Keep your receipt after your gift card purchase. This will prove that money was loaded onto the card if you ever need it, as well as the gift card’s ID number will be listed. If you ever lose the gift card, you’ll be able to file a report to close that particular card.

The moral of the story: This holiday season (and any time), be mindful of those who might be trying to scam you into purchasing gift cards. Always remember, legitimate organizations will never ask to be paid in this manner.

THINK First because There’s Harm In Not Knowing!

 

Article Source: ftc.gov

Don’t Give to a Charity Imposter this Holiday Season

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When you give to a charity, you’re giving because you care and want to help — and you want to be sure your money actually gets to those you’re trying to help. But scammers who are pretending to be a charity, will try to get to your wallet.

Typically people feel as though the holiday season is one of the most important times of the year to donate to a charity – which is a great thing, just be sure you are doing your research and know where your money is going first!

Consider these tips before you give:

  • Rule out anyone who asks you to send cash, pay with a gift card, or wire money.
  • Confirm the exact name of the charity and do some research, especially when donating for the first time. Search for the name of the charity online — plus the word “complaint” or “scam.” That’s one way to learn about a charity’s reputation.
  • Give to charities you know and trust, with a proven track record. Before you give to any charity, check them out with the Better Business Bureau’s (BBB) Wise Giving Alliance, Charity Navigator, Charity Watch, or GuideStar.
  • Avoid charities that seem to pop up overnight in connection with a natural disaster or other tragedy.
  • Don’t assume that pleas for help on crowdfunding sites or social media are legitimate. Real victims’ pictures and stories can easily be misused to con you.
  • Before you text to donate, confirm the number on the charity’s website.
  • Be cautious of clicking on links or opening attachments in emails, even if they appear to be from a charity. You could unknowingly install malware on your computer or be taken to a look-alike website run by scammers.

For more information, visit ftc.gov/charity. If you think you’ve spotted a charity scam, report it to the FTC.