GREAT FALLS — With one of the biggest shopping days of the year on Black Friday, MTN News checked in with the Better Business Bureau for tips to avoid holiday scams.
BBB Great West & Pacific spokesperson Roseann Freitas said the supply chain disruption has created a new opportunity for scams.
The disruption has made many items hard to find and scammers may try to capitalize on that. She encourages people to pay close attention to any hard-to-find item before actually buying it.
"If you find it somewhere and it seems like a really good deal, you really should think about that as a red flag. Because it is hard to find, first of all you're not going to find it discounted. Second, you probably might not find it at all. So what you're going to have to do is verify that merchant, whoever you're purchasing it from,” Freitas explained.
You can also check the BBB’s Scam Tracker website to see scams reported in your area.
If you see a scam, or what you suspect to be a scam, Freitas recommends reporting the scam or potential scam. You can also make as report with the Federal Trade Commission.
What if you’ve fallen for a scam? “If it is your credit card (that you’ve given out,) go ahead and reach out to your credit card company and put a freeze on that card,” Freitas said. She added that you can also go to AnnualCreditReport.com and freeze your account.
If you gave the scammer more information, such as your Social Security number, identitytheft.gov will walk you through the process of what you need to do.
More tips from the FBI:
Practice good cybersecurity hygiene.
- Don’t click any suspicious links or attachments in emails, on websites, or on social media. Phishing scams and similar crimes get you to click on links and give up personal information like your name, password, and bank account number. In some cases, you may unknowingly download malware to your device.
- Be especially wary if a company asks you to update your password or account information. Look up the company’s phone number on your own and call the company.
Know who you’re buying from or selling to.
- Check each website’s URL to make sure it’s legitimate and secure. A site you’re buying from should have https in the web address. If it doesn’t, don’t enter your information on that site.
- If you’re purchasing from a company for the first time, do your research and check reviews.
- Verify the legitimacy of a buyer or seller before moving forward with a purchase. If you’re using an online marketplace or auction website, check their feedback rating. Be wary of buyers and sellers with mostly unfavorable feedback ratings or no ratings at all.
- Avoid sellers who act as authorized dealers or factory representatives of popular items in countries where there would be no such deals.
- Be wary of sellers who post an auction or advertisement as if they reside in the U.S., then respond to questions by stating they are out of the country on business, family emergency, or similar reasons.
- Avoid buyers who request their purchase be shipped using a certain method to avoid customs or taxes inside another country.
Be careful how you pay.
- Never wire money directly to a seller.
- Avoid paying for items with pre-paid gift cards. In these scams, a seller will ask you to send them a gift card number and PIN. Instead of using that gift card for your payment, the scammer will steal the funds, and you’ll never receive your item.
- Use a credit card when shopping online and check your statement regularly. If you see a suspicious transaction, contact your credit card company to dispute the charge.
Monitor the shipping process.
- Always get tracking numbers for items you buy online, so you can make sure they have been shipped and can follow the delivery process.
- Be suspect of any credit card purchases where the address of the cardholder does not match the shipping address when you are selling. Always receive the cardholder’s authorization before shipping any products.