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What are the most common holiday scams this year?
This year, the most prevalent holiday scams include phishing emails that appear to be from reputable retailers, smishing texts that trick consumers into revealing personal information, and brushing scams where unsolicited packages are sent to consumers. These scams exploit the holiday rush, making it easier for fraudsters to deceive unsuspecting shoppers.
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How can I protect myself from holiday scams?
To protect yourself from holiday scams, always verify the sender of emails and texts before clicking on any links. Use official websites to make purchases and avoid sharing personal information over unsecured channels. Additionally, consider using two-factor authentication for online accounts and regularly monitor your bank statements for any unauthorized transactions.
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What should I do if I fall victim to a holiday scam?
If you fall victim to a holiday scam, immediately report it to your bank or credit card company to dispute any unauthorized charges. You should also file a report with local authorities and consider placing a fraud alert on your credit report. Keeping records of all communications related to the scam can also be helpful.
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Are banks doing enough to warn consumers about holiday scams?
Banks are increasingly aware of the rise in holiday scams and are taking steps to warn consumers. Many institutions are sending out alerts and tips on how to avoid scams during the festive season. However, consumers must also take personal responsibility to stay informed and vigilant against potential threats.
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What is a brushing scam and how can I identify it?
A brushing scam occurs when a consumer receives unsolicited packages from a seller they did not order from. This tactic is often used to create fake reviews or boost sales rankings. If you receive a package you didn't order, check the sender's information and report it to the authorities if it seems suspicious.
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How can I report a holiday scam?
To report a holiday scam, you can contact your local consumer protection agency or the Federal Trade Commission (FTC). Additionally, reporting the scam to the platform where it occurred (like social media or an online marketplace) can help prevent others from falling victim. Keeping detailed records of the scam will assist authorities in their investigation.