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What are the most common holiday scams this year?
This year, the most prevalent holiday scams include phishing emails impersonating officials, smishing (SMS phishing), and brushing scams. Scammers often send unsolicited messages claiming urgent action is needed, aiming to steal personal information. Additionally, romance scams have surged, particularly affecting older Americans, with reported losses exceeding $3.4 billion in 2023.
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How can I protect myself from holiday shopping scams?
To protect yourself from holiday shopping scams, always verify the legitimacy of offers before clicking on links or providing personal information. Use secure payment methods, avoid sharing sensitive data over email or text, and be cautious of deals that seem too good to be true. Regularly monitor your financial accounts for any unauthorized transactions.
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What should I do if I fall victim to a scam?
If you fall victim to a scam, act quickly. Report the incident to your bank or credit card company to dispute any unauthorized charges. Additionally, file a report with local authorities and consumer protection agencies. It's also wise to monitor your credit report for any unusual activity and consider placing a fraud alert on your accounts.
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Are there specific signs of phishing and smishing to look for?
Yes, there are several signs of phishing and smishing to watch for. Look for unsolicited messages that create a sense of urgency, contain poor grammar or spelling errors, or ask for personal information. Legitimate organizations typically do not request sensitive data via email or text. Always double-check the sender's email address or phone number for authenticity.
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What is brushing and how does it work?
Brushing is a scam where sellers send unsolicited packages to consumers to create fake reviews and boost their product ratings. The recipient may receive items they never ordered, and the scammer benefits from the positive feedback. If you receive a package you didn't order, report it to the retailer and consider contacting your local authorities.
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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) in the U.S. Additionally, report the scam to the platform where it occurred, such as social media or online marketplaces. Sharing your experience can help raise awareness and prevent others from falling victim to similar scams.