It's easy to lose our critical thinking skills around the holidays. In a frenzy of last-minute gift shopping and travel bookings, we can be more anxious, more distracted and more vulnerable.
"There's a lot of hustle and bustle during the holiday season, so there's a lot more opportunities for scammers to steal from us," says Amy Nofziger, senior director of Fraud Victim Support at the AARP Fraud Watch Network, a fraud prevention service.
In a recent AARP survey of nearly 2,000 U.S. adults, nearly 9 out of 10 reported being targeted by or falling for some type of scam during the holiday season in the past year. Common schemes included fake shipping notifications, stolen packages and fake charity and donation requests.
Being aware of the tactics that scammers use this time of year can safeguard you from falling victim to fraud, Nofziger says. She shares four types of scams her team has seen this season.
Fake retail ads on social media
Scammers open stores on social media platforms for a limited period of time. They sell fake branded clothing or jewelry and use stolen logos or similar domain names to appear authentic. The store might disappear shortly after you've placed your order.
How to protect yourself: "If you're using a vendor that you haven't normally used, take the name of the vendor, put it in a new search, type the words 'scam,' 'fraud' and 'complaint' after it, and use other shoppers' experiences with the company to guide your own," Nofziger says.
She recommends always using a credit card to pay for online goods. "You have greater consumer protections," she says, meaning, in the event you fall for a scam, you can have an easier time getting your money back.
Fake gift cards
If you're looking to buy a gift card for someone, know that it is possible for scammers to get the gift card number and PIN before you buy it.
"They actually remove stacks of gift cards off of the card carousels, log every gift card number and PIN into their system, then load those gift cards back onto the carousels," says Nofziger.
If you add money onto one of these cards, scammers are notified and able to instantly withdraw it. "You could not even have left the store yet and that money could be drained," she says.
How to protect yourself: Nofziger recommends buying gift cards that are close to the front of the store and might have had more eyes watching them. She also suggests purchasing electronic gift cards instead of physical cards that can be tampered with.
Fake delivery texts
It's more common to receive unexpected packages around the holidays, and scammers will use that to their advantage, says Nofziger.
"They'll send out fake notifications saying that they're from a shipping company and that there's a problem with your account," like a missing piece of your address, she says. "But most of the time, if there's a problem with a package, you will hear directly from the vendor."
How to protect yourself: If you receive an unexpected text message from a shipping company like UPS or FedEx asking for your personal information, Nofziger's advice is to reach out separately to the company's customer service line and confirm that a package is indeed coming your way. You can also verify your address directly through their website.
Usually, "this is nothing but a phishing scam," she says, or an attempt to dupe you into sharing personal information.
Travel deals too good to be true
Travel prices can get expensive around the holidays, leading some to search online for better deals. But Nofziger says to be wary of suspiciously cheap fares and travel websites you haven't used before.
Nofziger's team receives a lot of reports about car rental scams. "People think they're getting a great deal, but they have to prepay with a prepaid gift card," she says. "Then they get to their location and there's no car."
How to protect yourself: She recommends sticking to vendors you have a preexisting relationship with and vetting any new travel website you might use.
Ultimately, if you fall for any of these scams, know that it's common. "Be proactive and report it as quickly as possible," says Nofziger. You can report the incident to local law enforcement, the Federal Trade Commission and the AARP Fraud Watch Network.
The digital story was edited by Malaka Gharib, with art direction by Beck Harlan. We'd love to hear from you. Leave us a voicemail at 202-216-9823, or email us at LifeKit@npr.org.
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