Common Holiday Scams & How to Protect Yourself

The holiday season should be a time of connection, celebration, and giving but unfortunately, it’s also one of the busiest times of year for scammers. As more people shop online, donate to charities, and mail gifts, fraudsters take advantage of the rush and distraction to target unsuspecting victims.

Below are the most common holiday scams to watch for, how they typically work, and steps you 

can take to protect yourself. You’ll also find guidance on what to do if you’ve already fallen victim.

1. Phishing Emails & Text Messages

Scammers often send messages that look like they’re coming from retailers, delivery services, financial institutions, or even your own workplace.

How The Scam Works:

• You receive a message claiming there’s an issue with a package, a problem with your account, or a limited-time holiday deal.

• The message includes a link that takes you to a fake website designed to steal your login information, credit card numbers, or personal data. Some links may also install malware onto your device.

Red Flags to Watch For:

• Spelling or grammatical errors

• Urgent language like “Immediate Action Required!”

• Links that don’t match the company’s real URL

• Unexpected messages about orders you never placed

How to Protect Yourself:

• Never click links from unknown or unexpected messages.

• Go directly to the company’s official website or app.

• Enable two-factor authentication.

• Keep device and antivirus software updated.

2. Charity Fraud

During the giving season, scammers create fake charities or impersonate real ones.

How The Scam Works:

• You’re contacted with an urgent plea for holiday donations.

• The scammer pressures you to donate using cash apps, wire transfers, or gift cards.

• The “charity” is fake or unrelated to the claimed organization.

How to Protect Yourself:

• Verify charities using trusted tools.

• Avoid donating through links in messages or social media.

• Never feel pressured to donate immediately.

• Use credit cards for safer transactions.

3. Gift Card Scams

Gift cards are often requested as payment by scammers.

How The Scam Works:

• Scammers claim you owe money or won a prize.

• They demand payment in gift cards.

• Once the code is shared, funds are unrecoverable.

How to Protect Yourself:

• Legitimate agencies never ask for gift card payments.

• Purchase gift cards only from reputable stores.

• Check for tampering.

4. Mail Fraud & Check Scams

Fraudulent checks are mailed as surprise “rebates” or “prizes.”

How The Scam Works:

• Victims deposit the check, which initially appears to clear. Later, the check bounces, and victims cover the loss.

How to Protect Yourself:

• Avoid depositing unexpected checks.

• Use secure mailboxes for sending important mail.

5. Imposter Scams 

Government Imposter Scam Highlight: Scammers pose as federal agents claiming your identity is compromised.

How The Scam Works:

• You receive a call claiming you’re under investigation.

• Scammers demand urgent payment in cash or Bitcoin via ATM.

• Funds sent through Bitcoin ATMs cannot be recovered.

How to Protect Yourself:

• Hang up! Government agencies never request Bitcoin or gift card payments.

• Never share personal information with unsolicited callers.

• Contact agencies using official phone numbers.

• Report suspicious calls to the FTC.

What to Do If You Receive a Suspicious Message:

• Don’t respond or click links.

• Verify with the company directly.

• Block the sender and report the scam.

• Monitor your accounts.

What to Do If You’ve Fallen Victim:

1. Contact your financial institution immediately.

2. Change compromised passwords.

3. Report the scam on the FTC website.

4. Consider a fraud alert or credit freeze with all 3 credit bureaus.

5. Document everything.

Staying alert to these scams can help you protect your finances and your peace of mind during the busy holiday season. With a few simple precautions, you can shop, give, and celebrate safely. Remember, we’re always here to help! Visit our scam resource page anytime to stay informed, stop by any of our convenient branch locations or call 248-322-9800 extension 5 to speak with a team member today. 

 

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