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On Black Friday and Cyber Monday, the deals roll out. So do some of the worst Black Friday and Cyber Monday scams.
Hackers, scammers, and thieves look to cash in this time of year by blending in with the holiday rush, spinning up their own fake shipping notices, phony deals, and even bogus charities that look legitimate at first glance, yet are anything but. Instead, they may be loaded with malware, point you to phishing sites that steal your personal info, or they may simply rip you off.
Classically, many online scams play on emotions by creating a sense of urgency or even fear. And for the holidays, you can throw stress into that mix as well—the stress of time, money, or even the pressure of finding that hard-to-get gift that seems to be out of stock everywhere. The bad actors out there will tailor their attacks around these feelings, hoping that they’ll catch you with your guard down during this busy time of year.
So while knowing how to spot a great gift at a great price is solid skill to have this time of year, so is the ability to spot a scam. Let’s look at some of the worst ones out there, along with what you can do to steer clear of them.
Come this time of year, keeping tabs on all the packages you have in transit can get tricky. You may have an armload of them enroute at any given time, and scammers will look to slip into this mix with phony order confirmations sent to your mailbox or your phone by text. Packed with either an email attachment or a link to a bogus website, they’ll try to get you to download malware or visit a site that attempts to steal your identity.
These messages can look quite legit, so the best way to keep track of your orders is on the sites where you purchased them. Go directly to those sites rather than clicking on any links or attachments you get.
This scam plays out much like the fake order scam, yet in this case the crooks will send a phony package tracking notification, again either as a link or as an attachment. For starters, legitimate retailers won’t send tracking numbers in an attached file. If you see anything like that, it’s surely a scam designed to inject malware onto your device. In the case of a link, the scammers aim to send you to a site that will steal your personal info, just like in the case above.
Once again, the best way to track your packages is to go to the source. Visit the online store where you made your purchase, open your current orders, and get your package tracking information from there.
A classic scammer move is to “typosquat” phony email addresses and URLs that look awfully close to legitimate addresses of legitimate companies and retailers. So close that you may overlook them. They often appear in phishing emails and instead of leading you to a great deal, these can in fact link you to scam sites that can then lift your login credentials, payment info, or even funds should you try to place an order through them.
You can avoid these sites by going to the retailer’s site directly. Be skeptical of any links you receive by email, text, or direct message—it’s best to go to the site yourself by manually typing in the legitimate address yourself and look for the deal there.
At the heart of holiday shopping is scarcity. And scarcity is something scammers love. There’s always some super-popular holiday item that’s tough to find, and scammers will spin up phony websites and offers around those items to lure you in. They may use the typosquatting technique mentioned above to pose as a legitimate retailer, or they may set up a site with their own branding to look legitimate on their own (or at least try). Either way, these scams can hurt you in a couple of ways—one, you’ll pay for the goods and never receive them; and two, the scammers will now have your payment info and address, which they can use to commit further fraud.
If the pricing, availability, or delivery time all look too good to be true for the item in question, it may be a scam designed to harvest your personal info and accounts. Use caution here before you click. If you’re unsure about a product or retailer, read reviews from trusted websites to help see if it’s legitimate. (The Better Business Bureau is a great place to start—more on that in moment.)
In the season of giving, donating to charities in your name or in the name of others makes for a popular holiday gesture. Scammers know this too and will set up phony charities to cash in. Some indications that a phony charity has reached you include an urgent pitch that asks you to “act now.” A proper charity will certainly make their case for a donation, yet they won’t pressure you into it. Moreover, phony charities will outright ask for payment in the form of gift cards, wire transfers (like Western Union), money orders, or even cryptocurrency—because once those funds are sent, they’re nearly impossible to reclaim when you find out you’ve been scammed.
There are plenty of ways to make donations to legitimate charities, and the U.S. Federal Trade Commission (FTC) has a site full of resources so that you can make your donation truly count.
Some of it takes an eagle eye that can spot these scams as they pop up in your inbox, texts, social media feed, and so on. Yet you have further ways you can keep safe while shopping on Black Friday, Cyber Monday, and any time.
This is a great one to start with. Directly typing in the correct address for online stores and retailers is a prime way to avoid scammers online. In the case of retailers that you don’t know much about, the U.S. Better Business Bureau (BBB) asks shoppers to do their research and make sure that retailer has a good reputation. The BBB makes that easier with a listing of retailers you can search simply by typing in their name.
Secure websites begin their address with “https,” not just “http.” That extra “s” in stands for “secure,” which means that it uses a secure protocol for transmitting sensitive info like passwords, credit card numbers, and the like over the internet. It often appears as a little padlock icon in the address bar of your browser, so double-check for that. If you don’t see that it’s secure, it’s best to avoid making purchases on that website.
In the U.S., the Fair Credit Billing Act offers the public protection against fraudulent charges on credit cards, where citizens can dispute charges over $50 for goods and services that were never delivered or otherwise billed incorrectly. Note that many credit card companies have their own policies that improve upon the Fair Credit Billing Act as well. However, debit cards aren’t afforded the same protection under the Act. Avoid using a debit card while shopping online and use your credit card instead.
Two-factor authentication is an extra layer of defense on top of your username and password. It adds in the use of a special one-time-use code to access your account, usually sent to you via email or to your phone by text or a phone call. In all, it combines something you know, like your password, with something you have, like your smartphone. Together, that makes it tougher for a crook to hack your account. If any of your accounts support two-factor authentication, the few extra seconds it takes to set up is more than worth the big boost in protection you’ll get.
Public Wi-Fi in coffee shops and other public locations can expose your private surfing to prying eyes because those networks are open to all. Using a virtual private network (VPN) encrypts your browsing, shopping, and other internet traffic, thus making it secure from attempts at intercepting your data on public Wi-Fi, such as your passwords and credit card numbers.
What’s more, a VPN masks your whereabouts and your IP address, plus uses encryption that helps keep your activities private. As a result, companies and data brokers can potentially learn far less about you, your shopping, your travels, your habits, and any other information that they could possibly collect and otherwise profit from.
Yes, it’s true. Your information gets collected, bought, and solid online. In fact, personal information fuels a global data trading economy estimated at $200 billion U.S. dollars a year. Run by data brokers that keep hundreds and even thousands of data points on billions of people, these sites gather, analyze, buy, and sell this information to other companies as well as to advertisers. Likewise, these data brokers may sell this information to bad actors, such as hackers, spammers, and identity thieves who would twist this information for their own purposes.
Getting your info removed from these sites can seem like a daunting task. (Where do I start, and just how many of these sites are out there?) Our Personal Data Cleanup can help by regularly scanning these high-risk data broker sites for info like your home address, date of birth, and names of relatives. It identifies which sites are selling your data, and depending on your plan, automatically requests removal.
Another place where personal information is bought and sold, stored, and exchanged is the dark web. The problem is that it’s particularly difficult for you to determine what, if any, of your info is on the dark web, stashed away in places where hackers and thieves can get their hands on it. Identity monitoring can help. McAfee’s identity monitoring helps you keep your personal info safe by alerting you if your data is found on the dark web, an average of 10 months before our competitors.
Monitored info can range anywhere from bank account and credit card numbers to your email addresses and government ID number, depending on your location. If your information gets spotted, you’ll get an alert, along with steps you can take to minimize or even prevent damage if the information hasn’t already been put to illegal use.
Identity protection through McAfee takes identity monitoring a step further by offering, depending on your location and plan, identity theft coverage for financial losses and expenses due to identity theft, in addition to hands-on help from a recovery professional to help restore your identity—all in addition to the identity monitoring called out above, again depending on your location and plan.
Keeping an eye on your bills and statements as they come in can help you spot unusual activity on your accounts. A credit monitoring service can do that one better by keeping daily tabs on your credit report. While you can do this manually, there are limitations. First, it involves logging into each bureau and doing some digging of your own. Second, there are limitations as to how many free credit reports you can pull each year. A service does that for you and without impacting your credit score.
Depending on your location and plan, McAfee’s credit monitoring allows you to look after your credit score and the accounts within it to see fluctuations and help you identify unusual activity, all in one place, checking daily for signs of identity theft.
A complete suite of online protection software like McAfee+ can offer layers of extra security while you shop. In addition to the VPN, identity, credit monitoring, and other features mentioned above, it includes web browser protection that can block malicious and suspicious links that could lead you down the road to malware or a phishing scam—along with a password manager that can create strong, unique passwords and store them securely as well. Taken together, McAfee+ offers all-in-one online protection for your identity, privacy, and security that can keep you far safer when you shop online—and as you spend your time online in general.
Even if you take the proper precautions the unexpected can happen. Whether it’s a scam, an identity crime, or flat-out theft, there are steps you can take right away to help minimize the damage.
The first bit of advice is to take a deep breath and get right to work on recovery. From there, you can take the following steps:
Whether you spot a curious charge on your bank statement, discover potentially a fraudulent account when you check credit report, or when you get an alert from your monitoring service, let the bank or organization involved know you suspect fraud or theft. With a visit to their website, you can track down the appropriate number to call and get the investigation process started.
Some businesses will require you to file a local police report and acquire a case number to complete your claim. Beyond that, filing a report is a good idea in itself. Identity theft is still theft and reporting it provides an official record of the incident. Should your case of identity theft lead to someone impersonating you or committing a crime in your name, filing a police report right away can help clear your name down the road. Be sure to save any evidence you have, like statements or documents that are associated with the theft. They can help clean up your record as well.
In the U.S., the identity theft website from the Federal Trade Commission (FTC) is a fantastic resource should you find yourself in need. In addition to keeping records of the theft, the FTC can provide you with a step-by-step recovery plan—and even walk you through the process if you create an account with them. Additionally, reporting theft to the FTC can prove helpful if debtors come knocking to collect on any bogus charges in your name. With a copy of your report, you can ask debtors to stop.
An instance of identity fraud or theft, suspected or otherwise, is a good time to review your options for a credit freeze or lock. As mentioned earlier, see what the credit bureaus in your region offer, along with the terms and conditions of each. With the right decision, a freeze or lock can help minimize and prevent further harm.
Strongly consider using a monitoring service like the one we described earlier to help you continue to keep tabs on your identity. The unfortunate fact of identity theft and fraud is that it can mark the start of a long, drawn-out affair. One instance of theft can possibly lead to another, so even what may appear to be an isolated bad charge on your credit card calls for keeping an eye on your identity all around. Many of the tools you would use up to this point still apply, such as checking up on your credit reports, maintaining fraud alerts as needed, and reviewing your accounts closely—along with utilizing an identity monitoring service.
A recovery service can help you clean up your credit in the wake of fraud or theft, all by working on your behalf. Given the time, money, and stress that can come along with setting your financial record straight, leaning on the expertise of a professional can provide you with much-needed relief on several counts.
Just as it’s always been, hackers, scammers, and thieves want to ruin a good thing. In this case, it’s your spirit of giving and sharing in the holiday season. Yet with this list of top scams and ways you can avoid them, you can keep bad actors like them at bay. Remember, they’re counting on you to be in a hurry this time of year, and maybe a bit stressed and a little disorganized to boot. Take your time while shopping out there and keep an eye out for their tricks. That extra moment can save you far more time and money than you may think.
The post The Worst Black Friday and Cyber Monday Scams – And How to Avoid Them appeared first on McAfee Blog.
You’re not the only one looking forward to the big holiday sales like Black Friday and Cyber Monday. Hackers are too. As people flock to retailers big and small in search of the best deals online, hackers have their shopping scams ready. Remember, McAfee frees you to live your connected life safe from threats like viruses, malware, phishing, and more. Download award-winning antivirus that protects your data and devices today.
One aspect of cybercrime that deserves a fair share of attention is the human element. Crooks have always played on our feelings, fears, and misplaced senses of trust. It’s no different online, particularly during the holidays. We all know it can be a stressful time and that we sometimes give into the pressure of finding that hard-to-get gift that’s so hot this year. Crooks know it too, and they’ll tailor their attacks accordingly as we get wrapped up in the rush of the season.
So while you already know how to spot a great deal, here are ways you and your family can spot online shopping scams so you can keep your finances safer this shopping season:
A common scam hackers use is introducing malware via email attachments, and during the holiday sale season, they’ll often send malware under the guise of offering emails and shipping notifications. Know that retailers and shipping companies won’t send things like offers, promo codes, and tracking numbers in attachments. They’ll clearly call those things out in the body of an email instead.
A classic scammer move is to “typosquat” phony email addresses and URLs that look awfully close to legitimate addresses of legitimate companies and retailers. They often appear in phishing emails and instead of leading you to a great deal, these can in fact link you to scam sites that can then lift your login credentials, payment info, or even funds should you try to place an order through them. You can avoid these sites by going to the retailer’s site directly. Be skeptical of any links you receive by email, text, or direct message—it’s best to go to the site yourself by manually typing in the legitimate address yourself and look for the deal there.
A related scammer trick that also uses typosquatting tactics is to set up sites that look like they could be run by a trusted retailer or brand but are not. These sits may tout a special offer, a great deal on a hot holiday item, or whatnot, yet such sites are one more way cybercriminals harvest personal and financial information. A common way for these sites to spread is by social media, email, and other messaging platforms. Again a “close to the real thing” URL is a telltale sign of a copycat, so visit retailers directly. Also, comprehensive online protection software can prevent your browser from loading suspicious sites and warn you of suspicious sites in your search results.
While the best of them can look practically professional and be tough to spot, one way to avoid counterfeit shopping apps is to go to the source. Hit the retailer’s website on your mobile browser and look for a link to the app from their website. Likewise, stick to the legitimate app stores such as Google Play and Apple’s App Store. Both have measures in place to prevent malicious apps from appearing in their stores. Some can sneak through before being detected though, so look for the publisher’s name in the description and ensure it is legitimate. On a fake app, the name may be close to the retailer you’re looking for, but not quite right. Other signs of a fake will include typos, poor grammar, and design that looks a bit off.
At the heart of holiday shopping is scarcity. Special offers for a limited time, popular holiday items that are tough to find, and just the general preciousness of time during the season to get things done, like shopping. Scammers love this time of year. During the holidays, they’ll play on that scarcity and crunch you’re under in their offers and messaging. Enter the “too good to be true” offer, typically set up on phony sites like the ones mentioned above. If the pricing, availability, or delivery time all look too good to be true, it may be a scam designed to harvest your personal info and accounts. Use caution here before you click. If you’re unsure about a product or retailer, read reviews from trusted websites to help see if it’s legitimate.
Apart from spotting scams, there are several things you can do to keep yourself safer while shopping this holiday season. In fact, they can keep you safer when you shop year ‘round as well. Looking for a last minute deal? Download McAfee online protection today.
This is a great one to start with. Secure websites begin their address with “https,” not just “http.” That extra “s” in stands for “secure,” which means that it uses a secure protocol for transmitting sensitive info like passwords, credit card numbers, and the like over the internet. It often appears as a little padlock icon in the address bar of your browser, so double-check for that. If you don’t see that it’s secure, it’s best to avoid making purchases on that website.
Specific to the U.S., the Fair Credit Billing Act offers the public protection against fraudulent charges on credit cards, where citizens can dispute charges over $50 for goods and services that were never delivered or otherwise billed incorrectly. Note that many credit card companies have their own policies that improve upon the Fair Credit Billing Act as well. However, debit cards aren’t afforded the same protection under the Act. Avoid using those while shopping online and use your credit card instead.
Another alternative is to set up a virtual credit card, which is a proxy for your actual credit card. With each purchase you make, that proxy changes, which then makes it much more difficult for hackers to exploit. You’ll want to research virtual credit cards further, as there are some possible cons that go along with the pros, such as in the case of returns where a retailer will want to use the same proxy to reimburse a purchase.
Using a complete suite of online protection software can offer layers of extra protection while you shop, such as web browser protection and a password manager. Browser protection can block malicious and suspicious links that could lead you down the road to malware or a financial scam. A password manager can create strong, unique passwords and store them securely as well, making it far more difficult for hackers to compromise your accounts. Identity theft protection takes your safety a step further by helping you secure your identity online and restore it should any of your personal info be found in the wrong hands.
Two-factor authentication is an extra layer of defense on top of your username and password. It adds in the use of a special one-time-use code to access your account, usually sent to you via email or to your phone by text or a phone call. In all, it combines something you know, like your password, with something you have, like your smartphone. Together, that makes it tougher for a crook to hack your account. If any of your accounts support two-factor authentication, the few extra seconds it takes to set up is more than worth the big boost in protection you’ll get.
Public Wi-Fi in coffee shops and other public locations can expose your private surfing to prying eyes because those networks are open to all. Using a virtual private network (VPN) encrypts your browsing, shopping, and other internet traffic, thus making it secure from attempts at intercepting your data on public Wi-Fi and harvesting information like your passwords and credit card numbers.
With all the passwords and accounts we keep, this is important. Checking your credit will uncover any inconsistencies or outright instances of fraud. From there, you can then take steps to straighten out any errors or bad charges that you find. In the U.S., you can run a free credit report once a year with the major credit reporting agencies.
So while you’re shopping online this year, take a deep breath before you dive in. Double-check those deals that may look almost too good to be true. Look closely at those links. And absolutely don’t click on those attachments that look like shipping notices or coupon deals. Hackers are counting on you to be in a bit of a hurry this time of year. Taking an extra moment to spot their tricks can go a long way toward keeping you and your finances safe. Remember, stay ahead of cyber criminals, get an extra layer of protection with McAfee this holiday season.
The post Spot Those Black Friday and Cyber Monday Shopping Scams appeared first on McAfee Blog.
You’re not the only one looking forward to the big holiday sales like Black Friday and Cyber Monday. Hackers are too. As people flock to retailers big and small in search of the best deals online, hackers have their shopping scams ready.
So while you already know how to spot a great deal, here are ways you and your family can steer clear of online scams so you can keep your finances safer this shopping season:
A common scam hackers use is introducing malware via email attachments, and during the holiday sale season, they’ll often send malware under the guise of offer emails and shipping notifications. Know that retailers and shipping companies won’t send things like offers, promo codes, and tracking numbers in attachments. They’ll clearly call those things out in the body of an email instead.
A classic scammer move is to “typosquat” phony email addresses and URLs that look awfully close to legitimate addresses of legitimate companies and retailers. They often appear in phishing emails and instead of leading you to a great deal, these can in fact link you to scam sites that can then lift your login credentials, payment info, or even funds should you try to place an order through them.
A related scammer trick that also uses typosquatting tactics is to set up sites that look like they could be run by a trusted retailer or brand but are not. These sits may tout a special offer, a great deal on a hot holiday item or whatnot, yet such sites are one more way cybercriminals harvest personal and financial information. A common way for these sites to spread is by social media, email, and other messaging platforms. Be skeptical of any links you see there—it’s best to go to the site directly and look for the deal there.
Using a complete security software suite can offer layers of extra protection while you shop, such as web browser protection that will block malicious and suspicious links that could lead you down the road to malware or a financial scam.
Using the same narrow set of passwords only helps hackers. If they hack one account, they can then hack others—simply because that same password is in use over and over. Use a password manager that can create strong passwords and store them securely as well. That’ll save you some hassle and keep you safer in the process.
Two-factor authentication is an extra layer of defense on top of your username and password. It adds in the use of a special one-time-use code to access your account, usually sent to you via email or to your phone by text or a phone call. In all, it combines something you know, like your password, with something you have, like your smartphone. Together, that makes it tougher for a crook to hack your account. If any of your accounts support two-factor authentication, put it into place.
Public Wi-Fi in coffee shops and other public locations can expose your private surfing to prying eyes because those networks are open to all. Using a virtual private network (VPN) encrypts your browsing, shopping, and other internet traffic, thus making it secure from attempts at intercepting your data on public Wi-Fi and harvesting information like your passwords and credit card numbers.
Specific to the U.S., the Fair Credit Billing Act offers the public protection against fraudulent charges on credit cards, where citizens can dispute charges over $50 for goods and services that were never delivered or otherwise billed incorrectly. Note that many credit card companies have their own policies that improve upon the Fair Credit Billing Act as well. However, debit cards aren’t afforded the same protection under the Act. Avoid using those while shopping online and use your credit card instead.
Another alternative is to set up a virtual credit card, which is a proxy for your actual credit card. With each purchase you make, that proxy changes, which then makes it much more difficult for hackers to exploit. You’ll want to research virtual credit cards further, as there are some possible cons that go along with the pros, such as in the case of returns where a retailer will want to use the same proxy to reimburse a purchase.
With all the passwords and accounts we keep, this is important. Checking your credit will uncover any inconsistencies or outright instances of fraud. From there, you can then take steps to straighten out any errors or bad charges that you find. In the U.S., you can run a free credit report once a year with the major credit reporting agencies. Just drop by the Federal Trade Commission (FTC) website for details on your free credit report.
One aspect of cybercrime that deserves a fair share of attention is the human element. Crooks have always played on our feelings, fears, and misplaced senses of trust. It’s no different online, particularly during the holidays. We all know it can be a stressful time and that we sometimes give into the pressure of finding that hard-to-get gift that’s so hot this year. Crooks do too, and they’ll tailor their attacks around those.
So, while you’re shopping online this year, take a deep breath before you dive in. Double-check those deals that may look almost too good to be true. They may be a scam waiting to spring—and indeed be too good to be true after all.
To stay updated on all things McAfee and for more resources on staying secure from home, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Cyber Monday is Coming – 10 Tips to Protect You From Online Shopping Scams appeared first on McAfee Blogs.
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