Scammers expected to up their game as holiday spending reaches record levels

LINCOLN, Neb. (KLKN) – The National Retail Federation says holiday spending is projected to reach record levels, and scammers are aware of this.

The FBI warned that shoppers looking for a good deal this holiday season need to be aware of scams designed to steal money and personal information.

Online criminals often offer enticing deals pushed through phishing emails, text messages and online surveys.

The bottom line: If a deal seems too good to be true, it likely is.

Stay clear of unfamiliar sites offering unrealistic discounts on brand-name merchandise, the FBI warned.

Officials said consumers should also remain skeptical of social media posts offering special deals, vouchers or gift cards.

Steps to avoid holiday fraud schemes:

• Before shopping online, secure all your financial accounts with strong passphrases. Make sure to use different passphrases, too.
• Never give personal information to anyone you do not know. Be highly suspicious of social media promotions and giveaways that require your personal information.
• Be wary of online transactions that require wire transfers, virtual currency or gift cards.
• Pay for items using a credit card dedicated to online purchases, check the card statement regularly, and never save payment information in online accounts.
• Do not use public Wi-Fi, especially when submitting credit card or payment information online.
• Prior to donating to any charity, verify that it has a valid Taxpayer Identification Number (TIN) by visiting its website or calling the charity directly.

If you believe you have fallen victim to an online scam, call your financial institution immediately and report it to local authorities.

The FBI also recommends reporting it on its website.