Don't Let Scammers Steal Your Holiday Cheer
The holidays bring joy, generosity, and celebration, but they are also peak season for scammers. Fraudsters know people are busy and distracted, which makes it easier to miss warning signs. Before you click, pay, or share personal information, take a moment to protect yourself. Here are a few common holiday scams and how to avoid them.
Government Agencies Will Not Call for Payments or Investigations
If you get a call claiming to be from a government agency asking for payment or personal details, it’s a scam. You will receive legitimate requests in writing from the corporation or company, never over the phone.
Watch for Fake QR Codes
Holiday shopping is often done on the go, but be cautious when scanning QR codes. Scammers may use QR codes as techniques to direct you to a malicious links that steal your personal and financial information. Never scan QR codes from unknown sources, especially those in unsolicited emails or text messages.
Don’t Fall for “Too Good to Be True” Deals
The holidays are full of sales and discounts, but if a deal sounds too good to be true, it probably is! Scammers may offer irresistible discounts on hard-to-find items, but after you pay, the goods never arrive. Always research the seller before making a purchase.
Beware of Phishing Emails & Texts
This time of year, fraudsters send fake emails and texts that look like they’re from popular retailers. They may offer fake discounts or ask for payment verification. If you get a message that seems suspicious, don’t click any links—go directly to the retailer’s official website to verify.
Watch Out for Fake Delivery Alerts
Everyone loves tracking their packages during the holidays, but be wary of unexpected delivery alerts. Scammers may send fake texts or emails claiming there’s an issue with your delivery. Don’t click on any links—go directly to your carrier’s official website or app for accurate information.
Steer Clear of Gift Card Voucher Scams
Scammers love to prey on your holiday spirit by offering “amazing” deals on gift cards or vouchers. Be cautious of posts on social media or emails offering discounts or exclusive promotions. If the offer seems too good to be true, it likely is!
Avoid Holiday Refund Scams
Watch out for emails claiming you’re owed a refund for a recent purchase. These fake messages may look like they’re from legitimate retailers or e-commerce sites, but clicking on the refund link could give scammers access to your personal information. Always go directly to the company’s website to check your order status.
Verify Charities Before You Donate
Scammers prey on holiday generosity by creating fake charities or posing as real ones. Always double-check organizations on sites like Charity Navigator to make sure your kindness reaches the right hands.
If you have discovered fraud on your bank account, debit or credit card, please contact Western State Bank immediately at 1-800-472-3272 or stop by your local branch. Outside of our business hours (7:30 a.m. - 7 p.m. CST), please call 1-800-472-3272 to report the issue. If you ever have doubts, the Western State Bank team is here to help guide and support you through safe shopping and a fraud-free holiday season!