Denver Shoppers: Cyber Monday Scam Alert
As Denverites gear up for Cyber Monday deals, the FBI is issuing a stark warning about a significant rise in online shopping scams. Last year alone, non-payment and non-delivery schemes cost consumers a staggering $785 million, highlighting the critical need for vigilance during peak shopping periods.
Understanding the Threat: Non-Payment and Non-Delivery Scams
These two types of scams are particularly prevalent during high-volume shopping events like Cyber Monday. They prey on the excitement of finding a great deal and the quick pace of online transactions.
Non-Delivery Scams
A non-delivery scam occurs when a shopper pays for merchandise or services online, but the purchased items never arrive. The scammer takes the money and simply disappears, leaving the victim empty-handed and out of pocket. This often involves fake e-commerce sites or deceptive sellers on legitimate platforms.
Non-Payment Scams
Conversely, a non-payment scam primarily targets sellers. In this scenario, a seller ships goods or provides services, but the buyer’s payment never materializes or is later reversed. This can involve fraudulent checks, stolen credit card information, or fake payment confirmations. While less common for individual shoppers, it’s a risk for those selling items online, especially through marketplaces.
Why Cyber Monday is a High-Risk Period
The urgency and volume of sales on Cyber Monday create a perfect storm for scammers. Shoppers are often looking for limited-time offers, which can lead to hasty decisions without proper vetting. The sheer number of transactions also makes it harder for consumers to spot anomalies, and for law enforcement to track every fraudulent activity.
Scammers leverage fake websites, email phishing campaigns, and social media ads promoting deals that are “too good to be true.” These often mimic legitimate retailers, making it difficult for even savvy shoppers to distinguish between real and fake at first glance.
Protecting Your Wallet This Holiday Season
As you navigate the digital aisles from your home in Denver, taking a few proactive steps can significantly reduce your risk of falling victim to a scam.
Verify the Seller and Website
Before making a purchase, thoroughly inspect the website. Look for secure URLs starting with “https://” and a padlock icon. Be wary of misspelled words, grammatical errors, or unprofessional layouts. Search for reviews of the seller or website from independent sources.
Use Secure Payment Methods
Always opt for credit cards when shopping online. Credit card companies offer fraud protection that debit cards often lack. Avoid methods like wire transfers, gift cards, or cryptocurrency for purchases from unfamiliar sellers, as these are almost impossible to trace or recover once sent.
Monitor Your Bank and Credit Card Statements
Regularly check your financial statements for any unauthorized transactions. Report suspicious activity to your bank or credit card company immediately. The sooner fraud is reported, the better the chances of recovery.
Beware of Phishing Attempts
Scammers often send fake shipping notifications or order confirmations designed to steal your login credentials or payment information. Always go directly to the retailer’s official website to track orders or verify information, rather than clicking links in suspicious emails or texts.
Spotting the Red Flags: Real vs. Risky Online Deals
| Indicator | Legitimate Retailer | Potential Scam |
|---|---|---|
| Website URL | “https://” and a known, trusted domain | “http://” (no ‘s’), misspelled brand names, or unusual domains |
| Pricing | Competitive but realistic; discounts vary | Extremely low prices (e.g., 90% off designer goods) |
| Payment Options | Credit card, PayPal, known digital wallets | Wire transfer, gift cards, cryptocurrency only |
| Contact Info | Clear phone number, email, physical address | Only an obscure email or no contact information |
| Reviews | Mix of positive and negative, specific details | Only generic, glowing reviews, or no reviews at all |
Frequently Asked Questions About Online Scams
- What should I do if I suspect a scam?
Stop all communication with the seller, do not send any money, and do not provide personal information. - I think I’ve been scammed. What are my first steps?
Contact your bank or credit card company immediately to report the fraudulent charge. Collect all documentation related to the transaction (emails, screenshots, payment receipts). - How do I report an online scam to the authorities?
You should report it to the FBI’s Internet Crime Complaint Center (IC3) at IC3.gov and also to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov. Local law enforcement may also be helpful, especially if there’s a local angle. - Are gift cards safe to use for online purchases?
Yes, from reputable retailers. However, be extremely wary if a seller demands payment in gift cards for items outside of that retailer’s own store, as this is a common scam tactic.
Staying informed and exercising caution are your best defenses against online scams this Cyber Monday. Enjoy the deals, but always prioritize your security.
Denver Shoppers Cyber Monday Scam Alert
