by Barbara Parrott McGinity, LMSW
If you have an email address, you most likely get countless emails from retailers, organizations, and companies. Much of this unsolicited email, or “phishing” email, comes from someone you have done business with through an online purchase.
Falling victim to “phishing” emails is easy if we do not pay attention and exercise caution. When you are instructed to click on a “link” provided in an email, you need to stop and think before taking action. Read the email carefully and make sure you check the source before clicking on anything.
A common trick, is to get you to “unsubscribe” from an email list. Often times, these are scams that are searching for good email addresses. If you click “unsubscribe” then you are actually confirming your email and putting yourself on a list to get even more bogus offers.
Here are a few of the most common email scams you will see over the holidays:
Complimentary Vouchers or Gift Cards
A popular holiday scam is big discounts on gift cards. Don’t fall for offers from retailers or social media posts that offer phony vouchers or gift cards paired with special promotions or contests. Some posts or emails even appear to be shared by a friend (who may have been hacked). Develop a healthy dose of skepticism and “Think Before You Click” on offers or attachments with any gift cards or vouchers!
Bogus Shipping Notices From UPS and FedEx
You are going to see emails supposedly from UPS and FedEx in your inbox that claim your package has a problem and/or could not be delivered. Many of these are phishing attacks try to make you click on a link or open an attachment. If you do click then your computer will be infected with a virus or even ransomware which holds all your files hostage until you pay $500 to release your files.
Holiday Refund Scams
These emails pretend to come from retail chains or e-commerce companies such as Amazon or eBay claiming there is a “wrong transaction” and you are prompted to click the refund link. You are then asked to complete a form with personal information that can be sold to cyber criminals.
Some finals points:
• Never use an insecure public Wi-Fi to shop with your credit card. Only shop with a secure connection at home.
• NEVER pay online with a debit card, only use credit cards. Why? if the debit card gets compromised, the bad guys can empty your bank account quickly
• Microsoft will never call you and say you have a virus on your computer. This is a scam to steal your money and get access to your computer files.
Shopping online is easy and convenient, but be wise and be careful. Report phishing and spam emails to the Federal Trade Commission at http://www.ftc.gov.