Don’t let email scams hijack your holiday!

from Gammons Insurance Agency Inc.
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by Robyn McCarthy on Dec 12, 2017

As seasonal shopping ramps up both on and offline, there are many opportunities for scammers and thieves to separate you from your hard-earned money.  Dial up your fraud awareness radar to the max – particularly when shopping online. Today, we’ll focus on email scams, a favorite tool for crooks. We’ve been monitoring our email spam folders and monitoring news reports to bring you some common scams this year.

Shipping status phishing emails: Be alert for emails telling you to login to check shipping status for recent purchases. This often works because it uses the names and logos of large retailers that you might actually have made a recent purchase from, such as Amazon or Walmart. Or it might be an email pretending to be Fedex, UPS, or another shipping service. Take the time to check these out carefully – did you make a purchase? Look at the information of the sender in the email header – is it legit? Hover over the link to read where it is taking you before you click. If there is any doubt, go back to the site where you made your purchase and check shipping info form there.

Emails using your name. There are many ways that scammers can get your name so that is no guarantee of legitimacy. They can even spoof your email address so that an email looks like it is coming from your own account. Here are some recent scams we’ve see using our name:

  • Cash advance for {your name}
  • Verify this charge to your {name of large retailer} account
  • Are you {your name)
  • We found your missing money {your name}
  • Hey {your name} !! Do You Remember me ?
  • Why did you text me (your name}

Gift card scams. Be alert for emails or phone calls telling you that you’ve been selected to get a $50 card or that you’ve been sent a card. In the last few weeks we’ve had malicious email attempts touting McDonald’s, Kohl’s, Bed, Bath & Beyond, Target, CVS, Apple and PayPal. Some of these mails can look very legit. Here are a few tips to stay safe:

  • Don’t buy gift cards from emails or from online auction sites. If you want to a purchase a gift card, go to the actual vendor site or their offline store.
  • When purchasing a gift card, never give private information such as your Social Security number, bank account number or date of birth.
  • Only use gift cards at the intended sites. If a caller or an online vendor tells you they only accept payments via gift cards, beware. Don’t give anyone gift card claim codes. Also, no reputable vendor or service will ask to be paid in Amazon or Apple gift cards, or any other gift cards.
  • If you purchase a gift card in a retail store, ask the cashier to scan the card to verify that the card actually reflects the stated amount and correct balance.

The TN Department of Commerce & Insurance has a good list of common holiday scams: Letter from Santa? Or is it bait from a scam artist? It’s worth glancing at their list of scams as well as  checking out their tips to stay safe.

Other common email scams and pitches we’ve seen in our spam folder lately that lead to malicious sites:

  • Check you Experian score
  • Letters from Santa offers
  • Instant loans: Get approved for $15,000 Immediately
  • Credit card offers
  • Pain drugs and medical marijuana offers
  • You have been selected for clinical trials
  • Please confirm receipt
  • Free samples

A few common signs of scams:

  • Offers that are too good to be true – they usually are fake.
  • Demands or threats to take action now to avoid consequences; emails saying “Final notice.”
  • Requests to update your information or change your password


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