The holidays bring families together, brighten communities, and remind us of the joy of giving. Unfortunately, they also bring an increase in scams designed to take advantage of people during the busiest time of the year. Criminals know that many of us are distracted by travel, shopping, and holiday planning, and they use this season to push fraudulent schemes.

1. Non-Delivery and Non-Payment Scams

These scams happen when a buyer pays for an item that never arrives, or a seller ships goods but never gets paid. According to the FBI, consumers lose hundreds of millions of dollars each year to these schemes, especially during the holiday season.

2. Fake Online Sellers and Gift Card Requests

Fraudsters create websites that appear legitimate, often with prices that seem too good to be true. They may also request payment through gift cards, which cannot be traced or refunded. Once the scammer has the code, the money is gone.

3. Phishing Attempts Through Email and Text

Scammers send emails or texts that look like shipping updates, holiday sales, or charity requests. In reality, they contain malicious links designed to steal personal or financial information.

4. Charity Scams

The holidays inspire generosity, and scammers know it. They may pretend to represent well-known charities, or invent entirely fake organizations to collect donations. Calls, texts, and emails can all be part of this scheme.

1. Verify Before You Buy or Donate

Take time to research websites and charities. Make sure the URL is correct, and if you are donating, check whether the organization is registered through trusted databases.

2. Use Secure Payment Methods

Pay with a credit card whenever possible. It offers built-in protections that wire transfers, and gift cards do not.

3. Keep Track of Orders

Always ask for a tracking number when purchasing online, and review your accounts regularly to confirm that all charges are legitimate.

4. Be Cautious With Links and Attachments

If you receive an unexpected email or text, do not click the link. Instead, go directly to the company’s website or call them using a verified number.

5. Report Suspicious Activity

If you believe you have been targeted, you can contact the FBI’s Internet Crime Complaint Center, AB&T, or the Federal Communications Commission for charity scams. Reporting helps protect you and others in the community.

The holiday season should be a time of celebration, not a time of stress over fraud. By recognizing the warning signs and following a few protective steps, you can shop, donate, and celebrate with confidence.