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Steer Clear of These Online Scams

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Thanks to
technology, you can breeze through your shopping and other tasks online.
Here are some things you need to know for a safe online experience.

Fraudulent Websites

Cyber-criminals register domain (website) names that are similar to popular companies’ names to sell phony products or trick consumers. Some set up sites that mimic real ones (even using their company logos); others use social media to advertise their fake sites. They all have the same goal: to steal your money and/or your personal information, otherwise known as phishing.

Play it safe: Protect yourself by shopping and doing business only
on sites you trust and keep them bookmarked in your browser. If you do
shop on a website that’s new or unfamiliar, here are a few tips to help
you spot the scammers.

  • See if the URL (web address) begins with “https” and has a lock
    icon to make sure that your transaction is secure and that data
    transmitted is encrypted.
  • Avoid too-good-to-be-true deals that you receive via email or find advertised on social media or trendy news websites.
  • Check customer reviews, but be suspicious if all are excessively positive.
  • Be wary of sites that only accept money orders, electronic transfers, gift cards or wire payments.
  • Never respond to a request for a text message as part of the payment process—and don’t complete the purchase.
  • If the business is based in the U.S., find out if it’s in good standing by looking up the corporate name on the website
    of the Secretary of State (or Secretary of the Commonwealth for
    Massachusetts, Pennsylvania and Virginia) in the state where it’s
    incorporated.

Fake or Misleading Ads

Beware of scams lurking on online marketplaces, where there are
multiple products and sellers. Some sites sell their own products and
have other vendors selling products through their sites. Although most
companies do their best to police their sites, scammers sometimes sneak
through. Some do a “bait and switch” by advertising one item, but
delivering another (it doesn’t match the advertisement) or never
delivering at all. Others advertise luxury items like jewelry for
unbelievably low prices. Can you really get an authentic Rolex for $100?

Play it safe: Before you buy, read the reviews about the seller
and the product you want to purchase. Check out the return policy. If
you’re still not sure, stick to sites that have rules and policies to
protect you.

Hackers Stealing Data

If you’re shopping on a website that doesn’t have secure
encryption, a hacker may be able to intercept financial information when
it’s transmitted. As a result, your identity or financial information
could fall into the wrong hands.

Play it safe: When shopping online, always look for a padlock icon
in the search bar. That indicates the website is secure. Be sure the
site URL begins with “https://”, rather than just “http://”. The “s”
stands for “secure” and indicates that data transmitted is encrypted.

Malvertising (Malicious Advertising)

It may be tempting to click on advertisements you see online,
especially if it’s a really good deal, but you could be putting your
information and your computer at risk if it’s a malvertisement—an
advertisement infected with malware.

Play it safe: To reduce your risk, be sure your security software
is regularly updated and avoid clicking on suspicious advertisements. If
you really want to find out more about the advertised product or
company, don’t click. Do your homework and research the company in your
web browser.

If you suspect you’re the victim of a scam, contact Navy Federal immediately to report the fraud. With our Zero Liability policy, you won’t be responsible for reported, unauthorized card charges. Visit our Security Center to learn more about how we work to stop cybercriminals.

This article is intended to provide general information and
shouldn’t be considered legal, tax or financial advice. It’s always a
good idea to consult a tax or financial advisor for specific information
on how certain laws apply to your situation and about your individual
financial situation.

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