Holiday shopping, travel plans, and charitable giving often bring a wave of calls, texts, and emails. Unfortunately, some of them may not be what they seem. Scammers use familiar names and convincing messages to get people to share information or send money. Senior Helpers shares practical ways to recognize senior scams so fraud concerns don't get in the way of you enjoying the season.

How Senior Scams Appear in Holiday Shopping

An advertisement for a pair of boots at 70% off from an unfamiliar online store might look like a great deal. However, after you pay, the order may never arrive. Fake storefronts often appear during the holiday shopping season and can disappear just as quickly. These are common tactics in senior scams, although shoppers of any age can encounter them.

Before placing an order, check the retailer's reputation and look for independent customer reviews. Paying by credit card can also offer better protection than using a debit card if a purchase turns out to be fraudulent.

Watch Out for Delivery and Account Alerts

With more packages being ordered and delivered during the holidays, a text about a missed delivery can seem legitimate. You might also receive an email claiming your streaming account has been suspended or your bank card was used somewhere unfamiliar.

These messages often include a link that leads to a fake website designed to collect your password or payment information. Before clicking, check the message independently. Open the company's official app or type its website address into your browser. If the message claims to be from your bank, call the number on the back of your card.

Be Cautious of Calls Claiming to Be From Authorities

Scammers sometimes pretend to represent the IRS, police, utility companies, or technical support departments. They may threaten arrest, service disconnection, or account suspension unless you pay immediately.

Government agencies won't demand payment through gift cards, wire transfers, or cryptocurrency. Hang up and contact the agency or company directly using a verified phone number.

Take Your Time with New Online Relationships

Some people use the holidays to build online friendships and romantic relationships, eventually asking for money. Be cautious if a new contact quickly becomes affectionate, repeatedly avoids video calls, or suddenly needs financial assistance.

Don't send money or share financial information with someone you haven't met and verified. If a request makes you uncomfortable, discuss it with someone you trust before responding. These warning signs can appear in senior scams, but anyone forming new online relationships should be aware of them.

What to Do If You Encounter a Scam

If you've lost money or shared personal information, acting quickly can limit further problems. Here are some steps to take:

• Contact your bank or credit card company to report the transaction and ask about securing your account.
• Change passwords for any affected accounts, starting with your email.
• Report internet fraud through the FBI's Internet Crime Complaint Center.

Keep copies of suspicious messages, emails, receipts, and transaction details in case they're needed for a report.

Everyday Support for a Safer, More Enjoyable Holiday Season

The holiday season can bring extra errands, busy schedules, and plenty of things to keep track of. Having reliable assistance with everyday tasks can leave you with more time to focus on the activities and people you enjoy. Senior Helpers San Francisco provides in-home companionship, assistance with daily routines, help with errands, and more to seniors in San Francisco. Contact us to learn more about how we can help.