Your BBB is partnering with the Washington State Attorney General’s Office to celebrate National Consumer Protection Week from March 1-7. Below, we’ve compiled warning signs and tips on 6 of the most common scams we’ve seen affect local consumers.
Be an informed consumer; avoid scams and fraud!
1. Phishing emails ask for personal info and may contain links to malware. Antivirus software can help, but the best protection is a good sense of judgment. Legitimate companies and government agencies never ask you to confirm personal info via email.
2. Don’t fall victim to an advance-fee loan scam. Check out the company at bbb.org/search. Be skeptical of any offer where you have to pay money up front. Walk away if you’re asked for money immediately, especially if it’s supposedly for “insurance,” “processing,” or “paperwork.”
3. With overpayment scams, a buyer “accidentally” sends you a check for more than the amount they owe. They ask you to deposit it and wire them the difference. The original check turns out to be a fake, leaving you on the hook to pay the bank for any money withdrawn. Always wait for a deposit to clear before writing checks against the funds—it can take weeks to uncover a fake check.
4. Identity theft scams come in all shapes and sizes—grandchildren “stranded” in a foreign country, the hotel front desk “verifying” your credit card in the middle of the night, “charity” solicitations from groups you’ve never supported in the past. Never give your Social Security, bank account or credit card numbers to someone who has contacted you to ask for them.
5. In a lottery/sweepstakes scam, you get an unsolicited phone call, email or letter stating you’ve won a prize, but in order to collect the winnings, you have to wire a small sum of money to pay for “processing fees” or “taxes.” You never get your “winnings,” and the scammer has your money. You never have to pay to receive legitimate winnings.
6. Itinerant contractors move around, keeping a step ahead of the law… and angry consumers. They knock on your door with a story or a deal: a roofer spots missing shingles on your roof, a paver has leftover asphalt and can give you a deal on driveway resealing. Then you can’t track them down after they’ve left you with a shoddy or incomplete job. Never agree to do business with someone you haven’t researched first. Start at bbb.org/search.
Go to ncpw.gov to find more consumer tips and free materials from government and private organizations.