The holiday season is a time of joy and generosity, and let’s face it, busyness. But it’s also a peak period for identity theft. Scammers exploit the festive rush, preying on unsuspecting shoppers. In fact, the IRS has reported an uptick in phishing emails and texts designed to steal personal information during this time.
The Holiday Scam That Caught Me Off Guard
Holiday identity theft is more common than you think, and let me tell you, it’s no joke. A few years ago, I clicked on what I thought was a killer deal from a popular retailer. Spoiler alert: It wasn’t. Scammers used my excitement to lure me into sharing my personal information, and I paid the price—literally. Here’s the thing, I go through annual fraud training as an industry requirement. I feel like I’m pretty wise to their tricks. But they got me. The emotional and financial stress that followed taught me a hard lesson: scammers don’t take holidays off. Let my experience be a lesson that no anyone can fall prey.
Don’t Get Scrooged…
The holidays should be a time of joy, not stress over identity theft. And remember, when they get your identity, they have more than your money. So, let’s dive into what these scams look like and how YOU can protect yourself this season.
Top Holiday Scams to Watch Out For
- Fake Retail Websites: Scammers create websites that look like your favorite stores but are designed to steal your payment info. Always double-check the URL for spelling errors or lack of “https.”
- Phishing Emails and Smishing Texts: “Your package delivery failed,” or “You’ve won a $500 gift card!” Sound familiar? These phishing attempts try to trick you into handing over sensitive information. And now they aren’t just via email, but watch out for SMS messages as well.
- Gift Card Fraud: Fraudsters tamper with gift cards in-store or trick you into paying them with gift cards, often via fake customer service calls —methods that most of us would agree seem “different”.
- Charity Fraud: Scammers create fake charities to prey on your goodwill. They solicit donations, especially during the holidays when people are feeling more generous. Always verify before donating.
How to Stay Safe This Holiday Season 🔏
- Shop Smart: Only use trusted websites with “https” in the URL and avoid clicking links in unsolicited emails (be sure to look at the senders email domain).
- Stick to Secure Payment Methods: Use credit cards 💳or digital wallets instead of debtitcards for added fraud protection. And avoid making purchases on public Wi-Fi.
- Monitor Your Accounts: Check your bank and credit card statements frequently for unauthorized activity.
- Enable Alerts: Set up notifications from your financial institutions for unusual transactions, or for transactions above a certain dollar amount.
- Use Identity Theft Protection: I rely on IdentityIQ (affiliate *), which monitors my credit, protects my identity, and offers peace of mind.
- Be Skeptical: If something feels off—like a deal that’s too good to be true—it probably is.
What to Do If You’re a Victim of Identity Theft
- Contact Your Financial Institutions: Report the fraud immediately and freeze your accounts if necessary.
- Place a Fraud Alert: Notify one of the three credit bureaus (Experian, Equifax, or TransUnion).
- File a Report: Report the incident to the Federal Trade Commission (FTC) and your local authorities.
Why Identity Protection Is a Must-Have This Season
No one thinks it’ll happen to them—until it does. Identity theft can ruin more than just your holiday cheer. A small investment in identity protection can save you thousands in recovery fees and hours of stress. Click here to explore my go-to protection service, they even offer a fraud alert service and ID Theft insurance and reinbursement.
By following these steps, you can enjoy the holidays with peace of mind knowing your identity is safe from scammers. Spread awareness and share these tips with loved ones—they’ll thank you for it!
*This post contains affiliate links. If you make a purchase through these links, I may earn a small commission at no extra cost to you. I only recommend products I personally use and trust.