Here’s how to avoid online scams on Cyber Monday

Cyber security (AP)

RALEIGH, N.C. (WNCN) – Consumers who plan to shop online this holiday season must take steps to protect their money and personal information, Attorney General Roy Cooper said on Cyber Monday.

“Online shoppers may save time and avoid crowds, but they aren’t immune to scams,” Cooper said. “Use caution when you shop online, and guard your money and your personal information no matter how you shop during the holidays.”

To be safe from cyber criminals and bad business deals, the Attorney General’s office is telling North Carolinians to:

  • Shop sites you know and trust. You can check online reviews to spot potential problems. Watch out for copycat websites that try to trick you by looking like a legitimate company’s site.
  • Compare prices yourself. Just because a website claims to beat prices at competitor sites or brick-and-mortar retailers doesn’t mean it’s true. And beware of counterfeit or knock off products that may be poor quality.
  • Require signature for deliveries. Thieves have been known to follow delivery trucks into neighborhoods and steal packages left on doorsteps. Opt to have your package held at the nearest service location if you expect it to be delivered when you aren’t at home.
  • Read the return policy carefully. Merchants aren’t required by law to accept returns, the Attorney General’s Office said. Some online retailers won’t let you return items to their local stores, while others charge a restocking fee or won’t let you return opened items. Many online retailers require you to pay for shipping if you want to return or exchange an item.
  • Know how to contact the company if there’s a problem. Get the company’s street address and telephone number and verify them before you order. Be especially careful when shopping overseas sites, since no U.S. or state agency has legal authority over business deals with companies in other countries.
  • Check site security before you enter any payment information. Look for a lock icon on the website and a web address that starts with “https.” Websites that use HTTPS are more secure than those using HTTP.
  • Consider paying by credit card. If your order doesn’t arrive or isn’t what you expected, you can dispute it with your credit card company. Federal law also limits your liability to $50 if your credit card number gets stolen.
  • Be wary of pop ups at the end of an online purchase that offer you money off your next purchase. These can wind up signing you up for discount clubs, travel memberships or other services you don’t really want, with fees appearing later on your credit card or bank statement.
  • Ask when your order will arrive. Internet and catalog shoppers are protected by the Federal Mail Order Rule. By law, a company is required to ship your order within the time stated. If you aren’t given a delivery date, the company has 30 days once your order is received. If the item doesn’t ship on time, the seller must let you know and allow you to cancel for a full refund.
  • Print out and save records of all online orders. Keep the product description, price, online receipt, order number and customer service number. Save any emails the company sends you confirming your purchase or updating you on the status of an order.
  • Review your credit card statements. Some consumers have complained about unauthorized charges billed to their account after they shop online. Contact your credit card company immediately to report any charges you didn’t authorize, and request a refund and a new card.
  • Protect your identity. Guard your Social Security, driver’s license and bank account numbers when you shop online. Only share financial information via secure sites, never by email. Don’t respond to unsolicited emails or telemarketing calls that ask for your personal information.
  • Take quick steps if your information is compromised. If you get notice that your personal financial information has been compromised due to a data breach, follow our recommended steps to protect yourself from identity theft.

To check out a company or file a consumer complaint, call the Attorney General’s Office at 1-877-5-NO-SCAM toll-free within North Carolina.  Consumers can also file complaints online and get more holiday shopping tips at www.ncdoj.gov.

 

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