LITTLE ROCK – As the most popular shopping days of the year are upon Arkansans, scam artists are proactively searching for opportunities to steal your identity, money and personal information. Arkansas Attorney General Leslie Rutledge has identified best practices that will be rolled out throughout the week for consumers that can be used during the entire holiday season.
“Every Christmas season, many Arkansans experience some form of fraud from a con artist or bad actor who tries to steal your personal identity, bank account or credit card information, or who fails to uphold the terms of a sales agreement,” said Attorney General Rutledge. “Black Friday, Small Business Saturday, Cyber Monday and Giving Tuesday often have us plugging in credit and debit card numbers online where predatory scam artists could be lurking, waiting for an opportunity to steal your money.”
Every year, countless American shoppers fall victim to identity thieves by not following a few simple rules. Attorney General Rutledge provides the following tips to help keep consumers safe while shopping online:
Look for the “lock” icon on the browser’s status bar, and the abbreviation “https” in the web address to be sure information is secure and to help guard the security of your information as it is transmitted to a website. Be sure your browser has the most up-to-date encryption capabilities by using the latest version available from the manufacturer.
Check the online merchant’s privacy policy before providing any personal financial information and determine how the information will be used or shared with others. Some websites’ disclosures are easier to find than others — look at the bottom of the home page, on order forms or in the “About” or “FAQs” sections of a site.
Read and understand return, refund and shipping policies before you make your purchase.
Pay by credit card, which is the most secure payment method. Under federal law, charges can be disputed and consumer liability for theft is limited so long as consumers promptly notify the bank or credit card issuer. Additionally, many credit card issuers have “zero liability” policies under which the purchaser pays nothing if his or her credit card is stolen and used to make unauthorized purchases.
Keep personal information private. Do not disclose personal information – address, telephone number, Social Security number, bank account number or email address – unless you know who is collecting the information, why they are collecting it and how they will use it.
Be cautious when buying gifts from an online auction. Understand how the auction works and check out the seller’s reputation before bidding. Always ask about terms of delivery and return options. Never wire money for the purchase; use some other form of payment.
Keep records of online transactions and check for emails from merchants while doing business. Merchants may email important information about purchases.
Promptly and thoroughly review monthly credit card and bank statements for any errors or unauthorized purchases. Notify the credit or debit card issuer immediately if a card or checkbook is lost or stolen or if you suspect someone is using your accounts without your permission.
According to the National Retail Federation, 55 percent of consumers cited online shopping as the most popular shopping destination this year. They also expect holiday sales to increase 4.1 percent over last year. That means consumers are expected to spend an average of $1,007.24 this year on gifts.
Also, research companies before finalizing the online purchase to ensure it is a credible merchant, and check the anticipated delivery date to make sure it will be delivered in time for the holidays.
For more information about consumer-related issues, contact the Arkansas Attorney General’s office at (800) 482-8982 or [email protected] or visit ArkansasAG.gov or facebook.com/AGLeslieRutledge.
