Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers.
The number of shoppers who choose to get their holiday shopping done online continues to increase year after year. In 2009, 96.5 million Americans shopped online during Cyber Monday while 79 million Americans shopped at brick-and-mortar retailers on Black Friday, according to the National Retail Federation.
“The convenience and ease of shopping online has replaced the hassle of going to the store for many, however, online shopping still has its own set of risks,” said Mechele Agbayani Mills, President|CEO of BBB Central East Texas.
“Taking steps to avoid the online will allow families to focus on the significance of the season rather than on the scammer who ripped them off.”
BBB advises consumers to take the following measures to prevent attacks from unscrupulous online retailers, scammers and hackers:
1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.
2. Shop on trustworthy websites –Start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.
4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items.
5. Beware of phishing – Legitimate businesses do not send e-mails, texts, or instant messages claiming problems with an order or an account to lure the “buyer” into revealing financial information.
6. Confirm your online purchase is secure –Look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.
7. Pay with a credit card – Remember under federal law, the shopper can dispute the charges if he or she doesn’t receive the item if a credit card is used. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.
8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.
9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.
10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.
For more advice on staying safe online this holiday season, and to see HYPERLINK “http://www.bbb.org/us/Find-Business-Reviews/” reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/. To report a fraud or scam, call the BBB hotline at (903) 581-8373.