Resolutions for eliminating fraud in the new year

The loss of money, personal information, and perseverance of scammers continue with online purchase scams as one of the riskiest of scams, according to BBB research. Some simple resolutions can help protect consumers from falling victim to scams in the new year.

Recognizing and avoiding common online, email and social media scams targeting consumers are not always easy to identify, especially when looking for the best deal prevails. Everyone likes a bargain but the fraudsters, armed with this knowledge, offer too good to be true low-price products that are indeed too good to be true. The number of BBB Scam Tracker reports concerning non delivery of online purchases is exploding.

Resolutions for smart shopping and online transactions:

· I resolve to research before making online purchases. Research the retailer especially before entering payment information. Is it a soundalike business name or the real business site? If offers are far below typical market prices, be wary. Check BBB.org for complaints and read reviews.

· I resolve not to send money to strangers. If asked to send funds via a gift card or questionable platform ask why this would be the only option. Marketplace purchases sometimes require these methods including Pay Pal Family and Friends. Funds sent in ways that are untraceable and irretrievable are hallmarks of a scam.

· I resolve to verify unfamiliar sellers before buying. Before purchasing from a new or unknown online seller check BBB.org to confirm the business legitimacy. If buying from a site based outside of the country product delivery, refunds and returns may be difficult and costly.

· I resolve to use secure payment methods. I'll pay with a credit card or secure payment platform that offers fraud protection instead of gift cards, wire transfers or cryptocurrency. Using a checking account or debit card can also lead to identity theft exposure concerns.

· I resolve to scrutinize "too good to be true" deals. Unrealistic discounts or urgent "limited time" offers are red flags for scams. Photos of upscale designer clothing and accessories aren’t always accurate portrayals. I'll pause before clicking "buy now."

· I resolve to check my bank and credit card statements. Committing to review financial records can help catch unauthorized transactions and allow time for a dispute. Look for add-on products or subscriptions that might have inadvertently been purchased.

Resolutions for digital and device security:

· I resolve to create strong, unique passwords. Using varied strong passwords makes it harder for scammers to access compromised accounts. Two-factor authentication can help reduce unauthorized access.

· I resolve to be social media savvy. Be careful buying products on social media. Only connect with people you know as impersonation scams are rampant. Limit sharing personal and sensitive information in your profile.

· I resolve to be cautious with texts and email. Be wary of unsolicited emails or texts as they may look as if sent from a legitimate business, government agency or organization. Never click on links or open attachments.

· I resolve to not share personal information. Never share financial information, birth date, address, Social Security, Social Insurance or Medicare numbers with an unsolicited caller.

The greatest resolution for the new year: I resolve to educate myself about the latest scams. Staying informed on emerging scams helps you recognize and avoid new fraud tactics.

Bobby Hansen is regional director for the Better Business Bureau Cedar Rapids office. Comments: (319) 365-1190; info@dm.bbb.org