AARP scam alerts
Be cautious any time a stranger comes knocking unsolicited, especially if the visitor is trying to sell you goods or services.
To avoid door-to-door scams, refuse to do business right on the spot.
Always ask for credentials and check with an objective third party to verify someone’s identity.
Never pay for services in cash and be wary of paying up front for a product or service that will be delivered at a later date.
A receipt is worth nothing unless the business is valid and reputable.
Be sure you read and understand any agreements or contracts you sign. Don’t be afraid to offend someone by not doing business with them.
Free trial offers
Social media, TV and other media often advertise free trial offers that claim to be “risk free.” However, some “free” trial offers end up being traps that lock consumers into plans that charge recurring fees.
Often a free trial offer will require you to provide your credit card information for a nominal shipping fee. However, once you accept the offer and the company has your payment information, you may be charged for products you never intended to order.
Read up on both the company (reviews and contact information) and the terms and conditions of the offer.
Be sure to monitor your financial statements: if you see charges you didn’t agree to, contact the company directly to cancel future charges, and if that doesn’t work, contact your credit card company to dispute the charges.
Are you using public Wi-Fi?
Free Wi-Fi is a great convenience, but it can be risky. Scammers can set up a Wi-Fi network with a name similar to the one you’re intending to use, hoping you’ll connect to it, or they can hijack your information between you and the Wi-Fi access point.
Do no more than checking the weather or browsing sports scores; otherwise, hackers can steal your passwords, see your email or intercept financial transactions.
Make sure your device isn’t set to connect to Wi-Fi automatically.
When on public WiFi, use your device’s data service or install a “virtual private network” to protect yourself while using public Wi-Fi.
Peer to peer
With new technologies come new ways scammers are trying to steal our money.
Peer-to-Peer (P2P) money sending apps – Zelle, Venmo, PayPal and the like – are popular ways for friends to send money back and forth.
Unfortunately, scammers are using the same technology to receive payment from individuals they deceive into believing they owe money. These platforms have fewer consumer protections than other forms of payment. Use caution when sending money to people you do not know and watch out if a stranger insists on paying you via P2P apps.
Renting a home is often a big expense and an even bigger one when the rental is a scam.
Scammers look for easy cash by collecting first month’s rent, deposits and application and background check fees and then bolt before handing over the keys.
Numerous versions of rental frauds abound: some are bait-and-switch while others will attempt to rent out properties that are already leased or otherwise unavailable.
Leasing based on units similar to a model unit and putting money down on a place unseen is on the rise and would-be renters are being scammed out of hundreds or even thousands of dollars. When renting a new place, watch out for scammers who ask you to sign before seeing anything or request payment via money wire, peer-to-peer apps or cash.
Do your research on the property and owner and read agreements carefully.
Be a fraud fighter! If you can spot a scam, you can stop a scam.
Visit the AARP Fraud Watch Network ataarp.org/fraudwatchnetwork or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.