As the leaves change and Halloween approaches, it’s essential to stay alert against scams that can compromise your financial security. October is notorious for an increase in certain types of scams, particularly those that take advantage of seasonal events and emotions.

One prevalent scam during this time is the “Halloween Costume and Candy Scam.” Fraudsters often set up fake websites or social media ads offering costumes, decorations, and candy at deeply discounted prices. Unfortunately, many unsuspecting consumers fall victim to these scams, paying for items that never arrive or providing personal information that can lead to identity theft.

How to Protect Yourself:

• Research Before You Buy: Always verify the legitimacy of online retailers before making a purchase. Look for customer reviews, check their contact information, and ensure the website has a secure connection (look for “https://”).
• Be Cautious with Pop-Up Ads: As you browse for Halloween deals, be wary of enticing ads that promise unbelievable discounts. These can often lead to malicious websites. Instead, shop from reputable and well-known stores.
• Use Trusted Payment Methods: When shopping online, opt for your NGFCU credit card or reputable payment services. These methods often provide better fraud protection than debit cards or wire transfers.
• Check Social Media for Scams: Be cautious about promotions on social media. Scammers often use popular platforms to create fake accounts or pages that mimic well-known brands. Report suspicious accounts to the platform and avoid engaging with them.
• Beware of Charity Scams: As the season of giving approaches, be cautious of solicitations for donations to Halloween-related charities. Always research organizations before donating, and consider giving to established charities that you know and trust.

If you believe you’ve encountered a scam, report it to local authorities and consider monitoring your credit report for any unusual activity. Staying informed and cautious will help protect you and your loved ones from falling victim to these seasonal schemes.