Oregon Attorney General Ellen Rosenblum is warning shoppers about the dangers of shopping online this holiday season.
“Predatory scammers can turn the holidays from wonderful to ruinous in the click of a mouse,” Rosenblum said. “But there are simple steps you can take to protect yourself.”
Attorney General Rosenblum recommends the following steps:
1. Know the seller. Anyone can set up an online store. Before you make a purchase from a seller you do not know, visit the Department of Justice’s online database of consumer complaints. The database will show if other Oregonians have expressed concern about a seller and how the seller responded to those concerns. Also, confirm the seller's physical address and phone number in case you have any problems or questions.
2. Be skeptical of offers too good to be true. Scam artists often lure shoppers to their websites with outrageously low prices or offers of free products. Before you buy, shop around to get an idea of how much other retailers are asking for the same or similar items. Even at steep discounts, retailers tend to price similar items within a general price range. Remember: “if it sounds too good to be true, it usually is.”
3. Stay away from pop-up ads. Many pop-ups unleash viruses or spyware on your computer when you click on them. Do not click on these ads and make sure you have the latest firewall and anti-virus software installed on your computer to protect against any online attacks.
4. Stick to secure websites. If you shop online, always verify that the website you are purchasing from is secure. Although there is no foolproof indicator, a secure or encrypted website address should begin with HTTPS rather than HTTP, and you should see the icon of a lock in the address bar.
5. Review shipping policies. Make sure that a retailer has not changed its shipping, return and exchange policy on Black Friday or Cyber Monday. Some retailers declare sales on these days are final and items purchased cannot be returned or exchanged. Also confirm the store does not charge a restocking fee on a returned item or charge excessive shipping and handling fees in an effort to recoup some of the cost on sale items.
6. Use plastic wisely. Consider using a credit card instead of a debit card. Credit cards make fraud easier to deal with because they give shoppers more time to notice unauthorized charges, promptly report them to the credit card company, and have them removed from your bill.
7. Keep a paper trail. Print and save records of every online transaction you make, including the product description, price, copy of your receipt, and any correspondence with the seller. These records will be important if you have a problem.
8. Create a budget and stick to it. It is easy to get carried away when shopping online, and you may be inclined to spend more than your budget permits. Decide ahead of time how much you want to spend, and resist impulse buying, especially if you do not know how good a deal you are really getting.
Have a complaint? Call the Attorney General’s consumer hotline at 1-877-877-9392 or file a complaint online.