Gift cards are a popular and convenient way to give and receive gifts, especially during the holiday season. Unfortunately, they’ve also become a favorite tool for scammers looking to exploit unsuspecting consumers. At the Law Office of Erin Bradley McAleer, we want to help you recognize common gift card scams and protect your hard-earned money. Here’s what you need to know.

Common Gift Card Scams

The “Pay with a Gift Card” Scam

Scammers may pose as utility companies, government agencies, or even tech support services and demand payment via gift cards. They’ll often pressure victims by claiming there’s an urgent issue, such as a past-due bill, a warrant for arrest, or a computer virus.

Fake Gift Card Resellers

Discounted gift cards may seem like a good deal, but fraudulent sellers often sell cards with no balance or steal information from legitimate cards to drain their funds later.

Gift Card Balance Theft

Scammers tamper with gift cards displayed in stores by recording their numbers and waiting for them to be activated. Once activated, they drain the balance before the card’s rightful owner has a chance to use it.

Phishing Emails or Calls

Fraudsters may send fake emails or make calls claiming you’ve won a prize or need to verify personal information to receive a gift card. In reality, they’re attempting to steal your information or money.

Red Flags to Watch Out For

  • Demand for Payment in Gift Cards: Legitimate companies and government agencies will never ask for payment via gift cards.
  • Pressure or Urgency: Be cautious of anyone who creates a sense of urgency or threatens negative consequences if you don’t act quickly.
  • Unverified Sellers: Avoid purchasing gift cards from unofficial websites, auction sites, or individuals.
  • Tampered Packaging: Inspect gift cards for signs of tampering, such as scratched-off PINs or damaged packaging.
  • Unsolicited Emails or Calls: Be wary of messages or calls offering free gift cards or claiming you need to verify information.

How to Protect Yourself

  • Buy from Trusted Sources: Purchase gift cards directly from reputable retailers or official websites.
  • Inspect Before Buying: Check the packaging for any signs of tampering and ensure the PIN is not exposed.
  • Keep Receipts: Retain your receipt as proof of purchase in case issues arise.
  • Use Immediately: If possible, use gift cards soon after purchasing them to reduce the risk of balance theft.
  • Report Suspicious Activity: If you suspect fraud, report it to the retailer, local law enforcement, and the Federal Trade Commission (FTC).

What to Do If You’re Scammed

If you’ve fallen victim to a gift card scam, don’t panic. Here are some steps you can take:

  1. Contact the Gift Card Issuer: Report the fraud and provide as much information as possible, including the card’s receipt and serial number.
  2. File a Complaint: Report the scam to the FTC at www.ftc.gov and your state’s attorney general’s office.
  3. Reach Out for Legal Help: Contact the Law Office of Erin Bradley McAleer at (360) 334-6277. We can provide guidance on your rights and help you take appropriate action.

Stay Informed and Stay Safe

Being aware of these scams and knowing how to spot red flags can save you from losing money and stress. If you’ve encountered a gift card scam or need assistance with a related issue, we’re here to help. Call us today at (360) 334-6277 or visit our website for more tips on protecting yourself and your family.