11/14/2025 8:00:00 AM | Money Matters

Stay S.A.F.E. from scammers: Holiday shopping edition

Scammers love the holidays, and their greatest hits return every season amid the daily deals and get-it-before-its-gone frenzy that sets up eager shoppers. They’re like those black-and-white classics, with familiar urgency, distraction and emotional plotlines — along with an AI-colorized twist.

So while you’re familiar with the story, here’s a little interruption to their regular scammy programming. Consider it your holiday must-see to stop the Grinch from turning your George Bailey into an Ebenezer Scrooge.

Classic scams include:

Card scams that steal your info through convincing fake sites and skimmers
- Verify sites by checking for “https,” reading reviews and avoiding sellers who demand use of payment apps, wire transfers or gift cards.
- Remember that online searches can produce top results that are paid ads or popular links that aren’t always legitimate. Double-check the URL before clicking and make sure it matches the official site you’re trying to visit.
- Skimmers are devices that attach to card readers at stores, gas pumps and ATMs. If something feels off, don’t use it. Use the chip when possible and monitor your account for unauthorized charges to steal your card information when you swipe.
Shipping scams that prey on your tracking obsession
Scammers may send texts or emails claiming a package is delayed or needs payment. If you didn’t order anything, delete and report it. For real deliveries, track directly through the retailer or shipping provider.
Social media deals that seem “too good to be true”
Scammers use fake profiles and posts with flashy deals and contests to steal your money or data. Stick to trusted retailers.
Job listings that ask for your SSN or direct deposit details up front
Scammers exploit seasonal job demand with fake listings. If you're asked for personal info before an interview, it’s likely a scam. Research the company and apply directly through their site.
Gift cards that aren’t worth the plastic they’re printed on
Buy gift cards only from the issuer — scammers often sell fake or used ones.
Charity scams that tug at your heartstrings
Scammers exploit holiday generosity. Always verify charities through trusted sources like charitynavigator.com before donating.
AI-generated messages that pose as personalized holiday cheer
Holiday messages may appear personalized but can contain malicious links. Avoid clicking on anything from unknown senders, especially digital greeting cards or promotions in WhatsApp or Messenger.

Stay S.A.F.E. by remembering these four letters:

S: Set up online banking account alerts

Real-time notifications can help you spot suspicious activity early. Get alerted to large purchases, login attempts or changes to your account.

A: Authenticate using two-step verification

This adds an extra layer of security by requiring a second form of verification, such as a code sent to your phone.

F: Frequently review accounts

Remember that once scammers get your payment information, they often test the card with small, easily overlooked charges before making larger purchases. Monitor your statements closely and report any suspicious activity immediately.

E: Engage with verified sources

Whether shopping, donating or applying for jobs, always go through official channels.

Never share your banking login credentials. If you get a call, text or email from your bank asking to verify transactions and asking for your username, password or one-time code, hang up and call your bank directly using the number on the back of your card or from the bank’s official website.

If you receive a suspicious message or think you’ve been a victim of fraud, call Columbia Bank immediately at (866) 486-7782.

For more information about how to keep your money and accounts safe, check out our other Focus on Fraud topics, including: