Gift card scams are a pervasive form of fraud, and it’s crucial to be aware of how they operate to safeguard your finances. Scammers often pressure victims into purchasing gift cards, like Google Play or Apple cards, and then demand the card details for their own gain. Remember, legitimate businesses and government agencies will never ask for payment via gift cards. If someone does, it’s a red flag for a scam. Always keep records of your gift card purchases, including the card itself and the receipt, as they are vital for reporting scams and potentially recovering your funds.
The Federal Trade Commission (FTC) emphasizes that you should be wary of anyone who pressures you to transfer money or make payments through unconventional methods like gift cards. These are hallmark tactics of scams.
Learn more about avoiding scams
Understanding How Gift Card Scams Unfold
Gift card scams typically begin with unsolicited contact through calls, texts, emails, or social media messages. Scammers are adept at crafting convincing scenarios to trick you into buying gift cards—often for popular brands like eBay, Google Play, Target, or Apple—and then extracting the card numbers and PIN codes. Here are the common strategies they employ:
- Creating a Sense of Urgency: Scammers thrive on pressure. They will insist on immediate payment, often claiming dire consequences if you don’t comply right away. This tactic is designed to prevent you from thinking clearly or consulting with trusted individuals. Recognize urgency as a scam signal. Slow down, verify, and never rush into payment.
- Specifying Gift Card Brands and Purchase Locations: Scammers are particular about the type of gift cards and where you buy them. They frequently direct victims to purchase cards from retailers like Walmart, Target, CVS, or Walgreens, often favoring brands like eBay, Google Play, Target, or Apple. In some cases, they might instruct you to visit multiple stores to avoid raising suspicion with cashiers. They may even stay on the phone with you throughout the purchase process. If someone is dictating where and what gift cards to buy while on the phone, hang up immediately. It’s a scam.
- Demanding the Gift Card Number and PIN: The ultimate goal is to obtain the gift card number and PIN. These details on the back of the card grant scammers access to the funds you load onto it, even if you physically retain the card. Never disclose these details or send photos of the card to anyone you don’t trust. This information is equivalent to cash.
Common Scenarios in Gift Card Scams
Scammers are inventive and use a variety of deceptive stories to convince you to buy gift cards and steal your money. Here are some prevalent gift card scam scenarios:
- IRS or Government Impersonation: Scammers pose as officials from the IRS or other government agencies, threatening arrest or legal action for unpaid taxes or fines unless you pay immediately with gift cards.
- Tech Support Scams: They may impersonate tech support from well-known companies, claiming your computer is infected with a virus and demanding payment via gift cards for their “services.”
- Romance Scams: In online dating or social media, scammers build fake relationships and then ask for gift cards, often citing emergencies or financial hardship.
- Lottery or Prize Scams: You might be informed you’ve won a lottery or prize but need to pay fees or taxes with gift cards to claim your winnings.
- Emergency Scams: Scammers may pretend to be a family member or friend in urgent need of money, requesting gift cards to help with a fake emergency situation.
- Utility Company Scams: They may call pretending to be from your utility company, threatening to shut off your power or water if you don’t make an immediate payment with gift cards.
- Online Marketplace Scams (like eBay): While “scanner car visa mastercard amex discover accepted ebay united states” is mentioned, remember that legitimate platforms like eBay use secure payment methods and do not require gift card payments. Be cautious of sellers demanding gift cards for transactions on these platforms. Legitimate transactions typically accept Visa, Mastercard, American Express, and Discover directly through secure payment gateways.
What to Do If You’ve Fallen Victim to a Gift Card Scam
If you’ve purchased a gift card and shared the details with a scammer, immediate action is crucial. Use your gift card and store receipt to take these steps:
- Report to the Gift Card Company Immediately: Contact the gift card company as soon as possible, regardless of when the scam occurred. Use the contact list provided below.
- Request a Refund: Inquire about the possibility of getting your money back. Some companies are actively working to combat gift card scams and may offer refunds in certain situations. It’s always worth asking.
- Report to the FTC: File a report at ReportFraud.ftc.gov. Every report contributes to the fight against fraud.
Contact Information for Gift Card Companies
Here is a list of contact details for major gift card companies to report scams:
Amazon
- Call 1 (888) 280-4331 and follow the instructions.
- Keep your gift card and receipt.
- Visit Amazon Gift Card Scam Information.
American Express
- Call 1 (877) 297-4438 and follow the instructions.
- Keep your gift card and receipt.
- Visit American Express Gift Card Scam Information.
Apple, iTunes
- Call 1 (800) 275-2273 and say “gift card” to reach a representative.
- Ask if funds remain on the card and request a freeze and refund if possible.
- Keep your gift card and receipt.
- Visit Apple Gift Card Scam Information.
Best Buy
- Call 1 (888) 237-8289 and follow the instructions.
- Keep your gift card and receipt.
- Visit Best Buy Protect Yourself Information.
eBay
- Chat with eBay Customer Support or request a callback.
- Keep your gift card and receipt.
- Visit eBay Gift Card Scam Information.
Google Play
MoneyPak
- Submit a fraud claim to MoneyPak Fraud Report.
- Keep your MoneyPak card and receipt.
- Visit MoneyPak Security Information.
ReloadIt
- Call 1 (888) 633-9434 and follow the instructions.
- Keep your ReloadIt card and receipt.
- Visit ReloadIt Website.
Sephora
- Call 1 (877) 737-4672 and follow the instructions.
- Keep your gift card and receipt.
- Visit Sephora Gift Card Scam Awareness.
Steam
- Report via Steam Support.
- Keep your Steam gift card and receipt.
- Visit Steam Gift Card Scam FAQs.
Target
- Call 1 (800) 544-2943 and follow the instructions.
- Keep your Target gift card and receipt.
- Visit Target Security Information.
Vanilla
- Call 1 (833) 322-6760 and follow the instructions.
- Keep your Vanilla card and receipt.
Visa
- Call 1 (800) 847-2911 and follow the instructions.
- Keep your Visa gift card and receipt.
- Visit Visa Gift Card Support.
Walmart
- Call 1 (888) 537-5503 and follow the instructions.
- Keep your Walmart gift card and receipt.
- Visit Walmart Fraud Alerts.
If your gift card isn’t listed, check the card for contact information or search online for the issuer. If you can’t find contact details, or the issuer is unresponsive, report it to the FTC.
Best Practices for Buying and Using Gift Cards
Gift cards are intended for gifts, not routine payments. Never purchase a gift card as a payment method for someone who instructs you to do so and demands the card numbers. When buying gift cards:
- Buy from Trusted Retailers: Stick to reputable stores you know and trust. Avoid online auction sites where cards might be counterfeit or stolen.
- Inspect Before Purchase: Check for intact protective stickers and ensure the PIN is concealed. If you notice any tampering, choose a different card and inform store staff.
- Keep Purchase Records: Always retain a copy of the gift card and the store receipt. Taking photos with your phone is a good practice. These records are essential for reporting fraud or loss to the gift card company.
By staying informed and vigilant, you can protect yourself from gift card scams and ensure your money remains secure. Remember, when it comes to payments, especially online, always prioritize secure and traceable methods like Visa, Mastercard, American Express, and Discover, particularly when using platforms like eBay in the United States. Be wary of any request for payment via gift cards, especially for services or products related to “scanner car” purchases or repairs – legitimate businesses will offer secure and conventional payment options.