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Online auctions are more popular than ever, enabling users to find everything from collectibles to car parts. Most auction transactions go smoothly. Auction fraud, however, is also more prevalent.
You can choose LifeLock.com (Promotion Code) to be pro-active in protecting your identity and personal information. Simply reacting to identity theft isn’t enough anymore. Too many thieves have found out this is a safe, easy, money-making crime to commit. They’re out to get you.
You may never receive the item that you won, or the item that you receive may not be what the seller promised. You may even discover that a seller has stolen your personal information. Fortunately, if you do a little research and follow these tips, you can help avoid auction fraud.
1. Research the auction site. If you’ve never used an online auction site, read the site’s Help file before you place a bid. Also make sure you understand the site’s privacy statement and its user agreement.
For example, after you place a bid, most auction sites will require you to pay for the item if you win, even if you no longer want the item or decide your bid was a mistake.
Make sure to check for insurance and guarantees. Some sites will reimburse your money if you’ve been scammed.
2. Research the seller. Ask for a telephone number and verify it. Be wary of sellers who ask that you send payment to a post office box instead of a physical address.
Many auction sites track a seller’s history and encourage feedback from buyers concerning their experiences with sellers. Ask questions before dealing with sellers with no feedback or no sales history.
3. Research the item. Learn about an item before you bid on it. Find an expert on that particular item and ask if she can authenticate it.
Compare prices on other auctions for similar items or even at online stores. Ask questions if the auction price is considerably lower than what you can find elsewhere.
4. Watch for items with shipping dates that exceed 20 days after receipt of payment. A delayed shipping date could be a sign of possible fraud.
Many auction sites require that sellers ship items within a certain number of days after payment. Check the site’s user agreement to find out if the seller is within that time frame. If the auction doesn’t specify an estimated shipping time, contact the seller. If the seller doesn’t give you a straight answer, you’d be wise to bid elsewhere.
Hint: Before you bid, ask sellers if they plan to ship the item using a parcel tracking service. If your shipment is delayed you can contact the seller, who should be able to tell you exactly when the item is due to arrive or give you the shipment tracking information.
5. Be wary of deals that sound too good to be true, especially around the holidays. An auction with a starting price much lower than other auctions of similar items may indicate a lower quality product, or it could mean the item was stolen.
6. Never be lured from the auction site with the promise of a better deal. You may receive e-mail messages from strangers offering items similar to those which you’ve recently bid on, but at a lower price. Some scammers use this technique to entice people away from trusted auction sites. Know that when you participate outside of the site, you are no longer protected by the site’s privacy and security policies.
7. Never pay with cash or a money order. Also be wary of requests for bank or wire transfers and sellers who want to be paid in foreign currencies.
8. Question sellers who ask you to send payment to an address that is different from the one in the auction. Some fraudulent sellers will change the payment address or other details after you’ve won the auction. Always question these changes, and if the sellers won’t budge, report them to the auction service.
9. Consider using a third-party payment service. Third-party payment services allow you to transfer money into an online account and make payments from that account without exposing your credit card or bank account information to the seller.
For big ticket items, consider using an online escrow service to act as a go-between, holding your money until you receive and approve of the seller’s item. The terms of escrow should be agreed upon by both the buyer and the seller.
Hint: Be cautious of sellers who will not be flexible about payment options.
10. Never respond to unsolicited requests to update your account information. These e-mail messages may be scams used to steal your identity.
Most legitimate companies will never send you unsolicited e-mail or instant message requests for your passwords or other personal information. If you do receive a request like this that you think may be legitimate, contact the company directly (not through the message you received) and ask for confirmation.
In most cases of identity theft the damage is limited to the financial realm. But what if your ID is stolen and used by someone else when he or she is arrested for a separate crime? Or, what if someone commits medical ID theft, using your identity to receive medical care? What if his or her medical information blood type or drug allergies gets commingled with your medical information.
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