Here are three scams you should know about this holiday season:

1) “You’ve won” – callers tell you you’ve won something, but claim you need to pay a fee to collect the winnings or prize. If you win something, they will pay you—not the other way around.

2) “You’ve got a package” – scammers send you a text message stating that a mystery package has been delivered to your local post office. Do not click on any links in the text message or reply. If you have questions about a package delivery, contact the US Postal Service directly at www.usps.com or call 1-800-ASK-USPS (1-800-275-8777).

3) Utility disconnection – callers claim to be the power company and threaten to disconnect service if money is not sent immediately. Your power company does not make threats like this. This is a scam!