Puppy Love

By Crystal Baldwin 

Nothing quite beats puppy snuggles to lift spirits and brighten moods. Though I speak now mostly from personal experience as the owner of a sweet cuddly chihuahua, Bobby, my sweeping generalization is based in fact. Loving on animals induces the cuddle chemical, oxytocin, giving the body a calming feel-good rush. Who couldn’t use a bit of pick-me-up right now?  

Lap dog Bobby snuggling

I know I’ve been cuddling with my dog more. I feel lucky to have him and to have purchased him as a purebred puppy for the discount price of $225 from a legitimate breeder in Kentucky when I lived there. $225 was a steal for my companion. In retrospect, I would have paid much more for him and the joy he has brought my life. And realistically, I know many Vermonters do. They spend hours searching for the perfect pet to expand their family and when found, spare no expense to bring them home. 

Sadly, scammers know this. They’ve devised skilled, deceitful plans to connect you with fake puppy companions, take your money, and give you nothing in return—except, perhaps, a broken heart. These scammers are mostly lurking in indiscreet corners of the internet, posting poached photos of someone else’s pets, claiming they are for sale and that they’ll ship them to you. Sometimes they’ll claim you can get the pet for the unbelievable price I paid, $225 or less. Sometimes they claim the pet is free but you must pay shipment fees or for medical complications that arose. Drawn by the plethora of adorable photos and the anticipation to snuggle your cutie, you send the money. The website looks legitimate and with all those photos, you never consider that this pup-for-sale is part of an intricately woven tale of fiction.    

Puppy Love image warns: Don't get scammed by Puppy Love. Find out more about online pet listing scams on the CAP blog: blog.uvm.edu/cap

What are you to do then? News sources have reported more people are purchasing furry friends during the pandemic. While we’re tethered to our homes, online buying seems to make the most sense.  What we’ve seen at the Consumer Assistance Program (CAP) through scam reports, however, is that when consumers purchase from online puppy sellers sight unseen, even from supposed Vermont businesses, folks are sending money and not getting a pet as promised.   

The simplest way to avoid online puppy scams is to commit to “pet the pet” before turning over any money. If you don’t have the lovable furry friend in hand: 

  • Don’t wire transfer money 
  • Don’t give the seller gift card information  
  • Don’t send a peer-to-peer payment (Venmo, PayPal Friends/Family, Zelle) 
  • Don’t mail cash, money orders, or/checks 
  • Don’t give out automatic debit information of your bank account or read off a check number 
  • Don’t provide a credit or debit card number 
  • Don’t give the seller remote access to your computer 
  • Don’t secure the pet purchase by providing copies of your license or Social Security card. 

I wish I had a better solution for you. I wish there was a magical website that connected each person to their pet family member. I wish I knew of a place in Vermont, or New England for that matter, where a person could buy a purebred puppy for as little as $225, like I did—believe me, I consider myself lucky. I am sad to say that I don’t. Absent this magical website, the best thing you can do is connect with people in your network and ask where they got their dogs. If your friends are like my friends, you will likely be referred to the Humane Society (Addison County Humane SocietyCentral Vermont Humane SocietyHumane Society of Chittenden CountyFranklin County Humane SocietyRutland County Humane SocietySpringfield Humane SocietyWindham County Humane Society). 

Want to learn more about scams and scam prevention? 

For more information about common scams and scams on the rise, we encourage you to utilize the following resources:  

CAP Connection: Consumer Assistance Program Blog  

Common Scams in Vermont  

Federal Trade Commission Scam Alerts  

If you would like to help stop scams, consider being a CAP Cares Ally, by getting scam alerts and notices from our office and committing to sharing scam information with those in your community.  

Get alerts from our office:  

To receive scam alerts about scams on the rise in Vermont by phone call, text, or email, use the following link to sign up for Scam Alerts:  https://ago.vermont.gov/scam-alerts-signup-form/. Need assistance signing up? Call the Consumer Assistance Program at 800-649-2424. We can help you sign up and we can assist if you have questions, concerns, or need help determining if you have been a victim of a scam.  

Friendly Advice

This week, during National Consumer Protection week, our staff members are opening up and sharing stories of when they were scammed. Because no one is invincible to being #scammed. Let’s keep the dialogue moving, share this post and your own scam stories and lessons learned.

While the internet is an incredible tool, it’s also a scammers’ playground.  I encountered a Craigslist scam while searching for a new apartment, and the experience has stuck with me. I hope that others can learn from my encounter with a scammer.

Two years ago, I found myself scouring the internet almost daily as I searched for apartment leads in the Burlington area. One day, I came upon an amazing find on Craigslist, and I knew I had to act fast. It was a beautiful two-bedroom apartment near the lake with a brand-new kitchen and a backyard. It looked amazing and the price was irresistible!

Using the Craigslist “email” option, I contacted the person who had put up the post. I provided them with my phone number and expressed that I was very interested. Shortly thereafter, I received a text message:

Thanks for your interest in the apartment. I am in Florida on business so I can’t show you the place right now, but if you to send me the deposit in the mail the place is yours. Get back to me as soon as possible.

Something didn’t seem right. Feeling uncomfortable and confused, I showed the text message to my friends. “That’s a scam!” they said. My friends encouraged me to look on Zillow.com to see if photos from the Craigslist ad had been stolen from someone else’s listing—and they had! The person who posted on Craigslist had copied all the photos from a legitimate Zillow.com listing and was attempting to get money from desperate apartment-seekers.

At this point in the story, I felt embarrassed and angry. Why would someone do this? How could I have fallen for it? And how are they getting away with something so wrong?

This time, I was lucky. I didn’t send the deposit and I flagged the ad for Craigslist. My friends were there for me and provided much needed advice. Sometimes a second-opinion is all you need to spot a scam.

Here are my scam lessons learned:

  1. Be careful when searching online listings – if it looks too good to be true, it probably is!
  2. Always see an apartment in-person before committing to a lease.
  3. Do not provide a deposit until you have signed a lease.
  4. Get a second opinion: if you come across something that doesn’t feel right, ask a trusted friend or family member for advice.
  5. Never pay for online purchases using cash, money order, bank check, personal check, wire transfer, gift cards (outside the merchant’s website), peer-to-peer payment, bitcoin, and any other option that is not a credit card or known transmitter.

Have you ever been scammed? Tell us about it. Share this post and your own scam stories and lessons learned. The best form of prevention is awareness.

Contributing Writer: Madison Braz

Scam Invincible

This week, during National Consumer Protection week, our staff members are opening up and sharing stories of when they were scammed. Because no one is invincible to being #scammed. Let’s keep the dialogue moving, share this post and your own scam stories and lessons learned.

I’ll never forget the first time I was scammed. Yes, there was more than one time. And, though the world might expect that because I have an advanced degree and am now a consumer topic expert that I could never be scammed, I assure you I can. And, I know I am not alone in this. In answering the CAP hotline, I often hear scam victims say “I know better. I’m a [fill in the blank]. I am so ashamed.” I’ve heard this line from professors, financial analysts, doctors, computer programmers—the list goes on. No one is invincible to the scam artist. 

The mindset that we are invincible, however, and that we won’t be scammed is a surefire way to get scammed. My personal fault is that I trust in humanity. Perhaps my Vermont upbringing is at play here. I live my day-to-day life anticipating that those around me do not intend to harm me and that I could trust and rely on them if I needed to. If I extend kindness and honesty, the same will be returned.

Early in my professional career, a colleague and friend got a kick out of “Tickle Me Elmo.” I mean, who didn’t? The commercials showed the squeaky voice character laughing and shaking with great glee. I planned to buy her one for her birthday, but like many prized items, I could not find it for sale anywhere. So, I took to eBay. The site had many listings, some new and some used, all pricey, except one. It was advertised as new and, in the box, and the price was right— so right some might say it was too good to be true. I checked the seller’s ratings and she had 99% positive ratings. I thought that was pretty good. I agreed to “buy it now” as opposed to betting my luck with the auction option and in a few clicks the Elmo was set to be mine. 

After I agreed to the purchase, I got a notice from the buyer that I had to pay with a money order, or cash. I sent a postal money order as instructed and never received my item. I filed a dispute with eBay. The seller claimed, “someone must have stolen it” (My packages were never stolen.) and the item didn’t arrive because I had a “weird military address” (I did not have a military address). My eBay account ended up getting restricted because the seller complained about me for having posted a negative review.  I believe the company has since changed their policies. I asked the Post Office what I could do about the lost money order and package. They told me I could do nothing; I was scammed.

Having never met the eBay seller, I trusted her to fulfill her end of the agreement as I had completed mine. Having the mentality that I wouldn’t be scammed contributed to the reason I ultimately was. I trusted a person on the other end of the internet without questioning her motives or having her prove her intentions to me. Scammers will scam whomever they can. I know now there are several things I could have done differently. We can practice healthy skepticism by asking questions to make informed decisions.

Here are my scam lessons learned:

  1. Question offers that are too good to be true. 
  2. Do a deep dive into online seller’s ratings.  (When I later looked at buyer comments, I noticed others had complained of the same problem).
  3. Before paying, demand proof that the item exists.  One option is having the seller send multiple pictures with a specific word documented next to it.
  4. Only pay for online purchases with a secure and trusted method of payment, like with a credit card or known transmitter.
  5. Never pay for online purchases with cash, money order, bank check, personal check, wire transfer, gift cards (outside the merchant’s website), peer-to-peer payment, bitcoin, and any other option that is not a credit card or known transmitter, like noted above.

Once I was scammed, there are more things I could have done to identify the scammer to authorities and prevent others from being victimized:

  1. File a complaint with the Consumer Assistance Program about eBay’s dispute process and this seller. 
  2. Notify the US Postal Inspector regarding the cashed money order and report the address of recipient.
  3. Report the issue to the police.

Over the years, eBay scams have adapted. The most common eBay scams we hear about at CAP now involve communication outside the eBay site and a demand to pay with gift cards. Others report replying to an eBay email or searching for eBay in a browser and being sent to a lookalike eBay website. Always check the site you are on and take steps to validate it. Never complete the transaction outside of the store website. Always be suspicious if a seller requires a specific form of payment, even if it’s eBay gift cards and it looks like you are on the site.

Have you ever been scammed? Tell us about it. Share this post and your own scam stories and lessons learned. The best form of prevention is awareness.

Contributing Writer: Crystal Baldwin