Summer Scams

By Katharine Clark, SHECP Intern

With increased vacationing, sightseeing, and attending events, summer is a fun-filled time in Vermont. Have a safe and happy summer by avoiding scams that may seek to intercept your vacation rental search, sell you fake tickets, or purport to be extended family stranded while on vacation.  

When searching for a vacation rental or event tickets online, be sure to do extensive research before agreeing to complete a purchase. If a family member calls in need, always take steps to verify. 

Vacation Rentals 

When looking for a vacation rental—some listings may seem too good to be true. Scammers can create fake listings to rope interested renters into dangerous schemes. Learn how to catch and avoid rental scams so you can rent safely and protect your money. 

Spot the Signs: 

  • Too Good to Be True: If the price is significantly lower than other similar properties in the area, the listing likely isn’t real. 
  • Unprofessional Listing: If a listing has many typos or poor grammar, it was likely made by a scammer. Serious listings are seriously made, and they will be carefully constructed and proofread. 
  • Double Listings: If rentals appear multiple times across platforms, and especially on a single platform, it is likely that the duplicates are scams. Scammers will frequently copy a legitimate rental and add their own information. 
  • Unverified Address: Scammers can list properties that either don’t exist or are unavailable (E.g. foreclosed properties). Scammers can also take advantage of vacant properties, sometimes even agreeing to show the listing in person even when it is not actually available. 
  • Payment First: If you must pay and/or provide personal information before meeting the seller, seeing the property, or signing the rental agreement, it is likely that the seller is either withholding information or attempting to scam you.  
  • Untraceable Payment: Though there can be exceptions, be wary of listings that require untraceable/non-refundable payment such as cash, wire transfers, money transfer services (like Western Union or MoneyGram), or more suspiciously, gift cards or cryptocurrency, including crypto kiosks. Scammers can also go through legitimate services like Airbnb but request payment through another service or an escrow account. 
  • Faulty or Missing Agreement: Scammers can manipulate incomplete leases (filled with blank spaces or vague writing) without your knowledge or consent. Or they can simply take your money with no legal documentation if there is no lease at all. 

What to Do: 

  • Protect Your Information: Before viewing the rental, never give out your social security number, bank account, or debit or credit card information. 
  • Verify the Address and Price: Look up the property and verify that other results (either duplicate listings on different sites or more information about the property) show the same listing with the same seller information. You could also do a public records search with the town clerk to verify the property owner. If the results differ between listings, or if the property is not actually available for rent, it is a sign of a scam. 
  • Verify the Price: Check the prices for similar rentals near the listing to verify that the seller’s price is in line with expected costs. If it seems too good to be true, it is safe to assume that it is. 
  • Seller Reputation: Look at reviews of the seller online to find complaints from former tenants. If words like “scam” frequently appear, avoid the listing. 
  • See the Property and Meet the Seller: Try the view the property and meet the listing agent/landlord either on a video call or, ideally, in person. If the seller refuses, avoid the listing. 
  • Check the Rental Agreement: Try to have someone review your lease for completion and quality before signing, and if there is no written rental agreement, avoid the listing.  
  • Send Your Money Wisely: Whenever possible, insist on paying all fees, deposits, or rent through traceable and recorded forms of payment like a credit or debit card. Only pay after verifying where you’re sending your money. 
  • Websites to Look Out For: Be extra cautious when looking at listings on websites like Craigslist, Zillow, or Facebook Marketplace. These are sites that interested renters frequent and scammers know to target. When using designated vacation rental website like AirBnB and VRBO, look out for sellers requiring payment through external services. 
  • Go With Your Gut: If you don’t trust the listing or if something feels off, avoid it. 

Online Ticket Sales 

This summer, Vermont will be filled with fun, ticketed events that you and your loved ones will be eager to attend. Before buying your tickets, learn these steps to avoid being scammed by fraudulent ticket sellers and keep your summer plans safe from scams.  

Spot the Signs 

  • Prices are Too Good: If most other sellers are listing similar tickets for much higher prices, the ticket you’re considering buying is likely a scam. 
  • Untraceable Payment: Ticket scams will often require untraceable/non-refundable payment methods such as gift cards or wire transfers. Scammers can also pose as legitimate sellers on trusted sites like Ticketmaster but require off-site payment.  
  • Phishing: Emails, texts, and social media messages can be used to phish for personal information through ticket scams. If the email address has a strange or unfamiliar domain name, or hovering over an included URL looks suspicious, it is likely a phishing scam. Scammers might also use lookalike websites (E.g. slightly misspelling  as “Ticketsmarter.com” to appear as the known ticketmaster.com). 
  • Sold-Out Tickets: Though there can be exceptions, sold-out tickets are often used as scams, especially if the seller has very little information available and refuses to meet in person. 
  • Printed or Replicated Tickets: Scammers can print the same ticket multiple times or replicate a bar or QR code on a ticket being resold. If there is no secure digital form of the ticket, or if the seller included photos of the ticket with a visible barcode or QR code (even if crossed out), it is likely a scam. 
  • Fake Support Numbers: Scammers can create a website or ad with a fake customer support number for real ticketing services. These numbers may appear as the top results when searching for support from specific companies. Once called, these scammers will pretend to be agents with the company and ask for your personal information.  

What to Do 

  • Purchase your tickets directly from official sources like the box office (ex. Flynn Center) or a primary ticketer like Ticketmaster or StubHub (E.g. Vermont Lake Monsters Tickets
  • Whenever possible, use traceable forms of payment and pay directly to the ticketer. Avoid third-party payment or unconventional payment methods like peer-to-peer payment (PayPal, Venmo) gift cards or cryptocurrency/kiosks. 
  • Be cautious of ticket customer support numbers you find online. Fake numbers for well-known companies like Ticketmaster, are often used to scam customers seeking support online. 

Family Emergency While Vacationing 

With increased travel of family members during summer months, family imposters may strike. Scammers can pretend to be a relative in an emergency – in need of money immediately because they’ve been stranded, or in an accident while traveling. Know the signs so you and your real loved ones can stay safe from family emergency scams this season. 

Spot the Signs: 

  • Scammers call about a family member in an unlikely but dire situation such as a medical emergency or arrest and need money immediately. They often share specific details that could make the scam more convincing like names and school information. The Federal Trade Commission (FTC) has even warned about scammers using advanced technology such as voice cloning. 
  • They will often ask for money to be sent through untraceable/non-refundable methods such as gift cards. 
  • Common forms of this scam include the grandchild imposter, or “grandparent scam,” in which scammers claim to be one’s grandchild. 

What To Do: 

  • Stay up to date with the information your loved ones are sharing online. Personal information and pictures, especially when shared on public accounts on social media platforms, can be stolen and used by imposter scammers. 
  • Create a secret code to use among family members in cases of emergency.  
  • Keep trusted contacts of loved ones in an easy to locate place. 
  • Never send money parties you can’t verify 
  • If the scammer threatens to come to your house or you are told that someone will come to pick up the money, do not answer your door and call the police. 
  • Establish a family plan now, before contacted. Plan to go S-L-O-W: 

Slow down and calm down. Scammers will try to spike your emotional response with emergency situations requiring immediate reactions. Take your time to verify the legitimacy of the situation. 

Log the contact. Write down the information of whoever contacted you and disengage. 

One call. Call either the number you know to be the person the scammer is impersonating or call a trusted contact. A trusted contact should be someone you can meet/have met in person. 

Warn others: Help others to identify scams by reporting them.  

If you notice a scam, disengage and report. Report scam encounters to FBI Internet Crime Complaint Center at ic3.gov. If you sent money, contact the financial institution right away. The Consumer Assistance Program at the Vermont Attorney General’s Office is your Vermont resource for scam prevention and information.  

Buying Stuff You LOVE Online 

Have stuff you love? One might argue consumerism is all about the love people have for the things they buy. And consumer protection, well, that’s the promise that the sale of things will be clear and fair. Plain and simple. You love your stuff and so there are laws and rules that protect you as the consumer when you are buying things. Sometimes, people pay for things online that they never receive. For some, that’s heartbreak.  

Buying stuff you LOVE online: Blog.uvm.edu/consumer - Three photos of stuff: clothes hanging on a rack, shoes displayed with bright red boots in the middle, red handbag. Pictures are overlapping and positioned to the left against a pink background with a framed outline of white hearts.

So, what do you do when the thing you committed to purchasing from a website never arrives as a package at your door as promised?  

  • Try to discern whether the site is a scam or if the delivery delay was due to an error. Talk to friends and family about what happened and discuss. Do some browsing on the website. If pictures look pixelated and you notice spelling errors, the site is likely a fake.  
  • Found a fake? Inform your financial institution to dispute the charges. For credit cards, you have 60 days from the time the transaction was posted on your credit card billing statement to file a chargeback dispute (some cards allow more time, but not all). This means there is a clock ticking on when you can file a claim with the credit card company. If the item never arrives and you have found the website to be a fake, it is unlikely the company itself will not issue a refund. In this scenario, filing a dispute with your credit card company is your best course of action for a refund. 

The Mail, Internet, or Telephone Order Merchandise Rule is a Federal Rule that protects your mail, internet, or telephone orders of merchandise. What does the rule do? 

  • Sellers can solicit orders by mail, internet, or telephone only when they have a reasonable basis to expect that they can ship the ordered merchandise within the time stated on the solicitation (if no time is stated, within 30 days). 
  • If the seller cannot ship within the time stated (or 30 days, if no time is stated), the seller must get consent from the buyer to delay shipment.  
  • Without buyer consent to delay shipment, the seller must issue a prompt refund for the unshipped merchandise.  (Federal Register, Federal Trade Commission

Vermonters may file a consumer complaint with the Consumer Assistance Program when purchased items are not received, or are misrepresented: https://ago.vermont.gov/cap/get-help-consumer-complaint

Find something you love online? Protect your money. Take steps to verify the website is valid and perform online searches about others’ interactions with the site before buying. If you find that customers commonly say they do not get the product, or items are different than purchased, or advertised promises were not honored, look elsewhere. There is a chance the new thing you have come to love does not exist. 

Attorney General Clark Releases Top 10 Scams of 2023

BURLINGTON, Vt. – Scam reports to the Attorney General’s Consumer Assistance Program (CAP) totaled 3,212 in 2023. The “computer tech support” scam took the number one spot on the list, totaling almost 25 percent of the top scams reported. Phishing scams involving financial institutions, where a scammer tries to lure victims into clicking malicious links or tricking them into providing sensitive information which can be used to steal money, took the number two spot, accounting for a little more than 11 percent of the top scam reports in 2023.

Top 10 Scams in Vermont, 2023: Computer Tech Support, 531; Phishing, 246; Law Enforcement Imposter, 228; Medicare Card Phishing, 210; Identity Theft, 206; Sweepstakes/Lotteries, 184; Fake Websites/Online Listings, 178; Family Emergency Imposter, 136; Deceitful Solicitations, 135; Rewards Credit, 132.

A new scam—the “rewards credit” scam—was reported to CAP for the first time in 2023, rounding out the list of top 10 scams. This scam involves an email or text message that states there are unclaimed rewards, typically earned as a reward credit in points, a gift card, or redemption coupon. The message displays as being from major retailers and includes a link to click or a number to call. When victims click on the link, they are asked to confirm their identity by giving personal information, then payment is requested for processing or shipping.

“We know that scammers have likely reached every Vermonter, often more than once. You may have received an annoying scam call or text, been lied to by a scammer, or lost money to a scam. But the good news is, we can fight scams by reporting them to the Consumer Assistance Program and spreading awareness within our communities.”

Attorney General Clark.

CAP actively updates scam prevention resources and strategies and manages the CAP Connection blog, keeping Vermonters informed about important consumer issues.

All Vermonters can help fight scams by reporting them to CAP and sharing prevention strategies in their community. To learn more about scams, visit: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education.

The Top 10 Scams of 2023:

Top 10Scam TypeReported Totals
1Computer Tech Support531
2Phishing (Bank, etc.)246
3Law Enforcement Imposter228
4Medicare Card Phishing210
5Identity Theft206
6Sweepstakes/Lotteries184
7Fake Websites/Online Listings178
8Family Emergency Imposter136
9Deceitful Solicitations135
10Rewards Credit132
Vermont’s Top 10 Scams of 2023 Ranked in order based on number of complaints reported to the Vermont Consumer Assistance Program

Top 10 Scams of 2023 Breakdown

  1. Computer Tech Support

The scam: You receive a phone call, pop-up, email or text message on your computer claiming to be a well-known company; sometimes it’s a tech company like Norton, Apple, or Microsoft, or it’s Amazon saying your credit card has been charged, or there is a package delivery delay. They will urge you to contact them due to a problem: your electronic device has a virus, your device security subscription has been automatically renewed, or you have been charged for services you did not receive or request. You may be prompted to click a link or call a number to contact. They will try to persuade you to give remote access to your device to fix the problem, and sometimes will even ask for immediate payment for their services or have you login to your online bank account to initiate a transfer.  

How to spot the scam: Companies will not call with tech support unless you requested that they contact you. Legitimate tech support companies do not display communications to their customers as random notices or alerts on your device. Tech support will not call you to warn of security incidents, that your account has been renewed for a subscription you do not recognize and will not send you random links with instructions for you to click on URLs. If you receive a package that you do not recall ordering, check your statement history to see if you have been charged. Packages without a return address are highly suspicious.

What to do: When contacted about a supposed business relationship, take steps to verify, especially if you do not remember purchasing the products/services. Never click on links or provide remote access to your computer from an unknown sender or pop-up message on your device’s screen. If you received a pop-up message you cannot click out of, shut down, restart, or unplug your device. If you get a call from “tech support”, hang up. Also, be careful when searching for tech support online. Some users have been scammed by calling inaccurate phone numbers listed online. If you are concerned about charges made to your accounts, log in to your account directly and contact your financial institution. If you receive a package that you did not order, write “return to sender” on it and give it back to the mail carrier.

2. Phishing

The scam: You receive an email or phone call claiming to be from a bank or entity that keeps personal identifiable information (PII), like the Social Security Administration. The communication may claim that your account is in danger or has been suspended, or that your card is on hold due to suspicion activity. Emails may also include links to phony websites. Phone calls may claim that there has been fraudulent activity involving your account, and the scammers demand personal information about you and your account. 

How to spot the scam: Scammers mask their actual identity by changing the sender’s name to the name of the cloned entity. Look at the email address before opening the email. You will often find an account not affiliated with the claimed entity. Similarly, scammers can spoof phone numbers of real businesses. If you answer a call that appears to be from a company with which you maintain an account and they ask for your personal and/or account information, hang up and call the company directly on a number you trust and verify their attempt to contact you. 

What to do: Do not reply to the email or click on any links or attachments included on the message. If you receive a call, hang up the phone. Correspond with entities only using verified contact information, such as information listed on your statement.

3. Law Enforcement Imposter

The scam: You receive a phone call unexpectedly, claiming to be a police officer, sheriff, U.S. Marshall, or the U.S. Customs and Border Protection. The caller threatens arrest or legal action or says there is a warrant out against you. When you engage, urgent payment is demanded to make the problem go away. Payment does not solve the supposed problem, and they keep calling. 

How to spot the scam: Law enforcers do not warn you ahead of time about a pending warrant or arrest. Legal action follows standard due process and there is a lot of paperwork, typically delivered by mail or served in person.   

What to do: Hang up on all arrest threats and report them. Watch out for similar government imposter scams that purport to be agents of government, including from the Social Security Administration, the IRS and more.

4. Medicare Card Phishing

The scam: Scammers will call, often with a live call and from a spoofed caller ID number, and pose as Medicare representatives to gain your personal information and money. These scams are most frequent during times of open enrollment but can occur year-round. The scammers will state they need your Medicare card number or Social Security number to keep your coverage active and verify medical information. The calls may also claim that coverage is expiring or in need of renewal. Scammers will also ask if you received a “new Medicare card.”

How to spot the scam: In general, Medicare cards do not expire. Unless you have called Medicare using the 800 number on the back of your card and requested a callback, Medicare will not call you. If a phone call is required, you would receive a letter from the Social Security Administration to schedule a call. Medicare representatives will never call you in an attempt to verify your information, sell you products, tell you that your coverage is expiring, or to issue you a new card.

What to do: Never provide your Medicare number or other personal information and payment to unknown callers. In Vermont, representatives of the State Health Insurance Assistance Program (SHIP) at 1-800-642-5119 through local Area Agencies on Aging can help address Medicare questions. Other questions and concerns about Medicare coverage can be directed to Medicare at 1-800-MEDICARE.

5. Identity Theft

The scam: Your personal information is compromised and may be used for another’s financial gain. This can look like: an unauthorized charge on an account, receiving a letter about a new account opening or a data breach notification. You might stop receiving legitimate bills and other mail or start to get bills for products and services that you didn’t arrange.

How to spot the scam: Beware of communications denoting unexpected bank transactions, credit card or benefit applications. If your expected bills are not showing up, or you are receiving correspondence in someone else’s name, report it.

What to do: Don’t give out personal information, such as your Social Security number, passwords, personal identification numbers, and financial accounts. Review your credit reports at least once a year. (You can access your credit report for free). Carefully check bank account statements and benefits to verify transactions. Shred documents and expired credit cards before you throw them out. Verify security breach notification letters received on the Attorney General’s website. If your information has been stolen by an identity thief, take identity theft protection steps. You can safeguard your financial information by placing a credit freeze on your credit report.

6. Sweepstakes/Lotteries

The scam: You will be notified by phone, email, or mail that you won a prize or a quantity of money. In some cases, you will even receive a realistic-looking check – but it is fake! You are instructed to pay fees and give your financial and personal information to claim your prize. They often use a legitimate sweepstakes name, like Publishers Clearing House.

How to spot the scam: Legitimate sweepstakes and contest businesses, like Publishers Clearing House and Mega Millions lottery, will contact you in person if you win a major prize. For prizes under $10,000, the notification is done through certified mail by overnight delivery services (FedEx, UPS). They will not contact you by phone, nor require a payment or processing fee to release your prize.

What to do: If it sounds too good to be true, then it’s not true. You don’t need to pay fees to an entity, whether for processing, shipping/handling, insurance, and taxes, etc., or give your financial information in order to claim a prize.

7. Fake Websites/Online Listings

The scam: Fake websites or phony listings draw you into a purchase that is enticing. Listings may include online storefronts, Facebook Marketplace and Craigslist posts that don’t deliver after payment has been made, cheap pet sales, and websites with steep discounts. This scam can also appear in online rental listings as well as target online sellers.

How to spot the scam: Be skeptical of unrealistic offers. Watch out for requests for money in any form when not made in person. Scammers likely will not want to talk on the phone or meet in person. Heed warnings in user reviews and other online commentary.

What to do: Investigate the person/profile of the seller. If their profile is new and they have no friends and photos, they are likely a scam. Verify the website URL is the actual business’ site and not a copycat. Research new websites you are considering doing business with by looking up online reviews and business registrations, taking note of how long the company has been operating. Perform online searches of the business with “scam” and “complaints” to see if issues generate. For classified-type listings, complete your transactions in cash and preferably at a safe place in person.

8. Family Emergency/Imposter

The scam: Scammers pose to be someone you trust and pretend to be in a crisis to convince you to send them money or will ask you for a favor. These scammers pose as grandchildren, friends, relatives, and close contacts appearing to be someone you know. Scammers impersonate people you adore and play on your fears to have you send money urgently. After the initial contact, you may be redirected to a lawyer or parole officer. Sometimes the voices in the phone call sound like relatives due to scammers utilizing artificial intelligence. In person couriers may also come to retrieve funds.

How to spot the scam: Contacts come in as calls, emails, or online messages. Sometimes it’s someone you haven’t heard from in a while. They require urgency and ask for secrecy. You may be instructed not to speak to your loved one on the phone.

What to do: Take steps to verify. Check out if they really are who they say, even if they sound like a loved one. Slow down your response and contact someone you trust to verify if there is an emergency. You can also choose a “code word” with friends and family to verify the person is who they claim to be. If they don’t know the word, they are not your friend or family member. Do not give money to in person couriers.

9. Deceitful Solicitations

The scam: You receive unsolicited communication with a deceptive promotion. Unreal offers may appear to be from a known business, like Xfinity, DirecTV, or Dish Network. Solicitations may purport affiliation with a charitable cause or make low-ball offers on the sale of real estate, urging recipients to complete an enclosed one-page form contract to sign over their home.

How to spot the scam: Beware of unsolicited offers you cannot verify. Be especially weary of offers that ask you to complete the transaction quickly or in one sitting.

What to do: Hang up on unknown callers and let calls go to voicemail. When you receive mailings, take extra time to review by inspecting the details and using your personal contacts as a sounding board. Never give over your payment information or sign on the line when you don’t understand the offer or details.

10. Rewards Credit

The scam: You get an email or text message that you have unclaimed rewards, or have earned a reward credit in points, a gift card, or redemption coupon. The message displays as being from major retailers and includes a link to click or a number to call. When you do, you are asked to confirm your identity by remitting personal information, then payment is requested for processing or shipping.

How to spot the scam: Rewards points and credits are earned through a pre-established program that you would have opted into. If you are a member of a rewards program, the redemption steps are outlined within the rewards program, and you would not need to resubmit your information. Most store rewards programs are activated with basic consumer information (name/address/email/phone number). If you are not a member of a rewards program, but are receiving notices about one, it’s a scam.

What to do: Do not reply to messages or click on any links. If you believe you may be due rewards points or credits, log into your account directly or contact the program’s customer service line on a trusted number.

Scams Reported by Businesses in 2023

168 of the 3213 scams reported to the Consumer Assistance Program (CAP) were submitted by Vermont businesses.  

The 5 most common scams for businesses include: Imposters of business personnel, fake orders of goods or services, business identity theft, businesses phone numbers being hijacked or spoofed, and phishing emails contacting businesses.

The top scam for businesses to look out for is the Imposter of Business Personnel aka the Business Email Imposter Scam:

The scam: Scammers impersonate employees or familiar business representatives’ emails and contact company bookkeepers and office administrators asking them to change bank account information, direct deposit information, or asking them to write checks. By impersonating an employee’s email address or creating a fake personal email for the employee, scammers can steal money from businesses and steal paychecks from employees.

How to spot: Scammers will use an email address that only slightly varies from an employee’s true email and can be difficult to spot when using a mobile device. Be suspicious of emails coming from outside your company’s domain. The sender will refuse to connect on a live call due to being preoccupied (in a meeting, no cell service, very busy).

What to do: Vermont businesses and non-profits should always verify email addresses and speak directly with an employee or business representative in person or via phone when sending money or changing payment information. CAP urges business owners to educate their entire company on scams that target businesses.

To learn more about how to protect your business from these scams, watch CAP’s Avoiding the Business Imposter Email Scam Video  and visit the CAP Connections blog post on Vermont Business Imposter Email Scams Are on the Rise.

CAP encourages businesses in Vermont to take the following steps to help prevent scams:

Train Your Employees: Your best defense is an informed workforce.

Verify Invoices and Payments: Check all invoices closely. Never pay unless you know the bill is for items that were actually ordered and delivered. Tell your staff to do the same.

Be Tech-Savvy: Don’t believe your caller ID. Imposters often fake caller ID information so you’ll be more likely to believe them when they claim to be a government agency or a vendor you trust.

Know Who You’re Dealing With: Never send money to parties you cannot verify. Check registration history, recommendations, and confirm contacts by calling. Before doing business with a new company, search the company’s name online with the term “scam” or “complaint.”

Help Stop Scams Now!

Closing out National Consumer Protection week, a week dedicated to understanding consumer rights and avoiding scams, it is fitting to highlight the Stopping Scams Together initiative announced this week by the Vermont Attorney General. The effort encourages our community of Vermonters to identify scams and share success stories of stopping scams together. Many Vermont partners and individuals are already doing the work to understand scams so that they can help in the prevention effort.  

Stopping Scams Together - #StopScamsVT - With trophy graphic on blue-green background
Share stopping scams stories on social.

You can help stop scams by learning about scams and sharing information with your community. To start learning about scams today, visit our blog, sign up for scam alerts, connect on social media (Facebook, Twitter, Instagram, YouTube), watch and share our imposter scam prevention videos, and practice the SLOW method in all consumer transactions. Visit the Scam Prevention Through Awareness and Education page for detailed scam prevention strategies.  

Are you, or do you know someone who has a stopping scams story? Share your story and your good news of stopping a scam today. Learn more on the Stop Scams VT webpage. There you can access a stopping scams graphic that you can use when sharing your stopping scams stories. Or, we will she your story for you, if you fill out our intake form

To keep Vermont safe from scams, we must continue to work together.