How can I protect myself when buying online?

Girl, online shopping is AMAZING, but let’s be real, it can be a total minefield! Here’s how to snag those killer deals without getting scammed:

Fighting Phishing & Cyber-Scams: The Ultimate Guide for Shopaholics

Only use YOUR devices: Don’t shop on public computers – your passwords could be stolen faster than you can say “free shipping!”
Virus protection is non-negotiable: Think of it as the ultimate fashion accessory for your digital life. A good antivirus program is like a bodyguard for your data.
Stick to reputable websites: Look for the padlock icon (HTTPS) in the address bar. It’s like a VIP pass to a secure shopping experience. And don’t be afraid to check online reviews! A bad reputation is a huge red flag.
Master the art of secure payments: PayPal, Apple Pay, Google Pay – they’re your secret weapons against fraud. These services add layers of protection between you and your credit card details.
Dedicated shopping card: This is a game-changer! Get a prepaid card or a credit card specifically for online shopping. This way, if something goes wrong, you’re only risking the money on that card, not your entire bank account.
Personal info is sacred: Never, ever share your full credit card number, CVV, or social security number unless you’re on a super secure checkout page. If a site asks for too much info upfront, it’s a major red flag.

Bonus Tip! Check your bank and credit card statements religiously. It’s like a post-shopping spree haul review, but for your finances. Spotting unauthorized charges early is key.

Use strong passwords: Think of it like choosing the perfect outfit for your digital identity. Mix up uppercase, lowercase, numbers, and symbols—the more unique and complex, the better. Use a password manager if you struggle to remember them.
Enable two-factor authentication (2FA): This adds an extra layer of security, like a secret knock to gain access to your accounts. It’s like having a bodyguard for your accounts.

How can I protect myself when paying online?

Online shopping security is paramount, and SSL encryption is your first line of defense. Look for that green padlock in your browser’s address bar; it signifies an encrypted connection, ensuring your payment information remains confidential between your browser and the retailer’s server, shielded from prying eyes. This secure connection prevents malicious actors from intercepting sensitive data during transactions.

Beyond the Padlock: Proactive Security Measures

Check the URL: Before entering any sensitive information, double-check the website address for accuracy. Beware of phishing sites mimicking legitimate online stores.
Use Strong Passwords: Employ unique, complex passwords for each online account, combining uppercase and lowercase letters, numbers, and symbols. Consider a password manager to help you manage these securely.
Enable Two-Factor Authentication (2FA): Wherever possible, activate 2FA for an extra layer of security. This typically involves a code sent to your phone or email, adding an extra step for unauthorized access.
Monitor Your Accounts Regularly: Check your bank and credit card statements frequently for any suspicious activity. Report unauthorized transactions immediately.

Saved Payment Methods: Convenience and Security?

While saving your card details for faster checkout is convenient, weigh the pros and cons carefully. Reputable retailers typically employ robust security measures, but the risk of a data breach, however small, always exists. Consider using a virtual card or a service that generates temporary card numbers for online transactions.

Virtual Cards: These provide a temporary card number linked to your existing account, offering a layer of protection. If compromised, only the virtual card is affected.
Temporary Card Numbers: Services like these generate unique card numbers for each online transaction, offering enhanced security.

What is the most common type of fraud?

While we typically associate tech with scams involving phishing emails or malware, a surprisingly prevalent and low-tech fraud remains incredibly effective: counterfeit cash substitution.

This simple method involves replacing genuine banknotes within a stack with counterfeit ones. Often, the perpetrators place real bills at the top and bottom, concealing fake bills or even just plain paper in the middle. This tactic relies on the victim’s lack of thorough examination.

How technology can help mitigate this:

UV and infrared detectors: Many smartphones now include features that can detect counterfeit bills using their built-in camera. Several dedicated apps also offer this functionality, providing an extra layer of security.
Cash-handling machines: Businesses, especially those dealing with large sums of cash, can invest in sophisticated currency counters that automatically detect counterfeit notes. These machines utilize various technologies like image recognition and magnetic detection.
Smart safes: Modern safes often include features that enhance security beyond simple locking mechanisms. Some models can track access attempts and provide alerts if unusual activity is detected. This can indirectly help deter cash-based fraud.

Tips to avoid becoming a victim:

Always thoroughly inspect banknotes, paying close attention to the texture, watermark, and security features.
Use available technological tools to verify the authenticity of cash received.
Be cautious when accepting large stacks of cash from unknown individuals or in suspicious circumstances.
Consider using digital payment methods whenever possible to minimize the risk of counterfeit cash.

While tech offers innovative solutions for combating various types of fraud, remembering the basics and staying vigilant against simple, yet effective schemes remains crucial in safeguarding your finances.

How can I make online purchases without being scammed?

OMG, online shopping is the BEST, but yeah, gotta be smart about it! Fake websites are EVERYWHERE, so always check the URL – look for “https” and a padlock symbol. Seriously, don’t click suspicious links in emails either. Stick to big, reputable sites you know and trust – like, Amazon, Nordstrom, Sephora… you get the idea. Read reviews, tons of them! If a deal seems TOO good to be true, it probably is.

And seriously, avoid those pushy sellers who demand immediate payment via Zelle, Venmo, Cash App – total red flag! Those apps are great for friends, not random online vendors. Use trusted payment methods like PayPal or your credit card – they offer buyer protection! If something goes wrong, you can dispute the charge. Always check your bank and credit card statements regularly.

Secret tip: Before buying anything super expensive, do a Google image search of the product. See if the same images pop up on other sites. If the pictures are only on this one shady website, RUN! And always, always read the return policy – you don’t want to be stuck with a dud!

Pro-shopper advice: Sign up for price-tracking tools! Websites and browser extensions will alert you when prices drop on items you’ve been eyeing. It’s like magic – plus, you’ll snag better deals.

How can I know if an online store won’t scam me?

Okay, so you wanna avoid getting scammed online? Girl, I’ve been there! Here’s the lowdown on spotting fakes:

Domain Name Deception: Does the URL look *suspiciously* similar to a legit site? Like, one letter off? Red flag! They’re trying to trick you.
Prices Too Good to Be True: If it’s a Chanel bag for $20, honey, it’s a fake. Seriously. Deep discounts should raise your eyebrows. Legit sales usually have limits.
Prepayment to a Random Person: Never, ever pay a private individual directly. Use secure payment methods offered by the website itself – PayPal, Apple Pay, credit card with buyer protection, etc.
Snail Mail Only?: Most reputable online stores offer multiple shipping options. If it’s *only* postal mail, they’re probably hiding something (like a P.O. Box in a country where you’ll never get your money back!).
Contact Info MIA?: No phone number, email address, or physical address? Run, don’t walk! This is a major red flag.
Review-Free Zone: No customer reviews? That’s a huge warning sign. Fake reviews are a problem, but the *absence* of reviews is even worse.
Description Disaster: Vague descriptions, typos galore, and inconsistent information? Amateur hour. Legit retailers take pride in detailed product information.
Blurry Photos: Pixelated or blurry images? They’re likely hiding flaws, or even worse – the item doesn’t exist. Always ask for additional photos!

Pro Tip: Use Google’s reverse image search to check if the product photos appear on other websites. This helps identify stolen images commonly used by scammers.

Check the “About Us” page: A legitimate store will have a detailed “About Us” section with information about their company, location, and contact details.
Look for a Secure Checkout: Make sure the website uses HTTPS (the padlock icon in the address bar) and has a secure checkout process.
Read the return policy carefully: A fair return policy is a sign of a reputable seller. Pay close attention to the terms and conditions.

Remember: If something feels off, trust your gut. It’s always better to be safe than sorry when shopping online!

Is it safe to shop online?

Online shopping is, for the most part, safe. However, it’s not the platforms themselves, but user behavior that creates vulnerabilities. Cybercriminals prey on unsuspecting shoppers, relying on their unfamiliarity with phishing scams and other online threats. My extensive experience testing various e-commerce platforms has revealed key areas of concern. Understanding these risks is crucial for safe online purchasing. For example, always verify website security (look for “https” and a padlock icon in the address bar). Be wary of unsolicited emails or links promising incredible deals – these are often phishing attempts designed to steal your personal data. Furthermore, only shop on reputable websites with established security protocols. Regularly review your bank and credit card statements for unauthorized transactions. Remember, vigilance is your best defense. A strong password, coupled with multi-factor authentication whenever possible, provides an additional layer of security. Consider using a virtual private network (VPN) for enhanced privacy while browsing and shopping online. Finally, always be cautious about sharing personal information unnecessarily. By employing these security measures, you can significantly mitigate the risks associated with online shopping and enjoy a safe and secure experience.

What is the safest way to pay for online purchases?

OMG, online shopping is my life! But security is KEY, right? So, here’s my totally foolproof (almost!) guide to safe online payments:

Stick to reputable stores ONLY! I mean, check those reviews like a hawk. Five stars or bust, baby! Think of it as pre-shopping therapy – the thrill of the hunt without the risk.

Give them only what they NEED. Don’t be a data-sharing superhero. They need your card details? Fine. Your life story? Nope. Less info = less drama.

Pay directly on the website. Avoid those third-party payment links that look…suspicious. If it seems sketchy, it probably is. Trust your gut (and my advice!).

Keep those receipts! Digital ones are fine – just make sure you’ve got proof of purchase. It’s like a digital treasure map to a fabulous new outfit!

Don’t be afraid to contact the store! If something feels off – a delayed shipping, an incorrect charge – hit them up ASAP. The quicker you act, the quicker you get your happy mail.

Chargeback is your BFF. (But try to avoid it!) If all else fails, your bank is your safety net. It’s a last resort, but remember that the little card fairy won’t always wave her magic wand for instant refunds. Don’t be afraid to use this safety net when needed!

Pro tip: Look for the padlock symbol (https) in the address bar. It’s like a secret online shopping club badge – a sign that your info is encrypted. Bonus points if the site uses something like Verified by Visa or Mastercard SecureCode!

Another pro tip: Use a separate credit card for online purchases. It’s a bit like having a secret shopping fund – you’ll easily track your expenses and it offers better protection than using your main card. Less heartache when things get wonky!

What should I do if I was scammed in an online purchase?

Got scammed buying gadgets online? Don’t panic! Your first step is to immediately contact your bank or payment provider. Report the fraudulent transaction and inquire about a chargeback. Providing them with all the necessary details is crucial for a successful claim.

Gather your evidence: This includes screenshots of the listing, order confirmation (if any), communication with the seller, and any tracking information (if available, though often missing in scams).

Understanding Chargebacks: Chargebacks aren’t guaranteed, and success depends on several factors, including your payment method and the evidence you provide. Credit card companies generally offer better chargeback protection than debit cards or other payment services like PayPal.

Preventing Future Scams:

Stick to reputable marketplaces: Avoid obscure websites; prefer established platforms with buyer protection programs.
Check seller reviews carefully: Look for patterns of negative feedback indicating scams or poor service.
Use secure payment methods: Credit cards offer better fraud protection than direct bank transfers.
Be wary of deals that seem too good to be true: Extremely low prices are a major red flag.
Verify seller contact information: Be suspicious of vague or untraceable contact details.

Types of Online Gadget Scams:

Fake listings: Products advertised at unbelievably low prices that don’t exist.
Counterfeit products: Receiving a cheap imitation instead of the genuine article.
Phishing scams: Tricking you into revealing your payment details on fake websites.
Advance-fee fraud: Requiring upfront payment before shipping, with no actual delivery.

Reporting the Scam: Besides contacting your bank, report the incident to the relevant authorities (e.g., your local consumer protection agency or the Federal Trade Commission in the US). This helps protect others from falling victim to the same scam. The more information you provide, the better.

How can I safely make online purchases?

Online shopping safety is paramount. Strong, unique passwords are essential; avoid reusing passwords across different sites. Always use a VPN when connecting to public Wi-Fi to encrypt your data and protect against man-in-the-middle attacks. Consider avoiding direct bank card linking to online accounts; instead, utilize payment services like Yandex Pay or PayPal which offer an extra layer of security. Dedicated online shopping credit cards provide an additional buffer; if compromised, the impact is limited to the balance on that specific card.

Further enhance security by regularly checking your bank and credit card statements for unauthorized transactions. Be wary of phishing emails and suspicious links; verify the legitimacy of websites before entering personal information. Look for website security indicators like “https” in the URL and a padlock icon in the address bar. Shopping on well-established and reputable platforms reduces risk significantly. Enable two-factor authentication (2FA) wherever available; it adds a crucial extra step to verify your identity.

When shopping on less familiar sites, review online reviews and ratings to gauge their trustworthiness. Understand the return policy before purchasing to protect yourself against unsatisfactory products or services. Be mindful of overly-good deals, which can be a red flag for scams. Finally, be cautious of unsolicited messages promoting special offers or discounts; verify their authenticity directly through the official website.

What are the signs of online fraud?

Online scams often exhibit several telltale signs. Poor grammar and spelling are a major red flag, suggesting a lack of professionalism and potentially a hastily created scam. A sense of urgency, pressuring you to act quickly without thinking, is another common tactic. Legitimate businesses rarely demand immediate action. Be wary of requests for personal information, especially passwords, banking details, or social security numbers. No legitimate organization will request this information unsolicited. Unbelievably good deals, far exceeding market value, are usually too good to be true – a classic scam lure. Unexpected calls or emails from unknown numbers or addresses should be treated with extreme suspicion. Researching common online scams proactively is crucial; familiarizing yourself with prevalent techniques helps you identify potential threats more effectively. Remember, thorough due diligence and a healthy dose of skepticism are your best defenses against online fraud. Never rush into transactions; take your time to verify information and check the legitimacy of the sender before engaging.

Consider these points as you evaluate online transactions: Always independently verify the website’s legitimacy, look for secure connections (HTTPS), check online reviews from multiple sources, and be cautious of websites with unusual URLs or overly enthusiastic testimonials. While testing various online services, I’ve learned that authentic businesses generally prioritize clear communication, transparency, and secure payment methods. If something feels off – trust your instincts. Your gut feeling is often a powerful indicator of potential risk.

How can I avoid becoming a victim of fraud?

OMG, protecting your precious plastic is SO important! Think of all those amazing sales you could miss if your card gets compromised! So, here’s the lowdown on staying safe while shopping till you drop:

Never, ever, EVER share your PIN. Seriously, it’s like giving away the key to your fabulous shoe collection – you don’t want anyone else having access!

Only use ATMs that look legit. If something feels off – dodgy lighting, weird people lurking around – just move on. There are plenty of other ATMs where you can snag that cash for your next shopping spree.

Instant card block! If your card goes missing, act FAST! Report it immediately – the faster, the better chance of protecting your hard-earned cash (and those killer heels you have your eye on).

Don’t be a victim! Be aware of your surroundings, especially in crowded areas. Keep your card close and NEVER hand it to waiters or shop assistants – they can swipe your info faster than you can say “sale!”.

Store your cards in a secure place, like a stylish, RFID-blocking wallet – that’s a must-have for any savvy shopper! That way, even if someone gets close, your card details are safe. Think of it as an investment in your fabulous shopping future.

How can I tell if an online store is legitimate?

Want to make sure that online store selling that killer new gadget is legit? Here’s how to verify a Russian online retailer using the Federal Tax Service (FTS) website:

Step 1: Navigate to the FTS website. You’ll need to find their section dedicated to electronic services. This usually involves a search or clicking through a menu – the exact path depends on the website’s design.

Step 2: Locate the “Check Yourself and Your Counterparty” section. This is crucial for verifying the store’s registration.

Step 3: Enter the company’s TIN (INN) or OGRN (State Registration Number) in the provided field. These numbers uniquely identify Russian legal entities. You can usually find these on the store’s “About Us” or “Contact Us” page – look for legally mandated disclosures. Double-check for typos, as even a small mistake will lead to incorrect results.

Step 4: Enter the CAPTCHA or security code. This prevents automated checks and helps ensure the accuracy of your results.

Step 5: Click “Search”. The FTS will then return information about the company. Match the returned information with the store’s website details (address, name, etc.). Discrepancies should raise a red flag. Remember that the absence of information doesn’t automatically mean the store is a scam, but it definitely warrants further investigation.

Important Considerations: While this method verifies the legal existence of the company, it doesn’t guarantee their trustworthiness in terms of customer service, product quality, or delivery. Always read online reviews, look for secure payment options (HTTPS), and consider using a credit card with purchase protection.

What is the safest way to pay online?

There’s no single “safest” online payment method, but some are definitely more secure than others. As a frequent online shopper, I’ve found that credit cards, debit cards, and digital wallets offer a good balance of security and convenience.

Credit Cards offer strong buyer protection under laws like the Fair Credit Billing Act. If something goes wrong, you can dispute the charge and often get your money back.

Debit Cards are linked directly to your bank account, so losses can impact your funds more directly. Using them requires extra vigilance. Consider enabling transaction alerts.

Digital Wallets (like PayPal, Apple Pay, Google Pay) add an extra layer of security. They don’t directly share your financial details with the merchant, reducing the risk of data breaches. However, ensure your wallet itself is secured with a strong password and multi-factor authentication.

Virtual Cards/Temporary Cards are excellent for one-time purchases, significantly reducing risk. They offer a dedicated card number for a single transaction, so even if that merchant is compromised, your main card remains unaffected.

Traditional Bank Transfers (ACH) are generally secure for established relationships but offer less buyer protection compared to credit cards if something goes wrong. Stick to trusted vendors for this method.

Things to always do:

Use strong, unique passwords for all online accounts.
Enable two-factor authentication (2FA) whenever possible.
Shop on secure websites (look for “https” in the URL and a padlock icon).
Check your bank and credit card statements regularly for unauthorized activity.
Be wary of phishing scams and never click on suspicious links.

Ultimately, the safest method depends on your individual risk tolerance and spending habits. Diversifying your payment methods can also be a smart strategy.

What should I do if I think I placed an order on a fake website?

Think you’ve ordered from a fake website? Don’t panic, but act quickly. First, jot down the website address – this is crucial for reporting. Then, close your browser immediately to prevent further potential compromise. Avoid clicking any links or responding to any communications from the site.

Next, report the incident to Action Fraud (or your country’s equivalent fraud reporting agency). Providing them with the website URL, any screenshots you may have taken, and details of the transaction (order number, payment method, amount) will help them investigate. This information is vital to potentially recovering your money or preventing others from falling victim.

Contact your bank or credit card company as soon as possible. Explain the situation and provide them with the website address and transaction details. They can flag the transaction as suspicious and potentially initiate a chargeback, recovering your funds.

Pro-tip: Before making any online purchase, especially from unfamiliar websites, check the site’s security. Look for “https” in the URL and a padlock icon in the address bar. Verify the website’s legitimacy by searching online reviews and checking for contact information. A lack of transparent contact details is a huge red flag. Also be wary of websites with poor grammar, misspellings, or unusual domain names. Finally, consider using a credit card instead of a debit card for online purchases, as credit card companies generally offer stronger buyer protection.

Remember, prevention is key. Be vigilant when shopping online and don’t hesitate to report suspicious activity. Your quick action can save you from significant financial losses.

Which online shopping websites are the safest?

When it comes to secure online shopping, Amazon consistently ranks highly. Their robust security measures, including the mandatory two-factor authentication for many users (a crucial element often overlooked by competitors), provide a significant layer of protection against unauthorized access and fraudulent activity. My extensive product testing has consistently shown Amazon’s commitment to user safety.

Another reputable option is QVC. While perhaps not as feature-rich in security as Amazon in terms of authentication options, their use of HTTPS encryption, password guidelines, and security questions adds considerable protection. However, remember that no system is impenetrable. Regularly updating passwords and exercising caution with phishing attempts remains crucial regardless of the platform.

Beyond specific sites, always check for the HTTPS padlock in your browser’s address bar before entering any personal information. This indicates a secure connection. Additionally, be wary of overly enticing deals or unfamiliar websites. Legitimate retailers rarely offer discounts that seem too good to be true. Thorough research and a cautious approach are your best defenses against online shopping scams.

How can you tell if you’re being scammed?

Spotting a Scam: A Consumer’s Guide

Nine key indicators scream “scam”: Unknown numbers (landlines or mobiles) initiating contact is a major red flag. High-pressure tactics, demanding immediate action without allowing reflection, should raise suspicion. Emotional manipulation and scare tactics are classic scam techniques. Requests for card details or SMS codes are an immediate deal-breaker; never share this information unsolicited. Promises of effortless financial gain are too good to be true. Sudden win notifications, out of the blue, almost always signal a fraudulent attempt. Finally, an inability to answer basic questions about their offer signifies a lack of legitimacy and should be taken seriously.

Further considerations: Scrutinize unsolicited emails and messages carefully. Verify the sender’s identity through official channels before engaging. Legitimate organizations rarely contact individuals randomly to request personal information. Remember, if a deal feels too good to be true, it probably is. Report suspected scams to the appropriate authorities.

What needs to be done to eliminate fraudsters forever?

OMG, scammers! They’re the *worst* kind of sale I *never* want to buy into! So, how to avoid these fashion disasters? Think of it as a serious shopping spree, but with your money’s safety as the ultimate designer label.

First, vet those brands!

License check: Is this company legit? Like, *really* legit? Make sure they’re officially registered – don’t fall for those knock-offs! Check the regulator’s website, honey, it’s like the ultimate fashion police for finance. You wouldn’t buy a fake Gucci, right? This is the same deal.
Registry check: Hit up the national business registry. It’s the ultimate background check for those “companies”. It’s your pre-shopping research, darling!

Before you swipe that card…

Demand samples! Ask for contract samples. It’s like inspecting a garment before buying – you wouldn’t buy a dress with a rip in it, would you? Make sure everything is as described. Examine every detail!
Document copies: Request copies of important documents. This is your insurance policy, darling! It’s crucial. Treat it like the warranty card to your designer handbag.

Bonus tip: Don’t trust *anyone* who promises impossibly high returns or pushes you to invest immediately. That’s a total red flag – a fashion faux pas of epic proportions! Always take your time. Shopping should be fun, not a frantic rush into debt.

What are the current methods of fraud?

Scammers are constantly evolving their tactics, so staying informed is crucial. Here are some prevalent methods and how to protect yourself:

Phone Scams: These range from impersonating authority figures (police, banks) demanding immediate payment to sophisticated social engineering schemes preying on emotions.

SMS Phishing: Messages pretending to be from trusted sources (banks, delivery services) often contain links to malicious websites or requests for personal information. Never click links in unsolicited texts.

Phone Viruses/Malware: Downloading apps from untrusted sources or clicking malicious links can install spyware that steals your data, including banking credentials. Always download apps from official app stores and be wary of unsolicited calls offering technical support.

Fake Lottery Wins/Prizes: These scams lure victims with promises of large sums of money in exchange for upfront fees or personal details. Legitimate organizations never ask for payment to claim a prize.

Simple Code Scams from Carriers: Beware of unexpected codes from your carrier, often disguised as account verification. Never enter codes received unsolicited.

Fake Fines/Disconnection Threats: Scammers threaten to disconnect your services or levy fines unless you pay immediately. Always contact your provider directly to verify.

Erroneous Bank Transfers/Refunds: Be cautious of unexpected payments or requests to return money. These may be attempts to launder money, involving you inadvertently.

Protecting Yourself: Never share personal information unsolicited, verify requests with official channels, use strong passwords, keep your software updated, and be extremely skeptical of unexpected communications offering something too good to be true. Strong security practices are your best defense.

What is the best way to avoid fraud?

Staying safe from scams in the digital age requires vigilance, especially when dealing with online transactions and unknown entities. The best defense is a multi-layered approach combining caution and technological awareness.

Never share financial details or sign anything before verifying identities. This includes checking the legitimacy of websites, phone numbers, and email addresses. Look for secure connections (HTTPS) and verified business details. Legitimate companies will readily provide this information.

Avoid untrusted parties and unfamiliar payment methods. Stick to established and reputable payment gateways and only deal with individuals or businesses you can verify. If a deal feels too good to be true, it probably is. Never rush into a transaction.

Understand phishing and smishing tactics. Phishing emails and smishing text messages often mimic legitimate communications, attempting to steal your personal information. Be wary of unsolicited requests for your bank details, passwords, or credit card numbers. Never click on links in suspicious emails or texts.

Use strong passwords and multi-factor authentication (MFA). This adds an extra layer of security to your online accounts, making it significantly harder for fraudsters to access your information, even if they obtain your password. Employ unique and complex passwords for each of your online accounts.

Keep your software updated. Regularly updating your operating system, apps, and antivirus software helps patch security vulnerabilities that scammers could exploit. This includes keeping your gadget’s firmware up to date.

Be aware of social engineering. Scammers often use psychological manipulation to trick you into revealing sensitive information. Never disclose your banking or personal information unless you’ve initiated the contact and are certain of the recipient’s identity.

Red Flags: Urgent requests, pressure tactics, unusual payment methods, requests for personal information over email or phone, grammatical errors in communications.
Verification Steps: Independently research the company or individual online; search for reviews and complaints; contact the company directly via their official website or phone number listed on their website to confirm the legitimacy of a communication.