Top Holiday Scams Targeting Michigan Residents

The holiday season should be a time of joy, celebration, and connecting with loved ones. Yet every year many Michigan residents find themselves dealing with scams that take advantage of the fast pace and increased spending that come with November and December. Criminals know people are distracted, shopping online more often, and responding quickly to messages about packages and holiday deals. By understanding the tactics used in today’s most common holiday scams, you can stay one step ahead and keep your personal and financial information secure.

Fake online stores designed to steal your information

Some scammers build professional looking websites that mimic real retailers and advertise holiday discounts that are nearly impossible to resist. After completing a purchase customers receive nothing or sometimes a low-quality product that does not match what was advertised. Always research unfamiliar stores read reviews and double check the site’s security before entering any payment information.

Phony shipping alerts and tracking messages

Because so many Michigan households rely on package deliveries in December, scammers send out fake tracking notices through email and text. These messages often claim there is a problem with a delivery and urge you to click a link. If you receive a shipping notice you were not expecting, go directly to the carrier’s website and enter your tracking number instead of using the link provided.

Scammers demanding gift card payments

Gift card scams spike during the holidays because cards are easy to buy and nearly impossible to trace. Criminals may pretend to be a business, an employer, or even a family member and insist that gift cards are required for urgent payments. No legitimate organization will ever request payment this way so slow down and verify any unexpected request.

Charity scammers posing as local organizations

Michigan communities are known for supporting charitable causes especially around the holidays. Unfortunately, scammers take advantage by creating fake charities and sending emotional appeals through email phone calls and social media. Before giving, check the organization’s name with official charity listings and make sure you are donating through a trusted site.

Deceptive social media ads and holiday giveaways

Fraudulent ads and posts often appear on social media during December promising huge discounts or offering free gifts. These scams sometimes trick users into sharing personal details or clicking links that lead to harmful sites. Verify social media promotions through a company’s official website before entering information or participating.

Porch pirates taking advantage of holiday deliveries

Package theft increases sharply during December when homes receive multiple deliveries in a single day. Thieves may follow delivery trucks or watch neighborhoods for unattended boxes. Using delivery lockers requesting signature confirmation or coordinating with neighbors can help ensure your packages stay safe.

Travel scams targeting holiday plans

Scammers commonly promote fake holiday travel deals including vacation rentals or airline packages that are significantly cheaper than competitors. Once the payment is submitted the listing disappears. To avoid falling victim book travel through reputable sources and confirm that rental properties exist before sending money.

Staying safe throughout the season

Holiday scams evolve every year but staying informed can help prevent major problems. Take time to review unexpected messages think twice before clicking links and use trusted retailers and charities whenever possible. If you believe you have encountered a scam or notice any unusual activity on your accounts, contact your Commercial Bank branch right away for guidance and support.