Online shopping has become increasingly popular in recent years, but unfortunately, there are risks involved. From receiving the wrong product to being scammed, consumers can face a variety of issues when shopping online. If you find yourself in this situation, there are steps you can take to protect yourself.
Firstly, if you did not receive the product you ordered or did not accept it, and the company is not refunding your money, you can dispute the charges. Federal law also protects you from paying for products you never ordered. If this happens, the federal government considers it a gift that you do not have to pay for. You also have the right to dispute charges on your credit card if there are problems with your purchase.
To help prevent these issues, it’s best to research the company before making a purchase. Check online reviews and complaints to see what other customers have experienced. It’s also essential to check the seller’s refund and return policies, as dishonest sellers may use tricky disclosures and fine print to deny refund requests.
When making an online purchase, try to use a credit card if possible. Credit cards offer the most protection against fraud compared to other payment methods. Additionally, always save your receipts and confirmation emails, as they can help you get your money back from the seller or file a dispute with your credit card company.
If you suspect a scam or have fallen victim to one, report it to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov. In 2022, online shopping scams were the second-most reported type of scam to the FTC. By being vigilant and taking steps to protect yourself, you can reduce the risks associated with online shopping.
