Officials with the United States Postal Service (USPS) have issued timely warnings to consumers during the holiday season about potential risks of using the iconic "Big Blue" mailboxes on weekends. With the increase of thefts reported from these boxes, particularly around gift-giving occasions, users are being advised to rethink their mailing habits.
The key concern lies in the fact these mailboxes are not regularly emptied over the weekend. Over typical weekends or holiday weekends, mail can remain securely inside the box for over 48 hours, making it susceptible to thieves searching for cards containing cash and other valuables. Postal employees conduct their rounds during normal business hours throughout the week, which translates to increased vulnerability for mail deposited after business hours or on weekends.
To safeguard against mail theft, postal officials suggest instead of using the "Big Blue" mailboxes during weekends, customers should drop their mail directly at the post office. This not only ensures the mail is collected immediately but also takes advantage of the security measures, including surveillance cameras at most Post Offices, which operate 24/7.
If individuals suspect their mail has been stolen, USPS encourages them to report it either by contacting their local post office or the postal inspector through (877) 876-2455 or by visiting uspis.gov. They can also file complaints with the Federal Trade Commission (FTC), which tracks data on instances of mail and identity theft, and it is advised to issue fraud alerts through consumer reporting agencies to protect personal financial information.
Meanwhile, on the other side of the financial warning spectrum, Lloyds Bank has recently raised alarms for consumers during the January sales, highlighting the increase of online shopping scams. The bank reported a staggering 140 percent surge in rogue retailers compared to the monthly average throughout the year, capitalizing on consumers eager to score post-Christmas discounts.
Lloyds estimates its customers have been hit hard, losing on average £545 each to online scams, particularly those involving counterfeit websites promising goods never delivered. This year has also seen significant disruptions, as the bank recorded a 40 percent increase in disputes related to credit card transactions, directly connected to these online scams.
The timing is particularly troubling, as January typically sees consumers hunting for discounted items, especially apparel and jewelry. Lloyds' analysis indicates fraudulent retailers have collectively caused losses amounting to £8.5 million just between January and November of 2024. The bank has advised clients to be on high alert, especially with promotions appearing on social media platforms.
Gavin Evans, the senior manager for consumer cards at Lloyds, commented on the heightened risk users face during this shopping season. He emphasized, "The January sales can be a good time to grab bargains, but it’s also prime time for unscrupulous retailers. To avoid falling prey, verify the web address before making a purchase to make sure it’s legitimate. Remember, if it seems too good to be true, it usually is."
Evans urged consumers to take diligent steps before finalizing online purchases to protect themselves against these scams. Simon Forbes, Divisional President at Mastercard for the UK and Ireland, echoed his sentiments, noting the importance of thorough checks on sellers. "Scrutinize who you are buying from, be cautious of offers significantly cheaper than elsewhere, and report any suspicious transactions immediately to your bank," Forbes stated.
For those who have already been duped, Lloyds has outlined steps for recourse. Victims are encouraged to reach out directly to the retailer, explaining the situation. If there’s no response or refusal to issue refunds, those affected should report the transaction through their banking service—most banks, including Lloyds, now support online transaction reporting through their mobile apps.
Specifically, users can initiate chargeback claims for transactions made using credit cards issued by Mastercard, Visa, or American Express, by providing necessary transaction details, including the retailer's name, transaction date, and amount, along with specific descriptions of what went awry with the ordered item.
These revelations bring attention to the urgent need for consumers to be vigilant against scams, whether through the mail or online marketplaces. The holiday season and the rush for January bargains intensify the threat, and consolidative efforts by financial institutions and postal services alike are imperative to both inform consumers and provide recourse for victims of fraud. Being proactive and safeguarding personal information is the best defense against falling victim to these crimes.