The out-of-stock purchase scam is simple: After you buy a product online, scammers send you a notification that said item is no longer available, cancel your order, and tell you that you'll get your money back. Obviously, the refund never arrives, and no one ever responds to further inquiries.
These fake purchase schemes may have the usual red flags, like prices that are too good to be true, especially those promoted on social media. Personalized items are ripe for scams, as are hard-to-find products or collectibles. If you find an amazing deal from a company or seller you don't recognize, search the name with "scam" and read reviews on Google and Reddit to identify patterns of suspicious activity (or poor-quality products).
Shop with a credit card
Shopping scams are a good reason to use a credit card for online purchases, as they offer protection against fraudulent charges. If you don't receive a refund from a seller, you can file a chargeback—while this isn't as simple or swift a process, it is likely you'll get your money eventually.
Always keep receipts, order confirmations, and any communication with sellers in case you need to make a claim for a scam purchase.
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