12/15/2023 (Updated: 2/3/2026) - Personal Banking
It only takes a few clicks on your laptop or phone to find the perfect winter boots, football jersey or new dining table. Those clicks can also lead you to a harmful website designed to steal your credit card information, conduct identity theft, or sell you a product you never receive.
The Federal Trade Commission reports nearly 88,000 cases of online shopping and negative review scams in 2025 nationwide.
We’ve outlined some best practices to help you avoid online shopping fraud.
Be on the lookout for these red flags, especially when shopping on social media:
If you’re shocked by the price of that designer handbag, consider it a red flag. The Facebook ad may look convincing, but scammers may be selling you a fake or plan to charge your credit card without sending you the item.
Not every scam revolves around credit or debit cards. Some fake shopping websites may ask for a wire transfer or online funds transfer to complete the purchase. Be wary if the seller isn’t allowing you to pay through secure methods.
Is that low price because the item is damaged or open box? Understand what you’re purchasing before spending, especially if it’s expensive technology that may be refurbished.
Social media ads are abundant, especially on Facebook and Instagram. If you visit an Instagram profile from an ad, pay close attention. Is the page brand new but has amassed hundreds of followers? Are there any privacy or contact details for the store? Check the tagged photos for anyone who posted about being scammed and tagged the profile.
If a company is scamming people with inferior products or fraudulent charges, chances are that a victim has reported them to a consumer protection agency.
You can also Google the name of the store or brand along with the word ”scam” or ”fraud” to see if other consumers have filed fraud reports.
It’s wise to be cautious when you’re shopping from an online retailer that’s outside of the major brands. There are factors to look for that can help you determine if a store and its products are legitimate.
You can also use the Better Business Bureau’s online retailer search tool to learn more about a business before you buy.
It’s good practice to use a credit card when shopping online. You may be charged twice by a scammer or never receive your item. Paying by credit card allows you to dispute the charge with your credit card company.
You’ve waited months to receive an item that never arrives or you notice unusual activity on your debit or credit card. What should you do next?
In observance of Veterans Day, SouthState locations will be closed on Wednesday, November 11. SouthState Customer Care will be open 8 a.m. - 5 p.m. ET. Transactions initiated or scheduled on a holiday are processed the next business day.