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Steps to protect yourself while shopping on your phone this holiday season

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Steps to protect yourself while shopping on your phone this holiday season

The holiday season is the best time of the year. Many of us spend quality time with our families, enjoy delicious food and even go on vacations. For many, it’s also a time to indulge in shopping. And why not? This is when you find the best deals on your favorite products, whether it’s a new electronic gadget or a household essential.

However, the holiday season also comes with an increased risk of mobile fraud while shopping online. Scammers often target online shoppers in more ways than you might imagine. Fortunately, with some awareness and precautions, you can protect yourself. Below, I’ll discuss the rise in mobile shopping scams and how you can stay safe.

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A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

The rise in mobile fraud

According to Appdome’s latest U.S. Consumer Survey, 60.6% of Americans say fraud is their biggest concern. More than 40% of global consumers reported that they or someone close to them had been directly affected by mobile fraud, malware or a cyberattack. With mobile apps now being the main way people interact with brands, skepticism among users is growing. In fact, 24% of consumers believe developers don’t care about app security, a massive jump of 258% since 2021. 

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Social engineering has become a major worry, as people are becoming more aware of the many ways mobile fraud can happen. This includes things like location spoofing, scams that manipulate users and account takeovers. Almost half of the survey respondents this year said they or someone they know personally had dealt with fraud, scams or similar issues.

Such scams also affect your online shopping experience. I spoke with Tom Tovar, CEO of Appdome, regarding what consumers need to know when they are shopping on their mobile devices this holiday season. 

“Consumers should be aware of phishing, smishing and vishing scams, which exploit fake emails, deceptive SMS messages and fraudulent phone calls to steal sensitive information. More sophisticated threats include FaceID bypass attacks, such as those carried out by the GoldPickaxe malware, which uses AI-enhanced techniques to bypass biometric authentication,” Tovar said.

“Other significant risks include banking trojans, which infiltrate apps to steal login credentials or financial data, and accessibility malware, which exploits device accessibility features to take control of mobile interactions. The rise of these sophisticated threats highlights the need for robust in-app security.”

A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

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4 steps to take to protect yourself while shopping on your phone

Shopping scams are becoming harder to detect, but it’s easy to stay ahead of them. Here are some steps you can take to protect yourself while shopping on your phone.

1) Shop on a safe mobile app

This might seem obvious, but sticking to trusted apps can help keep you safe while shopping. By trusted apps, I mean platforms like Amazon, eBay and Walmart.

“With the growing sophistication of mobile threats, it’s becoming increasingly challenging for consumers to identify risks independently. Threats like phishing, accessibility malware and banking trojans are designed to mimic legitimate functions, making them nearly impossible to detect at a glance. Instead of relying solely on spotting issues, consumers should look for apps that clearly communicate their commitment to security through visible privacy policies, transparent security practices and updates addressing new threats. Choosing apps from trusted sources and reading user reviews can also provide reassurance,” Tovar said.

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2) Watch out for phishing, smishing and vishing scams

When shopping on your phone, be cautious of phishing, smishing and vishing scams, as they are common tactics used to steal your personal and financial information. Phishing involves fake emails that look like they are from trusted retailers, tricking you into sharing sensitive details like passwords or payment information. Smishing is a similar tactic but delivered through text messages, often containing links to fake websites or malicious downloads. 

Vishing, on the other hand, involves scammers making phone calls pretending to be customer service representatives from well-known brands, attempting to gain access to your private information. Always verify the authenticity of emails, texts or calls before clicking links or sharing details to ensure a safe shopping experience.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3) Be cautious about the permissions you grant to apps

When shopping online on your phone, it’s important to be careful about the permissions you give to apps. A lot of apps may ask for access to things like your camera, contacts or location, even if it’s not necessary for the shopping experience. Always think twice before granting these permissions.

“These permissions are often abused by malware to collect sensitive data or perform unauthorized actions. Before granting permissions, consider whether they align with the app’s purpose. Developers can mitigate these risks by incorporating protections from Appdome’s anti-fraud offering, which protects against the many abuse methods used by malicious actors to abuse mobile app permissions,” Tovar said.

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A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

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4) Protect your financial information

Protecting financial information is crucial, especially when shopping online. It’s important to use secure websites, indicated by “https” in the URL, and avoid saving payment details in apps or on websites unless they are trustworthy.

While consumers should stay vigilant – by using trusted apps, downloading only from official app stores and monitoring for suspicious activity – there’s only so much they can do, Tovar said.

“The sophistication of modern threats often makes it impossible for users to identify or prevent all risks on their own,” he said. “Consumers have a better chance of keeping their personal information secure by choosing brands that prioritize security and back it up with tangible actions, such as automating robust protections and delivering proactive, built-in security measures.”

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Kurt’s key takeaway

The holiday season is a prime time for shopping and, unfortunately, for scams. As mobile shopping continues to grow, threats like AI-driven scams and advanced malware are expected to increase. However, you can keep yourself safe by staying informed about potential threats, choosing apps with robust security measures and practicing good mobile hygiene. It’s also the responsibility of app developers to ensure users don’t fall prey to scammers.

Do you think app developers are doing enough to keep people safe from scams? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Ask Kurt a question or let us know what stories you’d like us to cover.

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Technology

The first Dolby FlexConnect soundbar is coming from LG

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The first Dolby FlexConnect soundbar is coming from LG

Dolby Atmos FlexConnect technology debuted this year with the TCL Z100 speakers, and now we’re getting our first FlexConnect soundbar thanks to LG. The new H7 soundbar — which runs on the same Alpha 11 Gen 3 chip as LG’s OLEDs and new Micro RGB LED — is a part of the LG Sound Suite, a modular home audio system the company will debut at CES 2026. In addition to the soundbar, the Sound Suite will include the M5 and M7 surround speakers and the W7 subwoofer. All of the speakers feature Peerless Audio components.

The two main drawbacks of TCL’s Dolby FlexConnect implementation were the limitation of only allowing four connected speakers, including a sub, and the need for a 2025 QM series TCL TV. So you needed to pick between better sound coverage with a fourth speaker or more bass performance with a sub. LG’s Sound Suite, on the other hand, will allow you to connect the soundbar with up to four surround speakers and a subwoofer for a potential 13.1.7-channel system.

And while the speakers can be used with a compatible LG TV (including the 2026 premium LG TV lineup and 2025’s C5 and G5 OLEDs), it isn’t required. It’s possible to use the H7 soundbar with any TV — or without — and have it act as what’s called the lead device to connect the surround speakers and sub. LG says there are 27 different speaker configurations possible, from using two speakers as a stereo pair up to the full system with soundbar, surrounds, and sub.

In my experience with the TCL Z100, calibrating FlexConnect speakers to your space is also fast. Once they’re in place and plugged in, a short musical clip is played for a few seconds and then setup is complete. The system is able to know where the speakers are placed and how to optimize the surround and Atmos sound for your room. With other room correction software, the process can take much longer, requiring taking sound readings from multiple locations in the room.

LG is using ultra-wideband technology to adjust the sweet spot based on your listening position that it’s calling Sound Follow. What will be interesting to see with the LG Sound Suite’s Dolby FlexConnect implementation is how customizable it is after setup (for instance, adjusting subwoofer levels).

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I’ll be hearing the system at CES and plan on reviewing the system when it’s available to see how well the technology translates into a home.

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Technology

The fake refund scam: Why scammers love holiday shoppers

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The fake refund scam: Why scammers love holiday shoppers

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The holiday shopping season should feel exciting, but for scammers, it’s rush hour. And this year, one trick is hitting more inboxes and phones than ever: the fake refund scam. If you’ve ever seen an unexpected “Your refund has been issued,” “Your payment failed” or “We owe you money” email or text during November or December, it wasn’t an accident.

Scammers know you’re buying more, tracking more packages and juggling more receipts than at any other time of year. That chaos makes fake refund scams incredibly effective and incredibly dangerous.

Here’s why these scams are spreading, how to spot them instantly and the one thing you can do today to stop scammers from targeting you in the first place.

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Fake refund emails can look convincing during the holidays, making it easy to fall for a scam when your inbox is overflowing. (Kurt “CyberGuy” Knutsson)

Why refund scams skyrocket during the holidays

Scammers strike when Americans are distracted, rushed and making dozens of purchases. Black Friday, Cyber Monday and holiday gift-buying create the perfect storm:

1) You’re expecting legitimate refunds

Holiday shopping means:

  • Items going out of stock
  • Orders getting canceled
  • Packages arriving late
  • Prices changing
  • Stores offering “Best Price Guarantee” refunds.

Scammers know this. When you’re already expecting refund emails, their fake ones blend right in.

2) You’re spending more, which means bigger targets

A study shows that this year, Americans will spend 3.6% more than the previous year on holiday shopping. A $200 to $500 purchase is completely normal during this season. Other reports show a decrease in spending, but note that people spend, on average, over $600 during the Black Friday promotions alone.

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Expenses stack up, new things arrive, some get returned and a “$249 refund issued” message doesn’t look suspicious—it looks plausible. But it’s crucial you check if that message is real. Never click any links without a thorough look at the email address, name and content of the message.

3) Your inbox is overflowing

Have you been eyeing a new home appliance? Or a present for a loved one? Have you saved anything in your cart just to see if the price drops? Thanks to Black Friday, your inbox is probably filled with:

  • Promotional codes
  • Offers
  • Shipping updates
  • Order confirmations
  • Receipts
  • Return notifications.

It’s easy to lose track of your orders and packages amidst the influx of emails. And when you’re skimming more than 200 promotions, scams become harder to catch.

4) They know exactly what you purchased

Scammers get their information from data brokers, companies that collect, package and sell your personal information. Your profile can include anything from your name, contact information, to your purchase history and even your financial situation.

In general, data brokers and shopping apps sell patterns, including:

  • Where you shop
  • How much you spend
  • What categories you buy
  • Recent purchases
  • Your email, phone number and address.

And scammers buy that information to craft compelling and personalized attacks. That’s why their fake refund emails often mimic retailers you actually used.

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Scammers use urgent warnings and realistic details to pressure you into clicking links that steal your personal information. (Kurt “CyberGuy” Knutsson)

How the fake refund scam works

Scammers usually follow one of three playbooks:

“Your refund is ready-verify your account.” You click a link, and you’re taken to what looks like Amazon, Walmart, UPS, Target or Best Buy. And when you enter your login, scammers can steal your credentials by manipulating you.

“We overcharged you. Click here for your refund.” It asks for your debit card number, your bank login and your PayPal credentials. Or worse: it installs malware that steals them automatically.

Phone version: “We issued a refund by mistake.” You get a call from someone pretending to be Amazon customer service, PayPal support, or even your bank. They say they “refunded too much money” and need you to send back the difference. Some even screen-share to drain bank accounts in real time.

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These scams cost Americans hundreds of millions of dollars every year. The FTC reports that impostor scams (which are related to online shopping) accounted for the second-highest reported losses, resulting in $2.95 billion being lost in 2024.

What these emails look like so you can spot them fast

Scammers are getting more sophisticated. Fake refund messages often include:

  • Your correct name
  • A real store logo
  • A real order amount
  • A believable order number
  • “Click to view refund” buttons
  • Deadline pressure like “respond within 24 hours.”

Here’s the giveaway: No legitimate retailer requires you to enter banking info to receive a refund, ever.

Note that scams often ask you to:

  • Confirm a payment
  • Verify personal info
  • Log in through a link
  • Provide banking details
  • Download an invoice.

The simplest way to protect yourself before the holiday peak

Deleting your data manually from data broker sites is technically possible, but extremely tedious. Some require government ID uploads, faxed forms, multiple follow-up requests and updates every 30 to 90 days because they relist your data.

This is why most people almost never do it. A data removal service, however, automates the entire process. These services:

  • Identify which broker sites have your info
  • Send official deletion requests on your behalf
  • Force them to remove your data
  • Continually monitor and re-request removals
  • Block brokers from relisting you

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com

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Get a free scan to find out if your personal information is already out on the web: Cyberguy.com

Criminals often rely on data from broker sites to personalize refund scams, which is why reducing your digital footprint matters. (Kurt “CyberGuy” Knutsson)

How to protect yourself this season (3 quick steps)

Remember to follow these few simple steps to safeguard yourself against targeted scams.

1) Never click refund links in emails or texts

Go directly to your retailer’s website and check your actual order history. Verify the email address of the sender and only communicate with official representatives of the retailer.

2) Turn on multi-factor authentication

Set up two-factor authentication (2FA) for all of your accounts. With the help of 2FA, you’ll need to authorize logins via email, text message or generated PINs. So, even if you accidentally enter your password somewhere fake, 2FA can stop the breach.

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3) Limit how scammers can find you

This is the part most people skip—and it’s why they stay targets. Removing your personal info from data broker sites cuts off scammers’ access to your real details. A data removal service automates and makes the process ongoing, which is why I recommend it to my most privacy-conscious readers.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Kurt’s key takeaways

Refund scams explode during the holiday shopping season because scammers rely on two things: Chaos in your inbox and your personal data being sold behind your back. You can’t stop scammers from sending fake emails, but you can stop them from targeting you specifically. Before peak holiday shopping hits, take a moment to clean up your data trail. You’ll end up with fewer scams, fewer risks and far more peace of mind.

Have you received a suspicious refund email or text this season? Share your experience so we can help warn others in the comments below. Let us know by writing to us at Cyberguy.com

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Rad Power Bikes files for bankruptcy protection

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Rad Power Bikes files for bankruptcy protection

Rad Power Bikes, the once dominant electric bicycle brand in the US, filed for Chapter 11 bankruptcy protection this week as it seeks to sell of its company. The move comes less than a month after Rad Power said it could not afford to recall its older e-bike batteries that had been designated a fire risk by the US Consumer Protection Safety Commission.

The bankruptcy, which was first reported by Bicycle Retailer, was filed in US Bankruptcy Court for the Eastern District of Washington, near the company’s headquarters in Seattle. Rad Power lists its estimated assets at $32.1 million and estimated liabilities at $72.8 million. Its inventory of e-bikes, spare parts, and accessories is listged at $14.2 million, Bicycle Retailer says.

It’s a stunning reversal for the once leading e-bike company in the US. Mike Radenbaugh founded the company in 2015 after several years of selling custom-made e-bikes to customers on the West Coast. Rad Power quickly grew to over 11 distinct models, including the fat-tire RadRover, the long-tail RadWagon, and the versatile RadRunner. Rad Power Bikes raised an approximate total of $329 million across several funding rounds, primarily in 2021, with major investments from firms like Fidelity, Morgan Stanley, and T. Rowe Price.

But in the wake of the post-covid bike boom, things started to go south. There were supply chain disruptions, safety recalls, several rounds of layoffs, and executive turnover. Last month, Rad Power said it was facing “significant financial challenges” that could lead to its imminent closure without a cash infusion.

The CPSC warning apparently was the nail in the coffin. The company’s older batteries could “unexpectedly ignite and explode,” the agency warned, citing 31 fires, including 12 reports of property damage totaling $734,500. There weren’t any injuries, but the company said it couldn’t afford a costly recall.

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Rad Power could still live on if its able to find a buyer for its assets and brand. Dutch e-bike make VanMoof was able to find a buyer following its 2023 bankruptcy. And Belgium’s Cowboy is in talks to be acquired by a French holding company of several bike brands. Rad Power will continue to operate as it restructures its debts under court supervision, and in a statement to Bicycle Retailer said it will continue to sell bikes and work with customers and vendors as it moves forward with the process.

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