Beware of fake charity scams—9 Tips to help protect yourself

Charity scams continue to exploit good-hearted people, preying on their intentions to support causes that matter. While humanitarian crises and environmental disasters worldwide continue to evoke strong support, scammers also continue to launch schemes designed to divert funds from real needs to their own pockets.

It’s important to know how to spot these scams to ensure your contributions are making a real impact. Here’s a guide to how these scams work and what you can do to protect your donations and personal information.

How do charity scams operate?

Fake charity scams target your compassion. Scammers may impersonate reputable charities, approaching you by phone, email, or even in person, asking for donations. Unfortunately, the money ends up with the scammers rather than the charity you thought you were supporting.

In 2023, Americans gave $557.16 billion to charities. This generosity makes charity scams especially appealing to scammers. But the risks don't stop with lost donations—these scams can also lead to identity theft.

Other scammers create entirely fake charities, complete with professional-looking websites that mimic those of real organizations, all with the goal of siphoning off donations from people who think they’re supporting a legitimate cause.

How charity scams could lead to identity theft

Scammers often want more than your money. Some might request sensitive information like your Social Security number, bank account details, or credit card numbers, putting you at risk for identity theft. Armed with this information, they can make fraudulent purchases, tap into your accounts, or even apply for loans in your name.

To avoid these risks, it’s crucial to verify the legitimacy of any organization requesting donations.

How to identify and avoid charity scams in 2024

Here are nine essential tips to help you identify and avoid charity scams:

1. Research before you donate

Verify the legitimacy of any organization before donating. Start with trusted resources like CharityWatch, Charity Navigator, and the Better Business Bureau’s Wise Giving Alliance. Many states also maintain directories of registered charities, which can provide additional reassurance.

2. Use key search terms

Search online for the charity’s name along with keywords like “complaints,” “review,” or “scam” to see if others have raised red flags. If you find many complaints or charges that the "charity" that has reached out to you is a scam, it's wise to avoid giving it any of your dollars.

3. Watch for high-pressure tactics

Legitimate charities welcome donations whenever you’re ready. If you feel pressured to give immediately, consider it a red flag.

4. Avoid untraceable payment methods

Be cautious if someone asks you to donate via wire transfer, cash, or gift card—methods that are difficult to track.

5. Be wary of unexpected thank-you emails

If you receive an email thanking you for a donation you don’t recall making, be cautious. This is a tactic scammers use to trick you into believing you’ve previously supported them in the hope that you will give money again.

6. Handle emails with caution

Email is a preferred channel for scammers. Fraudsters often create convincing email messages that mimic legitimate organizations. If something seems off, don’t click on any links.

7. Consider donating directly

If you’re inspired to support a charity, go directly to the organization’s official website. Avoid clicking links in emails or texts, especially if you’re unfamiliar with the sender.

8. Protect your personal information

Reputable charities won’t ask for sensitive information like bank details or credit card numbers over the phone or via email. And requests for overseas money transfers should raise immediate suspicion.

9. Delete emails with attachments

Avoid opening attachments in emails from unknown charities. These may contain malware or viruses.

Stay vigilant in times of crisis

Scammers are quick to exploit crises, knowing that people are more likely to donate during emergencies. By doing your research and recognizing these red flags, you can help ensure that your donations are used to make a genuine difference.

Protect your goodwill and be smart about giving. With a little caution and awareness, you can avoid falling victim to fake charities and ensure your contributions reach those who truly need them.