Don't let scammers steal your money or your personal
information if you make the decision to be generous and charitable. Here are
some tips to protect yourself and ensure that your money gets to the causes you
wish to support.
Be smart about responding to email solicitations
- If you donated to an organization online, signed an online
petition, or responded to a survey - perhaps through social media - you also
provided your email information. Doing so is implied, if not specific,
permission for that organization to contact you via email again until or unless
you tell them not to by opting out.
- Email is a normal channel now for nonprofits to ask you for
continued support. They can reach you with very timely messages and connect you
with relevant information on their website.
If you have any doubt it’s always best to go directly to their website -
rather than clicking the links in the email.
- Be a skeptic of email solicitations from charities you have
not heard of before or haven’t in some way supported or contacted. Despite how
official an email may seem it could be a scam.
Do not follow any links within the message. If you are interested in the
organization and want to learn more about them, the best starting point is to
check to see if they are rated and then to contact the organization directly to
Beware of requests to send money overseas
- As a rule, any organization requesting that you send funds
to a foreign bank is a scam.
Delete unsolicited emails with attachments
- It's not typical for legitimate emails from organizations to
include attachments. If there is something they want you to see, they are going
to direct you to information or photos on their website. Do not open any
attachments to these emails even if they claim to contain pictures of a recent
tragedy. These attachments are probably viruses.
Be inspired by social media, but still do your homework
- Social media delivers heart-wrenching images and information
about charitable causes. Many of them include pleas to donate. You should take
the time to investigate the groups behind such pleas for help to ensure that it
comes from a legitimate nonprofit and then go to that charity's website to make
- Pay attention to who's asking and who's getting the money. Don't assume that a request on social media is legitimate, or that hyperlinks are accurate just because a friend posted it.
- Check where the donation link goes. Does it go to a crowdfunding campaign? If that's the case, any money you give will go directly to the crowdfunding organizer. It's best to confirm with the person who posted the link that they know the person behind the fundraising.
- If the link is to a charity's website, research the charity before you give.
Think before you text
- So long as you do your homework - meaning that you've vetted
the charity and made sure that you are using the proper texting instructions -
then texting can be a great way to give. Remember there may be additional costs
to you to make such a gift. And it can take as much as 90 days for the charity
to receive the funds.
Be skeptical of people that contact you online claiming to be
- Anyone alleging to be in this position is most likely part
of a scam. People affected by a disaster or afflicted by a disease are in no
position to contact you directly for assistance.
- Be wary of fundraisers who pressure you to make a contribution
over the phone. Never divulge your credit card information to someone
soliciting you via the phone. Instead, ask the fundraiser to send you written
information about the charity they represent and do some research on your own.
Once you feel comfortable with the charity, send the organization a check
directly in the mail, or give through their website, thus ensuring 100% of your
gift goes to the charity and not the for-profit fundraiser.
Seek out the charity’s authorized website
- The results of a general web search may include a fraudulent
site designed to look like a legitimate charity’s website. Criminals are likely to set up bogus sites to
steal the identity and money of generous and unsuspecting individuals. So, how can you determine if a site is valid? Start by examining the web address. Most
non-profit web addresses end with .org and not .com. Avoid web addresses that
end in a series of numbers. Also, bogus sites often ask for detailed personal
information such as your social security, date of birth, or your bank account
and pin information. Be extremely skeptical of these sites as providing this
information makes it easy for them to steal your identity.
Your best option is to start your web search on a charity
rating web site to find the charity organization’s authorized website. Also, read the news by checking the charity's recent media coverage through Google news or another similar service. You should also check if the charity is trustworthy by contacting the Better Business Bureau’s (BBB) Wise Giving Alliance, Charity Navigator, Charity Watch, or GuideStar.
- Check for evidence of the charity's commitment to
accountability and transparency. The best charities are transparent and accountable
to the public. You should be able to see evidence of this in the information
they provide on their web site. Can you readily find information about the
charity's staff and Board of Directors? Did the charity publish its financial
information such as its most recently filed Form 990 or audit?
Find out if a charity has a donor privacy
- If you can’t find the privacy
policy on the organization’s website, ask to see it in writing. You should have the option to request that
your name and address not be shared with other organizations, if you wish. Some
charities require that you “opt-out” of having your personal information
shared. If that’s the case with the charity you are planning to support, then
be sure to take the time to let them know that you want them to keep your
contact information confidential.
Give to an established charity
- Don't let an unscrupulous charity take advantage of your
goodwill. Find a charity with a proven track record of success with dealing
with the type of disaster and in the region in which the disaster occurred.
Avoid fly-by-night charities created specifically to deal with the new crisis.
Even well-meaning new organizations will not have the infrastructure and
knowledge of the region to efficiently maximize your gift. If you do feel
compelled to give to a new charity, be sure to get proof that the group is in
fact a registered public charity with 501 (c) (3) status.
Be aware of fundraisers calling on behalf of police and firefighters
- Simply having the words “police” or “firefighter” in an organization’s name doesn’t mean police or firefighters are members of the group.
- Just because an organization claims it has local ties or works with local police or firefighters doesn’t mean contributions will be used locally or for public safety. The organization should be able to provide you with written information describing the programs your donation will support, and their fund-raising costs before you donate.
- Most solicitations for police and fire service organizations are made by paid professional fund-raisers.
- Donations to some police or firefighter groups may not be tax deductible. Many kinds of organizations are tax exempt, including fraternal organizations, labor unions, and trade associations, but donations to them may not be tax deductible.
- Ask fund-raisers for identification. Many states require paid fund-raisers to identify themselves as such and to name the organization for which they’re soliciting.
- Ask how your contribution will be used. Ask what percentage of your contribution will go to the fire or police organization, department, or program. Also ask if your contribution will be used locally. Get written information.
- Call the organization or your local police or fire department to verify a fund-raiser’s claim to be collecting on behalf of the organization or department. If the claim cannot be verified, report the solicitation to your local law enforcement officials.
- Be wary if a fund-raiser suggests you’ll receive special treatment for donating. For example, no legitimate fund-raiser would guarantee that you won’t be stopped for speeding if you have a police organization’s decal in your car window. Don’t feel intimidated about declining to give. A caller who uses intimidation tactics is likely to be a scam artist. Report the call to your local law enforcement officials.
Signs Of A Charity Scam
Avoid any charity or fundraiser that:
- Refuses to provide detailed information about its identity,
mission, costs, and how the donation will be used. Scammers make lots of vague and sentimental claims but give no specifics about how your donation will be used.
- Some scammers try to trick you into paying them by thanking you for a donation that you never made.
- Scammers can change caller ID to make a call look like it's from a local area code.
- Some scammers use names that sound a lot like the names of real charities. This is one reason it pays to do some research before giving.
- Bogus organizations may claim that your donation is tax-deductible when it is not and won't provide proof that a contribution is tax deductible.
- Uses a name that closely resembles that of a better-known,
- Uses high-pressure tactics like trying to get you to donate
immediately, without giving you time to think about it and do your research. Don't let anyone rush you into making a donation.
- Asks for donations in cash or asks you to wire money.
- Offers to send a courier or overnight delivery service to
collect the donation immediately.
- Guarantees sweepstakes winnings in exchange for a
contribution. By law, you never have to give a donation to be eligible to win a
Charity Checklist Precautions
- Ask for detailed information about the charity, including
name, address, and telephone number.
- Get the exact name of the organization and do some research.
Searching the name of the organization online — especially with the word
“complaint(s)” or “scam”— is one way to learn about its reputation.
- Call the charity. Find out if the organization is aware of
the solicitation and has authorized the use of its name. The organization’s
development staff should be able to help you.
- Find out if the charity or fundraiser must be registered in
your state by contacting the National Association of State Charity Officials.
- Check if the charity is trustworthy by contacting the Better
Business Bureau’s (BBB) Wise Giving Alliance, Charity Navigator, Charity Watch,
- Ask if the caller is a paid fundraiser. If so, ask:
The name of the charity they represent
The percentage of your donation that will go to the charity
How much will go to the actual cause to which you’re donating
How much will go to the fundraiser
- Keep a record of your donations. And review your statements closely to make sure you’re only charged the amount you agreed to donate – and that you’re not signed up to make a recurring donation.
- Make an annual donation plan. That way, you can decide which
causes to support and which reputable charities should receive your donations.
- Visit this Internal Revenue Service (IRS) webpage to find
out which organizations are eligible to receive tax deductible contributions.
- Know the difference between "tax exempt" and "tax
deductible." Tax exempt means the organization doesn't have to pay taxes. Tax
deductible means you can deduct your contribution on your federal income tax
- Be careful how you pay. If someone wants donations in cash, by gift card, or by wiring money, don’t do it. That’s how scammers ask you to pay. To be safer, pay by credit card or check.
- Never wire money to someone claiming to be a charity.
Scammers often request donations to be wired because wiring money is like
sending cash: once you send it, you can’t get it back.
- Do not provide your credit or check card number, bank
account number or any personal information until you’ve thoroughly researched
- Be wary of charities that spring up too suddenly in response
to current events and natural disasters. Even if they are legitimate, they
probably don’t have the infrastructure to get the donations to the affected
area or people.
- If a donation request comes from a group claiming to help
your local community (for example, local police or firefighters), ask the local
agency if they have heard of the group and are getting financial support.
- When you consider giving to a specific charity, search its name plus "complaint," "review," "rating," or "scam."