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Signs of a Facebook Marketplace scam

Blog Post
2 min read
scammer standing behind a red couch that's for sale.

If you're on the hunt for a used couch, concert tickets, or just about anything, Facebook Marketplace can be a great place to find a deal. But, like any online platform, it can be a fraud-magnet for scammers looking to take advantage of unsuspecting buyers and sellers. The good news? You don’t have to avoid Marketplace altogether! You just need to know what to look for.

Here are some of the most common red flags and how to protect yourself:

The Price Is Too Good to Be True

If that $600 iPhone is listed for $100, there’s probably a catch. Scammers often lure people in with prices that are way below market value. Always do a quick price comparison to see if the listing is realistic.

They Ask You to Pay Outside of Facebook

One of the biggest signs of a scam is when the seller wants to move the conversation to another platform like email, text, or WhatsApp. From there, they typically ask for payment via apps like Venmo, Cash App, Zelle, or even gift cards. These payment methods offer little to no protection if something goes wrong. Always use Facebook’s in-app messaging and payment options when possible. If a seller won’t meet in person or insists on another method, walk away.

The Story Keeps Changing

Be wary of sellers or buyers with inconsistent stories. Maybe they’re “suddenly moving,” or “can’t meet in person,” or “need the money urgently.” These stories are often designed to create pressure or sympathy. Always ask direct questions. If the answers keep shifting, it's a strong sign you should reconsider the transaction.

Overpayments and Refund Requests

If you’re selling an item and the buyer “accidentally” sends you too much money, then asks you to refund the difference, it’s likely a scam. Chances are, the original payment is fake or will be canceled after you send the refund.

They Won’t Meet in a Public Place

Legitimate buyers and sellers should have no problem meeting in a well-lit, public location. Some police stations even offer “safe exchange zones” specifically for this purpose. If someone is pressuring you to meet up in a remote area or at an odd hour, do not continue with the transaction.

Quick Tips to Stay Safe:

•    Meet in person whenever possible—preferably in daylight and in a public location.
•    Bring a friend with you when making high-value exchanges.
•    Avoid shipping items unless you’re using a trusted platform with buyer/seller protection.
•    Trust your gut. If something feels off, it probably is.

At SAFE, your financial safety matters to us. In fact, an entire section of our website's Learning Center is devoted to the SAFE Aware Fraud Prevention Program. It's packed with tips, tools, and educational content designed to beef up your fraud fighting skills. Check it out today!

Remember, If you think you’ve been scammed (even if you're not sure), don’t be embarrassed. Reach out to us right away by calling 1-800-763-8600, or visit your nearest branch. The sooner we know, the more we can do to help.

Stay smart. Stay SAFE. And happy bargain hunting!