It's easy to fall in love with a puppy photo online, or a heartwarming post about a pet looking for a home. Scammers know that, and they often use adorable pictures and convincing stories to trick animal lovers into sending money for pets that don't actually exist.

A typical puppy scam starts with an online listing for a dog at a great price — or sometimes even "free" if you cover shipping costs. Once you've paid, the seller comes back asking for more money for things like transportation, veterinary care, insurance, or special crates. The requests keep coming, but the puppy never arrives.

Jul. 2026 Security Tip - Puppy Scams

How to Spot a Puppy Scam

Watch for these common warning signs:

  • The seller insists on payment through wire transfers, gift cards, cryptocurrency, or payment apps.
  • They refuse to speak by phone or show the puppy over video chat.
  • The seller refuses to let you meet the puppy in person or visit the location where it is being cared for.
  • The photos appear in multiple online listings.
  • They pressure you to act quickly before someone else gets the puppy.

Protect Yourself Before You Pay

A few simple steps can help you avoid becoming a victim:

  • Research the seller's name, phone number, and email address online.
  • Ask for health records, vaccination records, and breeder or adoption documentation.
  • Meet the puppy in person whenever possible.
  • Consider adopting from a local shelter or rescue organization.

The Bottom Line

Bringing home a new pet should be exciting, not expensive and frustrating. If a seller seems evasive, demands unusual forms of payment, or keeps asking for additional fees, trust your instincts and move on. Taking time to verify a seller before sending money can help ensure your search for a furry companion ends with a real pet — not a costly scam.

If you believe you've sent money as part of a scam, contact your financial institution as soon as possible. CEFCU members with concerns about potential fraud can call 1.800.542.3328 for assistance.

To learn more about pet scams and how to protect yourself when purchasing a pet online, visit the Federal Trade Commission (FTC) consumer alerts.