Puppy scams. Outsmart the tricksters before they bite.

Fraud awareness By Western Union Fraud Prevention Team November 6, 2025

Thinking about bringing home a furry friend? That’s exciting! Whether you’re looking at online ads, shelters, or breeders, getting a puppy can be one of the most exciting moments for a family.

While most experiences are positive, it’s always good to know how to spot potential scams. We’re here to help you identify the signs so you can bring home a pup safely and with confidence.

How puppy scams work

Scammers are getting clever. They don’t just show up in person anymore; they use websites, phone calls, and even social media. Their goal? To take your money by pretending to sell you a puppy that doesn’t even exist.

They might pretend to be a breeder, shelter, or someone who needs to rehome their pet. They’ll even steal cute puppy photos and write heartwarming stories to win your trust.

Here are some tricks they often use:

  • Too good to be true ads: They promise rare or “perfect” puppies at a super low price. Do your research and understand ahead of time what fees are realistic. Shelters and rescue organizations tend to have lower adoption fees, but if you are communicating with someone who claims to have an in-demand breed for a discounted price, it could be a scam.
  • Rush payments: They ask you to pay right away using wire transfers, gift cards, or money apps.
  • Fake websites or listings: Scammers use realistic websites to trick you into sharing details or paying extra.
  • Scare tactics: They say someone else will get the puppy if you don’t act fast.
  • Too many questions before you meet the pet: Scammers will go the extra mile to get your personal details, so be suspicious of pushy behavior.
  • Not available to meet in person – Scammers are taking advantage of our “new normal” knowing that many organizations are no longer allowing open adoption or visiting hours. If a website claims that you cannot visit in person prior to bringing home your pet, ask to set up a video chat to see the animal before sending any money for a deposit or application fee.
  • Transportation Fees – It is no secret that people will search far and wide for the pet of their dreams, especially if they have their heart set on a specific breed. Proceed with caution if you are told that your new furry friend will be transported to you, rather than you needing to travel.

If it feels rushed or too good to be true, take a step back. Real breeders and shelters won’t pressure you or ask for money before you’ve had time to check things out.

Smart tips to protect yourself

Scammers try to make you act fast. But the best way to beat them? Take your time and follow these simple steps:

  • Avoid cash and wire transfers: Real sellers use safe, traceable ways to accept payment.
  • Do your homework: Look for reviews, ask for video calls, and request new photos of the puppy.
  • Watch for strange fees: Most shelters don’t charge just to visit or apply.
  • Save everything: Keep messages, photos, and receipts in case you need to report something.
  • Know the real price: Check what puppies usually cost. If it’s way cheaper, that’s a red flag.
  • Protect your info: Only share personal details with trusted, verified groups. Ask why they need it!
  • Never pay for an animal you found on an online classified posting using a money transfer.
  • Avoid any scenario that pressures you or requires you to act immediately. Use a cool head and take your time to evaluate the situation, even if they claim there is another family ready to adopt the pet you have fallen in love with.
  • Watch for poorly written correspondence or advertisements that contain misspellings, improper use of language or unusual formatting.
  • Never provide sensitive, personal identifying information to an unknown individual or entity, especially to persons who respond solely through email.
  • Never send a money transfer to someone you haven’t met in person, no matter the circumstances.
  • If you are communicating with a breeder or rescue outside of your area, ask for references that you may contact. A legitimate organization should be happy to provide you a list of satisfied pet-owners.
  • Ask to set up a video chat if you are not able to meet in person.
  • If you are curious if a photo is genuine and the animal is real, request an updated photo with a specific requirement, such as asking that the dog be photographed with a piece of paper containing today’s date. This prevents fraudsters from using stolen photos to make a listing look legitimate.

Smarter, Safer, Together

Scammers want you to act fast without checking the details, so be smarter: take your time, ask questions, and walk away if something feels off. You deserve a healthy, happy puppy and we’re here to help make that happen.

Remember: you’re not alone. There are lots of good people and trusted places that want to help you find the right pup for your home.

Now #BeFraudSmart and find your new best friend with confidence.

More information on scams and how to protect yourself is available at the Western Union Consumer Protection Center.