If you purchased a new T-shirt online that disintegrated after two washes, based on a five-star digital review, you’re probably going to start doubting those reviews.
You won’t be alone.
Alchemer’s 2026 Retail Report shows 70% of retail consumers check online product and service reviews before making a purchase. Of that number, 42% “suspect the reviews they read are fake or AI-generated, 40.6% suspect they’re paid or incentivized and 32.5% think brands manipulate them,” the report stated.
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Data from a recent Forbes study tells a similar story. The publisher’s survey shows 49% of U.S. consumers say there are “too many fake reviews”, and that 86% of respondents are “concerned about AI-generated reviews.”
Fraud specialists say fake five-star reviews are easy to post, especially with AI, and hard to verify.
“Fake online reviews are now an industry with its own supply chain,” Dr. Nicola Harding, a criminologist and chief scientific officer of Tuteliq, a fraud detection services company, told Moneywise. “There are review brokers, paid reviewer networks, ‘review for refund’ schemes and, more and more, automated content farms.”
One big problem is that nobody can measure the scale of review fraud precisely, because the best fakes are never caught. “The World Economic Forum has estimated that fake reviews influence around $152 billion of global online spending each year,” Harding stated.
Online scammers benefit from how fake reviews are structured, since they’re basically social proof. “When we can’t touch a product or meet a contractor, we hand our judgment to strangers,” Harding said. “A five-star rating feels like the crowd has already done the checking for us.”
From a criminological point of view, that’s the ideal setup for a fraudster: a motivated offender, a willing target and no capable guardian in the gap between them. “The review stands in for that guardian, so when the review is fake, the protection disappears,” Harding added.
These red lights suggest a review scam is in play
Fact-checking five-star online reviews is difficult, but doable, especially if you follow these clues.
Look for details, not enthusiasm
Details don’t prove authenticity, “but generic enthusiasm provides little useful evidence,” Dave Hatter, a cybersecurity consultant at Cincinnati-based Intrust IT, told Moneywise. “And look at the pattern over time, not one review or a small number of reviews over a short time range.”
Be skeptical about ‘verified purchase’ claims
Verified purchase claims in digital reviews can be useful; they don’t guarantee the opinion itself is trustworthy.
“Verified purchase verifies something about the transaction,” Hatter noted. “It shouldn’t be interpreted by consumers as Amazon personally certifying that everything the reviewer wrote is true.”
Reviews with no story in them.
Watch out for phrases like ‘great product, highly recommend’ that could fit anything. “Genuine customers mention specifics: the delivery, how they installed it, what went wrong and how it got fixed,” Harding said.
No complaint responses included
Online reviews with multiple five stars but almost nothing in the middle, plus no replies from the seller to any complaint, should give buyers pause. “Honest businesses get some bad reviews and answer them,” Jonathan Solis, founder at Whisker Bark, a Miami-based dog mobility retailer, told Moneywise.
Be scrupulous about AI-generated reviews
AI has removed the two things that used to give fake reviews away: cost and clumsy wording.
“One person can now produce thousands of fluent, varied reviews in different voices, with made-up personal details, for almost nothing,” Harding noted. “Clumsy grammar and copy-and-paste phrasing are fading as warning signs.”
What AI hasn’t fixed is the behavior around the text. “Reviews still arrive in suspicious clusters. Reviewer accounts still lack real history, and often the story still doesn’t match the product,” she added.
AI reviews also tend to be a little too polished and balanced, with a neat ‘only small downside’ added to sound believable. “So shoppers should stop asking ‘does this sound human?’ and start asking ‘does this pattern look human?” Harding advised.
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Here’s how to fight back against fraudulent five-star reviews
Fraud detection experts say there are several ways to get the real deal out of online retail reviews.
One strategy is to skip the five-star reviews and read the three-star ones. “Fakes cluster at the top, while the middle is where real buyers explain what actually worked and what didn’t,” Solis said.
If you’ve already paid for a product that underperformed yet had a five-star review, get busy documenting the experience.
“Gather your evidence,” Harding advised. “Screenshot the reviews, the listing, your receipts, and every message. Fake reviews are often deleted once complaints start.”
It’s also a good idea to contact the seller or contractor in writing. “Ask for a refund or a repair and give a deadline,” Harding said.
Dissatisfied consumers can also dispute the charge with your card issuer. “Under the Fair Credit Billing Act, you usually have 60 days from the statement date to dispute goods or services that weren’t delivered as promised,” Harding added. “This is why I always say to pay by credit card, not debit, wire transfer, Zelle or cash.”
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Brian O'Connell is a US based former Wall Street bond trader and author of two best-selling books: "The 401k Millionaire" and "CNBC's Creating Wealth". His work is featured on national finance and business platforms like TheStreet.com, CBS News, CNN, The Wall Street Journal and Forbes
