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Not All the Glows is Gold in Business Testimonials

2/9/2012

Posted on 2/9/2012 by

A lot of attention has been paid lately to Internet transparency. While great opportunities to promote small business exist, a door opens to create a little deception when it comes to those "testimonials" or "reviews" posted on company websites.

Business reviews are working, and surfers are flocking to them to help make their buying decisions.

ChannelAdvisor, an e-commerce software company, conducted a study in 2010 on the effectiveness of customer reviews. It was found that more than 80 percent of shoppers (during the holidays) said they were influenced some in the making a purchase from a company. Nielsen Online reported similarly that web surfers trust ratings and recommendations from other "unknown" shoppers more than they trust television, magazine and radio advertising.

HubSpot, an e-marketing research company, reported Email marketing is a powerful channel for driving real business results and achieving measurable return on investment.

So, whom can you trust?

BBB allows individuals to post "business reviews" on company pages in the bureau's website.

"We understand the importance of giving people all the information they can get in order to make a solid educated evaluation of the business," says Paul Shephard, e-marketing specialist at BBB serving the Snake River Region.

BBB offers the following tips when considering reviews and testimonials:

It is all in the name - Reviewers' names that include two or three numbers at the end are often signs of robotic review-writing software. In addition, some fake reviews can be spotted if the reviewer's name resembles a business or product name.
Watch out for glowing subject line and verbiage - Most consumers won't use subject lines such as "This product changed my life." Another giveaway is the repeated use of a product's complete name and detailed description, such as "The XYZ Model 443 XZ outperformed all other television sets in its category."
Unusual sentence structure - If the review is awkwardly worded, vague or praises its maker's company, it may be planted. Cut and paste suspicious sentences into a search engine and see if it comes up on other sites. Does the feedback resemble an ad or review from a real product user? Consumer reviews that read like product descriptions in catalogs and websites probably are.
The marketing is in the message - If the review exudes blind product loyalty, uses marketing phrases such as "integrates seamlessly," or "this is the kind of product that you've been looking for," it was likely written by someone who is pushing the product.
Black or white reviews - While a consumer may have strong opinions for or against a company or its products, take a second look at any feedback that is excessively positive or negative. Once you understand how companies and hired reviewers work, you can often detect a feedback piece with a hidden agenda.

Long-winded reviews with "life changing" testimonials tend to raise suspicion, Shephard says.

However, there is no guarantee a short consumer feedback post is legitimate either, he adds.

The best way to get a feeling for a product is to read reviews from a variety of sources, and look for any pattern in feedback on a single site. Friends on social networking sites can be a good source for leads.

Shephard says the more you read about the product and company, the better you will be at judging whether you are reading legitimate comments or meaningless marketing disguised as consumer experience.

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BBB Advises Consumers To Check Credit Reports Regularly With Credit Bureaus

2/7/2012

Posted on 2/7/2012 by

Keeping tabs on your credit report is an important part of staying fiscally fit, the Better Business Bureau (BBB) advises. However, consumers should avoid using some advertised services that promise “free” credit reports, credit scores or credit monitoring services.

Pulling your credit report on a regular basis is a smart way for consumers to stay on top of their financial health. The reports also can help you figure out whether someone has stolen your identity or tried to commit financial fraud.

Many advertisements on television or online claim to offer “free credit reports,” “free credit scores” or “free credit monitoring.” Often, the service is free only if you sign up for another service that isn’t free. In some cases, the advertisers may be attempting to steal your identity or sign you up for something that results in a monthly fee charged to a credit card.

The only way to get a truly free copy of a credit report is by using a service sponsored by the three nationwide credit reporting agencies – Experian, Equifax and Transunion. The service is available at AnnualCreditReport.com or by calling 1-877-322-8228. Consumers also may go to the website and download a request form that can be mailed to an address in Atlanta. Mailed reports normally arrive within two or three weeks.

The BBB offers the following tips for consumers who want to check their reports:

Do not access the Annual Credit Report request service through links from unfamiliar websites. If you get an email or see a pop-up ad claiming it’s from AnnualCreditReport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. To help ensure the privacy and protection of your personal information, go to AnnualCreditReport.com directly to request your free annual credit report either through a secure website, by phone or by mail. AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.
Consider pulling your reports every three or four months. While you can pull reports from all three credit bureaus at once, consider pulling your credit reports one at a time spread through the year. Pulling your reports separately allows you to better monitor your reports and keep track of any changes or new information that may appear on your credit report. If you pull all your reports at once, you won’t be eligible to pull a free report again for 12 months.
Pull your child’s credit report. Child identity theft remains a national problem, so it makes sense to see if your child has a report. The credit reporting agencies do not knowingly maintain credit files on minor children, but you can contact the credit reporting agencies directly, and they can run the report. If there is one, your child could be a victim of identity theft.
Avoid companies that claim they can improve your credit for free. The Federal Trade Commission warns consumers to be wary of companies that make claims regarding credit repair. These companies, commonly called credit clinics, don't do anything for consumers that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to create a new identity and credit file for you. For more information on credit clinics and a list of warning signs visit www.ftc.gov.
Dispute inaccuracies on your credit report. Inaccurate, derogatory information can lower your credit score and may indicate possible fraudulent activity. If you find information that you believe is inaccurate, you have the right to dispute it free of charge. Contact the reporting agency you pulled your report from to file your dispute.

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Watch Out for Scam Email Using Tax Prep Company, Intuit, Name

2/6/2012

Posted on 2/6/2012 by

People nationwide are receiving suspicious emails that appear to be from Intuit, a tax preparation software business. The messages encourage recipients to click on a link and update their Social Security Number or Employer ID Number in Intuit's online system. However, the email is a phishing scam, and the link leads to a third-party website that downloads a virus on to users' computers.

What does the email look like?

The email appears to be from update@intuit.com or security@intuit.com addresses. The messages also use a variety of subject lines including: "Please verify your tax information ASAP," "Correct tax information is needed" or "Tax information needed within 30 Days."

Steps to take:

Do not click on the link in the email
Forward the email to spoof@intuit.com
Delete the email

For more information, please read the security information on Intuit's website.

See BBB.org's complete scam directory for more information about breaking scams in your area.

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Buyer Beware as Shoddy Knock-offs Infiltrate the Internet

2/3/2012

Posted on 2/3/2012 by

The market for counterfeit luxury items is wide and deep, selling everything from jewelry and perfume to handbags and sunglasses. For bargain-hunters looking for name-brand items at discount prices online, Better Business Bureau offers advice on avoiding web-based rip-off schemes.

Conterfeit is Big Business

According to a report by the Department of Homeland Security, the total domestic value of merchandise seized during fiscal 2011 was $78.3 million, an amount that would have had a value of $1.11 billion had it been legitimate. The category of seized consumer safety and critical technology goods rose in value by 41 percent compared to fiscal 2010, the report says.

Online classified sites like Craigslist or eBay are hot spots for counterfeit luxury item fraud online, and both offer “buyer beware” warnings. But venders are now setting up their own websites to fool frugal fashionistas.

“In a tight economy, consumers are always looking to save a buck or two,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Too often, what looks to be a ‘great deal’ is really a shoddy knock-off in disguise.”

Spotting a Fake

BBB offers the following advice for shopping safely online when looking for deals on designer goods, as well as tips on how to spot a fake:

Always deal with reputable businesses. The number one way to avoid getting ripped off when buying luxury goods is to deal with reputable businesses. When in doubt, shoppers can contact the manufacturer and verify which venders are authorized sellers. Consumers should also check out the business with BBB at www.bbb.org/search before making a purchasing decision.

If the price seems too good to be true, it probably is. One of the biggest red flags for knock-off merchandise is an unrealistic price. Extremely low prices are tempting but not to be believed. Paying $100 for a $1000 purse could result in the consumer receiving a poorly constructed – and worthless – fake.

Read between the lines. Some websites or online classified ads will go overboard in their description of the item in order to coax the buyer’s trust. Overuse of “genuine,” “real” or “authentic” is a bad sign. Buyers also need to keep an eye out for sneaky phrases like “inspired by.”

Check the merchandise. Considering that the name is a large part of the motivation for buying a luxury brand, many manufacturers spend considerable time and energy on crafting the physical label. Counterfeiters aren’t usually as meticulous. Shoppers should look for misspelled words and brand names, poorly sewn logos and labels, etc. Some luxury goods carry an “authenticity label” with a hologram or other security measure.

Know the brand. Different luxury brands, such as purses, have specific hardware consumers can rely on to identify a genuine piece. Zippers, screws, clasps and stitching are usually very specific for the brand and the manufacturer often has details on their website explaining what to look for and how to spot a knock-off. Craftsmanship is king for most luxury brands. If the sunglasses snap in two in the first week, or if the stitching and seams are ragged and don’t match up on a purse, the items are probably counterfeit.

Consumers who have purchased counterfeit luxury goods should contact BBB and can easily file complaints online at www.bbb.org/complain. Consumers can also contact the Consumer Product Safety Commission at www.cpsc.gov and file a complaint online there as well.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

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BBB Advice for Navigating the Funeral Process

2/3/2012

Posted on 2/3/2012 by

At an average cost of $7,000, funerals are one the more expensive purchases made by consumers. During an emotionally-charged time it can be easy to spend more than might be necessary. Better Business Bureau recommends the following advice for navigating the funeral process.

Most funeral providers offer a variety of package plans that include products and services that are most commonly sold. However, it’s important to remember that no package is obligatory and it’s important to take the time, even though it may be constricted, to find the individual products and services that you prefer. The “Funeral Rule,” enforced by the Federal Trade Commission, requires funeral directors to give you itemized prices in person and, if asked, over the phone.

The Funeral Rule:

You have the right to choose the funeral goods and services that you want (with some exceptions).
The funeral provider must state this “Rule” in writing on the general price list.
If state or local law requires you to buy any particular item, the funeral provider must disclose it on the price list, with a reference to the specific law.
The funeral provider may not refuse, or charge a fee, to handle a casket that you bought elsewhere.
A funeral provider who offers cremations must make alternative containers available.

“Most importantly, don’t be afraid to ask questions and read contracts before you sign,” notes Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “If you feel as if you are being pressured into buying something you do not want or need, ask to speak to a different funeral director or go to a different funeral home.”

Can You Pre-Plan A Funeral?

One way to reduce stress during a time of grief is pre-planning. The National Funeral Directors Association offers a “Bill of Rights for Funeral Preplanning” (www.nfda.org/planning-a-funeral/preplanning.html) that its members follow. You do not have to prepay for a funeral in order to preplan one, although there may be financial benefits to doing so.

BBB has Business Reviews on more than 1,350 funeral homes and mortuary service providers across North America, available for free at www.bbb.org/search.

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Don’t Let an “Authorization Hold” Hold You Hostage

2/3/2012

Posted on 2/3/2012 by
Credit is a convenience; it allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it.

However, when dining out at a fancy restaurant or spending the night away in a hotel, it’s important to take notice of what the banking industry calls an “authorization hold.”

The issue was first identified by BBB of Southern Arizona when a customer complained that a restaurant had put through a charge equal to his bill plus 20%, even though he had left the server’s tip in cash. Upon investigation, Dispute Resolution Specialist Micaela Clubb discovered that it’s a common practice.

How Authorization Holds Work

Here’s how it works: Let’s say your restaurant bill comes to $100 and you give the server your credit card. When they run it through, they put an authorization hold on your account for $120, assuming you’re going to add a nice tip to the bill. But you leave the tip in cash on the table instead. Still, your bank or credit card company “holds” that $120 for a couple of days until the actual amount of your charge is processed…and that means you don’t have access to that $20. If you are close to your credit limit, it could mean a purchase is declined. If you used a debit card, it could mean a bounced check and overdrafts fees.

Now imagine it’s a hotel stay. You’ve checked in and given a credit card at the front desk. They put an authorization hold on your card for what they think your total bill will be (room charge, taxes, incidentals). If you are staying for several nights, this could amount to a lot of money that you no longer have access to; and when you are traveling, that can be a huge problem.

What You Can Do

Credit card processors discourage vendors from doing these kinds of holds, but they are perfectly legitimate as long as the vendor notifies customers of the practice. BBB advises consumers to keep tabs on their credit and bank accounts online, especially when traveling, and read the fine print on hotel agreements. When dining, pay for your check and tip together with either credit or cash, but not both. And whenever possible, keep a “cushion” of available funds on credit cards by paying off the balance regularly.

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BBB Advice for Avoiding Automobile Repair Scams

2/3/2012

Posted on 2/3/2012 by

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. Better Business Bureau recommends following a few key pointers to ensure that your automobile gets fixed without a glitch.

While many auto repair shops are legitimate, there are always those unscrupulous few that end up sucking thousands of unnecessary repair dollars from consumers. In 2011, BBB received more than 14,500 complaints against auto repair services and fielded more than 1.5 million inquiries from consumers looking to find a reliable business in the industry. Many of the complaints received by BBB fell under billing, service, and refund and exchange issues.

“Whenever you take your car to the shop, never try to diagnose the problem yourself. Describe the symptoms and ensure that the work cannot begin until you have a written estimate and given your okay,” said Kelsey Owen, spokesperson for the Council of Better Business Bureaus.

BBB recommends considering the following advice when taking your car in for auto repair services:

Check your warranty. If you have a problem with your vehicle while it is still under warranty, follow the manufacturer's instructions, which may require that repairs be made at an authorized dealership.

Ask around. If you are looking for a qualified, independent shop, ask friends for recommendations, or request a list of BBB Accredited Businesses that do the type of auto repair you need. Be sure to check with BBB about the shop's reliability at www.bbb.org/search. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you will need to find a shop employing a specialist.

Ask all the questions that you need. Don't be embarrassed to request explanations. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and apprised of the problem, course of action, and cost of work before any work begins.

Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and, before you leave, be sure to understand all shop policies regarding labor rates, guarantees, and acceptable methods of payment.

Get everything in writing. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so, if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

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Protecting Data – Does Your Business Know What to Do?

2/3/2012

Posted on 2/3/2012 by

In times of escalating privacy and data breaches, customers expect every business — large or small — that collects their sensitive personal information will protect it. Better Business Bureau advises business owners to proactively address customer anxiety and takes steps to both prevent and prepare for a security breach. BBB has endorsed the Online Trust Alliance’s Data Protection and Breach Readiness Guide, recently updated for 2012

Last year, more than 125 million people were affected by data loss incidents. Increased awareness of these high visibility incidents, as well as aggressive data collection and sharing practices, have eroded consumers’ trust and online confidence, according to OTA.

“The Internet has become the land of opportunity for scams and, unfortunately, we see thousands of them every year,” notes Genie Barton, Vice President of the Council of Better Business Bureaus and director of its Online Behavioral Advertising Program. “Consumers need assurances that they can trust the companies they do business with to secure their data, and the OTA Data Protection and Breach Readiness Guide is a great tool to help businesses protect themselves and their customers.”

In the wake of a security breach, it’s important to take action quickly. Small and large businesses alike need to be able to readily determine the nature and scope of the data incident, and take all appropriate steps to contain and stop the attack.

BBB recommends the 2012 guide and encourages all businesses to use its suggestions to help build a safer Internet for all.

The 2012 Data Protection and Breach Readiness Guide reflects input from a wide range of stakeholders, including interviews with companies that have experienced breach and data loss incidents, and industry and breach analysis experts.

For more data security advice you can trust, visit www.bbb.org/data-security, and for a complete OTA guide, visit https://otalliance.org/breach.html.

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BBB Offers Advice for Safe and Successful Valentine's Day Shopping

2/2/2012

Posted on 2/2/2012 by
If you're going to go through the task of sending flowers, candy or gifts for Valentine's Day, do a little homework and due diligence to make sure the holiday ends up a happy one. Locally, complaints against florists spiked 67% percent in 2011 compared to 2010.

When buying flowers consumers should be especially careful when making the purchase online or over the phone.

Consumers need to review the description of the floral arrangement or any other gift purchased online or in conversation with the florist or sales person.

The BBB offers the following advice for safe and successful shopping for Valentine’s Day:

• Do your homework. Before ordering flowers, chocolates or any other gifts for Valentine’s Day check out the BBB's Business Review at bbb.org.

• Allow time for shipping. Check with the retailer or check the web site to make sure that you have allowed enough time for delivery by your specified date. Make sure that this date is specified clearly and guaranteed when you order.

• Be wary of any email received from an unknown sender. Do not open any unsolicited email and do not click on any links provided. Fake e-cards coming from scammers/hackers may send you an infected card or send you to a link where you are could compromise your computer’s safety.

For more information on shopping with companies you can trust, visit bbb.org.

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NATIONWIDE SCAM ALERT - GreenPoint Capital

2/2/2012

Posted on 2/2/2012 by

An advanced fee loan company, GreenPoint Capital located in Lansing, Michigan, has been named by four consumers contacting the BBB, inquiring about their business practices. One consumer informed the BBB that GreenPoint Capital did not honor the contract she made with them after paying $800.00 by wire transfer. The consumer was told a $5000.00 loan would be in her account on 1/31/2012. The money was not provided, and the company representative called to ask for another $800.00, saying they needed more security on the loan. This consumer says GreenPoint Capital took everything she had plus money she borrowed from someone else to get the $800.00 to take out a loan.

The BBB has attempted to contact GreenPoint Capital by phone and by mail. No response has been provided by the company. An address of 535 Chanticleer Trail in Lansing, MI is being used by the business on its website. This is a private residence and not a business address. The State of Michigan has no record of GreenPoint Capital being licensed to provide consumer loans in Michigan, as is required by law.

GreenPoint Capital is apparently marketing itself on a national basis, as complaints have come from three different states.

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Child Care Target of "Over-Paid’ Check Scam

2/1/2012

Posted on 2/1/2012 by

Linda Westwood, 45, operates "Linda's Lily Pad" in Boise off Ustick Road. For several years now she has placed ads on craigslist promoting her daycare services.

She said it all started when she put an ad on craigslist, promoting her business services.

"I've had good luck with craigslist," she says. "But, about the second week in January, I received an email from the list, from a woman who said she was looking for daycare, 3 to 4-year-old girl."

Nothing unusual so far, Linda says she receives blind responses all the time to her listing. Westwood is not a BBB accredited business.

For nearly four weeks, she emailed back and forth with this woman, who claimed to be deaf and wanted to communicate by text only. "No phone calls."

This was really an elaborate scam, Linda says. She asked all the right questions, talked about blankets, toys, etc. Naps, hours of pickup, drop-off, payment schedule and costs.

So when she got this email, only a week before her starting date, a red flag went up. http://www.flickr.com/photos/bbbidaho/6802422513/

The woman said she’d sent the whole first week amount, but there was an error in the amount. It was too much.

The woman had not filled out any paperwork, had never visited the childcare center, and talked about how much time the little girl would be at the center.

“She wanted to know if I would return a portion of the check, and keep a portion for the inconvenience,” Linda says.

The woman wondered in the email: “Please let me know if I could trust you to do this.”

Linda says she hasn't received a check and didn’t respond to the last email.

Here are tips when dealing over the Internet:

o Know who you are dealing with – independently confirm your buyer’s name, street address, and telephone number.

o Never accept a check for more than your selling price.

o Never agree to wire back funds to a buyer – a legitimate buyer will not pressure you to do so, and you have limited recourse if there is a problem with a wire transfer.

o Resist pressure to “act now.” If the buyer’s offer is good now, it should be good when the check clears.

o If you accept payment by check, ask for a check drawn on a local bank or a bank with a local branch. You can visit that bank branch to determine if the check is legitimate. If the check is stolen, it may not be identifiable immediately by your bank.

o Consider an alternative method of payment, such as an escrow service or online payment service. If the buyer wants to use a service you have not heard of, be sure to check it out to be sure it is reliable – check its Web site, call its customer service hotline, and read its terms of agreement and privacy policy. If you do not feel comfortable with the service, do not use it.

– Tips from the FTC: http://www.ftc.gov/opa/2004/12/checkoverpayment.shtm

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Scammers Pose as Representatives from National Do Not Call Registry

1/30/2012

Posted on 1/30/2012 by

Scammers are working the Do Not Call Registry to get into your pocketbooks and personal information.

Better Business Bureau warns consumers these scammers make phony calls claiming to represent the National Do Not Call Registry.

According to DoNotCall.gov, "The calls claim to provide an opportunity to sign up for the Registry. These calls are not coming from the Registry or the Federal Trade Commission, and you should not respond to these calls. To add your number to the Registry you can call 888-382-1222 from the phone you wish to register, or go click on 'Register a Phone Number' in the left column of this page."

"Remember, they are crooks and they don't obey the law," says Robb Hicken, chief storyteller for BBB serving the Snake River Region. "They're going to call you, especially if you're on the registry.

The National Do Not Call Registry gives consumers an opportunity to limit the telemarketing calls they receive. Once they register their phone number, telemarketers covered by the National Do Not Call Registry have up to 31 days from the date their telephone number is registered to stop calling.

BBB reminds consumers:

Do not provide any personal information to unknown callers, including bank information, Social Security Number and contact information.
If your number is already registered with the Do Not Call Registry, your registration does not expire. You can verify if and when your number was registered by going to DoNotCall.gov.
The Federal Trade Commission does not allow private companies or other third parties to register consumers for the National Do Not Call Registry. Websites or phone solicitations that claim they can or will register a consumer's name or phone number on the National Do Not Call Registry - especially those that charge a fee - are almost certainly a scam.
FCC regulations prohibit telemarketers from using automated dialers to call cell phone numbers. As automated dialers are standard in the industry, most telemarketers are barred from calling consumers on their cell phones without their consent. However, you can still register your cell phone number if you'd like.

File a complaint with The National Do Not Call Registry, or file a complaint with BBB online.

Hicken says. "Record the date and time the calls were made so that you can include that information in your complaint."

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Scammer's Train Tactics Derailed

1/30/2012

Posted on 1/30/2012 by

Cheryl Cruson, manager of Oregon Trails Hobbies and Gifts, in Ontario, Ore., couldn't believe the order she'd received this past week.

She says the email requested the two most expensive train sets in the 6,000-square-foot store. The hobby store, on Oregon Street, takes up two storefronts, but it's much more than just a hobby store. There are gifts and all-occasion goodies, so when the request was made specifically for train sets, she was piqued with wonder.

"I was a little curious how this order came to us," she says. "We're not a large hobby store at all."

It seems the train, a Bachmann North Pole Special, is a G Scale, standing about 8-inches tall, and running on a 6-inch wide track, is special.

"You see a lot of these trains around Christmas time," she says. "This is a discontinued model, making it very hard to get."

So, when Cruson responded to the request acknowledging the types of trains she had available, the response was even more pleasing: two train sets. The order included a similarly expensive Lionel Polar Express Set, fashioned after "The Polar Express."

"They were special order brass trains," she says. And the thought crossed her mind, "'Why are they picking us? We're just a little hobby shop.'"

Cruson recognized the warning signs, and avoided a costly mistake. Scammers are contacting businesses, claiming they want to do business with them even though they aren't in the local area, and in this case the same country.

Seems, Mr. Smith wanted Cruson's hobby shop to pay up front the more than $736 in shipping fees, but offered immediate reimbursement upon receipt.

But, she didn't fall for it.

The scam is fairly simple. The scammer contacts potential victims through email and makes a purchase request of a substantial size. BBB has had scam reports of grave monument, computer and automobile orders.

The scammer makes payment arrangements with the business to cover the charges and shipping fees, and then asks the company to wire the shipping costs to the "shipper," promising immediate reimbursement. No credit cards, simple wire transfer only.

In this case, the payment was to be sent to Global Freight Forwarders Co., in Togo, a small country in eastern Africa.

Cruson says she spoke with a shipping company manager in Ontario who warned her not to send the money or the trains.

"It just didn't feel right from the get-go," she says. "And, when he said he wanted it to go to Africa, I just walked away from it."

BBB reminds businesses:

To keep their guard up and never wire money to any unknown person(s) regardless of whether they have given you a credit card to cover the cost

To inform all of your employees to beware of similar phone calls

To make policies about payment processes and make sure all employees follow protocol regardless of whom the individual is making the purchase

Individuals who receive a transaction request, such as the ones described above, are encouraged to file a complaint at www.ic3.gov reporting the incident.

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Video Renters Getting Pulled into Hollywood Video Ploy

1/27/2012

Posted on 1/27/2012 by

Boise resident William Dougall says he’s not fanatic about watching or renting videos, but he does enjoy picking up a video now and then.

“I always pay cash,” he says of the rentals. “I can’t see using a card for a $2 rental.”

He was a member of the new defunct Hollywood Video, a video rental store that fell by the wayside about three years ago because of the changing market.

Since that time, the company’s past due accounts were sold to a collection agency in Texas.

Former Hollywood Video customers throughout the region are receiving collection calls and notices from Universal Fidelity LP regarding past-due movie rentals and fees associated with unreturned movies.

“I was astounded that I would be getting a bill,” Dougall says. “I went through the list, and could remember the movies, but had returned them all, on time!”

Dougall’s bill lists DVD rentals dating back to 2009. Other complaints BBB has heard say the fees are excessive and the debts are unfounded. Some former customers fear that false information may be submitted to a credit reporting bureau and may affect their credit rating.

In a 2011 settlement, similar allegations were brought against National Credit Solutions (NCS) and Credit Control Services, collection agencies which were initially contracted by Hollywood Video and Movie Gallery after the companies filed bankruptcy in 2010.

While collection companies are within their legal rights to collect legitimate debts, Better Business Bureau serving the Snake River Region urges consumers to pause before paying:

Rewind:

Get proof of balances due to unreturned movies or unpaid late fees.

Request written proof of debts:

By law, collection agencies must provide validation notices within five days of contacting consumers about debts.

If calls inaccurately claim unreturned rentals: Video stores often do not provide return receipts, so write down all of the details: movie names, video store locations and return dates.

If old late fees were already paid: Try to locate documentation such as receipts, old check records, and credit card or bank statements.

Eject:

· Contest invalid debts: Contact any involved parties to clear up discrepancies. Contact the location: If it is a closed branch or franchise, try contacting the corporate headquarters to find out if they can address account problems. Be prepared to provide all relevant information. Consumers with complaints on Hollywood Video and Movie Gallery can email customerrequests@hlyw.com.

· Communicate with debt collectors: Write letters to collection agencies; dispute charges, state your case and include supporting documentation. Send letters via certified mail with return receipts.

· Check credit reports: Visit annualcreditreport.com to review credit reports on a yearly basis. Dispute false debts with the three major credit bureaus.

Stop:

If issues are not resolved, file complaints with the Federal Trade Commission at ftc.gov, Better Business Bureau at bbb.org, and the state Attorney General's office. Visit BBB's site for more tips on debt collectors.

Details on the reverse side of the Universal Fidelity Confidential Message details procedures individuals must follow to protest or dispute the charges.

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Scammers Pick Up the Phone in New Twist on BBB Phishing Scam

1/26/2012

Posted on 1/26/2012 by

Better Business Bureau is warning consumers about a new twist in the ongoing BBB phishing scam. Consumers now are reporting receiving phone calls – in addition to emails – from scammers claiming to be from BBB.

In the scam, callers offer help removing a virus from the recipient’s computer. They claim the computer was infected when the owner downloaded a virus from an email scam using the BBB name. Consumers reported scammers calling from 858-102-3252.

BBB is cautioning consumers not to give out any personal information to callers or to install or download any software they recommend.

Since late November, many consumers and business owners nationwide have received phishing emails appearing to be from a BBB.org email address. These emails inform the recipient of a non-existent BBB complaint against their business and encourage them to respond. In a newer take on the scam, emails urge the recipient to update their information with BBB by completing an online form. All emails either contain an attachment or a link to a third-party website, both of which download a virus on to the recipient’s computer.

Should you receive a suspicious email, don't click on any links. You can test the links by using your mouse to hover over them. The destination of the links will appear in a small pop-up box next to the link or at the bottom of the screen. See the screenshot (one word?) below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

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Condo Fraud Hits McCall Area Businesses Center

1/25/2012

Posted on 1/25/2012 by

McCall is noted for its spectacular year-round vacation and recreation opportunities. There are a number of luxury properties and condominium offerings in the area that make it a center for sales and services.

A number of businesses take advantage of this location to branch out and reach potential clients from across the nation. So, when we hear about a condo-reseller based in the area, it didn't sound suspicious until we checked into the address given on the company website.

Luxury Property Services claimed represent some of the most pristine resorts in the Mexican Caribbean. The website had photos of luxurious settings and condominium offerings. The descriptions were so inviting, the call to its offices made it hard to imagine something was wrong.

They listed office address as being in the newly developed Alpine Village complex. This address is a mixed-use building with commercial and condos. The office space is smartly located in the downtown area.

Kristin Amarante, director of owner services and events, says she's been receiving calls for weeks asking for the Luxury Property Services.

"I'm so tired of explaining to people that this company is not in this building," she says.

For weeks, she has fielded calls from potential investors trying to do their due diligence by investigating before buying. The callers become irate when she explains the office listed on the website is actually the office of First American Title Co., of McCall.

In addition, website lists a number with a 208 prefix.

"[Luxury Property] is not part of the Alpine Village complex," she says.

I emailed and phoned the company, requesting more information on the company and its McCall location, and disconnected and received no return email replies.

Timeshares, and their tag-along scams, have been around for many years now. They become extremely attractive when the weather changes.

BBB suggests taking these tips into consideration before buying or selling a timeshare or vacation interval.

Evaluate the location and quality of the timeshare. You want to do business with a reputable company in a location that you can see yourself visiting often in the long-term. Check BBB Business Reviews for information on timeshare companies at wynco.BBB.org.

Understand not just the benefits, but also the obligations of buying a timeshare. Though the cost may be lower than buying a second property, it does not mean that additional costs don't exist. There are maintenance fees and property taxes on every timeshare sold.

Read and understand the contract before you sign. Be aware of cancellation policies and other fees. Ask someone who has experience in real estate to read the contract to ensure that you are getting a fair deal.

Always cancel in writing. The Federal Trade Commission suggests that when canceling a purchase, you should always send a letter through certified mail with a return receipt request. That way, there is documentation of the interaction.

Be cautious of buying outside of the United States. If you buy a timeshare with a company that operates outside of the U.S., they do not have the same obligations, and you will not be protected under U.S. law.

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New Twist on Nigerian Email Scam, Targets Region

1/25/2012

Posted on 1/25/2012 by

The email comes from a Col. John Herman, and his claim is that while serving the U.S. military in Iraq, he and several came across a cache of money and need help getting it back to home.

"I served in Iraq for the last years. I am desperately in need of assistance and I have summoned up courage to contact you, presently am in Kuwait as we have been withdrawn from Iraq," the email states.

And it goes on from their to describe how they discovered millions in various currencies in "barrels with piles of weapons and ammunition at a location near one of Saddam Husein's old Presidential Palaces in Tikrit."

The email then grabs at the heartstrings of those who appreciate what the military has done during the past decade: "This might appear illegal but tell you what, no compensation can make up for the risks we have taken with our lives in that hell hole."

This is a variation of one of the nation's longest-running scams, with a new twist. Known as Nigerian letter scams, these "fund transfer" frauds request assistance in transferring millions of dollars of excess money out of a country and promise to pay the person for his or her help. The message is always of an "urgent, private" nature.

You may laugh at the insanity of falling for such a fraud, but the FBI reports annual losses of millions of dollars to these schemes.

There is no Col. John Herman, and it is illegal to bring this money into the United States and if you do, it is money laundering, which is illegal.

Here are steps to protect you from these scams:

If you receive a email from Nigeria, or any other country, asking you to send personal or banking information, do not reply! The BBB suggests you immediately delete or throw away any such correspondence.

If you have already responded to such a plea, or if you know someone who is corresponding in this scheme, contact the U.S. Secret Service as soon as possible (phone: 202-406-5572 or e-mail 419.fcd@usss.treas.gov).
Ignore individuals representing themselves as foreign government officials asking for your help in placing large sums of money in overseas bank accounts.
Be leery when strangers are eager to place unexpected, large amounts of money at your disposal, in exchange for your bank account number or other personal or financial information.

Cashier checks and money orders can be counterfeit. When a stranger sends a check or money offer to purchase a product or service from you, consult with your bank about the time it will take to verify the check, and wait for the funds to clear.

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Look Out for Super Bowl Scams

1/24/2012

Posted on 1/24/2012 by

With the Super Bowl just around the corner, Better Business Bureau is warning consumers to be on the alert for knock-off team jerseys, counterfeit memorabilia and phony game tickets.

“There are three good reasons not to buy counterfeit goods: theft, quality and security,” notes Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Counterfeit items are stolen goods. If you love your team, don’t buy a hat or jersey from someone who has stolen the team’s name and logo for their own profit. And counterfeit items are almost always more cheaply made, which means they won’t last as long as the real thing.”

But you may have an even bigger problem if you try to buy counterfeit memorabilia online. Several BBBs around the country have reported websites that don’t even have any merchandise to sell you…they just want your credit card number and personal information in order to steal your identity or drain your bank account. The best way to ensure you are getting official sports gear is to buy directly from the team or league websites, or from official vendors at the stadium.

Beware of Ticket Scams

Tickets for the big game can be an even bigger rip-off. There are thousands of Super Bowl tickets currently listed on Craig’s List, but the site offers no guarantees of any kind and does not require identification of its listers. Buying in person isn’t always an improvement, as it’s gotten easier and easier for scammers to make fake tickets that look real.

So where can you turn? Sites such as Stub Hub (www.stubhub.com) guarantee your tickets’ authenticity. There were 2,800 tickets available as of yesterday, starting at $2,450 a piece. Ticketmaster (www.ticketexchangebyticketmaster.com) handles ticket exchanges for the NFL, and had over 800 tickets available as of yesterday, starting at $2,864.

In general, avoid scams by being skeptical of:

Offers that sound “too good to be true”
Pushy sales tactics
Poor quality of merchandise
Offers that require wire transfer of funds

And always check out a business first at www.bbb.org/search.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

BBB Tips on Finding a Tax Preparer

1/24/2012

Posted on 1/24/2012 by

Most Americans will get assistance from a professional tax preparer or tax software when filing their taxes this year. Better Business Bureau encourages taxpayers to use caution when selecting tax preparation help. Using the wrong preparer could cause the taxpayer a lot of headaches, fines, and fees.

According to the IRS, 80 percent of Americans enlist the help of a tax preparer or tax software when filing their taxes. Unfortunately, every year BBB receives thousands of complaints from consumers against tax preparers. Complainants often state that the tax preparer made errors in their return, which resulted in fines and fees.

BBB wants to remind you, that you are responsible for the accuracy of information on your tax return, whether you prepare the return or hire someone else to do so. Consider these factors:

· Avoid tax preparers who claim they can get you bigger refunds than others, or larger ones than what you've gotten in previous years.

· Be very careful when choosing a tax preparer. Try to use preparers that others have already used and can vouch for. Remember if someone else prepares your return, you are ultimately responsible for all the information on the tax return.

· Avoid preparers who base their fee on a percentage of the amount of the refund.

· Consider whether the individual or firm will be around to answer questions about the preparation of your tax return, months, even years, after the return has been filed.

· IRS criminal investigation department reminds you to never sign blank tax forms.

· Before you accept the offer, consider the cost of “instant refunds” or “refund anticipation loans” that may be offered by tax preparers or the sellers of tax preparation software. The IRS will usually direct deposit your tax refund to your bank account within a few days after your return is filed. This can turn your “instant refund” into a very high cost short-term loan.

For more advice on finding professionals you can trust, visit www.bbb.org or call 208-342-4649.

BBB Advice: Proceed with Caution When Dating Online

1/24/2012

Posted on 1/24/2012 by

Valentine’s Day is right around the corner! Are you looking for love? Millions use dating and social networking sites to meet people. While many are looking to start a successful relationship, there are those using these sites to take advantage of others. Unfortunately, the anonymity of the internet makes it easy for con artists to use these sites to meet potential victims.

These con artists create fake profiles to build online relationships, and eventually convince victims (often seniors) to send money in the name of love. Better Business Bureau offers these tips to help you recognize when the relationship may not be what you think – especially when your “Sweetheart”

· Wants to leave the dating site immediately and use personal email or telephone.

· Claims love within moments of meeting you online.

· Claims to be from the U.S. but is traveling overseas.

· Plans to visit, but is prevented by some sort of emergency or deal gone bad.

Here are a few things that people can do to help prevent being scammed on dating sites. Don’t wire money to cover:

· Travel

· Medical emergencies

· Hotel bills

· Hospital bills for a child or other relative

· Visas or other official documents

Don’t send money to tide someone over after a financial setback, and don’t do anyone a favor by making an online purchase or forwarding a package to another country. One request leads to another, and delays and disappointments will follow. In the end, the money will be gone along with the person you thought you knew.

You can report online relationship scams to the FBI’s IC3 at www.ic3.gov, to your State Attorney General, and to the Better Business Bureau.

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Avoid Being Super Scammed by Super Bowl Scammers

1/24/2012

Posted on 1/24/2012 by

Avoid being super scammed by Super Bowl scammers

BBB offers tips for those super-fans looking for Super Bowl tickets or travel packages

Feb. 5, the New England Patriots and the New York Giants will compete for the title of National Football League champion. Indianapolis is expecting close to 150,000 visitors for Super Bowl XLVI, many of whom will be out-of-town fans traveling long distances to see their teams compete. Better Business Bureau reminds consumers to use caution when purchasing tickets or travel packages for the big game.

Those super-fans hoping to make it to the Super Bowl have a couple options when it comes to buying tickets to the game. Consumers can go through what’s known as the “primary market,” which consists of companies that contract with venues and promoters to sell seats at their events. Another option is the “secondary market,” which is a marketplace where people can buy and resell tickets they’ve purchased.

As the Super Bowl is one of the biggest sporting events of the year, Giants and Patriots fans can expect to pay a premium for their tickets. Most Super Bowl tickets are being advertised starting anywhere from $2,000-$15,000.

Nationally, BBB received 1,957 complaints against ticket sellers in 2011. Most complaints allege tickets were misrepresented, not delivered within the estimated timeframe or consumers never received their tickets at all.

Follow these tips when looking for a Super Bowl XLVI game ticket:

· Take the time to properly research and compare tickets. Go to www.bbb.org to find a trustworthy supplier or reseller.

· Ticket brokers should provide clear details concerning the terms of the transaction. For instance, whether the tickets are guaranteed; how they will be sent to you and the timeframe for delivery; and the broker’s refund, rescheduling and cancellation policies. Ask about surcharges.

· Do not buy tickets from Internet sites that are not secure or lack a privacy policy; fail to disclose their refund, rescheduling and cancellation policies; do not provide a telephone number and fixed place of business; or insist on cash payment.

· Verify the location of the seats on a seating chart to avoid being misled into purchasing obstructed view seats or seats that do not exist.

· Pay with a credit card or third party payment processors, such as PayPal, which offers additional protection and allows you to track your purchase.

If considering a travel package:

· According to the U.S. government's “Truth in Ticketing” rules, tour operators advertising a Super Bowl travel package that includes a flight and game tickets are required to have the game tickets in hand or a written contract for the tickets.

· Go to www.bbb.org to find a trustworthy travel agent or tour company.

· The details of the package should be listed in writing, including final price, travel itinerary, rescheduling and cancellation penalties, delivery information and all other specifics of the package, including the name of the hotel and airline.

· Pay with a credit card or third party payment processors, such as PayPal, which offers additional protection and allows you to track your purchase.

· Follow up with the travel promoter a few days before departure to confirm all reservations.

· Be skeptical of a postcard or phone solicitation saying you've been selected to receive a Super Bowl travel package.

BBB Phishing Emails are Back Again

1/19/2012

Posted on 1/19/2012 by

Another batch of those pesky lookalike emails claiming to be from BBB are in inboxes again across the Snake River Region.

BBB received a first complaint at 6 a.m. from a company in Boise. There have been several calls already fielded as well.

The email, is signed from the Utah BBB, and comes with no name reference, only a Case #, and states that a customer has filed a complaint with the BBB against the company.

If you click on the link, it will take you to

http://vellaband.com/search.php?page=977334ca118fcb8c

And, then, asks for installation of further plug-ins to allow it to load.

When searching for www.vellaband.com, a "404 Not Found" notice comes up.

Do NOT download anything from this address, as it may install a virus or malware software.

BBB's web address is http://www.bbb.org.

In addition, BBB Complaint communication is selected by the accredited business, when they join, and will be directly contacted by a BBB counselor by phone explaining why they are receiving the letter.

If a non-accredited business has a complaint filed against it, they receive notification by mail.

Puppy Scam Offers Warning to All Internet Purchases

1/19/2012

Posted on 1/19/2012 by
Marian, a 75-year-old grandmother from Nampa, is crazy for Maltese. These fuzzy, cuddly adorable dogs have been part of her life for many years, so when she began to look for a replacement to the one she'd lost, she was insatiably blinded to the signs of a scam.

"I looked in the newspapers," she says, "and there was never any puppies listed. So, I thought to myself, these young kids all list them on the Internet."

And, sure enough, there were puppies galore. With the listing of purebreds costing thousands of dollars, she became a little discouraged, but continued to search.

"And, then I saw this ad from a veterinarian who had a picture of these two little puppies being held by her daughter," she says. "I thought this was a miracle, and all they wanted was someone to adopt them and provide them with a loving, caring home."

Marian had fallen in love with a puppy. She is not alone. Each year BBB receives thousands of complaints of people who go online searching for the perfect companion pet. Too many are disappointed when they discover there is no puppy, and the money they'd spent to receive the animal had gone overseas.

After corresponding with the breeder by email, and sending off $180 for transportation, a second request for money tipped her off that she had been victimized.

"I worried all night long about that little puppy on the plane," she says. "I made this decision with my heart, and not my head."

Internet buying makes it so easy to fall victim when the heart is in the way. Too many people lose focus when they are searching for the ideal, and fall emotionally in love with the item before ever having physical confirmation of its existence.

Remember, this does not only apply to puppies, but any purchase you are making over the Internet. Key motto: Buyer Beware!

Here are some things to remember for online purchasing.

Over accommodating breeders.
Door-to-door delivery that requires a down payment or full payment upfront through a wire transfer.
Verify that pictures of the animal are up-to-date, and not simply someone else's puppy taken from another Internet site. Ask for a picture of the puppy with a copy of that day's newspaper posed next to it.
Use more than one method of communication. Email, fax or phone calls can sometimes give hints that the caller is outside the United States.
Make a payment with a credit card, since credit cards offer protection through cancellation. Wire transfers are hard to trace and cannot be recalled.
Ask for references, other people who have adopted or purchased an animal. Good breeders a proud of their litters, and will be accommodating.

And lastly, remember if you don't feel comfortable, or your subconscious nags you, walk away. Good bloodlines and breeders want to ensure that buyer, and their litter, are a happy match.

DISH Network Target of Switch Calling

1/12/2012

Posted on 1/12/2012 by

Living in Arco, Idaho, is full of good and bad experiences. Quiet solitude on the Snake River plain means peace and seclusion, miles from the Idaho Falls metropolitan area. It also means services are long distant.

Television reception is difficult at its best, resident Barbara McKee said. And that is why she has been a DISH Network customer for the past 12 years. Satellite reception is rarely disrupted and usually clear.

"We have a receptor on the roof," she says. "We've never had a complaint, and we get great reception."

So, McKee was more than a little puzzled when she received a phone call late afternoon this week telling her that her receiver must be changed to accommodate HD.

"When he was talking, it all sounded quite legitimate," she says. "But when he said I'd have to sign a new contract and pay $95, and I needed to give him my credit card, that just didn't sound right."

She asked to speak to a manager, and when a man identified himself, she promptly told him she was not going to give out her credit card, and hung up.

She said that's one of the good things about living in a small town of a thousand people, "gut feelings" come strong because there are not many people to call on for help.

Still feeling unsettled by the call, she contacted the DISH Network customer service number on her bill.

The DISH representative told her DISH does not call customers about service changes or upgrades.

Relieved she had done the right thing, she slept soundly.

It was a rude awakening when the next morning, she received a call from DISH Network explaining how they'd talked and how important it was for her to schedule the change immediately. And, again, asked for a credit card.

"I was upset now, because I knew it was a scam," she said. "So, I asked for a number I could call back on, hung up the phone and called the sheriff."

The sheriff's office report states the phone numbers were not associated with DISH Network.

Several attempts by BBB to talk with DISH officials - by email, chat and phone - ended in referral, transfer and disconnect.

"What we determined is a caller is claiming to be a DISH representative, and bumping the customer's service into a new contract," BBB Chief Storyteller Robb Hicken says.

BBB encourages consumers to investigate any options, add-ons or change of services being proposed over the telephone or Internet. Email offers should be questioned as well. If a company is making an offer, it will be well known to its customer service clerks.

Don't sign documents for service under duress, and make certain the company is valid by checking at bbb.org.

Publishers Clearing House Hits Mail, Hoax Soon Follows

1/11/2012

Posted on 1/11/2012 by

The Publishers Clearing House has a reputation for showing up on the doorstep and handing out big checks. When it happens, the winner's faces tell it all.

The "phishing" scam that follows close behind comes in a phone call or a lookalike letter, claiming a big check awaits the recipient. When it's accepted, the loser's face tells it all.

Publishers Clearing House Sweepstakes envelopes began hitting mailboxes across the Snake River Region this week, which means the scam calls and mail is soon to follow.

The scam goes as follows: a caller tells the person answering the phone he confirming the award winner for Publisher's Clearing House and that they have won a prize from the sweepstakes. There is a fee involved from the consumer to receive the money they have allegedly won.

Better Business Bureau CEO Dale Dixon says Federal law prohibits money to be paid in order to win a prize. Publishers Clearing House awards its prizes by a personal visit to the winners.

"If you should receive any phone calls or emails from Publisher's Clearing House indicating you have won a prize, but need to send money, don't! Contact Publisher's Clearing House directly for information at 1-800-459-4724, Monday - Friday 8:30 a.m. to 8:30 p.m. EST or visit their website at http://www.pch.com/

Never pay a fee, no matter how small, for winning a contest, sweepstakes or lottery, Dixon says. International lotteries are illegal in the United States.

Fake Emails From Federal Government Infects Computers

1/9/2012

Posted on 1/9/2012 by

Gameover Malware Targets Bank Account Information

Keep an eye out for an unsolicited email from the National Automated Clearing House Association (NACHA), the Federal Reserve Bank, or the Federal Deposit Insurance Corporation (FDIC) that infects your computer with malware targeting your bank accounts.

Called "Gameover" because it's on your computer, it steals user names, passwords and overrides normal authentication methods used by financial institutions.

According to the FBI, this is a variant of the Zeus malware of several years ago that targets banking information.

The malware strikes when the computer user clicks through a link claiming there are problems with your bank account or a recent transaction. The link takes the user to a phony website, but downloads the virus.

After retrieving the banking information, the perpetrators then attack the bank and steal funds. FBI reports the money is part of a larger money-laundering scheme.

If you think you've been victimized, contact your financial institution to report it, and file a complaint with the FBI Internet Crime Complaint Center .

Remember, banking institutions will never send you a request through the Internet concerning your account.

New Year’s Resolution: Avoid Holiday Debt by Starting a Christmas Club Today

1/4/2012

Posted on 1/4/2012 by

Did the holidays leave you in the hole for the new year? Did January’s bills ruin your holiday spirit? Are you determined that next year you won’t blow your Christmas budget?

Now is the time to plan ahead so the 2012 holidays are merry and bright, not overshadowed by looming debt. Starting a Christmas Club account might be the perfect way to get your finances off to the right start this new year. Better Business Bureau is advising consumers to plan ahead and make the upcoming year’s holiday season easier on the family finances by setting up a Christmas Club account now.

Traditionally, Christmas Club accounts have been offered at credit unions and most banks. Customers can set aside a small amount of money every month into a savings account until the fall, when they can then start making withdrawals to pay for holiday expenses. According to the Credit Union National Association, nearly 72 percent of credit unions run Christmas Clubs, and consumer interest in these clubs is holding steady.

Some retailers are also offering their own form of a Christmas Club that pays interest on the money you set aside with them throughout the year. However, unlike setting up an account with a bank or credit union, the money must be spent with that retailer.

“Along with taking the time to shop around for the best interest rate, it’s also important to read all of the fine print that accompanies such an account,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “A Christmas Club account is a great savings tool throughout the year and the perfect way for families to get a hold of their holiday spending.”

BBB recommends that it’s never too early to consider budgeting for next year’s holiday season and offers the following advice on setting up a Christmas Club account:

Build a budget and stick to it. Consider how much you spent in the previous holiday season to help anticipate how much you will want to set aside every month. To help you budget for the holidays, BBB, along with ClearPoint Financial Solutions, has developed an interactive budget tool that includes a holiday spending calculator.

Start saving now. The sooner you start setting aside money every month, the better. By setting up a Christmas Club account in January or February you’ll benefit more from the interest rate and start the year off on the right foot.

Shop around and ask around. While the interest rate on Christmas Club accounts is not typically very high, it can vary, so shop around for the best deal.

Read the fine print. Christmas Clubs are essentially short term savings accounts, but there are a few details that make them different. In some cases, there might be a minimum required deposit to open the account, or a minimum amount you must deposit every month. In addition, there is often a financial penalty for withdrawing the funds before the holiday shopping season arrives.

Automate the process. Most Christmas Club accounts allow for monthly automatic deductions from your bank account or paycheck. This helps lessen the pinch. Just make sure that you don’t set aside so much that you run the risk of overdrawing on your accounts.

Know the deal with retailer Christmas Clubs. Some stores are now offering their own Christmas Clubs. The money socked away with the business all year long can only be used at their stores, so evaluate your holiday shopping needs before signing up with a specific retailer.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

New Year’s Resolution: Lose Weight not Money

1/4/2012

Posted on 1/4/2012 by

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, Better Business Bureau recommends asking ten questions before signing on the dotted line.

Each New Year millions of consumers crowd into gyms armed with willpower and personal goals toward healthier, more active lifestyles. While it’s exciting to gear up towards a goal, it’s also important to treat this decision like any other major purchase. To date, BBB has received more than 6,600 complaints against gyms ranging everywhere from billing and collection issues to overall contract issues.

Joining a health club can be a major purchase, so first check out www.bbb.org/search to see how your club rates. BBB also recommends asking the gym and yourself the following questions before signing up for a membership:

Five questions to ask the gym:

What are the terms of any introductory offers? Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

Will my membership renew automatically? Many times people who joined a gym didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one, so make sure you understand what steps you would need to take to cancel your membership.

What happens if I move? Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

What happens if you go out of business? Ask the gym to explain what will happen to your money if they suddenly go out of business.

Five questions to ask yourself when looking at potential gyms/health clubs:

What are my fitness goals? Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient? If the gym is across town, you’ll be less likely to work out. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities, and make an informed decision.

Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit www.bbb.org.

Set up a Disaster Plan for Your Business and Employees

1/3/2012

Posted on 1/3/2012 by

Reacting to a natural disaster or emergency not only means ensuring the immediate safety of employees, but also planning how the business will continue to function in the aftermath. Even if your business is not located in an area that is a likely target for a natural or manmade disaster, you need to be prepared for the unexpected with a comprehensive business continuation plan. Better Business Bureau advises business owners to develop a plan of action should their business face a disaster.

Creating a disaster plan for your business is a great way to start the new year. According to the Insurance Institute for Home and Business Safety, one in four small businesses forced to close because of a disaster never reopens. Business that have a business continuity plan in place – and use it during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan.

“If your business lacks an emergency plan, a natural disaster can turn into a business catastrophe,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “But a solid emergency plan can give you a lot of peace of mind and a greater sense of security.”
After you’ve made plans to ensure the safety of your employees, BBB offers the following advice to help keep your business operating and meeting your customers’ needs in the wake of a disaster:

Don’t be caught off guard. Consider the different types of disasters—fire, flood, tornado, etc.—that can occur and how your business would respond differently to being displaced for a week, a month, or longer.

Know your surroundings. Determine alternate locations for your business to operate if you are displaced from your current building. This could mean enabling employees to work from home or finding an alternate location for your office or store.

Prepare your staff. Identify essential staff who are core to the operations of the business and keep a list of their phone numbers (home, work, pager, cell) and e-mail addresses that can be accessed by employees from several locations (home, Internet, etc.).

Communicate, communicate, communicate. Devise an emergency communications plan that outlines how your business will communicate with employees, customers, vendors and other key external contacts in the days following a disaster. Contact vendors and suppliers to confirm their emergency response plan procedures. Be prepared to use alternate vendors for essential supplies and equipment. Have your back-up equipment kept in good working condition.

Have an up-to-date inventory of your assets. Review your insurance policies to ensure that you have adequate coverage for items you cannot afford to lose. A standard policy may not cover business interruption losses.

Store your documents safely and efficiently. Keep duplicates of personnel, payroll, payables and receivables and other essential records at an off-site location. Regularly make back-up copies of important computer files.

Establish a succession of management for the company. Determine who will manage the company if key leaders are unavailable.

For more business tips you can trust, visit www.bbb.org/us/bbb-news.

Watch Out for Free Cruise Scams This Vacation Season

1/3/2012

Posted on 1/3/2012 by
As the winter months set in and the snow piles up, nothing sounds better than relaxing under a tropical sun. Winter and spring are prime cruising months, but Better Business Bureau is advising consumers to read all of the fine print before signing up for a special cruise deal.

In 2011, BBB received more than 1,300 complaints against cruises. While many cruise deals are legitimate, there are always those sneaky few that end up sucking thousands of dollars from victims. BBB is urging consumers to be cautious of unsolicited mail with offers of free or discounted cruises.

“Many times, scammers will send numerous e-mails, postcards, and other mailings trying to get you to call them in order to claim your ‘free cruise,’” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Don’t be fooled by professional looking websites either. Gather as much information as you can about the business, and ask a lot of questions before signing on the dotted line.”

BBB and CruiseCitic.com recommend the following tips to consumers who are looking to book a cruise getaway:

Don’t be a victim. Oftentimes, vacation scammers will use high-pressure sales tactics and make you feel coerced to buy the limited-time deal on the spot. A reputable business or travel agent will provide any information that you request, and give you time to decide before booking a vacation.

Always check the business first. If an offer sounds too good to be true, it usually is. Before giving a business any personal information, check out their BBB Business Review at www.bbb.org/search. Consumers can also contact the Cruise Lines International Association (CLIA) for information on finding a reputable travel agent.

Pay with a credit card. For your best protection against a dishonest seller of travel, always pay for your cruise fare -- both the initial deposit and the final payment -- with a major credit card such as Mastercard, Visa or American Express. If problems arise, you may be able to dispute the charges with your credit card company. Important note: This protection may not apply to those using debit or check cards; it's important to confirm policies with your issuing bank before you charge.

Ensure your money is in the right hands. After you've made a payment, review your credit card or bank statement and make sure that any applicable charges originate directly with the cruise line, not with the travel agency. That way, you'll know that the cruise line has definitely received your money. If you must pay by check or money order, it should be made payable to the cruise line -- not to the agency or to an individual.

Get proper confirmation of your booking. Insist on getting the actual cruise line's confirmation numbers, not just a confirmation number from your agency. Not only will you then know that your information and money is in the right hands, but you'll also be able to pre-reserve shore excursions, restaurant reservations and spa appointments (where available) on the cruise line's website.

Don’t be afraid to ask lots of questions. Before signing on the dotted line make sure all of the details have been clearly outlined and the pricing has been thoroughly explained. Double check whether there are hidden cancellation fees, port charges, or insurance processing fees that haven’t been covered.

Consider investing in travel insurance. Travel insurance can provide protection in the event of an accident, an illness, lost luggage, or a canceled or interrupted trip, among other things. Follow the same steps outlined here when buying travel insurance.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Names Top Ten Scams of 2011

1/3/2012

Posted on 1/3/2012 by

Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (www.bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.

We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.

Top Social Media/Online Dating Scam

On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.

Top Home Improvement Scam

Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at www.bbb.org/search.

Top Check Cashing Scam

Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.

Top Phishing Scam

“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site “verify” you account information, or it may download malware to infiltrate your computer.

Top Identity Theft Scam

There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.

Top Financial Scam

In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50₵ to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.

Scam of the Year

Yep, it’s us – the BBB phishing scam. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.

BBB Snake River Region Names New Board of Directors

1/3/2012

Posted on 1/3/2012 by
The Better Business Bureau, Inc. serving the Snake River Region announces the following names as the individuals to serve as Officers and Board of Directors for 2012:

Scott Madison, Intermountain Gas Company

Steve White, Berkeley Inc.

Ted Sermon, Sermon Service and Electric

Joan Stephens, Stronghold Remodeling

Ken Carroll, URS

Julie Armes, Premier Insurance

Damond Watkins, Melaleuca Inc.

Neal Custer, Custer Agency

Paul Carew, Carew Company

Greg Carlson, OnTrac Coaching

Bryan Elliott, Willow Park Assisted Living

Connie Eshelman, Edward Jones

Mark Falconer, Retired - Hewlett Packard

Andy Fujimoto, Ameriben/IEC Group

Chad Hammond, I.E. Productions

Jeff Hart, KeyBank

Charlotte Hildebrandt, Intermountain Agency

Ryan Holden, McAnaney Law Firm

Marie McGlynn, Journal Broadcasting Group ID

Matt Porter, Cornerstone Financial Group

David Waldo, Field-Waldo Insurance

Appointed to serve the organization in an advisory capacity are:

Cassie Benson, ClearVoice Telecom

Steve Barbey, Atova Real Estate

Kelly Bohnsack, Bank of the Cascades

Kendra Dean, Western Recycling

Camille Olson, Aflac

The Better Business Bureau is a not-for-profit organization with offices in Boise and Idaho Falls. The purpose of the organization is to be the leader in advancing marketplace trust.

Top Scams of 2011

1/3/2012

Posted on 1/3/2012 by

BBB Names Top Ten Scams of 2011

We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Top Social Media/Online Dating Scam

Top Home Improvement Scam

Top Check Cashing Scam

Top Phishing Scam

Top Identity Theft Scam

Top Financial Scam

Top Sales Scam

Scam of the Year

Don't Let Your Guard Down When Dealing With Credit Cards

12/29/2011

Posted on 12/29/2011 by

Judie Dietzler is a professional when it comes to dealing with scam artists. Several years ago she was asked to testify in a major case prepared by the state Attorney General’s office.

So, when she suddenly realized she’d made a horrible mistake by giving out her credit card information to a complete stranger, she was near panic.

“I immediately called the BBB to see what I should do next,” the 66-year-old Meridian resident says. “You can be so savvy, and then there’s just that one lapse.”

Dietzler says she tried to recognize the signs of a scam, but was distracted by several negative occurrences that had happened during in the day. The caller said he was with her bank, and was working with credit card clients to lower their interest rates. This was a classic phishing scam.

“I said, ‘My Visa card,’” she says, “and he immediately replied, ‘Yes.’”

And then she told the caller she had several credit cards, and asked which Visa card he was calling on. He immediately responded: “all of them.”

“He said, ‘We want to make sure you get the best rate on all the cards,’” she says.

Without knowing it, she’d opened the door, allowing the scam to proceed. The caller then asked to verify the card number, offering assurances the account numbers required more identifying information – pin number, security code, expiration – before they could be misused.

Obligingly, she offered other confirmation information – her birthdate and the last four digits of her social security number.

The caller asked for her interest rate, so when she returned from looking for the information in her files, he simply stated his supervisor had closed the day’s books, and he would call her back next month.

“As soon as I hung up the phone, my sixth sense kicked in, and I realized I’d done something wrong,” she says.

Dietzler did the right thing next, however, she called BBB to find out what she should do to protect her identity and her credit.

Remember, card-issuers will never call or email you, asking you to ‘verify’ your account information. They already have it.

You are your own best line of defense to protect yourself from credit card fraud. Here's how:

· Sign your card immediately when you receive it in the mail.

· Carry only the cards you expect to use, and keep them secure.

· Secure — in your home — other cards you may not regularly use.

· Keep a list of account and telephone numbers for your card issuers in case your cards are lost or stolen. Once you report the loss or theft, you will not be liable for unauthorized charges.

· Keep a copy of this list both at home and at your work.

· Notify your card issuer(s) in advance if you have a change of address.

· Be very cautious about giving anyone your account number.

· Do not give your cards to anyone.

· Keep your pass code and personal pin number secure. Do not put it in writing… and do not share it with anyone.

· Use only reputable companies with secure websites for online shopping.

· When you are expecting a new or replacement credit card or debit card, look for it in the mail.

· Report a lost or stolen credit card or debit card immediately.

Steps to Take to Avoid Receiving Unwanted Calls

12/29/2011

Posted on 12/29/2011 by

While more than 150 million numbers have been added to the National Do Not Call Registry, the Better Business Bureau continues to get calls from people who aren't aware of this resource.

The registry began in 2003 to give consumers a choice on telemarketing calls. It's managed by the Federal Trade Commission (FTC). If you decide to register your number, telemarketers covered by the registry have 31 days to comply and stop calling you. If they continue to call you, they can be fined thousands of dollars.

At first, numbers were to be re-registered every five years. That was changed in 2008. A number will only be removed if it's disconnected or reassigned, or the consumer opts to remove it.

Calls from some organizations are exempt, including:

Political organizations.

Charities, although you can ask a third-party telemarketer to stop calling you on a charity's behalf.

Telephone surveyors, if the call is really for the sole purpose of conducting a survey. Unfortunately, this is a common area of abuse. If callers shift from taking a survey to selling, they're violating the registry's rules.

Companies with whom you have an established business relationship, which is defined in several ways. They include companies with whom you've had an actual relationship within the past 18 months; or companies you've requested information from, or applied to, in the past three months. You can, however, ask them to stop calling you.

Here are other important provisions of the registry:

The FTC does not allow private companies or other such third parties to register numbers. Offers to do so -- particularly for a fee -- are almost certainly a scam.

The registry is only for personal phone numbers. Business-to-business calls and faxes are not covered.

If you want to receive some telemarketing calls, you can give the companies written permission to call you even though your number is on the registry.

Even if you don't add your number to the registry, you can prohibit individual telemarketers from calling by asking them to put you on their do-not-call list.

To register a number, call 1-888-382-1222 or visit donotcall.gov. The website also has information on registering multiple numbers, deleting a number, and filing complaints.

You can register cell phone numbers on the same Do Not Call Registry. Telemarketers, however, generally use automated dialers to place their calls, and other laws prohibit using them to make calls to cell phones anyway.

If your number is on the registry and you get an unwanted call from a non-exempt organization, that's a red flag of a possible scam.

Don't Get Swept Away in Sweepstakes Winning Scam

12/27/2011

Posted on 12/27/2011 by

When it comes to moving a house from one part of town to another, it takes preparation, planning and practice. It's more than just calculating the width of a road, or the height of a house (to avoid wires) but how to avoid other problematic situations.

"You plan for everything, because you can't afford to miscalculate," says the moving company owner, who asked to not be identified.

It's not even so much the distance as it is time constraints, coordinating with power and highway officials and dealing with the homeowner's demands, says the 52-year-old Meridian man. And, then there's the weather to worry about.

"I generally don't miss a beat when it comes to getting the job done," he says.

Calculative and precise with unwavering judgment, he moves homes throughout the Treasure Valley.

But, several thousand dollars later, he suddenly realized his judgment had been impaired when dealing with a $45 million sweepstakes award scam. Despite being around for decades, the lust of winning continues to weaken good people. Fraudulent win notices for lotteries or sweepstakes promise prizes or big bucks and ask for personal information or funds to cover taxes or fees.

"They're really good, and they can talk you into stuff. It sounds so official and real," he says, and asked that his name not be revealed. "And, the amount of money could have helped out our family, especially this time of year."

For almost a month, he has been fending off more calls claiming he was "so close" to receiving his check. And other fraudulent calls that claimed to be from the FBI - a team working to get his money back. There have been more than 200 calls, he estimates.

"I just don't want anyone else to get drawn into this 'mess,'" he says. "They make it sound so good. They have the IRS, the FBI and a forged check from Bank of America."

BBB chief storyteller Robb Hicken says this scam has been around for years.

"Don't fall for a sweepstakes scam - international lottery or international sweepstakes," Hicken says. "They are against the law in the United States, so there is no way you could win this sweepstakes."

Other warnings signs include:

•Don't pay to collect winnings. In legitimate cases, shipping and other fees are taken out of the winnings before the money is sent. Taxes on winnings would be handled with tax returns to the IRS.

•An application asks for detailed personal information is required to retrieve the winnings.

•The consumer doesn't remember entering the contest. Lottery tickets must be purchased, sweepstakes usually involve application paperwork, and government grants have a thorough application process.

•The consumer is asked to forward a portion of the money received back to the organization, sender or to another company to pay for taxes, shipping, fees, etc.

•The name on the check does not match the name of the company or person the consumer is dealing with.

•A lottery application or win announcement comes via telephone or mail from outside the country.

Contractors Targeted by Virtual Company

12/22/2011

Posted on 12/22/2011 by

Electrical contractor Jamie Berg thought he'd found an answer to a dilemma when he received a phone call from an organization that supposedly lines up contractors to do work on bank-owned properties in the region.

Centerline Electric, in Nampa, in business since 1999, has kept work in the construction area even during the downturn, but more recently, things continue to be stagnant.

"We just finished up, what I'd consider, a big job," Berg says. "So when I got a phone message from a guy saying he's from a construction outfit, I called back."

ContructionCrews.com, with a physical address listed in San Jose, Calif., is calling area contractors making offers of work. Its website states they are trying to "connect the local contractor, handyman, or trade service provider with the tools and projects needed to sustain a reasonable addition to there monthly project list."

Berg says, "I called the number and a woman answered and after she told me they were looking for electrical, plumbing and painting contractors in our area, she immediately asked for my credit card to do a credit check."

That's when he says he questioned the legitimacy of the program, and asked for written material. The amount sought was $100.

"I said, 'I've not done any business with you before, so I don't feel comfortable giving you my credit card, just yet,'" he says.

BBB shows no such company registered with Idaho or California, and upon investigation, could not obtain information after calling the phone numbers listed on the website. BBB also had no response from emails.

BBB of Silicon Valley reports receiving several phone calls about this company, but could not verify validity, its type of business, or a physical address. There is a "virtual" office located at the address provided on the website. However, there is no business under this name listed there. A secondary name on the website was Construction Place, but no information was available, either.

Earlier this year, BBB of Los Angeles reported CommercialCrews.com operating from the same address in San Jose, but could not locate an office. They reported several businesses claiming to pay for offers on the website, but never received services or benefits.

"It's not uncommon to do background checks on contractors, but this one just didn't sound right," Berg says.

BBB Warns of Phone Scam Aimed at Hotel Guests

12/20/2011

Posted on 12/20/2011 by

Many people will be traveling to see family and friends in the next few weeks. Scammers know this too, and may try to trick you into divulging your credit card information by posing as hotel employees. The BBB is warning holiday travelers to beware of a telephone phishing scam designed to steal credit card numbers.

A hotel guest in the Memphis, Tennessee area alerted the BBB to the scam. Many BBBs around the nation have received similar calls. Since travel and hotel stays tend to increase over the holidays, the scammers may be ramping up their efforts during the holiday season.

How the Scam Works

A hotel guest receives a phone call in the wee hours of the morning. The caller claims to be a hotel employee who needs to get your credit card number because:
1. The hotel encountered a problem processing your credit card and they need to verify your number.
2. The hotel's computer system has crashed and they need to get your credit card information again.
3. The hotel's system has crashed and your credit card information is needed for an audit to be conducted shortly.

All plausible scenarios. The crooks are counting on catching you while you are sleeping, so you aren't thinking clearly. And they might even offer you a discount on the room for the inconvenience.

The callers are very convincing. According to one hotel guest, the caller sounded very professional. However, hotels generally handle any questions about billing at the front desk, not over the phone. And they certainly wouldn't be calling you in the middle of the night.

BBB Tips to Protect Yourself from Being Victimized

* Never give your credit card or banking information over the phone to someone you don't know.
* If you're staying at a hotel and get a call from someone claiming to be a hotel employee, hang up the phone and call the front desk yourself. Better yet, go down to the front desk. Chances are the call didn't come from the hotel.
* Remind friends and family not to provide credit card information over the phone during a hotel stay.
* Please share this information with friends and family who may be traveling this holiday season.

BBB Warning: eBook Scams Rip Off Readers, Authors And Publishers

12/20/2011

Posted on 12/20/2011 by

The growing popularity of electronic books for devices like the Amazon Kindle, the Barnes & Noble Nook and other devices has inspired scams by unrelated firms that target readers, authors and authorized book publishers, the BBB warns.

E-book sales are growing exponentially, according to the American Association of Publishers. For the first eight months of 2011, e-book sales totaled $649.2 million. In February, sales of e-books eclipsed those of traditional paperbacks. And e-readers are expected to be a hot gift item for the holidays.

Readers love the convenience of e-readers, which allow them to carry several books around in a compact format. But consumers need to be careful when making e-book purchases if they want quality reading materials without unwanted advertising or malware. They also may want to avoid buying plagiarized or worthless books.

Some scams target consumers, offering worthless material at a low price that inspires impulse purchasing. Others target authors or authorized publishers by pirating books published legitimately elsewhere. Common scams include:

E-books filled with useless and often badly written information sold for a couple of dollars. Malware is sometimes attached in order to obtain your credit card information.
A single book is given different editorial spins and then sold under different titles or authors’ names.
Material is plagiarized from websites and blogs, then packaged into an e-book and sold.
Writing competitions that offer to publish winners’ work digitally. Although the contests include entry fees, the cost to publish digitally is minimal.
E-readers spammed with ad-laden works and hotlinks to both commercial and malware sites that load viruses onto your machine.
E-book purchases and sales used to build up credentials for bogus sellers and buyers on auction sites.

To avoid e-book scams, the BBB advises:

Take a good look at the website that offers the item. Does it have a BBB Logo? If it does, click on it to see if it’s legitimate (a BBB dynamic seal will take you to the company’s BBB Business Review.
Make sure that the site is secure when you place the order: Look for https:// at the beginning of the site’s URL (website address) on the page where you enter payment information.
Stick with authors you already know or those who have an established reputation.
If you decide to buy from an unfamiliar author, see if you can download a free sample first to test the quality. Some sites allow you to preview a book before you buy it.
Don't be taken in by great reviews that accompany cheap e-books. They may be genuine or the writers may have been paid to produce them.
Do a search on the book name or author to see what other people say or how many other books the author claims to have written.
Don't click on links inside an e-book unless it's by an established, reputable author and sold through a legitimate website. Even then, it’s advisable to visit the author’s website using your Internet browser rather than using the link.
If you believe you've been scammed, seek a refund. You should also register your complaint with the seller's customer service department. And, if all else fails, do other readers a favor by writing an honest review of the book.

Road Safety Tips for Holiday Road Trips

12/19/2011

Posted on 12/19/2011 by

Plan ahead for safe holiday travels

With less than a week until Christmas, many families are finalizing their holiday plans. Whether you’re taking a trip to a family member’s house or a friend’s house, BBB recommends putting some extra thought into your travel plans.

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather on the road. AAA projects 91.9 million Americans will travel during year-end holidays. Staying safe should be a top priority for all travelers so BBB recommends taking a few precautions before hitting the road:

· Plan your route. Take time to plan out the route you will take. Research areas you will be driving through and familiarize yourself with the landscape and weather conditions expected during that time.

· Take your car in for routine maintenance. Take your car in to make sure it is safe to drive for long stretches. At the very least, check the car’s fluid levels, wipers and tire pressure. If you plan to drive through serious winter weather, consider getting snow tires or chains.

· Make hotel reservations ahead of time. If planning for a long road trip, plot out your stops and make hotel reservations where needed. Having a guaranteed reservation will help to save time.

· Avoid flying objects. Pack your car efficiently to avoid luggage becoming projectiles during a sudden stop. Store heavy items such as suitcases and strollers low in the seat. Anything else being stowed in an open cargo area should be strapped down.

· Don't advertise your travels. Avoid leaving road maps in plain sight inside your parked car. Park your vehicle where you can see it from a restaurant or store. At night, take everything that is in plain view with you into your hotel room.

· Create an emergency contact list. Write down important numbers you might need during your trip or should anything go wrong, including family members, friends, towing companies and hotels.

· Create a vehicle safety kit. Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include blankets, a flashlight with extra batteries, a radio, a first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

It’s Still Out There! New Advice for Recipients of BBB Complaint Email Scam

12/16/2011

Posted on 12/16/2011 by

An email scam using the Better Business Bureau’s name and logo continues to proliferate across North America, and even to some overseas addresses. Most of the emails carry the famous BBB torch logo and come with the subject line “Complaint from your customers.” The emails have a link or an attachment containing malicious phishing malware that steals information, often with devastating results.

Larry Andrus is a member of the board of directors of BBB Western Michigan and also the CEO of Trivalent Group, Inc., a BBB Accredited Business that helps its clients manage, access, protect, and store their data. One of his firm’s clients opened the affected attachment, which launched malware that quickly found the accounting office’s computers, accessed bank numbers and passwords, and nearly completed a fund transfer from the company’s account.

“We had to completely wipe the computers in order to contain the damage to our client,” said Dawn Simpson, Trivalent’s vice president of marketing and business development.

Because of experiences such as this one, BBB has updated its advice and recommends the following to anyone who receives the email:

• Do not open any attachments
• Do not click on any links
• Delete the email from your inbox, and then delete it again from your trash or recycling folder
• Run a full system scan using reputable virus software

Previously, BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. But due to the virulent nature of the virus, the new recommendation is for everyone who receives it to do the scan. In offices or homes that are networked, all computers should be scanned.

Chris Garver, Chief Information Officer at the Council of Better Business Bureaus, recommends that all domain owners set up a sender policy framework (SPF) and set their spam filter to use it. “Using the SPF standard helps fight spam and phishing attacks by allowing your email servers to verify whether an email is legitimate…or not,” he says.

Microsoft offers a simple, four-step process for setting up an SPF: www.microsoft.com/mscorp/safety/content/technologies/senderid/wizard/

If you receive an email saying your business has a complaint filed against it with BBB, there are several things you can do to authenticate it:

• Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
• Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office.
• Hover your mouse over the link to see if its destination is really a bbb.org address.
• Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.
• If you still are not sure, go to www.bbb.org to find your local BBB, and send them a new email to ask if you have a complaint (do not Reply to the email you received, or forward it to them). They have been swamped with requests, so you may not hear back immediately.

CBBB is working with federal law enforcement agencies to identify the perpetrator of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

Callers Pretend to Be Microsoft Virus Scanners

12/14/2011

Posted on 12/14/2011 by

Caldwell resident Donae Thompson, 31, could not understand how someone would know she had a problem with her computer, since she hadn't reported any problems to Microsoft.

"He said they'd been receiving messages from my computer saying there was a problem", she says. "He wanted me to open my computer, and allow them to show me the errors, problems, and viruses that were happening in the computer."

The caller asked for his supervisor, when Thompson challenged the credibility of the call, and the supervisor told me where to go on Windows, as if to show a validity of the call.

"That's when I stopped," she says. "I thought to myself, 'What am I doing, I don't know if these people are really from Microsoft.'"

Idaho consumers are getting calls from phony tech support specialists wanting access to personal computers as a ploy to steal information, passwords and bank accounts. They pretend to represent Microsoft or Windows, and talk individuals into allowing them remote desktop sharing access.

"They said they were from Microsoft, but, when I talked to them a bit, they changed their story and said they were with ammyy.com," she says.

Consumers say the scammer demanded payment for installing "security software," or provide cleaning services. Other agencies reported the browsing through personal and banking information.

Thompson took action and got off the phone and shut down her computer, closing any access to the computer. Most consumers hang up rather than completing the steps, but the tech support scammers often call back.

Keep these points in mind:

•Microsoft and other computer and software companies do not make unsolicited calls offering tech support.
•Do not follow the caller's instructions. If you need tech support, contact the computer or software company at a number you know to be valid.
•Never share personal information, such as bank account and credit card numbers, with anyone you don't know who contacts you.

If you've fallen victim:

•Contact your bank or credit card company to dispute the charge for any money you paid.
•Immediately run anti-virus and anti-spyware software on your computer.
•Monitor your credit report and place a security freeze on your credit, especially if you store sensitive financial information on your computer or use it to bank online.

Protect Your Mail This Holiday Season

12/14/2011

Posted on 12/14/2011 by
With the mail picking up for the holiday season it’s a good time to focus on mail theft.

Mail fraud can mean anything from non-delivery of mail-order merchandise to mail actually being stolen. Not only do criminals steal packages containing presents and cards filled with money or checks but personal information in your mail can be used by criminals to steal your identity.

Preventing Mail Theft:

Do not leave outgoing mail in your unlocked mailbox.

Deposit mail in a collection box or inside your local post office.

Promptly pick up your incoming mail after it is delivered.

Arrange for the installation of locked group mailboxes for neighborhood delivery. These are Neighborhood Deliver & Collection Box Units (NDCBU). Each address has an individual locked unit for delivery and collection. At least seven neighbors are needed to sign a petition requesting an NDCBU.

Install a locked mailbox or convert your unlocked box to the lockable type.

Have mail delivered to a Post Office Box or Personal Mail Delivery Service.

Use Direct Deposit and Electronic Banking to avoid checks in your mail.

Contact the senders if you don’t receive credit cards, checks, or other valuable mail.

When out of town have the post office hold your mail or have someone your trust pick up the mail daily.

Be observant of and report suspicious activities on your street, including those near your letter carrier, the postal vehicle, residential mailboxes, and collection boxes.

Notify the post office and people who will be sending you mail that you have a change of address.

To stop receiving pre-approved credit and insurance offers call: 18885OPTOUT (1-888-567-8688) or visit: www.optoutprescreen.com

Five Years of Industry Self-Regulation Results in Remarkable Changes in Food Advertising to Kids, Says BBB

12/13/2011

Posted on 12/13/2011 by

Arlington, VA – Five years ago, leading food and beverage companies made a major commitment to be a part of the solution to childhood obesity by agreeing to limit what foods they advertise to children under the age of 12. The Council of Better Business Bureaus (CBBB) launched the Children’s Food and Beverage Advertising Initiative (CFBAI) in November 2006 with ten charter companies.

The CFBAI released its annual report today and provided a five-year retrospective on the changes in children’s food advertising and on the program expansions that have made this self-regulation program even more robust. The report noted there was excellent compliance with the participants’ commitments to advertise to children only products meeting meaningful nutrition criteria or not to engage in child-directed advertising.

“Thanks to CFBAI’s participants, kids now see ads for a wide variety of healthier products, including cereals, crackers, yogurts, soups, snacks and meals, that have less sugar, sodium and fat, and are more nutritious,” said Elaine D. Kolish, CBBB Vice President and Director of CFBAI. “These days, children are regularly seeing ads for products that include, for example, whole grains.”

The CFBAI itself has changed with the times, expanding the scope of the program to cover new and emerging media, such as child-directed ads on smart phones and ads on children’s video games and DVDs. Participation also has grown to 17 companies, which represent the vast majority of food and beverage advertising to children.

“The companies that participate in the CFBAI have made major changes in their business practices since the program was launched,” stated Kolish. “Under self regulation, they’ve significantly improved the products in child-directed ads in both traditional and new media, none are advertising to kids in elementary schools, and none are doing product placement in child-directed entertainment or editorial content.”

Its most significant advance in 2011, its fifth year, was the issuance of new CFBAI category-specific uniform nutrition criteria. “The new criteria build on what CFBAI’s participants already have accomplished ─ achieving product improvements without sacrificing taste, which any parent will tell you is more than half the battle,” said Kolish.

The new uniform nutrition criteria establish limits on calories, saturated fat, trans fat, sodium and sugars for ten product categories, and include requirements for nutrition components to encourage, such as vegetables, fruit, low-fat dairy, whole grains, and essential vitamins and minerals. The new criteria require participants to improve many products they currently advertise to children ─ products that already meet meaningful nutrition standards ─ if they wish to continue advertising them after these criteria go into effect on December 31, 2013.

For a copy of CFBAI’s five-year report, please contact Kelsey Owen at 703-247-9376 or kowen@council.bbb.org

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Incorporated; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the current pledges of the participants visit: www.bbb.org/kids_food.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau^® is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

12 Schemes of the Holidays

12/12/2011

Posted on 12/12/2011 by

Gifts and appeals may seem true, but Better Business Bureau serving Snake River Region says be aware of the top 12 schemes of the holidays:

12. Trip Troubles: Before visiting relatives, evade overly enticing travel deals. Watch out for unexpected hotel and flight "confirmation" or "cancellation" notices—which trick consumers into clicking unsafe links to "stop" unreal reservations.

11. Getaway Goons: When shopping or vacationing, don't become a target for theft. Guard belongings, be observant and pack lightly. Avoid broadcasting travel plans or empty homes on social networks—as it may entice burglars.

10. Cheating Charities: Be skeptical of seasonal charitable solicitors who use high pressure tactics, won't answer basic donation questions or can't provide proof of charity affiliation. Don't trust solicitations with invoices for past due payments.

9. Good-For-Nothing Gift Cards: Avoid purchasing from disreputable third parties and examine gift cards closely for terms, restrictions, fees and expiration dates. Use cards early as they may become non-redeemable if retailers go out of business.

8. Gotta-Have Goodies and Gadgets: Dodge deceptive deals and "free" offers on desirable toys, jewelry and electronics in audacious auctions, classified ad sites, social media posts, pop-up ads, online coupons, sweepstakes and surveys.

7. Cruel Credit Catches: During the big spending season, discard ads and offers for high-interest credit cards, costly layaway programs and payday loan traps.

6. Jester Jobs: Laugh off limited-time job offers for high-paying mystery shopping gigs and online work-at-home tasks. "Employers" may steal data from applications, fail to send start-up materials or induce paycheck money transfer schemes.

5. Suspicious Santa Sites: Steer away if "Santa" requests unnecessary personal data, doesn't abide by advertising laws or fails to disclose contact details and privacy policies.

4. Dodgy Domains: Dangers may be hiding in holiday-themed articles, music, screensavers and other downloads. Before surfing the Web, social media sites or emails, update anti-virus protection and check firewalls. Avoid shopping or banking online on unsecured Wi-Fi networks at public places, like airports and hotels.

3. Hacking Holiday E-Cards: Do not click links or attachments in e-cards and other holiday greetings from unfamiliar senders. Ensure spam filters are set.

2. Bogus Bank Emails: Disregard sudden emails or text messages about bank account issues. Instead, contact banks or financial institutions directly to verify.

1. Deceiving Deliveries: Don't accept notices about delivery delays or confirmations on unordered packages; phishers and smishers often pose as well-known retailers or shipping companies to gain false credibility.

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/12/2011

Posted on 12/12/2011 by

As much as pet owners may want to take their furry or feathered friends with them wherever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. To date, in 2011, BBB has received more than 400 complaints arguing disputes over billing, and over the treatment of the pet – which is up from the 273 complaints filed in 2010. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst-case scenarios include pets that became extremely ill while boarding at poor facilities which resulted in lengthy stays at the animal hospital.

“Our pets are like family and the last thing we want to do is stress over their care during the holiday season,” said Katherine Hutt, BBB spokesperson. “Take a few moments to do your research and find a kennel you can trust so your time out of town will be easier for you and your pet.”

If you are looking for a reliable kennel, BBB recommends the following checklist:

Check them out and get recommendations. Always check out the kennel with BBB at www.bbb.org first to make sure they have a good track record for keeping customers satisfied. Also ask your friends, neighbors, veterinarian or local animal shelters for recommendations.

Make a visit. Personally visit the facilities you are considering before scheduling the boarding. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.

Ask lots of questions. If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof. Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times. Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise. Ask about the hours for drop off and pick up and make sure you understand their billing policy. Finally, ask what happens in case of a medical emergency or other unexpected situation.

Go with your gut. Note the friendliness of staff members and how they interact with the boarded pets. Ask about their background and experience. If your state requires inspections, look for the certificate on the wall and make sure the kennel is properly licensed. Make sure the facility requires that all entering pets have proof of immunization, and ask about their policies regarding flea and tick control.

For more advice on finding reputable businesses around the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday.

Amazon.com Email Phishing Scam Hits Treasure Valley Residents and Businesses

12/9/2011

Posted on 12/9/2011 by

Elliott Sheffield, owner of Unified Office Services in Boise, does all of his work online. Each day telephone and online office supply orders are filed, and he processes them and fills them through distributors in Salt Lake City and Denver.

He says he spends a couple hours a day processing and working on the computer, so when he received a confirmation order from Amazon.com, he naturally opened the email.

"I wondered what had been ordered," he says, but didn't recall making a purchase, and his wife, too, said she'd not bought anything recently. "It was a fat-loss computer program for $149.50."

As he clicked on to open the link and view the order further, his computer slowed, whirred and popped up a warning: Virus Found!

Sheffield discovered that Amazon.com, the online reseller of books, CDs and DVDs, is again target of phishing scammers. During the past several months, scammers have used look-alike emails claiming to be "Credit Card Error," "Order Confirmation," "Credit Card Refused."

"When my anti-virus software caught the problem, I just deleted it," Sheffield says.

Amazon.com says apparently, the scammer hopes recipients who have recently made Amazon purchases will think their orders have been confused, there was a billing error, or trouble with a recent purchase.

"Look-alike phishing emails have been around for some time, but the new email are getting more elaborate, more closely resembling the company's logo, colors and styles," says Robb Hicken, chief storyteller at BBB serving the Snake River Region.

If you receive a suspicious email - from Amazon or another usually trustworthy source - go directly to the company rather than responding through the email. Generally this will redirect you to a lookalike webpage, which will ask for financial information.

"Don't give out personal or financial information to anyone you don't know," Hicken says. "If you've done business with Amazon.com, they will have your information already in their system, and will not request it via email."

Never click on a link in any email that throws up "red flags." Instead, contact the company directly - by phone or by typing its web address manually into your browser.

Scams Steals Homeowner's Identity and Management Firm's Listing

12/8/2011

Posted on 12/8/2011 by

For Morgan Wigle, Summit Property Management, December has been anything but a holiday.

Summit Property has a home on the east bench near HP for rent. It's a modest home of 2,632 square feet on Dalspring Avenue.

When Wigle started getting calls about the property, he was glad to see it had been noticed quickly, without any additional advertising. The size of the home was of some concern, but Wigle said it was priced right.

"I'd received eight or nine calls on the property," Wigle says. "But, I got concerned when several of them mentioned they'd emailed the homeowner."

A bogus craigslist post was generating the calls Wigle was receiving, but he was about to find there was more to this story.

"It was true, Mike Mercy was the owner, but Mike had not talked with any of the people who were calling," Wigle says.

Summit Property manages more than 120 properties in the Treasure Valley, mostly single-family dwellings. It's full service - screening tenants, collecting rents, scheduling maintenance and reporting to the owners.

"Our business requires great trust with the homeowner," he says. "This ad has blown some of that trust."

Writing to the email address, Wigle began an online dialogue, writing to the email address listed on craigslist.

craigslist provides local classifieds and forums for jobs, housing rent or sale, personals, and such, but cautions upfront that those responding to the listings should not submit to credit checks or background checks for housing until you have met the interviewer or landlord in person.

Wigle says during his three-day email exchange he asked on numerous occasions to meet with the fake "Mike" to go through the home, where the security deposit should be sent, contractual obligations and securing the home for rent.

The respondent wrote on day three: "All we ask for is making sure you fill the rental application form properly so that we can approve you as our tenant, we will also advise you secure our home by paying for a refundable security deposit so that we can take our house off market and let other renters not to contact us anymore for the same house you are about renting."

Wigle says he traced the IPO address (a number specifically issued to a computer) to Sunnyridge, Calif., but all the emails stated they had moved to Ohio. Upon contacting law enforcement and the Attorney General's office in California, he was told this scam was too small to work on, and to call the FBI.

Wigle has filed a complaint with Idaho's Attorney General, but remains fearful someone has been taken in this scam.

Robb Hicken, chief storyteller with the BBB, says this is a complex scam.

"We've seen the misdirect ads on craigslist before, but we rarely see this complicated a scam," he says.

BBB warns individuals to check out the legitimacy of any purchase, job or housing arrangement before making a purchase.

Malicious Complaint Email Claiming It’s From BBB

12/7/2011

Posted on 12/7/2011 by

Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email that is purporting to be from a bbb.org email address about a recently filed complaint. The email contains a dangerous attachment regarding a complaint and appears to direct recipients to the BBB website. This is a scam - BBB does not send complaints as attachments via email.

The email appears to come from a fake BBB employee claiming that the recipient needs to review this matter and advise the BBB of their position. From there, the email appears to direct the recipient to the BBB website, but actually directs them to an outside link. This email is fraudulent and does not originate from BBB. The email attachment and link are malicious and we are strongly advising to not open or click them.

Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal. If you have clicked on the link, immediately do a virus scan. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect its trademark.

FTC Adds New Protections for Consumers Seeking to Work from Home

12/6/2011

Posted on 12/6/2011 by
The Federal Trade Commission has approved changes to its Business Opportunity Rule that will ensure consumers have the information they need when considering buying a work-at-home program or any other business opportunity. The changes simplify the disclosures that business opportunity sellers must provide to prospective buyers. The new disclosures will help prospective purchasers assess the risks of buying a business opportunity, while minimizing compliance burdens on businesses.

In addition, the Final Rule, which will be effective on March 1, 2012, applies to business opportunities previously covered under the Rule, as well as work-at-home offers such as envelope stuffing and craft assembly opportunities. The Final Rule requires business opportunity sellers to give consumers specific information to help them evaluate a business opportunity. Sellers must disclose five key items of information in a simple, one-page document:

the seller's identifying information;
whether the seller makes a claim about the purchaser's likely earnings (and, if the seller checks the "yes" box, the seller must provide information supporting any such claims);
whether the seller, its affiliates or key personnel have been involved in certain legal actions (and, if yes, a separate list of those actions);
whether the seller has a cancellation or refund policy (and, if yes, a separate document stating the material terms of such policies); and
a list of persons who bought the business opportunity within the previous three years.

Misrepresentations and omissions are prohibited under the Rule. For sales conducted in languages other than English, all disclosures must be provided in the language in which the sale is conducted.

Tips for Avoiding Online Schemes to Steal Your Money

12/5/2011

Posted on 12/5/2011 by
While many of us are pulling the decorations out of the attic and getting ready for food, family and friendship, the crooks are dusting off old holiday scams and inventing new ones. Many of them take advantage of the increasing propensity of people to shop online.

The Better Business Bureau and McAfee, a well-respected security software company, have identified common holiday scams. Here are a few examples:

Phishing emails telling you a FedEx or UPS package couldn't be delivered and instructing you to open an attachment that will tell you how to get the package. Doing so downloads a virus or other malware.

Fraudulent auction sites that victimize people looking for a good deal on gifts or gift cards.

E-greeting cards that supposedly contain a holiday message from a friend. Clicking on them may download malware.

"New friend requests" on social networking sites that actually link to viruses and other malware.

Santa screensavers or holiday ringtones you find on the Internet that link to malware.

Pop-up boxes that tell you a virus has been detected on your computer and instruct you to download a program that will delete it. At best, this "scareware" won't work; at worst, it will download the virus.

Follow these tips to thwart the grinches who want to steal your holiday joy:

Install the most recent updates for spam filters, anti-virus and anti-spyware software, and a secure firewall on your computer.

Always look for the BBB seal or other well-known trustmarks when shopping online and click on the seal to confirm it's legitimate. When shopping on sites that aren't household names, check the business out with the BBB before you buy.

Beware of websites that don't have a phone number or physical address for the company. If you're shopping on the website, look for refund and privacy policies. If any of this information is missing, shop elsewhere.

When purchasing items on auction websites, check out the site and the seller and always listen to your doubts if the deal doesn't sound legitimate.

Beware of solicitations from charities that you aren't familiar with and don't be misled by sound-alike names. Always research the charity.

Don't click on any links or open any attachments to e-mails until you've confirmed that they're not malicious. E-mail addresses that don't match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail.

Never pay money upfront to get a job.

Use a credit card to make payment. You'll have more recourse if something goes wrong than if you pay by check or cash. Never wire money as payment.

The final piece of advice is good during the holidays and year-round -- if it sounds too good to be true, it probably is.

Reprinted with permission from The Commercial Appeal

Coach V to Visit BBB Accredited Businesses

12/1/2011

Posted on 12/1/2011 by

Business leaders in the Snake River Region will have an opportunity to hear motivational speaker Viliami Tuivai in a BBB-only special session.

“Coach V has agreed to bring his exuberant, humorous brand of motivational speaking to Better Business Bureau on December 8,” says Jason Billester, BBB VP of New Business Development . “He’s a lot of fun, and exciting to be with.”

Presenting his “GamePlan 2012” seminar, Tuivai will address what businesses of all size need to bring to the table when it comes time to play. As a former Boise State assistant football coach and operations director, Coach V is a life coach, motivator and mentor. His enthusiastic, engaging and energizing lecture style leaves audiences – from church congregations to Fortune 500 Companies – revved-up and excited to return to business. He leaves business leaders equipped with the life characteristics that yield championship results.

“This opportunity is another way BBB is working to strengthen businesses through the region,” Billester says.

GamePlan 2012 will begin at 4 p.m., Thursday, Dec. 8, at BBB Office, 1200 N. Curtis, Boise (inside the Statesman Building.)

BBB Tips for Avoiding the Holiday Travel Headache

12/1/2011

Posted on 12/1/2011 by
The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather on the road. Staying safe should be a top priority for all travelers so Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

“Before hitting the roads, give your car the attention that it needs,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Make sure you are well-equipped and know where to turn should the unexpected happen.”

BBB recommends taking the following steps for safe driving this holiday season:

Create a car safety kit. Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include blankets, flashlight with extra batteries, radio, first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

Take the car in for a checkup. Breaking down on the side of the road can definitely put a damper on the holiday spirit. If your car is due for a check up, take it in before making that long haul. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

Take BBB with you. When you’re away from home or in the midst of an emergency, it’s hard to know which businesses—such as tow trucks and locksmiths—you can trust. The good news is you can now rely on BBB’s mobilized website or the BBB iPhone App. for finding businesses you can trust when you’re away from your computer.

Start early and slow down. The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents, which slow traffic and cause bottlenecks. Also, if you’re caught speeding by law enforcement, that adds travel time and puts a dent in your holiday spending.

Drop the distractions. According to the Insurance Institute for Highway Safety, drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. When you’re behind the wheel, don’t text and drive, use a hands free headset when talking on the phone, and get someone else to fumble with the GPS.
For more advice on staying safe over the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Save on Heating Costs with Seven Ways to Winterize Your Home

12/1/2011

Posted on 12/1/2011 by

With a tough economy looming like the Grinch over this year’s holiday season, many people are looking for ways to save money through energy efficiency. Better Business Bureau is offering a checklist for homeowners to safely prepare their homes for the cold winter months, and perhaps save a few dollars in the process.

According to the Energy Information Administration, home heating costs this winter are expected to rise by 10.2 percent for homeowners who rely on heating oil. Luckily, homeowners can fend off some of the rising energy costs by winterizing their home before the harshest weather takes hold.

“With the unpredictability of Mother Nature, now is the time to prepare for the winter months ahead,” said Katherine Hutt, BBB spokesperson. “Taking the time to winterize your home gives you the peace of mind that you will not only save money, but be energy efficient as well.”

The following is a BBB home winterizing checklist for consumers to consult when preparing for the cold months ahead:

Furnace. Furnaces older than 15 years might be due for a replacement. For newer furnaces, BBB recommends making sure the furnace filter is clean, the thermostat is working properly and the pilot light is functioning. Homeowners can also hire an inspector to do the job and make sure the furnace is in safe working order.

Chimney. Before lighting up the fireplace, homeowners should have the chimney inspected for animals, debris and leaves that may have fallen in. BBB also recommends installing a screen over the chimney opening.

Gutters and ridge vents. Gutters should be cleaned to prevent any clogs that would cause rainwater to back up and freeze, making the gutters expand and crack. The ridge vents need to be cleaned as well in order to allow the house to "breath" correctly. Otherwise, air will stagnate and create an unhealthy environment.

Smoke alarm and carbon monoxide detectors. BBB recommends testing smoke alarms and carbon monoxide detectors and installing fresh batteries. Homeowners should consider replacing smoke alarms older than 10 years.

Caulking and Weather Stripping. To prevent leaks, homeowners should inspect the caulking around windows and doors and check for cracking and peeling. In addition, BBB recommends ensuring that doors and windows shut tightly and no cold air is coming in due to worn weather stripping.

Seasonal equipment. Homeowners won’t need their spring and summer equipment for a few months, so BBB recommends draining the water from garden hoses and air conditioner pipes, and the gasoline from the lawnmower and other garden tools. It’s also time to pull out the snow shovels and plows and ensure they are in good repair.

Emergency kit. When a winter storm strikes, an emergency kit should have all essential materials in one handy place. An emergency kit should include flashlights, candles and matches, a first aid kit, bottled water, non-perishable food and a battery-powered radio. BBB recommends creating the same emergency kit for the car as well, including a couple blankets.

For more consumer tips this holiday season, visit www.bbb.org.

BBB Warns Homeowners: Changes to Mortgage Rules Bring Out Scams

12/1/2011

Posted on 12/1/2011 by

Arlington, VA – Starting today, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

BBB is warning all homeowners who are thinking of applying for a HARP refinance to:

Deal directly with your lender first, and never make payments to anyone other than your lender.
Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.
Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.
Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.
Be especially careful of look-alike and sound-alike websites.
Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).
Report scams to BBB at www.bbb.org/us/scam-source.

The changes to the HARP program were announced by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac. Some lenders will begin accepting applications as early as today, although many will take a few weeks or even a few months to roll out the program. More than one million borrowers are expected to apply for the program, according to the Federal Housing Finance Agency, which oversees the two major mortgage lending programs.

Check out businesses and charities before you buy, donate or invest at www.bbb.org. Additional mortgage and credit-related tips are available at www.bbb.org/us/clearpoint-tips.

If you have credit problems, find a credit counseling agency in your area by calling 800-388-2227 (en Espanol 800-682-9832).

BBB Business Advice for Tackling Holiday Gift Returns

12/1/2011

Posted on 12/1/2011 by

While most retailers love the holidays and the increased sales of the last quarter of each year, no one looks forward to the dreaded post-holiday gift returns. BBB is advising businesses to make sure that their return policies are simple and solid before tackling customer gift returns this holiday season.

Most consumers are happy with return policies. According to the National Retail Federation’s, 2010 Holiday Returns Survey, nearly nine out of 10 Americans (88.4 percent) say they find stores’ return policies to be fair.

It’s important for retailers to keep their customers in mind when it comes to their return policy. “While it’s important that your return policy doesn’t hurt your business, it’s critical that it doesn’t completely discourage and penalize the customer,” said Katherine Hutt, BBB spokesperson.”

BBB recommends that businesses consider the following when creating, solidifying or simplifying their return policy:

Make sure the customer is aware of your policy. Display you policies at the checkout counter and on your website.

Provide gift receipts. Six out of ten shoppers say they include a gift receipt when giving a gift, so be sure to offer one at the time of purchase.

Encourage customers to return the merchandise unused, unworn or unwrapped. Everyone likes getting merchandise in its original package and by encouraging customers to return goods this way, you better your chances that the product can be resold.

Make online returns easy. Lay out the return rules clearly. Explain who pays for the return shipping, where the customer sends the return, and any forms or mailing labels you want them to use.

Stay calm and helpful. The holidays can be a stressful time for everyone and making returns is usually not high on the customer’s list of fun things to do. When working with a customer, always go into a return with a smile. If their experience is good, you may win over a new customer.

For more helpful tips, visit www.bbb.org.

Out-of-Country Calls Target Good-Hearted Grandparents

11/29/2011

Posted on 11/29/2011 by
To Marsha, a grandparent living in the Treasure Valley, the voice of the caller sounded anxious, confused and stressed, but by the end of the conversation it was authoritative and demanding.

"Your grandson has been injured in an automobile accident in Peru," it resounded through the phone line. "He struck the car of a city administrator and now must pay $4,800 to get it repaired or he will have to go to jail."

Marsha responded properly. Calmly, she asked for information, explained that she would have to verify that her grandson was indeed in Peru, and called BBB.

While the scammer contacted the wrong grandparent this time, Better Business Bureau reports hearing this past week from several grandparents reciting similar calls.

"This scam has been going on stronger than ever before," says Robb Hicken, chief storyteller for BBB serving the Snake River Region. "The internet allows these calls to be more detailed, more convincing regarding family members because our children and grandchildren are so social on the Web."

In earlier scams, scammers' basic tactics are to pose as a grandchild and ply the unsuspecting grandparent to fill in the blanks.

"For example, the scam caller might say, 'It's me, your favorite grandchild,' to which the grandparent guesses a grandchild's name, and then the call proceeds from there," Hicken says.

In the updated scam, callers identify themselves using a specific name or a particular family member by name, and uses information they may have found on a social media site.

Young people are making it easy for scammers by posting items like where they are vacationing, who they'll be with, pictures, comments or other social media posts that indicates they are out of the country. BBB encourages people to limit the amount of personal information shared on social media sites and to only "friend" people they know personally.

Many times grandparents are familiar with a few of the details, making them susceptible for phishing lines about the out-of-country grandchild.

They lace their conversation with correct references by name to other family members, increasing their credibility. BBB hears stories of car repairs or crashes, drunken involvement, hospitalization, or detention and arrest. All callers end their conversation with the need for the urgent posting of bail, payment or cash.

BBB advises people to remain calm and confirm the individual's status by calling directly to verify the story with other family members before taking action.

"Open communication with family members, and using other systems like 'secret passwords' or 'secret codes' can help alleviate anxieties should such a call ever be warranted," Hicken says.

Risks and Red Flags on Buying the Hot Electronics This Season

11/29/2011

Posted on 11/29/2011 by
As cyber sales go into full force around Thanksgiving, Better Business Bureau says lookout for social media posts, emails, pop-up advertisements and websites touting too-good-to-be-true deals. Avoid unrealistic sales on iPads, e-readers and other popular electronic gadgets.

Risks:

Fly-by-night retailers collect payment information with no intention of shipping products. Shoppers may face financial fraud.
Slimy sellers ship artificial or aftermarket goods, which often hold little value and break quickly. Consumers may have difficulty collecting refunds.
Hackers promote enticing ads with low prices on "must-have" merchandise to get consumers to click on malicious hyperlinks or visit dangerous websites aimed at siphoning personal or financial data. Victims may struggle to protect computer files and prevent virus damage.

Red Flags:

Hot-ticket items like laptops, tablets and e-readers are advertised as "free" or priced way below market value; comparable items cost more on other sites.
Product photos are distorted and descriptions are lacking.
Websites are filled with high-pressure pop-up ads.
Product ads are posted anonymously on unfamiliar sites, blogs or classifieds.
Customer service representatives do not respond to phone or email inquiries.
Basic contact information is not posted on websites or other ads.
Business licensing or state registration is unverifiable.
Sellers' sites are missing privacy policies.
Check-out pages are not secure; there is no site encryption or "https."
Electronic checks and wire-transfers are the only accepted forms of payment.
Websites trigger warnings from anti-virus software or firewalls.
Internet searches reveal numerous negative reports from other consumers.
BBB Business Reviews show unanswered or unresolved complaints.

$18.00 Settlement Checks Are Real

11/28/2011

Posted on 11/28/2011 by

Idaho residents who traveled outside the United States between Feb. 1, 1996, and Nov.8, 2006, and used a major credit card while there, could receive a refund check for about $18.

The checks from major banks and credit card companies are part of a class-action settlement dealing with currency conversion fees. Only recently have they started to appear in the Treasure Valley, says Robb Hicken, chief storyteller for the Better Business Bureau serving the Snake River Region.

More than 10 million Americans who shopped abroad, and relied on their credit card companies to calculate the currency exchange rates were overcharged.

Those banks named in the lawsuit include Visa, MasterCard, Diners Club, Bank of America, Bank One/First USA, Chase, Citibank, MBNA, HSBC/Household, and Washington Mutual/Providian. A nearly $336 million settlement was levied against the banks for charges of hiding the currency exchange fees and inflating the base rates.

According to reports, the checks are about $7 less than they were first predicted because of the number of claims. The Foreign Currency Fee Litigation Settlement Fund's first 10 million checks were sent out earlier this month, and some arrived in the Treasure Valley today.

A separate settlement with American Express is still in litigation and was expected to be finalized by 2010. Nearly 15 percent of the fund - roughly $51 million - went to attorneys in the lawsuit.

ALERT: Scam Email Claims It’s from BBB

11/23/2011

Posted on 11/23/2011 by

Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Source, and then delete it. If you have clicked on the link, immediately do a virus scan.

Cyber-Monday: Great Deals to Be Had, But Watch Out for Scams

11/22/2011

Posted on 11/22/2011 by
Arlington VA – Cyber Monday, the Monday after Thanksgiving, has officially replaced Black Friday as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens up the buyer to attacks from scammers and hackers.

Every year, more people head online rather than to the mall to get their holiday shopping done. According to a preliminary shopping survey, conducted for the National Retail Federation by BIGresearch, up to 152 million people plan to shop Black Friday weekend (Friday, Saturday and Sunday), higher than the 138 million people who planned to do so last year. According to the survey, 74 million people say they will definitely hit the stores and another 77 million are waiting to see if the bargains are worth braving the cold and the crowds.

“You can’t beat shopping online for convenience, comfort and comparing prices,” said Katherine Hutt, BBB spokesperson. “But don’t let your guard down. Take the necessary precautions to avoid fraudulent websites, scammers and other Grinches who would just love to ruin your holidays.”

BBB recommends the following top 10 tips for shopping online this holiday season to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start at www.bbb.org to check on the seller’s reputation and record for customer satisfaction. It’s a good idea to look for the BBB logo and other widely-recognized seals on retailer websites, but make sure they are real (some rogue sites plagiarize seals to look legitimate).

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, take that as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, you can dispute the charges if you don’t receive the item. Your also have dispute rights if there are unauthorized charges on your credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. If you are going to shop on classifieds web sites like Craigslist, never wire money and only buy locally where you can see the item before you hand over your money.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by looking at statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/.

Keep Your Holiday Budget on Track

11/22/2011

Posted on 11/22/2011 by

Arlington, VA – Whether you are gearing up to hit the malls on Black Friday, sticking close to home for Small Business Saturday, or shopping online on Cyber Monday, there is still one thing you must do first – make a holiday budget.

The average American overspends for the holidays, and then faces a bleak January as credit card bills pile up. Don’t let that happen this year! Better Business Bureau and Clearpoint Credit Counseling have teamed up to offer financial tips and an online Holiday Planner Calculator to help make sure your holidays are merry and bright!

Check out our holiday tips on creating a budget and sticking to it, safe shopping online, giving and using gift cards, and more. Use the Holiday Planner Calculator to determine an overall budget, decide how much to designate for each category (gifts, parties, travel, food and donations), then get into details like how much to spend on each person, budgeting for parties and travel, and more. Creating a budget and sticking to it can be a challenge, but being more conscious of your holiday spending habits will help you start the new year without a lot of new debt.

Some other ideas for sticking to a budget:

Cut down on gift-giving: For work gatherings, have everyone draw a name and give one gift. Set limits with family members and then get creative about finding something in your new, lower price range. Consider giving only to children. For the person who has everything, consider making a charitable donation in his or her name.

Do it yourself: Homemade crafts and decorations can be fun to make and to give. Consider baking or canning your gifts this year. Give gift certificates for future services (babysitting, dog walking, leaf raking) or special events after the holidays (shows, ice skating).

Reduce, Reuse, Recycle: Use less of everything, because little things add up. Is it necessary to gift wrap that huge box? How about putting a “clue” under the tree instead and have the recipient find the present hidden someplace else in the house. Reuse gift bags – they are sturdy enough to be used five or six times. Make your own gift tags and decorations. Spray paint old candle holders gold or silver instead of buying new ones.

Trim energy costs: Switch to LED lights and you’ll not only burn less energy, you’ll need fewer strands because the lights are brighter. Turn off your outside decorations when you go to bed. Turn down the thermostat when no one is home. Combine shopping trips and errands, and carpool to family gatherings.

Check out more BBB holiday tips on our website.

Clearpoint Credit Counseling Solutions is a national 501c3 nonprofit offering budgeting, housing and credit counseling services in all 50 states. Clearpoint is a member of the National Foundation for Credit Counseling and is a BBB National Partner.

IRS Phishing Scam Tries to Scare Info from Businesses

11/18/2011

Posted on 11/18/2011 by

When the Internal Revenue Service contacts most people there is only one thing that comes to mind - taxes and what did I do wrong.

The calls keep coming this morning (Nov. 18) from businesses in the Treasure Valley referring to an e-mail they'd received from the IRS. The scam states that the company's IRS payments has been rejected by the bank, and they need to pay immediately to ensure any further repercussions. The e-mail is phishing attempt to steal money and information.

Generally, the IRS does not send unsolicited e-mails to taxpayers. Further, the IRS does not discuss tax account information with taxpayers via e-mail or use e-mail to solicit sensitive financial and personal information from taxpayers, according to their site.

"Do not respond," says Robb Hicken, chief storyteller for the BBB serving the Snake River Region, "but forward it to the IRS." Send the e-mail to phishing@irs.gov. Never give out information over the phone or through an e-mail, especially to a person you do not know.

Know the Keys to Finding a Trustworthy Locksmith

11/18/2011

Posted on 11/18/2011 by
Being locked out of your home or vehicle is a stressful situation. Unfortunately, some untrustworthy locksmiths will only make matters worse. Better Business Bureau is warning consumers to beware of untrustworthy locksmith businesses taking advantage of consumers across the country.

“It is unfortunate that any business would exploit those who are in such a vulnerable situation,” said Paula Fleming, vice president of communications and marketing for BBB. “We recommend finding a trustworthy business through your BBB, doing research before hiring, and filing a complaint if you feel you have been taken advantage of.”

Victim complaints to BBB reveal that several locksmith busineses, all using similar methods, are significantly overcharging consumers, charging them for unnecessary services, using intimidation tactics, and failing to give refunds or respond to consumer complaints. To date, BBB has received 1,051 complaints against locksmiths in the US.

Deceptive locksmith businesses will often advertise in yellow pages or internet listings and provide multiple false addresses and phone numbers to look like they are a local business. In reality, the address listed doesn’t actually exist and calls made to the business are routed through an out-of-state call center. BBB discovered that the address listed for one such locksmith in Massachusetts was actually a Suffolk University dorm.

Many untrustworthy locksmiths have websites advertising their ‘emergency’ services, low rates and reliable service. Customers will be quoted a reasonable price over the phone, but will be significantly up-charged on the invoice they receive once the job has been completed.

To avoid getting ripped off, BBB offers these tips to find a reliable locksmith that you can trust:

Know the name. Unscrupulous locksmiths often operate under many business names or aliases. They may answer the phone with a generic phrase like, “locksmith service” or simply “locksmith.” If the call is answered this way, ask, "What is the legal name of your business?"

Critique their advertising. Look closely at the business’ advertisements. Is the specific name of the business clearly identified? Does the ad look similar to other ads but have a different name? Does it appear that the dealer actually operates under several names?

Pay attention to the vehicle. Generally, locksmiths should arrive in a marked service vehicle or van that clearly states the business name. Keep in mind that some legitimate locksmiths do work out of a car or unmarked van for quick jobs.

Ask for identification. A legitimate locksmith should ask for your identification and some form of proof that you have the authority to allow the unlocking to be done. A legitimate locksmith should also provide you with their identification, usually in the form of a business card or invoice with the company name on it. Identifying information should also match the name on the service vehicle.

Get an estimate. Find out what the work will cost before you authorize it. Never sign a blank form authorizing work. Ask about additional fees (such as mileage charges, minimum service fees, or late night surcharges) before you authorize the locksmith to do the work. If the locksmith quotes you a different price upon arrival, do not allow the work to be done.

Demand an invoice. You can't dispute a charge without proof of how much you paid and what you paid for. Insist on an itemized invoice that includes parts, labor, mileage and service charges. The invoice should also include the business name and address.

Find out about insurance. Ask if the locksmith is insured. If your property becomes damaged during a repair, insurance is important to cover your losses.

Pay the right way. Using your credit card to pay for locksmith services can give you added security. Many credit cards have built-in fraud protection.

Plan for next time. Once you’ve found a reputable locksmith, keep their information handy in case you find yourself locked out again in the future. Always check with your BBB to find a trustworthy business in your area.

Only fifteen states require locksmiths to be licensed: Alabama, California, Connecticut, Illinois, Louisiana, Maryland, Nebraska, Nevada, New Jersey, North Carolina, Oklahoma, Oregon, Tennessee, Texas and Virginia. Do your research and find a reliable locksmith before you actually need one. Visit bbb.org to read Business Reviews about locksmiths in your area. You can find locksmiths who are affiliated with the Associated Locksmiths of America (ALOA) by searching www.findalocksmith.com or downloading their app on your smartphone.

If you have been a victim of a locksmith scam, file a complaint with your BBB at bbb.org. You can also record your complaint with the FTC or your State Attorney General. If you believe you’ve found a fraudulent locksmith online, contact the FBI Internet Crime Complaint Center.

For more information about reliable locksmiths and other businesses you can trust, visit bbb.org.

Charities Need Giving Hearts, But Must Be Trustworthy

11/17/2011

Posted on 11/17/2011 by

For the members of the My Team networking group in Boise, it's become an annual event to raise money to provide turkeys to the Boise Rescue Mission. "The goal of the group is to be charitable," says Bill Martin, president of AccountServ CPA in Meridian, and treasurer for the networking group. "Because we have always had a member of the Boise Rescue Mission in the leads group, and we knew the organization, we chose to give them money for turkeys, again."

Each year as the holiday season approaches, organizations open their hearts and wallets to participate in giving efforts. Millions of dollars trade hands as charitable organizations open to receive donations. Along with good charities, comes a warning to watch for bad ones. Martin says finding a trustworthy organization is imperative when you conduct a fund-raiser like My Team's Turkey Drive. Having done the turkey drive for several years, the group has raised enough money this year to buy 200-plus turkeys.

Boise Rescue Mission Donor Relations Manager June Harr says generous contributions from community members and businesses fill a huge need in the Treasure Valley. Working with organizations like, My Team networking group, helps generate needed essentials, she says, whether large or small.
"Collectively, all can be used to make the difference we do in so many lives," she says. "We have homeless people, and people in great need coming to us all year, 365 days, so donations are needed every day." She encourages donors to come to the mission and tour the facility to see how donations are used. "We have auditors that we report all donations to and are required to track each one," she says.

Organizations are also monitored independently through groups like the Better Business Bureau. BBB helps provide accountability through its BBB Wise Giving Alliance, a list of organizations and background information.

"Donors need to make wise choices when giving at this time of year," says Dale Dixon, CEO of BBB serving the Snake River Region. "Learn all you can before you give, so your donation truly goes where it can make the difference you're hoping for." He says there are more than a million charities that have received charitable tax-exempt status form the IRS. Keeping track of all organizations is a huge task.

Idaho Nonprofits Center Lynn Hoffmann, executive director, says, "A new study out shows that there are $2.8 billion in operating funds involved in nonprofit organizations. Far, far bigger than people are thinking. We'll have that out at the end of the year."

The center's site lists hundreds of nonprofits and charities from across the state, provides resources for nonprofits, promotes nonprofit advocacy, and raises public awareness. Hoffmann says, "We have a link on the website to the IRS website that shows all the 501C3 in the state."

Nonprofits and charitable organizations are hoping they see a huge end of year donation increase, she says, as the demand for services has continued to climb.
Dixon suggest visiting an organization's website and calling the board of directors and asking questions. "If it is important enough for you to give, it should be important enough for you to verify the organization's background," he says.

Verify charities at www.idahononprofits.org or www.bbb.org.

Points of interest:

BBB Wise Giving Alliance recommends donors avoid these common mistakes:

•Assuming that only 'low overhead' matters. How much money a charity spends on the actual cause-as compared to how much goes toward fundraising and administration-is an important factor, but it's not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.

•Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don't just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB's 20 Standards for Charity Accountability.

•Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.

•Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item's acceptability, call the charity and ask.

•Mistaking a charity's identity. With so many charities in existence, their names can blur in a donor's mind and similar-sounding organizations are common. Be sure you know which charity you're supporting and that it's not a case of mistaken identity.

Donors can check out BBB Wise Giving Alliance evaluations on national soliciting charities for free at www.bbb.org/charity.

Cellphone Payment Question Rejected by T-Mobile

11/17/2011

Posted on 11/17/2011 by

Treasure Valley cellphone users are getting calls from persons claiming to represent T-Mobile who state their bank has rejected recent payments, and unless an immediate payment is made, service would be terminated.The caller then asks the user for a credit card. "We have put a warning on our website stating this is a scam," says Robb Hicken, chief storyteller at BBB serving the Snake River Region. "And, T-Mobile has confirmed these calls are not from their offices."

One cellphone user told BBB the number on his caller ID was from area code 801, a Utah area code. He became suspicious of the call even though he does use T-Mobile. He called T-Mobile directly and they informed him his account was current with no issues. The cellphone user checked his caller ID, called back, and started asking questions about the bank payment rejection and if the call was from a T-Mobile representative. One too many questions, caused the scammer to hang up without answering any questions.

Anna Friedges, T-Mobile media relations, says, "T-Mobile will never ask you to 'confirm' or 'verify' your sensitive personal information when contacting you. While we generally need account verification information when you contact us, we will not request such information when contacting you."

Like T-Mobile, most reputable companies will not contact you requesting sensitive personal information. Be aware of the policies and practices of other companies when dealing with them and always be suspicious of unsolicited requests for such information.

BBB advises to closely guard all of your personal information. Unless you are absolutely certain you know the person or business you're talking or corresponding with, be suspicious, ask questions, and ask for callback information. As scam attempts will likely continue to evolve, it is important to always think twice before you provide any personal information.

Further information: www.t-mobile.com/Company/PrivacyResources.aspx?tp=Abt_Tab_PhishingSMishing&tsp=Abt_Sub_IdentityTheft_Phishing

Visit www.bbb.org to check company reputations. Report fraudulent activity to www.ftc.gov.

Idaho Falls Church at Center of Internet Scam

11/16/2011

Posted on 11/16/2011 by

Associate pastor Rick Lum says his church is a house of God, not a house of fraud.The small Christ Community Church in Idaho Falls has found itself in somewhat of a scam through no fault of its own. "I don't think it makes a huge impact on us here, but you just don't want those things connected to the church," Lum says.

The church's mission is to help each believer find a fruitful and satisfying place of service, so when phone calls questioning the church's integrity started coming on Wednesday afternoon, he had to wonder what went wrong, he says.

Apparently, an online ATV Internet sales company was using their address, 5742 South 5th West and an aerial photo from Google Map Views to lend credibility to the sales. "People are calling because our name is on the site, since they're trying to verify their purchase," Lum says.Lum called BBB serving the Snake River Region and reported the incident.

Robb Hicken, BBB's chief storyteller, says, "There is no company of this nature registered to do business at this site in Idaho Falls, or with the department of commerce." Investigation further showed the address listed would actually be a vacant lot across the street from the church. A search shows the company also had locations in Sunnyvale, Calif., and until more recently, in Boise, all with similar vacant-field locations. "We're concerned in that if consumers follow through with the website directions, they will send money to a scam," Hicken says.

The professional looking website appears to be legitimate with hundreds of used and new all-terrain vehicles for sale. It has all the proper verbiage and contact information, and a pay option process. There are name brands and associations on the site as well. However, the actual prices on the site are well below normal blue book values, which heightens interest and purchases. After filling out the payment form, an email is sent directing payment through a wire transfer - such as Western Union - at a different location. "We know of one person in the Dallas area who has sent $2,850 for an ATV," Hicken says.

Associate Pastor Lum says he's only received two calls and neither was in anger nor abusive, but polite with the caller simply asking for information about the ATV site. "I'm more disturbed that our name is being associated with someone who is harming someone else," Lum says.

Quick Check List To help you shop safely online, take the following common sense steps:

•Don't rely on a professional looking website as proof of a company's quality or good reputation. Contact the IBBB.
•Investigate a company or seller before you buy.
•Find out where a company is physically located to help avoid overseas or offshore scams.
•Never give out your bank account number, credit card number, or personal information unless you're certain a company is legitimate.
•Pay for your purchases by credit or charge card, which can be protected under the Fair Credit Billing Act.
•Start with a small, inexpensive purchase to see how the company handles your order.
•Find out about a company's return and refund policies before you purchase.

Always use a secure Internet browser that "encrypts" or scrambles your personal or financial information.

BBB Cites Arthur Middleton Capital Holdings For Deceptive National Advertisements

11/16/2011

Posted on 11/16/2011 by

An Ohio company that markets products ranging from portable electric heaters to dietary aids to uncut sheets of U.S. dollar bills is under scrutiny for what the Better Business Bureau (BBB) calls “significant and ongoing concerns” over advertisements which the BBB believes have the capacity to mislead consumers.

The company, Arthur Middleton Capital Holdings of Canton, Ohio, is best known for its full-page ads in newspapers and magazines that appear similar to news stories and which run in publications in Missouri, Illinois and nationwide.

Arthur Middleton’s owner and chairman is Rodney Napier.

Michelle Corey, BBB president and CEO, said the BBB has questioned Middleton’s continued use of misleading and, at times, erroneous information in company ads.

“In our judgment, these problems have become so chronic and so flagrant that we felt an obligation to alert the public,” Corey said. “Time after time, the BBB has expressed its concerns about the ads to the company. Time after time, the company has promised to make changes, only to come up with new products and new ads that are just as troubling.”

Most of the BBB’s concerns involve ads for World Reserve Monetary Exchange, Heat Surge and PatentHEALTH – all businesses that are part of the Arthur Middleton holding company.

The BBB has logged 207 consumer complaints involving World Reserve Monetary Exchange, 258 involving Heat Surge and 27 involving PatentHEALTH. Many of the complainants said the ads were misleading.
World Reserve Monetary Exchange sells coins, paper currency, safes and related items and describes itself as “the largest provider of coin and currency aside from the U.S. Federal Reserve.” Heat Surge is best known as the seller of Roll-N-Glow electric fireplaces, with Amish-built mantles. PatentHealth sells non-prescription health aids marketed to assist in weight loss or help alleviate joint problems.
Among recent ads targeted by the BBB are:
• World Reserve Monetary Exchange ads for uncut sheets of $1, $2 and $5 bills. The $1 and $5 bill ads have run in recent weeks in publications in the St. Louis area and elsewhere. The BBB considers the ads confusing and highly misleading. In December, the BBB alerted the public to World Reserve ads for “absolutely free” $2 bills, noting that the only way to get those four “free” $2 bills was to buy 12 additional bills at a cost of nearly $160.
• A World Reserve Monetary Exchange ad for armored safes that ran this summer in newspapers and magazines. The BBB considers those ads exaggerated and misleading and noted that two testimonials – one by a man who turned out to be a company official and a second by the brother of Arthur Middleton’s owner – may have violated Federal Trade Commission truth-in-advertising guidelines by not revealing their ties to the company.
• A Heat Surge ad that has run in recent weeks in various publications around the country and which claims to be a “revolutionary breakthrough in home heat technology” that “practically eliminates high heat bills.” The ad imposes a 48-hour deadline for ordering, saying “if you miss the deadline, you’ll be turned away and forced to wait for future announcements.” The ads do not disclose that the company’s heaters are available at about the same price online or through department store retailers.
• A PatentHEALTH ad for a joint health pill called Trigosamine Fast Acting published in the St. Louis area and elsewhere. The ad praises the over-the-counter product as “remarkable” and “incredible,” but notes in a fine print disclaimer that the statements have not been evaluated by the Food and Drug Administration, and the product is not intended to diagnose or treat any disease. In March, the National Advertising Division of the Council of Better Business Bureaus referred a PatentHEALTH ad for Trigosamine Fast Acting to the Federal Trade Commission for possible enforcement action. That recommendation followed PatentHEALTH’s failure to modify claims in an earlier ad.

The recent ads for sheets of uncut $1 and $5 bills contain what appear to the BBB to be several misleading statements. Each of the ads strongly suggests that the bills will increase in value when, in fact, there is little likelihood of that.

“Just think what they could be worth some day,” the ads say. “Rare uncut sheets of real Gov’t issued currency have sold at prestigious auction houses for thousands of dollars.” The ads also claim that the offer is limited to a specific geographic area when that is not the case.

“Residents whose zip code is not on the distribution list can’t have our Vault Stacks of these full uncut sheets of $1 bills,” one ad says. The $1 bill ads quote a company official identified as Jefferson Marshall as saying that callers will be able to buy the uncut sheets of bills “for just face value.” That is not the case.

In August, the BBB notified Arthur Middleton about concerns over what appeared to be misleading information in its armored safe ads. Those ads contained a warning that a toll-free hotline to obtain one of the safes would close within 36 hours, giving consumers a false sense of urgency. A BBB investigator called the hotline number three days after the deadline and found the line still active and a company representative eager to sell him a safe. The only difference was that the buyer would no longer get free shipping.

Monica Wallace, an attorney for World Reserve Monetary Exchange, said company officials acknowledge concerns regarding the testimonials of the company employee and Napier’s brother and promised to make changes in future ads. She also said a proclamation that the bag of coins is “like winning the lottery” is intended as a “gross overstatement” since it is “mere puffery and not likely to be interpreted literally.”

BBB St. Louis met on Oct. 10 with John Armstrong, senior vice president and general counsel for Arthur Middleton regarding its advertising claims. Armstrong said the company will continue to monitor its advertising for potential problems and asked that BBB concerns continue to be brought to the attention of the company.
Armstrong supplied the BBB with testimonials from satisfied Arthur Middleton customers.

Following is a link to several recent Arthur Middleton Ads: http://bit.ly/rtpylh.

Consumers can learn how to protect themselves or find BBB Business Reviews of businesses or charities by calling (314) 645-3300 or by going online to www.bbb.org.

Contacts: Michelle Corey, President & CEO, 314-584-6800, mcorey@stlouisbbb.org; or Chris Thetford, Vice President-Communications, 314-584-6743 or 314-681-4719 (cell), communications@stlouisbbb.org; or Bill Smith, Investigator, 314-584-6727, tpc1@stlouisbbb.org

BBB Black Friday Tip Sheet

11/15/2011

Posted on 11/15/2011 by

It’s time to start planning your Black Friday, that special day after Thanksgiving when retailers gear up to offer their best. Better Business Bureau past experience tells us that all deals are not created equal and the fine print is often the most important thing. Before you head out the door for a block buster and get caught up in the frenzy, the BBB offers the following tip sheet to help you save time and money.

Tip 1 – Know before You Go.
In the coming weeks many retailers will release their Black Friday deals online, in social media and other publications. Research where the sales are and make a list of your gift priorities to compare prices and plan your day of deals. Since many advertisements will begin before the actual sale, build up a coupon collection as soon as possible. Remember to bring ads with you on Black Friday just in case the price is not what you expected.

Tip 2 – Don’t Fall for False Advertising.
Despite BBBs effort to advance trust in the marketplace, some companies will resort to advertisements that are untrue, misleading, deceptive, or plain fraudulent. Black Friday advertising will be abundant and BBB urges consumers to watch for red flags.

Many consumers have experienced frustration and lost money they can’t afford to lose after being lured by prices too good to be true, bait and switch ads designed to bring you in but push you toward more expensive items, fine print return policies, final sales, and deals that end before the day is done. To protect you on Black Friday, BBB advises consumers not to believe all they see or hear without doing their own research to confirm the claims being made. For details and help to decipher truth in adverting, consumers can review BBB's code of advertising.

If you find advertising you’d like the BBB to investigate tell us more by emailing info@boise.bbb.org.

Tip 3 – Maximize Advance Alerts.
Do you have favorite retailers? Now is a good time to sign up for their email alerts and “like” their Facebook page. BBB Accredited Businesses and other stores are working to reward your loyalty and you may get a jump on special offers.

Tip 4 – Set up Your Reward Cards.
Have you ever stood in line with out your store rewards card? You either missed out or the clerk may have handed one over. Black Friday deals may have strict restrictions with no sharing allowed. Make sure you have reward cards with your favorite stores and keep them with you. Check your credit card rewards program as well for special points that could add up on Black Friday.

Tip 5 – Shop with Trust.
If you find a deal – don’t just jump at the first chance to get it. The BBB recommends doing your research on the business – know how long they’ve been in business, look into their customer service track record, check them out at bbb.org. If you have concerns about the type of gift or the right fit – make sure you ask about their return policy too.

Tip 6 – Comparative Shop Online.
There are dozens of Black Friday websites that claim to capture the best deals around and they can really help you do your comparative shopping online. Before you pick your favorite site, the BBB recommends that consumers find a reputable site that’s not a fly-by-night operation by checking them out at bbb.org and see what others say about the site through an online search.

If you decide to buy online there are a host of security measures to abide by, among them to Start with Trust and know you are dealing with an experienced, reputable retailer; confirm that the site is secure and be certain you have a phone number and physical address should problems arise with your order.

Tip 7 – Look for QR Codes.
They’re square, black-and-white and funny looking – but they can take you straight to a deal. QR stands for Quick Response codes and they’re popping up in many ads and print materials. Several BBB Accredited Businesses use them to help you Start with Trust and they can bring you directly to a special offer or a BBB Business Review. Before you can scan one and view the offer - you’ll have to install a QR app reader. Most newer smart phones are equipped to scan QR codes and if you’re a mobile shopper you could really have some fun.

Tip 8 - Shop Small
Save your gas money and your time when you stay close to home. The Better Business Bureau is encouraging consumers to support small businesses in their community on Small Business Saturday, the day after Black Friday. Check your neighborhood retailers for their weekend deals and gain some goodwill by knowing you’ve done your part to help them thrive during the holidays. Although a price match may not be applicable for some items - your neighborhood store may be able to guarantee a price for you – even if you decide to buy later.

Tip 9 - Check Return and Exchange Policies.
All bets can change for Black Friday deals which means the store policies can change too. Make sure you know what the return and exchange policy is for your Black Friday special and that a return is even possible – especially if you’re buying online. Final sales, a very short return window (like before December 25^th) or in-store or online only credit could leave you with deal gone wrong.

Tip 10 – Shop Safely.
While getting a deal is important, there are ways to shop safely without putting yourself or your wallet in jeopardy. The Better Business Bureau advises consumers to take their time and plan ahead for the best rewards.

· Make a list and prioritize where you should go and when.

· Bring friends into the mix to help sort through your options, two cars can go in two directions making it easier to get limited quantities and some pals will even wait in line as you trade off shopping in the stores.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

Charitable giving

11/15/2011

Posted on 11/15/2011 by

Elderly Couple Nearly Falls for Google Street View Lottery Scam

11/14/2011

Posted on 11/14/2011 by

An elderly Nampa couple was certain they had won an international lottery, because the person on the phone described their home and had their exact street address. How could it not be a "real" lotto winner.

Nampa police officer Jeramy Logue took nearly an hour visiting with the elderly couple trying to convince them it was another form of a confidence scam/swindle.

"I had great trouble convincing the victims that the cons weren't actually in Nampa because they could describe the victims house," the officer said Monday afternoon. "After I demonstrated Google Street View, I was finally able to convince the victims that the cons were really in Jamaica."

Robb Hicken, chief storyteller of BBB serving the Snake River Region, warns the public the scam artists will try anything to get money, financial or person information.

"These crooks know how to use the internet and all of its facets, and this proves they will go to great lengths to gain your confidence before taking your money," he says.

Hicken suggests taking the following precautions:

* Foreign lotteries are illegal in the U.S.

* If you do not enter a lottery, you have no chance of winning.

* If you are asked to send in any fee, taxes or pre-purchase fee before the money can be sent, it's a scam.

* If you don't know who the caller is, or the company he or she represents, hang up the phone.

Officer Louge says, "As soon as they knew for sure the cons weren't anywhere close, they were far more willing to hang up on them."

Scams That Target Veterans And Military Personnel

11/8/2011

Posted on 11/8/2011 by

Veterans Day is one where we take time to honor those who have served our country. It’s also a time when scammers come out to take advantage of our veterans and active duty military personnel. BBB wants to make sure those who serve us do not become victims of fraud.

Veteran’s scams can take many forms. BBB provides the following information on different types of offers and scams that can put our Veterans at jeopardy of becoming victims of fraud, paying more for items than they should or identity theft.

Types of Scams:
• Look out for firms that target veterans and charge them for products and services they can receive free or at lower cost elsewhere, such as military records and forms.

• Be cautious of scammers who contact veterans saying that they need to update their credit card information or other records with the Veterans Administration. The scammers then use the information to commit identity theft.

• Be wary of bogus charities with names that reference the Armed Forces and seek donations.

• Hang up on fraudsters calling themselves veterans advocates who try to convince veterans that they can get more benefits by transferring their investments into an irrevocable trust, which often contains unsuitable investments.

• Military Loans: Flashy offers promising "up to 40 percent of your monthly take home pay," "guaranteed loans," "instant approval," "no credit check," "all ranks approved," often come with sky-high interest rates and hidden fees designed to bilk borrowers out of cash and damage financial security.

• Housing: Ads promising military discounts and too-good-to-be-true incentives use stolen photos of legitimate rental properties to bait renters out of security deposits via money transfer schemes.

• Cars: Low-priced vehicles posted on classified ad websites tout discounts for military personnel, or claim to be from soldiers who need to sell fast because they've been deployed. Schemers convince buyers to wire money; however, vehicle data is stolen.

• Veterans For Hire: This scam targets our younger veterans. Scammers pose online as representatives of government contracting firms. When veterans contact them for a job, they ask for a copy of the veteran’s passport before they can officially offer them a job. Of course there is no job to offer and the con artist now has personal information that can be used for identity theft.

What to do? BBB offers help:
• Protect Finances: Never wire transfer money to strangers.

• Check Companies and Charities: Research companies at www.bbb.org for free BBB Reliability Reports or Charity Review Reports.

• Defend Computers: Avoid visiting unfamiliar sites or opening e-mails from unknown senders. Install a firewall and updated anti-virus software.

• Safeguard Identities: Actively deployed military personnel can place an "active duty alert" on their credit reports to help minimize the risk of identity theft. With this alert, the Fair Credit Reporting Act requires creditors and businesses to verify identities before issuing or granting credit. The Federal Trade Commission offers advice to help military families deter, detect and defend from identity theft.

• Report Scams: File complaints with BBB, www.bbb.org, the FTC, www.ftccomplaintassistant.gov, or the Internet Crime Complaint Center at www.ic3.gov.

What We Can Do:
For those of us at home, if you receive a call or mail from a veteran’s organization asking for a donation, do your research. Many, if not most, veterans organizations use professional fundraising organizations that can keep up to 85% or higher of donations received. If they do not provide the information, ask if they are professional telemarketers. By law, they must disclose this information. Also, many of these veteran organizations are not tax deductible. A legitimate charity will allow you ample time to check them out. Visit www.bbb.org/charity for a list of nationally soliciting charities to make sure any charity you’re interested in donating to meets BBB’s Standards.

Remember that federal agencies do not contact veterans via e-mail or text, and if they do call someone, they don’t request personal information. Veterans who receive suspicious correspondence can contact the Department of Veteran Affairs at 1-877-222-8387 with questions. You can get information on how to qualify for veteran’s benefits by contacting your state veterans affairs agency.You can report suspicious e-mails and online scams to the FBI at their online complaint center.

BBB Military Line:
BBB offers our military personnel information and help. Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 164 BBBs across the U.S. Military personnel may access information at http://www.bbb.org/us/Military/. For the latest military consumer alerts and information, follow us on Facebook at www.facebook.com/militaryline and on Twitter at www.twitter.com/Mil_Line.

Accountability Program Achieves Voluntary Compliance with Online Behavioral Advertising Self-Regulation

11/8/2011

Posted on 11/8/2011 by

Arlington, VA – The Online Interest-Based Advertising Accountability Program (Accountability Program) today released decisions in its first six compliance cases. This signals the Accountability Program’s initiation of formal enforcement of the Self-Regulatory Principles for Online Behavioral Advertising (Principles). Each company has voluntarily modified its practices to comply with the Principles. Policies and procedures for the Accountability Program are set by the National Advertising Review Council (NARC). The program is administered by the Council of Better Business Bureaus (CBBB).

“The Accountability Program is charged with providing objective, independent, and vigorous oversight and enforcement of the Principles,” said Genie Barton, CBBB Vice President and Director of the Accountability Program. “Our goal is to promote compliance with the Principles by all companies within the advertising ecosystem. We are encouraged that each of the companies under review has participated in the self-regulatory process and quickly brought their practices into compliance. Successful self-regulation depends on participation, cooperation, and prompt compliance.”

“Where companies do not self-monitor and promptly correct problems,” Ms. Barton added, “they can expect the Accountability Program to take action.”

The key provisions of the Principles, Transparency and Consumer Control, provide consumers with enhanced notice and choice regarding the collection and use of their data for online behavioral advertising (OBA).

As each case notes, “All companies have the obligation to monitor their data collection and advertising practices to ensure compliance with the Principles, including ensuring that their notice and choice mechanisms are fully compliant with the Principles at all times.”

The Accountability Program’s inaugural inquiries focused on the Consumer Control Principle which requires that companies provide consumers with an easy-to-use mechanism for exercising their choice. To comply, a company’s choice mechanism must be fully functional, clearly disclosed to users, and the opt-out cookie must be set to the industry standard minimum of five years from the date that the consumer exercises choice.

Starting in August, the Accountability Program repeatedly tested the functionality, usability, and duration of consumer-choice mechanisms offered by a number of companies across five Internet browsers: Internet Explorer, Firefox, Chrome, Safari and Opera. Compliance requires an easy-to-use and reliable choice mechanism. As a result of that testing, the Accountability Program opened self-regulatory inquiries with Forbes Media Extension (FMX), Martini Media, PredictAd, QuinStreet, Reedge and Veruta.
The Accountability Program determined that:

FMX’s opt-out was set to expire in less than six months from the date of the request. Upon receipt of the Accountability Program’s inquiry, the company stated that it would quickly change the opt-out cookie’s expiration date to the five-year time frame that is the industry standard. In addition, the opt-out process took three to four minutes when accessed from Internet Explorer. The company took steps to remedy this delay. Read the decision.

Martini Media’s opt-out was set to expire less than six months from the date of the request. In response to the Accountability Program’s inquiry, the company stated that it would change the opt-out cookie’s expiration date to conform to the industry standard. Read the decision.

PredictAd’s opt-out was set to expire one month from the date of the request. In response to the Accountability Program’s inquiry, the company reported that PredictAd was no longer an active brand providing services to its partners, but would nonetheless change the expiration date of the PredictAd legacy system to meet the industry standard. Read the decision.

QuinStreet’s “Opt Out Now” buttons on four tested browsers were either missing, preventing consumers from exercising choice, or appeared as broken images that could potentially confuse consumers. Tests using the Safari browser found the “OPT OUT NOW” button to be clearly visible and the opt-out request successfully processed. In response to the Accountability Program’s inquiry, the company stated that it took immediate steps to correct the problem and ensure their opt-out button was properly displayed and functioning across each of the five browsers. Read the decision.

Reedge’s opt-out mechanism was set to expire one year from the date of the request. Upon notification by the Accountability Program, the company extended the duration of the opt-out mechanism to five years, consistent with the industry standard. Read the decision.

Veruta’s (MyBuys) opt-out mechanism was inaccessible to consumers through its web site due to a missing link. Upon receipt of the Accountability Program’s inquiry, the company stated that the opt-out link was inadvertently omitted during a software upgrade and that it took immediate steps to correct the problem and provide the required opt-out mechanism. Read the decision.

The Accountability Program will regularly issue press releases that detail its decisions. Both the press releases and the full text of decisions will be available at the home page of the National Advertising Review Council, www.narcpartners.org.

###

The Accountability Program’s inquiry was conducted under Online Interest-Based Advertising Accountability Program Procedures.

About Advertising Industry Self-Regulation: The National Advertising Review Council (NARC) was formed in 1971. NARC establishes the policies and procedures for the Children’s Advertising Review Unit (CARU), Electronic Retailing Self-Regulation Program (ERSP), the National Advertising Division (NAD), National Advertising Review Board (NARB) and the Online Interest-Based Accountability Program (Accountability Program).

The NARC Board of Directors is composed of representatives of the American Advertising Federation, Inc. (AAF), American Association of Advertising Agencies, Inc., (AAAA), the Association of National Advertisers, Inc. (ANA), Council of Better Business Bureaus, Inc. (CBBB), Direct Marketing Association (DMA), Electronic Retailing Association (ERA) and Interactive Advertising Bureau (IAB). Its purpose is to foster truth and accuracy in national advertising through voluntary self-regulation.

For more information, contact Linda Bean at 212.705.0129.

BBB Warns of Medicare Scam

11/8/2011

Posted on 11/8/2011 by

Medicare open enrollment started just last month for the fall season and already scammers are capitalizing on the period with a phone scam aimed at obtaining senior citizens’ banking information. The Better Business Bureau serving Snake River Regionis urging consumers to beware of phone calls claiming to be from Medicare offering new cards.

The BBB has received several calls describing the same story: A person calls claiming to be from Medicare. They need to verify the victim’s address to send out a new Medicare card. After the address is verified, the consumer is asked for his or her bank name and then, bank account numbers.

Consumers should never give out personal information over the telephone. Medicare does not make telephone calls regarding health care coverage. Should consumers have questions about coverage, they can call Medicare’s toll-free line at 1-800-MEDICARE (1-800-633-4227).

The Better Business Bureau suggests the following when receiving phone calls from anyone claiming to need personal information:

• Beware of door-to-door or telephone salespeople claiming to be affiliated with Medicare.

• Be wary of anyone who attempts to give you something for “free”.

• Do not give out bank account information, social security numbers or any other personal information to anyone over the phone.

• Never sign blank insurance claim forms.

• If you have questions regarding the authenticity of a call, call the BBB at 208-342-4649.

Door-to-Door Sales Brings Police Warning

11/7/2011

Posted on 11/7/2011 by

Boise Police are warning residents in the Ellen's Ferry/ State Street area to be cautious about opening their homes to door-to-door salesmen.

"I received a call of a door-to-door solicitor in the area telling residents of a recent residential burglary in their neighborhood," Boise Crime Prevention officer Charlene Miller says. The man was telling residents he needed to do a "house security check to keep you safe" because of the recent burglary.

Miller says the resident who called the department said the man covered up the card on the lanyard around his neck when she asked what business he represented, and he would not answer questions. "He wanted access to her home, which she would not give him," Miller says. The resident said her persistence paid off and the man left.

BBB spokesman Dale Dixon says the resident followed precaution precisely.
"If you don't know the person at your door, and they do not have a valid city business permit to solicit door to door, don't let them in," he says.

BBB reports other recent door-to-door activities include free carpet cleaning, packaged meat, magazine subscriptions and vacuum sales.

Miller says he and others may be working their way through neighborhoods in the Boise area. There were no recent reported burglaries within the last few months in her neighborhood. "Please be wise if you open your door to solicitors, and don't let them into your home," she says.

Tips to help protect yourself:

•Avoid letting them into your home, as a general safety tip. Burglars are known to pose as salesmen to case a house they may be planning to burglarize.

•Ask the salesmen for written material about the company and let him know you are going research the company before making a purchase. Check the company's BBB Reliability Report at www.bbb.org or contact 208-342-4649.

•Verify the company has a recent city-issued salesman's solicitor permit for door-to-door sales.

•If you decide to make a purchase, ask for a dated cancellation form and a dated receipt. Note: The Federal Trade Commission Cooling-Off Rule gives buyers a three-business-day period to cancel a purchase. Saturday is considered a business day.

Real Estate-Related “Get Rich Quick” Seminars

11/7/2011

Posted on 11/7/2011 by
Jeanne Jackson-Heim, executive director of the Idaho Real Estate Commission, warned consumers today to be cautious in dealing with several enterprises offering seminars on how to “get rich quick” in real estate.

The classes may seem like a bargain, but to get the entire package one often has to pay substantial extra amounts for additional classes, DVDs, books, and other materials. The costs can range into the thousands of dollars, and consumers sometimes end up with nothing more than a swag bag and a sales pitch. “Read the fine print, know what you are supposed to get for your money, and be extra cautious before authorizing anyone to make automatic charges to your bank or credit card account,” Jackson-Heim warned.

The marketing of real estate investment seminars and associated training materials is not necessarily illegal. However, certain ideas and approaches taught in the courses may pose potential problems for unwary consumers. Many of these classes teach people to perform illegal acts, including engaging in activities that require a real estate or mortgage license. Jackson- Heim advises consumers to avoid participating in the following activities:

 Skimming equity from short sale transactions

 Preparing false documentation to support creditworthiness

 Making misrepresentations or false statements to lenders

 Pass-through escrows

“Keep in mind that if you engage in an illegal act based on something you learned at one of these seminars, the authorities will scrutinize your actions and hold you accountable,” said Jackson-Heim. “Of course, not all real estate seminars promote questionable activity, and it is up to the consumer to decide whether to pay for one of these courses, or not. Just remember, if it sounds too good to be true, it probably is.”

Idaho residents are encouraged to contact one of the following agencies for more information:

Idaho Real Estate Commission; irec.idaho.gov; (208) 334-3285

Idaho Department of Finance; finance.idaho.gov; (208) 332-8000

Idaho Department of Insurance; www.doi.idaho.gov; (208) 334-4250

Idaho Attorney General; www.ag.idaho.gov; (208) 334-2424

Boise Better Business Bureau; www.bbb.org; (208)342-4649

Click here to read a BBB Business Review

How to Recognize When an Online Auto Deal is Bogus

11/7/2011

Posted on 11/7/2011 by

Would you like to buy a 2009 Mini-Cooper worth more than $20,000 for just $10,300? Most would jump at the chance to get such a great deal.

Would you wire $5,000 as a down payment to an auto dealer you found on the Internet to hold the Mini-Cooper, with the balance to be paid when it's delivered or you pick it up? Hopefully,most of you would know better. But not everyone does.

The FBI issued an alert in August about online auto scams. From 2008 to 2010, the FBI's Internet Crime Complaint Center received nearly 14,000 complaints from consumers who were victimized or at least targeted by these scams. Total dollar losses were nearly $44.5 million.

The FBI's alert warned about this type of scam:

The scam involves autos advertised at below market prices on legitimate websites. The buyer contacts the seller, usually by email, and usually hears a hard-luck story about why the car is being sold at such a low price.

In some cases, the phony seller moves the transaction from the original website to another one and offers a buyer protection plan in the name of a company like eBay to add legitimacy to the deal. The seller is instructed to wire the funds somewhere, after which delivery or pick-up will be arranged. The buyer loses the money wired and never gets the car.

Another auto sales scam happens when the crooks steal the identity and good name of real auto dealers, setting up bogus websites that advertise repossessed cars at cheap prices. The websites even contain certification seals that link to a phony certification agency to lend more credibility to the scam. Buyers are instructed to wire a deposit to hold a car and then directed to the address of the real dealer to pay the balance and pick up the car. Again, money wired is lost.

Watch out for these red flags of an online scam:

Prices that are too good to be true.

Sellers who only communicate by email or live chat over the Internet.

Sellers who want to move a transaction off a well-known website to another one and who claim that a buyer protection program offered by a major Internet retailer covers the transaction.

Sellers who only accept payment via wire transfer, particularly to an address in Canada or overseas.

Latest Sweepstakes Scam Pretends It’s BBB Calling

11/2/2011

Posted on 11/2/2011 by

Better Business Bureau is cautioning businesses and consumers about a website and phone calls that are purporting to be from BBB about sweepstakes’ winnings. This is a scam – BBB is not conducting a sweepstake.

A complaint filed by a Virginia consumer with BBB Richmond first identified the scam. The calls appear to come from a fake BBB employee claiming that the customer has won $2.5 million and a Mercedes Benz. The representative directs customers to http://www.better-businessbureau.org/, which contains misinformation and fraudulent claims. BBB is urging consumers not to visit this site. The official BBB website is www.bbb.org.

Should you receive such a call, please disregard its message, and report any information received to BBB’s Scam Portal. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect its trademark.

How to Select a Merchant Processing Service for Your Business

11/2/2011

Posted on 11/2/2011 by

Whether you’re looking to make a switch or picking one for the first time, choosing a merchant processor is a very important decision and can be vital to the overall success of your business. Better Business Bureau is advising business owners to do their homework before selecting a merchant processor.

One of the most important ways to make your business thrive is to please your customers and, many times, that means offering a variety of payment methods. According to one estimate, businesses forfeit up to 80 percent of consumer impulse buys if they don't accept credit cards. But, before making the switch, or picking one for the first time, business owners need to select their merchant processing service with care. To date, in 2011, BBB has received more than 1,700 complaints against credit card merchant and processing services.

“Accepting credit cards gives customers options, whether it’s to charge a purchase and pay it off over time, or to use a debit card rather than write a check. By offering your customer options, you are opening the doors for increased revenue,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “However, before selecting your merchant processing service, it’s imperative that you do your research to avoid putting your business and its success at risk.”

BBB recommends the following tips to consider when selecting a merchant processing service:

Ask around. Like with any important business decision, always make sure to get at least three estimates and check the BBB Business Review® of the merchant processing service. It may also be worth asking other fellow business leaders what service they use to get a feel for its track record.

Know where to turn. Make sure the merchant processing service has a solid support team. Can you contact them 24 hours a day? This is very important to business owners who are trying to process a card outside of the typical business hours. In any case, technical support is a must and it’s vital to your business’ success to make sure that the merchant processing service you choose has it.

Try them out. Don’t settle without a trial period. By making sure that the merchant processing service you choose has a 100 percent money-back guarantee before selecting them, you can save yourself a lifetime of hassle. See how the service tries out. Do they keep every promise that they made to you?

Make sure every penny you spend is necessary. If you have a question regarding a fee that you were charged, ask! Staying competitive with other merchant services is the name of the game for theses processors so they will want to keep you happy.

For more business information you can trust, visit www.bbb.org/us/bbb-news.

How You Give is Just as Important as What You Give – Give Wisely this Holiday Season

11/1/2011

Posted on 11/1/2011 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Giving USA Foundation, total estimated charitable giving in the United States rose 3.8 percent in 2010 (2.1 percent adjusted for inflation). The increase reflects the continued determination of every American to support charitable organizations even during challenging economic times.

“With a tight budget this holiday season, it will be important for donors to be creative when giving back and supporting those who are less fortunate,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “When looking to make a contribution, it’s important to take the time to do your research. How you give is just as important as what you give.”

BBB Wise Giving Alliance offers the following five common ways that people donate to charities over the holidays and a few things to consider:

Give items. Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop. Many charities have had great success partnering with businesses that agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt (also called embedded giving). See if the embedded promotion states which specific charity will receive the collected funds.

Give online. Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review, look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging. The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take 60 – 90 days to reach the charity since the funds are forwarded after you pay the donation charge on your next monthly cell phone bill. During disaster giving periods like Haiti, however, cell phone carriers work to forward funds faster. Of course, charities welcome donations at any time during the year.

Give your time. In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Check Privacy Policy on "Dear Santa" Websites

11/1/2011

Posted on 11/1/2011 by

More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to email St. Nick. Sadly, some of the websites aren’t always so trustworthy and can potentially be a dangerous way to share personal information. Better Business Bureau is advising parents to do their homework before letting their child write to Santa this holiday season.

Writing to Santa has been a long lasting tradition, and while it seems innocent and fun, it is very important for adults to carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

According to the Children’s Advertising Review Unit (CARU), all websites directed to children – or websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

It should also state whether the company shares information with third parties, including advertisers, and whether the company publically discloses the information or retains the information for any future purpose.

CARU offers the following ‘Dear Santa’ site review tips:

Check to see what they want you to hand over. Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses. In many cases, there really shouldn’t be a need to share this information. Especially since Santa already knows where all the children live.

Check websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Check the links. Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on website safety and children, please visit CARU at www.CARU.org and for more information you can trust, visit www.bbb.org.

BBB Urges Consumers to Support Small Business Saturday

11/1/2011

Posted on 11/1/2011 by

Arlington, VA - In honor of Small Business Saturday, a day dedicated to supporting small businesses on the busiest shopping weekend of the year, Better Business Bureau is spreading awareness and advising consumers to support the small businesses in their area.

As a joining member, BBB is teaming up with American Express OPEN to spread the word on why small businesses are so awesome. For the second year in a row, American Express OPEN has declared November 26th, the Saturday after Thanksgiving, to be Small Business Saturday. Sandwiched between black Friday and cyber Monday, Small Business Saturday is a perfect way to support the small businesses that you love.

“It’s great to have a day that’s completely dedicated to the success of our small businesses and it’s even better to think that the success of this day could lead to the growth and prosper of the small businesses in the days and years to follow,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “We’d like to encourage our consumers to take advantage of this day and show support to the small businesses in their community.”

In preparation for Small Business Saturday, FedEX will be giving away 40,000 $25 American Express gift cards to lucky consumers, which can be used to shop at small businesses on Saturday, November 26th. 30,000 will go to people who register at FedEx Facebook's page, beginning at noon CDT November 1st. FedEx will give the other 10,000 to customers.

American Express is also giving a $25 statement credit to American Express card members who spend $25 or more on Small Business Saturday at a qualifying small brick-and-mortar, independent merchant that accepts American Express. You must register to receive the credit. Registration is available in early November at www.facebook.com/smallbusinesssaturday. For small businesses, $100 in free Facebook ads will be awarded to the first 10,000 businesses that sign up at www.facebook.com/smallbusinesssaturday.

For more information on Small Business Saturday, visit http://smallbusinesssaturday.com and for more consumer information you can trust, visit www.bbb.org.

###

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

Don’t Get Smoked Out of a Chimney Sweep Scam

11/1/2011

Posted on 11/1/2011 by

With the chilly weather fast approaching, many consumers are yearning for a toasty fire by the fireplace and looking to have their chimneys cleaned in preparation. However, Better Business Bureau is advising consumers to know which businesses to trust and which to avoid to prevent their hard earned dollars from going up in smoke.

To date this year, BBB has received more than 380 complaints against chimney cleaners, which is up from the 342 complaints received in all of 2010.

“Chimney sweeping is not something that homeowners deal with often, so we may lack knowledge of the cleaning process,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Many scammers take advantage of this and do shoddy work…or no work at all.”

In some cases, consumers have reported calls stating the town fire department recommends the resident’s chimney be cleaned. The calls go on to recommend a particular chimney sweep and endorse their services on behalf of the fire department. Though town fire departments do recommend having chimneys cleaned on an annual basis, they do not endorse any particular company or inspect chimneys. Many scam artists are targeting the elderly, making vague, unclear phone calls claiming they have done business in the past and it is time for their annual sweep.

Scam artists are also advertising at a much lower price than legitimate businesses. Typically, a professional chimney sweep will charge between $150 and $200 for the cleaning of one chimney shaft, whereas scam artists are charging as little as $50. BBB advises that if a price sounds too good to be true, it usually is.

Many scam artists use a low price tactic to get in your door, at which point they recommend additional work be done immediately, bullying the consumer into a much more expensive bill. If the price you are quoted is significantly lower than that of other businesses, it should be viewed as a red flag.

BBB suggests consumers do their homework before hiring a chimney sweep and inviting them into the home. Additionally, check with your local fire department and with the Chimney Safety Institute of America (csia.org).

BBB recommends using these helpful tips when hiring a chimney sweep:

Check out a chimney sweeping business at bbb.org. Always check with BBB for a trusted chimney sweeping business in your area. Are they an Accredited Business? Do they have any outstanding complaints?

Find out how long they have been in business. How long have they operated in your area? Find out if they offer current references, or if you know anyone who has used their services in the past.

Ask if they have a valid business liability insurance policy. In the event of an accident, this policy keeps your home and belongings safe.

Find out if any employees are certified through CSIA. Though this is not law, it is recommended by the fire department, and speaks to the qualifications of the individual or business you hire. CSIA is a national nonprofit agency with a certification program for chimney sweeps and certification is required of members of the National Chimney Sweeping Guild.

For more tips you can trust, visit bbb.org.

Small Business Should Implement Big Business Protections

11/1/2011

Posted on 11/1/2011 by

Imagine coming to work one morning and finding that your office had been broken into. Hundreds of files were taken and now they were being dispersed on the Internet and used in an ID theft scheme.

Sounds like something that would not happen to your company? It happens more frequently than you would imagine. Small businesses have to step security measures for their personnel and financial information. Too frequently small businesses assume no cares about hacking their computer system because they’re so small. What they fail to realize is the records they store on the company computer are as valuable as gold.

I realized this recently when I interviewed Joe Mikitish, vice president of operations for SENtechnologies of Boise. Joe says there are numerous cases where a small company has been hacked not for any financial reasons, but for personnel reasons.

“They take that information and they use it to create false identities where they make their money,” he says.

Mikitish says he recently worked with a company that has all of its financial and personal information stored on a computer that is constantly hooked to the Internet. This small construction company didn’t realize that they had no protection at all from someone coming through the Internet and stealing their information.

“Those companies need to be managing and monitoring those files,” he says. “The risk goes beyond just their files, but to lawsuits and government fines.”

When small businesses have a leak, any damages that occur from those lost files could end up in a civil court. There are also federal laws that apply to confidentiality of employees, clients and patients that could result in fines.

In addition to hackers, companies need to keep a watch on the internal theft from employees, copyright infringement, unlawful downloads and illicit materials. Too few small business owners see these as dangers. When a company operates on one computer, there is the possibility for internal theft. Hiring an outside firm to look over your process is one answer.

In addition, BBB offers these tips:

· Initiate a ‘dual control’ payment process with your bank and employees. Ensure all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH payments, etc.   

· Have dedicated workstations. Restrict the use of certain workstations and laptops to be used solely for online banking and payments, if possible.

·  Use robust authentication methods and vendors. Make sure your financial service providers allow for "multi-factor authentication."

· Update virus protection and security software. Ensure all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.  

·  Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.  

StubHub Warns About Hacked Email; Delete it, Don't Click it

10/27/2011

Posted on 10/27/2011 by
The newest scam going around will have most people reaching for their credit cards, after they were told they'd purchased thousand dollar tickets to upcoming sports event.

Residents reported receiving an email today from the company StudHub. This company provides safe and convenient scheduling methods for athletic events, concerts and theater shows, and has been around since 2000. Some people may have used this ticket purchasing company before, but the email they received today was anything but real.

"Scammers have hacked the company and sent out emails with statements that tickets in the amount of thousands of dollars have been charged to 'your' credit card," says Dale Dixon, CEO, Better Business Bureau serving the Snake River Region.

The catch is, once you click on to the site to cancel the purchase, it steals your real credit card information. If you receive the scam email, do not click through on any links. It may steal your passwords and then give thieves access to your StubHub account, where the valid information is stored.

"We encourage anyone who has an account to change their password -- right away," Dixon warns. Go directly to the StubHub site.

StubHub posted a warning on its website already, and has labeled this attempt clearly as a phishing email.

"If you have not clicked on any of the links contained in the email, you can safely delete it," the statement reads.

BBB recommends sending a copy of the scam email to safety@stubhub.com, so they can investigate the source.

Strange email from StubHub? It's a scam.

10/27/2011

Posted on 10/27/2011 by

Consumers across the country are reporting scam emails that appear to be from ticket company StubHub. The emails try to lure recipients into sharing credit card information by falsely alerting consumers they are being charged for expensive boxing tickets to a match in Nevada.

StubHub says this scam has been hitting since 7 AM this morning, and they have had many consumer complaints. Anyone who has a StubHub account (and some who haven’t) may be at risk.

How the scam works:

The email asks you to login to your StubHub account to confirm the order.

DON’T login. A computer program may steal your password, giving thieves access to your StubHub account where valid credit card info may be stored.

Change your account password if you have an account at StubHub right away. Go directly to the StubHub site to do that, not through the email.

Send a copy of the email you receive to safety@stubhub.com, so StubHub can investigate.

If you are concerned about false credit card charges, go directly to the StubHub website and follow the instructions about how to contact the real business.

Snake River Region Residents Flock to Shred Sensitive Documents

10/24/2011

Posted on 10/24/2011 by

More than 300 people dropped off sensitive documents for shredding at Better Business Bureau's Secure Your ID Day at the Idaho Center and Red Lion Inn in Idaho Falls.

Volunteers helped guide the cars through the parking lots Saturday, where more than 6,000 pounds of paper were dropped.

“It will be recycled after it’s shredded. Cintas Document Management personnel operated the shredding trucks for two hours straight,” says Beve Bryan, coordinator for this year’s events.

She says traditionally the events continue to draw larger and bigger crowds as word spreads of the need to dispose of sensitive materials.

“We’ve now moved to a twice-year schedule,” she says.

The Better Business Bureau also partnered with Big Brothers Big Sisters to accept cell phones for recycling. More than 125 phones were collected. The phones that still work will be converted to emergency phones — those that only dial 9-1-1 - then given to homeless shelters, food pantries and other non-profits for people who can't afford a cell phone.

If you missed shredding event, BBB offers another in the spring, around tax day, April 15.

Breast Cancer Awareness Also Means Being Alert To Scams, Pink Product Puffery, BBB Advises

10/21/2011

Posted on 10/21/2011 by

With charities and consumer product companies raising as much as $6 billion a year for breast cancer research, consumers are faced with a dizzying array of pleas for direct donations and pitches for products decked out in pink ribbons.

The Better Business Bureau (BBB) urges consumers to take the time to research the charities seeking their money and to understand claims by marketers of products that purport to benefit breast cancer research. BBB research has shown that some companies are vague about how much of the purchase price of their products benefits charity or which charity receives the money.

While many charities use donations wisely, questions have been raised about the amount of money other nonprofits actually spend on research or support for breast cancer victims. For example, the New York attorney general filed a lawsuit against the Coalition Against Breast Cancer, calling it a “sham charity.” The lawsuit accuses the charity’s founder, Andrew Smith, his girlfriend and their associates of pocketing nearly all of the $9.1 million the charity raised over the last five years.

Some charities also have been accused of fudging their reports to the Internal Revenue Service by calling telemarketing efforts “education” if the phrase, “Don’t forget a mammogram” is stamped on their stationery. Roughly 1,400 tax-exempt charities nationwide are breast cancer-related.

With National Football League players sporting pink chin straps and cleats, it’s clear that breast cancer awareness is at an all-time high. But a product has to do more than turn itself pink to do good for charity, and a charity needs more than a name to make a difference.

Consumers can find reports on charities at the BBB website. The BBB’s Charity Information Service examines the percentage money a charity spends on programs, its governance, fund-raising, informational materials and effectiveness. Charities who meet all 20 BBB Standards for Charity Accountability can become BBB Accredited Charities.

Some tips for avoiding charity scams include:

Be wary of appeals that are long on emotion, but short on describing what the charity will do.
If you contribute, do not give cash. Make a check or money order out to the name of the charitable organization, not to the individual collecting the donation.
Watch out for excessive pressure for on-the-spot donations. Be wary of any requests to send a “runner” to pick up your donation.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs. Ask how much of your gift will be used for the activity mentioned in the appeal and how much will go toward other programs and administrative and fundraising costs.

If you want to support breast cancer charities by purchasing products, the BBB advises that you look into how that purchase will benefit a charity and which charity will get the money. More tips:

Inspect the product for information. Many companies clearly report on labels how much of their sales go to charity and specifically where the money goes.
Check the company’s website. If the information isn’t on the product itself, it often can be found at the website address printed on the product packaging.
If you still can’t find the information, call the company and ask for it. Firms that use charity tie-ins to market their products should be transparent to consumers.
Contact the charity directly if you have doubts they are receiving proceeds.
Check out the charity to decide whether you believe it is worthy of your support. One way to do this is by contacting the BBB to determine whether the charity meets the BBB’s 20 Standards for Accountability. You may reach the BBB by going to www.bbb.org or by calling 208-342-4649.

Before you do business with a charity or company, check their BBB Business Reviews at www.bbb.org or by calling 208-342-4649.

Hacked Email List Raises Head Again

10/21/2011

Posted on 10/21/2011 by

When Nampa resident Natalie Boyd received an urgent e-mail on October 20 from a close personal acquaintance who pleaded for financial help, her response was immediate.

"I knew he was out of the area," she says, "but, I called his cell phone to check it out."

After the phone rang through to voicemail, she reread the email that said the robbers had taken his phone, wallet, money and credit cards. It read that he was in Cyprus, victimized, and destitute. He had no other place to turn but friends for assistance and compassion.

"I'm pretty up on this scam stuff," she says. "If I see something on the news or read about it, I'll tell my friends and neighbors about it."

But, it was only after she sent $2,000 by Western Union, and received a follow-up e-mail with an earnest plea for additional money, that she realized the truth.

"It read, 'My friend that is meant to loan me the $600 said he doesn't have it,' and that he needed more money," she says.

That's when the "red flags" went up, and she called authorities and the BBB.

Robb Hicken, chief storyteller for Better Business Bureau serving the Snake River Region, says this is not the first time someone has hacked an e-mail list to solicit friends for help.

"It's just another angle on the scam that plays on the emotions of caring individuals," he says.

BBB advises caution when e-mails solicit financial aid, banking or personal information.

When a plea for assistance is raised, verify the facts before you act, he says. In this specific instance, Boyd's attempts failed because the victim was indeed on vacation - in Portland, Ore.

Boyd's friendship with the victim spans years, and they work at the same company in Nampa. She says the question of aiding her friend blurred her judgment.

"I just want others to learn from this mistake," she says.

Take Caution in Buying Meat from Door-to-Door Salesmen

10/18/2011

Posted on 10/18/2011 by

The Better Business Bureau serving Snake River Region has noticed a pattern of complaints filed against Yummy Meats, which has regional sales representatives.

Consumers claim the meat is of poor quality and the company fails to respond to refund requests, when consumers contact Yummy Meats. In addition, they are unable to leave a message as the “mailbox is full.” According to complaints, customers paid from $189 to $700 for various kinds of beef, poultry and/or fish. Consumers have described the products as being, “inedible,” “tough” and “tasteless.” Some complainants have also purchased the meat and were shorted products. The consumers were told they would receive the missing products, but have not and are unable to get a response from the company.

One consumer allegedly was asked to leave blank the check’s “Pay to” section, and her check was cashed promptly at a check-cashing outlet. This prohibits the customer from putting a stop on the check.

The BBB has processed 37 complaints about this company in the last three years. The company has an “F” rating with the BBB due to its failure to respond to 12 complaints. Many of the complaints have come from the Treasure Valley and more recently in Idaho Falls and Pocatello. Other complaints come from out of state.

When approached by a door-to-door meat salesperson, BBB advises the following:

· Avoid letting them into your home, as a general safety tip. Burglars are known to pose as salesmen to case a house they may be planning to burglarize.

· Ask the salesmen for written material about the company and let him know you are going research the company before making a purchase. Check the company’s BBB Reliability Report at www.bbb.org or contact 208-342-4649.

· Verify the company has a recent city-issued salesman’s solicitor permit for door-to-door sales.

· If you decide to make a purchase, ask for a dated cancellation form and a dated receipt. Note: The Federal Trade Commission Cooling-Off Rule gives buyers a three-business-day period to cancel a purchase. Saturday is considered a business day.

· It is difficult to verify claims regarding the source and grades of meat sold from vans and trucks. Call the USDA's Meat and Poultry Hotline: (888) 674-6854 for more information.

BBB Alert: Cancer Patients Get Pennies Of Each Dollar Donated To Breast Cancer Society

10/13/2011

Posted on 10/13/2011 by

The Better Business Bureau (BBB) is warning donors to be wary of making contributions to The Breast Cancer Society, a charity that uses most of its cash to pay professional fundraisers’ fees, employee salaries and other administrative costs.

More than 85 cents of every dollar in donated cash went to pay the charity’s fundraising costs in 2010, with less than a nickel going directly to benefit cancer patients and their families.

Since its creation four years ago, the Arizona-based charity has grown into one of the largest breast cancer charities in the nation. It received more than $48 million in cash and product donations in 2010. The charity solicits money from donors across the country.

October has been designated Breast Cancer Awareness Month, the focus of numerous special events and other efforts designed to draw attention to the disease.

Many of us feel a need to give to this very important cause, especially this month. Donors need to understand that all charities are not the same. We need to give with our hearts, but also with our heads.

High fundraising costs can be a warning sign that a charity may not be effective in providing direct help to its constituents, said Jim Judge, BBB Charity Review Director.

“Most donors want to see their money used to help people, rather than disappear into the coffers of for-profit fundraising companies,” he said. The BBB’s national Wise Giving Alliance was unable to determine whether the charity meets the BBB’s Standards of Accountability because it has not responded to requests for information.

The charity is based in Mesa, Ariz., and solicits donations through telemarketers and direct mail companies. The telemarketer that gets most of its business, Michigan-based Associated Community Services, has been targeted by several attorneys general in recent years, usually due to concerns about misleading fundraising.

The Breast Cancer Society’s president is James Reynolds II, former vice president of the Cancer Fund of America charity of Knoxville, Tenn., which was founded by his father. The BBB issued a warning about Cancer Fund of America two years ago because of the small percentage of that charity’s cash donations used for charitable work.

The salary and compensation package for James Reynolds II at The Breast Cancer Society has tripled in the past three years, to $364,000 in 2010 from $121,000 in 2008.

The charity reported that about $32 million of its revenue came in the form of donated products (such as medical supplies) in 2010, leaving about $16.5 million in cash revenue – most of that generated through telemarketing and direct mail campaigns. The charity reported that it spent about $14.1 million for fundraising in 2010. It also reported more than $700,000 in employee compensation and benefits, $66,000 in accounting and legal expenses, $83,000 in insurance and $59,000 in office-related expenses.

The Breast Cancer Society reported its program service expenses – expenses used to meet its charitable mission – were about $33.5 million last year, with $31 million of that total in the form of medical supplies which the charity obtained from other businesses and paid to be shipped to Central America, the Caribbean and Western Africa. It is unclear whether the charity ever had physical custody of the items, or if it simply paid procurement fees to a supplier to aid in shipping and distribution. Another $477,000 in non-cash assistance went to women inside the U.S.

In addition to the procurement fees, the charity reported it gave $20,000 to two cancer organizations and $374,000 in cash grants to patients.

The BBB has asked Reynolds for a breakdown on specifically what in-kind, donated items the charity distributed. Reynolds has not responded to that request.

On its website, The Breast Cancer Society describes itself as “one of the only national breast cancer charities in the U.S., with a primary focus on providing direct help and financial aid to those suffering from breast cancer.”

The website says it takes a “two-pronged approach that focuses on direct patient care and cancer research” and “is able to help cancer patients today and also funds research that prepares for tomorrow.”

Associated Community Services of Southfield, Mich., raised nearly $12.7 million for The Breast Cancer Society in 2010, making it by far the charity’s top fundraiser. About $7.1 million of that money was paid to Associated, while the charity reported its share at about $5.6 million. But the charity had to use a large portion of what it received for other fundraising-related costs, including mailing expenses.

Associated also has been the biggest fundraiser for Cancer Fund of America, Reynolds’ former charity. Attorneys general in Iowa, Oregon, Ohio, Connecticut and Missouri have taken action against Associated.

Three years ago, Associated agreed to pay Missouri $100,000 for continuing to engage in “manipulative, high-pressure fundraising tactics when calling Missourians who had asked not to be called.”

The charity did not respond to BBB questions about its operations, but Reynolds said in an email that the charity was “working through an application process” with the BBB’s Wise Giving Alliance.

The BBB offers the following advice to consumers considering donating to breast cancer charities:

If you are solicited by a telemarketer, ask the names of both the fundraiser making the call and the charity he or she is representing. Ask how much of your contribution goes to the charity and how much is retained by the fundraiser.
If you are solicited by mail, understand that a portion of your contribution may go to the for-profit company assigned to run the campaign. Call the fundraiser or charity and ask how much of your money will be going to the charity.
Contact the charity directly to find out how it uses donations from the public. Will it go to direct aid to families, to buy medical supplies, for education or for research?
Check out the charity through the BBB’s Wise Giving Alliance through www.give.org or www.bbb.org.

BBB iPhone App Now Available

10/13/2011

Posted on 10/13/2011 by

ARLINGTON, VA — Last year, consumers turned to the Better Business Bureau 87 million times to help them find trustworthy businesses and charities. Now they can have that information in the palm of their hand with the release of the official BBB Search app, a convenient, mobile BBB solution available for the iPhone, iPad and iPod Touch. The app was approved by the Apple Store and is available for download as of today.

“For 100 years, BBB has been the trusted source for unbiased information on businesses and charities,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “We have data on more than 4 million businesses in the United States and Canada – an amazing wealth of information to help consumers find trustworthy businesses…and to help them avoid those that are not. We are excited to offer this information to consumers on the go.”

BBB Search features include:

Search for local businesses by name, phone, URL, or category type
Search via current location or specified city, state or ZIP code
Display search results in list or map views
Access previous searches through the history menu
View the BBB Business Review for every business listing, complete with BBB Rating, contact info, BBB Accreditation status, consumer complaint history, and more
Save a listed business's info to Favorites or iOS contacts
Share a business's BBB Business Review URL via email, Twitter, or Facebook
Find a local BBB near you
Read the latest BBB Consumer News

Today’s launch follows a successful soft launch in June, with additional enhancements and fixes:

BBB Consumer News now includes a "pull down to update" feature.
BBB Business Reviews display a mobile-optimized interface within the app.
The ZIP code keyboard now supports letters for Canadian postal codes.
If a ZIP code was set in the Search Options, that ZIP code is also used as the default location for the Find a BBB search field.
Tapping on Find a BBB automatically displays the closest BBB location based on current ZIP code setting.
When adding a selected business to iOS contacts, the business's phone number is now always included.
Improved error handling with more descriptive and user-friendly messages.
Several minor bug fixes have been implemented and a reported crash bug on iOS 3.x devices is now fixed.

BBB Search 1.1 is available as a free app download on Apple's iOS App Store for devices running iOS 3.1 or higher. An Internet connection is required.

App Store: Find BBB Search app in the app store.

For more information, please visit: http://www.bbb.org/iphone/

About BBB
As the leader in advancing marketplace trust, Better Business Bureau® is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit http://www.bbb.org for more information.

# # #

For press inquiries, please contact Kelsey Owen:
email KOwen@council.bbb.org or phone 703-247-9376

BBB iPhone app screenshots for press use only:

BBB Warns: Latest Twitter Scam Spurs Curiosity

10/10/2011

Posted on 10/10/2011 by

You’ve heard the saying “Curiosity killed the cat.” Don’t let your curiosity get you in trouble when you receive an email that appears to be from one of your followers on Twitter.

BBB recently received one of these emails. The email reads, “I saw a real bad blog about you, you seen this?” The message is followed by a link.

Face it. When you receive a message like this, you are inclined to click on it to see what is being said about you. However, in this case, DON’T CLICK ON THE LINK! When you click on the link, you are taken to what appears to be the Twitter login page. Then you are asked to provide your user name and password. It’s not the real Twitter login page. If you look carefully at the address bar, you’ll notice that you are not actually at Twitter.com. Chances are, the person you’re following on Twitter, that appeared to send the message, has already fallen for the scam or their Twitter account has been compromised in another way.

What to do if you have fallen victim to this scam:

1. Change your Twitter password.

2. Verify that the email address for your Twitter account was not changed.

If you’ve used the same e-mail address and password on other web sites, then immediately check them out and change their passwords.
If your Twitter account is sending out phishing messages, you should also visit the Applications tab in “Account Settings”, and Revoke Access for any third-party application that you don’t recognize.

Remember, you should always be suspicious of links that you are sent in an email or that are posted on social networking sites. If you are ever in doubt, don’t click! If you click, and the site asks for your personal information, don’t give it out!

BBB Warns: Don't Fall for Scams Involving Death of Steve Jobs

10/6/2011

Posted on 10/6/2011 by

The world is mourning the death of icon, Former Apple CEO, Steve Jobs, and scammers are right there to take advantage of the bad news.

As always, the death of celebrity figures brings scammers out of the woodwork. Within hours of Jobs’ death, scammers started taking advantage of Facebook users. One scam reads: “In memory of Steve, a company is giving out 50 ipads tonight. R.I.P. Steve Jobs” and is followed by a link. There are no free iPads being given out. The link actually takes users to a page to complete online surveys. The link went through the bit.ly service and the company has since shut it down. Unfortunately, thousands of victims clicked on it before then.

This is just the beginning of scams that will try to make money off of Jobs’ death. BBB warns, stay away from anything that looks questionable or sounds too-good-to-be-true and be sure to limit your link-clicking to reputable websites that don’t claim they will give you something for free. Delete any emails that may seem too-good-to-be true.

In cases like this scam, the scammers’ goal is to drive more traffic to certain websites, which is how the scammer earns his or her money: a commission for every survey completed, every product purchased, and/or every account compromised. They also use them to spread malware and obtain personal information.

Contact Facebook Security if you see something questionable. For more consumer tips go to www.bbb.org.

Timeshare Owners Bushwhacked by First American Services

10/4/2011

Posted on 10/4/2011 by

Timeshare Owners Bushwhacked by First American Services

The Better Business Bureau Serving Central Oklahoma is advising consumers to be cautious when dealing with a company that may be bushwhacking unsuspecting timeshare owners.

The BBB began receiving inquiries about First American Services, Inc. in September, 2011. The company's mailings state that it is a reseller of Mexican resort properties and also claims to be an international event planner. (As an event planner, the company claims to have a unique perspective on the resort market and what properties are more attractive to potential buyers.) Mailings sent by the firm propose a sale of timeshare properties. An agreement included with the mailing for signature by the property owner states that no up front fees are charged, but a 5% commission is owed to First American Services within seven days after the owner has received funds, and a transfer fee of 10% will be forwarded to the property owner upon closing. The "legally binding" agreement contains a number of grammatical errors; this can sometimes indicate a lack of professionalism and familiarity with English, which is a cause for concern. (The firm's website contains similar errors of grammar and syntax.)

The BBB routinely advises timeshare owners that they should be cautious signing agreements or paying up-front fees to anyone who claims they can sell a property. “In the past, unscrupulous timeshare resellers would accept no money up front, then charge unreasonable fees to list properties in trade magazines – the magazines themselves might be purely an invention of the reseller; the fees charged for a listing might be triple the cost of placing an ad on your own in a legitimate travel publication,” says Bob Manista, President of the Better Business Bureau Serving Central Oklahoma. Despite the lofty promises and ad fees, some timeshare brokers sold few or no properties and instead made a living off the various fees and charges paid by the property owner. “If the company lived up to the initial mailing and already had buyers on the hook, there would be no reason to pay for advertising,” Manista adds.

Besides the advance fees mentioned in complaints against First American Services received by the BBB, Manista is concerned about the payment timelines suggested by First American Services’ agreement. “A typical scam these days in many venues is to forward a worthless check to a consumer, making arrangements for an immediate repayment in return. By the time the consumer realizes that the check was no good, their money has gone to the con man. The same shell game could come up dealing with a timeshare reseller. If the con man writes a bogus check and mails it to the owner demanding a payment of the commission as agreed, the property owner might be so happy that they would wire the commission without waiting for the check to clear. When they realize the check is no good, the consumer will be out not only the promised amount of the original check, but whatever funds were forwarded to the sender.”

Then again, the con man may be too impatient to bother writing a bad check. In October 2011, the Better Business Bureau received its first complaint from a client of First American Services. The complaint states that the owner of the timeshare property was approached with the opportunity to sell a Mexican resort plot for $22,500. Soon after responding to the mailer, the owner was asked to pay a "transfer fee" of about $1,150; after wiring that to a Mexican bank account, the owner then paid "closing and administration fees" of $3,450. Within a few days of transferring that payment, the owner was then told to wire another $3,400 for "closing costs." The owner refused to pay more money, complained to First American Service's management, and demanded a refund of the fees already paid. According to the complaint, First American Service's management promised a refund, but the timeshare owner has not yet seen a return of his cash.

Maybe the company will respond to the complaint? “Not likely,” Manista predicts. A BBB staff member visited the company’s stated address, which happens to be in a prominent OKC office building. “There’s no company in the directory beginning with the letter F, and the building staff didn’t recognize the company name as being associated with any tenant. We’re expecting the complaints and our inquiries to the company to be returned the next time we see our mail delivered.”

The BBB recommends extreme caution in dealing with the firm until more is known about the business and its practices. Under no circumstances should timeshare owners pay any fees until they are certain payment for the property has cleared their accounts.

Ethical Business Celebrated at Integrity Counts!

10/3/2011

Posted on 10/3/2011 by

Businesses that hold to ethical and legal standards will succeed, said Melaleuca CEO Frank VanderSloot, even in today’s depressed economy.

“The businesses that will prosper, over time, will be those who keep the people’s trust” he told the more than 300 people gathered on NNU campus to celebrate business ethics. “The ones who will garner loyal employees are the ones who treat their employees ethically. Those who keep their customers are those who keep their promises to their customers.”

When he first began at Melaleuca, nearly 25 years ago, he shut the company down, plowed the multi-level marketing business model under, and moved it in a new direction. After turning it, the company has now grown to be listed in the Fortune 500.

“I don’t think any amount of public relations can substitute for a real experienced based reputation,” he said. The biggest challenges were going to those who had been involved in the company before, and telling them of the changes. But, the business could not move, ethically and legally, forward under the old business model.

VanderSloot, keynote speaker, said the Better Business Bureau’s Integrity Counts! program, on Sept. 29, 2011, was just one manifestation of how businesses should be honored for their correct business decisions. The celebration was in Northwest Nazarene University Brandt Center in Nampa.

In its 15^th year, the annual event starts each spring with customers, vendors – and sometimes competitors – nominating businesses that operate with high levels of integrity.

VanderSloot said, “There’s a whole lot to be said for this whole idea of ethics and integrity, because we as business people are under attack.”

He said that regulations, imports and exports, taxes and personal standards are all distractions to what drew the world to the United States to do business. That draw was and still is free enterprise.

For hundreds of years, people came here to succeed in business.

“Free enterprise is under attack simply because there is the ‘profit’ motive, which many think may be an unethical motive,” he said.

He looked outside the U.S. borders at how many nations that once thought that way have since changed.

He used the China of 30-plus years ago, and how its policy toward business had changed. At that point in time, profit was considered evil and avoided. However, “in China, now, business is a good thing, while in America, it’s a kind of the shady thing.”

If American business leaders will hold to the values of honesty, truthfulness, having their word be their bonds, and making things right when they make mistakes, business will flourish again.

Those honored with Integrity Counts! Awards included:

Harrison’s Hope Inc., Heart n’ Home Hospice & Palliative Care, Les Bois Federal Credit Union and Total Handyman Solutions.

Nominees this year included: Anita’s Jewelers, Best Bath Systems, Brown & Patrick P.C. Attorneys at Law, Dowdy’s Automotive, Drake Mechanical, Edwards Jones Office of Eric Boyum, Intermountain Community Bank, KNG, Merchants Moving & Storage, Paul Davis Restoration of SW Idaho, Premier Insurance, Right_Now Heating & Air Conditioning, SGW Designworks, Swaim Chiropractic, ThoseCrazyCards, TitleOne Corporation, Treasure Valley Hearing & Balance Clinic, Treasure Valley Remodel & Restoration, Tribute Media, TSS One Hour Heating & Air Conditioning, Witco Inc., and Young Life Idaho Region.

BBB Advises Debit Card Users to be on the Lookout for New Fees

10/3/2011

Posted on 10/3/2011 by
Better Business Bureau is alerting consumers that they may be seeing new fees on their bank statement for using their debit card.

Recent changes in banking laws capped the “swipe fee” that banks can charge retailers for debit transactions. The average fee was 44 cents per transaction, but the new law caps the fee at 21 cents. Banks estimate they will lose hundreds of millions of dollars a year in debit card transaction fees and are looking to recoup that money from customers by modifying various checking account fees.

Some of the nation’s largest financial institutions already have announced a flat monthly fee of $3-$5 for debit card use, although some may go to a per-transaction fee, particularly for infrequent users.

BBB is advising consumers and business owners to be on the alert for notices from their financial institutions about changes in the terms of their accounts. “If you don’t understand a notice you receive or see a new fee on your account statement that you weren’t expecting, contact your financial institution and ask for an explanation,” said Council of Better Business Bureaus spokesperson Katherine Hutt.

Account holders may want to ask their bank if there are programs to waive the fee for accounts with a minimum balance. It also pays to shop around; some financial institutions may keep no-fee debit cards.

For more consumer information you can trust, visit www.bbb.org/us/bbb-news.

Naming Names - October 2011

10/3/2011

Posted on 10/3/2011 by

Naming Names is about accountability. The BBB enforces business standards and holds both accredited and non-accredited businesses accountable.

Multi-level Selling Co top list of complaints in Naming Names

MOST INQUIRED ABOUT
HEATING & AIR CONDITIONING .................................248
ROOFING CONTRACTORS.……………………………..168
AUTO REPAIR and SERVICE…………………………….161
PROPERTY MANAGEMENT……………………………....47
PLUMBING CONTRACTORS………………………………46
CONSTRUCTION & REMODELING SERVICES.………..43
CARPET & RUG CLEANERS ……………………………..35
AUTO DEALERS-USED CARS……………………………31
PAINTING CONTRACTORS ………………………………31
INSULATION CONTRACTORS …………………………..30

Most Complained about
MULTI-LEVEL SELLING CO………………………………25
BUSINESS OPPORTUNITY COS…………………………14
INTERNET SHOPPING SERVICES……………………….12
REAL ESTATE MANAGEMENT……………………………12
AUTO DEALERS-NEW CARS……………………………….9
ROOFING CONTRACTORS…………………………………5
AUTO DEALERS-USED CARS……………………………..4
COLLECTION AGENCIES…………………………………..4
HEALTH CLUBS………………………………………………4
HOUSE CLEANING…………………………………………..4

Naming names

This month's newsletter reveals the Top Ten most inquired about and most complained about businesses at the BBB this past month. Naming Names is about accountability. The BBB enforces business standards and holds both accredited and non-accredited businesses accountable.

Multi-level selling companies continue to draw complaints, with Melaleuca, Inc. having 22 complaints, Scentsy having 3 complaints, and The AIM Companies with a single complaint.

Business opportunity companies showed Internet Sales Institute with the most complaints of nine.

Internet shopping services saw a rise in complaints, with Clickbank.com receiving 13 complaints, and Bodybuilding.com with one complaint.

Real estate management has a list of individual companies that had a single complaint this past month. Tomlinson & Associates, Inc., J.M. Auld Investment, Chapman Properties, Apex Property Management Solutions, LLC, Park Place Property Management, Idaho Cabin Keepers, Ace Realty & Property Management, Property Management Pros, LLC, Blue Door Property Management, Helpurent.com, Calvert Property Management and Reliable Property Management Inc. were listed.

Auto dealers – new showed Larry H. Miller Chrysler Jeep Dodge had two complaints, and several businesses with one complaint: Pete’s Auto, Teton Toyota, Mountain Home Auto Ranch, Edmark Superstore, Steve’s Hometown Motors, Inc., Bronco Motors and Lithia Ford Lincoln of Boise.

Roofing Contractors continue to receive complaints, with Earnest Home Improvement & Commercial having three complaints. Others with one included Wise Roofing, LLC, All Pro Construction, and Idaho Home and Energy.

Auto dealers – used showed Combs Car Corral, Thrifty Car Sales of Mountain Home, Internet Auto Rent & Sales, and The Car Shack were all listed as receiving one complaint.

Collection agencies experienced complaints this past month: Action Collection Service, Crowne One Network, Intermountain Credit Services and Medical Recovery Services.

Health clubs recorded complaints against Idaho Athletic Club, Anytime Fitness and Apple Athletic Club.

House Cleaning complaints, four of them, were filed against Boise Cleaning Services.

BBB Advises Business Owners to Secure Their Online Banking

10/3/2011

Posted on 10/3/2011 by

October is National Cyber Security Awareness Month and Better Business Bureau is advising business owners to protect their identity when using online banking.

Online banking is a great tool to help small businesses quickly and conveniently track financial information, as well as pay their bills and employees. However, data thieves are now targeting small business owners — and their employees — to get access to their online banking credentials and accounts so that they can make unauthorized money transfers. A small business can protect itself against increased liability on its financial transactions by using strong procedures to secure the credentials they use to access their bank accounts.

“In this day and age when practically everything is done on the Internet, it’s extremely important to take the necessary precautions,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Not only are your business’ financials at risk when you don’t secure your banking, but your employees records could be compromised, too.”

BBB recommends the following guidelines to help you protect the computers you use to access your bank accounts and your online access credentials.

Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH payments, etc.

Have dedicated workstations. Restrict the use of certain workstations and laptops to be utilized solely for online banking and payments, if possible. For example, a workstation or laptop used for online banking should not be used for web browsing or social networking.

Use robust authentication methods and vendors. Make sure your financial service providers allow for "multi-factor authentication." This means that you need more than just a username and password to access your account.

Update virus protection and security software. Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.

Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

For more tips on data security, visit www.bbb.org/data-security.

Layaway Now for Later: BBB Advice on the Layaway Process

10/3/2011

Posted on 10/3/2011 by

The current economy has left many shoppers on a budget and searching for more affordable methods of paying for big-ticket items and holiday gifts. This holiday season, many families will be turning to alternate forms of payment to make ends meet. With many stores offering layaway services, Better Business Bureau is offering advice on how to use this payment plan in lieu of credit cards.

Once considered a dated, old-fashioned method of payment, layaway services are back in a big way, with many businesses now shaking the dust off their layaway programs for today’s beleaguered consumers. Buying items on layaway is different from putting them on a credit card because the buyer isn’t charged interest on the purchase and can’t take the item home until it is paid off. When purchasing items on layaway, the buyer must typically make a down payment of 10 to 20 percent and pay any service or plan fees for the store to hold the item for them. The customer then has typically 30 to 90 days to make periodic payments to pay off the balance. Once it is paid off, the customer can take the items home.

“Layaway services can be a great alternative to the using a credit card,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “However, it’s extremely important that customers take note of the fine print and know what to expect.”

As a complement to in-store layaway, some stores provide online layaway services for purchasing items through the retailer’s website. Additionally, third-party businesses have sprung up for the purpose of setting up layaway plans online between customers and retailers that don’t already have a layaway program. Customers make periodic payments to the third-party layaway service provider. Once the item is fully paid for, the business then buys the item from the retailer and ships it to the customer.

When buying items on layaway, BBB advises consumers to get everything in writing and offers the following checklist of questions to ask:

• How much time do I have to pay off the item?

• When are the payments due?

• How much do I have to put down?

• Are there any storage or service plan fees?

• What happens if I miss a payment? Are there penalties? Does the item return to inventory?

• Can I get a refund or store credit if I no longer want the item after making a few payments?

• What happens if the item goes on sale after I’ve put it on layaway?

• Does the retailer or third-party layaway service have a good BBB rating?

For more advice on how to be a savvy consumer this holiday season, visit www.bbb.org/us/bbb-news.

Guide to Gift Card Giving: BBB Advice for Purchasing Valuable Gift Cards

10/3/2011

Posted on 10/3/2011 by

With the holiday season right around the corner and the economy putting the squeeze on budgets, many shoppers are going to be looking for the best gift options this holiday season. For those looking to give gift cards to family and friends, BBB is recommending that you do your research before purchasing a gift card.

So far, in 2011, BBB has already received more than 440 complaints against the gift card industry, a huge increase from the 33 complaints received in 2010. In some cases, consumers are disgruntled when they are given an expired gift card with loaded cash that isn’t usable until the expiration date is corrected. After sending the expired card in for replacement, the consumer is left empty handed when the card fails to ever return to them.

“Consumers need to be on the lookout for gift cards that appear to be ‘open’ or out of their original package, and cards that state an expiration date that is coming up or that has passed,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Shoppers should be wary of online auction sites that promise ‘full value guaranteed’ gift cards. It’s sites like these that are prone to selling old, valueless cards that leave the gift giver and receiver distraught.”

BBB recommends the following tips for both givers and receivers of gift cards:

Know the rules. New federal rules that took effect in August of 2010 are designed to protect consumers, and will restrict fees and affect gift card expiration dates. These new rules apply to two types of cards: Retail gift cards, which can only be redeemed at the retailers and restaurants that sell them; and bank gift cards, which carry the logo of a payment card network like American Express, Visa, or Mastercard and can be used wherever the brand is accepted.

Check it out. Make sure you are buying from a known and trusted source. Always check out a business at www.bbb.org. Avoid online auction sites, because the cards sold there may be counterfeit or may have been obtained fraudulently.

Read the fine print before buying. Is there a fee to buy the card? Are there shipping and handling fees for cards bought by phone or online? Will any fees be deducted from the card after it is purchased?

Inspect the card before buying it. Verify that no protective stickers have been removed, and that the codes on the back of the card haven’t been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.

Provide the receiver with back up. Give the recipient the original receipt in case the card is later lost or stolen. Also, before you buy retail gift cards, consider the financial condition of the retailer or restaurant. A card from a business that files for bankruptcy or goes out of business may be worthless. If the business closes a store near the recipient, it may be hard to find another location where the card can be used. A business that files for bankruptcy may honor its gift cards, or a competitor may accept the card. Call the business or its competitor to find out if they are redeeming the cards, or if they will do so at a later date.

Treat the gift card like cash. For receivers, it’s important to report lost or stolen cards to the issuer immediately. Some issuers will not replace cards that are lost or stolen, while other issuers will, for a fee. Make sure to use gift cards as soon as possible, because it’s not unusual to lose or forget about them.

For more consumer tips you can trust, visit www.bbb.org.

BBB Advises Debit Card Users to be on the Lookout for New Fees

10/3/2011

Posted on 10/3/2011 by

Starting October 1, 2011, banks will be testing a new monthly fee with their debit card users. Better Business Bureau is advising consumers and businesses alike to read the terms and conditions of their banks statements, and to take note of the routine paperwork that comes with statements.

According to the Wall Street Journal, the rule caps the amount banks can charge merchants for processing debit-card payments at 21 cents, plus a little more to cover fraud-related costs.

With the newly instated fees, debit card users will be charged a monthly fee if they use their card as a debit card when shopping. ATM, online banking transactions and premium accounts will not be affected by the fee.

“As a reminder, it’s always important to check your bank statements,” said Council of Better Business Bureaus spokesperson Katherine Hutt. “Whether you check your statement online or wait for a paper copy, ask questions if you are unsure about a charge, and communicate with your bank about any discrepancies or concerns.”

As banks start to scale back on debit rewards programs and add monthly fees for checking accounts, consumers and business owners alike need to be on the lookout and check with their bank to see if the fees apply to them.

For more consumer information you can trust, visit www.bbb.org/us/bbb-news.

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

10/3/2011

Posted on 10/3/2011 by

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

Arlington, VA – October 3, 2011 – Child identity theft is a growing crime that is causing damage to the pristine credit reports of children. Hundreds of online businesses are finding inactive Social Security numbers online – most of which are assigned to children under the age of 18 who have not started using them yet. These scammers are then selling the numbers under different names to help people establish fake credit. Protecting your child’s innocent, clean record is something that every parent needs to do.

Recognizing the need for a nationwide grassroots consumer education outreach, the Council of Better Business Bureaus (CBBB) is joining government agencies and national advocacy organizations in launching the 4th annual National Protect Your Identity Week (PYIW) October 16 – 22, 2011. This event coincides with CBBB’s Secure Your ID Day to be held on October 22, 2011. During PYIW, BBBs will conduct identity theft protection events in communities across the nation. At the local events consumers can take advantage of educational workshops and the shredding of documents, all free of charge and open to the public.

Identity theft touched the lives of more than 8.1 million adult victims in 2010. According to a report from Javelin Strategy and Research, the theft resulted in the loss of $37 billion dollars. On top of that, children may be 51 times more likely than adults to have their identity stolen, according to a study conducted by AllClear ID.

“We are all at risk for identity theft, but our children are particularly vulnerable,” said Council of Better Business Bureaus spokesperson Katherine Hutt, whose own son was a victim of identify theft his first semester in college. “It’s our role as parents to understand how to protect our children, and to teach them how to safely manage their personal information.” She noted that BBB plans to continue helping communities guard against identity theft with more products, services and programs in the future.

Consumers can find PYIW educational events in their area by going to the website at www.ProtectYourIDNow.org. The site also features an interactive quiz to help consumers assess their risk of identity theft, videos, blogs and identity theft prevention tips. The website is also available in Spanish at www.cuidesuidentidad.org.

PYIW is hosted by the National Foundation of Credit Counseling, the National Association of Triads, Inc. and the National Sheriff’s Association. Other national organizations that lend their support to this initiative include: American Bankers Association Education Foundation, AFSA Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition, Junior Achievement USA, National Crime Prevention Council, National Education Association Member Benefits, Office of the Comptroller of the Currency, and U.S. Social Security Administration.
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Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

CONSUMER ALERT: Phony Meals On Wheels Solicitor Calls Local Consumers

9/29/2011

Posted on 9/29/2011 by

The BBB received calls today from consumers who have been solicited for donations to support the Meals On Wheels program.

The caller states that a representative will be out to the residence to collect the money. The BBB spoke to a representative of the Meals On Wheels program who informed the BBB that they are not making calls soliciting donations. Contributions for Meals On Wheels program are never solicited in this manner.

BBB offers the following advice to make sure donations go to worthy charities:

· Research the Charity in Advance. Before making a contribution, visit www.give.org to view a detailed report on the organization.

· Ask Questions. Do not hesitate to ask for written information that describes the charity’s programs, community reputation, privacy policy and financial standing. If a charity is reluctant to answer these reasonable questions, it should be considered a red flag.

· Avoid Giving Cash. Cash donations are difficult to track, making it harder for consumers to get tax deductions and easier for scammers to go unnoticed. It is best to use a credit or debit card which offers consumers protection in case a problem arises. If you must write a check, make it out to the name of the charitable organization, not to the individual collecting the donation.

· Be Wary of Imitations. Keep an eye out for fake charities that imitate the name and style of well-known organizations in order to potentially steal personal information such as credit card numbers.

· Confirm Text Code Numbers. If you plan to donate by text message, confirm the text code number directly with the charity. Also, keep in mind that text message donations are typically not immediate. Depending on your cell phone provider, the donation may not show up on your bill for 30 to 90 days.

· Watch Out for High Pressure-Solicitations. Do not give in to excessive pressure for an immediate donation. Be wary of appeals that are long on emotion but short on describing what the charity will actually do to meet their organizational goals.

· Protect your Personal Information. Never give your credit card number or other personal information in response to an unexpected telephone call, e-mail or personal message on your social media profile from someone that is soliciting a donation.

· Find out about Tax Deductibility in Advance. For your donation to be tax deductible, the charity must be tax exempt under section 501(c)(3) of the Internal Revenue Code. Visit IRS Publication 78 on www.irs.gov for a current list of all organizations eligible to receive contributions that are deductible as charitable gifts.

Facebook for the Family is Great Opportunity

9/29/2011

Posted on 9/29/2011 by

EVENT:

Topic: Facebook and the Family

6:30 p.m., Wednesday, Oct. 5, 2011

Red Lion Downtowner

1800 Fairview Ave.

Boise, Idaho

Free Event

An entire generation of young people has now grown up with the computer, and an increasing younger population has grown up with putting information about themselves on the Internet. But, are they safe.

It's these questions and others, Boise community activists area asking. What is the tactics that we, as parents, should be taking with our families when interacting with the Internet.

Now, Idaho Fraud Awareness Coalition, Association of Certified Fraud Examiners Boise Chapter, and High Technology Crime Investigation Association are trying to help families be more aware and prepared for Internet. A free seminar titled, "Facebook for the Family" focuses on social networks, proper usage, and dangerous and ridiculous posts.

Neal B. Custer, president of the Custer Agency, says, "The information in the three-day event is useful and can help prevent harm and fraud in our closest relationships: Our families."

The seminar, featuring acclaimed author/investigator Cynthia Hetherington, is part of a three-day business seminar that covers from advanced internet and online intelligence methods, to ethics and safety tactics online. It also deals with the legal matters: what to do, how to investigate, interviewing, and preparing for prosecution.

"It's a great opportunity for businesses, too, to understand what to do and what not to do on Facebook," he says.

The seminar is scheduled for 6:30 p.m., Oct. 5, 2011, at the Red Lion Downtowner, 1800 Fairview Avenue, Boise. There is no charge for this seminar.

ABOUT:

Cynthia Hetherington has more than 15 years of experience in research, investigations and corporate intelligence. She is the founder of Hetherington Group, a consulting, publishing and training firm focusing on intelligence, security and investigations. Cynthia most recently was the leader of Aon Consulting's Corporate Strategic Intelligence group.

Cynthia applies her expertise in library science and information systems to provide clients with strategic insight into research and complex investigations. During her career, she has assisted a vast number of clients with Internet investigations related to employee theft and intellectual property loss.

Cynthia has also applied her research skills while conducting online and database research to uncover well-hidden relations between fraudulent associates, their assets and secrets. She has experience overseeing international investigations for Fortune 500 companies and other organizations in the Middle East, Europe and Asia.

BBB Urges Caution When Considering a Paving Contractor

9/27/2011

Posted on 9/27/2011 by

BBB has received several phone calls from people in the Idaho Falls area regarding apparent paving and sealing contractors soliciting business and homes.

According to complaints, a solicitor knocks on the door claiming to have extra asphalt leftover from a nearby job. The offer to pave the drive is $2,200, but when the offer is taken, the price increases to $8,500. BBB contacted the company in question, but the owner refused to discuss his advertising or solicitation practices.

"It's important to weigh the urgency in the contact's voice and not be pressured into something you don't need or want," says Robb Hicken, BBB chief storyteller. "The fact that a contractor has extra material and is offering a great deal, should not be an influencer in making a good decision. Know whom you are doing business with; check with your BBB."

Each paving season, bands of con artists travel through the region to scam unsuspecting homeowners and business people. They often target senior citizens.

This is a reminder for consumers to be vigilant and to take note of some of the asphalt paving scam warning signs:

•Selling door-to-door: Reputable asphalt contractors will rarely, if ever, sell their product door-to-door. If you do end up signing a contract with a contractor in your home, you have 10 days to cancel it, according to the Ontario Consumer Protection Act.

•Claiming they have leftover asphalt from another job: Professional asphalt contractors will know, with great accuracy, how much paving material is needed to complete a project. Rarely will they have leftover material.

•Push you to make a quick decision: Reputable contractors will provide a written estimate that will be valid for days or weeks. If the great deal they are offering you today is not available tomorrow or next week, it is probably a scam. Never hire someone on the spot. Ask for references, then check them

•No contract offered: Insist on a written contract specifying in detail the work to be performed and the agreed total price - not the price per square foot. Chances are unless you measured the area to be paved, you do not know what the total cost will be.

•Cash-only sales: Most reputable contractors take checks or credit cards and don't require or accept cash-only terms.

•Deals that seem too good to be true: If the quoted price seems very low, chances are the quality of work will also be quite low. In fact often the prices given are stated to be cheaper than normal when they are actually more expensive.

•Unmarked trucks: Often the trucks they travel in are unmarked or they have an out-of-town address and phone number. A little research will reveal that they have no permanent address and the phone number is often an answering machine.

Professionally done asphalt paving will last for many years, and most reputable contractors will stand behind their work. They will also know whether or not a permit could be required before work begins.

How to Manage Your Business’ Credit Wisely

9/27/2011

Posted on 9/27/2011 by

Whether you’re in the beginning stages of starting up your own business or looking to manage your current business’ credit more efficiently, it’s always important to stay on top of your finances. Better Business Bureau is advising business owners to follow a few simple steps to ensure the financial health of their business.

As your business starts to grow, it’s important to build a good credit record for your business that is separate from your personal credit record. Getting credit in your business’ name can help you qualify for lower rates on loans and leases, and can help protect your personal credit record — which could suffer if you have too much business debt.

“It’s never too early to start to establish a separate credit record for your business, even if your business is still in the very early stages,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Keeping your business cards separate helps with record-keeping — many card companies provide special spending reports that can tie in with your business book-keeping software and make it easier to keep track of your business expenses at tax time.”

BBB recommends following these simple steps to manage your business’ credit:

Establish a consistent identity. Always use the same business name, address and phone number from the beginning, so it will be easy for the credit reporting agencies to keep your records in one file. Consider incorporating to legally establish a business identity that is separate from your personal identity.

Open your first accounts. Get a separate checking account for your business. Also open an account with an office supply firm or other supplier that reports the transactions to business credit reporting agencies. Make small charges and pay them immediately — before the invoice even arrives (unlike personal credit scores, you’ll get extra credit for paying before the due date).

Provide key documentation. Lenders will generally ask for your business’ tax records and earnings statements for the past few years so they can see how much you have earned in the past. And they may also ask for a business plan so they can assess your potential for future earnings. They are often interested in looking at your cash flow in relation to expenses and your total debt in relation to your earnings. Provide all of this documentation along with explanations to present the strongest case, especially if you have irregular earnings throughout the year, to prove to lenders that you expect to earn enough money to pay your bills in the future.

Apply for a DUNS number from Dun & Bradstreet, one of the major business credit reporting agencies (go to www.dnb.com). It usually takes 30 days to establish a DUNS number, or you can pay extra for an expedited account. Then make sure that the businesses where you have trade accounts are reporting the information about your on-time payments to Dun & Bradstreet. It’s also a good idea to provide extra information about your business for your credit file. This is where potential lenders and others will find out about your business and the likelihood that you’ll make on-time payments for your loans, equipment leases and office leases, which will affect the terms and rates. After you have a DUNS number, open a few more trade accounts with other businesses that send information to the credit-reporting agencies, make small charges, and pay those bills early, too. Check your account for errors and to make sure you’re getting credit for your early payments.

Check your business’ credit score. Similar to a credit score for individuals, a PAYDEX score distills the information in your Dun & Bradstreet credit report into one number, which shows potential lenders the likelihood that you’ll make your payments on time. These scores range from a low of 0 to a high of 100. A score of 80 to 100 generally means that you pay your bills before the due date; 50 to 79 means a medium risk of late payment (averages 30 days or less beyond the loan’s terms); and a score of 0 to 49 means a high risk of late payment

For more business tips you can trust, visit www.bbb.org/credit-management/small-business-credit/.

BBB WARNS Businesses to Avoid New Scheme to Gather Your Information

9/27/2011

Posted on 9/27/2011 by

Paul Shephard, Business Relations Consultant with BBB serving the Snake River Region, talked with an accredited business owner today who said he was approached by a caller who identified himself as a company working with the Better Business Bureau.

"The caller said he was working with companies to improve their BBB rating," Shephard says. "The funny thing is this member already has an 'A-minus' rating, which is a great rating."

The caller, which appears to be a telemarketer, is contacting local businesses, falsely stating to be from the BBB and calling about a complaint or to update BBB files. The telemarketer proceeds to ask questions that have nothing to do with BBB business and leaves as a contact number 1.800.CALL.BBB.

"The BBB in the Snake River Region does not and has not contracted with anyone to help companies improve their ratings," says Robb Hicken, BBB chief storyteller.

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

A national consumer awareness alert has been issued as well on this type of imposter, Hicken says.

If you have questions on the grading system, read this overview.

BBB Warning About IRS Scam

9/22/2011

Posted on 9/22/2011 by

The BBB is warning people about a scam that makes people believe they owe the IRS money. The paperwork is sent on IRS letterhead and very official looking form. The letter asks for personal information such as your name, date of birth, bank account numbers, and a copy of your passport, things the IRS does not usually ask for in writing. The letter also states to correspond only via email, a huge red flag.

The IRS and BBB warns people to be wary of a number of IRS-related scams, including:

Fictitious claims for refunds or rebates based on excess or withheld Social Security benefits.

Claims that Treasury Form 1080 can be used to transfer funds from the Social Security Administration to the IRS enabling a payout from the IRS.

Unfamiliar for-profit tax services teaming with local churches.

Homemade fliers and brochures implying that credits or refunds are available without proof of eligibility.

Offers of free money with no documentation required.

Promises of refunds for "Low Income -- No Documents Tax Returns."

Claims for the expired Economic Recovery Credit Program or for the Recovery Rebate Credit.

Advice on claiming the Earned Income Tax Credit based on exaggerated reports of self-employment income.

E-mail scams are often sophisticated and hard to detect. Red flags include requests for detailed personal and financial information, including information the IRS should already have, such as your Social Security number; threats of consequences for not responding to the notification; and incorrect grammar or odd phrasing.

Remember, if the IRS needs information, it will generally send a letter. Don't respond to unsolicited e-mails or other communications asking for confidential information and don't click on attachments or links that may cause malware to be downloaded to your computer.

Anyone with questions about a tax credit or program should visit IRS.gov, call the IRS toll-free number at (800) 829-1040 or visit a local IRS Taxpayer Assistance Center.

And for other scams other than phishing schemes, you may report the fraudulent misuse of the IRS name, logo, forms or other IRS property by calling the TIGTA toll-free hotline at 1-800-366-4484 or visiting the TIGTA Web site.

Medical Identity Theft

9/22/2011

Posted on 9/22/2011 by

A person needs medical treatment or even surgery and doesn’t have insurance. What’s he going to do? Some people will resort to stealing your medical insurance and other personal information.

What does that mean for you? It could mean false information goes into your medical file, such as test results that aren’t yours, inaccurate history of drug or alcohol abuse, etc. That, in turn, could lead to improper treatment.

How do you know if your personal or health insurance information has been compromised? According to the Federal Trade Commission (FTC), you may be a victim of medical identity theft if:

•You get a bill for medical service you didn’t receive.

•Your medical Explanation of Benefits (EOB) statement shows claims for treatment you did not receive.

•A debt collector contacts you about a medical debt you don’t owe.

•You order a copy of your credit report and see medical collection notices you don’t recognize.

•You try to make a legitimate insurance claim and your health plan says you’ve reached your limit on benefits; or

•You are denied insurance because your medical records show a condition you don’t have.

How do you avoid medical identity theft, or at least diminish the risk? The FTC provides on their website at www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt10.shtm the following information:

•Verify a source before sharing information. As always, don’t give out personal or medical information on the phone or through the mail unless you made the initial contact. Medical identity thieves pose as employees of insurance companies, doctor’s offices, pharmacies, etc. to get your personal information. They use this information in false claims for Medicare reimbursements.

•Protect your medical information just as you would your credit card or social security information. Shred papers that you are tossing. The FTC says it is a good idea to destroy the labels on your prescription bottles and packages before you throw them out.

Kelley Blue Book Warns of Fraudulent Online Car-Buying Scams Masquerading as kbb.com

9/21/2011

Posted on 9/21/2011 by

Attn: Car Buyers and Car Sellers - Alert From Kelley Blue Book
Beware of Fake kbb.com Web Site

IRVINE, Calif., Sept. 21, 2011 /PRNewswire via COMTEX/ -- Kelley Blue Book www.kbb.com the leading provider of new car and used car information warns online car buyers of a scam using a fake Kelley Blue Book website. The scams look to solicit funds from buyers via an escrow-based, guaranteed buyer-protection program, which Kelley Blue Book does not offer.

Kelley Blue Book has received a small but increasing number of inquiries over the last few months regarding the protection program. The FBI claims that every 90 minutes a complaint is filed and an auto shopper loses $1,000 every hour due to fraudulent websites and phony vehicle listings.

Kelley Blue Book warns that any escrow-based consumer-to-consumer service or Buyer & Seller Protection Program offered under its name is a scam. Car shoppers should be aware that imitation websites have a similar look-and-feel to the actual kbb.com and they should be cognizant of the domain name (URL) and email address (view the actual address, not the display name) provided by the seller. Car shoppers that encounter this type of offer from online sellers are strongly urged to report the seller to the Internet Crime Complaint Center at www.ic3.gov

How the Scam Often Works:

Typically, a seller will list a car that they do not own on a reputable vehicle listings website. Emails from the seller often provide a story about a quick divorce or military deployment that requires fast liquidation of the vehicle at a low price and the inability to execute the sale in person.

The next phase of the scam includes the seller moving the transaction to a fraudulent website other than where the car was listed, making it easier to conduct a crime. The alternate site may include guarantees that are backed by reputable companies, promises for the return of funds should a vehicle not be delivered, and may look similar to Kelley Blue Book's kbb.com website by using logos and similar fonts and colors. The majority of these sites are often poorly written with multiple spelling errors.

The seller then instructs the potential buyer to wire a partial or full payment to a third-party, such as Kelley Blue Book and fax the seller proof of payment. By the time the buyer realizes what has happened, the money and the seller are long gone.

"Recently, criminals have added sophisticated technology to their scam by adding 800 numbers and offering live chat with potential buyers in an effort to ease their concerns about online car buying and detailed information on the fraudulent buyer protection programs," said Shayne Brown, associate general counsel, Kelley Blue Book. "Kelley Blue Book is working diligently to have these sites removed from the Internet, but in the mean time, car shoppers should know that any type of online consumer escrow service backed by our company is a scam."

For tips on how to protect yourself from phony online car-buying scams or fraudulent buyer protection programs, visit the FBI at: http://www.fbi.gov/news/stories/2011/august/car_081511/car_081511

For more information and news from Kelley Blue Book's kbb.com, visit www.kbb.com/media/ Follow us on Twitter at www.twitter.com/kelleybluebook (or @kelleybluebook), or like our page on Facebook at www.facebook.com/kbb

About Kelley Blue Book ( www.kbb.com )

Founded in 1926, Kelley Blue Book, The Trusted Resource®, is the only vehicle valuation and information source trusted and relied upon by both consumers and the industry. Each week the company provides the most market-reflective values in the industry on its top-rated website www.kbb.com , including its famous Blue Book® Trade-In and Retail Values and Fair Purchase Price, which reports what others are paying for new cars this week. The company also provides vehicle pricing and values through various products and services available to car dealers, auto manufacturers, finance and insurance companies as well as governmental agencies. Kbb.com provides consumer pricing and information on minivans, pickup-trucks, cars, hybrids and SUVs. Kelley Blue Book Co. Inc. is a wholly owned subsidiary of AutoTrader.com.

Public Invited to Celebration of Ethical Business

9/21/2011

Posted on 9/21/2011 by

About 300 people are expected to fill the Northwest Nazarene University Brandt Center in Nampa, on Thursday, September 29, 6 p.m. to honor ethical companies through the Better Business Bureau’s Integrity Counts honors program.

In its 15^th year, the annual event starts each spring with customers, vendors – and sometimes competitors – nominating businesses that operate with high levels of integrity.

Once nominated, the business creates a submission that details integrity in action, testimonials and examples of internal and external communication.

Judges review the submissions and choose one recipient for each of the four categories: small, medium and large companies and non-profit organizations.

“Integrity Counts! is an opportunity for people to gather and celebrate what is right in the business world,” said Robb Hicken, BBB’s chief storyteller. “We expect the Brandt Center to be at capacity as we continue this rich tradition of honoring businesses that set the bar for acting with ethics and integrity.”

A limited number of tickets remain. The cost is $60 and includes a networking social hour and dinner along with a keynote address by Melaleuca owner and CEO Frank VanderSloot. The RSVP deadline is 5 p.m., Friday, September 23, 2011.

Contact Beve Bryant at 208.947.2107; bbryant@boise.bbb.org or register online at: http://bit.ly/qQEe3k

Timeshare Owners: Beware of “City Resorts”

9/14/2011

Posted on 9/14/2011 by

The Better Business Bureau is warning timeshare owners who are trying to sell or rent their timeshares to beware of Las Vegas based company, City Resorts.

City Resorts has been the subject of 23 complaints from around the country since March 2011 and holds an F rating with the BBB for failing to respond to complaints.

Complainants allege that City Resorts contacts consumers stating the’ve found a buyer for their timeshare. Complainants are then told to send a cashier’s check between $2,000-$6,000 for closing costs or processingfees. Complainants report that no buyers or renters emerged, and customers were unable to get responses to calls or their money back.

“After City Resorts got my money, I never heard from them again,” bemoaned a consumer from Massachusetts who lost $2,000. “They completely fooled me into believing I had a buyer for my timeshare.”

BBB representatives confirm that the phone number,website, and email have been disconnected and the current address is amail-drop. Nationwide, BBBs processed 2,804 complaints on timeshare resale services in 2010.

“Timeshareowners who want to sell or rent their timeshare should be wary of timeshare resale services that pressure customers to pay thousands of dollars up front,claiming that buyers are at hand,” said Katie Robison, spokeswoman for the BBB serving southern Nevada. “Too often, the services don’t deliver andcustomers can’t get refunds.”

BBB offers thefollowing advice to timeshare owners who are looking for help in selling their timeshare:

· Check out the business – You can check out a business at www.bbb.org. BBB Business Reviews include basic information, complaint overview, and BBB ratings from A+ to F, along with the reasons forthe rating.

· Confirm location and licensing –Confirm where the company is located and in what states it does business. Ask if the company's salespeople are licensed to sell real estate where your timeshare is located and verify this with the state licensing board.

· Get the facts on the figures – Find out if the business charges a commission. Do they handle the entire closing and provide escrow services? Do they charge an up-front listing or advertising fee? What does it cover and is it refundable?

· Be wary of upfront fees –Consider opting for a company that offers to sell for a fee only after the timeshare is sold.

· Don’t fall for the hard sell or an offer that sounds too good to be true – Don’t agree to anything over the phone but instead ask the salesperson to send you written materials; take the time to think it over and don’t be pressured.

For more consumer tips or to check out a business or filea complaint with BBB, start at www.bbb.org.

Latest Secret Shopper Scam Affects Good Names of the Downtown Hilton and National Tube Form of Fort Wayne, IN

9/14/2011

Posted on 9/14/2011 by

BBB Serving Northern Indiana has been made aware of a scam that is directly affecting two local companies: The Hilton Downtown and National Tube Form located on Engle Road in Fort Wayne, IN. The scam is generating calls and concerns from various parts of the U.S.

Consumers across the country are receiving a letter congratulating them for having been chosen to do a survey as a Secret Shopper. A check in various amounts ranging from $1,900 to $7,000 is enclosed from National Tube Form, located in Fort Wayne, asking the receiver to keep part of the money, spend some money "secret shopping" at JC Penney and other stores, and then to send $1,500 or more of that check back to the perpetrator of this scam through Western Union. Hilton Downtown's address is being used as a return address. So far, Hilton has received 50 of these letters returned to them. National Tube is rejecting all of these checks as fraudulent.

"The severity of this scam is far-reaching," said Michael Coil, President/CEO of BBB of Northern Indiana. "Your BBB will be proactive in sending an alert to BBB offices across the country and in Canada so this can, hopefully, be averted immediately."

BBB and FTC ADVICE

The BBB in partnership with the FTC, offer these tips on mystery shopping offers:

http://www.bbb.org/us/article/ftc--the-secrets-of-mystery-shopping-revealed-4870

Free Gas! Who wouldn’t want it?

9/13/2011

Posted on 9/13/2011 by

Residents in Idaho are being told great news from Florida-based Central Rewards promising a $200 voucher for gasoline that can be used at “neighborhood gas stations like Mobil, Shell and Exxon!”

Notification about the reward comes on a four-by-five inch postcard and gives the recipient a toll free number to call for complete details.

“This is just another ploy to obtain credit card information from unsuspecting individuals,” BBB spokesman Robb Hicken says. “Forget about the Internet or the telephone, these individuals have stepped back to a traditional marketing tactic.”

If a recipient does make a call to the toll free number, it gets tricky.

After seeing a spike in inquiries about the company, the Better Business Bureau contacted the company. The investigator was told this reward will be sent after an unspecified one-time processing fee. Later, she was told the reward was being offered only to the first 25 callers, and then it would be null.

According to BBB complaints, fees varied from $1 to $5, and some recipients reported that after giving their credit card information, additional charges on their account appeared for unauthorized products or services.

“This is a tactic used to play off the hard times people are in right now,” Hicken says. “High gasoline prices and unemployment pull at the emotions of those contacted. But, it’s best to remember, if it sounds too good to be true, it probably is.”

Several complaints received by BBB allege recipients waiting on hold were told it was a major phone or insurance company, after which a representative offers a $500 gas card for a $2.95 handling fee. The reward is in recognition of the recipient’s loyalty to the company. When companies referred to by the service are contacted, they deny knowledge of the reward program.

Complaints filed about the company are handled with an explanation of its agreement, and a reference to the verification recording of the consumer. In some cases, the consumer is issued a refund.

During the past 12 months, the BBB has processed more than 212 complaints against Central Rewards, and it currently has an F rating with BBB.

Your BBB Warns Consumers to Avoid Clicking on Bogus FTC Link

9/2/2011

Posted on 9/2/2011 by
The Federal Trade Commission issued the alert below on September 1, 2011 warning consumers about a bogus email being falsely sent using their name and leading recipients to believe it is it is from them. In fact, it is not. Below is the legitimate email from the FTC.

FTC Warns Small Businesses: Don’t Open Email Falsely Claiming to be From FTC

The FTC is warning small businesses that an email with a subject line “URGENT: Pending Consumer Complaint” is not from the FTC. The email says that a complaint has been filed with the agency against their company. The FTC advises not to click on any of the links or attachments with the email. Clicking on the links may install a virus on the computer.

The FTC’s advice: Delete the email. For more information on malware, visit www.OnGuardOnline.gov/malware.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics. Like the FTC on Facebook and follow us on Twitter.

MEDIA CONTACT:
Office of Public Affairs
202-326-2180

Below is the fake email. As you can see it looks legitimate. Do not click the link!

From: Federal Trade Commission [mailto:complaints@ftc.gov]
Sent: Thursday, September 01, 2011 11:28 AM
Subject: URGENT : Pending consumer complaint!

Dear business owner,

A consumer complaint has been filled against your company.

Your company is being accused of trying to commit fraud against the complaint's filling party. The full text of the complaint file can be viewed on the FTC website, in PDF format, by visiting the following link :
http://www.ftc.gov/complaint/view_complaint.aspx?complaint_id=9302&hash=7634902846982132319

An official response from your part is required, in order to take further action. Please review the charges brought forward in the complaint file, and contact us as soon as possible by :

Phone: Call our toll-free helpline: 1-877-FTC-HELP (1-877-382-4357);
TTY: 1-866-653-4261
Online: Use our secure complaint form (https://www.ftccomplaintassistant.gov)
Email: complaints@ftc.gov

Thank you,
Federal Trade Commission
Consumer Protection Department

It is not uncommon for scammers to use the name of legitimate organizations, as well as use scare tactics such as those in the phony email above, to scare potential victims and illicit a response.

As always, your BBB urges consumers to use extreme caution when opening any email. It’s especially important not to click on links unless you are positive who sent the email.

How to Manage Your Business’ Credit Wisely

9/2/2011

Posted on 9/2/2011 by

BBB recommends following these simple steps to manage your business’ credit:

Establish a consistent identity. Always use the same business name, address and phone number from the beginning, so it will be easy for the credit reporting agencies to keep your records in one file. Consider incorporating to legally establish a business identity that is separate from your personal identity.

Open your first accounts. Get a separate checking account for your business. Also open an account with an office supply firm or other supplier that reports the transactions to business credit reporting agencies. Make small charges and pay them immediately — before the invoice even arrives (unlike personal credit scores, you’ll get extra credit for paying before the due date).

Provide key documentation. Lenders will generally ask for your business’ tax records and earnings statements for the past few years so they can see how much you have earned in the past. And they may also ask for a business plan so they can assess your potential for future earnings. They are often interested in looking at your cash flow in relation to expenses and your total debt in relation to your earnings. Provide all of this documentation along with explanations to present the strongest case, especially if you have irregular earnings throughout the year, to prove to lenders that you expect to earn enough money to pay your bills in the future.

Apply for a DUNS number from Dun & Bradstreet, one of the major business credit reporting agencies (go to www.dnb.com). It usually takes 30 days to establish a DUNS number, or you can pay extra for an expedited account. Then make sure that the businesses where you have trade accounts are reporting the information about your on-time payments to Dun & Bradstreet. It’s also a good idea to provide extra information about your business for your credit file. This is where potential lenders and others will find out about your business and the likelihood that you’ll make on-time payments for your loans, equipment leases and office leases, which will affect the terms and rates. After you have a DUNS number, open a few more trade accounts with other businesses that send information to the credit-reporting agencies, make small charges, and pay those bills early, too. Check your account for errors and to make sure you’re getting credit for your early payments.

Check your business’ credit score. Similar to a credit score for individuals, a PAYDEX score distills the information in your Dun & Bradstreet credit report into one number, which shows potential lenders the likelihood that you’ll make your payments on time. These scores range from a low of 0 to a high of 100. A score of 80 to 100 generally means that you pay your bills before the due date; 50 to 79 means a medium risk of late payment (averages 30 days or less beyond the loan’s terms); and a score of 0 to 49 means a high risk of late payment

For more business tips you can trust, visit www.bbb.org/credit-management/small-business-credit/.

BBB Advice on Student Security – What Every College Student Should Know

9/1/2011

Posted on 9/1/2011 by

As college students get settled on campus, fighting fraud may not be at the top of their list of priorities. College students are susceptible to identity theft, however, and Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by BBB. The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

“Friendly fraud” accounts for 14 percent of all ID theft crimes. This means that new roommates and friends have just as much potential of being as dastardly as a foreign-based scam artist phishing on the Internet. And identity thieves – friend or foe – think nothing of dumpster diving (or rifling through unattended trash cans) for unshredded paperwork or even taking mail from unlocked mailboxes (or off a desk). They can even cruise social networking sites looking for some personal tidbit that can unlock a wealth of information elsewhere.

“In this day and age, you can’t always trust your peers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “It’s extremely important for students to be vigilant in monitoring bank and credit card statements to spot unauthorized activity. Sign up for security alerts on your accounts and have them sent to your mobile phone so you’ll know if any changes have been made to your account.”

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

Send sensitive mail to your parents’ home or a post office box. School mailboxes are not always secure and often can be accessed easily in a dorm or apartment.

Important documents should be stored under lock and key. This includes your Social Security card, passport and bank and credit card statements. Shred credit card offers and any paper documents that have sensitive financial information rather than just tossing them out.

Never lend your credit or debit card to anyone. Just say no if your friend wants to borrow your card or asks you to co-sign for a loan or financing for items like a TV.

Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software, which help keep your computer safe from any new advances by identity thieves online.

Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.

Check out unfamiliar websites with the BBB. Look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year. You are entitled to one free report a year from each of the three reporting bureaus: TransUnion, Experian and Equifax. Look for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

For more information on securing your identity, visit www.bbb.org/us/bbb-news.

BBB AUTO LINE Turns 30

9/1/2011

Posted on 9/1/2011 by

BBB AUTO LINE, a national program which resolves auto warranty and lemon law disputes, marks its 30th year of service to consumers and the automotive industry. This innovative program has helped nearly 2 million consumers find solutions to their automotive problems.

“BBB is committed to improving marketplace trust and the BBB AUTO LINE program is an example of BBB in action,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Through BBB AUTO LINE we found an industry interested in working more closely with its customers to resolve complaints rapidly and fairly.”

When BBB AUTO LINE began in 1981, consumers were frequently returning for repairs, creating frustration and quality concerns. Adding to the problem was a lack of easy access to trained and effective customer service representatives. “During the early years, BBB AUTO LINE received more than 240,000 complaints a year. In 2010, fewer than 18,000 consumers filed complaints with BBB AUTO LINE,” said Rod Davis, Senior Vice President at the Council of Better Business Bureaus. “This is a testament to the fact that manufacturers have improved both the quality of their products and their customer service operations due to programs like BBB AUTO LINE. Fewer complaints is a positive thing.”

One constant for BBB AUTO LINE is that satisfied users of the program recommend the process to family and friends more than 80% of the time; this according to an independent evaluation of the program required by and provided to the Federal Trade Commission (FTC) each year. Mr. Davis credits the FTC’s framework for warranty dispute resolution programs for setting the right balance between consumers’ rights and the opportunity for businesses to resolve concerns before entering into a costly legal proceeding. Under the FTC’s guidelines, dispute resolution programs that meet standards to ensure fairness, speed and ready access, are a first step in the legal process. However, should the consumer not be satisfied by the results, he or she has the right to take their complaint to court.

By participating in BBB AUTO LINE businesses commit to resolving warranty concerns raised by their customers. Auto manufacturers and importers providing this service nationally through the BBB include Acura, AM General, Audi, Bentley, Buick, Cadillac, Chevrolet, Ford, GMC Truck, Honda, Hyundai, Indian Motorcycle, Infiniti, Isuzu, Kia, Lamborghini, Lincoln, Land Rover, Lotus, Mazda, Mercury, Nissan, Saab, Saturn and Volkswagen. Many others participate on a state-by-state basis. A detailed listing of all participants, customer service numbers for the businesses and more information about BBB AUTO LINE may be found on the BBB website at: http://www.lemonlaw.bbb.org/.

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About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

What You Should Know Before Downloading a Mobile App

9/1/2011

Posted on 9/1/2011 by

What you should know before downloading a mobile app

BBB cautions consumers to research apps before downloading

Those who have a tablet, smart phone or mobile device have probably used an app at least once or twice. Businesses and individuals have developed apps to play games, get directions and access news, weather and other information. In 2010, consumers downloaded approximately 11 billion apps.

While apps are a great way to enjoy a mobile device or tablet, consumers should understand that not all apps are created equal and costs aren’t always apparent.

Mobile apps give consumers the ability to do almost anything on their smart phones. However, some consumers download apps without realizing the cost associated with the app, what information can be accessed by the app or who could be accessing their information because of the app.

BBB offers the following questions and answers to help consumers understand apps:

· How do I pay for an app? It depends on where and how you download the app. Phone plans may contain monthly data charges or you may pay per download. Also, app stores often require credit card information to create an account for purchases.

· Why are some apps free? While you may pay for some apps, others are offered free and make money in different ways.

- Companies may sell advertising space in the app to other businesses.
- Companies may offer a basic version of the app for free, but require you to pay for the full version.
- Some apps allow users to buy more features within the app. Usually, you are billed for these purchases through the app store account.
- Some free apps are designed to build interest in the company’s other products.

· What types of information can apps access? It depends on the app itself. Some apps can access phone and email contacts, call logs and device location. Some access only the information they require to function, while others access data unrelated to their purpose.

· Why do some apps ask for location? Apps use specific location data for maps, nearby coupons and information on who you might know nearby. Other apps provide this information to ad networks that build a profile and target marketing toward your specific interests.

· Should I update my apps? It is a good idea to update your apps. Updates may have security upgrades that protect your information from the latest hacks.

· Could an app infect my phone? While most apps are pre-approved before being added to an app store, hackers have created apps that can infect smartphones and tablets. Be cautious when downloading apps and be sure to use a reputable app store or website to download from. If your phone begins performing functions on its own, that may be a sign of malware.

Do Your Research before Driving into an Auto Repair Scam

9/1/2011

Posted on 9/1/2011 by

What do you do when your windshield wipers stop working, your left taillight burns out, and your brakes give out? Some may opt to fix the problem themselves, but many turn to the services and handiwork of auto repairmen. While most auto repairmen are honest and forthcoming, consumers need to be on the lookout for those that are trying to make a quick buck. Better Business Bureau is advising consumers to do their research before turning their car over to an auto repair service.

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. It’s important for consumers to be on the lookout for scams like overcharging on repairs, charging for labor that was never performed, and performing shoddy work. In 2010, BBB received a whopping 12,682 complaints against auto repair mechanics. In this year alone, BBB has already received nearly 11,000 complaints.

“Many times consumers realize that they have been scammed, but they don’t have any way of proving it,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “It’s extremely important to get all estimates for parts and labor in writing first before authorizing anything.”

BBB recommends the following tips to consider before turning over your car to an auto repair service:

Get a least three referrals. If you are looking for a qualified mechanic, ask friends, family and co-workers for recommendations. Be sure to check the business with www.bbb.org to see if there have been any complaints filed against the business. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you need to find a shop employing a specialist.

Ask as many questions as you need. Don't be embarrassed to request technical definitions. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and apprised of the problem, course of action, and cost of work before any work begins.

Get everything in writing. Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and before you leave, be sure to understand all shop policies regarding labor rates, guarantees, and acceptable methods of payment.

Do a walk through with your mechanic. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news

BBB Advice for Making “Golden” Gold Transactions

9/1/2011

Posted on 9/1/2011 by

Arlington, VA – As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Many are looking to new investment plans to help their money grow. With the price of gold at an all time high of more than $1,700 per ounce, Better Business Bureau is advising consumers to do their homework before making tempting gold transactions.

Whether through an online venue, an at home “gold party,” or your local jeweler, many consumers are looking to sell their gold jewelry for some quick cash. However, not just any dealer can be trusted. In just this year alone, BBB has already received more than 500 complaints against gold, silver and platinum dealers, a number that is well on its way to reaching 2010’s 581 total complaints.

“Consumers need to be on the lookout for not so reputable sellers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Many of the complaints we receive stem from false advertising and delivery issues where the consumer ends up being appraised far less than what they thought their gold was worth.”

BBB recommends following these tips to ensure a “golden” gold transaction:

Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Always check with BBB first at www.bbb.org. BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

The true price of gold may not be what you receive. If gold is worth $1,700 per ounce, you aren’t going to be paid $1,700 for every ounce of gold you have. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending). Understand that the ounce quote is for pure gold only. For instance, 14-karat gold is composed of just 58.5 per cent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending. The lower the karat, the less the gold content.

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.
Don’t let anyone steal your diamonds from gold pieces. Single gold stud earrings might be worth $5 or $10, yet diamonds in the earrings can be saved. Some are too small, and the labor to remove them might exceed their value, but engagement ring diamonds, for example, should be given a value separate from the gold.

Know the terms and conditions when sending items by post. Make sure your items are insured when being shipped, so if they are lost you can recover the value. Obtain appraisals prior to mailing items, so if they are lost you have proof of their value. Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability. Make a list of the items included in the package, keep a copy for yourself, and put a copy in the envelope. Take a picture of the items you are sending, including any identifying marks.

Ask about the company’s guarantee if you are not satisfied with the price offered. Can you get your product back, if you return the check? Many companies melt down the items in 10–14 days. If you send the check back, send it “return receipt requested,” so you have proof when it arrived at the company.

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Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Consumer Alert: Global Subscription Services Making Unauthorized Debits from Consumers’ Bank Accounts

8/31/2011

Posted on 8/31/2011 by

BBB Consumer Alert: Global Subscription Services Making Unauthorized Debits from Consumers’ Bank Accounts

Fast Facts:

Global Subscription Services has automatically renewed consumers’ magazine subscriptions without permission and made unauthorized debits from consumers’ bank accounts
BBB has received 28 complaints in four months from consumers all over the country
Consumers report that they did not give their banking information to the company and don’t know how they obtained that information

August 31, 2011, Memphis, TN – The BBB of the Mid-South is warning consumers about a magazine subscription company operating with a Memphis address. Consumers have reported that Global Subscription Services mailed them notices stating that the company is automatically renewing their magazine subscriptions and debiting their bank accounts. Global Subscription Services has an F rating with the BBB.

Global Subscription Services lists its business address as 111 S Highland Street, #102, Memphis TN. However, the BBB has confirmed that address to be a rented mailbox at a UPS Store.

BBB complaints have been filed against Global Subscription Services by consumers from all over the country – from New York to California to Alaska. The BBB has received 28 complaints on the company since April. According to complainants, the renewal notice contains bank account information that the consumers say they didn’t provide. Some complaints allege that funds have already been debited from their accounts without their permission.

An Arlington TN man reported that Global Subscription Services processed an automated debit from his bank account without his permission. “I have never done business with this company, nor have I ever authorized or given them my banking information,” he told the BBB. “They stated that they processed an automated renewal on a magazine that I have not subscribed to in over 4 years.” When he contacted the magazine publisher directly he was told that they do not have a contract with Global Subscription Services and would not accept renewal requests from them.

A couple from Somerville TN also had unauthorized funds drafted from their bank account. “They illegally debited our bank account with $49.00 on 6/21/11 without any authorization from us to do so,” they told the BBB. “We had already mailed our check directly to the magazine for renewal.” They also contacted the magazine publisher directly and were advised that Global Subscription Services is not authorized to sell subscriptions for them.

According to a man from Olathe, KS, the company debited his account for $14.95 without his permission. He told the BBB, “The company alleges my personal authorization is on file. I have not granted them authorization. I have not lived at the address they show on the banking record for 5 years.”

And a Greenville SC woman asked, “I am also very curious how this company obtained my bank account information without my having given it to them.”

The Better Business Bureau contacted the company to find out how consumers were put into the automatic renewal program and how the company obtained banking information that consumers did not provide. In a response to the BBB, Global Subscription Services stated that some consumers were “inadvertently” enrolled in their automatic renewal program, but didn’t say how or why. They also did not address the question about how they obtained the banking information.

“This is a good example of why consumers need to scrutinize bills and account statements,” said Randy Hutchinson, BBB President. “Someone who isn’t paying close attention might think the statement is legitimate and pay it without question.”

The BBB of the Mid-South reminds consumers to be vigilant when paying bills and invoices.

Check your bank and credit card statements. Make sure all the charges and drafts were authorized by you.
Don’t wait for your bank or credit card statement to come in the mail. If you have electronic access, check them more frequently.
Don’t automatically pay bills and invoices that arrive in your mailbox. Verify their legitimacy first.

For more information or to schedule an interview with a BBB spokesperson, contact Nancy Crawford at 901.757.8627 or 901.213.7809.

Department of Finance Warns of Mortgage Modification Scam Targeting Spanish Speaking Idahoans

8/30/2011

Posted on 8/30/2011 by

Gavin Gee, director of the Idaho Department of Finance, today warned that a company calling itself Freedom Companies Marketing, Inc., Freedom Companies, Inc., Freedom Companies Lending, and Freedom Financial Mortgage (Freedom) has been targeting Spanish speaking Idaho homeowners with false promises of a government-guaranteed mortgage loan modification for a large upfront fee.

The company promises homeowners lower monthly mortgage payments, but Gee says Idaho homeowners who succumbed to the up-front payment scam received nothing but empty promises for an unlawful upfront fee of $1,995.

“This company, using the term ‘Freedom’ in its name, asks homeowners for private financial information, charges an unlawful upfront fee, and then leaves already distressed homeowners worse off than they were before. That’s not ‘Freedom;’ that’s a scam,” Gee warned.

He said homeowners trying to avoid foreclosure continue to fall prey to upfront-fee loan modification scams. “Some of the offending companies purport to be law firms or imply representation by attorneys to lower mortgage payments. These offers can be tempting to distressed homeowners seeking relief, but all too often they end up being nothing more than empty promises.”

“Mortgage modification companies, including short-sale negotiation service providers who don’t have an Idaho real estate license, are required to be licensed with the department before offering their services in Idaho,” Gee said. Other than third-party charges or charges approved by the department, Idaho law prohibits the charging of upfront fees prior to completion of a mortgage modification.

Gee advised Idaho homeowners considering doing business with a mortgage modification company to make certain the loan modification company is licensed with the Department of Finance. Licensed companies are listed on the department’s website at http://finance.idaho.gov.

Homeowners who feel they may be the target or victim of mortgage loan modification fraud are encouraged to contact the department at (208) 332-8002 or Idaho toll-free at 1-888-346-3378.

Eastern Idaho Computer Businesses Targeted by Scam Artists

8/26/2011

Posted on 8/26/2011 by

Eastern Idaho companies selling computer and networking equipment are receiving orders for large quantities of merchandise from unknown customers using stolen credit card numbers. The buyer typically wants the merchandise shipped to an out-of-state or out-of-country address by the fastest possible method. The merchandise is shipped to the address provided and the business finds out later that the credit card number provided by the buyer is either fraudulent or stolen.

In the end, the business loses both the money and the merchandise

This was the case of an Idaho Falls business. Computer Guy of Idaho received several calls from a potential customer wanting to purchase $17,000 in laptop computers. The customer requested that the computers be shipped to an address in Denver and provided the business with prepaid shipping fees. The company sent five of the high-end laptops to the address provided and found out later the credit card used for the purchase was stolen. The company is now out the money for the cost of the product.

“If you get an unusually large order for products, or from someone out-of-state that you don’t normally do business with, take the time to check it out first," Dale Dixon, CEO of the BBB serving the Snake River Region advised. "If it’s legitimate, the caller won’t mind. If not, you won’t get caught in a scam. If something doesn’t feel quite right, listen to that feeling. Call the BBB.”

The BBB also suggests that businesses take the following steps to protect against this type of fraud:

Ask the customer for his/her full name, address and telephone number.

Ask the customer to provide the name of the issuing bank and its toll-free customer service number as printed on the back of all credit cards.

Ask the customer for the three or four digit Card Verification Code that is found on the back of the credit card.

Tell the buyer that you will check with the bank and call them back. When you do that, keep good notes. Verify all information the buyer gives. If a buyer objects, explain that these procedures are for his/her protection as well.

If the caller still objects to providing any of the above information, abandon the conversation and advise that you are not prepared to do business this way.

If the buyer insists on paying with a certified check, wait until the funds are in your bank account before shipping the merchandise.

Idaho Attorney General Warns About Mortgage Lawsuit Scam

8/24/2011

Posted on 8/24/2011 by

A company called Corvus Law Group is mailing ads to Idaho homeowners inviting them to join scam lawsuits against their mortgage lenders, Attorney General Lawrence Wasden warned today. The ads look like government forms and claim homeowners can get large principal reductions or other monetary relief if they join the lawsuit.

“The scam is a pretext to collect an unlawful $5,000 upfront fee from homeowners,” Attorney General Wasden said. “The representations in the solicitations are false and are designed to prey on vulnerable homeowners. My office is currently investigating this company.”

The ads, which appear to be “notices,” may be mailed to homeowners or posted on their doors. Typically, the business asks for a “retainer fee” and may ask homeowners for their credit card numbers or offer to set up a weekly payment plan.

State and federal laws prohibit companies from charging upfront fees for foreclosure rescue or mortgage modification services. Beginning September 1, it is unlawful for a person to charge a fee, upfront or otherwise, for these services, unless the person offering the service is licensed with the Idaho Department of Finance or exempt from its licensing requirement.

“I encourage homeowners who have lost money to this business or other mortgage rescue companies to file complaints with my Consumer Protection Division,” Wasden said. Complaint forms are available at www.ag.idaho.gov or by calling (208) 334-2424.

The Attorney General’s Office recently updated its consumer education manuals regarding home buying and foreclosure prevention. The manuals are available at www.ag.idaho.gov.

Homeowners who are having difficulties paying their mortgage loans may qualify for a mortgage modification and can visit the federal government’s website at www.makinghomeaffordable.gov for an application packet.

Homeowners who are having difficulties communicating with their mortgage loan servicers about their loans can call the Attorney General’s housing specialist at (208) 334-4536 for assistance.

Twitter Begins to Turn on HTTPS by Default but Are You Secure Now?

8/24/2011

Posted on 8/24/2011 by
Good news for all security-conscious social media users: Twitter has announced that it is beginning to turn on HTTPS by default. This improves the security of your account and better protects you from eavesdropping if you’re using Twitter over an unsecured Internet connection, such as a public WiFi network.

They are currently experimenting with turning HTTPS on for a small percentage of users. If you are not using HTTPS and would like to, follow these instructions:

>> How to Set up HTTPS Encryption

Your Credit Card is Denied, Act Now! Phishing Scam Floods Local Residents

8/22/2011

Posted on 8/22/2011 by

Janet Mabbutt’s phone rang at 9:50 a.m., this past Sunday. The number on the caller ID was familiar because the same number had appeared on her husband’s cell phone an hour earlier.

Janet answered the call. The recorded voice claimed to be from Wells Fargo bank. The message let her know that there had been an “activity breach,” and her card had been frozen. She was asked to press ‘one.’ It was the same message her husband had heard and her response mirrored her husband’s response. She hung up the phone.

Janet and her husband live in Meridian. Neither have an account with Wells Fargo. Based on the volume of phone calls to the Better Business Bureau on Monday morning, they were not alone in receiving the message. The BBB answered a number of calls from people concerned about a weekend message from Wells Fargo or U.S. Bank.

The call is a scam artist favorite because it often yields dependable results. Here’s the thought process of the con-man: Randomly choose the name of a well-known bank. Use technology to clone a phone number and put the computers to work randomly dialing numbers in a certain area-code with a message that the bank’s security system is compromised. The computer is set up for call recipients to key in a credit card number to re-activate the card.

The scam artist chooses a weekend to carry out the crime because it’s prime shopping time and banks are closed. People are more apt to fall for the scheme because they can’t reach their bank and they don’t want to risk being stuck with out the ability to buy – especially if they’re traveling.

Yes, there’s a good chance Janet and her husband were one of a million (maybe more, maybe less) throughout the U.S., who received such a call. We know, based on the number of calls to the BBB, that the scam artists focused considerable attention on southwest Idaho.

Janet did some sleuthing before calling the BBB. She ran an internet search on the phone number that showed up on her caller ID. It linked to a pediatric physician group in New Jersey. I dialed it several times Monday, only to get a rapid busy signal. My best guess is that the scam artists randomly chose the phone number that would appear in the caller ID through a technology called caller ID spoofing. The real doctor’s office was probably overwhelmed with calls from people wanting to know why someone from the office called over the weekend claiming to be with Wells Fargo or U.S. Bank. Imagine repeating thousands of times: “It wasn’t us! Our phone number was hijacked by a scam artist.”

What should you do if you receive such a call or text message? Do as Janet did. Hang up the phone. Don’t press one. Don’t key in your credit card number. Know that your bank will never call or text you, asking you to confirm your card number.

Watch Out for False Emails Requesting a BBB Rating Verification

8/18/2011

Posted on 8/18/2011 by
BBB is cautioning businesses and consumers about an email that is purporting to come from BBB. The email appears to come from a fake BBB address (BBBupdate@post.com) in the Atlanta, Georgia metro area and falsely requests verification and validation of BBB Ratings.

The email message reads, “Our data shows a pending rating or review about you or your business. Derogatory/Negative reviews or ratings can impact you business profile and become permanently visible to customers, clients, vendors, and agencies. CONTACT OUR NOTIFICATION DEPARTMENT IMMEDIATELY FOR VERIFICATION AND VALIDATION OF THIS ALERT.”

BBB wishes to remind all businesses and consumers that we are not conducting a verification request nor are we issuing emails in response to a pending rating or review about you or your business. Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal. CBBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

Hijackers Use False Protection Claims to Lure Online Shoppers

8/15/2011

Posted on 8/15/2011 by
prepared by the Federal Bureau of Investigation (FBI)

Washinton, DC - The FBI has issued a national press release warning online vehicle shoppers about certain fraudulent vehicle sales and false claims of vehicle protection programs (VPP).

In fraudulent vehicle sales, criminals attempt to sell vehicles they do not own. They create an attractive deal by advertising vehicles for sale at prices below book value. Often the sellers purport they need to sell the vehicle because they are moving for work, to include military deployments.

Because of the alleged pending move, criminals refuse to meet the victim in person or allow a vehicle inspection, and they often attempt to rush the sale. To make the deal appear legitimate, the criminal instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax the payment receipt to the seller as proof of payment.

The criminal pockets the payment but does not deliver the vehicle. Criminals also attempt to make their scams appear valid by misusing the names of reputable companies and programs. These criminals have no association with these companies, and their schemes give buyers instructions that do not adhere to the rules and restrictions of any legitimate program. For example, eBay Motors’ VPP is a legitimate program whose name is commonly misused by these criminals.

The VPP is not applicable to transactions that originate outside of eBay Motors, and it prohibits wire-transfer payments. Nevertheless, criminals often promise eBay Motors VPP coverage for non-eBay Motors purchases and instruct victims to pay via Western Union or MoneyGram.

In a new twist, criminals use a live-chat feature in e-mail correspondence and electronic invoices. As live-chat assistants, the criminals answer victims’ questions and assure them the deals are safe, claiming that safeguards are in place to reimburse buyers for any loss. The criminals falsely assert that their sales are protected by liability insurance coverage up to $50,000.

Automotive shoppers should exercise due diligence before engaging in transactions to purchase vehicles advertised online. In particular, shoppers should be cautious of the following situations:

Sellers who want to move the transaction from one platform to another (for example, from Craigslist to eBay Motors).
Sellers who claim that a buyer protection program offered by a major Internet company covers an auto transaction conducted outside that company’s site.
Sellers who push for speedy completion of the transaction and request payments via quick wire transfer payment systems.
Sellers who refuse to meet in person, or refuse to allow the buyer to physically inspect the vehicle before the purchase.
Transactions in which the seller and vehicle are in different locations. Criminals often claim to have been transferred for work reasons, deployed by the military, or moved because of a family circumstance, and could not take the vehicle with them.
Vehicles advertised at well below their market value. Remember, if it looks too good to be true, it probably is.

If you have witnessed this behavior or fallen victim to this type of scam, please file a complaint with the FBI’s Internet Crime Complaint Center, www.ic3.gov.

Mystery Shopping Scam Costs Woman $1000

8/10/2011

Posted on 8/10/2011 by

Mystery Shopping Scam Costs Woman $1000

August 10, 2011 – Who wouldn't want to get paid to go shopping or have a nice meal at a restaurant? You’ve seen the ads for "mystery shoppers" and "secret shoppers" that promise easy money, free meals and merchandise. One woman has learned the hard way that some offers that sound too good to be true often are just that.

This woman was looking for mystery shopping opportunities online. It sounded like something she would enjoy – getting paid to shop and dine out and evaluate the service you received. So when she got a letter in the mail from EGroup Surveys in Pleasanton, CA, she thought she had found the perfect opportunity.

The letter said that she was being offered “an opportunity to participate in a survey by being a service evaluator.” In short, she would get paid to dine and shop. Along with the letter was a check for $1,300. The instructions in the letter told her to call to validate the funds before depositing them in her bank account.

“The letter said I could mystery shop whenever I wanted, anywhere I wanted and anytime I wanted,” she told the BBB.

She called as instructed and asked if the offer and check were legitimate. “Absolutely!” was the answer she got. She was told to cash the check, send a money order to an individual in Canada, and evaluate the transfer service personnel. She bought the money order and sent $1,000. And then the bank told her the check was fake.

She called the company again and was told that the bank was wrong. They also told her that she would be receiving a UPS package with her evaluation forms and a check for her next shopping assignment. That package never arrived.

“It all sounded very professional and well planned out. But now the bank is closing my account and I’m out $1,000,” she said.

Consumers need to realize that a legitimate company will never send you a cashier's check out of the blue or require you to send money to someone you have never met. The scam artists use realistic looking documents, the 'secret' nature of the job, and the ‘very limited time’ deadline to pressure consumers into cashing the check and wiring the money quickly before the bank or the consumer can determine it’s a fake. By then, it's too late.

In this case, the letter had a Canadian postmark and no return address – both red flags that this offer might not be on the up-and-up.

BBB Tips to Avoid Being the Victim of a Mystery Shopping Scam:

· Be wary of any mystery shopping offer that:

o Sends you a check and asks you to wire money back to the business or to an individual

o Is postmarked from any other country, especially from Canada

o Requires a fee

· Check with the BBB to see what the company’s rating is. Check by the name of the business, the phone number and the URLs. Search carefully! Many times a fraudulent company will change their name and website but will not change their phone number.

· Be cautious of opportunities that offer large sums of money for simple tasks like cashing a check or wiring money. A typical mystery shopping evaluation will earn about $10 to $20.

· Visit the Mystery Shopping Providers Association web sitefor a list of reputable mystery shopping companies and opportunities. Contact the companies directly, not the MSPA, for more information on how to become a shopper.

· Remember that if an offer sounds too good to be true, it probably is.

Consumers can check out any unsolicited offer with the BBB at www.bbb.org, 208-342-4649, or 1.800-218-1001
If you believe you have been the victim of a mystery shopping scam, you are advised to:

Contact your state’s Attorney General – in ID call 208-334-2424.
File a complaint with the Federal Trade Commission
File a complaint with the FBI
If your offer came in the mail, contact the US Postal Inspector
If you sent money to Canada, contact the Canadian Fraud Centre at 888-495-8501, 888-654-9426

Trip Traps at Sales Presentations

8/10/2011

Posted on 8/10/2011 by
The lure is simple: Sit through a sales presentation and get a "free" vacation, cruise or gift card. Better Business Bureau tells consumers to think twice before accepting an invitation.

BBB complaints reveal that consumers aren't always satisfied with the authenticity and usability of these incentives. Some complainants say giveaways are misrepresented during unwanted presentation solicitations. While other complainants allege issues redeeming travel vouchers due to restrictions, terms and conditions.

BBB serving Snake River Region offers the following a advice:

· Be cautious of free travel offers by phone or mail. There's usually a catch.

· Avoid misleading "free" offers. Read the fine print and be aware of asterisks.

· Don't go just for a freebie. Avoid attending presentations if there is no interest in the advertised product, service or membership.

· Look out for freewheelers. Is it a traveling seminar based out-of-state? Research businesses on the Internet, consider their complaint volume and see how they respond to complaints; visit bbb.org for free BBB Business Reviews.

· Don't waste free time. Some seminars are marketed to last a short period of time—an hour—but end up lasting two, three or four hours.

· Free yourself from the hard sell. Sales representatives may use aggressive or high-pressure tactics to convince consumers to buy products or services they don't need or want. If bullied, walk away.

· Make decisions on free will. If it's an enticing offer, take time to think it over. Any company that forces an immediate decision may not be worth doing business with. Review contracts and purchase agreements carefully.

· Freely report problems. Contact BBB or file complaints at bbb.org.

Grandparent Scam just got scarier

8/3/2011

Posted on 8/3/2011 by

The BBB is issuing a RED ALERT regarding a new twist on the Grandparent Scam that involves the caller already knowing detailed information regarding family members. In addition, the calls are not targeted strictly at seniors and the money requested is to be wired to Mexico.

The original scam generally worked like this--the grandparent receives a distressed phone call from who they believe is their grandchild. The supposed grandchild typically explains that they are travelling in Canada and have been arrested or involved in an auto accident and need the grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars.

The scammers’ basic tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks. For example, the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

In the updated scam, callers identify themselves by specific name as a particular family member. They say they are being held in jail in Mexico and they need bail money wired immediately. They lace their conversation with correct references by name to other family members, increasing their credibility. One caller even knew that the real person being impersonated had a twin who was born two minutes later.

Law enforcement officials contacted by the BBB are not certain how perpetrators are obtaining the inside knowledge or phone numbers for victims.

To protect themselves from this scam, and other scams that may use a distressed loved-one tactic, BBB is advising people to remain calm and confirm the status of the individual by calling them back directly or verifying the story with other family members before taking any further action. Developing a secret code that is known only within the family is also recommended.

The BBB also encourages people to limit the amount of personal information shared on social media sites and to only “friend” people they personally know themselves.

BBB Advises Homeowners on Mold Must-Knows

8/2/2011

Posted on 8/2/2011 by
Many homeowners are looking for remedies for dealing with the aftermath of the devastating floods that have hit so many homes around the country. While a little part of the water damage picture, mold can be an ever growing, pesky problem that, if not taken care of quickly, can last forever. Better Business Bureau, along with the Environmental Protection Agency (EPA) are advising homeowners to be proactive when it comes to dealing with mold and mildew.

When looking to eradicate mold, homeowners may choose to either tackle the problem on their own or consult the expertise of a contractor. Either way, BBB advises that, it’s important for homeowners to do their research. According to the EPA’s Mold Guide, the many types of mold may begin growing indoors when mold spores land on surfaces that are wet. Mold can grow on any kind of wood, paper, carpet, and food.

“In 2010, BBB received nearly 30,000 inquires on mold and mildew eradicators,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “As mold can ultimately destroy anything that it lands on, it’s important to act smart and fast.”

While homeowners should always avoid handling and touching mold without wearing proper gloves, there are also many other things to keep in mind. BBB and the EPA advise homeowners to consider the following:

Know your risks and side effects. There are many health risks associated with mold and mold growth. Many may experience an allergic reaction and other respiratory complaints when mold is present in the home.

Be proactive. The EPA attests that there is no practical way to eliminate all mold and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in your shower faucet or sink, repair it immediately to avoid the ideal habitat for mold. Clean and dry any wet or damp surfaces within 24-48 hours to prevent mold growth. Vent all bathrooms, kitchens and other moisture-generating sources to reduce indoor humidity and prevent mold growth.

Choose wisely when picking a contractor. Some mold eradicators can be imposters. It’s important to check a business’ BBB Business Review at www.bbb.org before selecting a contractor. Ask for referrals from friends and family members and check with at least three contractors before deciding on one. Make sure the contractor has experience cleaning up mold. Check references and ask the contractor to follow the recommendations in EPA’s Mold Remediation in Schools and Commercial Buildings, or other guidelines from professional or government organizations.

For more tips you can trust, visit www.bbb.org/us/bbb-news.

Business Blogging – Why Every Business Owner Should Do It

8/2/2011

Posted on 8/2/2011 by
Between Facebook posts and Twitter tweets, it seems like there are a thousand and one ways to communicate virtually these days. However, what many in the business world overlook is blogging. Better Business Bureau is recommending that business owners consider some simple blog implementation strategies to heighten their business’ visibility on the web.

A blog dedicated to the thoughts of a business’ president or CEO or a business’ mission can serve as a meaningful way to attract potential customers – and allow business owners to establish themselves as a thought leader in their respective market(s). Business blogs can be linked from the business’ website, Facebook page and Twitter account and are a great way of sharing the longer, more thought provoking messages.

According to a recent survey by HubSpot, 57% of companies using blogs reported that they acquired customers from leads generated directly from their blog. They go on to find that businesses are now in the minority if they do not blog. From 2009 to 2011 the percentage of businesses with a blog grew from 48% to 65%.

So what’s so great about a blog? “A blog gives a president or CEO the chance to communicate in more of a dialogue-like setting with their constituents,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Limited characters and space can confine a message in some settings. A blog allows for a full message to be shared and can even be catered towards targeted audiences.”

BBB recommends that business owners consider the following when implementing a blog for their business:

Heightened visibility is always a plus. When you blog, you get more eyes on your business and increase your search engine optimization (SEO).

Voicing your passion gets your customers noticing. Letting your customers see how and why your business came about and sharing what it is you love about doing what you do is a great way to make a connection with your audience. With (almost) no length limits, a blog is a great platform to share exactly what it is that makes your business different from the rest.

A blog can serve as a great networking tool. A blog is a great place to inspire your constituents and build a subscriber base. By giving your voice a platform and reaching out to other fellow business bloggers, you have the ability to establish a solid business-to-business network.

For more business advice you can trust, visit www.bbb.org/us/bbb-news.

Shield Yourself from a Cell Phone Radiation Scam

8/2/2011

Posted on 8/2/2011 by
Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many scammers are looking to promote “shields” that can protect from the cancer causing waves. Better Business Bureau (BBB), along with the Federal Trade Commission (FTC) are warning consumers to be on the lookout for these so-called “shields” and advising consumers to turn to free options when limiting exposure to cell phone electromagnetic emissions.

Like many other too good to be true products, there is no scientific proof that these shields are actually effective. While it is always good to protect yourself from potentially harmful emissions, there are other ways to do it besides investing in a shield for your cell phone. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

“Leave it to scammers to jump on the latest scientific frenzy,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “It’s important for consumers to do their research before investing in any too good to be true technology. More times than not, victims will end up with a faulty product that, in many cases, doesn’t actually do any good.”

BBB and the FTC advise consumers to consider these free options for limiting cell phone electromagnetic emissions:

Go hands free. When chatting on the phone for long periods of time consider using a hands-free device, like an earpiece, or using the speakerphone feature. For the short conversations, you may even want to consider just texting the message, which allows for a quick response and keeps the phone away from your head.

Wait for a good signal. When you have a weak signal, your phone works harder, emitting more radiation. Phones also give off more radiation when transmitting than when receiving, so tilt the phone away from your head when you’re talking, and bring it back to your ear when you’re listening.

Shop around. When looking for a new cell phone, consider investing in one that has a low specific absorption rate (SAR) before you buy. Measured in watts per kilogram of tissue, the SAR reveals how much radiation the body absorbs while using the mobile device. The FCC has record of this information for phones that were made in the last two years. You can find the FCC ID number on the inside of your cell phone’s case. Legally, in the US, a phone can’t emit more than 1.6 watts per kilogram.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news and for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

Score a Job – Not a Scam

8/2/2011

Posted on 8/2/2011 by
Looking for a job? You’re not alone. With unemployment at a soaring rate of 9.2%, according to the U.S. Bureau of Labor Statistics, many job hunters are turning to online job boards to post their resume and search for jobs. Better Business Bureau is warning job seekers to proceed with caution before sharing their personal qualifications and inquiring about jobs found online.

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. It’s becoming more and more common for scammers to lure in potential candidates with phrases like, “Get rich quick – without even leaving your home!” all in the hopes of getting their personal information. Craigslist, Monster.com, Careerbuilder.com and now even Facebook are all breeding grounds for scammers and the like.

“Job seekers need to be on the look out for potential scams. Before posting your resume to a career site or inquiring about a job, make sure you know with whom you are dealing,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Many job scammers are having candidates set up direct deposit accounts as part of the application process and making it seem as though it’s naturally part of the process to get an interview—when it’s absolutely not.”

BBB advises job hunters to be on the look out for these red flags when conducting their job search:

Employer emails are rife with grammatical and spelling errors. Most online fraud is perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Emails purporting to be from job posting websites claiming there’s a problem with a job hunter’s account. After creating a user account on sites like Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

An employer asks for extensive personal information such as social security or bank account numbers. Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork suspicions were raised – and rightly so. Regardless of the reason or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

An employer offers the opportunity to become rich without leaving home. While there are legitimate businesses that allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Most recently, the BBB of Metropolitan Dallas uncovered a scam where job hunters were told they had to pay $64.50 for a background check before they could be considered for a cleaning job. Predictably, after paying for the background check, the job seeker never heard from the company again.

The salary and benefits offered seem too-good-to-be-true. The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little experience in order to lure unsuspecting job hunters into their scam.

The job requires the employee to wire money through Western Union or MoneyGram. Many phony jobs require the prospective employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers.

# # #

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

About BBB

As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit BBB.org/us for more information.

How to Stretch Your Gas Dollars this Summer

8/2/2011

Posted on 8/2/2011 by
Gasoline prices have risen well above $4.00 a gallon in most every state across the country. The average U.S. family with two drivers is now paying nearly $1,000 more annually for gas than they were just two years ago according to a recent study by research gurus, Sperling's BestPlaces. Although there are practical steps you can take to increase gas mileage, Better Business Bureau warns consumers to be wary of gas-saving claims that empty your wallet, instead of saving you fuel.

Many websites make unbelievable claims for various after market automotive devices (fuel-line magnets, air bleed devices and retrofit gadgets) and oil and gasoline additives that supposedly increase gas mileage for automobiles. The Federal Trade Commission found many of these claims to be either false or overly exaggerated.

“Summer travelers should shop around. Nowadays, many smartphones have apps specifically for finding the cheapest gas prices in your area,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “You may even want to consider getting a credit card that gives you cash back bonuses on gas purchases.”

Before adding any fuel savings device to your vehicle, check with your mechanic. You may end up with a voided manufacturers warranty and serious engine problems by adding after market devices to your engine.

What you spend at the pump is influenced by how you drive and what type of gasoline you use to fill your tank. As we reach the peak of summer travel, here are some tips on what you can do to save fuel consumption:

Choose the right octane for your car. Check your owner’s manual to find out what octane your car requires. Keep in mind that the higher the octane, the higher the price.

Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car’s condition. Follow the recommended maintenance schedule in your owner’s manual; you will save fuel and your car will run better and last longer.

Don’t let your engine run at idle any longer than necessary. An engine actually warms up faster while driving. With most gasoline engines, it is more efficient to turn off the engine than to idle for any period longer than 30 seconds.

Drive more efficiently. Stay within the posted speed limits. The faster you drive the more fuel you use. Set your cruise control on highway trips. This can help maintain a constant speed and, in most cases, reduce your fuel consumption.

Keep your tires properly inflated and aligned. Automobile manufacturers must place a label in the car stating the correct tire pressure. If the label lists a psi (pounds per square inch) range, use the higher number to maximize your fuel efficiency.

Anticipate the driving condition. Driving smoothly and steadily makes the best use of your fuel. If you can, avoid sudden acceleration or braking.

Change your oil and replace air filters regularly. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. Your air filter keeps impurities in the air from damaging internal engine components.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

Watch Out for False Promises from OnlineBusinessScams.com

8/2/2011

Posted on 8/2/2011 by
BBB cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services. OnlineBusinessScams.com charges consumers an upfront fee of $1500 to $2000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to BBB.

OnlineBusinessScams.com told one consumer that in order to help him collect money owed from a business he needed to pay 30% of the amount owed. The site requested half of the 30% upfront, which he paid.

After receiving the fee, OnlineBusinessScams.com asked the consumer to provide the details of the dispute so the site could determine whether to handle the “case.” Afterwards, the consumer received an information packet that included an envelope addressed to BBB. OnlineBusinessScams.com told the consumer that they would recover his money within 90 days. It’s now been 90 days and the consumer tried to contact OnlineBusinessScams.com to no avail.

BBB wishes to remind all consumers that their services are free. Consumers never have to pay a third party in order to receive help from BBB. To file a complaint against a business, please fill out BBB’s online form or contact your local BBB.

Online Rental Scams Target Renters and Landlords

7/20/2011

Posted on 7/20/2011 by

BBB cautions consumers when using online websites to find a rental home

Within seconds of searching the Internet, potential home renters can find all the information they need about a possible new home, such as pictures, prices and virtual tours. However, such tools give scammers the perfect opportunity to take advantage of consumers. Better Business Bureau warns renters to be on the lookout for phony ads on Craigslist and other Internet services aimed at stealing money.

Consumers typically fall victim to these scams after responding to an online classified for a rental property. Victims say they are asked by the supposed landlord to wire money for the deposit and first month’s rent in order to receive the keys to the rental home. When asked if the renters can view the property prior to wiring money, the landlords claim to be out of the country and unable to show the house.

As a result of this scam, many shocked homeowners have received knocks at their doors from people who were planning to move into their new rental home. Often, the actual homeowners have their house up for sale — not rent — and have pictures posted online that the scammers steal for their phony listings.

BBB warns consumers of the following red flags:

·The deal sounds too good to be true. Scammers will often list a rental for a very low price to lure victims. Find out how comparable listings are priced. If the rental comes in suspiciously low, consider walking away.

· The landlord is located elsewhere and prefers to communicate via email. Scammers might say they have just been relocated out of the country for a job or missionary work. If the landlord is truly overseas, there is also no way to get a copy of a lease or keys.

· The landlord requires a substantial deposit before handing over the keys or even showing the property. Don’t pay any money before inspecting the home, inside and out. Most reputable Realtors will allow potential home renters to view and see the property before taking any money.

· The landlord asks the renter to wire money through services such as Western Union or Money Gram. Money sent via wire transfer service is extremely difficult to retrieve. Once the scammers have picked it up, there is little recourse, if any, for getting any money back.

BBB Warns of Craigslist Job Scam

7/15/2011

Posted on 7/15/2011 by

A bogus employment opportunity scam has surfaced on Craigslist claiming to offer a job with the Better Business Bureau.

Scammers are posting fake advertisements for employment opportunities for a Data Entry Clerk at Better Business Bureau in regions across North America, including here in Idaho. Once the job hunter replies to the posting and sends in their resume, they receive an email response that indicates that all employees are paid via direct deposit. The e-mail directs the applicant to click a link to sign up for their preferred banking institution at no additional cost, revealing personal banking information and potentially downloading malware to their computer. The Better Business Bureau serving Snake River Region did not post the bogus opportunity. Craigslist has posted a disclaimer for anyone searching for a job warning them of these types of scams.

The goal of most employment scams is to get the victim to pay upfront fees or give away personal information. Scammers set their sights on the unemployed because these people are vulnerable and looking for any decent work opportunities.

Not thoroughly researching a job opportunity can make a bad situation even worse, and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.

BBB warns job hunters to watch out for these three common job scams:

Job offers that require upfront fees. No legitimate job offer will require out of pocket expenses from a potential employee for background checks, credit reports, or administrative fees before an interview. Additionally, job seekers should never provide bank account information for direct deposit setup until they have officially been hired.

Unsolicited job offers. Identity thieves employ many different methods for getting personal financial information from job hunters. Spam email might offer a great opportunity and direct the job hunter to a website that is designed to install malware on his or her computer or solicit bank account details. In other cases, the job hunter might even be asked to submit a resume, find out they’ve been hired and then immediately be asked for bank account or social insurance numbers.

The job requires you to wire money. Many phony jobs require the employee to cash a cheque sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the story given, the ending is always the same: the cheque is a fake and the employee is out the money he or she wired back to the scammers.

Council of Better Business Bureaus Announces Groundbreaking Agreement on Child-Directed Food Advertising

7/14/2011

Posted on 7/14/2011 by
Arlington, VA – The Children’s Food and Beverage Advertising Initiative (CFBAI), a program of the Council of Better Business Bureaus, today announced a groundbreaking agreement that will change the landscape of what is advertised to kids by the nation’s largest food and beverage companies. For the first time, these food and beverage companies, who do the vast majority of advertising to children, will follow uniform nutrition criteria for foods advertised to children.

These uniform nutrition criteria, designed by CFBAI and top food industry scientists and nutritionists, will further strengthen voluntary efforts to change child-directed food advertising. Approximately one in three products currently advertised to kids do not meet the new nutrition criteria. While individual companies already have strong nutrition criteria for the products they advertise, the new uniform nutrition criteria will require many companies to change the recipes of these products or they will not be able to advertise them after December 31, 2013. The new criteria encourage the development of new products with less sodium, saturated fat and sugars, and fewer calories.

“These uniform nutrition criteria represent another huge step forward, further strengthening voluntary efforts to improve child-directed advertising. Now foods from different companies, such as cereals or canned pastas, will meet the same nutrition criteria, rather than similar but slightly different company-specific criteria. The new criteria are comprehensive, establishing limits for calories, saturated fat, trans fat, sodium and total sugars as well as requirements for nutrition components to encourage,” said Elaine Kolish, Vice President and Director of the CFBAI.

The result of a year-long effort to further improve the nutrition composition of foods advertised to children, the new CFBAI criteria take into account food science, U.S. dietary guidelines, and the real-world difficulties of changing recipes of well-known foods. The new CFBAI uniform criteria fill gaps in the system of company-specific standards. They also recognize the inherent differences in food categories and their role in the diet, and set calorie and nutrient requirements that are appropriate for ten categories. Under the new CFBAI criteria, different foods such as cereals, peanut butter and dairy products have different nutrition criteria that are appropriate to each category.

“The food supply is a critical component to health and wellness. These criteria are meaningful, but practical, science-based standards that will further encourage healthier foods to be developed and advertised to children. Having criteria that are balanced for both nutritional significance and yet allows inclusion of foods that taste good and are affordable is critical because no matter how healthy a food is, if it’s not consumed it will not improve health and wellness. These criteria strike that balance,” said Dr. Eric Decker, Chair of the Department of Food Science, at the University of Massachusetts-Amherst, and a member of the Institute of Medicine’s Committee on School Foods.

The ten product categories are: juices; dairy products; grains, fruits and vegetable products; soups and meal sauces; seeds, nuts, nut butters and spreads; meat, fish and poultry products; mixed dishes; main dishes and entrees; small meals; and meals. Each category has its own set of criteria, such as:

Juices. For juices, no added sugars are permitted, and the serving must contain no more than 160 calories.

Dairy. This category includes products such as milk and yogurt. For ready to drink flavored milk, an 8 fluid ounce portion is limited to 24 grams (g) of total sugars. For yogurt products, a 6 ounce portion is limited to 170 calories and 23 grams of total sugars. These sugars criteria include both naturally-occurring and sugars added for flavoring.

Grains, fruits and vegetable products (and items not in other categories). This category includes products such as cereals, crackers and cereal bars. Foods with ≤ 150 calories, such as most children’s breakfast cereals, must contain no more than 1.5 g of saturated fat, 290 milligrams (mg) of sodium and 10 g of sugar (products with > 150−200 calories get proportionately higher limits). Foods in this category also must provide ≥ ½ serving of foods to encourage (fruits, vegetables, non- or low-fat dairy, and whole grains) or ≥ 10% of the Daily Value of an essential nutrient.

Seeds, nuts, nut butters and spreads. Foods in this category, which includes peanut butters, must have no more than 220 calories, 3.5 g of saturated fat, 240 mg of sodium and 4 g of sugar per 2 tablespoons. Foods in this category also must provide at least one ounce of protein equivalent.

Main dishes and entrees. Foods in this category, such as canned pastas, must have no more than 350 calories, 10 percent calories from saturated fat, 600 mg of sodium and 15 g of sugar per serving. Foods in this category also must provide either ≥ 1 serving of foods to encourage or ≥ ½ serving of foods to encourage and ≥ 10% of the Daily Value of two essential nutrients.

“The foods advertised during kid’s programming are better now than before. CFBAI participants have stepped up to the plate and changed what’s on it. As a result, the fat, sugar, sodium or calorie content of foods advertised to kids has been reduced, and their nutrient density increased. During the last several years, the CFBAI participants have changed the recipes of or created more than 100 products to meet their meaningful, science-based nutrition standards,” said Kolish.
Under the current company-specific criteria, a limit of 12 grams of added sugars was the general standard for children’s cereals. This represented a significant improvement from 16 or 15 grams of sugars in cereals advertised to children prior to the CFBAI. Now, under the CFBAI’s new uniform criteria, the limit for most children’s breakfast cereals is 10 grams of total sugars. Similarly, companies’ sodium standards for canned pastas ranged up to 750 mg. Now, 600 mg of sodium, the level FDA uses in its definition of “healthy” claims for main dishes, will be the maximum.

The Council of Better Business Bureaus created the CFBAI in 2006 to respond to the FTC’s and Institute of Medicine’s calls for greater self-regulation of food advertising to children. As a result, advertising primarily directed to children through traditional and emerging media today are for healthier products, and these new criteria will result in participants improving products even more.

For more details on the criteria, visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative/.

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About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Incorporated; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the current pledges of the participants visit: http://www.bbb.org/us/children-foodbeverage-advertising-initiative

BBB Consumer Alert: Advance Fee Loan Scam Falsely Uses Memphis Address

7/13/2011

Posted on 7/13/2011 by

BBB Consumer Alert:

Advance Fee Loan Scam Falsely Uses Memphis Address

Fast Facts:

Company doesn’t exist at Memphis address it is using
Promises a loan in exchange for an up-front fee wired to Jamaica

July 12, 2011 - Memphis, TN- The BBB of the Mid-South is warning consumers about an advance fee loan scam operating with a Memphis address. Dewitt Lending Center offers a personal loan with one stipulation – the customer must pay an up-front fee in order to receive the loan.

Dewitt Lending Center has a snazzy website with cool graphics, music and flash elements, and claims they are “Bad Credit Loan Experts.” The website refers to the company in various places as Dewitt Lending Center, Rising Sun Lending Firm, and Rising Dewitt Lending Center, which may indicate that this scam has operated under more than one name.

The website also has no contact information for the business. The BBB has obtained copies of documents faxed to consumers that claim the company is located at 8700 W Trail Lake Drive, Suite 222, Memphis TN. The BBB has verified that no business with that name exists at that address. The actual occupant, The Sharpe Group, has received calls from people asking for Dewitt Lending Center.

According to Tournament Trails Joint Venture, they own the property and the legitimate tenant at that address, The Sharpe Group, is in no way connected to this scam.

Consumers across the country have contacted the BBB to inquire about the company; however, they found the offer fishy enough to seek BBB advice before sending any money.

One woman who contacted the company for a $9000 loan was asked to send $490 “collateral” to Kingston, Jamaica. In the BBB’s experience, wiring money to Jamaica is almost always a scam.

“Why would a company located in Memphis want you to wire money to Jamaica?” said Randy Hutchinson, BBB President. “It doesn’t make any sense.”

Advanced fee loan scams require that consumers pay money upfront to secure a loan. Companies often disguise this up-front charge with deceptive rhetoric.

“It doesn’t matter what they call it, asking for money upfront is illegal,” Hutchinson said. “Once a consumer wires the funds to the company, the loan money never arrives, and the victim is out any funds they wired.”

A consumer from Murrieta, CA told the BBB Dewitt Lending Center called her several times asking her to wire money to Kingston, Jamaica. “The company is trying to act as if they are giving you a loan once you send them money by Western Union,” she told the BBB.

Another woman from Savannah, GA told the BBB that a Dewitt Lending Center representative told her she was approved for a three-thousand dollar loan but would be required to first pay a sum of $408.00. She was told that the money would cover her first three months payment and it was not a fee. “Is this legal?” she asked. “I don't want to get myself in a scam type situation.”

To date, no complaints have been received from local consumers victimized by the scam.

Two signals that can indicate the illegitimacy of a given company are promises of loan approval prior to receiving the customer’s application and charging advance fees for the loan. Additionally, advance fee loan scams frequently use delivery methods other than the US Postal Service in order to avoid being detected and prosecuted by postal authorities.

The BBB reminds loan seekers to keep the following tips in mind:

Ask yourself why, if a local financial institution won’t make you a loan, someone in a foreign country would.
Check the reputation of any lender with the BBB and your state agency that regulates financial institutions prior to entering into a transaction with them.
Legitimate lenders will never guarantee or promise a loan before you apply for one, especially if you have a poor credit history or no credit record at all.
Be wary of giving financial information to a company you are unfamiliar with, via phone, email or other means.
Never wire money to someone you don’t know. You have little recourse if there is a problem with the transaction.
Keep in mind that it is against the law for a company to ask you to pay – or accept payment – for the company’s services until you receive your loan.

Is Retirement in Your Future?

7/11/2011

Posted on 7/11/2011 by
Having an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and the fact that employees are cutting back on what they contribute to an employee’s retirement, consumers now realize they must take more personal responsibility for their retirement finances. In this economy, how do you go about making sure you will have the finances needed for a secure retirement?

According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits like 401(k) plans which allow for an immediate tax deduction growth on your savings.

“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”

BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:

A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.

Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.

Take advantage of your employer’s retirement savings plans. While more and more companies are becoming less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. There may even be a chance that your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an Individual Retirement Account (IRA); you can also contribute even more if you are 50 or older.

Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

For more financial tips you can trust, visit www.bbb.org/us/bbb-news.

Avoid Unexpected Cell Phone Data Charges when Traveling this Summer

7/11/2011

Posted on 7/11/2011 by
Nowadays, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars worth of data charges while traveling abroad this summer.

Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.

According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.

“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “To prevent the unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”

BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:

Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.

Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.

Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.

For more travel tips you can trust, visit www.bbb.org/us/bbb-news.

“Quick” Tips for Marketing With QR Codes

7/11/2011

Posted on 7/11/2011 by
Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website. BBB offers some “quick” tips for businesses considering implementing Quick Response (QR) codes for their business.

So what is a QR code, exactly? These 2 dimensional barcodes, which originate back to circa 1994, aren’t exactly new, but are now being used in fun, innovative, business savvy ways that are luring in customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be read quickly by your smartphone. Think of a barcode that can store much more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless. A business can use a QR code to show information such as directions to their business, their company’s BBB Business Review or even a URL that the viewer can click to receive a coupon. You can even put a QR on your business card with a link in the QR that takes the recipient directly to your website. Or add a QR that contains your contact information making it easy to add that info to a cell phone.

“QR codes are a fun way to attract customers to your business’ website or promotion,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “You can get creative by placing the QR code in your email signature, allowing the viewer to go directly to your website. Or you can even have the code contain contact information, making it easy for the viewer to add it to his or her own cell phone.”

So what are other ways to use the code? And are there any risks? BBB offers the following “quick” tips to businesses who are considering a QR code:

Where to display? Many businesses are turning to the windows of their store, paper advertisements, business cards, email signatures, shirts, mugs, ties and other products to display their businesses’ QR code. Some businesses are even using the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

How do you generate your own QR code for free? Many sites offer a free QR generator that spits out an easily copied code that can be used as a template for all of your QR code needs.

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place. Like any other malicious website, QR codes can potentially direct you to a harmful website that can ultimately lead to a virus infiltration on your smartphone.

For more consumer and business news you can trust, visit www.bbb.org/us/bbb-news.

Summer Months Bring Highest Rates of Burglaries – Is Your Home Secure?

7/11/2011

Posted on 7/11/2011 by
Arlington, Va. – The summer months are the perfect time for a vacation getaway. Unfortunately, they are also the perfect time for a home robbery. According to the FBI, the summer months of July and August have the highest rates of burglaries. Better Business Bureau is advising homeowners, who are looking to secure their property this summer, to do their research when picking a home security system.

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

“It’s important to investigate the purchase of a home security system with the same care you would any major purchase,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “There are too many door-to-door salespeople selling home security systems out there that don’t always have your best interest at heart.”

BBB advises consumers to do the following when looking to invest in a home security system:

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.
Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? These are the types of questions you need to consider before you obligate yourself to a long-term contract.
Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. Ask for a complete inspection of your property and an itemized written estimate. Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.

Don’t Fall Victim to a Beauty Pageant that Could Break the Bank

7/11/2011

Posted on 7/11/2011 by
Many advertisements seeking beauty pageant participants read, “Win Big Prizes! Scholarships! Cash! Become the Next Supermodel!" These ads are appealing to parents of young children, teens and others who are convinced they have what it takes to become the next big star. Participating in a beauty pageant may provide a rewarding experience, but many would-be contestants find that some pageant promoters do not deliver what they promise. While there are legitimate pageants, there are also those - whose only purpose is to fatten the pockets of promoters.

In 2010, Better Business Bureau received nearly 10,000 inquiries from consumers about beauty pageant promotions. “Beauty pageants can carry big price tags,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Before finding yourself scammed out of thousands of dollars, it’s important to check out the pageant operator with BBB first.”

Before entering into a pageant, parents and others who want to get involved should consider the following questions:

How long has the company been operating pageants? Who are the directors? Usually pageants are operated by for-profit organizations that solicit participants by mail or print advertising, or by broadcast media, to compete for recognition and prizes from the promoter.

What is the total cost of pageant participation for both the entrant and the chaperone? Oftentimes, family or business sponsors are asked to pay a sponsorship fee, which can vary in size, to the pageant promoter to cover hotel rental fees, awards, administrative costs and salary for company personnel and to generate company profits. Also, keep in mind that there are other costs for entrants, such as clothing, make-up, food and lodging.

Can the location (place of business) of the pageant company be verified? Where and when will the actual pageant be held? What accommodations are provided for contestants? Will there be adequate supervision?

Do all of the details add up? Are there judges and what are their qualifications? Do they have any affiliation with the company? Are refunds possible if a contestant decides to withdraw from the pageant? How are the winners chosen? What criteria are used for selection? What are the obligations of the winning contestant? What do former contestants and winners have to say about the pageant? Ask the company for references. Finally, what benefit will be derived from participating or winning?

Do the winnings sound too good to be true? If so, they probably are. Be sure to read any contract carefully and thoroughly in advance of entering a pageant to understand the rights and responsibilities of the winner or other contestants.

For more consumer tips and news you can trust, visit www.bbb.org/us/bbb-news

In the News -- BBB Tells Today Show about Vehicle Service Contracts Scam

6/28/2011

Posted on 6/28/2011 by

Robo-calls -- those automated phone calls pitching products and services -- were used extensively by U.S. Fidelis, a Missouri-based seller of vehicle service contracts. The contracts also were marketed through national TV commercials.

Now the principals have been indicted on consumer fraud charges.

Michelle Corey of the Better Business Bureau in St. Louis tells the Today show about the BBB's investigation of the business. Complaints alleged misrepresentation of the offer, and difficulties in getting contracts honored. U.S. Fidelis has an F rating with the BBB, the lowest rating possible.

See the story here:
http://today.msnbc.msn.com/id/26184891/vp/43560209#43560209

To see the BBB Business Review on U.S. Fidelis, click to
http://www.bbb.org/stlouis/business-reviews/auto-service-contract-companies/u-s-fidelis-in-wentzville-mo-310016763

To check out a business, start at www.bbb.org. You can also find BBB Accredited Businesses, get tips and alerts, file a customer complaint, or report misleading advertising claims.

Fire Your Customers To Grow Your Business

6/28/2011

Posted on 6/28/2011 by

I recently had a paradigm shifting conversation with one of the owners of an Idaho-based business with several offices throughout the United States. She said, “When the economy gets tough, it’s time to get rid of your customers.”

That’s when she pulled out the dictionary. “We’ve always referred to customers in our company as clients,” she said. “Instinctively, I knew why. But, to explain it to my employees, I looked it up in the dictionary.”

According to Webster, a customer is one that purchases a commodity or service. A client is one that is under the protection of another.

She continued: “We want our clients under our protection. We take care of them.”

We know words matter. If you’re considering changing the approach from customers to clients in your business, every word counts.

I asked how she leads her employees to adopt the client language. “We begin by calling them (employees) client service people rather than customer service people,” she said. “Then, we do a lot of internal training. It’s really important. We have client lists in our client database. Any time we refer to them, we use the word client.”

However, the concept of having clients goes deeper than words or taking care of the people who buy your products or services. For the owner of the Idaho business – it’s about relationship building. Getting to know people by name and understanding needs and wants are critical to fully accepting the paradigm shift from customer to client. She wants to know when clients have kids who are graduating or about to get married. She said: “We have our employees go out and meet them, talk to them on the phone, send them cards. It’s all about relationships.”

“Yeah,” you say. “But I’m in retail. We handle hundreds or thousands of customers a day. We don’t have time for taking care of people.” You may reconsider after the story our business owner likes to share.

She was in her favorite retail clothing store, at the checkout counter, when the cashier said, “Did you know all of these clothes will be going on sale this Sunday?” The business owner said no, and explained she was going to be out of town over the weekend and unable to shop on the day of the sale. The cashier continued building the relationship by asking if the clothes were needed for the trip. No. Then the cashier turned the clothes buying customer into a dedicated client. The person behind the counter offered to take an imprint of the credit card and hold the clothing until the sale day, ring up the merchandise then and save it until the client could pick it up.

“It was like, wow! Really?” the business owner said. “This is a retail store that knows me well enough that they would do that. I know them well enough and I trust them enough to hold the credit card. That’s a client relationship.”

Here’s to fewer customers and more clients.

Phony Debt Collectors Contacting Idaho Consumers

6/24/2011

Posted on 6/24/2011 by

Better Business Bureau of the Snake River Region is issuing an alert about phony debt collectors calling people in Idaho, claiming they have defaulted on a payday loan and will be charged with check fraud or arrested if they don’t pay immediately.

The scammers claim to be lawyers and say they are with a number of different law firms. The “attorneys” have a disconcerting amount of personal information about their potential victims including name, address, previous loans, references, and on occasion, Social Security numbers.

According to reports received by the BBB, the scammers accuse the victim of being in default on a payday or title loan and they are being sued. The caller threatens if payment is not received immediately, an affidavit will be issued to the court for Federal Check Fraud charges. The scammers demand a debit or credit card or for the victim to purchase a pre-paid check card to make payment.

Potential victims also report the caller refuse to provide a location and occasionally will not provide the name of the organization they represent.

BBB offers the following advice if you receive a suspicious telephone call about an outstanding debt:

Ask the debt collector to provide official documentation, which substantiates the debt.

Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.

Obtain your free annual credit report by going to annualcreditreport.com or calling 1-877-322-8228 to check and determine your outstanding debts or any suspicious activity. If the scammer does have a great deal of personal information, place a fraud alert on your credit report.

Contact the BBB to research the alleged debt collector at bbb.org

Check with the Idaho Department of Finance for licensing information at 888-346-3378 or finance.idaho.gov. A collection agency must be licensed by the state. If they are violating the Fair Debt Collection Practices Act or do not have a license, file a complaint with the Department of Finance.

File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.

File a complaint with BBB online if you believe a debt collector is trying to scam you at complaint.bbb.org.

BBB Advises Parents To Be On Guard For Signs of ID Theft Targeting Children

6/21/2011

Posted on 6/21/2011 by
The first tell-tale sign that a child has been the victim of identity theft could be a credit card solicitation in the child’s name arriving in the mailbox, the Better Business Bureau (BBB) warns.

Identity thieves comb the Internet to find inactive Social Security numbers, many of them assigned to children. Companies sell the numbers under different names. Thieves then use the numbers to establish fake credit and rack up significant debts. The debts could mar a child’s credit record later in life. Creditors may try to collect the debts, too.

Identity theft is a serious problem for adults, but it’s even more frightening that it can affect young children. Parents should take precautions to ensure the safety of their child’s identity and credit.

Last year, 8.1 million American adults became victims of ID theft, with losses totaling $37 billion, according to a report from Javelin Strategy and Research. While information on child ID theft is scarce, Debix, an ID theft monitoring company, checked records for 40,000 children and found that 4,000 records had been tainted.

The BBB advises parents to be on the lookout for signs of child ID theft:

Find out how to check your child’s credit report. Many reports for children under 13 are unavailable from the free credit report website, http://annualcreditreport.com. The easiest way to check is to ask TransUnion, one of the three credit reporting agencies, for your child’s report. If there is no report, then odds are good that your child is in the clear. If not – or if you have other reasons to believe your child has been a victim – you should get reports from the other two bureaus, Experian and Equifax.
Recognize signs of trouble. Calls for your children from collection agencies or letters offering them credit cards are common red flags that indicate a child’s identity may have been stolen.
Know what to do if you suspect your child is a victim. Every parent should check his or her child’s credit report on the child’s 16th birthday. While it isn’t a good idea to check it too often, families should check reports in time to fix errors and remove fraudulent activity before their children apply for college and seek financial aid. If you find suspicious activity, contact all three credit bureaus and request a report immediately. If your state allows it, you can request that a credit freeze be placed on the child’s report immediately.

URGENT ALERT: Scam Artists Calling Businesses Posing as Better Business Bureau

6/17/2011

Posted on 6/17/2011 by

The Better Business Bureau is alerting businesses in Idaho to hang up on scam artists claiming to be with the BBB, demanding information, then becoming rude and belligerent when questioned.

“We are hearing reports that the caller posing as the BBB asks for the business owner,” said President/CEO Dale Dixon. “The caller says they want to update the companies web page and add more to it. Bottom line: the caller is phishing for information and a credit card. Ask a few questions and if you don’t get immediate, open and honest answers, hang up the phone.”

Dixon explained that the Better Business Bureau regularly contacts businesses in the area. The legitimate BBB representative will always provide his or her name, will act with courtesy and professionalism.

If you receive a suspicious phone call from someone claiming to be with the Better Business Bureau, the BBB asks you call 947-2100 to report the incident.

BBB of Delaware Warns of Penny Auction: Bidrack

6/8/2011

Posted on 6/8/2011 by

As of May 5, 2011 (only 35 Days ago) the BBB of Delaware has received 222 complaints on a company called “BidRack”. This is a “Penny Auction” website that offers an “Online Bidding” atmosphere on many high tech and popular items, including iPods, Kindles, computers, designer items and more.

Online ads for online penny auctions are popping up everywhere, but your BBB warns consumers that they should do their research before making any bids.

With penny auctions, typically users set up an account and purchase bids with a debit or credit card. Each bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item in the auction has a countdown clock and as people place bids, the cost of the item goes up and more time is added to the clock. Each bid costs money, and even if you don’t win the product, you still have to pay for those bids placed.

Consumers have reported to us that when they sign up for the BidRack service, they are under the understanding that it is "Free". However, upon registration, their credit card is then charged a fee, often around $99. The BBB strongly encourages you to read carefully the terms and conditions of any offer.

To date, we have not received a response from the company on any of the complaints.

To read more about BidRack, click here.

U.S. Department of Transportation and Better Business Bureau Collaborate to Fight Distracted Driving

6/8/2011

Posted on 6/8/2011 by
Arlington, Va. – U.S. Transportation Secretary Ray LaHood today announced that the U.S. Department of Transportation and Better Business Bureau will collaborate to educate consumers and businesses about the dangers of distracted driving.

The USDOT and Better Business Bureau are calling on businesses across the country to adopt distracted driving policies as part of their employee culture. A strong distracted driving policy helps companies save lives, reduce time lost from work due to accidents and injuries, reduce insurance premiums, and save money.

“Distracted driving has become a deadly epidemic on America’s roads,” Secretary LaHood said. “We know that educating people about the risk of distracted driving works, and we are pleased to be working with BBB to raise awareness and help businesses and consumers fight this problem.”

“BBB is very pleased to help the USDOT spread the word about the dangers of distracted driving," said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. "Raising awareness about the dangers of multi-tasking while driving is vital. We are pleased to help promote this good work of the USDOT.”

The national website of the Better Business Bureau will feature a link to a free tool kit that provides employers with suggested distracted driving policies to help keep their employees safe. The kit, created by the USDOT and the Network of Employers for Traffic Safety (NETS), contains materials such as a sample company policy, a sample memo to employees on that policy, and a sample company press release.

In addition, Better Business Bureau’s national website will feature videos from USDOT’s “Faces of Distracted Driving” video series. The videos include heartbreaking stories from family members who have lost loved ones due to distracted driving accidents. Better Business Bureau will also provide a link to www.distraction.gov, a complete resource on everything having to do with distracted driving.

Nearly 5,500 people in the U.S. were killed and almost half a million were injured in accidents related to distracted driving in 2009. Eighteen percent of those fatal accidents involved the use of a cell phone.

The U.S. Department of Transportation’s campaign against distracted driving is a multi-modal effort that includes automobiles, trains, planes, and commercial vehicles.

On September 30, 2009, President Obama signed an Executive Order directing federal employees not to engage in text messaging while driving government-owned vehicles; when using electronic equipment supplied by the government while driving; or while driving privately owned vehicles when they’re on official government business. The order also encourages federal contractors and others doing business with the government to adopt and enforce their own policies banning texting while driving on the job.

The Federal Motor Carrier Safety Administration (FMCSA) banned commercial truck and bus drivers from texting while driving in September 2010, and proposed a ban on the use of cell phones by commercial drivers in December 2010. In September 2010, the Pipeline and Hazardous Materials Safety Administration (PHMSA) proposed a ban on the use of electronic devices by drivers operating a motor vehicle containing hazardous materials, in conjunction with the proposed FMCSA ban.

The Federal Railroad Administration (FRA) banned rail employees from using cell phones or other electronic devices on the job following a September 2008 Metrolink crash in Chatsworth, California that killed 25 people.

After a Northwest flight crew distracted by a laptop overshot their destination by 150 miles, the Federal Aviation Administration (FAA) advised air carriers to create and enforce policies that limit distractions in the cockpit and keep pilots focused on transporting passengers safely.

For more information, contact Kelsey Owen at 703-247-9376 or kowen@council.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

“Free” Real Estate Investment Seminar Could Cost Tens of Thousands

6/6/2011

Posted on 6/6/2011 by

BBB Warns Armando Montelongo Seminars Have Generated Over 50 Recent Complaints

The BBB of Austin, Texas warns consumers to think twice before attending Armando Montelongo’s “Mega Millionaire Round Table Live” seminars being held in Boise and Meridian next week. According to the company’s website, daily seminars are planned in Boise and Meridian, June 11-13, 2011. These seminars promise to help consumers “learn to make cash” with “no money” and “no credit” by flipping properties they purchase for “pennies on the dollar.” However, dozens of consumers have contacted the BBB in Austin, Texas to complain that they did not get the real estate selling information they expected and to request help getting a refund from the company.

Armando Montelongo Worldwide Inc., is a San Antonio, Texas based company that hosts the seminars, The company is generating complaints alleging that consumers who attend the company’s free seminars are encouraged to attend another 3-day seminar for a fee of $1,497. Several consumers who paid an upfront fee to attend the second 3-day seminar allege they did not receive the information they expected about how to make money by flipping properties. Some consumers also claim they were further pressured to agree to yet another educational package in order to learn more about Montelongo’s property investment secrets, for prices in the tens of thousands of dollars.

A consumer signed up to attend one of the company’s free seminars after seeing Armando Montelongo’s infomercial on TV. After the first seminar, the consumer agreed to pay the additional $1,497 fee to attend the next seminar, but then decided to cancel her purchase immediately. The consumer told BBB she was instructed by the company to call an 800-number within 3 days. She did so, but never received a refund. The consumer was later instructed by the company to go to the second seminar in order to receive the refund in-person. However, the company then insisted that her attendance at the event meant she was not due a refund.

While at the seminar, this consumer told BBB she overheard “a lot of people were complaining about the price, and the [real estate investment] course.” The consumer stated that “realtors and mortgage brokers were there, and all the information being provided was stuff they already knew.” The consumer then filed a complaint with BBB and disputed the charge with her bank in an attempt to get her money back.

BBB contacted Armando Montelongo Worldwide Inc. in June 2010 with concerns regarding the company’s advertising and concerns about the pattern of consumer complaints. It was not until May 5, 2011 that the company provided a written response to BBB’s concerns. In their response, the company stated that they have changed some of their advertising claims. The company also stated that consumers are expected to cancel their purchases using the procedure outlined in the terms and agreements provided at the time of purchase.

On May 16, 2011, BBB sent a letter to the company requesting an explanation of what action, if any, they would take to prevent similar complaints from arising in the future. BBB also called the company to offer the opportunity to address BBB’s concerns verbally, but was informed to expect a complete response in writing.

Armando Montelongo Worldwide Inc. has received 60 total complaints in the past 36 months, 52 of which were received in the past 12 months. Of the 60 complaints, 16 have been ignored by the company. Consumers who attend the seminars are strongly advised to read all contracts and materials prior to agreeing to a purchase with Armando Montelongo Worldwide, Inc. For more information, click here to view the company’s current BBB Business Review.

Before registering for a seminar, BBB advises consumers to look for the following red flags:

· A required, large upfront investment. One of the most common complaints BBB receives about investment opportunities is when consumers pay fees and do not receive the promised income.

· A promise of a high return for low risk. Every real estate venture and financial investment comes with a level of risk. If a seminar offers a plan claiming large returns with little or no risk, beware, even if it comes with the promise of a money-back guarantee. If it sounds too good to be true, it probably is.

· The use of high pressure sales tactics. Seminar leaders often try to get consumers to sign up immediately. They may claim there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. A reputable company will encourage consumers to take their time to do research before buying in.

Consumers with questions or complaints can contact the BBB in Austin, TX at the following:

BBB serving Central, Coastal, Southwest Texas and the Permian Basin
WWW: http://austin.bbb.org
Email: info@austin.bbb.org
Phone: (512)445-2911
Fax: (512)445-2096
1005 La Posada Drive
Austin TX 78752

“Free” Real Estate Investment Seminar Could Cost Tens of Thousands

6/6/2011

Posted on 6/6/2011 by

“Free” Real Estate Investment Seminar Could Cost Tens of Thousands

BBB Warns Armando Montelongo Seminars Have Generated Over 50 Recent Complaints

The BBB warns local consumers to think twice before attending Armando Montelongo’s “Mega Millionaire Round Table Live” seminars being held in Boise and Meridian next week. According to the company’s website, daily seminars are planned in Boise and Meridian, June 11-13, 2011. These seminars promise to help consumers “learn to make cash” with “no money” and “no credit” by flipping properties they purchase for “pennies on the dollar.” However, dozens of consumers have contacted BBB to complain that they did not get the real estate selling information they expected and to request help getting a refund from the company.

Before registering for a seminar, BBB advises consumers to look for the following red flags:

· A required, large upfront investment. One of the most common complaints BBB receives about investment opportunities is when consumers pay fees and do not receive the promised income.

· A promise of a high return for low risk. Every real estate venture and financial investment comes with a level of risk. If a seminar offers a plan claiming large returns with little or no risk, beware, even if it comes with the promise of a money-back guarantee. If it sounds too good to be true, it probably is.

· The use of high pressure sales tactics. Seminar leaders often try to get consumers to sign up immediately. They may claim there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. A reputable company will encourage consumers to take their time to do research before buying in.

Consumers with complaints or inquires can contact the BBB in Austin, Texas:

BBB serving Central, Coastal, Southwest Texas and the Permian Basin
WWW: http://austin.bbb.org
Email: info@austin.bbb.org
Phone: (512)445-2911
Fax: (512)445-2096
1005 La Posada Drive
Austin TX 78752

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/1/2011

Posted on 6/1/2011 by
Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

“It’s terrifying to think that your child or even unborn child’s identity could be comprised for the sole reason that they have clean record,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “It is extremely important that parents take the necessary precautions to ensure the safety of their child’s precious and helpless identity.”

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18, http://AnnualCreditReport.com. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. From there depending on your state's credit freeze rule, placing a credit freeze should be considered.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

New Facebook Threats

6/1/2011

Posted on 6/1/2011 by

I received a Facebook wall-post from a well-meaning “friend.” It read, “Dale has new answers to unlock.” Answers to what? Do I succumb to the tinge of curiosity? No. The “answers” will stay locked. In so doing, I keep my computer locked and safe.

The wall post was a link – made to make me think I would be downloading an application for my Facebook account. While there are legitimate apps, many are not. The risk of spreading a scam to my 1200+ friends makes me very selective about what I’m willing to click. In fact, out of curiosity, I checked how many apps I use on Facebook. That would be one – which is Scrabble.

Exercise the same caution any time you see one of those baited questions and associated links show up on your Facebook wall.

First, be careful for your friends’ sake. Whether you have a couple dozen, couple hundred or couple thousand Facebook friends, cleaning up the mess of letting a scam infect your friend list can be lengthy and embarrassing.

Next, be careful because the scams are almost as ubiquitous as Cityville or Farmville. If a vague invitation to look at something pops up on your wall, watch for warning signs of words like wow, profile, OMG, stalker, photo, and the list goes on. The combination of no description and hyped words is a good indication you’re at risk if you click the app and grant access.

BitDefender, an internet security company, put together some numbers showing how often those Facebook posts turn out to be attempts to infect your computer.

The company found the biggest scam trap to be profile insight apps - those promising to show who's viewing your page and who deleted you. BitDefender estimates that each time a profile insight scam is posted, it generates more than 1.4 million click-throughs. Facebook's popular social games are a common trap as well, in a distant second, with less than 700,000 click-throughs. Shocking image and video posts are number three on the list.

Bottom line: If you see a link leading you to an app that promises you a peak at who’s looking at your pictures, a must-play game or some shocking video of what your neighbor is doing, you’re about to be led down the scam path.

If you’ve inadvertently given access to a scam app, go through your security settings and revoke any access for apps you don’t recall signing up for.

While we’re on the subject of Facebook, the site introduced an optional security setting that allows you to surf Facebook more securely. Having a connection with HTTPS in the browser versus HTTP helps protect your password as it moves from your computer to the website's server you're accessing.

While on Facebook, look at your URL address in the browser. If you see "http:" instead of "https:" you do not have a secure session. It's easy to change. Just go to Account (upper right) click Account Settings. Then, Account Security - click Change. Check the box labeled secure browsing, click Save.

Building a Facebook Presence That Works to Your Business

6/1/2011

Posted on 6/1/2011 by
Social media has become a dominating force in the eyes of today’s consumer. From YouTube to Facebook, consumers are turning to social media sites now more than ever to get more deeply connected to a business. Better Business Bureau is advising businesses to use their Facebook presence to their advantage.

A Facebook page can serve as an eye catching way to lure in potential customers – if used correctly. Making sure that your website is up-to-date and fresh is the first step to having a solid, successful Facebook page. Don’t make the mistake of having your Facebook page serve as your only online presence. An eye catching Facebook page is a great way to complement your business’ website.

According to Human Business Works, 60% of U.S. businesses are not online in any fashion — a huge mistake in an age where most people rely heavily on search engines to find information about businesses. Investing the time and creative brain power behind your website serves as a great landing page for your Facebook link. As many have found, Facebook serves as a great way to build your fans and overall constituency and it’s important that your page’s messaging speaks volumes about the effectiveness of your business and its brand.

“Businesses can gain great insight about their consumers through their Facebook page. Looking at their responses and involvement on their page is a great indicator of the depth and to what degree they are reaching their audiences,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Special graphics and applications aren’t a must, but could be considered to add a nice spice and to set the page apart from others in the business.”

BBB recommends the following to small businesses that are looking to grow their Facebook presence:

Keep your page fresh, lively and interactive. When posting to Facebook make sure to keep your audience in mind. What would they like to know and what do they need to know? Are you offering any special deals, rewards or promotions? All comments should be kept positive and sincere. Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.

A picture (and video) is worth a thousand words. Make sure to keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun,telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings that are in-line with your business are a great way to show your followers that you are up-to-date and keeping with the trends of the industry.

For more tips on keeping your business successful, visit www.bbb.org/us/bbb-news.

Proceed with Caution before Investing in Technology Buy-Back Programs

6/1/2011

Posted on 6/1/2011 by
Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

“If you are an individual that likes to say on top of the latest and greatest technology, then a buy-back program may be for you,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “But, as with anything else, you will need to do your research to find out if the program is worth the cost.”

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.

Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news

Avoid Wedding Scams this Spring

6/1/2011

Posted on 6/1/2011 by
This spring, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, BBB advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company out with BBB before doing business with them.

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/1/2011

Posted on 6/1/2011 by
Arlington, Va. – Better Business Bureau receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

Oftentimes, the door knocking presentations are so slick that consumers aren't even aware that they have bought several magazine subscriptions until they receive the bill. In 2011, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to toping last year’s nearly 1,200 complaints. These high pressure sellers use tactics that can have anyone falling victim.

“With the summer months fast approaching, the warm weather is sure to bring an eager group of door knockers from all trades to your door,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Most complaints against door knockers selling magazine subscriptions allege that sales representatives took their check and the magazines never arrived, while some complainants also allege being subjected to high-pressure and misleading sales tactics.”
This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

Listen carefully and be aware of high pressure sales tactics. Some unscrupulous door-to-door sellers will put pressure on you to close the deal at that moment, and even make special offers to entice you. Listen to their tone. Are they increasing in volume as they speak to you? Are they ignoring you despite saying you are not interested? Find a way to end the conversation quickly to avoid long, drawn-out pressure sales pitches.

Stand strong. Do not invite unsolicited salespeople into your home. If you do allow a salesperson inside and decide during the presentation that you are not interested in making a purchase, simply ask him or her to leave. If the salesperson refuses to leave, threaten to call the police, and follow through if they don’t leave immediately.

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including price, warranty and all conditions. Tell the salesperson you will check it out and get back to him or her. Ask for a business card and contact information. Look the company up yourself and check to verify this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.bbb.org.

Know your rights. The Federal Trade Commission’s Three-Day Cooling-Off Rule gives the customer three days to cancel purchases over $25 that are made in their home or at a location that is not the seller’s permanent place of business. Along with a receipt, salespeople should also include a completed cancellation form that customers can send to the company to cancel the agreement. By law, the company must give customers a refund within 10 days of receiving the cancellation notice.

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.bbb.org, local law enforcement, and state Attorney General offices.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Tips on Giving after Disaster Strikes

5/26/2011

Posted on 5/26/2011 by

Tornadoes have wreaked havoc across the country. Thousands have lost their homes and all of their belongings. Others have lost their loved ones.

When disaster strikes, scam artists come out of the woodwork. Scam artists show up and pose as charities, seeking donations from people who are anxious to help.

To make sure that your donation helps tornado victims as intended, follow these tips from BBB:

· Before donating, visit www.bbb.org/charity to research organizations you’re considering supporting.

· Beware of fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.

· Be wary of “charities” that come knocking on your door who are reluctant to answer reasonable questions about their operations, finances, and programs.

· Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.

· Don’t give cash. Checks or money orders should be made payable to the name of the organization, not the individual collecting the donation.

· Don’t give your credit card number or other personal information to a telephone solicitor.

· Be cautious when giving online. At times like this, scam artists don’t think twice about tricking you into giving to phony charities. If you want to give to a charity involved in relief efforts, go directly to the charity’s website.

· Don’t click on any links in email solicitations for money for victims.

· Find out if the charity has an on-the-ground presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly.

· Find out if the charity is providing direct aid or is raising money for other relief groups. Some charities raise money to pass along to relief organizations. If so, consider avoiding the middleman and give directly to organizations actually helping in the area.

· Be wary of claims that 100 percent of donations will assist relief victims. Charitable organizations have expenses they must cover, including those for fund raising and administrative costs.

For more tips on giving, go to www.bbb.org/charity .

BBB and Capital One Partnership Offers Businesses Free Advice Online

5/16/2011

Posted on 5/16/2011 by
Arlington, VA –In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

“Faced with the realities of the economic downturn, millions of small businesses have been forced to take a second look at their finances, including examining their spending habits and how they use credit,” said Stephen A. Cox, President and CEO, Council of Better Business Bureaus. “Regularly examining your business’s finances, including how and why you use credit, is important. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

Most small business owners understand the need to manage credit effectively, however there is no “one size fits all” model of how to do it. Managing Credit – Made Simpler provides a clear set of guidelines that will help them make wise decisions on their small business credit and identify strategies to help small business owners take charge of their business’s financial condition.

“Used wisely, credit can be an invaluable tool. Small-business credit cards can provide much-needed cash flow, and many business cards offer special record-keeping resources and valuable rewards programs that really make a difference,” said Rajsaday Dutt, Sr. Director, Capital One’s Small Business Card division. “Armed with basic information about credit, including understanding of card agreements and knowing what's expected of business cardholders, small business owners can make better choices about how they’re using their cards. Our goal is to empower small business owners to take control of their finances and benefit from card features that can really work for their business.”
The new guide, Managing Credit — Made Simpler: Small Businesses, is available at www.bbb.org/credit-management and includes practical advice and checklists to help small business owners choose the right type of card to meet their business needs. The guide outlines some of the most common features, benefits, and issues to consider before choosing a card, including:

Expense tracking. Most business cards provide expense reports that are divided into categories and make it easy to track your spending and report expenses for your taxes. You may be able to import the information into your accounting and tax software.
Higher limits. A business credit card may offer higher spending limits than a personal card, which can help with monthly cash flow. It is also important to separate your business from your personal expenses to simplify reporting.
Cards for employees. Many business cards allow multiple employee cards on your account with pre-set spending limits, which helps build business credibility and simplifies expense tracking and travel reimbursement.
Helps build your business credit record. A good history managing a business credit card can help you build your business credit record and improve your profile when applying for a business loan and line of credit.
Added protection. A business credit card may also provide travel insurance and auto rental insurance for you and your employees.
Special perks. The business card may offer airport lounge memberships, concierge services, and other special benefits.
Extra benefits. Most business cards offer rewards programs or cash rebates.

BBB and Capital One created Managing Credit – Made Simpler to give customized credit management guidance to different types of credit users, based on their specific needs and perspectives. Small business owners will now have a variety of topics to choose from that will all cater to the needs of running a successful small business. Topics include strategies to pay off balances faster, choosing the right kind of card for your business, how to improve a business’s credit score, strategies to leverage cash and credit, and fraud prevention guidelines.

All of the resources and guidance made available through Managing Credit – Made Simpler can be found online for free at www.bbb.org/credit-management/.

For more information or to schedule an interview, contact Kelsey Owen with BBB at 703-247-9376 or kowen@council.bbb.org; or Pam Girardo with Capital One at 703-720-2351 or pam.girardo@capitalone.com.

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, providing trustworthy consumer and small business advice in addition to evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

About Capital One
Capital One Financial Corporation (www.capitalone.com), headquartered in McLean, Virginia, is a Fortune 500 company with approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Capital One Small Business offers a range of products and services to meet small business needs, with a team of bankers committed to deepening relationships with small business owners and helping them achieve their financial goals. Capital One continuously invests in programs designed to increase money management skills through participation in innovative, interactive learning opportunities. Visit www.capitalone.com/financialeducation for more information.

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by
(ARLINGTON, Va.) – Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website; and the U.S. Department of Transportation's site. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Media Contact:
Kelsey Owen, Marketing Coordinator
(703) 247-9376

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

Media Contact:
John Bisney, Director of Public Relations
(703) 706-4986 jbisney@moving.org

BBB Advice on Giving to Storm and Flood Relief Charities

5/12/2011

Posted on 5/12/2011 by
Arlington, VA – Americans watching the mounting Mississippi floodwaters and the devastation wreaked by recent tornadoes are responding with generous gifts of time and money, as they’ve traditionally responded to disasters throughout the world. But even when needs are close to home, givers should take steps to assure themselves that their donations will go to legitimate and reputable charities and relief efforts that have the capability to help victims, cautions the Better Business Bureau Wise Giving Alliance.

“Despite long experience in giving for major natural disasters, and with the desire to quickly help those in need, Americans sometimes forget to heed advice that’s relevant to all charitable giving,” says Art Taylor, President and CEO of the BBB Wise Giving Alliance. “In the present situation, we advise donors especially to learn about what individual charities are doing and the time frame of their work. Donors who know what to expect from the charities they support are less likely to question the benefit of their gifts.”

BBB Wise Giving Alliance offers the following five tips to help Americans decide where to direct donations:

Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the BBB Wise Giving Alliance (www.bbb.org/charity) to learn more about the charity and verify its accountability.

Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery needs.

Find out if the charity is providing direct aid or raising money for other groups. Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be wary of claims that 100 percent of donations will assist relief victims. Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims that 100 percent of collected funds will be assisting flood victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Kelsey Owen at 703-247-9376.

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,300 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus, the national organization representing 123 BBBs serving communities across the U.S. and Canada – evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

BBB’s “Secure Your ID” Day Shreds Nearly a Million Pounds of Materials Across the Nation

5/11/2011

Posted on 5/11/2011 by
Arlington, VA – Nearly 13,000 vehicles descended on 53 sites across the U.S. Saturday, April 16, all filled with boxes and bags of sensitive documents to be shredded free of charge during Better Business Bureau’s seventh “Secure Your ID” Day community service event. A tremendous success, BBB saw consumers and small business owners from 20 states deliver more than 900,800 lbs (450.4 tons) of materials for safe, responsible destruction.

“For four consecutive years now, BBB has provided identity theft prevention solutions for consumers and business owners with easy-to-use services and programs like BBB ‘Secure Your ID’ Day,” said Stephen A. Cox, President and CEO for the Council of Better Business Bureaus. “None of us can afford to take a passive approach to identity theft – the issue requires action.”

Last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. Despite the drop in instances from 2009, those who suffered from identity theft last year faced higher consequences, the study found. The average out-of-pocket loss nearly doubled, going from $387 to $631 per incident.

Education is one of the most important ways BBB works toward building trust in today’s marketplace. BBB’s “Secure Your ID” Day is a great way for consumers and small businesses alike to take a key step in identity protection. Looking ahead, BBB is excited to continue to the success of last year’s two “Secure Your ID” Days where BBB helped individuals and small businesses at more than 133 sites across the country shred 1.3 million pounds of sensitive documents—all for free. With great expectation and anticipation, the next Secure Your ID Day event is scheduled for October 22, 2011.

For more information on BBB “Secure Your ID Day” and identity theft prevention measures for both consumers and businesses, visit www.us.bbb.org/secureID.

About BBB

As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Settlement provides credit report relief to Hollywood Video customers

5/6/2011

Posted on 5/6/2011 by
A nationwide settlement involving Hollywood Video will benefit thousands of Idaho consumers who have outstanding rental accounts with the bankrupt business, Attorney General Lawrence Wasden said today. Wasden’s office received more than 30 complaints alleging that collection agencies were attempting to collect excessive fees from former Hollywood Video customers and reporting negative account information on customers’ credit reports.

“Consumers have rights under debt collection laws, including the right to dispute a debt,” Attorney General Wasden said. “In many instances, Idaho consumers reported not owing the debt that the collection agencies were trying to collect.”

The problems started after Hollywood Video and Movie Gallery filed for Chapter 11 bankruptcy in 2010. Hollywood’s approved plan created a liquidating trust to collect an estimated $244 million in outstanding debts reportedly owed by 3.3 million customers. The trust contracted with Credit Control Services, Inc., in Massachusetts, which subcontracted its collection responsibilities to National Credit Solutions of Oklahoma.

“Without first notifying consumers about their delinquent accounts, the collection agencies reported consumers’ accounts to credit reporting agencies,” Wasden said. “Because of the collection agencies’ practices, consumers had difficulties obtaining new credit and received lower credit scores. This settlement will help repair consumers’ damaged credit reports.”

The settlement agreement, filed in the U.S. Bankruptcy Court for the Eastern District of Virginia, requires the liquidating trustee to rescind all previously filed negative credit reports and prohibits the trustee from reporting consumers’ debts to credit reporting agencies. The trustee also agreed that:

· No interest will accrue on consumers’ debts.

· No collection fees will be collected from consumers.

· If consumers’ debts are sold to anyone else, they must be sold under a contract requiring the purchaser to be bound by the same obligations.

· Consumers will not be billed for both a late fee and the full price of items that were not returned. For accounts that include both a late fee and a charge for a damaged, late, or never-returned product, the trustee will collect the lesser charge.

The Attorney General publishes a consumer education manual about credit and debt issues. The manual is available on the Attorney General’s website at www.ag.idaho.gov or by calling the office at 208-334-2424. Consumers who incur a loss because of unlawful debt collection practices can file a complaint against the debt collector with the Attorney General’s Consumer Protection Division. Complaint forms are available on the Attorney General’s website.

BBB Warns That Scammers May Be Chasing Your Wallet In Light Of Recent Storms

5/6/2011

Posted on 5/6/2011 by
Your home and wallet may take a serious beating when a big storm hits and with several recent storms and tornadoes, Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at www.bbb.org/us/consumer-tips-home and BBB Wise Give Alliance at www.bbb.org/charity.

CONSUMER ALERT: Veterans' Benefits

5/6/2011

Posted on 5/6/2011 by

U.S. veterans command so much respect, it's hard to believe someone would single out and take advantage of an elderly person who served our country. It's happening.

A friend recently shared the story of an 85-year-old woman who lives in a Boise-area assisted living facility. The woman paid $2000 to an insurance agent who promised to help her understand her VA benefits. Fortunately, the woman was refunded all but $500 after her friend discovered what was happening and stepped in to help.

In researching the story, I spoke to a VA representative who is working with a family who paid $800 through an online program promising to help connect people to their VA benefits.

While it's probably not illegal (we'll dive into these muddy waters below), the above cases are unethical considering the woman and family could have learned about and received help for free.

“Helping a veteran understand their benefits is a service we're happy to do,” said David Brasuell, administrator of the Idaho Division of Veterans Services. “My service officers go out to assisted living facilities, set up appointments and brief residents and social workers on VA benefits all the time.” They also work with people one-on-one. All it takes is a phone call.

Brasuell says he bristles when he hears about these cases and sees advertisements for attorneys and marketing firms offering to help seniors understand VA benefits for a fee. He says: “Some attorney's and insurance people say, 'You may qualify for benefits, and I can help you wade through the bureaucracy.' Well, our people have the most up-to-date training and offer the assistance for free.” Brasuell points out that state service officers are trained and accredited by the VA to assist veterans with claims. The officers maintain that accreditation by going through yearly training and routine testing.

Now the fine line of what's legal – and the resulting muddy waters. According to the VA, it's illegal to charge a person to help them apply for VA benefits. That leaves the door open to charging a veteran or widow under the auspices of an office visit or estate planning.

The idea of charging people to find something that is readily available for free is a mini-cottage industry. Firms charge students to find scholarships and companies charge businesses for labor law posters. Just because it's legal, doesn't make it right.

Folks at the VA have another reminder for those considering the use of outside help in applying for benefits: People who are approved for VA pensions have to complete and submit yearly updates. If they don’t complete the yearly updates, their pension will be terminated.

If you are a veteran or know someone who is, visit the Idaho State Office of Veteran's Advocacy – co-located in the Federal VA Regional Office, 444 Fort Street. Service officers are also stationed at veterans facilities throughout Idaho. Call 577-2300 to set up an appointment with a service office to file a claim or learn about benefits.

BBB Warns of Online Scams in the Wake of Osama’s Death

5/5/2011

Posted on 5/5/2011 by
Arlington, VA – In the aftermath of the death of Osama bin Laden this past weekend, Better Business Bureau is warning consumers to watch out for a slew of cyber-scams that have popped up in the past few days.

According to Kaspersky Labs, an Internet security firm, malicious websites and links have been proliferating on Google Images searches, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which could infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers and businesses should also be very wary of scams similar to the Nigerian Letter Scam circling around Osama’s death. Although each letter may contain a slightly different appeal, BBB is reporting that the latest letter has stated a "soldier" asking for assistance in transferring millions of dollars of excess money to a trustworthy U.S. citizen. To participate in the deal, the person must contact the soldier to solidify the partnership and arrange pickup of the millions.

Usually with this type of scam the victim is asked to provide their bank account number and the name, address, phone and fax numbers of their bank. Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.

BBB advises consumers to do the following if they feel they have fallen victim to a cyber-scam:

Think before you click. Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

Don’t fall for the not-so-free “free” offer. Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or website you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

Spread the word. Discuss such scams with all the members of your family who have access to the Internet. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Know the red flags. Watch out for grammatical mistakes in emails, letters and on websites. Poor grammar or misspelled words are red flags that the email or website is probably a scam. Most importantly, never wire money based on instructions. Scammers prey on those who think they need to wire money to have a situation resolved.

Check with BBB. BBB advises anyone receiving such a letter not to respond. Instead, send the letter to your local BBB or to the U.S. Secret Service, which is currently investigating the scam.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit www.bbb.org.
Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Leasing an Office Space That Works for You

5/3/2011

Posted on 5/3/2011 by
If your business is starting to take up more room than your home office has to give, it’s time to think about moving your business out of your house. Taking the leap and leasing a commercial office space can be a frightening prospect. But if you ask the right questions and take the time to do your research, you’ll avoid the common pitfalls.

“Choosing the work environment that’s right for you makes all the difference when it comes to your overall productivity,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “An efficient work space allows for an overall efficient work ethic.”

BBB recommends considering the following when choosing a leasing space that’s right for your business:

What are your needs? Before you start your search, spend some time thinking about what you need in an office space. Don’t just consider how many employees you currently have; seriously consider your company’s growth and estimate how many employees you’ll gain over the course of a lease. The general rule for allotting space is 175 to 250 square feet of usable area per person. Also consider the common areas such as break rooms, reception area, and conference rooms you and your employees will need.

Get professional help. Finding the right commercial office space isn’t as easy as finding residential property. Chances are you’ll need a realtor to navigate you through the process of finding that perfect office space. Before you select your realtor, check out their free BBB Business Review.

Location, Location, Location. The perfect location can often depend on what kind of business you run. If you regularly expect clients in your office you’ll need a convenient, safe, location. Where is the competition located?

Consider safety and accessibility—parking, public transportation—as well as the condition of the building and the neighborhood. Will your employees be able to easily get to work?

Go ahead, kick the tires. Take a long hard look at the office space and assess the condition of the building. Office space is typically broken down into three categories, Class A, B, and C dependent on the location, age, condition, and amenities with Class A being considered the highest quality. Ask the landlord about recent improvements and upgrades as well as the condition of the AC and heating units.

Also, discuss with your landlord how much remodeling needs to be done to the office space and determine who will foot the bill. You’ll need to consider the basics such as new carpet, fixtures, and fresh paint as well as major interior renovations such as constructing new walls.

Review the lease carefully. It’s time to get out the glasses because you need to make sure you read all of the fine print of your lease. If you need help deciphering the legalese of your lease, an attorney who specializes in lease agreements can help negotiate the terms. Don’t be shy about negotiating; this is a major investment and a big step for your company and you don’t want to get locked into a bad deal.

For more business tips you can trust, visit www.bbb.org.

BBB Travel Tips to Ensure a Safe and Timely Flight

5/3/2011

Posted on 5/3/2011 by
With summer just around the corner, many consumers are beginning to plan their vacation getaway. While dreaming of island sun, many travelers fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems into their travel plans. BBB, along with the U.S. Department of Transportation, are advising vacationers to plan ahead when traveling this summer to ensure safety and timeliness.

To avoid troubles in the sky, it’s important for travelers to be aware of their flight options,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “With the burden and chaos that can come from a delayed or cancelled flight, it’s important for travelers to plan ahead and know their options.”

The U.S. Department of Transportation (DOT) advises consumers to be proactive when it comes to planning a getaway trip. According to Bureau of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

BBB and the U.S. Department of Transportation advise travelers to do the following when booking and securing their flights this summer:

The early bird gets the flight. When booking your flight, remember that a departure early in the day is less likely to be delayed than a later flight, due in part to the “ripple” effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, compensation is required by law only when you are “bumped” from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations. For example, in all recent airline bankruptcies passengers who had charged their fare and were not provided service were able to have their credit card company credit their account for the amount of the fare.

For more travel tips, visit www.bbb.org/us/consumer-tips-travel.

BBB Advice on Choosing a Driving School That’s Right for You

5/3/2011

Posted on 5/3/2011 by
While a scary but exciting time, having your eagerly-awaiting teenager soon to be behind the wheel is one that comes with lots of necessary preparation. When choosing a driving school for your soon-to-be driver, Better Business Bureau urges both parents and students to make smart, informed decisions.

A driver education course is designed to teach new drivers fundamental skills and basic knowledge about driving a motor vehicle. However, in the last two years, BBB has received more than 700 complaints against driving instruction with complaints ranging from no shows to customer service and sales practices.

“Consumers need to do their research before choosing a driving school,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Parents and students alike should check with their state’s Department of Motor Vehicles to learn more about all of the necessary requirements and to verify the driving school instructor’s license status.”

BBB recommends the following when choosing a driving school in your area:

Check it out. For information on driving schools in your area, start your search at www.bbb.org for a free BBB Business Review that will help you make informed decisions.

Ask around. Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You must compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school. Ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind the wheel and classroom training. Do not assume that the fastest course is the way to go.

Check the details. Find out if the school has a policy on make-up classes and refunds. Know how to file a complaint against the school and check to see how the school resolves its complaints.

For more information you can trust, visit www.bbb.org.

BBB Warns of Phony Acai Berry Weight Loss Products

5/3/2011

Posted on 5/3/2011 by
Arlington, VA – In conjunction with the Federal Trade Commission’s (FTC) recent lawsuits on acai berry weight loss products, Better Business Bureau is warning consumers to be wary of phony “news” announcements of free trial offers for online diet pills.

According to the FTC, millions of consumers are being lured to websites that imitate those of reputable news organizations. The “reporters” on these sites have supposedly done independent evaluations of acai berry supplements, and claim that their products cause major weight loss in a short period of time with no diet or exercise. In reality the websites are deceptive advertisements placed by third-party or “affiliate” marketers. The websites are aimed at enticing consumers to buy the featured acai berry weight-loss products. These fake news operations are the subject of a nationwide law enforcement initiative.

Ubiquitous deceptive online ads for the acai berry weight loss products can be found posing to be from popular outlets like ABC, Fox News, CBS, CNN, USA Today and Consumer Reports. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals which has an F rating with BBB. According to the more than 2,800 complaints to the Central, Northern and Western Arizona BBB the company deceptively marketed acai berry supplements as weight-loss products, and “colon cleansers” along with a variety of refund and exchange issues.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Cox.

BBB offers additional advice on signing up for free trial offers. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

809, 284, 649 or 876 Area Code Scam

4/29/2011

Posted on 4/29/2011 by

The 809, 284, 649 or 876 area codes have been used in scams before but now this older scam is gaining popularity targeting cellphones. The goal of the scam is to make you return the call to the area code which appears to be a domestic number and incur high charges on your phone bill.

Since there are so many new area codes these days, the caller assumes the number is a typical three-digit U.S. area code; however, the caller is actually connected to a phone number outside the United States, often in Canada or the Caribbean, and charged expensive international call rates, often in the amount of $25 to $100 a minute.

In the past, scam artists left messages on consumers’ answering machines or in their email inboxes. The messages urged consumers to call a number with an “809,” “284,” “876,” or some other area code to collect a prize, get some information, find out about a sick relative, etc. In the most recent version the scenario may look like this:

Your phone rings and becomes a missed call within 2 rings. When you call back, you are inadvertently connected to a phone outside the US and are kept on it as long as possible to acquire high charges. You don’t find out about the higher international call rates until you receive your phone bill.

The BBB recommends that you only call back numbers that
you recognize or you can identify the area code.

For more information on this scam or to file a complaint please refer to the FCC web site at http://www.fcc.gov/cgb/consumerfacts/809.html

Beware of Door-to-Door Sales

4/27/2011

Posted on 4/27/2011 by

The BBB is reminding residents that springtime and early summer brings out the neighborhood Door Knockers. Sales groups will be blitzing neighborhoods, selling anything from magazines to home cleaning supplies.

One of the more worrisome Door Knockers in recent years has been those traveling through the area, selling Home Alarm System equipment and monitoring. In years past the BBB has received reports of “high pressure and fear selling practices.” These Home Alarm System salesmen were citing false police reports of recent burglaries that had not happened. Some home owners were mislead into signing a contract for a new system, before canceling the contract on their existing system, resulting in their having to pay for two different alarm systems at the same time.

The BBB is advising residents, when someone visits your property trying to sell you a product or service:

1.) You do not have to let them into your home.

2.) If you are not interested, say “good bye” and shut the door.”

3.) Individuals should provide credentials and identification.

4.) They should be able to display proof of a city-issued solicitation license.

5.) Ask if the company is local, regional, or national!

6.) Do not be pressured into signing a contract — if the deal is good today it will be good tomorrow.

7.) Be sure to completely read and understand any contract before signing, and remember your FTC, “right to cancel” a contract within 72 hours since it is signed at your home.

8.) Check with the Better Business Bureau for company information and Review.

CPSC’s New Publicly Available Consumer Product Safety Information Database

4/26/2011

Posted on 4/26/2011 by
The U.S. Consumer Product Safety Commission (CPSC) is the leading federal agency charged with ensuring the safety of consumer products. We protect families from risks of injury, death, fires and property damage from thousands of types of consumer products, including items that many of you use every day, such as computers, kitchen appliances, power tools, and air conditioners.

From the first day I took over as Chairman of CPSC, I have been committed to making the agency more open to the public and to families. Just a few weeks ago, we launched our biggest open government project to date. CPSC has unveiled a new publicly searchable database of incident reports that we receive about the use of consumer products.

The database is posted on the website SaferProducts.gov, and it makes available online for the first time the product safety reports we receive from consumers, public safety entities, medical professionals, and child care providers.

We would like to show you how the database can be used to report a hazard relating to the use of a consumer product. You can also use the database to search for incident reports and recall information on merchandise that you own already or may be thinking of purchasing.

Knowing how to use SaferProducts.gov will help you to avoid purchasing potentially hazardous or recalled products, to access important safety information, and become connected to the CPSC.

We urge the BBB community to click on this link to watch a video demonstration of the process for reporting an incident to CPSC. Please share this message with friends and family who you think would be interested. We hope you’ll connect with us on Twitter @OnSafety and through our blog, which aims to answer your questions.

Under the Consumer Product Safety Improvement Act (CPSIA), each report that CPSC receives about a hazardous product is transmitted directly to the product’s manufacturer or private labeler within five business days, as long as the report meets minimum standards. The manufacturer then has ten business days to add a comment, if they choose to, before the report is published in the database. Manufacturers may also claim that the report contains confidential or materially inaccurate information.

Because of these tight timelines, it is important that CPSC be able to reach manufacturers quickly in the event that we receive a report about their product. To that end, it is critical that all manufacturers and private labelers register with SaferProducts.gov so we can communicate with them quickly.

We urge all BBB accredited businesses who represent manufacturers or private labelers to click here to register their companies with the database, and to click here to watch a short video tutorial demonstrating how to register.

We are grateful for the involvement of BBB in our new consumer database, and we look forward to our continued partnership to keep customers and employees safe and to increase trust and integrity in the marketplace.

All That Glitters: Investing in Gold - Make Sure Gold is the Right Investment for You Before Investing

4/13/2011

Posted on 4/13/2011 by

Uncertainty in the financial markets has brought increased attention to investments in gold, said Gavin Gee, director of the Idaho Department of Finance. Gee warns, “Because the price of gold often goes up when stocks are down or volatile, gold can be a very tempting investment. But before investors jump onto the gold bandwagon, they should educate themselves about the various ways investors can own gold and learn the risks of each.”

Investors can invest in actual gold, gold-related market investments (i.e. mutual funds and exchange-traded funds), futures and gold mining companies. Each has advantages and disadvantages worth knowing:

· Although several mutual funds have gold in their names, you will not find any with more than 10 percent of assets invested in the metal itself. That is because mutual funds by law must earn 90 percent of their income from securities, and gold is a commodity, not a security.

· Purchasing stock in a gold mining company is more volatile than purchasing physical gold because of the risks associated in discovering and mining the metal. Also be aware of “shell” mining companies, in which a company represents that it is in the gold mining industry when actually it exists solely to raise investor funds for other (sometimes fraudulent) purposes.

· When buying an exchange-traded product (ETF), an investor purchases a share in a trust, and the share represents ownership in physical bars of gold. Watch for hidden costs that dilute the holder’s interest in gold. Investors in a gold ETF may also be subject to higher rates of taxation than other types of mutual funds, so they should review the prospectus and consult with a tax accountant on this issue.

· “Gold-indexed CDs” differ from traditional CDs because they are tied to the price of gold. While investors may share in the rising value of gold, if the commodity decreases in value, the investor usually gets only the principal back. Also, the interest rate may vary significantly from that of a regular fixed-rate CD and have its own set of rules for when the investor can sell the CD prior to the maturity date.

· Individual Retirement Accounts (IRAs) make it possible for investors to buy gold with funds they already have. Gold must be insured and physically shipped before going into storage. Metal must be physically stored through an approved depository, meaning investors cannot keep coins in a closet.

· Gold investing also generates its share of scams. A common scheme is a company that sells gold to or purchases gold for an investor, stores the investor’s gold in the company’s “secure” vault, and later promises to sell the gold for the investor as it gains in value. In some instances, the gold never exists.

For more information about commodity investing, visit the Department’s website: http://finance.idaho.gov.

April is Financial Literacy Month. Department of Finance Press Releases and other information can be found on the Internet at http://finance.idaho.gov and may be obtained by contacting the department at (208) 332-8000 or Idaho toll-free at 1-888-346-3378.

Free Shredding Day - April 16, 2011

4/11/2011

Posted on 4/11/2011 by

Piles of receipts, a drawer-full of outdated statements and boxes of pre-approved credit card offers. Sound familiar? It’s time to grab all of that paper containing sensitive information about you and take it to the Better Business Bureau’s FREE shredding event. If you’ve reconciled the receipts with the statements and no longer need proof of purchase, the statements are older than the clothes in your closet and junk mail is knee high, it’s time to box or bag it and take it to the Idaho Transportation Department parking lot at 3311 West State Street, this Saturday, April 16, 10 a.m. to noon.

When you pull up, you’ll see the big, industrial shred trucks from Cintas and Western Records Destruction. Friendly volunteers will unload your vehicle and you can watch all that paper be reduced to tiny, indistinguishable shreds.

Bottom line: You can sit at home with a page-by-page shredder, feeding a sheet at a time – or you make the trip to Boise and dump three paper bags or boxes in a matter of moments. The BBB makes it easy to protect your identity.

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

4/5/2011

Posted on 4/5/2011 by

Consumers who owe money or are behind on their bills may be legitimately contacted by debt collectors to pay off debts. The BBB warns consumers, however, that phony debt collectors are lurking. In a recent release of the top complaints reported to the Better Business Bureau, collection agencies ranked 5th in number of complaints received. With more than 15,000 complaints, consumers need to be aware of the best practices for when it comes to handling debt collectors.

Debt collectors seek to reclaim funds on past-due accounts on behalf of creditors, businesses or individuals. But, sometimes the "debt collector" calling turns out to be an identity thief who is trying to get you to divulge personal or financial information, such as your Social Security, bank and credit card numbers. Oftentimes, scammers will impersonate legitimate debt collectors to illegitimately obtain financial information. These fraudulent calls can be harassing and threatening.

Consumers need to know the red flags for fraudulent debt collectors. If the collector refuses to reveal the name of their agency or demands that the payments be made in cash or money transfer only, consumers need to report this immediately.

It’s important for consumers to verify the alleged debt before taking action. BBB recommends doing the following:

Request written proof. Get documentation to help determine if the callers are actually identity thieves or if a debt is actually owed. By law, a debt collection agency must provide a validation notice within five days of contacting you about the debt. Within 30 days of receiving their validation notice, send the debt collector a written request to further verify the debt details. Do not provide personal or financial information unless the validity of the debt and the debt collector has been confirmed.

Verify the legitimacy. Get the debt collector's name and contact information to research the agency further. Search on the Internet to see if they have a website or a BBB Business Review at www.bbb.org. Cross-check contact information and call them using a phone number from a public or online directory. Verify that the representative who called is affiliated with the agency.

Avoid phony calls. Be wary if the debt cannot be verified or if no documentation is received. Advise them to stop contacting you and register with the National Do Not Call Registry at www.DoNotCall.gov or 888-382-1222.

If you do not owe the alleged debt, BBB recommends doing the following:

Don't ignore the collector. It is best to respond immediately, even if you don't believe the debt is yours. Otherwise, the collector may continue contacting you or file a judgment.

Don't pay. Do not claim a debt that isn't yours or make a payment on a bill just to make the collector "go away." Even just one payment can indicate that you are accepting the full responsibility of the debt. The invalid debt could also reflect as a liability on your credit report.

Contest errors. If no debt is confirmed, contact any involved parties to clear up inaccuracies on your credit report, such as: the debt collector; the creditor or company claiming unresolved accounts; and the major credit bureaus. Write a detailed letter and include supporting documents to prove your case. The Federal Trade Commission provides additional resources for reporting errors.

Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft; an imposter may be using your identity to make purchases, open accounts and obtain credit. Review your credit report to quickly identify fraudulent activity or make corrections; visit www.annualcreditreport.com for a free yearly credit report and get FTC advice for Resolving Specific Identity Theft Problems relating to debt collectors.

BBB recommends doing the following for debt you do owe:

Know your responsibilities. It is not against the law for a debt collector or creditor to contact you regarding unpaid debts. Try working with them to resolve issues. Discuss doing payment plan and request obligations in writing.

Complain about abusive practices. Report harassment, threats and other violations of federal telemarketing laws to the FTC. File a BBB complaint if you believe a debt collector is acting unethically. Also, research state laws on debt collectors, which may vary.

Stop collector calls. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. Write a letter stating not to contact you anymore. Save a copy of the letter then send the original via certified mail and request a return receipt. If a debt is owed, the collector or creditor can still take legal action to collect funds and may contact you to inform you of their action.

Seek help for debt. Try using BBB's free online program Managing Credit – Made Simpler.

Know your rights. Review the federal Fair Debt Collection Practices Act (FDCPA), which sets standards for collection agencies and prohibits abusive tactics. The FDCPA is enforced by the FTC and violations should be reported. Debt collectors:

May not make false or deceptive claims.
Are not allowed to make idle threats, express or implied, or use abusive or profane language.
Should not discuss consumers' accounts with unauthorized third parties.
May not inaccurately report credit information and pressure consumers to pay debts they do not owe.
Must investigate the validity of a dispute over a debt.

Report Scams: Debt collection victims can file complaints with the:

Better Business Bureau
Federal Trade Commission.
Internet Crime Complaint Center, if contacted by internet or e-mail.
State Attorney General's Office and other local consumer affairs agencies.
American Collectors Association (ACA International) processes complaints on its member debt collectors; find out if the debt collection agency is a member.

For more information on debt collection, visit www.bbb.org/us/Consumer-Tips/.

BBB Urges Consumers to Make Smart Solar Energy Investments

4/5/2011

Posted on 4/5/2011 by

With warm weather approaching and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be wary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Steven A. Cox, President and CEO of the Council of Better Business Bureaus. “It pays to look beyond the lowest bid when selecting a contractor.”

BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50% on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org.

Choosing a credit card for your business

4/5/2011

Posted on 4/5/2011 by

If expense reports are piling up and you’re tired of hearing your employees complain about not getting reimbursements, it might be time to consider a business credit card. The Better Business Bureau offers advice to business owners on choosing the right credit card for your business.

According to a 2009 survey by the Board of Governors of the Federal Reserve System, 83 percent of small businesses used credit cards; 64 percent used small business cards, and 41 percent used personal cards.

It is easy to understand why small business credit cards represent a growing, competitive marketplace, and many banks and credit card companies are actively pursuing small business owners as a rich source of new partners and clients.

For small business owners, now is actually a good time to research how a business credit card can benefit operations, or to re-evaluate existing business credit card plans to take advantage of best rates and current offers in the marketplace.

“There are many ways that a business credit card can make life easier for an owner and their employees,” said Steven A. Cox, President and CEO of the Council of Better Business Bureaus. “It can build credit history for your company, provide you with short-term loans, offer discounts with vendors, and make expense reports a thing of the past.”

Basically, there are two options for business credit cards - small business and corporate credit cards. The decision on which option to choose is based in large part on the size of the business and who is responsible for the debt.

As the names imply, a corporate credit card is for large businesses and corporations and the burden of debt typically falls on the corporation. A business credit card is intended for smaller businesses with sole-proprietors and the burden of debt is on the owner. Unless the business is producing more than $2 million annually in gross income, a corporate credit card isn’t an option.

A business credit card is very similar to a personal credit card and carries a credit limit and minimum monthly payments. Business owners and any employee who will use the card will typically undergo a credit check.

BBB offers tips for choosing and implementing a new business credit card approach:

Do your research. Many banks and credit card companies are making various offers, with some attractive perks that may fit nicely with your business needs. But offers run the gamut, so be choosy. You’ll want to find out about offers from both your local banks and national credit card companies.

Don’t get burned by special offers. As noted, there are many offers and plans available for small business owners, but pay specific attention to business credit card plans with introductory offers for 0% APR. While this may be a good option for an immediate, high-end purchase to support your business, you need to find out what the conditions for the APR are – under what conditions will it rise, and what are your options if it does rise. Beware of getting stuck with a high APR after the introductory period.

Consider the rewards. Many cards will offer perks for both you and your employees including discounts with preferred vendors and airlines, as well as rewards points.

Lay the ground rules. Make sure your employees know exactly what can and cannot be charged on the credit card. Some cards will let you adjust the credit limit on individual employee cards, as well as limit where the cards can be used.

For additional tips on managing your business’s finances, go to www.bbb.org.

BBB Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren’t Their Own

4/5/2011

Posted on 4/5/2011 by

Protecting your identity is important and with Wi-Fi networks popping up nearly everywhere, many consumers don’t realize the dangers that come with using a Wi-Fi connection that is not their own. According to a recent poll conducted by Wakefield Research and Wi-Fi Alliance, 32 percent of respondents said they have tried to get on a Wi-Fi network that was not their own, a startling 18 percent more than a December 2008 poll. The Better Business Bureau, along with the Federal Trade Commission (FTC), urges consumers to think ahead before surfing the Web on a Wi-Fi hotspot.

Wi-Fi hotpots like coffee shops, libraries, airports, hotels and universities are all breeding grounds for hackers. According to the FTC, new hacking tools—available for free online—make hacking easy, even for users with limited technical know-how.

Consumers should be cautious before using a non-secure wireless network and before sending personal information via unencrypted websites. When surfing on a non-secure Internet connection, an individual’s personal information, private documents, contacts, photos and even login information can be up for grabs as other users on the network have the capability of seeing what is being sent.

Steve Cox, President and CEO of the Council of Better Business Bureaus, warns consumers against two popular security scams that can be associated with using an unsecure Internet connection. “Many consumers don’t realize the repercussions that come from using a Wi-Fi hotspot. Phishing, a popular e-mailing scam, and smishing, a SMS texting scam, grow exponentially when hackers obtain access to personal information on the Web via an unsecure Wi-Fi network.” BBB urges consumers to protect themselves from such scams by securing their Internet surfing.

In order to confirm that an Internet connection is secure, BBB advises consumers to follow the FTC’s top Wi-Fi tips:

• Make sure the connection is protected by a unique password. If a Wi-Fi hotspot doesn’t ask for a password, the Internet connection is not secure. If a hotspot asks for a password just to grant access, consumers should proceed as if the connection were unsecured. Only trust home and work internet connections that are protected by a customized user password. Wi-Fi hotspot connections with generic passwords are vulnerable to hackers.

• Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

• Don’t stay permanently logged-in to wireless hotspots. Never leave your Internet connection running while your computer is unattended and make sure to log-off after every use.

• Change your passwords frequently. When creating new accounts, make sure you use different passwords. Do not use the same password for different sites. If one password is hacked, the chances of other accounts being hacked becomes greater with repeated passwords.

For more advice on security scams, visit www.bbb.org or to learn more about protecting your privacy online and what to do if your information is compromised, visit www.OnGuardOnline.gov and http://www.ftc.gov/opa/2011/02/wireless.shtm.

BBB Warns Against Online Ads for E-Cigarettes

4/5/2011

Posted on 4/5/2011 by

The Better Business Bureau is warning consumers to be wary of free trial offers for e-cigarettes. Sounds like an unusual product to buy, however, over the past twelve months, BBB has received hundreds of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

Ubiquitous deceptive online websites for said “free trials” are even falsely attributing news stations like ABC and CBS to the promotion of their products.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. More than 40 of those complaints came from Missouri and Illinois, including several from the St. Louis area. According to the BBB of E. Missouri & S. Illinois, in response to some of the complaints, Direct E-Cig told the BBB that its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy, while some have even reported paying $4.95 for the trial offer only to be billed more than $100 unknowingly.

Another scam to note is Smoke Freely, LLC, which has an F rating with BBB. According to the more than 300 complaints to the BBB serving Central, Northern and Western Arizona, the company lures in its customers by claiming that they will receive a free trial of smokeless cigarettes just by paying the shipping and handling costs. However, consumer complainants say that after agreeing to pay the $9.95 shipping and handling costs, they were repeatedly charged $149.90 along with a variety of other miscellaneous charges. Complainants report getting the runaround from the company when they request refunds or ask to stop being billed; one consumer claims to have lost more than $640 as a result of recurring charges.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Cox.

BBB, along with the Federal Trade Commission, suggest you ask the
following questions before signing up for a free trial:

• Is the free trial offer related to a membership, subscription or extended service contract?
• Do I have to contact the company to avoid receiving more merchandise or services?
• Who do I contact to cancel?
• Will I receive other products with the free item? If so, will I have to pay for them or send them back if I do not want them? How long do I have to decide before incurring a charge?
• Is there a membership fee? If so, is it refundable?
• Will you automatically bill my credit card for anything?
• Who is offering the trial – you or another company? What is the name and address of the company?

Additional advice on signing up for free trial offers is available at www.bbb.org/us/article/free-trial-offers--are-they-good-deals-425. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB at www.bbb.org.

BBB Warns Against Online Ads for E-Cigarettes

4/5/2011

Posted on 4/5/2011 by

Ubiquitous deceptive online websites for said “free trials” are even falsely attributing news stations like ABC and CBS to the promotion of their products.

BBB Warns Against Online Ads for E-Cigarettes

4/5/2011

Posted on 4/5/2011 by

Ubiquitous deceptive online websites for said “free trials” are even falsely attributing news stations like ABC and CBS to the promotion of their products.

Massive Data Breach May Result in Fraudulent Emails

4/4/2011

Posted on 4/4/2011 by

In what may be one of the largest data breaches in U.S. history, several names and email addresses have been obtained by a hacker who infiltrated online marketer, Epsilon.

Many companies do business with Epsilon including Walgreens, Tivo, Inc, HSN Inc and several of the nation’s largest banks. Customers of these companies were recently contacted and notified of the breach.

According to many of these notifications, no personal financial information was revealed or compromised. But the Better Business Bureau warns that if your email address has been stolen, you may be the target of phishing emails that try to get such information.

With such a large number of consumers affected in this data breach and the fact that financial information doesn’t appear to have been exposed, a significant increase in phishing emails should be expected. Be very cautious of emails you receive from any company or bank that asks for information or contains links. If you’re not sure of its legitimacy, contact the company directly.

The BBB also advises consumers to be cautious of strange emails that appear to be from family and friends. This is another way that email addresses are used fraudulently. Cybercriminals know that you are more likely to click on a link or give information via email to someone you know and trust.

It is also an important time to update all areas of your computer’s security. This will help prevent fraudulent emails from landing in your inbox in the first place and help prevent hackers from infiltrating your system.

If you become a victim of a phishing scam, file a complaint with the Internet Crime Complaint Center: www.ic3.gov / 800 251-3221.

Washington E-commerce Company May Owe You Money

3/31/2011

Posted on 3/31/2011 by

Small businesses nationwide are eligible for refunds stemming from Washington Attorney General’s lawsuit

SEATTLE – You may be owed money if you paid a Washington-based company that sold search-engine optimization, shopping cart integration and Web design and hosting services. The Washington Attorney General’s Office says small businesses nationwide are potentially eligible for refunds as a result of a consumer protection settlement with a group of defendants who used multiple business names since 2005.

But the state doesn’t have a way to directly contact those potentially eligible. The defendants claim to have lost the contact information for former customers.

Instead, the state is asking eligible businesses to file a consumer complaint on the Washington Attorney General’s Web site at http://www.atg.wa.gov/FileAComplaint.aspx and request a refund.

You may be eligible for a refund if you bought services from any of these companies and can provide proof of payment:

·       White Crane Technologies
·       TNT Cart
·       Strada Technologies
·       Cybercom Technologies
·       Wizy-Wiz eCommerce
·       ABC eCommerce

Refunds are only available to those whose complaints concern issues prior to Dec. 3, 2010. Businesses or individuals who already submitted complaints to the Attorney General’s Office do not have to submit new documentation, unless requested. Refund requests will be accepted for a year – up until March 29, 2012. Payments will be mailed after that date.

The companies were operated by Jeremy Avey, Alexander Martin and Brent Stanphill. The attorney general’s suit accused the defendants of making misrepresentations about the quality of their services, neglecting to deliver services as promised, providing poor customer service, not honoring money-back guarantees and making unauthorized charges to consumers’ debit and credit accounts. The defendants were also accused of failing to register as commercial phone solicitors.

Avey, Martin and Stanphill can still do business -- as long as they don't break any laws.

Instructions for submitting a restitution request can be found at www.atg.wa.gov/settlements.aspx.

Information about the case and legal documents can be found online here.

Work-At-Home Business Promoter Agrees To Change its Business Practices

3/31/2011

Posted on 3/31/2011 by

Accelerated Mentoring, LLC, a Boise company that sells services to assist consumers in operating their own Internet-based businesses, has entered a legal settlement that requires the company to change its business practices, Attorney General Lawrence Wasden said today. The company, previously known as Internet Sales Institute, LLC, sells Internet-based training, software, and personal coaching to help consumers establish e-commerce businesses. The settlement terms apply to future business activities of Accelerated Mentoring and its owner, Clancy Yohman of Boise.

The settlement resolves complaints that Accelerated Mentoring made false claims about the amount of money consumers could earn from investing 10 to 15 hours a week in an online business. Consumers paid Accelerated Mentoring between $1,200 and $17,500 to learn how to operate work-at-home businesses. The Attorney General’s Office received 17 consumer complaints about Accelerated Marketing.

Accelerated Mentoring engaged in telephone solicitations without first registering with the Attorney General’s Office, as required by Idaho law. Wasden said the company is now registered as a telemarketer, as required by the settlement agreement.

The settlement agreement prohibits Accelerated Mentoring from telling consumers that they will earn a specific amount of money if they buy products from the company and requires the company to maintain a privacy policy for customer information.

Under the settlement, Accelerated Mentoring must disclose the material terms of a customer’s purchase, comply with all aspects of the Idaho Telephone Solicitations Act, including the federal Do Not Call law, and answer complaints from the Attorney General. In addition, the agreement prohibits Accelerated Marketing from collecting on any outstanding debts for purchases made while it was not registered with the Attorney General. The company also must allow its customers at least three days from receipt of their written contracts to cancel their purchases.

Accelerated Mentoring paid the Attorney General $10,000 in legal fees and investigative expenses. The company did not admit any wrongdoing.

BBB Warns: Mystery Shopping Scam Uses BBB Name

3/31/2011

Posted on 3/31/2011 by

Scam artists are using the Better Business Bureau’s good name in a Mystery Shopping Scam. BBB Evaluation Inc promises to pay $50 to $100 an hour. The email states “your urgent response needed ASAP.” An excerpt from the email, which has several grammatical and spelling mistakes, is below:

From: BBB Evaluation Inc. <jobs@nankankaki.co.jp>
Subject: Re: Your Urgent Response Needed ASAP®

Hello,

Yes, it's true you really can make money shopping!

You can become a mystery shopper and make anywhere from $50- $100 an hour. You are probably not going to get rich mystery shopping, but in time you can earn some extra money.

We are a company that conduct surveys and evaluate other companies. We get hired to go to other peoples companies and act like customers in order to know how the staffs are handling their services in relation to their customers. Once we have a contract to do you would be directed to the company or outlet and you would be given the funds you need to do the job (either purchase things or require services) after which you would write a comment on the staffs activities and give a detailed record of your experience.

Fraudulent mystery shopping promoters often use emails, like this one, and newspaper ads to entice people into “easy money.” Solicitations often promote a website where consumers can “register” to become mystery shoppers – after they pay a fee for information about a certification program, a directory of mystery shopping companies, or a guarantee of a mystery shopping job. In other mystery shopping scams, the scam artist sends the “mystery shopper” a check to cash. The shopper is told to use part of the money to buy the merchandise or service, and wire the rest of the money back to “employer.” Later, the shopper finds out the check was fake and he/she owes the bank the money.

Consumers should be skeptical of mystery shopping promoters who:

Advertise for mystery shoppers in a newspaper’s ‘help wanted’ section or by email.
Sell “certification.” Companies that use mystery shoppers generally do not require certification.
"Guarantee" a job as a mystery shopper.
Charge a fee for access to mystery shopping jobs.
Sell directories of companies that provide mystery shoppers.

The fact is, a list of companies that hire mystery shoppers is available for free; and legitimate mystery shopper jobs are on the Internet for free. Here’s how you can become a mystery shopper:

Search the Internet for mystery shopping companies that are accepting applications. Legitimate companies don’t charge an application fee. Many accept applications online.
Do some homework about mystery shopping. Check libraries or bookstores for tips on how to find companies hiring mystery shoppers, as well as how to do the job effectively.
Visit the Mystery Shopping Providers Association (MSPA) website at www.mysteryshop.org for information on how to register to be a mystery shopper with a MSPA-member company, a database of available jobs, and additional information on the industry in general.

If you think you have encountered a mystery shopping scam, file a complaint with the Better Business Bureau, your State Attorney General, or the FTC (ftc.gov).

For more consumer tips go to www.bbb.org or call 208-342-4649.

Direct E-Cig 'Free' Offer For Smokeless Cigarettes Turned Into A Real Drag, Consumers Tell BBB

3/30/2011

Posted on 3/30/2011 by
Consumers who tried to take advantage of “free” Internet offers for smokeless cigarettes say they were burned by unexpected charges that totaled $100 or more, the Better Business Bureau (BBB) warns.

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. At least five of those complaints came from Idaho.

Direct E-Cig has an “F” grade with the BBB, the lowest grade possible.
Direct E-Cig failed to answer 170 of the complaints.

The complaints point to a significant and ongoing pattern of problems with Direct E-Cig. In most cases, consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more. The cigarettes may be smokeless, but there is no question that a lot of customers felt they were watching their hard-earned dollars go up in smoke.

On its website, Direct E-Cig calls its product “a revolutionary electronic smoking device designed as a great smoking alternative to traditional tobacco cigarettes.” The site says smokers can smoke “virtually anywhere, without the flame, ash, tar or carbon monoxide.”

Direct E-Cig is among several distributors of smokeless cigarettes. Other companies also offer free or discounted starter kits and then bill customers for the full price or enroll them in an ongoing program to receive cartridge refills and other products.

In response to some of the complaints, Direct E-Cig told the BBB its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy.

Even if consumers are dissatisfied with the product and follow the return policy exactly, it appears that the so-called free trial offer will end up costing them money. The website notes that Direct E-Cig charges $7.50 for each opened or missing cartridge and a $10 restocking fee on all returns.

The highest number of complaints about Direct E-Cig have come from Texas (28 complaints), California (27), Illinois and Florida (26 each), New York (24) and Ohio (23).

A warning in small print on the Direct E-Cig website notes that “This product contains nicotine, a highly addictive substance. It has not been approved by the FDA as a smoke cessation device.”

The U.S. Food and Drug Administration has warned consumers about potential health risks associated with electronic cigarettes. The FDA has said the products can increase nicotine addiction among young people and may lead them to try other tobacco products including conventional cigarettes.

The BBB offers the following advice for consumers who are considering taking advantage of free or low-cost trial offers for smokeless cigarettes or other products:

Be very cautious of committing to trial offers, especially when you are asked to supply credit card information. Often, these offers require you to pay the full price for the product or automatically enroll you in an ongoing program as soon as the trial period is over.
Consumers often report difficulty canceling their agreements, even if they try to follow all requirements.
Understand that, in some cases, these companies can supply your contact information to other businesses.
Check out BBB Business Reviews by going to www.bbb.org or by calling 208-342-4649.

Beware of Calls from Grandkids in Distress - They Could be Impostors!

3/28/2011

Posted on 3/28/2011 by

“Hi Grandma. I’m in Canada and I’m in trouble. I need $2,500 so I can come home. Can you wire me the money? And please don’t tell Mom and Dad.”

Sound familiar? If you’re a grandparent, you may have received one of these calls or know someone who has. Although the script changes with the times, the basic premise – relative/friend, foreign country, in trouble, wire money – stays the same.

If there is a difference, it’s in the sophistication of the setup. One grandmother received such a call purportedly from her grandson serving in Afghanistan. She raced to her bank and withdrew funds and was about to wire the money when she was intercepted by her daughter who told her to stop what she was doing until she could check with her son to see if indeed he was in trouble.

“He was fine,” she said. “He didn’t call his grandmother.” But, she wonders, how did the scam artist know he was in Afghanistan? And who his grandmother was? Though the answer is unknown, some experts suspect the information is sometimes gleaned from social media sites.

But grandparent scams work because, let’s face it, we don’t want to see our loved ones in trouble.

This impostor scam also shows up on Facebook and other social network sites. In these instances, accounts are hacked and urgent pleas requesting money be wired to a foreign location where the account-holder is supposedly in dire straits are sent to all friends associated with the account.

Scams by impostors are the sixth most common scams reported in nationwide, according to the Federal Trade Commission’s 2011 Consumer Sentinel Network Report.

To prevent becoming another statistic, the BBB in partnership with the FTC advises:

• Try to verify the caller’s identity by asking personal questions a stranger couldn’t answer.

• Resist the pressure to act immediately; don’t be afraid to call back by using a phone number you know to be genuine. If you don’t have the relative’s phone number, get in touch with the person’s parent, spouse or another close relative to check out the story before sending money – even if you’ve been told to keep the call a secret.

• No matter how dramatic the story, don’t wire money. Don’t send a check or money order by overnight delivery or courier, either. Con artists recommend these services so they can get your money before you realize you've been cheated. And there’s no way to get your money back.

• Report possible fraud at ftc.gov or by calling 1-877-FTC-HELP.

Complaints to Better Business Bureau Up Ten Percent Nationwide

3/25/2011

Posted on 3/25/2011 by
Arlington, VA – According to an annual report released today by Better Business Bureau, consumers filed 1.1 million complaints against North American businesses in 2010, reflecting a ten percent increase over the previous year. Consumers also turned to the non-profit more than 87 million times for help researching businesses across North America, a whopping 37 percent more than in 2009.

“The complaints filed with BBB are not only a barometer of customer satisfaction, but the rise in complaints also shows that consumers are increasingly relying on BBB for assistance in resolving disputes with businesses,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus.

The cable and satellite TV industry received the largest number of complaints with 30,985, a 5 percent decrease over last year. The cell phone industry ranked second with 27,293 complaints, but saw a 29.6 percent decrease over 2009. Rounding out the top three, new car auto dealers received 24,698 complaints, an 8.1 percent decrease over the previous year.

While the cable and satellite TV industry, cell phone industry and new car dealers received a high volume of complaints, the BBB report shows that they also have a higher rate of resolution with consumers than the average rate (78 percent) across all industries in 2010. Cable and satellite TV resolved 98.6 percent of complaints, a slight increase from 2009; the cell phone industry resolved 92.1 percent; while new car dealer companies resolved 87.4 percent of all complaints.

“Industries that do a large volume of business are naturally going to have a larger number of complaints. This is why it’s important to look at how a company responded when BBB approached them with consumer complaints, and not just the sheer number of complaints,” added Cox.

The report also reveals that the 3 million BBB Business Reviews are increasingly popular as a free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating and complaint history—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

“The services and tools that BBB supplies free of charge at bbb.org are now of more value than ever before to consumers,” added Cox. “Given the current economic climate, consumers need to be more cautious on where and how they spend their money and a fast, easy way to do this is to ensure businesses are accredited by BBB and have a good BBB rating before doing business with them.”

Following are the top 10 industries by volume of consumer complaints filed across North America with BBB in 2010:

Industry	Total Complaints	Rank by number of complaints¹	Percentage increase over 2009	Percentage of Resolved Complaints²
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phone Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers - New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

¹ Complaint rank is out 4,483 industries categories
² Average resolution rate across all industries for 2010 was 78 percent

For a complete industry breakdown of all complaints filed with the BBB in 2010 go to www.us.bbb.org/statistics. To learn more about BBB dispute resolution services and BBB Business Reviews, contact Kelsey Owen at 703-247-9376.

About BBB
BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Business Reviews and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than three million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

BBB Warns: Don’t Fall for Gimmicks Involving Gas Saving Devices

3/23/2011

Posted on 3/23/2011 by

As gas prices continue to climb, some businesses are seeking opportunities to make money off of commuters by selling fuel boosting additives or offering engine modifications to help them conserve fuel. However, BBB advises consumers to stay away from these “gas saving” products and services, that sound “too-good-to-be true.”

Over the past decade, the EPA has tested more than 100 gas-saving devices and hasn’t identified any that significantly improve gas mileage and some could eventually cause engine damage.

Consumers are being inundated with ads and emails that offer better fuel efficiency. One such ad came to a Better Business Bureau employee.

BBB recommends being particularly skeptical if advertisements claim:

Federal Endorsement. While the EPA does evaluate the legitimacy of claims made by companies that produce gas savers, no federal agency actually endorses gas-saving devices or additives.
Glowing Consumer Testimonials. Marketing materials or Web sites for gas savers often contain consumer testimony on the increased fuel efficiency they experienced with the device or additive, but these are often works of fiction devised by the company.
Outstanding, Too-Good-To-Be-True Results. Consumers should be extremely wary of big promises for big savings. If a gas-saving product really could increase mileage by as much as 40 percent with little effort or money, it is highly unlikely the inventor needs to peddle the product through spam e-mails or tacky-looking Web sites.

The vast majority of gas-conserving products are not viable solutions for squeezing mileage out of vehicles, but here are some tips drivers can take to increase fuel efficiency and get the most out of their gas tank:

Stay within the speed limit. Gas mileage tends to decrease rapidly at speeds above 60 miles per hour.
Avoid “jackrabbit” starts and stops. Drivers can improve gas mileage around town if they avoid jerky starts and stops. This means accelerating slowly when starting from a dead stop and avoiding pushing the pedal down more than one-quarter of the way.
Air Conditioning or Windows? Using the air conditioner at lower speeds will decrease fuel efficiency, but, at higher speeds, open windows create significantly more drag than the AC – and can reduce gas mileage.
Remove excess weight from the trunk. An extra 100 pounds can reduce a typical car’s fuel economy by up to two percent.
Keep the car properly maintained. The engine should be tuned, tires inflated and aligned, the oil changed on schedule and the air filters should be checked and replaced regularly.

Before buying any gas-saving device or additive, BBB recommends that consumers check out the company’s reliability report free-of-charge online at www.bbb.org.

For more money-saving advice from BBB for consumers, go to www.bbb.org or call 1-800-388-2222.

BBB and AGC Warn of Fake Membership Apps

3/22/2011

Posted on 3/22/2011 by

The Better Business Bureau and Idaho Associated General Contractors (AGC) are warning businesses not to respond to a fax that appears to be from AGC.

“At first glance, the fax looks like dues invoice for AGC,” said BBB President/CEO Dale Dixon. “A closer look reveals the fax is actually from American General Construction Association and is an associate membership application.”

An internet search for the fake AGC turns up little information – except for a number of organizations throughout the U.S. issuing similar warnings.

“Bottom line: the AGC fax arriving at many businesses throughout Idaho is a fake and should be thrown away,” Dixon said.

The legitimate Idaho AGC mails dues invoices. Those paying the invoice are encouraged to call 208-472-0459 to verify authenticity of the invoice.

The scam artists behind the AGC scheme rely on inefficiencies within the targeted business: sloppy bookkeeping, inattention on the part of employees, and perhaps most importantly, the failure of one arm of a business to know what the other arm is doing.

The BBB encourages business owners and managers to have a discussion with all employees to be on the look-out for fake invoices. Red flags include look-alike and sound-alike names and lack of detail or vague explanations.

The BBB offers the following advice:

1. Never place an order via fax, phone or email unless you initiate the contact.

2. Use http://snake-river.bbb.org/Find-Business-Reviews/ to research all organizations before making a purchase

3. Check your records to confirm claims of previous business dealings.

4. Before signing up for membership, make sure the organization exists.

5. Establish effective internal controls for the payment of invoices.

6. Channel all bills through one department.

7. Verify all invoices with the person who gave written or verbal authorization.

Marketing Green for Earth Day? What FTC’s Green Guides Mean for Your Business

3/18/2011

Posted on 3/18/2011 by
In the run-up to Earth Day, April 22, marketers who are only starting to examine green marketing strategies may want to make a careful review of the Federal Trade Commission’s proposed revisions to its Green Guides.

The CBBB’s National Advertising Division gives great weight to the Guides in evaluating whether environmental claims are adequately substantiated. Last revised in 1998, the revised Green Guides provide clarification of environmental claims and also include new sections for claims not previously addressed, such as claims about the use of renewable materials, renewable energy and carbon offsets. Here are some of the key revisions.

Marketers should not make unqualified general environmental benefit claims such as “green” or “eco-friendly”. According to the Guides, these claims are difficult, if not impossible, to substantiate.

Seals and Certifications are considered “endorsements.” This means that marketers may need to disclose any material connections with the certifier. Third-party certification does not eliminate a marketer’s obligation to have substantiation for its claims.

An unqualified claim that a product or package is biodegradable means that it will completely decompose is no more than one year after customary disposal. Marketers should not make unqualified degradable claims for items destined for landfills.

The Guides address claims of recyclability and introduce a three-tiered analysis for disclosing the limited availability of recycling programs.

Marketers making “renewable energy” claims should specify the source of the renewable energy. If a company sells Renewable Energy Certificates (RECs) for the renewable energy they generate, should not represent that they use renewable energy.

Marketers making “carbon offset” claims should disclose if the offset purchase funds emission reductions that will not occur for two years or longer.

The FTC has invited additional public comment on a number of issues, including a request for consumer perception evidence of how consumers interpret environmental claims when qualified by identifying a particular environmental attribute.

Companies also should be aware of how the Guides are applied by self-regulatory bodies such as the NAD. While it remains to be seen how aggressive FTC will be in its enforcement efforts, challenges to green marketing claims have been on the rise before NAD. In the past year, NAD has looked to the FTC Green Guides in addressing claims of biodegradability, renewable energy as well as general environmental benefit claims.

The Guides also remind advertisers that whether or not FTC has provided specific guidance on the use of terminology, advertisers are responsible to ensure that their claims – whether express or implied - are substantiated by competent and reliable scientific evidence. Advertisers should not lose sight of the fact that the truth and accuracy of green claims cannot typically be verified by consumers themselves. Accordingly the element of trust is essential for green marketers and brands to maintain credibility. While the FTC Guides provide a useful and important tool for marketers, it remains incumbent on companies to hold themselves and their industry to high standards of truth and accuracy.

Texas-Based Firms Using Ads to Sell Coins May Be Peddling ‘Fool’s Gold’

3/18/2011

Posted on 3/18/2011 by

Texas-Based Firms Using Ads to Sell Coins May Be Peddling ‘Fool’s Gold’

Consumers nationwide should be on the alert for advertisements from two Texas-based companies that are using newspapers to sell gold bullion coins “completely free of dealer mark-up,” Better Business Bureau (BBB) warns. The companies appear to be using the ads to entice consumers to buy more expensive “collector coins” at prices significantly higher than they could be bought elsewhere.

The companies are United States Rare Coin & Bullion Reserve and United States Coin and Gold Reserve, both with addresses in the same office building in Austin, Texas. Colt Verret is a former sales manager for United States Rare Coin & Bullion Reserve and is the current president of United States Coin and Gold Reserve, which also uses the name United States Gold Coin Exchange, LP.

United States Rare Coin & Bullion Reserve took out a full-page ad in the St. Louis Post-Dispatch in January and The Cincinnati Enquirer in February. United States Coin and Gold Reserve recently took out full-page ads in several additional newspapers, including the Post-Dispatch, the Belleville, Ill., News-Democrat and The Boston Globe. All of the ads have striking similarities including sections where the ad copy is identical.

Carrie A. Hurt, BBB president and CEO, says the advertisements invite consumers to call toll-free phone numbers to speak with company salesmen, called “gold advisors.”

“These seem to be typical bait-and-switch ads where the salespeople use the initial offer to convince callers to buy higher grade, so-called collector coins, at highly inflated prices,” Hurt explains. “There also is concern that these salesmen may be targeting senior citizens, some with little or no knowledge of the gold market.”

BBB is also concerned with the content of the companies’ advertising, which pictures the U.S. Capitol building and which could lead consumers to believe the companies have an affiliation with the U.S. government.

An investigator with BBB called the toll-free number listed on the Belleville advertisement and spoke with a salesman who identified himself as a senior investment advisor and senior gold advisor with United States Coin and Gold Reserve. He said that people are “fed up” with low interest rates offered by banks, and retirees are “looking for a better way to save money.” He said he works largely with retirees.

While the salesmen said he could sell some of the advertised coins, he recommended that between 85 and 90 percent of a gold investment portfolio be in what he called “congressional proof, extremely high-grade, collectible coins that tend to appreciate far better than bullion does.” He said the coins contain ¼ ounce of gold and could be purchased at a cost of $639 each, or $12,780 for a tray of 20 coins.

The price he quoted for the coins is markedly higher than the price they could be bought elsewhere, according to research conducted by an investigator with BBB. A longtime Texas-based coin dealer, Danny Hall, said his business would sell the same high-grade coins for approximately $398 each, or around $7,860 for a tray of 20 coins. A check of prices on the online site eBay shows the coins selling for between $335 and $420 each. Hall called the price being charged by the Austin coin company “inflated” at $639. He further emphasized these coins are not considered to be particularly collectible, but simply a purchase of gold.

BBB is currently working with United States Rare Coin & Bullion Reserve to confirm substantiation of the claims in their advertisements.

Consumer complaints received by BBB allege that they purchased coins from United States Rare Coin & Bullion Reserve, but the purchase amount was far more than the amount the coins were later appraised. The company generally responds by offering consumers the option to return the coins for a refund. Consumers have filed more than 40 complaints against United States Rare Coin & Bullion Reserve in the past 36 months.

Click here to view the current BBB Business Review on United States Rare Coin & Bullion Reserve and here to view the current BBB Business Review on United States Coin and Gold Reserve.

BBB offers the following tips to consumers looking to buy coins as investments:

· Research Gold-Buying Businesses in Advance.
Before buying anything, make sure you know the name of the company, its address and, preferably, the company’s top officials. Check out the company’s BBB Business Review at www.bbb.org for additional insight.

· Do Not Make An Immediate Decision.
Some sales representatives may push you to buy during their initial presentation, but do not buy anything until you have had an opportunity to compare their prices with prices offered by reputable coin dealers in your area, or through Internet auctions.

· Compare Prices Carefully.
When you compare prices, make sure you are comparing identical items. A vintage $5 gold coin, for instance, is usually worth more than a newer $5 gold coin. The value of coins minted the same year likely will vary depending on the condition.

About Better Business Bureau:

BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.

Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

Contact BBB serving Central, Coastal and Southwest Texas at (512) 445-4748.

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Charities Providing Japan Earthquake Relief

3/14/2011

Posted on 3/14/2011 by
The list below identifies national charities that are seeking to provide assistance in response to the earthquake in Haiti. This list only includes those charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization. Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

American Red Cross
AmeriCares
CARE USA
Catholic Relief Services
Church World Service
Direct Relief International
GlobalGiving
International Rescue Committee
Oxfam America
Save the Children
World Vision

If you are with a nationally soliciting charity that meets all of our standards and are providing assistance in Japan, please contact us at charities@council.bbb.org to be included on this list.

BBB & AGC Warn of Fake Membership Apps

3/11/2011

Posted on 3/11/2011 by

The Better Business Bureau and Idaho Associated General Contractors (AGC) are warning businesses not to respond to a fax that appears to be from AGC.

An internet search for the fake AGC turns up little information – except for a number of organizations throughout the U.S. issuing similar warnings.

“Bottom line: the AGC fax arriving at many businesses throughout Idaho is a fake and should be thrown away,” Dixon said.

The legitimate Idaho AGC mails dues invoices. Those paying the invoice are encouraged to call 208-472-0459 to verify authenticity of the invoice.

The BBB offers the following advice:

1. Never place an order via fax, phone or email unless you initiate the contact.

2. Use http://snake-river.bbb.org/Find-Business-Reviews/ to research all organizations before making a purchase

3. Check your records to confirm claims of previous business dealings.

4. Before signing up for membership, make sure the organization exists.

5. Establish effective internal controls for the payment of invoices.

6. Channel all bills through one department.

7. Verify all invoices with the person who gave written or verbal authorization.

Want To Help Earthquake Victims In Japan? Check BBB First

3/11/2011

Posted on 3/11/2011 by

Dramatic news videos of the devastating earthquake and subsequent tsunami that hit Japan early today have prompted many Americans to consider making donations to charities that provide relief to survivors.

The Better Business Bureau (BBB) warns consumers to be cautious because fraudulent charities often crop up to take advantage of their sympathy for earthquake victims.

Whenever there is a major natural disaster, there are two things you can count on: The first is the generosity of Americans who donate time and money to help victims, and the second is the appearance of poorly run and, in some cases, fraudulent charities. Donors want to be sure their money goes to competent relief organizations that are equipped to handle the unique challenges of providing assistance in a disaster zone.

The best way to help is to donate money to a reputable humanitarian organization, like the American Red Cross, a BBB Charity Seal holder. The American Red Cross has a long history of responding to local, national, and international disasters.

The BBB offers the following tips to help Americans decide where to direct donations:

Rely on respected experts to evaluate a charity. Be cautious when relying on third-party recommendations such as bloggers, because they may not have fully researched the listed relief organizations. The BBB provides a Wise Giving Guide to charities at www.bbb.org/charity. The guide shows which charities are accredited by the BBB and whether they meet the BBB’s 20 Standards for Charity Accountability.
Be wary of claims that 100 percent of donations assist victims. All charities have fund-raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee.
Be cautious when giving online to unfamiliar charities. Be wary of spam messages and emails that claim to link to a relief organization. After the tsunami disaster in 2004 and the earthquake in Haiti last year, many websites and organizations that were created overnight allegedly to help victims turned out to be scams.
Find out if the charity has a presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to get new aid workers into the area to provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.
Find out if the charity is providing direct aid or raising money for other groups. You may want to avoid the middleman and give directly to charities that have a presence in the region. Check out the ultimate recipients of the donations to ensure that the organizations are equipped to effectively provide aid.
Gifts of clothing, food or other in-kind donations may not be appropriate. Unless the organization has the staff and infrastructure to distribute such aid, the donations may be more of a burden than a help. Ask the charity about their transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

The Impact of Inflation and Idaho’s Economic Indicators

3/9/2011

Posted on 3/9/2011 by

By Richard K. Murray
Better Business Bureau
Volunteer/Contributor

To borrow a famous Jack Nicholson line from The Shining, “I’m baaack!” I’m not talking about a scary character, but inflation. We in the Treasure Valley need only look at our food bill or the cost to fill up our gas tank to realize the impact inflation is starting to play in our budgets. While the unrest in the Middle East and Africa is impacting inflation the indicators started turning before the unrest started. The issue is significant enough to get the pundits to ask if this will cripple our recovery.

The Producer Price Index for January rose 0.8% and the Consumer Price Index rose 0.4 %, both exceeding expectations. Thirty year fixed mortgage rates are on the rise breaking 5% in February. The GDP, 2.8%, fell short of the expected 3.3% but 2010 Valentine Day sales spending contributed an 11% increase over 2009 and Edmunds reported car sales up 14% from January. The sale of fleet vehicles is projected to be up 20% in 2011.

The January indicators were on the whole positive. The national unemployment rate fell by 0.1% to 8.9%, the first time the rate has been below 9% since April 2009. The net job creation was 192,000 with the private sector creating 222,000 jobs and the public sector losing 30,000. Losses in the public sector are expected to grow in the coming months as state and local governments face even smaller budgets for FY 12. While Wisconsin seems to be catching the national news with its budget woes, locally the news media is concentrating on our education reform as proposed by Mr. Luna. Cuts in education and human services are significant this year as Idaho deals with a projected shortfall and the requirement to balance the State’s budget.

In Idaho the unemployment rate stayed stubbornly at 9.7% with a net 2,000 new jobs created. The good news is that personal income rose 1% from the second to the third quarter in 2010, primarily due to additional hours worked for those employed. Construction, real estate, and the utility sectors, unfortunately, report lower personal income for the same period. The Treasure Valley continues to have new national businesses moving in to the area. DSW Shoe Warehouse announced plans to open a store in the Franklin Towne Plaza. Idaho exports in 2010 rose 32.8% over 2009. Demand is down for lumber products as the residential new home market remains sluggish but the price for lumber products sold in the box stores remains solid. One of our “green” industries took a hit when the Idaho Public Utilities Commission issued a temporary moratorium on new development by increasing the capacity of projects that qualify for IPUC rates from 100 killowatts to 10
megawatts.

On the banking front, nationally bank failures were up, 157 in 2010 compared to 140 in 2009, but there were no failures in Idaho. The average core capital ratio in the third quarter of 2010 nationally was 8.99 and 10.8 in Idaho. A core capital rate over 10 indicates strong capitalization. The Bank of the Cascades, Mountain West Bank and Syringa Bank have all been successful in raising capital through stock sales in recent months. This is an important trend for local and regional banks to keep them well capitalized.

The news from the commercial real estate sector continues to be grim. The average actual lease rates continue to fall well below the asking rates for office space, $13.65 vs. $15.45 for prime locations and $12.40 vs. $14.05 overall. Experts in the field believe the Treasure Valley has weathered the worst of the storm and that while lease rates may continue to decline, vacancy rates will start to fall in 2011 signaling the bottom of the market. Average rates for industrial space show the same trend in actual vs. asked. Signals indicate that warehouse space has hit the bottom of the market but it is unclear when the market will actually turn upward. In the retail sector the vacancy rates have begun to decline but the actual-to-asked rates shoe the same trend as other commercial real estate sectors. The outlook is that it has reached bottom and has started to turn positive but the duration of low performance is hard to predict. The box store space comprises
40% of the available space and for the sector to decrease available space these need to be leased.

The residential real estate sector continues in decline. One indicator of this is the average home selling price in Ada County, which fell in 2010 20.7% from $169,000 to $134,000. Apartment occupancy is up in the 95% range and the rental lease rates are stable with rental incentives being reduced or eliminated. Some economists project that the residential market will start to stabilize in mid-2011.

Rick Murray is the Executive Director of the Dispute Resolution Center of the Northwest, a SCORE volunteer and a volunteer mediator/arbitrator for the BBB. He may be reached at rmurray@drcofthenorthwest.com.

BBB Warns of Grant Scams

3/3/2011

Posted on 3/3/2011 by

The Better Business Bureau serving the Snake River Region is warning consumers about e-mails promoting government grant scams.

The e-mails promote the idea that millions of dollars in government grant funding is available to “U.S. citizens.”

The solicitors seek an advance fee to pay for software to search for grants. Consumers who pay these fees will be instructed to wire the money to Canada and then they will not receive the services they thought would help get them government grant funding. Fees can range from a few hundred dollars to thousands of dollars.

This is a new twist on government grant scams. These scammers are using the economic downturn as a way to prey on consumers who are experiencing financial hardships.”

Before paying any money for assistance in earning government grants, BBB offers the following advice:

• While it’s true that the Federal government does give out billions of dollars in grant money every year, most grants are given to help students pay for college or for specifically defined reasons such as for research or to businesses in particular industries.

• There’s no reason to pay for software or guides when applying for government grants. Such information is already available for free on federal government Web sites including: www.grants.gov, www.Studentaid.ed.gov, www.govbenefits.gov and www.sba.gov.

• Always check out a business’ BBB Reliability Report before giving out any bank account or credit card information. Reliability reports are available for free at www.bbb.org.

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

3/1/2011

Posted on 3/1/2011 by

Arlington, VA – Everyone loves a good movie and with today’s movie theater tickets costing more than ten bucks a pop (and that’s not even including the “pop”), many movie goers are opting to watch their favorite movies at home for free instead. “Free,” however, comes with a cost, a cost that many consumers don’t realize. The Better Business Bureau warns consumers against downloading “free” online movies.

According to researchers from cloud security provider Zscaler, movie sites like www.letmewatchthis.com, www.letbobwatchthis.com, and www.movie-source.org, all look harmless when in fact, they are luring consumers into a copyright infringement trap. Sites like these house hundreds of pirated movies and by downloading them onto your computer you are committing a copyright infringement.

“Consumers need to know the consequences of using such sites,” said Steve Cox, President and CEO of the Council of Better Business Bureaus. “It is ultimately their responsibility to ensure that the files they are downloading and sharing are legal copies.”

According to the United States Copyright Office, an individual who uploads or downloads online movies that are protected by copyright law without the authority of the copyright owner can be subjected to copyright infringement violations. Such cases can be considered liable for statutory damages up to $30,000 for each work infringed. If infringement is found to be willful that amount can be increased up to $150,000 for each work infringed. In addition, according to the U.S. Department of Justice, the government can also criminally prosecute you for copyright infringement. Fines up to $250,000 and/or a five year prison sentence can result.

To avoid such risks, the Better Business Bureau recommends the following:

Purchase all copyrighted works online using one of the many services that are authorized to sell copyrighted pieces. By doing so, you can avoid copyright infringement violations.

When evaluating services to decide if they provide legal music and movie files, look for statements that say they have obtained the copyright permission of the artists or company representing the artists.

Seek legal alternatives. The Recording Industry Association of America (RIAA) and the Motion Picture Association of America (MPAA) can provide a list of some of the more popular legal online media sources, including iTunes and YouTube.

Be careful when downloading illegal digital files. Illegal downloading places your computer at high risk of receiving viruses.

To learn more about how to protect yourself from copyright infringement, visit www.bbb.org and www.cybercrime.gov sponsored by the U.S. Department of Justice.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.
About Better Business Bureau

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Better Business Bureau Recommends Following the Top Ten Tips from the Internal Revenue Service this Tax Season

3/1/2011

Posted on 3/1/2011 by

With April 18th fast approaching, it’s time to start the tax filing process that we all know and love. This tax season, if you are planning to get assistance from a tax preparer or even if you’re planning to do the leg work yourself, Better Business Bureau, along with the Internal Revenue Service recommend following these top ten tax filing tips.

1. Start gathering your records: Round up any documents or forms you’ll need when filing your taxes: receipts, canceled checks and other documents that support income or deductions you’re claiming on your return.

2. Be on the lookout: W-2s and 1099s should have arrived by now and you’ll need these to file your tax return.

3. Use Free File: Let Free File do the hard work for you with brand-name tax software or online fillable forms. Everyone can find an option to prepare their tax return and e-file it for free. If you made $58,000 or less, you qualify for free tax software that is offered through a private-public partnership with manufacturers. If you made more or are comfortable preparing your own tax return, there's Free File Fillable Forms, the electronic versions of IRS paper forms.

4. Try IRS e-file: After 21 years, IRS e-file has become the safe, easy and most common way to file a tax return. According to the IRS, 70 percent of taxpayers used IRS e-file. Starting in 2011, many tax preparers will be required to use e-file and will explain your filing options to you. This is your chance to give it a try. IRS e-file is approaching 1 billion returns processed safely and securely. If you owe taxes, you have payment options to file immediately and pay by the tax deadline. Best of all, combine e-file with direct deposit and you get your refund in as few as 10 days.

5. Consider other filing options: There are many different options for filing your tax return. You can prepare it yourself or go to a tax preparer. You may be eligible for free face-to-face help at an IRS office or volunteer site. Give yourself time to weigh all the different options and find the one that best suits your needs.

6. Consider Direct Deposit: If you elect to have your refund directly deposited into your bank account, you’ll receive it faster than waiting for a paper check.

7. Visit the IRS website again and again: The official IRS website is a great place to find everything you’ll need to file your tax return: forms, publications, tips, answers to frequently asked questions and updates on tax law changes.

8. Remember this number: 17: Check out IRS Publication 17. It’s a comprehensive collection of information for taxpayers highlighting everything you’ll need to know when filing your return.

9. Review! Review! Review! Don’t rush. Be sure to double-check all the Social Security Numbers and math calculations on your return as these are the most common errors made by taxpayers.

10. Don’t panic! If you run into a problem, remember the IRS is here to help. Try www.irs.gov or call toll-free at 800-829-1040.

Remember, when seeking the assistance of a tax preparer, always get referrals from friends and family on who they use and check the BBB Business Review on tax preparation services at www.bbb.org.

For more advice on finding professionals you can trust and for filing your taxes accurately, visit www.bbb.org and www.irs.gov.

Small Business Jobs Act of 2010 Tax Provisions

Better Business Bureau Offers Advice on Finding a Tutor to Match your Child’s Needs

3/1/2011

Posted on 3/1/2011 by

If your child is having a hard time learning to read, needs a hand with their calculus homework or even SAT*/ACT® preparation, a tutor may be the answer. The Better Business Bureau has advice on finding and working with a tutor to best meet your child’s needs.

While private tutors can be expensive—$30 to $70 an hour—they do offer the most tailored approach for helping your child learn. Qualifying families with limited income can receive free tutor sessions for their children as part of the No Child Left Behind Act.

A commercial learning center, such as Sylvan or Huntington, typically costs around $150 per week, paid weekly or monthly. A learning center provides a customized and specialized learning environment for your child. These programs often offer incentives for children of all ages—kindergarten to pre-college—to help make learning more fun and are typically very good about reporting on your child’s progress.

For the computer-savvy child, online tutoring usually carries a monthly fee of $35 to $130. Tutors are often available online 24-hours for kids to chat about their homework or SAT*/ACT® prep.

The BBB offers the following advice for finding and working with a tutor:

• Check it out. For information on tutoring services or commercial learning centers, start your search at www.bbb.org for a free BBB Business Review that will help you make informed decisions.

• Ask around. Get referrals from your child’s teacher; other parents and friends can be a great resource, as well.

• Look for credentials. Check the tutor’s credentials and make sure they’re qualified in the subject area your child needs help with.

• Schedule a meeting. Meet with the tutor and discuss measurable, specific goals to be achieved and don’t be afraid to hold the tutor and the child accountable if goals aren’t met. While a tutoring program can’t necessarily guarantee a higher SAT*/ACT ® score, a tutor can help identify problem areas and address any specific subjects where your child needs help.

• Play a role. If you use a personal tutor, feel free to sit in now and then and observe how the tutor and your child are working together. Ask the tutor for advice on what you can do as a parent to help your child learn more effectively.

For more trustworthy information on issues affecting your child’s education go to www.bbb.org.

BBB Warns Against Sneaky Smishing Scams Targeting Cell Phone Users

3/1/2011

Posted on 3/1/2011 by

A new year means a new scam, this time, targeting cell phone users. Like traditional “phishing,” “smishing” schemers often pose as banks or lottery sweepstakes asking customers to contact them immediately about a pressing issue that needs to be discussed.

Victims of the bank scam are often asked to call a toll-free number and provide information, such as their debit card or account number and password, to a fake automated system. Victims have complained they have received text messages claiming their bank account is frozen with a toll free number to call to clear things up.

“These hackers are looking for you to respond with vital information that can ultimately lead to identity theft,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “In the cases of the lottery ‘smishing’ scam, hackers want you to wire over money before receiving your ‘prize,’ one of the biggest red flags of a ‘smishing’ scam.”

Text messages such as “Win cash now!” and “Short on cash? Reply here!” are all red flags that a lottery sweepstakes “smishing” scam is in the midst. Many of these messages come with embedded links that can ultimately spread viruses to the phone if clicked.

The Better Business Bureau advises consumers to do the following if they suspect they have fallen victim to a “smishing” scam.

Never reply to the text message. Schemers are preying on victims that text back and ultimately verify that the text has been sent to an active cell phone. If the message has a link in it, never click it. Many schemers use this as way to spread a viral attack on your phone.

Report the text immediately. If you believe you have fallen victim to a “smishing” bank scam, call your bank. They’ll be able to tell you for certain if the text is legitimate.

Call your cell-phone provider. Your cell phone provider should be able to block the number, as well as any premium text messages.

Do your research. If you believe you have fallen victim to a “smishing” lottery sweepstakes scam, contact the BBB directly to confirm the legitimacy of the text message and to file a complaint against the business responsible.

Contact the Federal Trade Commission. The FTC works to legally prevent fraudulent business practices in the marketplace. File a complaint with the FTC by calling 1-877-HELP.

For more advice from BBB on identity scams, visit bbb.org.

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

2/28/2011

Posted on 2/28/2011 by

To avoid such risks, the Better Business Bureau recommends the following:

Purchase all copyrighted works online using one of the many services that are authorized to sell copyrighted pieces. By doing so, you can avoid copyright infringement violations.

When evaluating services to decide if they provide legal music and movie files, look for statements that say they have obtained the copyright permission of the artists or company representing the artists.

Seek legal alternatives. The Recording Industry Association of America (RIAA) and the Motion Picture Association of America (MPAA) can provide a list of some of the more popular legal online media sources, including iTunes and YouTube.

Be careful when downloading illegal digital files. Illegal downloading places your computer at high risk of receiving viruses.

Fan and Follow: How Social Media Can Help Ignite Your Business

2/23/2011

Posted on 2/23/2011 by

Chances are you have seen or heard the following statements at least once today already; "Find us on Facebook" or "Follow us on Twitter." What started out as a college student's project about seven years ago has turned into an internet phenomena. But social media isn't just for kids anymore. Five hundred million people – from teenagers to grandparents – have quickly put Facebook checking on their daily to-do lists, and 175 million people have registered with Twitter to "tweet" what's on their minds. While millions are staying connected through the virtual world, all kinds of companies – large and small – are using both mediums to virtually drive business. Is yours one of them?

At least one Idaho car dealership, and long time Boise Better Business Bureau member, can proudly say, "Yes!" With nearly 1,000 followers on Twitter, and more than 300 Facebook fans, the company publicly shares just about everything. Job opportunities, new employee announcements, emissions testing reminders for customers, even comments such as, "Nice to see customers using the free wi-fi in the service department," and “What kind of coffee would you like to have (in the waiting area)?” can also be seen.

“For us, it’s all local and personal,” Grant L. Petersen, Jr., Bronco Motors President and CEO, said. “We want to deliver Five-Star, personal customer service and social media allows us to do just that.”

For the past 40 years, Bronco Motors has remained a hometown, family-owned business that believes in providing customers with the quality service and personal touch that they deserve. The 35-year member of the Better Business Bureau made the decision to venture into social media about three years ago with one thing in mind:

“We didn’t want to use Facebook and Twitter just as a means of advertising like some companies and other competitors do. To me, that’s what other media outlets are for,” Petersen said. “We use social media as a means to tell people what’s going on and what’s relevant in our community. It’s our way to stay connected to people, and reconnect with customers we haven’t seen for awhile or haven’t been able to reach. Often times these days, people aren’t watching local television so they don’t see your ads on TV. Maybe they aren’t cable subscribers or they are watching Hulu on their computers instead. Perhaps they are listening to music on their iPods and not listening to the radio to hear your ads. But, there is a pretty good chance they’re using Facebook and/or Twitter so you can probably reach them there.”

Social media has proven to be very useful in gaining additional exposure for many business owners. Facebook and Twitter can be used to reach out to customers in a variety of ways; announcing specials of the day or special coupons/deals, posting news links and photos or videos related to company events, and asking customers for input and feedback regarding new products you are offering or perhaps products they would like to buy.

“I’ve had some very interesting things happen that I would have never, ever expected. One time I helped a guy buy his family’s first new car through Twitter,” Petersen said. “It was a Saturday morning and I was at home. I saw a tweet that a man was taking his family to one of our dealerships, so I responded by asking him what he was looking for. Pretty soon, we were having a conversation. At the time, he had no idea that the company’s president and CEO was giving him all this feedback, input and advice. Before I knew it he went from taking a test drive to driving off to lunch in a new SUV.”

Petersen is currently using social media to grow his company. Many business owners will tell you that finding new customers and marketing are among continual challenges they typically face. In order to ensure a steady stream of new (and repeat) customers, marketing must be something that is worked on every single day. Along with television, radio, print, email marketing, and outdoor advertising, common techniques for marketing also include word of mouth, networking, internet marketing and social media.

“Social media has been an interesting, positive experiment. It is NOT the godsend of marketing because you still need to use the other mediums as well. But, it definitely does have its place,” Petersen said. “Our company is in all media. It’s just a balancing act that you must determine for yourself. For us, it’s all about relationship building and not so much advertising. Other mediums are for giving messages. This is a way for us to connect with customers.”

If you aren’t doing it yet, you owe it to yourself, your business and your customers to at least give it a try. It’s extremely affordable – because it’s free! But keep in mind, there is a lot more to making social media work than just establishing a Facebook page or setting up a Twitter account. It takes time, effort, dedication and social interaction.

“It is a time sucker, I will say that. But, I do have some help.” Petersen said. “I think you can overdo it, so I take the ‘KISS’ approach (keep it simple, stupid). Be direct. Be genuine. Be personable. Social media is like a tool in your tool kit and you have got to manage it. It’s not going to change your business, but it can greatly help improve your business.”

Ready to go? The Better Business Bureau recommends the following guide for Facebook users.

http://www.bbb.org/us/post/10-facebook-privacy-settings-every-user-needs-to-know-9741

Promote Your Company’s Greener Side

2/18/2011

Posted on 2/18/2011 by
Not only can going green save your company money, it can have a positive impact on how your customers perceive your products and services. If you’re looking to get a reputation boost from your dedication to the environment, the Better Business Bureau recommends sticking to the truth and not exaggerating your company’s impact.

There are many different shades and hues when it comes to being a green company. Some businesses strive to manufacture products that are better for the environment, while others take steps to be greener in daily operations, through measures such as recycling, using carbon offsets and taking steps to save energy.

“Going green can save your company money, especially if you take steps to conserve energy,” Stephen A. Cox, President and CEO of the Council of Better Business Bureaus, said. “But it can also make your company money as consumers are increasingly looking for products and services that won’t be as harmful to the environment.”

BBB offers the following advice on promoting your business’ greener side:

Tell the truth.
Few things destroy a company’s credibility with consumers faster than false advertising; regardless, some advertisers sometimes stretch the truth when it comes to talking up the eco-friendly qualities of products. When bragging about the shade of your green, as with any advertising or marketing claims, always tell the truth.

Make concrete claims.
An honest advertiser will not make vague statements such as “environmentally friendly” or “sustainable” without qualification and solid examples to back up the claim. If your packaging is made from recycled paper, then say so. If your company has reduced energy costs, brag about it! Making fuzzy claims, however, can get you into trouble.

Provide evidence.
Consider creative ways of quantifying your company’s impact such as: How many hours have your employees volunteered? Who has benefited and how have they benefited from your firm’s efforts. How are your products better for the environment?

Get a stamp of approval.
While there is no universal “Good Housekeeping Seal of Approval” for green products, there are independent third-party organizations that will certify your environmentally-friendly statements. Research any third-party carefully before seeking certification through their program. Avoid making claims about certification or seals that might be considered exaggerated or overly-broad.

Get expert help.
As a result of the green-frenzy that has taken over the country, many new boutique marketing and advertising firms are now specializing in branding companies as environmentally friendly and socially responsible. Getting outside PR help can be expensive. However, the rewards could be substantial in terms of revenue, reputation and goodwill.

For more reliable advice on best business practices and advertising guidelines for your business, as well as other ways to make your business more socially conscious, go to www.bbb.org/us/Business-Resources.

BBB Warns: Valentine’s Day Scams Could Break Your Heart

2/7/2011

Posted on 2/7/2011 by

Valentine's Day is a day of romance and expressions of love, but it’s also a time for scam artists to take advantage and break a heart. If you're not careful you could fall victim to a Valentine's Day scam.

Valentine’s Phishing Scams

As February 14^th approaches, we expect notes of love to arrive in our mailboxes. Cyber-crooks are well aware of this and use this time of year to trick those who are “love-struck” into divulging their personal and financial information. One email claims to be from a flower company and indicates the flowers you ordered for your sweetheart won’t be delivered unless you log in and re-enter your credit card information. A significant number of these messages will reach people that have actually ordered flowers, and no one wants their loved one to think they've forgotten them on Valentine's Day! If you click the link in that email and enter your credit card information you could have a real problem once you get your next statement. Even if you think a message like this is real, go directly to the florist's website or call them on the phone.

Online Dating Scams

As Valentine's Day approaches many singles turn to online dating websites to find true love. What many find is a broken heart. Scam artists often create fake profiles designed to match a certain kind of person. Once they make contact with you the scam begins. Whether you are talking in a chat room, through instant messages, or emails it slowly becomes clear that you've hit the jackpot. This new person you've met is perfect in every way. They have the same likes and dislikes as you and most importantly, they really dig you. The cybercriminal gains your trust, and then attempts to “meet you.” However, your true love won't have enough money for the trip and will need you to wire funds for a plane ticket. This often involves mail order bride scams, or a scam where you wire a “soldier” money for military leave. This is a very old and common scam.

Valentine’s Day eCard Scam

Be careful opening eCards on the web! In the case of the Valentine’s Day eCard scam, and email directs the receiver to a fake website that looks a lot like Hallmark or American Greetings. The site prompts the receiver of the card to download the latest version of Flash Player, in order to view the card. Once the love-struck receiver of the card installs the software, their computer is taken over with a Trojan, which is a program that can give someone (besides the user) full access to a computer and all of the files on it. Pay attention when you click on links, be sure the web address you are going to is the correct one, and in this case, the email doesn’t state a name – it is generic – which is another sign that this could be a scam and it could have gone out to millions of people.

Scams to Watch Out For!

2/4/2011

Posted on 2/4/2011 by

1. IRS Scam - If you get an email that claims to be from the IRS telling you that you need to submit information for your W-2, it is a scam. Beware of any other emails purporting to be from the IRS. Some may ask you to click on a link and provide personal information. The IRS will never email you. They will send a letter if they need more information.

2. Beware of Tax Anticipation Loans! They can be costly! Some tax preparers offer these “rapid refunds” in the form of checks or “gift” debit cards. These are similar to payday loans. They are short-term loans with high interest rates that range from 50 to 500 percent, and in some cases have hidden administrative fees

3. Valentine’s Scams - Look out for online dating scams, in which the cybercrook creates a false dating profile, complete with attractive photos. Victims are lured into one-on-one chats by e-mail, text, or phone. The goal is to trick you with a mail order bride scam, or one where you’ll wire a “soldier” money for military leave. Another threat includes e-cards that link to hacker Web sites. And, a Valentine’s phishing scheme involves an email indicating the flowers you ordered for your sweetie won’t be delivered unless you log in and re-enter your credit card.

4. Walmart/Target Gift Card Scam - If an ad pops up on your cell phone while you are using the internet and offers a “free” $100 gift card to Walmart or Target, don’t fall for it. This is a scam. When you call a toll-free number, you will be asked to pay a $4.95 shipping/handling fee for the card with your credit card. This is an attempt to steal your personal information.

5. Visa/MasterCard Fraud - Scammers pretend to be fraud investigation agents for Visa or MasterCard in order to get your credit card security code. It’s a scam that has worked its way across the Country for years. The caller already has your credit card number and says your card has been “flagged” for an unusual purchase pattern, and then wants you to “verify” the code on the back of your card.

6. Unemployment Surveys - Websites that offer “free stuff” in exchange for completing an Unemployment Survey are not all they’re cracked up to be. The “free” sites make you jump through hoops to get the “free gift,” if you actually ever receive it. On one website, you must complete a survey and 13 required sponsorship offers that may cost you money. Also, your personal information is sold to other companies and you are bombarded with emails, phone calls, and text messages.

7. Shopping Job Scam - A concerned local consumer contacted us after she replied to an ad in the paper for a job. The “architect,” who was out of the country, wanted the job seeker to do some shopping for him. The employer sent money orders that were to be deposited and the job seeker was supposed to wire part of the funds back to the “employer.” This is definitely a scam!

8. Travel and Holiday Job Scam - A local consumer says she was contacted by this company after they found her resume on Hotjobs.com. The company offered a job as Tour Manager for $3000/month plus 5% of the client’s payment, only working 5 - 10 hours per week. (sound too good to be true?) The company then told the job seeker she would need to deposit the clients’ payments and wire money to the company. NEVER wire money to someone you don’t know.

9. State Record Retrieval Board sends a postcard to homeowners offering to get a copy of their deed and property profile for “just” $87. The company is NOT a government entity, and has an “F” rating with the BBB. Homeowners can get the same information from their County Clerk’s office at a minimal cost.

10. Nigerian Scam hits Facebook. Don’t believe every email you receive on Facebook. A consumer reports to the BBB that she received an email in her FB account that asked her to assist in retrieving funds that were left behind by a legal practitioner’s client who died in a car accident. The email starts with “your inheritance,” implying she will get some money. She was asked to contact the person at an email address outside of FB. This is a scam!

BBB Warns Local Residents of Caller ID Spoofing from Cardholder Services

2/4/2011

Posted on 2/4/2011 by

The Better Business Bureau Serving the Snake River Region is warning local residents to Caller ID Spoofing using the name ”Cardholder Services,”which is currently targeting households throughout Idaho.

During the past week, the BBB has received several calls from Idaho residents who have reported receiving a call from Cardholder Services that contains a pre-recorded message offering services to lower interest rates on credit cards. Callers are asked to push “1” for more information, or “3” to be removed from the calling list.

Residents are reporting concerns that the phone number appearing on their caller ID for the calls from Cardholder Services appears to be a local telephone number - in fact in many cases the number is only one digit away from their own number, or is the number for a local hospital or fire department. In other cases, the number actually belongs to a friend of the person who received the call, causing them to believe that an intruder is in their friend’s home, placing the calls.

In reality, the caller is using technology to alter the information that appears on a call recipient’s Caller ID display – a practice known as caller ID Spoofing. Because phone numbers are altered, the BBB has been unable to verify who is making the calls or from where.

In addition to tricking consumers into answering their phones due to the local number appearing on caller ID displays, the BBB has found that calls claiming to offer services to lower credit card interest rates are usually ploys to obtain account information that results in ID theft. The calls are also usually in violation ofthe Federal Trade Commission’s Do Not Call registry, since most call recipients have registered their number on the do not call list.

One consumer reported that he selected “1” on his keypad to learn more about the offer, and the caller refused to provide any information about the company and where it is located. Most consumers reported selecting “3” from their keypad to be removed from future calls, but have found the calls continue.

The BBB offers the following information and tips to help keep you from falling victim to spoofing scams:

Do not give any personal information to an unfamiliar company or individual, whether it’s by phone, mail or e-mail. This includes credit card numbers, credit card expiration dates, your social security number, driver’s license number, bank account numbers or any other personal information. Even if you are told it is only for “identification” or “verification” purposes, this information can be used to make unauthorized purchases.

Do not provide sensitive information over the phone just because the caller ID says you are talking to a trusted source. Be aware that con artists can hack into caller ID systems and caller ID spoofing is not currently prohibited by law, except if the caller is violating the Do Not Call registry. Do not automatically trust a phone number based on its area code.

In addition to the robocalls for “lower credit card rates,” be leery of “banks” or “credit card companies” requesting verification of account numbers. If your bank or credit card company has a legitimate reason to call, they will not need to request identifying information because they already have it on record.

Register your phone numbers with the FTC’s Do Not Call Registry at 888-382-1222. Cell phone numbers can be registered along with landlines, but you need to call from the phone that is being registered. Up to three phones per household can also be registered at www.donotcall.gov.

Arm yourself with information. If you want to check out a company or charity, have a question or concern about a merchant or marketplace transaction, or need additional information on protecting yourself from scams, contact your BBB at 208-342-4649 or 800-218-1001 or visit www.bbb.org.

Top Five Ripoffs When Buying Sports and Concert Tickets

1/31/2011

Posted on 1/31/2011 by

Whether you’re trying to snag tickets to the big game or the hottest concert, the Better Business Bureau warns that you run the risk of getting ripped off if you decide to gamble on a less than reputable source.

Fake tickets aren’t just a concern for people who want to go to the Super Bowl or see Lady Gaga, even smaller events can become a target. Not only were counterfeit tickets to major sporting events like the BCS Championship game or the NFL playoffs a problem this winter, consumers have also recently wasted money on fake tickets for UFC fights, and local concerts.

“Every season provides an opportunity for scammers to sell counterfeit tickets,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “In the winter you have college football and NFL games leading up to the Superbowl, in the spring the hot tickets are for March Madness and hockey and NBA playoffs and then summer hits with big name concerts.”

If you’re looking to get ripped off buying event tickets, BBB recommends:

Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

Wiring money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look. For example, the NFL has offered advice on how to tell if Super Bowl tickets are legit here.

Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised. Keep in mind that, in some states, it’s illegal to charge more than the face value for tickets.

Choosing a reputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at www.bbb.org/us/Find-Business-Reviews. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit www.bbb.org/us/Consumer-Tips/

Don’t Pay for Free Advice on Scholarships for College

1/31/2011

Posted on 1/31/2011 by

Arlington, VA – Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“Times are tight and many families desperately want to tap into the well of scholarships and grants to help their kids go to college,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “While some companies are trying to take advantage of struggling families looking for funding, the good news is that all of the information you need is already available for free.”

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged as much as $69 even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

“The scholarship is guaranteed or your money back.” In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.
“You cannot get this information anywhere else.” Actually, scholarship information is widely available in books, from libraries and financial aid offices and on the Internet, if you are willing to search for it.
“We will do all the work.” Only parents and students can really determine and provide the financial information needed to complete the forms.
“You have been selected by a national foundation to receive a scholarship.” If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.
“May I have your credit card or bank account number to hold this scholarship?” This is never a requirement for a legitimate scholarship offer.
“The scholarship will cost some money.” Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit www.fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at www.bbb.org/us/Consumer-Tips/

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Sheila Adkins at 703-247-9312.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

National Consumer Protection Week: BBB’s Top Five Tips to Become a Savvy Consumer

1/31/2011

Posted on 1/31/2011 by

National Consumer Protection Week, March 6-12, is an annual effort led by the US Federal Trade Commission to educate the public on how to use their money wisely. As a part of National Consumer Protection Week, BBB recommends five easy steps you can take to become a smart shopper and savvy consumer.

“In a tough economy, it’s more important than ever to protect the money you have from scammers and bad businesses,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “A few simple steps will go a long way to fighting off the common cons and rip-offs that steals millions from unsuspecting consumers every year.”

BBB recommends the five following tips to protect your wallet against scammers and unscrupulous businesses:

Get everything in writing and always read the fine print.
Contracts, customer agreements and fine print protect the business and outline the terms of the agreement with the customer. While it’s natural to want to avoid reading the legalese, it’s important that customers understand their rights. Whenever signing a contract, BBB recommends reading the fine print carefully—even if it means taking it home and sleeping on it. Also, don’t just take a sales associates’ word for it; get all verbal promises in writing.

Protect your identity—and your pocketbook.
Fighting identity theft means staying vigilant online and off. Protect your identity by taking the following steps:

Always shred sensitive documents that include personal financial information such as bank, credit card and Social Security numbers.
Monitor your financial accounts closely to more quickly detect suspicious activity.
Make sure your computer has up-to-date anti-virus software and be extremely selective when opening attachments or clicking on links in e-mails.
Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.

Never wire money to someone you don’t know.
Many scams bilk victims by convincing them to wire money. The reasons for wiring the money can vary and include mystery shopping, paying fees to win a lottery, and—if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is the fact that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.

Know where to complain.
If you’ve been ripped off by a business, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:

Your Better Business Bureau at www.bbb.org/us/file-complaint,
Federal Trade Commission at www.ftc.gov, and
Your state Attorney General or consumer protection bureau.

If you’ve been ripped off by a scam online—such as a phishing e-mail or deceptive website—you can also file a complaint with the Internet Crime Complaint Center at www.IC3.gov.

Always check businesses out with BBB.
Nearly 400,000 businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on websites and at business locations. However, BBB doesn’t just report on accredited businesses. You can check out BBB Business Reviews for nearly 4 million businesses across North America for free by visiting www.bbb.org/us/Find-Business-Reviews/. A BBB Business Review will tell you how many complaints the company has received, whether the company responds to complaints and much more.

For more advice on managing your money and avoiding scams, visit www.bbb.org/us/Consumer-Tips/.

Do you know where your kids are…on the Internet? Keep your kids safe online by teaching them the seven stop signs

1/31/2011

Posted on 1/31/2011 by

Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.
You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.
You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

To raise awareness of children’s online safety, CARU has created a series of TV PSAs that are airing nationwide and are also available online. Blogs, television and radio stations interested in spreading the word about online safety can contact Wayne Keeley at wkeekey@caru.bbb.org to learn more about airing these PSAs.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner.

BBB Advice: Tax Refund Anticipation Loans Are Costly, Whether You Get A Check Or A Debit Card

1/26/2011

Posted on 1/26/2011 by

In a hurry to get your refund? Some tax preparers offer tax refund anticipation loans, often marketed as “rapid refunds” in the form of checks or “gift” debit cards.

The Better Business Bureau (BBB) advises consumers to be wary of these costly loans. They deliver refunds only slightly faster than the IRS.

Refund anticipation loans are similar to payday loans: They’re short-term loans with high interest rates that can range from 50 to 500 percent. In some cases, they have hidden administrative fees. If the tax preparer makes a mistake in calculating your refund, borrowers could be required to pay fines and fees, too.

Consumers may assume that the loans will be paid off quickly when their refund arrives, but if the refund is less than the loan, consumers will have to repay the difference, plus fees and fines.

The IRS usually delivers refunds in as few as 10 days after a consumer files a tax return, if the consumer files the return electronically and takes the refund by direct deposit to a bank account. The speed makes most refund loans unnecessary.

This year, the IRS has another option for refunds if a consumer doesn’t have a bank account: a prepaid debit card. The cards, available only by invitation, can be used to get money from ATM machines or to buy goods and services from retailers. The cards arrive faster than checks, the IRS says, and may allow consumers to avoid check-cashing fees.

The BBB advises consumers to be wary of two common tax-time schemes:

Tax reduction schemes are promoted by companies that claim they can help consumers reduce what they owe the IRS by working on their behalf with the IRS. However, the BBB has taken complaints from consumers who paid thousands of dollars to such companies only to find out that the companies didn’t reduce the amount they owed and, in some cases, had never contacted the IRS.

BBB advice: If you have a debt with the IRS, consult an IRS enrolled agent, a certified public accountant or a tax attorney to determine whether you qualify to file for anything other than paying your taxes, fines and penalties in full.

Phishing e-mails may say that there’s an issue with taxpayers’ refunds, that they are being audited or that a problem is delaying processing of their taxes. Many include a link to a website set up by scammers, where victims are asked for Social Security numbers, bank account or credit card information. Some sites are designed to automatically install viruses or other malicious software on the victims’ computers.

BBB advice: The IRS doesn’t e-mail people about their taxes. The agency typically contacts taxpayers by mail. Tip-offs that an e-mail is fraudulent may include spelling or grammatical mistakes. The BBB advises consumers not to open any attachments or click on links in the e-mails.

If you decide to hire a tax preparer, the BBB advises that you:

Ask for referrals from friends, but check the preparer out with the BBB before you hire anyone at www.bbb.org or by calling 208-342-4649.
Check credentials. Is the preparer a certified public accountant (CPA), a tax lawyer or an enrolled agent? Will the preparer sign your return and provide you with a copy? Does the preparer belong to a professional organization that requires members to adhere to a code of ethics?
Be wary of promises. Until the preparer knows your situation, there is no way to know whether you’ll get a refund or how big it will be.
Check accessibility. You may need to contact your preparer after tax season is over. Will he or she be available?
Read the contract. Know what the service will cost, what it covers and whether the cost changes if you have a complicated return. Will the preparer represent you in case of an audit?
Check your return. Before you sign the return, read it over to check for mistakes. Ask the preparer to explain anything you don’t understand.

For more information or to check a company’s Reliability Report, go to the BBB website, www.bbb.org, or call 208-342-4649.

Consumer Watch - Veteran's Benefits

1/25/2011

Posted on 1/25/2011 by

U.S. veterans command so much respect, it's hard to believe someone would single out and take advantage of an elderly person who served our country. It's happening.

In researching the story, I spoke to a VA representative who is working with a family who paid $800 through an online program promising to help connect people to their VA benefits.

While it's probably not illegal (we'll dive into these muddy waters below), the above cases are unethical considering the woman and family could have learned about and received help for free.

Scam Artists Are Targeting Businesses That Are Looking For Job Seekers

1/20/2011

Posted on 1/20/2011 by

E-mails that contain malware are being sent to businesses concerning their online job postings. The FBI reports that cyber criminals are engaging in ACH/wire transfer fraud, and they are targeting businesses by responding via e-mail to employment opportunities posted online.

From the FBI:

More than $150,000 was stolen from a U.S. business via an unauthorized wire transfer as a result of an e-mail the business received that contained malware. The malware was embedded in an e-mail response to a job posting the business placed on an employment website and allowed the attacker to obtain the online banking credentials of the person who was authorized to conduct financial transactions within the company. The malicious actor changed the account settings to allow the sending of wire transfers, one to the Ukraine and two to domestic accounts. The malware was identified as a Bredolab variant, svrwsc.exe. This malware was connected to the ZeuS/Zbot Trojan, which is commonly used by cyber criminals to defraud U.S. businesses.

Employers should stay up-to-date on their virus protection. Running a virus scan prior to opening any e-mail attachments from a potential employee could provide more security.

The FBI recommends businesses use separate computer systems to conduct financial transactions.

Anyone who believes they have been a target this type of attack should contact their financial institutions, the FBI, and report it to the IC3's website at www.IC3.gov.

Canyon County Resident Loses $5600 in Grandparent Scam

1/13/2011

Posted on 1/13/2011 by

A Canyon County Sheriff's Office detective alerted the Better Business Bureau that the office is receiving a number of calls from the elderly regarding the "grandparent scam." Detective Garland Lewis said one person lost $5,600 to a thief this week through the scam.

Generally, the scam works like this: The grandparent receives a distressed phone call from who they believe is their grandchild. The supposed grandchild typically explains that they are travelling in Canada and have been arrested or involved in an auto accident and need the grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars. While many seniors have reported the scam without falling prey to it, unfortunately, many others have been victimized. A well-meaning grandmother in another state sent $15,000 to scammers, thinking she was helping a grandchild who had been in an auto accident.

The Better Business Bureau joins the Canyon County Sheriff's Office in warning people to be wary of anyone calling claiming to be a relative in distress.

Law enforcement officials are not certain how perpetrators are obtaining phone numbers for so many senior citizens across the U.S. However, it is believed that scammers are most likely calling random numbers until they happen to reach a senior citizen. The scammers’ basic tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks. For example, the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

To protect themselves from this scam, and other scams that may use a distressed loved-one tactic, BBB advises seniors to confirm the status of the individual by calling them directly or verifying the story with other family members before taking any further action.

BBB also advises that any request to wire money through Western Union or MoneyGram should be seen as a “red flag” and an immediate tip-off that the call may be part of a scam. Funds sent via wire transfer are hard to track once received by scammers and are usually not recoverable by law enforcement or banking officials.

For anyone victimized by this type of distressed loved-one call, BBB recommends reporting the incident immediately to local law enforcement. However, it is important to remember that once money is wired, it is nearly impossible to trace or retrieve.

Resolve to Give Back; Five Tips for Volunteering

1/4/2011

Posted on 1/4/2011 by

Donating your time to a charity is in many ways similar to deciding to make a cash donation. You want to know that the charity you’re considering is accountable and will use your time and talent effectively. If you’ve made giving back part of your New Year’s resolutions, the BBB Wise Giving Alliance recommends taking five steps to make sure your volunteering has a big impact.

Much of the great work that charities perform is made possible because of volunteers and the number of people giving their time continues to grow. According to the most recent numbers from the Bureau of Labor Statistics, 63.4 million people volunteered for an organization in 2009, or 26.4 percent of the US population.

“Particularly in this tough economy, charities need volunteers to help the community and those in need,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “Volunteering can be an extremely rewarding experience, but you want to be thoughtful and do your research when you give your time, just as if you were giving money.”

The BBB Wise Giving Alliance recommends taking the five following steps to make sure your time and energy are put to great use as a volunteer:

Identify your skills. Volunteering opportunities are available for any skill level. Consider what you’re good at and what services you’d be particularly well-equipped to provide. From stuffing envelopes to construction to providing pro bono legal advice, you can find a good fit regardless of your education or talents.

Consider your passions. Maximize your enthusiasm for volunteering by finding an issue that resonates with your own personal passions. If you’re a runner, consider a marathon fundraiser. If you like history, look for opportunities to help out at an archeological dig. By indentifying your passions, you’re more likely to stay engaged with the charity and be a more effective volunteer.

Determine your availability. Make a realistic estimate of how much time you’re willing to give. Maybe it’s just a weekend of picking up trash at a park, a week of building schools in a foreign country or maybe you’re willing to make a long-term commitment to tutoring someone to read. It’s better to volunteer the amount of time you can reasonably handle, rather than drop out in the middle of a longer commitment.

Research the charity thoroughly. Just as you would before making a cash donation, research the charity fully before you volunteer to make sure the organization has a commitment to standards and accountability. You can view BBB Wise Giving Alliance evaluations on nationally-soliciting charities for free at www.bbb.org/charity.

Commit to stick with it. According to an article in the Stanford Social Innovation Review, more than one third of those who volunteer one year don’t volunteer anywhere the following year. Even if your early attempts at volunteering weren’t a good fit, keep at it and look for new opportunities to give back. In a tough economy, charities need the support of volunteers more than ever.

Following are just a few sites that list volunteer openings:

For more advice on volunteering and to view charity evaluations on nationally-soliciting organizations, visit www.bbb.org/charity.

Seven Scams that Target Small Businesses

1/4/2011

Posted on 1/4/2011 by

Being vigilant against fraud is not only important for a company’s bottom line, it also strengthens customer trust in the business. Becoming a victim of fraud can have a negative financial and reputational impact on a business and the Better Business Bureau recommends owners train their staff to look out for seven common scams that prey on small companies.

Every year the BBB receives thousands of complaints from small business owners who fell for an invoicing scam or were misled into paying for products and services they didn’t want. Scammers aren’t always trying to steal money from a business; sometimes they are after a company’s financial or customer data and will use many kinds of high and low-tech methods for getting it.

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Alison Southwick, BBB spokesperson. “Because small business owners often lack the time and resources to fight fraud, they are a popular mark for any number of different scams.”

The BBB is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites like eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. You can learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are just money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers will often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but their reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails specifically target small business owners with the goal of hacking into their computer or network. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit www.bbb.org/us/Business-Resources/.

Look for Seven Red Flags When Applying to a For-Profit College

1/4/2011

Posted on 1/4/2011 by

Enrollment at for-profit schools—including trade schools and online universities—has skyrocketed in recent years. Unfortunately, not all schools offer a quality education and enrolling in a sub-par program can be a waste of time and money. When checking out for-profit schools, the Better Business Bureau recommends doing your research and looking for five red flags.

For-profit colleges enroll 1.8 million students—a number that has increased significantly in the last decade, according to the US Department of Education. While for-profit schools are becoming a more popular option for students, a recent investigation by the US Government Accountability Office (GAO) found that some are misleading students about the cost and quality of the education they will receive.

“If you’re looking to expand your horizons and get a better education, take the time to explore all of your options and do your research,” said Alison Southwick, BBB spokesperson. “Not all post secondary schools offer the same level of education and you can waste tens of thousands of dollars and years of your life if you sign up with an institution that doesn’t meet standards.”

When applying to a for-profit school, the BBB recommends looking out for the following red flags:

The recruiter uses high-pressure sales tactics.
If a sales rep is subjecting you to high pressure sales tactics—including bullying you or claiming you have to sign up immediately, just walk away. A reputable school will take the time to answer your questions, allow you to talk to a financial aid advisor and not push you into making a hasty decision.

The recruiter exaggerates potential income or guarantees a job.
Beware of any school that guarantees you will get a job after completing their program. Landing a job is never a sure thing, especially in this economy. If the representative tells you how much money you’ll make after completing their program, confirm it with a third party—don’t just take their word for it.

The prices are inflated when compared to other options.
A recent GAO investigation alleged price gouging at some for-profit schools. As an example, one school charged $14,000 for a certification in massage therapy while a similar certification at a local public college would have cost only $520. Before signing up with any for-profit school, do your research and compare costs against other for-profit schools and public colleges.

The school is not accredited.
Accreditation is extremely important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. You can check with the US Department of Education at http://ope.ed.gov/accreditation/ to learn which post secondary schools are accredited by approved agencies. More information on the importance of accreditation is available through the Council for Higher Education Accreditation’s website.

The degree or program seems too easy to obtain.
Diploma mills pose as online schools and often promise to give you a cheap and easy degree. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges. If the degree seems too easy to earn—this includes simply taking a test online or earning your degree based largely on life experience—it probably isn’t legitimate.

The school does not disclose information as required.
Some of the for-profit schools the GAO investigated "failed to provide clear information about the college's program duration, costs, or graduation rate despite federal regulations requiring them to do so." Don’t be afraid to ask plenty of questions when talking to recruiters and if you get the runaround instead of clear, concise answers, it’s a bad sign.

The recruiter encourages you to lie on financial aid forms.
The GAO report also found that some recruiters encouraged students to lie on their financial aid applications in order to get more money from the government to pay for tuition. If you get caught lying on your financial aid forms, not only will you have to pay the government back the money you borrowed, you could be fined and sent to prison.

For more advice on managing your personal finances and finding trustworthy businesses, visit www.bbb.org/us/Consumer-Tips/

Ten Questions to Ask Before Joining a Gym

1/4/2011

Posted on 1/4/2011 by

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, the Better Business Bureau recommends asking ten questions before signing on the dotted line.

In 2009 alone, BBB received 7,787 complaints about gyms and health clubs, putting the industry in the top 20 for most complained about businesses. Not only does BBB receive a lot of complaints about gyms, but complaints increased by 21 percent in 2009 over the previous year.

“Regardless of how eager you are to start losing weight in the New Year, take the time to do your research before joining a gym and don’t give in to high-pressure sales pitches,” said Alison Southwick, BBB spokesperson. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

BBB recommends asking the gym and yourself the following 10 questions before signing up for a membership:

Questions to ask the gym:

What are the terms of any introductory offers?
Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

Will my membership renew automatically?
Every year, BBB receives a large number of complaints from people who joined a gym and didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one so make
sure you understand what steps you would need to take to cancel your membership

What happens if I move?
Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

What happens if you go out of business?
BBB often receives complaints from people after their gym suddenly closed up shop and took their money with them. Ask the gym to explain what will happen to your money if they suddenly go out of business.

Questions to ask yourself:

What are my fitness goals?
Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient? If the gym is across town, you’ll be less likely to workout. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities and make an informed decision.

Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit www.bbb.org/us/Consumer-Tips/.

Idaho recovers $350,000 in second Medicaid fraud settlement with Novartis

12/27/2010

Posted on 12/27/2010 by
Idaho has received $350,045.89 as part of a settlement with Novartis Pharmaceuticals Corporation, Attorney General Lawrence Wasden said. Wasden’s Medicaid Fraud Control Unit joined with other states and the federal government in the settlement.

The settlement resolved allegations that Novartis improperly promoted Trileptal and engaged in unlawful kickback schemes to induce physicians to prescribe Trileptal, Diovan, Zelnorm, Sandostatin, Exforge and Tekturna. Trileptal is an anti-epileptic drug approved by the Food and Drug Administration (FDA) for the treatment of partial seizures in patients who have epilepsy.

The settlement resolved a government investigation into promotional activities by Novartis, which were directed at psychiatrists and other health care professionals, to induce physicians to prescribe Trileptal for uses not approved by the FDA, such as the treatment of bipolar disorder and neuropathic pain. Novartis also offered and paid illegal remuneration to health care professionals to induce them to promote and prescribe Trileptal.

The settlement also resolved allegations that from January 1, 2002 to December 31, 2009, Novartis provided illegal remuneration, through mechanisms such as payments for speaker programs, advisory boards and gifts, including entertainment, travel and meals, to health care professionals to induce them to promote and prescribe the drugs Diovan, Zelnorm, Sandostatin, Exforge, and Tekturna.

Idaho Medicaid will receive $118,661.07 in restitution from the settlement. $231,384.82 in other recoveries to comply with state law will be deposited into the state’s general fund for appropriation by the legislature.

In October, Idaho received $985,105 from a separate settlement with Novartis Pharmaceuticals Corporation and Novartis Vaccines & Diagnostics, Inc., resolving allegations that the company promoted the use of tobramycin, a cystic fibrosis drug, which is marketed under the trade name TOBI®, for uses not approved by the Food & Drug Administration.

BBB Lists Top Scams and Rip-Offs of 2010

12/27/2010

Posted on 12/27/2010 by
As the American economy climbs out of recession, the Better Business Bureau (BBB) reminds consumers that scammers still want to knock people back into their own personal recessions by stealing their money or their identities.

Every day, the BBB receives calls from consumers wondering if a check they received is real or wanting to know if a job or mystery shopper offer is legitimate.

The BBB customer relations specialists are trained to help consumers spot scams and to provide information on legitimate businesses, in addition to taking complaints. We encourage consumers to check with us before doing business with a company or charity.

The BBB list of top scams and rip-offs is by no means exhaustive. Some schemes are old and familiar. Others are new – or appear to be so because they refer to events or people in the news. All are attempts to trick consumers into handing over their money or giving up information that can be used to commit fraud. They are in alphabetical order.

Advance Fee Loans: Websites offer credit-challenged borrowers personal loans. The lenders require fees to be wired in advance to receive the loan. Once the money is wired, borrowers do not get the loan.
Auto Service Contracts: Consumers may receive postcards or phone calls implying that their warranties are about to expire and offering to ease their worries about car repair bills by buying an “extended warranty.” Many consumers then find it extremely difficult to obtain money for any repairs.
Door-to-Door Sales: Salespeople for magazine subscriptions, burglar alarms, home repairs, vacuum cleaners and other items use high-pressure sales tactics to obtain payment for items or services that never arrive or that fail to meet customers’ expectations.
“Free” Trial Offers: Consumers are encouraged to order a product such as teeth-whiteners, acai anti-aging pills or other products, which may be endorsed by a television personality. After they get the product, they discover that they’ve been signed up to receive additional products for a monthly fee that can be hundreds of dollars. It can be extremely difficult to get refunds or stop the fees.
Friend/Family in Distress: Also known as the grandparent scam. The victim receives a message from a “friend” or “family member” claiming they are outside the country and have gotten into trouble. The victim is asked to wire thousands of dollars to pay lawyer’s fees or to post bail.
Lottery and Fake Check Scams: Victims receive letters in the mail from companies purporting to be from a foreign lottery, Publisher’s Clearing House or another well-known company or charity. Often, the letter includes an authentic-looking check. In most cases, victims are asked to wire hundreds of dollars back to the scammers - supposedly to cover taxes or other bogus fees.
Job Hunter Scams: One scam asks job seekers to pay fees to be considered for a job; others schedule an out-of-town interview and ask the applicant to send the money to cover an airline ticket. Other scams attempt to gain access to personal information such as bank account or Social Security numbers, under the guise of somehow evaluating a potential employee.
Mystery Shopping: Consumers may be told they will be paid to shop at a store and evaluate its customer service. Victims may receive authentic-looking checks that are supposed to cover the cost of shopping. They are asked to wire money back to the scammers to evaluate a money wiring service such as Western Union or MoneyGram. The checks are fake, and victims incur a loss and bank fees.
Phishing E-mails: Phishing e-mails from fraudsters masquerading as government agencies or delivery companies pop up in inboxes everywhere. Whatever the setup, the goal of any phishing e-mail is the same: to trick victims into divulging sensitive financial information or to infect the victim’s computer with viruses and malware.
Work-At-Home Schemes: Websites claim that people can make a living from home using Google or Twitter or by buying a kit that includes educational materials or products to sell. Many of these turn out to be free trial offer scams, with victims being billed every month for materials or other mystery charges. Legitimate employers do not ask employees to make an investment up front.

Consumers can learn how to protect themselves or check a business’s BBB Reliability Report by calling 208-342-4649 or by going online to www.bbb.org.

3rd Annual Report on the Children’s Food and Beverage Advertising Initiative Shows Excellent Compliance

12/15/2010

Posted on 12/15/2010 by

Arlington, VA - A progress report released today shows that the companies participating in the Children’s Food and Beverage Advertising Initiative (CFBAI) continue to demonstrate excellent compliance in 2009 with their pledges to advertise healthier foods to kids under 12.

The CFBAI progress report was issued by the Council of Better Business Bureaus, which is responsible for program administration and oversight of pledge compliance. The report shows that, through reformulation and innovation, the leading food and beverage manufacturers participating in the CFBAI continue to achieve steady progress in promoting products to kids that are better for them.

“The Children’s Food and Beverage Advertising Initiative was intended to be a dynamic program that would encourage participants to raise the bar when marketing foods to kids,” said Elaine Kolish, Vice President of the Council of Better Business Bureaus and Director of the CFBAI. “Our unique self-regulation effort continues to show steady progress with many significant enhancements and tightening of program requirements.”

As highlighted in the report, the following has been achieved:

Increased Participation. Post Foods joined in 2009 and Sara Lee joined as the 17th participant earlier this year.

Excellent Pledge Compliance. Pledge compliance in 2009 was excellent. There were only a handful of instances where non-CFBAI approved products appeared in advertising to children. These minor problems were detected and resolved quickly.

Expanded Program Scope. An extensive review that CFBAI conducted in 2009 resulted in several significant program changes. CFBAI now requires that participants devote 100 percent of children’s advertising to “better for you” products, up from the original 50 percent requirement. The participants’ commitments now also cover child-directed ads in new and emerging media, such as child-directed interactive games in all formats, mobile media, DVDs of G-rated movies and DVD content primarily directed to kids and word of mouth advertising.

Substantial Harmonization of Definition of Advertising primarily Directed to Children under 12. As a result of changes earlier this fall, virtually all participants will be using a threshold no higher than 35 percent children 2-11 in the audience to define child-directed advertising.

Additionally, the report notes the ongoing improvement in the nutritional profile of foods that CFBAI participants advertise to kids. CFBAI’s review of TV advertising directed to kids on 38 hours of children’s programming in 2010 found:

> 75 percent of the ads were for products that provided at least 10 percent of the Daily Value of one nutrient that is a shortfall in kids’ diets or a half-serving of a food group to encourage;

32 percent of the ads included at least a half-serving of vegetables or fruit such as apples or applesauce;

33 percent included milk or yogurt; and

27 percent were for products or meals that provided at least 8 grams of whole grains/50 percent whole grains.

The report also notes that 52 percent of the cereals that participants advertise to kids contain no more than 10 grams of sugar. All of these cereals contain less than 130 calories and provide many essential vitamins and minerals; many contain a half-serving of whole grains and are a good source of Vitamin D.

“The evolution of the cereal category is one illustration of how the CFBAI is helping to drive changes in the kids’ food marketing landscape,” said Kolish. “The sugar content in cereals advertised to kids continues to drop from pre-CFBAI levels of 15 or 16 grams per serving. For example, just last week General Mills announced that, after December 31, all the shipments of cereals it advertises to kids will contain no more than 10 grams of sugar per serving, down from 11 grams last year, and the company remains committed to lowering the sugar content to single digits over time.”

A pdf copy of the progress report is available on CFBAI website.

Company pledges and up-to-date nutritional and product charts are available here. Stay on top of CFBAI developments and participant news by subscribing to our e-newsletter. Sign up by sending an email to kidsinitiative@council.bbb.org.

For more information or to schedule an interview with Elaine Kolish, BBB vice president and director of the CFBAI, contact Alison Southwick at 703-247-9376.

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the CFBAI are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars Snackfoods US, LLC; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the pledges of the participants visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative

Check Privacy Policy on "Dear Santa" Websites

12/14/2010

Posted on 12/14/2010 by

New York, NY – More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to e-mail St. Nick. But before allowing children to share personal information with a “Letter to Santa” website, the Children’s Advertising Review Unit (CARU) recommends that adults carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

“Even Santa is required to comply with CARU’s Online Privacy Protection guidelines and the federal Children’s Online Privacy Protection Act,” said Wayne J. Keeley, CARU’s director.

All Websites directed to children – or Websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

CARU offered the following ‘Dear Santa’ site review tips:

Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses – Santa already knows where all the children live.

Check Websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on Website safety and children, please visit CARU at www.CARU.org or contact Linda Bean at 12-705-0129.

Driving On Ice and Snow

12/9/2010

Posted on 12/9/2010 by

Winter driving under slippery road conditions can be frustrating at best and dangerous at all times. But, advises the Better Business Bureau, you can increase your odds of avoiding a fender bender or being trapped in an ice/snow rut by following several simple driving procedures.

Start the winter driving season by getting your car ready for it, suggests the BBB.

Here is a short checklist:

• Have the engine tuned. It will start faster in cold weather and save you plenty of fuel in the bargain.

• Make sure there is sufficient antifreeze in the radiator for the coldest weather expected in your area.

• Double-check radiator hoses for wear and leaks especially around clamps.

• Test the windshield wipers for streaking. New wiper blades are worth the investment. Also make sure there is antifreeze solution in the washer fluid reservoir.

• All lights should be operating properly; brakes adjusted; heater and defroster working; the exhaust system tight and free of leaks.

• In the car carry an ice scraper, snow brush, flashlight, small snow shovel, and and/or traction mats.

All About Snow Tires

On ice with temperatures at –8 C., it takes 195 ft. to stop a car traveling at 13 kph on regular tires. Snow tires cut braking distance to 174 ft., and reinforced chains reduces it to 77 ft. Therefore, if your area is prone to icing conditions and law permits, your best bet is chains, not snow tires.

Snow tires, however, do improve traction on freshly fallen snow, snow tires with metal tungsten carbide studs will improve the traction on packed snow and ice. It's wise to let a professional install the studs, advises the Better Business Bureau. If some studs work their way out of the tire, don't attempt to have the studs replaced or have the tires re-studded when the original studs wear down.

Snow tires should be mounted on the rear wheels if the car is powered via the rear wheels. Put snow tires on the front wheels if the car has front-wheel drive. For 4-wheel drive, mount snow tires on all four wheels. Snow tires must be properly installed on the rims of wheels and they should be balanced just like regular tires. Also, maintain correct tire inflation; don't under-inflate the tires to get more tire traction. Always remember to check out the reliability of any shop with your BBB before doing business with them.

Driving On Ice And Snow

The normal reaction to a snow or ice-bound car is to gun the engine and spin the tires until they bite into the road surface below the snow or ice. The direct opposite is the solution to unsticking the car.

Start the traction wheels turning very slowly; keep the steering wheels straight. Then gently slip the car into a lower gear without spinning the wheels. Traction is best just before the wheels start to spin.

If the wheels spin, try rocking the car by gently slipping the shift from second gear to reverse in a series. If this fails, fill the ruts with sand or a traction mat to move ahead. Once underway, keep going until the car is level. Then return to retrieve the traction mats if you used them.

When going up a hill that is slippery, give the engine the gun at the bottom of the hill for extra momentum. If the wheels start to spin, release the foot pressure from the accelerator.

For skidding, take your foot off the accelerator and steer the front of the car in the same direction as the rear of the car is skidding. When the car starts to straighten, turn the front wheels straight. Do not brake!

Other slippery driving tips:

• Pump the brakes; don't floorboard them. Pumping action gives the best steering control during the mini-seconds the brakes are off. When the brakes go on, the wheels lock and perform like runners on a sled.

• Reduce car speed as you approach curves, shaded areas of roadways such as underpasses, and on bridges. Brake before, not into, a turn.

• Slow down by smoothly shifting the car into a lower gear and pumping the brakes.

• Never lower tire pressure to get more traction. Lower pressure reduces your control over steering and wears out tires. It is not an effective method of increasing traction.

• Don't tense up and "over drive" the car. More accidents are caused by over correction than the original skid.

Five Mistakes to Avoid When Donating to a Charity

12/8/2010

Posted on 12/8/2010 by

Arlington, Va. -- Every holiday, billions of dollars are donated to worthy causes and now more than ever charities need the support of donors to help those who are struggling. The BBB Wise Giving Alliance advises donors on how to avoid five common mistakes in order to ensure their dollar stretches the farthest in these tough economic times.

“With so many people out of work and in need, it’s extremely important that you maximize the impact your holiday donations have by avoiding the common giving mistakes,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “A smart donor takes a hard look at a charity’s programs, finances and governance before making a donation. While almost all charities have the best of intentions, not all organizations meet standards or are well managed.”

BBB Wise Giving Alliance recommends that donors avoid these common mistakes when donating to a charity this holiday:

Assuming that only “low overhead” matters. How much money a charity spends on the actual cause—as compared to how much goes toward fundraising and administration—is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.
Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don’t just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB’s 20 Standards for Charity Accountability.
Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.
Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item’s acceptability, call the charity and ask.
Mistaking a charity’s identity. With so many charities in existence, their names can blur in a donor’s mind and similar-sounding organizations are common. Be sure you know which charity you’re supporting and that it’s not a case of mistaken identity.

Donors can check out BBB Wise Giving Alliance evaluations on national soliciting charities for free at www.bbb.org/charity.

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

State Record Retrieval Board Targeting Idaho Consumers with Misleading Direct Mail Offer

12/7/2010

Posted on 12/7/2010 by
State Record Retrieval Board
1116 Vista Avenue, # 303
Boise, ID 83705
Phone: (888) 637-2652

It has come to the attention of the BBB that Idaho residents are receiving misleading mailings from a company by the name of State Record Retrieval Board. The solicitation targets homeowners advising them of the importance of obtaining a copy of your property deed for a fee of $87.

The return address for the company is not a physical location but a drop box located at a UPS store in Boise, ID. According to our research, a similar mailing is being sent to consumers throughout the US. The telephone number for the company remains the same but the addresses vary according to the location the company is targeting.

This company’s headquarters are located in CA and has an F rating with BBB for two unanswered complaints. Customers report having received a letter from the company that lists their deed number recommending that landowners keep a certified copy of their deed on hand as evidence that the property was transferred properly. The letter conveys a sense of urgency and the tone suggests homeowners have to obtain a deed directly from State Record Retrieval Board.

BBB ADVICE
Consumers are advised that their county recorder’s office keeps property deeds on file, homeowners can request a certified copy of their deed from their own county auditor/recorder’s office. The cost varies depending upon the number of pages.

Do you even need a certified copy of your deed? If you already have the original, then no. And if you sell the property, you won't need the deed to sign it over to the buyer; you'll have a new deed prepared for that purpose. You may need the old deed only to obtain the property description.

BBB BUSINESS REVIEW for STATE RECORD RETRIEVAL BOARD
http://www.la.bbb.org/Business-Report/State-Record-Retrieval-Board-100096224

Extortion Scam Related to Delinquent Payday Loans

12/7/2010

Posted on 12/7/2010 by
FBI National Press Office (202) 324-3691

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller’s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.

Tips to avoid becoming a victim of this scam:

Never give your Social Security number—or personal information of any kind—over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

"Warning to Veterans!!" Email is a Fake

12/7/2010

Posted on 12/7/2010 by

Someone pretending to be an attorney with the U.S. Department of Veterans Affairs (VA) is sending an email to military veterans “warning” them against using the services of a group called Veterans Affairs Services. BBB Military Line, a complaint resource specialized for the military and their families, has received several inquiries about the email.

The email appears to come from, “Michael G. Daugherty, Staff Attorney with the Department of Veterans Affairs, Office of General Counsel (022G2)”. The email header, however, shows that it was sent by Jon Thompson with an email address: jkt6@comcast.net.

BBB Military Line officials have confirmed with the VA that Michael Daugherty is, in fact, an attorney with the VA Office of General Counsel but did not send the email and that no emails of this nature are being sent by the VA.

It is reasonable to suspect that the email may be an attempt to upload a virus as it contains a Facebook link directly beneath the first paragraph of the message.

The BBB advises anyone who receives this email to not click on the link. You should never click on links in emails that are from unknown sources as they may contain viruses. Such viruses are typically designed to steal private information from your computer. Also, the VA advises veterans seeking the assistance of a VA-recognized service organization for purposes of submitting a claim for VA benefits to search at the General Counsel’s accreditation search page: http://www4.va.gov/ogc/apps/accreditation/index.asp.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.bbb.org for more information.

BBB Warns Consumers Of Five Scams To Avoid During Hectic Holidays

12/6/2010

Posted on 12/6/2010 by
Holidays can be hectic, and scammers are counting on harried consumers letting down their guard, whether shopping online, juggling packages at the mall or simply reading their e-mail.

The Better Business Bureau (BBB) has identified five common scams that consumers should watch out for and avoid as they shop, whether online or in stores.

While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams. We all can help make these holiday scams a ghost of Christmases past by not falling for them anymore.

Online shopping scams: We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season, the BBB hears from holiday shoppers who paid for a “great deal” online, but received nothing in return.

BBB advice: Always look for the BBB logo when shopping online and click on it to confirm that it is legitimate. If you’re shopping on sites that aren’t household names, check them out with the BBB before you buy at www.bbb.org or by calling 208-342-4649. Confirm that the company has a legitimate address.

Nabbing the season’s hottest toys and gadgets online: When stores sell out, you may find the items online at sites like Craigslist or eBay— but for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct transactions in person. Bring along a friend if you’re uncomfortable meeting the seller alone. Never wire money as payment. If you’re shopping on auctions like eBay, research sellers extensively and listen to your doubts if the deal sounds fishy or too good to be true.

Identity theft at the mall: While you’re struggling at the mall with bags of presents, identity thieves may see an opportunity to steal your wallet or your debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases or lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM. Make sure you put your card back in your wallet after each purchase.

Bogus charitable pleas: The holidays are a time of giving, and that creates an opportunity for scammers to solicit donations to line their own pockets. Beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans. Resist demands for on-the-spot donations.

BBB Advice: Always research charities with the BBB before you give to see if the charity meets the BBB’s 20 Standards for Charity Accountability. Up-to-date reports on local and national charities are available at www.bbb.org/charity.

Phishing e-mails: Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Around the holidays, beware of e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

BBB Urges Consumers To Check Fine Print On Gift Cards

12/6/2010

Posted on 12/6/2010 by
When you’re stumped for a gift idea, a gift card may sound like a good alternative to cash or an unwanted present. But many cards still come with fees and other restrictions that can erode their value, the Better Business Bureau (BBB) warns.

Gift cards are an $87 billion industry, according to TowerGroup, a market research firm. Retailers like the cards because they get cash up front and they draw traffic to stores or websites. However, unspent cards can be a loss to consumers.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act, which took effect recently, provides some protection to consumers who buy or receive gift cards. The law applies to gift certificates, store gift cards and general-use prepaid cards, which are usable at many merchants and may be branded by payment networks, such as Visa or MasterCard.

For example, consumers will now have at least 12 months to use gift cards before they lose value. The CARD act requires that card balances remain valid for five years after issuance or after they were last loaded with money, whichever occurred later. After a year, only one fee can apply per month, and the amount and terms for fees must be disclosed to the user in advance.

Some fees, such as issuance or sales fees, aren’t covered by the CARD Act. The fees may chip away at the balance each time a user makes a transaction, checks the balance, requests a replacement card or calls customer service, for example.

Gift cards may look like a good deal, but it pays to check the fine print before you buy one. You may be better off simply giving cash or a check rather than a piece of plastic.

Consumers need to keep the following tips in mind when making a gift card purchase:

There is no maximum when it comes to monthly fees that can apply after a year of inactivity. A company could charge a very high amount as long as the fee is disclosed when you buy the card.
The plastic card may expire before the five-year redemption period required under the CARD act. Some cards operate like debit or credit cards and have an expiration date. To redeem the balance, you may need to ask for a new card. Expiration dates should be disclosed when you buy the card.
Check the terms and conditions of the gift card. If you are giving a card to a friend who wants to shop online, make sure the card can be used for that and not just in a store. Fees and limitations should be printed on the packaging of a gift card.

Research any company carefully before doing business with it. Check out BBB Reliability Reports online at www.bbb.org or by calling 208-342-4649

BBB Calls World Reserve Monetary Exchange Ads Offering Free $2 Bills Misleading

12/6/2010

Posted on 12/6/2010 by

St. Louis, Mo., Dec. 2, 2010 - Consumers hoping to cash in on an advertised offer of “absolutely free” $2 bills may end up frustrated and disappointed, the Better Business Bureau (BBB) warns.

The company behind the ad is World Reserve Monetary Exchange, Inc., of Canton, Ohio. “St. Louis area zip codes turn up free cash for residents,” said the headline on the advertisement which ran last month in the St. Louis Post-Dispatch. “Valuable uncut sheets of Missouri state $2 bills are actually being given away free.”

Michelle L. Corey, president and CEO of the BBB, said the only way to get the $8 in so-called free money is to buy 12 additional $2 bills at a cost of nearly $160. “It may sound bizarre, but this company is banking on people willing to pay $160 cash in return for $32. If you’re looking for novelty items to show your friends or family, you might be interested. But if you are looking for an investment, this is probably not the wisest choice.”

World Reserve Monetary Exchange and several affiliated businesses, including Universal Syndications, Inc., have advertised in newspapers and other publications nationwide, including Missouri and Illinois. The company is a division of Arthur Middleton Capital Holdings of Ohio and Miami Beach, Fla., according to the holding company’s website. The holding company also oversees companies that have sold controversial Heat Surge heaters, healthcare plans and “free” digital TV converter boxes. The TV converter box ads were labeled misleading and confusing by the Columbus, Ohio, BBB in 2008.

More than 300 consumers have filed complaints against Universal Syndications/World Reserve Monetary Exchange with the BBB. Many of the complaints dealt with concerns over misleading ads, high-pressure sales tactics, an inability to get refunds and difficulty getting the company to stop charging for additional products.

Since 2007, attorneys general in at least three states have taken action against the firm. Connecticut Attorney General Richard Blumenthal that year called on consumers to reject the company’s “phony discount offer” for sheets of $1 bills, as advertised in full-page newspaper ads. In May 2008, Massachusetts Attorney General Martha Coakley obtained an agreement from the company to stop running misleading coin and currency advertisements.

In July 2009, Pennsylvania Attorney General Tom Corbett reached an agreement calling for the company to stop misleading advertising and to refund money to consumers. Corbett said the company’s full-page newspaper ads offering millions of dollars in surplus cash were deceptive. “These advertisements led people to believe that they could claim cash that was ‘up for grabs,’ but that was not the case at all,” Corbett said.

The newspaper ad for the $2 bills says: “St. Louis area residents who find their zip code on the distribution list will feel like they just won the lottery. That’s because for the next 48 hours, full uncut sheets of Missouri state overlaid $2 bills are being handed over free . . . directly to St. Louis area residents who beat the deadline.”

The ad quotes Jefferson Marshall, executive director of the private World Reserve. “Residents who want to get the free bills had better hurry and call now,” he said.

A company representative who spoke by phone to a BBB investigator posing as an interested consumer suggested that he purchase as many of the bills as possible. “I think it is a very good investment, and that’s why we are offering it,” she said. “Our lines have been really, really busy today with people making these purchases.”

The representative said that the only way to get the four free $2 bills was to purchase a set of 12 of the bills for $158.88, with shipping. She said she would process an order for five sets of the bills, never indicating the total cost of more than $700.

Robert Kravitz of Chesterfield, Mo., a board member of the Missouri Numismatic Society, a national board member of the Society of Paper Money Collectors and a coin and currency dealer and collector for 40 years, said the offer is misleading. Kravitz noted that millions of $2 bills are available at face value and said the addition of the overlays of the Gateway Arch and St. Louis skyline actually would reduce the value to a serious collector. “These $2 dollar bills are never going to be worth more than two bucks,” he said.

A resident of Fredericktown, Mo., told the BBB that he had responded to a July advertisement offering the Missouri overlaid $2 bills. He said he thought he was getting 16 of the bills for $61, but received only four.

A week later, the man received a package with an Oregon overlaid $2 bill and discovered the company had enrolled him in an ongoing $2 bill program that would charge his credit card $98 a month for six months, even though he never agreed to the program. After waiting on the phone for more than an hour, he ultimately was able to pull out of the program and get a refund.

A man from Union, Mo., said he phoned the toll-free number on the ad, in hopes of taking advantage of what he thought was an offer of free money. When he found his zip code among those listed, he said he thought, ‘hey, here’s my zip code; maybe I’m going to get something for free.’” Instead, he ended up giving a debit card number to a representative and soon after found his account debited nearly $800. He said he called the company and believes he was able to cancel the order. “I was a fool,” he said.

A woman in Brooklyn, N.Y., told the BBB that her 86-year-old father was victimized by the company this summer. She said he agreed to give his credit card number to a friend at his senior citizen center in order for her to buy some of the bills. Soon after receiving his order, the company sent him a second much larger shipment of the bills that he never ordered. The daughter said the company had begun charging monthly payments of more than $100 for the merchandise. She credited the BBB with helping her resolve the issue.

Officials with World Reserve Monetary Exchange declined to respond to questions from the St. Louis BBB regarding the advertisement.

The BBB suggests that consumers buying items offered as collectibles be extremely cautious. It offers the following tips when dealing with such advertised offers:

Read the entire ad carefully, looking for disclaimers and other information that indicates the offer may not be what it seems. Make sure you understand exactly what you are ordering and how much it will cost, including shipping.
Be wary of any offer that indicates the merchandise is a collectible and may increase in value. New items that are sold as collectibles often lose value.
Be cautious of any company that advertises free merchandise. Such offers usually are contingent on purchasing other items.
Be cautious of any company that advertises a time limit when offering merchandise. That is often done to create a false sense of urgency for the consumer.
Contact the BBB for Reliability Reports by going to www.bbb.org or by calling 208-342-4649.

National Campaign Succeeds in Protecting Thousands Against Identity Theft

11/24/2010

Posted on 11/24/2010 by

Arlington, Va. – The recent 2010 Protect Your Identity Week (PYIW) campaign hosted by the National Foundation for Credit Counseling (NFCC) and the Council of Better Business Bureaus (CBBB) will be one for the history books, breaking records while protecting tens of thousands of consumers against the crime of identity theft.

Consider that during the one-week campaign

190 events were held in 40 states serving more than 24,000 consumers in-person
882 tons of material was shredded at events
More than 28,000 consumers visited the www.ProtectYourIDNow.org English website and the www.cuidesuidentidad.org Spanish website
Over 6,000 consumers took the Identity Theft Risk Check^SM in either English or Spanish

Additionally, the event broke an existing Guinness World Record™. Consumer Credit Counseling Service of Orange County, GreenPath Debt Solutions and BBB of Detroit & Eastern Michigan, and Consumer Credit Counseling Service of Delaware Valley were designated to compete in the Guinness category of Most Paper Collected in a 24-Hour Period. The existing record of 2,204 pounds was toppled by those three locations which collectively shredded a total of 31,979 pounds.

Cintas Corporation, national shredding partner for PYIW, provided free document destruction for events across the country, including the three that participated in breaking the world record.

“Protect Your Identity Week has grown to become a nationwide mobilization of government agencies, non-profits, business, and consumers coming together to fight identity theft and BBB is proud to work with the NFCC to make it happen,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Even though the week is over, BBB is still here throughout the rest of the year to help educate small business owners and consumers on how to protect their identity.”

“The incredible amount of interest in this nationwide event confirms that consumers are concerned about protecting their identity, and are willing to take the necessary steps to arm themselves against this crime,” said Bob Ensinger, COO of the NFCC. “Further, our Coalition Members and sponsors believe that education around identity theft is the best protection, and provided guidance, leadership and promotion of the event, helping to make it a success.”

Intersections, Inc, a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard ® brand, served as a presenting sponsor of Protect Your Identity Week 2010.

Wireless Alliance, national electronic device recycling partner, provided free cell phone disposal at many community events, resulting in hundreds of phones being responsibly disposed of and recycled.

MSN Money once again served as the national media sponsor for PYIW, with well-recognized personal finance writer, Liz Pulliam Weston, dedicating an article to identity theft protection. Additionally, nationally-known identity theft expert and blogger, Robert Siciliano, supported PYIW through numerous blogs on the PYIW websites.

The impressive list of organizations joining the NFCC and BBB as Supporting PYIW Coalition Members includes: American Bankers Association Education Foundation, American Financial Services Association Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

The websites, www.ProtectYourIDNow.org and www.cuidesuidentidad.org, will remain live to serve as a resource to consumers. The Web sites include identity theft prevention tips, videos, an interactive quiz to assess your risk of identity theft, and resources for victims.

The NFCC and the CBBB encourage consumers to remain committed to protecting themselves against identity theft, particularly as the holidays approach. Putting prevention tips in place is a much better option than spending time and money recovering from ID theft.

For more information about PYIW 2010, or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322 or Alison Southwick with the BBB at 703-247-9376.

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About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

About National Foundation for Credit Counseling
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its Members to deliver the highest quality financial education and counseling services. NFCC Members annually help four million consumers through more than 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit www.nfcc.org.

Five Tips for Staying Safe on the Roads over the Holidays

11/22/2010

Posted on 11/22/2010 by

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather all the way to Grandma’s house. Staying safe should be a top priority for all travelers so the Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

Every year, holiday travelers take to the skies and hit the rails, but most spill onto the highways. Last year, AAA estimated that 87.7 million Americans traveled more than 50 miles over the holidays—85 percent of which drove.

“Because of weather conditions and increased traffic, staying safe on the roads over the holidays takes a few additional precautions,” said Alison Southwick, BBB spokesperson. “Before loading up the family, make sure the car is in good shape and you’re prepared for bad weather. While you’re driving, put down your cell phone or GPS and focus on the road ahead.”

The BBB recommends taking the following steps for safe driving this holiday season:

Create a car safety kit – Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include a blanket, flashlight with extra batteries, radio, first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

Take the car in for a checkup – Breaking down on the side of the road can definitely put a damper on the holiday spirit. If your car is due for a check up, take it in before making that long haul. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

Take the Better Business Bureau with you – When you’re away from home or in the midst of an emergency, it’s hard to know which businesses—such as tow trucks and locksmiths—you can trust. The good news is you can now rely on BBB’s mobile optimized website for finding businesses you can trust when you’re away from your computer.

Start early and slow down – The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents which increase traffic even more. Also, if you’re caught speeding by law enforcement, that adds travel time and puts a dent in your holiday spending.

Drop the distractions – According to the National Safety Council, 28 percent of accidents happen when people are talking on their cell phone or sending text messages. When you’re behind the wheel, don’t text and drive, use a hands free headset when talking on the phone and get someone else to fumble with the GPS.

For more advice on staying safe over the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Finding a Trustworthy Kennel to Board Your Pets

11/15/2010

Posted on 11/15/2010 by

As much as pet owners may want to take their furry or feathered friends with them where ever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why the Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. Common complaints include disputes over billing, but also over the treatment of the pet. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst case scenarios include pets that became extremely ill from their stay at poor facilities which resulted in lengthy stays at the animal hospital.

“For many of us, our pets are like family and leaving them in the care of someone else can be nerve-wrecking and the stress can overshadow your whole trip,” said Alison Southwick, BBB spokesperson. “Taking a few moments to do your research and find a kennel you can trust will make your time out of town much easier for you and your pet.”

If you are looking for a reliable kennel, the BBB recommends the following checklist:
• Check the kennel out with the BBB first to make sure they have a good track record for keeping customers satisfied.
• Ask your friends, neighbors, veterinarian or local animal shelters for recommendations. Also, the Pet Care Services Association website has a pet service locator that may be helpful in your search.
• Personally visit the facilities. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.
• If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.
• Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.
• If your state requires inspections look for the certificate on the wall and make sure the kennel is properly licensed.
• Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.
• Note the friendliness of staff members and how they interact with the other boarding pets. Ask about their background and experience.
• Make sure the facility requires that all entering pets have proof of immunization and ask about their policies regarding flea and tick control.
• Ask about the hours for drop off and pick up and make sure you understand their billing policy.
• Finally, ask what happens in the case of a medical emergency or other unexpected situation.

For more advice on finding reputable businesses around the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/15/2010

Posted on 11/15/2010 by

Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau recommends 10 tips for staying safe when holiday shopping online.

Every year, more people head online—rather than to the mall—to get their holiday shopping done. Last year, 96.5 million Americans shopped online during Cyber Monday while 79 million Americans shopped at brick-and-mortar retailers on Black Friday, according to the National Retail Federation.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Alison Southwick, BBB spokesperson. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone—except, of course, for scammers and hackers.”

Following are the “Top 10 Online Shopping Tips” for holiday shoppers to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/

Frequently asked questions about the BBB’s letter-grade ratings system

11/11/2010

Posted on 11/11/2010 by

Frequently asked questions about the BBB’s letter-grade ratings system

From time to time, your BBB is asked about the letter-grade ratings system. From the Council of Better Business Bureaus, here is an updated FAQ about the ratings system.

What is the ratings system?

The BBB rating system relies on an A+ through F letter-grade scale. The grades represent BBB’s degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns filed with BBB.

Why did BBB change its ratings system?

BBB updated its reports to help consumers more easily and quickly identify and compare the reliability of businesses based on BBB’s unbiased evaluation. Previously, BBB awarded businesses either a “satisfactory” or “unsatisfactory” grade, which did not provide as much insight as a letter grade.

What goes into a business’s letter-grade rating?

The ratings system relies on a proprietary formula that takes into account 17 factors based on objective information and actual incidences of a business’s behavior that have been evaluated by BBB professionals.

How is the letter grade computed?

Businesses are awarded points based on 17 factors, which are weighted according to BBB’s assessment of the importance of each factor. The points are calculated and a letter grade is awarded based on the point range the businesses fall into.

How are the factors weighted?

In most cases, complaint history drives a business’s letter-grade rating. Nearly 85 percent of the points that can be earned by a business is determined by consumer-reported complaints that have been verified and evaluated by BBB. There are some overarching factors that will impact a business’s rating even if there have been no complaints to date, such as: how long the business has been operating, government actions, and advertising and competency license issues.

How often are ratings reviewed and/or changed?

Any time new information is reported to and/or collected by BBB and evaluated by our professionals, the rating is updated.

What do you tell a business that wants to know how to increase its letter grade?

First and foremost, BBB will want to examine what the specific deficiencies are – i.e., the issues that contribute to the business’s rating. From that research, BBB can then offer specific, qualified guidance on how the business can improve its BBB rating. In general though, BBB can certainly recommend to any business that it consistently treat its customers in a fair and honest manner. And, if honest mistakes are made, take prompt and appropriate action to resolve issues in a timely manner.

Where can consumers find a business’s rating?

Individual business ratings are prominently displayed at the top of BBB Reliability Reports. Consumers can research the reports of more than four million businesses online, free of charge, at www.bbb.org.

What does NR mean?

Generally, BBB assigns a business an “NR” (No Rating) under the following circumstances: Report is being updated, BBB doesn’t have enough information on the business and/or hasn’t had sufficient time to assess the business, or BBB has determined the business is no longer operating.

Will larger businesses receive lower grades because they likely will receive more complaints due to the sheer volume of business they do?

No. BBB takes into account the size of a business, such as the number of customers, when evaluating the volume of complaints.

Why is length of time in operation a factor?

How long a company has been in business is one of the first things consumers consider when researching a company to hire. They want to have a degree of confidence that the business has experience and a track record, so our formula factors this key consideration in.

Are BBB Accredited Businesses guaranteed a higher grade than non-accredited businesses?

No. While BBB Accredited Businesses do receive additional points, other factors contribute to a company rating and non-accredited businesses can also have favorable ratings.

Why are BBB Accredited Businesses getting points?

To be accredited, a business has been thoroughly reviewed by BBB, meets the organization’s high standards for integrity and reliability when dealing with consumers, signs an agreement with BBB to continue to abide by these standards and supports BBB's efforts to educate and protect the public. In addition, under this agreement, the business must work with BBB in good faith to resolve consumer complaints.

Is it fair that BBB receives money from Accredited Businesses?

Like most standards-based organizations that provide accreditation, we charge a business for the time and costs associated with reviewing and monitoring their organization. As a result, we are able to provide many important and valuable services to all consumers free of charge, such as BBB Reliability Reports.

Why do you (how can you) rate non-accredited businesses?

The more information we can provide the public, the better informed they are to make a good choice when hiring or doing business with a company. Therefore, when we have sufficient information to evaluate a business based on our 17 factors, we will provide a report and subsequent letter grade.

Largest Extended Auto Warranty Sellers Barred From Idaho

11/10/2010

Posted on 11/10/2010 by
The former owners of U.S. Fidelis, once the nation's top seller of extended auto warranties, are permanently prohibited from selling auto service contracts or telemarketing in Idaho, Attorney General Wasden said today. The legal settlement also restricts how the owners, Darain and Cory Atkinson, advertise any other product or service and requires them to surrender nearly all their assets.

U.S. Fidelis operated as National Auto Warranty Services and Dealer Services until its bankruptcy last spring. More than 400,000 consumers nationwide paid the Wentzville, Mo., company thousands of dollars for service contracts the attorneys general alleged were sold through illegal and deceptive means. Its founders, Missouri brothers Darain and Cory Atkinson, were also accused of plundering $101 million in corporate assets for their own personal gain.

”These individuals got rich by blanketing the country with deceptive mailings, unwanted telephone calls, and high pressure sales tactics, often aimed at senior citizens,” Attorney General Wasden said. “They made millions selling nearly worthless service contracts, in many cases to people who were covered by a manufacturer’s warranty. This settlement prohibits them from repeating those practices in Idaho.”

Wasden and ten other state attorneys general sued the defunct company and the Atkinsons earlier this year, alleging the defendants engaged in illegal actions stemming from deceptive junk mail, telemarketing robocalls and misleading TV ads. The complaint alleged the company’s solicitations misled consumers to believe their auto warranties had expired or would soon expire and confused customers into thinking that they were being contacted by a manufacturer or other entity affiliated with their original vehicle warranty. Many consumers who were led to believe they were purchasing a warranty providing “bumper to bumper” coverage of all major repairs later found the contracts full of exemptions.

The states also accused the defendants of violating Do-Not-Call laws, using technology to bypass caller ID and mask the origin of sales calls, refusing to allow consumers an opportunity to review the complete written service contracts, denying valid refund requests, improperly obtaining consumers’ personal information and violating state telemarketer registration laws.

The Atkinsons denied any wrongdoing but agreed to surrender at least 90 percent of their assets pursuant to a related bankruptcy agreement, including assets from 20 related corporations.

The settlement also restricts the Atkinsons’ future business and marketing practices, prohibiting them from:

· Telemarketing in any of the participating states.

· Marketing or selling motor vehicle service contracts.

· Misleading consumers about the source of an offer.

· Disproportionately targeting consumers 65 or older.

· Selling or providing personal information obtained from a consumer to unaffiliated companies for marketing purposes without the consumer’s consent.

Idaho filed its settlement today in Fourth District Court in Ada County.

The Atkinsons owe Idaho $93,000 in civil penalties and costs related to the investigation and litigation. With the surrender of their assets, any recovery will come from the U.S. Fidelis bankruptcy.

The other participating states are Arkansas, Iowa, Kansas, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Washington and Wisconsin.

BACKGROUND

U.S. Fidelis was the nation’s largest extended warranty dealer for autos before its collapse. State attorneys general began investigating U.S. Fidelis in 2008. The company declared bankruptcy on March 1, 2010. The states, whose earlier attempt to negotiate a settlement had stalled, filed their lawsuit soon after the bankruptcy announcement.

In October 2010, a federal bankruptcy judge said he will approve a settlement that requires the Atkinsons to give $10.5 million to U.S. Fidelis and surrender millions in additional assets, including Darain’s 40,000-square-foot mansion, a 50-foot yacht and 10 other boats, 11 autos and 14 motorcycles. The bankruptcy settlement was conditioned on the states’ agreement to settle claims with the Atkinsons.

Verizon has sued U.S. Fidelis for making three million illegal calls to cell phone customers over seven months in 2008, and BMW and Subaru brought a lawsuit for trademark infringement. The Federal Trade Commission sued U.S. Fidelis’ contracted telemarketer, Voice Touch, for robocalls. In March, Voice Touch agreed to pay more than $655,000 in consumer restitution and is banned from telemarketing.

'Tis the Season for Holiday Scams

11/10/2010

Posted on 11/10/2010 by
The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Alison Southwick, BBB spokesperson. “We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online
We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBB hears from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. When shopping on sites that you aren’t household names, check the business out with the BBB before you buy.

Finding the season’s hottest toys and gadgets online
Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall
While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Bogus charitable pleas
The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

Phishing e-mails
Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

For more advice on being a savvy consumer this holiday season, visit us online at www.bbb.org/us/consumer-tips-holiday/

Fighting Cold and Flu Season in the Workplace

11/3/2010

Posted on 11/3/2010 by

Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Alison Southwick, BBB spokesperson. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home - Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office - Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example - Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at www.bbb.org/us/Business-Tips-Index/.

Five Steps to Create and Keep a Holiday Budget

11/3/2010

Posted on 11/3/2010 by

Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Alison Southwick, BBB spokesperson. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.
The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.
Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at www.bbb.org/us/article/tips-on-how-to-develop-a-working-budget-6101

Step Three: Estimate Extra Holiday Expenses
A lot of little purchases have a way of adding up over the holidays and it’s important to consider all of the expenses of the season including:

• Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

• Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

• Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

• Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

• Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance.

Step Four: Revisit, evaluate and revise your budget along the way.
Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine.

Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals.
If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

More advice on saving money over the holidays is available online at www.bbb.org/us/consumer-tips-holiday/

No Matter How You Give, Give Wisely with Advice from the BBB Wise Giving Alliance

11/2/2010

Posted on 11/2/2010 by

Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Chronicle of Philanthropy, charitable donations to the largest charities were down 11 percent last year. Despite the tough economy and the overall decline in giving, donors are still looking for ways to help the less fortunate particularly around the holidays. According to the Salvation Army, red kettle donations in November and December of 2009 actually increased by $9 million over the previous year.

“Despite the downturn in the economy, people are still looking for creative or small ways that they can give back and support those who are even less fortunate over the holidays,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “However you decide to give, it’s important to stop and take the time to research the charity thoroughly to make sure that your dollar stretches the farthest it can in this tough economy.”

How you give—and not just what you give—to a charity matters. Following are five common ways that people donate to charities over the holidays and a few things to consider:

Give items – Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop - Many charities have had great success partnering with businesses who agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt which is called embedded giving. See if the embedded promotion states which specific charity will receive the collected funds.

Give online – Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review and look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging – The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take months to reach the charity so consider donating directly to a charity through its website if there is an urgent need.

Give your time – In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Five Steps to Create and Keep a Holiday Budget

11/2/2010

Posted on 11/2/2010 by

Step Three: Estimate Extra Holiday Expenses
A lot of little purchases have a way of adding up over the holidays and it’s important to consider all of the expenses of the season including:

• Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

• Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

• Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

• Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

• Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance.

More advice on saving money over the holidays is available online at www.bbb.org/us/consumer-tips-holiday/

How to Get a Temporary Job Over the Holidays

11/2/2010

Posted on 11/2/2010 by

Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a much welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Alison Southwick, BBB spokesperson. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

BBB offers the following advice for job hunters this holiday season:

Start the job search earlier rather than later.
The key to landing a seasonal job is to start searching early. Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time for job hunters to determine which job suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop.
Try to identify seasonal employment with businesses you actually shop at or frequent. You will already be familiar with the company and its products and, secondly, discounts available for employees mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward.
Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible.
Full-time employees usually have first dibs on the preferred hours and shifts, so, as a seasonal employee, expect to work long, sometimes inconvenient hours including working on Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.
For more advice on making it through the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Protect your Debit Card Number from ATM skimming

11/2/2010

Posted on 11/2/2010 by

Even if you’re choosy about which ATMs you use, you can still become a victim of identity thieves who place seamless devices on machines to steal debit card information. ATM skimming is a growing problem and the Better Business Bureau recommends consumers take a few steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

Identity thieves tamper with ATMs in any number of different ways in order to steal debit card numbers and PINs. It only takes a few seconds to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Alison Southwick, BBB spokesperson. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

Following are a few ways to fight identity thieves at the ATM:

Protect your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.

Give it a wiggle – Skimming devices are often false panels attached to the ATM—such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.

Be picky with your ATMS – Avoid using ATMs in poorly lighted or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on your statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts—particularly the itemized breakdown of charges and debits—so that you can quickly report any suspicious activity on your account.

Report fraud immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.

For more advice on fighting identity thieves and preventing fraud, visit us online at www.bbb.org/us/consumer-tips-scams/.

The Council of Better Business Bureaus Joins the Identity Theft Council in the Fight Against Identity Theft in the U.S.

10/29/2010

Posted on 10/29/2010 by

Arlington, VA – October 27, 2010 – The Council of Better Business Bureaus today announced that it has become an official supporter of the newly launched Identity Theft Council (ITC), one of the largest national community-based identity theft victim support and education initiatives. The ITC is a non-profit, grassroots movement, aiming to find more effective ways to combat identity theft at a local level and to provide better long-term support for victims. The San Francisco Better Business Bureau will participate in the first regional launch of the ITC in San Francisco today and brings the support of the nationally-trusted non-profit organization to the partnership.

”The Identity Theft Council is an unprecedented coalition of national and community-based organizations who are taking on the challenge of fighting ID theft and helping victims recover from its devastating impact,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “The Better Business Bureau is proud to be supporting this important grassroots initiative to help consumers fight fraud.”

The founder and executive director of the ITC, nationally renowned security expert Neal O’Farrell, has seen first-hand the many challenges that law enforcement agencies face when it comes to handling the hundreds of identity theft cases that come across their desks each day. As a way to remove the burden from law enforcement and provide assistance to victims of identity theft, O’Farrell and founding partner Intersections Inc., established the ITC.

The ITC is creating a nationwide network of local partnerships between law enforcement, the financial industry, and community volunteers to provide hands-on support for victims of identity theft, help law enforcement provide a more coordinated response, and to improve education and awareness. The ITC’s first line of defense is its locally trained volunteer counselors; these individuals lead victims of identity theft through the response and recovery process. For more complex identity theft cases, ITAC, the Identity Theft Assistance Center, operated by Intersections Inc. on behalf of the Identity Theft Assistance Corporation, will provide additional outside support and recovery services. The ITC is also providing police departments with free, specialized training they need to assist victims.

“The mission of the Identity Theft Council is to provide identity theft victims with greater long term support and recovery assistance in their local communities while helping to reduce the incidence of identity theft by improving local awareness and education,” said Neal O’Farrell. “We are thrilled that the Council of Better Business Bureaus has decided to join us in our efforts.”

In early 2010, the pilot program was implemented in more than two dozen cities and police departments across the San Francisco Bay Area including Hayward County, Alameda County and Contra Costa County. By the end of 2010, more than 100 cities and communities across northern California are expected to be participating in the ITC, creating a model and launch pad for Councils to form across the country.

About the Identity Theft Council
Established in early 2010 in the San Francisco Bay area, the Identity Theft Council (ITC) is a non-profit, grassroots organization that provides identity theft victims with free, ongoing support and identity recovery assistance in their local communities. The Council is creating a nationwide network of local partnerships between law enforcement, the financial industry, and volunteers in local communities to provide hands-on support for victims of identity theft, help law enforcement provide a more coordinated response, and improve identity theft education and awareness community by community, across the country.

The Council was founded by security expert Neal O’Farrell with the support of local law enforcement in the San Francisco Bay area, and Intersections Inc. The Council is supported nationally by Intersections Inc, the Independent Community Bankers of America (ICBA), the Council of Better Business Bureaus (BBB), the Online Trust Alliance (OTA), Elder Financial Protection Network (EFPN), and ITAC, the Identity Theft Assistance Center. For more information or to become involved in the Identity Theft Council, please visit our website, follow us on Twitter @IDTheftCouncil or visit our blog.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Press Contact for The Council of Better Business Bureaus
Alison Southwick
703-247-9376
asouthwick@council.bbb.org

Press Contact for Identity Theft Council:
Michelle Schafer
Merritt Group Inc.
703-390-1525 (o)
703-403-6377 (c)
Schafer@merrittgrp.com

Another Successful Secure Your ID Day

10/25/2010

Posted on 10/25/2010 by
Cintas Document Management offered their free shredding services to the communities in Idaho Falls and Nampa Saturday, October 23 to help prevent identity theft.

Other sponsors of this event were: Bradys, Want Ads of Idaho Falls, Cable One, Creations of a Child, A+ Credit Union , Red Lion Hotel, Klassy 97.3 radio, KMART, Nampa Police Department, Social Security Administration, Office of the Idaho Attorney General, Debt Reduction Services, IDADIV Credit Union along with your BBB.

We would like to thank all the volunteers that made these events a success, serving 450 consumers and shredding 25,000 pounds of personal information keeping it safe from identity thieves.

Check out bbb.org for future consumer events.

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/20/2010

Posted on 10/20/2010 by

Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27. While the new rule will have a significant impact on reducing predatory debt relief, the Better Business Bureau advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the Better Business Bureau has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Alison Southwick, BBB spokesperson. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Finally, before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

Businesses can learn more about how to follow this new rule on the FTC’s web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business.

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

Identity Theft Continues to Victimize Millions Each Year

10/15/2010

Posted on 10/15/2010 by

Arlington, VA - October 15, 2010 – When something happens 10 million times per year, it’s worth noting, and in recent years, that’s how many victims of identity theft have reported the abuse to the Federal Trade Commission (FTC). Further, ID theft has remained the number one complaint to the FTC for the past five years.

It can start the old-fashioned way with lost or stolen wallets, pilfered mail, or through documents thrown out by you or a business (dumpster diving). A consumer may also be victimized through more high-tech crimes including a data breach, computer virus, phishing or an Internet scam. Once the personal information is stolen, the crime can result in check fraud, credit card fraud, financial identity theft, criminal identity theft, governmental identity theft and medical identity theft.

Recognizing that awareness and education are essential tools necessary for consumers to protect themselves against ID theft, the National Foundation for Credit Counseling (NFCC) has teamed with the Council of Better Business Bureaus (CBBB) to host the third annual Protect Your Identity Week October 17-23. The week will consist of more than 175 local events in communities across the nation where consumers can take part in educational workshops, credit report reviews, responsibly recycle unused cell phones and have their personal documents shredded for free.

Consumers are urged to visit www.ProtectYourIDNow.org where they can locate events in their area, find useful prevention tips, victim resources, and take a quiz to assess their own risk of becoming the next identity theft victim. Advice in Spanish is also available at www.cuidesuidentidad.org.

“A recent NFCC online poll revealed that a majority of Americans fear identity theft, and that is a healthy fear to have if it leads them to take action,” said Bob Ensinger, COO of the NFCC. “The upcoming educational events should go a long way toward helping consumers protect themselves from the ever-present danger of identity theft.”

“BBB is committed to helping consumers fight fraud and identity theft is one of the largest threats we all face every day,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “There are a few precautions that we can all take to protect ourselves, and taking part in Protect Your Identity Week is one easy first step to make.”

As part of Protect Your Identity Week, Cintas Corporation, national shredding partner for PYIW, is providing free document destruction at events nationwide with the goal of making the Guinness Book of World Records for the most paper shredded in a 24-hour period.

Additionally, Intersections, Inc., a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard® brand, serves as a presenting sponsor of Protect Your Identity Week 2010, and Wireless Alliance, national electronic device recycling partner, is providing free cell phone disposal at many community events. MSN Money is once again serving as the national media sponsor for PYIW.

A number of national organizations are also putting their weight behind this initiative, joining the NFCC and BBB as Supporting PYIW Coalition Members. This Coalition includes: American Bankers Association Education Foundation, American Financial Services Association Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

For more information or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322 or Alison Southwick with the BBB at 703-247-9376.

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Warns Against Online Ads for Acai Diet Pills and Work from Home Jobs

10/5/2010

Posted on 10/5/2010 by

The Better Business Bureau is warning consumers to be wary of free trial offers online for diet pills, work at home jobs and teeth whiteners among other products and services. In this year alone, BBB has received thousands of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

Ubiquitous deceptive online ads for “free trials” of various products and services can be found on popular sites like MSN.com, ESPN.com, and Weather.com. Often the ads link to websites of phony news outlets which, according to the Sydney Morning Herald, commonly feature the photo of a well-known French journalist—without her permission—under various names.

One company behind these not-so-free trials is XM Brands which has an F rating with BBB. According to the nearly 2,000 complaints to the West Palm Beach BBB, the company sells roughly 40 teeth whiteners, acai diet pills and colon cleansers online. Complainants say they agreed to pay anywhere from $1.49 to $3.87 to cover shipping for the product trial but were charged as much as $87 a month, sometimes before they even received their trial in the mail. Complainants report getting the runaround from the company when they request refunds or ask to stop being billed; one consumer claims to have lost more than $860 as a result of recurring charges.

In just four months, Internet Cash Machines racked up more than 460 complaints from people who were interested in working from home, and has received an F grade from the Los Angeles-area BBB. Consumers say that they signed up for a free trial package of information costing $2.95 but were promptly charged as much as $149. Complainants also say they are unable to cancel by phone or email and have no way to prevent the typically $139-149 fee from being deducted from their account.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with the Better Business Bureau. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Cox.

Additional advice on signing up for free trial offers is available at www.bbb.org/us/article/free-trial-offers--are-they-good-deals-425. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB at www.bbb.org.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Better Business Bureau Honors Businesses

10/1/2010

Posted on 10/1/2010 by

October 1, 2010 – Boise, ID The Better Business Bureau (BBB) and KeyBank today announced the list of businesses who will be recognized at the 2010 Integrity Counts! business honors program on October 29, in Nampa.

This year’s honors for Integrity Counts! 2010 are:

2010 Integrity Counts! Recipients

Inspirational Family Radio

Make-A-Wish Foundation of Idaho^®

Oasis Interactive, LLC

Western Heating & Air Conditioning Inc.

Honorable Mention-Judges Recognition

Mission Aviation Fellowship

The UPS Store 1626

Honorees

Advance Physical
Therapy Kituku & Associates
Atova, Inc.
Les Schwab Tire Centers
Carl’s Cycle Sales
Merchants Moving & Storage, Inc.
Dillabaugh’s Flooring America
Re-Bath of Idaho
Handyman Connection
Scentsy, Inc.
John’s Auto Care Center
Signs By Tomorrow-Boise

The Board of Directors of the Better Business Bureau serving Snake River Region developed Integrity Counts! in 1997 and has honored more than 507 companies to date. The purpose is to recognize businesses in our surrounding communities for demonstrating a commitment to integrity and ethical business practices. The Better Business Bureau and KeyBank sponsor the program.

These companies were nominated for Integrity Counts! recognition by customers, employees, vendors and the community at large. An independent panel of 12 community leaders, coming from a variety of business backgrounds, reviewed materials submitted by each organization to determine the list of recipients and honorees. Each of the eighteen businesses will be showcased at the banquet. Attendees can honor and network with these businesses in recognition of business ethics.

Eighteen companies submitted materials for consideration in this year’s award program. Each of the companies will be honored and recognized at the gala banquet scheduled for Friday, October 29, 2010, at NNN Brandt Center. The Better Business Bureau congratulates each company for their nomination and their stand for ethics in the marketplace.

For more information about the event or to make reservations log onto the BBB’s web site at www.bbb.org, or by calling the Better Business Bureau at 342-4649.

Five Ways to Fight Back Against Phone Bill Cramming

10/1/2010

Posted on 10/1/2010 by

Sneaky little charges are making their way onto telephone bills and can go unnoticed for months. Victims of so-called “cramming” often face a tough battle to stop being billed every month and start getting their money back. In order to fight cramming, Better Business Bureau recommends keeping a close eye on every bill and being extremely cautious when giving out personal information such as phone numbers.

“You might think that nothing bad can happen from giving out your telephone number, but you should guard those digits like you would a credit card or social security number,” said Alison Southwick, BBB spokesperson. “Monitor your monthly statements closely because even if you are very protective of your personal information, cramming can still strike.”

Cramming is on the rise, according to the Chief of the Consumer and Governmental Affairs Bureau of the Federal Communications Commission during an interview with Herb Weisbaum, consumer reporter for MSNBC.com. Cramming can come from any number of sources. Some victims may have inadvertently signed up for a subscription service—such as for “free” ringtones or a daily joke or horoscopes--not realizing they’d be billed every month. The Federal Trade Commission recently cracked down on one company that used telemarketers to convince people into signing up for “free” trial services. Calling a psychic hotline or entering a sweepstakes can also lead to cramming. Unfortunately, in some cases, the victim is just an unlucky random target.

BBB recommends taking the following five steps to fight cramming:

Keep a close eye on monthly statements. Anyone can become a victim of cramming so monitoring you monthly bills is extremely important. The sooner you spot the charges, the sooner you can fight them.
Know your rights. Contact your telephone provider to see if you can completely restrict third-party billing on your account.
Know whom you can trust online. Before handing over any personal information online, always research the business with your BBB at http://www.bbb.org/us/Find-Business-Reviews/.
Guard your personal information closely. Be wary when asked to provide personal information to sign up for a free trial or enter a sweepstakes. Always read the fine print on any offer so you understand how your personal information may be used.
Know where to complain. If you are unable to resolve the issue either through your telephone provider or directly with the business, file a complaint with the FCC for charges related to telephone service and FTC for all other cramming charges on your phone bill. You can also file a complaint with BBB.

For more advice on managing personal finances and protecting your wallet, visit us online at http://www.bbb.org/us/consumer-tips-finance/.

What’s the Deal with Online Penny Auctions?

10/1/2010

Posted on 10/1/2010 by

Online ads, often designed to look like news reports, are cropping up on popular websites claiming that you can get great deals on iPads and other electronics with online penny auctions. The discounts offered on penny auction sites are tempting, but the Better Business Bureau warns bargain hunters that they should stop and do their research before making their first bid.

Most commonly with a penny auction, users must set up an account and purchase bids with a credit or debit card; each individual bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item has a countdown clock and as people bid, the cost of the item goes up incrementally and more time is added to the clock. Even if you don’t win the item, you still have to pay for the bids you placed which can add up over time.

“BBB has received hundreds of complaints from consumers about penny auctions so far this year and we’re encouraging online bargain hunters to do their research,” said Alison Southwick, BBB spokesperson. “Unlike typical auctions, unsuccessfully bidding on an item through a penny auction will still cost you and BBB has heard from people who lost thousands of dollars bidding on items and have nothing to show for it.”

Many people have complained to BBB about being automatically charged $150 just for signing up for what was supposed to be a free trial. Others complainants have voiced their concerns that some sites use phony bidders and “bots” to drive up the prices on items. Customer support is also a major concern as many complainants explain they had a very difficult time receiving refunds or resolving other issues with the company.

Before making your first bid on a penny auction:

Research the penny auction with BBB first. Not all penny auctions are created equal and BBB ratings on various sites range from A- to F. Always research the penny auction site with your BBB at http://www.bbb.org/us/Find-Business-Reviews/ before signing up.
Read the fine print carefully. Before providing any personal information or signing up for any “free” trial with a penny auction, read all of the fine print carefully on the website. Pay close attention to details on signup and annual fees, minimum bidding requirements, maximum prize amounts and how to get a refund.
Know what you’re buying. Before bidding on an item, research how much it costs elsewhere and keep track of how much you’re spending on bids overall to see if you really are getting a good deal.
Keep a close eye on your credit card statement. Many have complained to BBB about being unexpectedly charged more than $150 just for signing up. Some complaints were also automatically charged for more bids when they ran out or for a yearly registration fee, not realizing this would be the case.
Complain to BBB if you feel you’ve been ripped off. If you feel you’ve been misled by a penny auction site, file a complaint with your BBB. BBB has assisted customers in resolving their issues, including getting refunds. If the business does not cooperate, your complaint will still go down on the company’s BBB Reliability Report and serve as a warning to others.

For more advice on finding deals and avoiding rip-offs online, visit us at http://www.bbb.org/us/consumer-tips-technology/

Create a Business Succession Plan Before Retirement

10/1/2010

Posted on 10/1/2010 by

While it’s not fun for a business owner to think about the impact their death or a disability would have on the company, it is nevertheless important to create a succession plan sooner rather than later. The Better Business Bureau outlines five steps to create a solid succession plan and ensure the stability of the business if something unexpected should happen.

A business succession plan is extremely vital to ensure the stability of the business and avoid paying to many taxes or damaging the family finances, but many small business owners lack one. According to a 2008 PNC Bank survey of business owners, 77 percent had a will but only 33 percent had a succession plan for their business.

“While your retirement may seem far off, you should plan for the unexpected by taking the time to create a thorough succession plan,” said Alison Southwick, BBB spokesperson. “Waiting until retirement to think about the next generation of the business puts both your family finances and the future success of the company at risk.”

BBB recommends taking the following steps to create a cohesive and comprehensive succession plan:

Have the tough conversations with family and partners.
When beginning the planning process, get the thoughts and opinions of family members and business partners on their future involvement with the company. This will give you a better idea who really wants to take on the challenges of the company and who might prefer a different path from the family business while perhaps maintaining an equity stake. Also, circle back around and make sure all interested parties understand the succession plan after it is finalized.

Get professional help. A succession plan isn’t just about naming an heir; it’s also a matter of navigating tax laws and minimizing the financial burden on family members. The financial aspect of a succession plan can be very complex. An attorney and/or financial planner can walk you through the process, make sure you’ve tied up all loose ends and help you ease the potential financial strain on family and the business.

Think about the staff. A succession plan isn’t just about tending to finances and ownership. It is also about management and making sure the company can run smoothly in your absence. Make sure that your staff is trained to carry on without you—this includes the high-level strategic plan and the day to day basics of making the business work. Consider creating basic succession management plans for key staff to ensure continuity in service and productivity should someone else depart.

Think about the customers. Customer loyalty for a small business often rests heavily on the owner. Customers might head off to the competition if they think that the company can’t carry on without you. Consider how you can make the transition seamless for customers and not lose the trust they have built in your company should you leave. Encourage relationships between customers and other staff so that they know that the business is more than just you.

Update the plan every few years. Revisit and revise the plan every few years. Make sure it continues to reflect the current status of the business as well as your family situation.

For more trustworthy small business advice, visit us online at http://www.bbb.org/us/Business-Resources/.

BBB Small Business Advice: Don’t Believe Every Award You Receive

9/30/2010

Posted on 9/30/2010 by

Small business owners are always looking for ways to set themselves apart from their competitors and awards and recognition from a third-party are a great way for a company to differentiate itself from the competition. Unfortunately, Better Business Bureau warns, some “awards” are all about making money – rather than acknowledging outstanding companies – and small business owners need to be on the lookout for vanity award scams.

All too frequently vanity pitches for “Who’s Who”-type publications, biographies or nominations for awards or special memberships have a catch to them. In some cases, honorees who receive such e-mails, letters and calls are not chosen by a select committee, as they are often told, but are plucked off mailing lists or have had their e-mail addresses harvested from Web sites.

“There are many legitimate awards given out every year—such as local and national BBB Torch Awards—that small business owners can be proud of,” said Steve Cox, BBB spokesperson. “But some awards, which seem to have merely pulled recipients out of the phone book, offer praise that is ultimately empty and not worth the plaque the company’s name is etched on.”

BBB serving Alaska, Oregon and Western Washington reports that local businesses have been receiving e-mails claiming the company has won the “Best of…” award for businesses in their community. Business owners are told that a plaque has been created to mark the honor and is available for $80.00. The company, US Local Business Association, has a Washington, DC, address that appears to be a drop box, and according to their Web site, the only way to contact the company is through Web e-mail. No phone number is listed. When asked by the Portland Oregonian newspaper how it chooses recipients for its awards, US Local Business Administration representatives would not provide any details. Business owners in other states such as Maryland, Indiana and Arizona also report being contacted by US Local Business Association personnel.

To distinguish a reputable biographical directory or business award from those of little or no value, BBB offers the following advice:

Always check the organization out with BBB first.
BBB Reliability Reports are available for free at bbb.org and provide information on the number of complaints the business has received, as well as whether attempts were made to resolve any problems.

Keep an eye out for red flags.
Some signs of a scam include receiving an award that you didn’t apply for and if the award Web site lacks phone numbers, an address and other basic details on the organization giving the award.

Don’t be afraid to ask questions.
An organization offering a reputable award will not hesitate to answer in-depth questions about their program including how many businesses are honored every year, how honorees are chosen and exactly why specific businesses were chosen.

Know what you’re paying for.
With less than scrupulous awards schemes, the company is typically trying to make money by peddling books or plaques. While having to spend money in order to receive an award can be a red flag, it isn’t always the sign of a scam. In some cases businesses must pay a fee in order to submit an entry to an awards program. If the company is to be honored at a gala event, there are usually sponsorship opportunities—such as purchasing a table for attendees—to help offset the cost of the event.

For more small business advice you can trust, and more information about the BBB International Torch Award program go to www.bbb.org.

Is it a Legitimate Opportunity or a Pyramid Scheme?

9/29/2010

Posted on 9/29/2010 by

Millions of people have found success in direct selling for companies using a multi-level compensation plan. Unfortunately, not all opportunities are legitimate and it’s easy to get caught up in the enthusiasm and big promises of a pyramid scheme posing as a trustworthy company. So how do you tell the difference? Answer the following questions:

Is the start-up cost reasonable? A legitimate company will generally offer a startup kit that includes product samples, catalogs, order forms and other essentials that you need to get started selling. The median cost of a kit is $99, but can range from free to several hundred dollars depending on the type of product being sold. A pyramid scheme on the other hand will often require a large upfront investment of several thousand dollars for which you get little more than the right to recruit others.

Does your compensation come from selling products and services or from recruiting others? The money-making potential in a legitimate multi-level marketing company will rely primarily on selling products – be it from your own sales or the sales made by your recruits. In a pyramid scheme money is made by the recruiter from the fees paid by new recruits, regardless of whether they sell anything. Additionally, be sure products and services are being sold to the ultimate consumer of those products instead of passing large quantities of product from seller to seller.

Will the company buy back sales kits and unsold inventory? Most direct selling companies do not require large inventory purchases, but if one does, be sure to check out the buyback policy. All Direct Selling Association member companies are required to repurchase, at no less than 90 percent of the purchase price, any marketable inventory and sales aids purchased in the past 12 months if you decide to quit the business. You should not risk financial loss by trying direct selling. Pyramid schemes often try to disguise their deception by offering a sham product, so beware of a company that requires a large inventory purchase with no return policy.

The bottom line is that a legitimate company will portray an honest picture of the opportunity, including the possible risks, rewards, and challenges. A pyramid schemer, however, will enthusiastically sell you on the promise of making tons of money with little effort. Successful direct sellers treat the experience like running a small business. There are no short cuts to success. Keep a level head and evaluate all opportunities objectively. If you feel pressured to make a decision with which you are not comfortable, or if the opportunity sounds too good to be true, just walk away.

Before signing up with direct selling company, check the company out with your BBB at www.bbb.org or on the Direct Selling Association’s website at www.dsa.org.

Sara Lee Corporation Joins Industry Initiative to Promote Healthier Foods to Kids

9/23/2010

Posted on 9/23/2010 by

Arlington, VA – September 23, 2010 – The Council of Better Business Bureaus today announced that the Sara Lee Corporation, one of the world’s leading food and beverage companies, has become the newest participant in the Children’s Food and Beverage Advertising Initiative (CFBAI). As part of the initiative, Sara Lee has pledged that all TV, print, radio, Internet and other CFBAI-covered advertising directed primarily to children under 12 will be for products that meet government standards defining the term “healthy” or the American Heart Association’s HeartCheck program criteria.

Since its inception in 2006 with 10 founding companies, the CFBAI has grown to include 17 industry leaders that have all committed to encourage healthier dietary choices and healthier lifestyles in children’s advertising. To that end, participants in the initiative pledge to advertise only better-for-you products in media primarily directed to children under 12 or not to engage in any child-directed advertising.

“Sara Lee is showing its commitment to the health of our nation’s children by joining other industry leaders in only advertising to kids products that meet widely-accepted nutritional guidelines,” said Elaine D. Kolish, BBB vice president and director of the CFBAI. “Under the CFBAI, the participants’ voluntary use of solid nutrition standards has steadily improved the nutritional profile of foods and beverages being advertised to children under 12. The calories, fat, sugar or sodium content of more than 100 products have decreased and four companies are not engaging in child-directed advertising at all.”

“We’re pleased to be joining the CFBAI with our industry peers to help promote healthier products to kids,” said Laston Charriez, vice president, consumer and shopper activation, Sara Lee Corporation. “We look forward to working with the CFBAI and its members on this important topic.”

In addition to meeting government or AHA standards, any product advertised would have to fill a recognized nutritional need in children’s diets. For instance, the Sara Lee bread that is advertised on children’s programming meets the FDA definition for “healthy” and contains at least eight grams of whole grain per serving.

As required for all participants in the Initiative, Sara Lee will also:

Restrict the use of third-party licensed characters in advertising primarily directed to children under 12 to products meeting its nutrition criteria;
Refrain from advertising its food and beverages in elementary schools;
Not pay for, or seek out, product placement in the program/editorial content of any media primarily directed to children under 12; and,
Limit the use of food and beverages shown in interactive games primarily directed to children under 12 to products that meet its nutrition criteria.

“Not only has the Children’s Food and Beverage Advertising Initiative continued to grow through increased industry participation, we are also continuing to move the ball forward through greater harmonization and compliance oversight,” added Kolish.

The BBB today announced that virtually all participants are now using an audience threshold of no higher than 35 percent of children under 12 in the audience for their commitments to apply. Previously, some participants’ pledges applied only if at least half the audience consisted of children under 12. This harmonization of the participants’ definitions of “advertising primarily directed to children under 12” will provide even greater clarity and certainty to what is meant by child-directed advertising.

Additionally, because the majority of the participants now have policies to not engage in advertising primarily directed to children under age six, the BBB will start monitoring and reporting on compliance with those policies in 2011.

To view the participants’ updated pledges, the newest edition of the CFBAI’s Program and Core Principles Statement, and a chart summarizing the participants’ policies and definitions on advertising to children under 12 and six, visit http://www.bbb.org/us/children-food-beverage-advertising-initiative.

For more information on the Children’s Food and Beverage Advertising Initiative or to schedule an interview with the Director, Elaine Kolish, contact Alison Southwick at asouthwick@council.bbb.org or 703-247-9376. For more information on Sara Lee Corporation, please contact Mike Cummins at 630-598-8412.

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Inc.; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the pledges of the participants visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative.

When to Shut the Door on a Traveling Salesman

9/20/2010

Posted on 9/20/2010 by

When salesmen knock on your door, they could represent any number of different legitimate products and services such as magazines, cleaning supplies, home alarm systems and even frozen meat and poultry. They might also be itinerant workers who are offering a low-ball estimate to fix your roof or repave your driveway. Regardless of what they are selling, protect your home and your wallet by confirming their credentials.

BBB recommends being cautious of a door to door salesperson or itinerant worker if they:

Use high pressure sales tactics. A reputable salesman will give you time to think through the deal and make an appointment to return at a later date. Watch out if you’re asked to sign up immediately before you do your research. Do not give in to high-pressure sales tactics—even if the deal supposedly won’t last long or the salesperson is aggressive—it’s worth it to stop and think it over first.

Offer a deal that sounds too good to be true. Some salesmen might offer an extremely good price for their products or services. The adage holds true that you get what you pay for and many people have been quickly disappointed when the products didn’t live up to the hype or the company did a shoddy job.

Fail to follow federal law. Federal law requires that if you purchase more than $25 in goods, the salesperson must inform you of your rights to cancel within three business days. Called the “cooling off” rule, these rights are typically included with the company’s contact information on the receipt or contract.

Work for a company with a poor rating from your BBB. Before you break out your checkbook, always check the company out with your BBB first to see how many complaints they’ve received in addition to BBB’s overall rating.

Finally, pay with a check or credit card—rather than cash—in order to take advantage of the consumer protections provided.

Foreclosure Rescue Scams Are Going Strong

9/15/2010

Posted on 9/15/2010 by

The housing market in the United States may not be thriving, but business is booming for foreclosure rescue and loan modification scammers.

The US Government Accountability Office (GAO) released a report in July 2010 entitled "Home Ownership Preservation". It says that: "The current foreclosure crisis has provided persons who may perpetrate mortgage foreclosure rescue and loan modification schemes with unprecedented opportunities to profit from homeowners desperate to save their homes. In March 2010, we reported that national default and foreclosure rates rose sharply from 2005 through 2009, to the highest level in 29 years. The most recent data from the Mortgage Bankers Association, which are for the first quarter of 2010, show that the number of home loans with payments more than 60 days past due, and therefore potentially facing foreclosure, is 2.7 million."

The GAO report says there are two main types of foreclosure rescue and loan modification scams: advance-fee loan modification schemes and sales-leaseback schemes, with advance-fee schemes being the most common. In an advance-fee scheme, someone charges you a fee in advance to negotiate a deal with your mortgage lender. They may even offer a money-back guarantee. But the usual outcome is that they take your money (the average is about $3,000), provide little or no service, and then refuse to refund the fee. In a sales-leaseback scheme, the scammer persuades you to transfer your deed to them by offering to assume your payments and let you pay rent while you get your affairs in order. They promise to sell the property back to you once your financial situation improves, but, of course, they don't. Often they take out another loan on the home or even sell it out from under you.

The Federal Trade Commission reports on a new twist on the advance-fee scam that's showing up this year, a "forensic mortgage loan audit." The scammer offers to find regulatory violations in your original mortgage that will help you avoid foreclosure or even cancel your loan. There's no evidence that anyone has ever succeeded in modifying their loan using this approach.

Here are some “red flags” that at-risk homeowners should watch out for when looking for foreclosure help, courtesy of the FTC. You should avoid any business that:

guarantees to stop the foreclosure process – no matter what your circumstances
instructs you not to contact your lender, lawyer, or credit or housing counselor
collects a fee before providing you with any services
accepts payment only by cashier’s check or wire transfer
encourages you to lease your home so you can buy it back over time
tells you to make your mortgage payments directly to it, rather than your lender
tells you to transfer your property deed or title to it
offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale
offers to fill out paperwork for you
pressures you to sign paperwork you haven’t had a chance to read thoroughly or that you don’t understand.

Scammers Advertising Free Purebred Puppies Find Themselves in BBB's Doghouse

9/9/2010

Posted on 9/9/2010 by

Dog lovers should be suspicious of anyone promising to ship them free purebred puppies from the African continent or any foreign country, the Better Business Bureau (BBB) warns. The offer usually arrives in the form of an email and now radio advertising is cropping up as a venue for this scam.

The BBB says the thieves typically agree to ship American Kennel Club-registered puppies in exchange for help in paying the cost of transporting the animals. But once the money is wired to the bogus sellers, no puppies are delivered and the money is gone.

A BBB investigator who responded to the e-mails was offered two free 10-week-old English bulldog puppies in return for sharing the cost of transporting them.

“We have the puppies right here with us,” said the writer, who identified himself as Pastor David Sanchez, a missionary who recently was relocated to Africa. “I’m willing to give the babies out to someone who can take very good care of them for me forever.”

The puppy scam first surfaced in the U.S. about four years ago and usually depended on ads on Internet sites like Craigslist and in newspapers. While radio advertising appears to be a new twist, the scam remains basically the same. Purebred animals like these are in high demand and can be quite expensive. For somebody to offer them for free simply doesn’t make sense.

In May 2007, the BBB joined with the American Kennel Club to warn about the puppy scam. “Because of the emotional investment, consumers are more vulnerable to being taken advantage of when it comes to a cute cuddly puppy than with any other purchase,” an AKC spokesperson said.

The scammer who claimed to have the bulldog puppies said in a recent e-mail that he had just moved to Africa and the region’s climate was not conducive to raising the animals. “I don’t want Bella and Max to die in this bad weather.” The writer also sent photographs of two bulldog puppies.

The recent scammer initially asked that a $450 Western Union wire transfer be sent to a recipient in Nigeria, to pay to ship the dogs. But when the BBB investigator balked, the writer lowered the payment to $150. Similar puppies are advertised on the Internet for $750 to $1,500 each.

The BBB suggests that media representatives be wary of accepting any ads for free or low-cost puppy adoptions from anyone outside the U.S. These are almost always scams.

The BBB also advises that persons shopping for pets not be enticed by such offers, especially if they are asked to wire money to Africa or a foreign country. Don’t be rushed into making a decision and don’t be fooled by touching stories or photos of animals, says the BBB. It is always best to deal with known, reputable businesses, or visit a shelter.

Persons with questions or who would like Reliability Reports on businesses should contact the BBB at www.bbb.org or at 208-342-4649.

About the BBB

The BBB is a non-profit organization that sets and upholds high standards for fair and honest business behavior. The BBB provides objective advice, free business Reliability Reports, dispute resolution services, charity wise-giving reports, and educational information on topics affecting marketplace trust. Please visit www.bbb.org for more information.

Idaho Joins in New Agreement with Publishers Clearing House

9/9/2010

Posted on 9/9/2010 by
Attorney General Lawrence Wasden joined 32 states and the District of Columbia in filing a supplemental consent judgment with sweepstakes company Publishers Clearing House of Port Washington, New York. The agreement, filed in Ada County court today, modifies the terms of a prior judgment filed in 2000.

Previous settlements with Publishers Clearing House included terms aimed at resolving the states’ allegations that the company engaged in deceptive marketing practices by mailing promotional materials designed to mislead consumers into believing that purchases would increase their odds of winning.

The states’ recent investigation raised concerns that Publishers Clearing House was not fully complying with the prior agreement and that consumers could still be confused by the nature and language of some of the company’s sweepstakes promotional mailings.

The new agreement contains stronger provisions to ensure that consumers are not further misled or confused by the company’s sweepstakes promotions, including greatly increased consumer surveys to ensure that consumers understand that purchasing does not increase their chances of winning a sweepstakes prize.

In addition, the company agreed to pay $3,500,000 to cover the cost of the states’ investigation. Idaho’s share of this settlement is $40,000.

Mobile Marketing Tips for Small Business Owners

9/2/2010

Posted on 9/2/2010 by

Mobile marketing is an increasingly effective way for small business owners to tap into a younger customer base. While it might not be a perfect fit for every business, Better Business Bureau recommends owners check out the marketing potential in geo-location apps like Foursquare, Facebook Places and Yelp.

As technology improves, cell phones continue to perform any number of functions beyond making calls. Many programs on mobile phones rely on geo-location and can tell you where you are and what’s nearby—including businesses. This technology creates a new way to market your business to customers when they are literally right around the corner. According to a recent survey by JiWire, more than 50 percent of mobile users would like to receive location-specific advertising; another 39 percent would like to receive location-based coupons.

“Lacking the time, know-how and money to launch an effective online marketing strategy can make many small business owners neglect the whole endeavor,” said Alison Southwick, BBB spokesperson. “The good news about mobile marketing is that you don’t necessarily need to dedicate a lot of time or money into a campaign to reap some rewards.”

Following are just a few mobile tools that small business owners can take advantage of to market their business to customers on the go. Even if you aren’t ready to launch a mobile marketing campaign, it’s still a good idea to take ownership of your business’s profiles on these sites to make sure the information is accurate and up to date:

Foursquare
With nearly 3 million users, Foursquare has been getting a lot of attention in the media lately for its explosive popularity among young adults. Foursquare is a mobile app that allows you to “check in” at locations—usually businesses—which tells other Foursquare users where you are. If you check in to a location a lot, you can become a “mayor” of that location—which can be a highly coveted achievement.

Some businesses have taken advantage of Foursquare by offering coupons to mayors or people who check in. Foursquare also provides a map to users so they can see what specials are being offered at nearby businesses. Foursquare prominently lists which businesses are the most popular, so an owner can benefit by encouraging patrons to check in. Foursquare also provides details and stats on the people who check in at your business which can help you learn more about customers.

Facebook Places
Facebook—which now boasts over 500 million users worldwide—recently launched Facebook Places as a competitor to Foursquare. Facebook users can “check in” and their location is published on their Facebook page. They can then see which friends have also “checked in”.

Similar to Foursquare, a business owner can create a new place or claim a location that already has a profile in Facebook. You’ll be asked to verify that you can claim the location before you’ll be able to add photos and business details. After an initial launch in a few cities, Facebook Places will be made available to more locations over time and the features offered to users and business owners will be expanded as well.

Yelp
Yelp is a website that allows users to post reviews of businesses, services, locations and events. According to Yelp, 33 million people visited the site in June 2010. In addition to the website, Yelp also provides a mobile version with an interactive map and allows users to “check in” at locations. After “unlocking” your location, you can offer coupons through Yelp, update your business information and promote events.

For more advice on marketing your business on a tight budget, visit http://www.bbb.org/us/Business-Tips-Index/.

Five Steps to Take When a Collector Comes Calling for a Debt You Don’t Owe

9/2/2010

Posted on 9/2/2010 by

If a debt collector is contacting you about a debt you know you don’t owe, explaining your case can be an uphill battle. Whether it’s a matter of mistaken identity, an honest error or identity theft, the Better Business Bureau recommends taking five steps to fight back against erroneous debt collectors.

According to a 2010 report, the FTC received 119,364 complaints about third-party and in-house debt collectors last year, up from 104,766 in 2008. While complaints can be about any number of issues, trying to collect on a debt the consumer doesn’t owe is common. In a recent example, the FTC reached a million-dollar settlement with Credit Bureau Collection Services over accusations that the collection agency violated federal law by inaccurately reporting credit information and pressing consumers to pay debts they often did not owe.

“It can be an exhausting process to set the record straight on a debt you don’t actually owe,” said Alison Southwick, BBB spokesperson. “Because debts are often sold and resold to many different collection agencies over time, you may have to make the same case every few years when the debt trades hands again.”

If you’re receiving calls for a debt you don’t owe, it could be a case of mistaken identity. Perhaps you share the same name, or even inherited an old phone number of the person who actually owes the debt.

You could also be the victim of zombie debt—it could be that you paid the original debt off but it wasn’t recorded as paid, or the statute of limitations on the debt has expired and the debt collector is trying to get you to pay for a debt you can no longer be taken to court over.

A final common cause of being hounded for a debt you don’t owe is fraud. It could be that you have become a victim of identity theft and someone is opening up new lines of credit or buying items using your good name. Additionally, the “debt collector” calling could actually be an identity thief who is trying to get you to divulge personal financial information such as Social Security, bank and credit card numbers.

If you’re being pursued for a debt you don’t think you owe, BBB recommends taking the following five steps:

1. Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. If you would like to get verification of the debt, send a written request to the debt collector within 30 days after you receive the validation notice. This written proof can help you determine if the callers are actually identity thieves, or if you really do owe the debt. Once you have the name and contact information for the agency, confirm they are a legitimate debt collector with your BBB at www.bbb.org. After you confirm that you don’t owe the debt, advise the debt collector you do not owe the debt and advise them to stop contacting you (see step 4).

2. Correct any errors. After confirming you do not owe the debt, you may want to correct any incorrect submission related to the debt captured on your credit report. Contact the company that has provided the information to the reporting bureau by writing a detailed letter and include copies of pertinent documents which back your case. The FTC provides additional information on how to report errors at www.ftc.gov.

3. Weed out fraud and errors. Check your credit report with the three major credit reporting bureaus, Experian, Equifax and Transunion every year by visiting www.annualcreditreport.com. If you’ve been the victim of fraud or identity theft, you may also be eligible to view your reports for free. By keeping a close eye on your credit reports, you’ll be able to more quickly identify fraudulent activity or mistakes and make corrections before the debt collector calls.

4. Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. After confirming you do not owe the debt in question, you may cease all contact from the debt collection company by sending a letter (via certified mail) to the debt collector advising them to cease contact. Keep a copy of the letter and the return receipt for verification purposes. Any further contact to you from the debt collector except to advise you there will be no further contact, or to inform you that the agency is filing legal action, is a violation of the FDCPA.

5. File a complaint with the Federal Trade Commission. Familiarize yourself with the consumer protections provided under the Fair Debt Collection Practices Act. Included are rules that debt collectors may not make false or deceptive claims and must investigate the validity of a dispute over a debt. If a debt collector violates the law, report them to the FTC—the federal government’s agency overseeing fair debt collection practices. You should also file a complaint with your BBB at www.bbb.org.

For more information on taking control of your debt and managing credit effectively, check out BBB’s Managing Credit – Made Simpler.

Find a Roofer You Can Trust

9/2/2010

Posted on 9/2/2010 by

Your home can take a serious beating when a big storm hits and finding a roofing contractor you can trust isn’t always easy. Storm chasers and other door-to-door salesmen often peddle dubious deals that can cost homeowners thousands of dollars and create serious headaches. The Better Business Bureau recommends doing your research to avoid getting ripped off by an untrustworthy roofer.

Every year, homeowners research the trustworthiness of roofing contractors with BBB more than 2 million times—more than any other industry. Unfortunately, last year alone, BBB received more than 7,600 complaints about roofers from unsatisfied customers.

“Hail and wind damage from violent storms has taken a toll on homes across the country this summer and the cost of repairs can be in tens of thousands of dollars,” said Alison Southwick, BBB spokesperson. “When you’re spending that kind of money, it’s worth it to take your time and find a roofer you can trust.”

One company receiving hundreds of complaints this summer is American Shingle & Siding Inc. The company has solicited homeowners—often door to door—across the South and Mid Atlantic. A common sales tactic BBB has learned from complaints is to tell the homeowner that their roof is severely damaged—such as from hail—and that their insurance company will likely cover the cost. The homeowner is then required to sign a contract saying that they will hire American Shingle for the job.

Unhappy homeowners have complained that they signed over the check to American Shingle and the job was never completed, wasn’t completed on time or was poorly executed. The company recently announced that it is going out of business, but BBB warns that the roofer and its suspect business model might resurface under a different name.

When looking for a roofer you can trust, BBB recommends that homeowners:

Start Your Search with BBB. In addition to having Reliability Reports on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy roofers in your area. BBB Accredited roofers have pledged to uphold BBB’s Standards for Trust and are contractually obligated to resolve all complaints filed with the BBB.

Vet the Contractor Carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the roofer will be subcontracting the job or relying on his or her own employees.

Beware of Storm Chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door to door, in unmarked trucks. They might require advance payment and make big promises that they won’t deliver on.

Get at least three bids. Beware of lowball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Recognize the red flags. Beware of any contractor that uses high pressure sales tactics or requires full payment upfront. Also avoid contractors that require you to get the necessary permits.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring professionals you can trust, visit us online at http://www.bbb.org/us/consumer-tips-home/.

Don’t Get Taken by a Modeling Scam

9/2/2010

Posted on 9/2/2010 by

Whether you’re interested in a modeling career, just want to make a few extra bucks or you think your child might have a future in acting or modeling, be on the lookout for scammers. The Better Business Bureau warns that some modeling agencies are just trying to make a fast buck and don’t deliver on promises of fame and fortune.

In the last three years, would-be models have researched agencies with the BBB more than half a million times. Unfortunately, BBB also received more than 2,000 complaints from people who feel they were misled by an agency into paying large upfront fees—often for headshots and portfolios—and received little or no modeling or acting work in return.

“Modeling can be a great way to supplement your income, but signing up with a deceptive talent agency can be a waste of time and money or, in the worst case scenario, put you in physical danger,” said Alison Southwick, BBB spokesperson. “Even if the agency tells you that you have ‘the look’, always take the time to do your research and don’t fall for empty promises.”

Common complaints to BBB about talent and modeling agencies often come from would-be models or parents who think their kids have star potential. Typically, they are told they need to pay upfront fees—such as for headshots—after which the agency will start finding them work. Complainants report that despite paying hundreds or even thousands of dollars in various upfront fees, the agency found them few, if any, jobs.

In an extreme example of a modeling agency opportunity gone horribly wrong, the BBB in Louisville has received complaints from local men who paid hundreds of dollars in upfront fees—or became indebted for these fees—to Models Today in exchange for the promise of landing modeling jobs. Instead, the young men stated that the owner, Russell Claxon, took shirtless photos of them in a park and never set them up with any jobs. Several complaints to BBB made reference to solicitation for prostitution or inappropriate sexual propositions and one victim told a local newscast that he was prostituted out by Claxon.

Before signing up with a modeling or talent agency:

Do your research – Always check the company out with your Better Business Bureau. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the company meets those requirements if applicable.

Beware of big promises and high pressure sales pitches – In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and big earnings or uses high pressure tactics to get you to sign up without thinking it through first.

Read the fine print and get everything in writing – Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.

Get references – Ask for references from other satisfied clients who have a similar background and qualifications.

Complain if you’ve been ripped off – If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB, State Attorney General and the FTC.

For more advice on finding businesses and services you can trust, go to http://www.bbb.org/us/Consumer-Tips/.

Scammers Target Job Hunters in Weak Economy

9/1/2010

Posted on 9/1/2010 by

As the unemployment rate hovers around 10 percent, the Better Business Bureau warns that scammers are taking advantage of the opportunity by preying on the unemployed. Identifying the common red flags of a scam is one way for job hunters to protect themselves and their wallet.

According to the Labor Department, new jobless claims in mid-August unexpectedly jumped to 500,000, an increase of 12,000 over the previous week. Not only did jobless claims rise suddenly, but the length of unemployment is bleak for many. According to a July report from the Bureau of Labor Statistics, nearly 45 percent of unemployed Americans had been out of work for more than 6 months.

“The dismal employment rate means that a lot of people are desperate for work and may be grasping for any job which creates a great opportunity for scammers,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag: The employer offers the opportunity to become rich without leaving home
While many legitimate businesses allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money conveniently at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

Red Flag: The employer asks for money upfront
It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. Always research the job thoroughly before opening up your wallet. Also be wary of job placement companies that ask for large upfront fees to find you a job.

Red Flag: The salary and benefits offered seem too-good-to-be-true.
The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little work and no experience necessary in order to lure unsuspecting job hunters into their scam.

Red Flag: Employer e-mails are rife with grammatical and spelling errors.
Online fraud is often perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Red Flag: The employer requires you to check your credit report
After posting their resumes online or responding to online job listings, many job hunters received what they thought was good news: an e-mail from an interested employer. In order to be considered for the job, the applicant has to check his or her credit report through a recommended website. The truth is, the e-mail is just an attempt to get the job hunter to divulge sensitive financial information or sign up for credit monitoring services.

Red Flag: The employer is quick to ask for personal information such as Social Security or bank account numbers
Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork, suspicions were raised – and rightly so. Regardless of the reason, a job applicant should never give out his or her Social Security or bank account numbers over the phone or email and only after they’ve confirmed the job is legitimate.

Red Flag: The job requires you to wire money through Western Union or MoneyGram or receive and forward suspicious goods
Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers. BBB also warns against receiving and mailing suspicious goods—such as electronics or luxury items—overseas.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.

BBB Warns Consumers to Watch for Mystery Charges from iEarn, LLC

8/24/2010

Posted on 8/24/2010 by

Dallas, TX, August 23, 2010 -- Mysterious charges of about $65 to $68 from iEarn, LLC, are turning up on credit card and bank accounts across the U.S., according to recent complaints to the Better Business Bureau. Some complaints allege that accounts have been charged more than once by the Coppell, TX-based business. Now the business is operating as Success Funding Now.

A woman in St. Paul, MN, complained: “A bill of $65.32 appeared on my credit card statement … I have never heard of let alone done business with this company and wonder where they got my credit card information. I am disputing the transaction through the credit card company but it concerns me that I have never heard of this company before yet they are billing me for what???”

The first complaint was filed with the BBB serving Dallas and Northeast Texas in late July, 2010, and a month later there are 19 complaints. The complaints are from California, Indiana, Kansas, Maryland, Michigan, Minnesota, Nebraska, Ohio, Utah, and Wyoming. The BBB sent the complaints to the business, but so far there’s no response from the business.

iEarn, LLC, now operating as Success Funding Now, is not a BBB Accredited Business. The business has a BBB rating of F, on a scale from A+ to F. Reasons for this rating include:

• BBB concerns with the industry in which this business operates.
• Length of time business has been operating.
• BBB does not have a clear understanding of this business.

“The BBB urges consumers to check their credit card and bank accounts frequently for any unauthorized charges,” said Jeannette Kopko, BBB Dallas spokesperson. “The unexpected and unexplained charges from iEarn, LLC, now operating as Success Funding Now, are not just an inconvenience to the consumers whose accounts have been charged. The BBB is concerned that the charges may be fraudulent.”

Complaints report that not only is it a mystery where the charges come from, but also the business isn’t answering the phone or replying to emails.

A man in Phillipsburg, KS, said: “On 7-22-2010, $65.32 was charged to my credit card without my approval. When calling the number on my statement I got a recorded message that said due to a large volume of calls any questions would have to be handled by email and they would get back to me within 24 business hours. If I wanted to cancel I would have to give them the last 4 digits of my credit card, which I will not do. I have emailed them twice over the last 7 days and have had no response … “

One clue about the charges can be found on the Web site for Success Funding Now. The site offers a “coaching program” for small businesses, consisting of “educational tools and training needed to help you stay on the cutting edge of knowledge and profitability …” The program is “only $68.74” which “will get you 60 days of access to our Hotline for continued support from our coaches.”

Adding to the mystery, consumers report they’ve been charged varying amounts of $65.32, $67.34, or $68.74.

A woman in Muskegon, MI, was surprised with two $67.34 charges: “I realized while trying to get cash back with a purchase at my local grocery store that there wasn't enough funds to get the cash back I wanted. I called my card company and requested my last transactions. That's when I was given the information of the charges made to iEarn LLC. There are 2 charges of 67.34 completed on the same day.”

The BBB advises consumers that any unauthorized charges on credit cards or bank accounts should be investigated promptly. If the business does not resolve the problem, take these steps:

• Contact your credit card company to dispute the unauthorized charge. For an unauthorized debit on your bank account, contact your bank. You may want to consider reporting the charge as fraud to your credit card company or bank, and to your local police department.

• Continue to keep an eye on your account. Additional unauthorized charges could turn up.

• You may want to talk to your credit card company or bank to see if there are additional steps you can take to protect the account from future unauthorized charges.

• File a complaint about unauthorized charges with the BBB. See www.bbb.org.

• Report the unauthorized charges to the office of the Attorney General in your state. For a list, visit http://www.naag.org/current-attorneys-general.php.

• For tips on identity theft or to report suspected identity theft, contact the Federal Trade Commission (FTC). On the Internet, visit http://www.ftc.gov/bcp/edu/microsites/idtheft/. Or call toll-free 877-438-4338.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

About BBB serving Dallas and Northeast Texas
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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Your Vacant Home May Not Be Insured

8/18/2010

Posted on 8/18/2010 by

If you moved and were unable to sell or rent out your house, you may be surprised to find that your homeowner’s insurance could stop covering it if it sits vacant for too long.

A recent news release by the National Association of Insurance Commissioners (NAIC) warns that you should check the fine print on your homeowner’s policy to see what happens if your home is vacant or unoccupied. “Vacant” means that you have moved out and taken your belongings with you, so the house is empty. “Unoccupied” means that nobody is staying at the home, but the furniture and other belongings remain.

NAIC says that insurers differ on how they cover vacant and unoccupied homes. Some policies might not cover claims if a home has been vacant for 60 days or more. Others might automatically shift to a different amount of coverage (e.g. liability insurance only) after a specific number of unoccupied days.

It makes sense that insurers would have concerns about an empty house. It’s at more risk for a break-in if it’s obvious that nobody’s living there. With nobody around to call 911 or a repairman, a problem like a small electrical fire or leak could turn into a big, expensive disaster. And there’s nobody around to supervise or keep others off the property.

NAIC President Jane Cline recommends that you check with your insurance company before you leave the house vacant and be honest about your situation. While an extra endorsement or vacancy policy may cost more, it could save you big bucks if something bad happens at the house when you are not there.

Scam Alert -- Websites Sell SSNs as Credit Score Fixers

8/17/2010

Posted on 8/17/2010 by
With the economic downturn many people have seen their finances and credit scores go south. A poor credit score can make it hard to rent an apartment or do any number of things essential to daily living. So an online ad offering a credit protection number (CPN) to clean up your credit score may sound like the perfect solution. The problem is that the CPN is really a stolen Social Security Number (SSN), often belonging to child.

According to an August 2nd, 2010 AP article, scammers use computers to find random SSNs, and then check to see if anyone is using those SSNs to obtain credit. If the numbers are dormant, the scammers offer them to customers looking to improve their credit scores, charging from several hundred to several thousand dollars. The customer isn’t told he is buying someone else’s SSN; rather he is told that he is paying for a CPN – a credit-profile, credit-protection or credit-privacy number that will help him raise his credit score to over 700 in 6 months.

The AP article states: “because the numbers often come from young children who have no money of their own, they carry no spending history and offer a chance to open a new, unblemished line of credit. People who buy the numbers can then quickly build their credit rating in a process called ‘piggybacking,’ which involves linking to someone else's credit file.”

Customers are told to use their real name and date of birth with the CPN, but to avoid listing any address or phone number that could connect them to their own current bad credit report. Because it’s unlikely that a child’s credit report will be checked before age 18, the customer using the CPN likely has a number of years before the fraud will be discovered. If you see one of these offers, don’t respond! You may be participating in a fraud.

If you have children, it’s a good idea to go to www.annualcreditreport.com now, no matter what their ages, and see if their credit reports are blank, as they should be. And check back annually. You don’t want your children to find out at age 18 that they have terrible credit reports thanks to someone else buying a CPN and wrecking their credit.

Watch Out for New Credit Card Rules

8/17/2010

Posted on 8/17/2010 by

More changes to the rules for credit card companies are on the way, effective August 22nd. These changes will affect penalty fees and rate increases on your credit card account.

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 mandated a lot of changes to the credit card industry. Some of those changes went into effect on February 22nd, 2010. They included: 45 days notice for interest rate changes; ability to opt out of changes and pay off your balance over 5 years; restrictions on getting a credit card under age 21; and no more double billing cycles. Now another set of changes is going into effect on August 22nd. According to the Federal Reserve Board, here’s what these new credit card rules include:

Reasonable late-payment penalty fees. In the past you paid the same expensive late fee whether your minimum required payment was small or large. The new rule says that your credit card company can’t charge you more than $25 for a late payment unless you’ve been late on one of your last six previous payments, in which case it can up the fee to $35. Also, it can’t charge you a late payment fee that’s more than the minimum payment you owe. So if your minimum payment is only $10 this month, then $10 is all the company can charge you as a late fee.
No inactivity fees. No more being charged a fee for not using your card enough.
One-fee limit. You can’t be charged more than one penalty fee for the same transaction.
Explanation of rate increase. If your credit card company increases the Annual Percentage Rate (APR) it charges you, it has to tell you why.
Re-evaluation of rate increases. If your credit card company does increase your APR, it has to re-evaluate that rate increase every six months. If it decides to lower your rate based on that evaluation, it has to do it within 45 days after completing the evaluation.

To learn more about the new credit card rules visit the Federal Reserve Board’s website.

A word to the wise: if you always pay your credit card on time you won’t have to worry about penalty fees and your credit score will thank you.

CARU Public Service Announcement Asks Parents: "Do You Really Know Where Your Children Are on the Internet?"

8/13/2010

Posted on 8/13/2010 by

New York, NY – August 11, 2010 –The Children’s Advertising Review Unit (CARU) of the Council of Better Business Bureaus, Inc., recently launched its first public service announcements, cautioning parents to be alert to their children’s activities on the Internet.

The PSAs can be viewed at: http://www.youtube.com/user/CARUSelfRegulation.

The spots feature Catherine Hicks, star of the family drama “Seventh Heaven,” and they recast the time-honored broadcast message “It’s 10 p.m. Do you know where your children are?” to reflect contemporary concerns about the privacy and safety of children on the Internet.

“As a learning tool, the Internet provides an amazing depth and breadth of information about the world. As an entertainment vehicle, it can offer experiences that are creative, engaging and fun,” said CARU Director Wayne J. Keeley. “But beyond the boundaries of age-appropriate Web content is territory that is far less benign. It is critical that parents know where their children go on the Internet.”

The PSAs feature three scenarios:

The first spot features young girls viewing an Internet fan-club site. One child calls out to her nearby parent, “Hey, Dad, what’s your credit card number?” “Credit card number?” asks the father, alarmed.
The second depicts young boys viewing a gaming site that requires registration. “Hey, Dad, what’s my Social Security Number?” says one child. “Social Security Number?” asks the worried father.
The third spot features girls viewing a social-networking site where one has just posted a questionable picture. As one girl says “I am glad my mother doesn't have an account,” her mother walks in, sees the picture and states, “We have to talk.”

In all three spots, Ms. Hicks asks the question: “Do you know where your children are on the Internet?”

The PSAs then direct parents to CARU’s Website, www.caru.org, where there is a wide range of information available to parents on Internet safety at CARU’s “Parents’ Corner.”

The PSAs are currently running:

On WABC-TV, which serves the largest market in the country – New York, New Jersey and Connecticut. The PSAs have been broadcast during Good Morning America, Rachel Ray and Live with Regis and Kelly and will continue to air.

“"WABC-TV is committed to the safety of the children in our community and airing this psa allows us to reinforce the importance of children's safety on the internet,” said Saundra Thomas Vice-President of Community Affairs.

On Discovery Kids’ “family-prime” evening programming which includes the shows “Timeblazers,” “Mystery Hunters” and “The Saddle Club.”

“The folks at the Hub and Discovery Kids are delighted to help CARU get this critical message out to parents; know where your children are... in the real world and the virtual world of the Internet,” said Margaret Loesch, President and CEO, The Hub.

CARU is the self-regulatory forum for the children’s advertising industry. CARU’s self-regulatory program sets high standards for the industry to assure that advertising directed to children is not deceptive, unfair or inappropriate for its intended audience.

CARU’s standards are embodied in principles and guidelines first adopted by CARU in 1975 and periodically updated to address changes in the marketing and media landscape. In addition to monitoring ads in all media for compliance with its guidelines, CARU staff also review Websites directed to children to assure compliance with CARU’s guidelines and the federal Children’s Online Privacy Protection Act (COPPA).

In the past three years, CARU has issued nearly 70 decisions on Website safety and online privacy; Internet-related cases account for one-third of CARU’s caseload. CARU’s decisions are available at www.narcpartners.org.

BBB Takes Mystery Out Of Buying Auto Insurance

8/10/2010

Posted on 8/10/2010 by
Fender benders and other vehicle mishaps result in billions of dollars in property damage, medical and legal bills as well as lost income for motorists every year. The right insurance policy can protect consumers from serious financial losses – and keep them in compliance with laws in states that require motorists to carry insurance.

The Better Business Bureau (BBB) advises consumers to make sure they understand the coverage they’re buying so they avoid buying coverage they don’t need – or fail to purchase coverage that will protect them in case of a serious accident. Consumer complaints about coverage often concern delays in handling claims or misunderstandings about billing, so it pays to read policies carefully and check to see if others have filed complaints with the BBB.

Insurance can be a confusing topic, but the BBB has tips that can de-mystify buying coverage. By boning up on the basic terms and shopping with at least three different companies, consumers can feel secure in their decisions about which insurance to buy.

The basic types of coverage include:

Bodily Injury Liability. Pays your legal defense costs and claims against you if your car injures or kills someone. Covers family members living with you and others driving with your permission.
Property Damage Liability. Pays your legal defense costs and claims against you if your car damages another's property. Does not cover your property, including your auto.
Medical Payments or Personal Injury Protection. Pays medical expenses resulting from an accident for you and others riding in your car. Also pays for you or your family members injured while riding in another's car or while walking.
Collision. Pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of who was responsible.
Comprehensive Physical Damage. Pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.
Uninsured or Underinsured Motorist. Pays for costs related to injuries or property damage to you or your family members and guests in your car caused by an uninsured, underinsured, or hit-and-run driver.

Consumers can save money on their policies by comparison shopping and by buying insurance that matches the type of vehicle they own, their driving habits and their financial situation. Some ways to save include:

Ask for Higher Deductibles. Deductibles represent the amount of money you pay before your insurance company fulfills a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your insurance costs substantially.
Drop Comprehensive and/or Collision Coverage on Old Cars. It may not be cost effective to have collision or comprehensive coverage on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts.
Buy a "Low Profile, Low Maintenance" Car. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.
Low Mileage Discounts. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
Automatic Seat Belt and/or Airbag Discounts. Some coverages provide discounts if you have automatic seat belts and/or airbags.
Anti-Lock Brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states require insurers to give discounts for cars equipped with anti-lock brakes while some insurers have a nationwide discount in place.

Ask the insurance company about other discounts you or your family may qualify for, such as discounts for good students, accident-free drivers, driver training courses or having more than one car insured with the company.

Before you buy, check with the BBB for a Reliability Report on a company by going to www.bbb.org or by calling 208-342-4649 or 800-218-1001.

You Too Can Donate Like a Billionaire

8/5/2010

Posted on 8/5/2010 by

BBB Wise Giving Alliance recommends donors research charities fully before they give—just like the billionaires do

August 5, 2010 - Arlington VA - Forty billionaires have pledged to donate a substantial portion of their wealth to charity with the hope of inspiring others to donate to worthy causes as well. While the dollar amount might be less, the BBB Wise Giving Alliance encourages everyone to give like a billionaire by researching any charity fully before making a donation.

“Every experienced philanthropist has a thorough process for vetting charities in order to determine which worthy causes will be able to stretch their dollar the farthest,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “While we aren’t all billionaires, we can all give like one. Evaluating the effectiveness of a charity is more than just looking at the fundraising and administrative costs. Transparency, impact, and accountability are also important factors that everyone should consider before they give.”

The BBB Wise Giving Alliance recommends the following five steps to give like a billionaire:

Take the time to check the organization out with the BBB Wise Giving Alliance and the local charity registration office (usually a division of the state attorney general's office). Don’t be pressured to give before you do your research.
Consider more than just the charity’s finances. Impressive financial ratios are not a guarantee that a charity is being run ethically and effectively. Review the BBB’s Standards for Charity Accountability to identify fundamental features of an accountable organization.
Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization. Sometimes name similarity is used as a ruse to confuse the potential donor.
Watch out for appeals that focus solely on a problem but don’t clearly explain what the charity intends to do about it. The charity’s intended program activities should be spelled out.
If you want to consider donating to a newly established charity, take the time to review the charity’s program plans including its board approved budget. Make sure that it has the capacity to be able to follow through on its intended objectives.

For more advice on how to give like a billionaire or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Alison Southwick at 703-247-9376, or asouthwick@council.bbb.org

Complaints to BBB about Satellite TV Reveal Common Customer Grievances over Terms of the Agreement

8/3/2010

Posted on 8/3/2010 by
Before signing up with a satellite provider, read the contract closely to avoid unexpected charges

August 3, 2010 – Arlington, VA – In the past three years, more than 53,000 customers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DirecTV and 13,000 filed against Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

“Many complaints to BBB about satellite providers stem from steep cancellation fees,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “If customers aren’t satisfied with their service or they can’t afford the cost after the introductory period, it isn’t that easy to cancel because the early termination fees can run into the hundreds of dollars.”

Following are examples of common complaints BBB receives about satellite TV providers:

Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.
Introductory Offers – Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.
Billing issues – Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.
Service issues – Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.
Upgrades Resulting in Contract Extension - Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, BBB recommends that customers:

Get it all in writing – Don’t just take a salesman, installer or customer service representative’s word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.
Read the terms and conditions carefully – Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.
Check every bill closely – The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.
Mark your calendar – Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.
File a complaint with BBB – Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with your BBB. Both Dish Network and DirecTV consistently respond to complaints and BBB has been able to help consumers receive refunds in many cases.

For more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.

Consumer Alert ID Protection: YOU can do most of the work

8/3/2010

Posted on 8/3/2010 by

Here are a few newspaper headlines from the past week: “Personal details exposed via biggest U.S. websites;” “The web's new gold mine: your secrets;” “Microsoft quashed effort to boost online privacy;” “New ID theft target kids' SS numbers;” and “Saint Al's employees join missing tapes victim's list.”

Your identity is under attack. My identity is under attack. We're all at risk of losing birth dates, Social Security numbers, and account numbers.

Reading the stories beneath the above headlines can leave one feeling hopeless. What can you do when there's literally a price tag on your head because your identity is so valuable?

You do have hope when it comes to protecting your identity. Hope rests on one word: vigilance. While there's no guaranteed, 100-percent way to lock your identity and prevent its theft, your vigilance will go a long way in keeping you safe. And, no, you do not need to buy the protection from one of the many companies offering ID theft protection.

Let's take a look at the last headline in the list and the people from St. Al's, St. Luke's and Idaho Power who are dealing with the loss of their personal information by Mercer. Mercer is a human resource consulting company.

The Better Business Bureau started receiving phone calls this week from people who opened their mail box to find a letter from Mercer. The letter explains the data loss and offers one year of free credit monitoring through ID TheftSmart. The recipient is asked to fill out a consumer credit report and credit monitoring authorization form, providing name, date of birth, Social Security number and contact information.

It's important you understand Mercer is part of the same company that owns the ID TheftSmart monitoring product. So, from a very simplified standpoint, the group responsible for losing the data is asking for personal information in order to protect it. Then, after the year is up, you'll be asked if you want to continue with the service, for a fee.

Whether you're part of the Mercer data loss or concerned about the list of threats to your security, here are a few simple steps to protect your identity:

Check your credit report using the only officially recognized resource: www.annualcreditreport.com. Don't fall for the catchy tunes in commercials. The only truly free report is annualcreditreport.com. You can check your report with each of the three reporting agencies once a year for free. The BBB recommends you go to the website and check one agency every four months. For example, check Experian in August, TransUnion in December and Equifax in April. Repeat the process each year.

Then, place a freeze on your credit reports so no one but you can check your reports or take out credit without your permission. Contact each of the three reporting agencies – Experian, Equifax and TransUnion to make the request. If your personal information has been compromised – as is the case with Mercer – the freeze is free. Otherwise, placing the freeze costs about $6 per agency. It's all relatively quick, easy and costs much less than paying a service to do the same thing every year. Bottom line, it's the vigilance you need to keep a semblance of sanity with the barrage of ID theft headlines.

Request a security freeze online or in writing through the mail. If in writing, you must include the following:

• Your first, middle, and last names and any suffix

• Your previous names, such as your maiden name

• Your current and any recent addresses, including your street address, apartment number, city, state and zip code

• Your Social Security number

• Your date of birth

Equifax Security Freeze

https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

P.O. Box 105788

Atlanta, Georgia 30348

Experian Security Freeze

http://www.experian.com/consumer/security_freeze.html

P.O. Box 9554

Allen, Texas 75013

TransUnion Security Freeze

https://annualcreditreport.transunion.com/fa/securityFreeze/landing

P.O. Box 6790

Fullerton, California 92834

Seven Ways for College Students to Fight Identity Theft

8/2/2010

Posted on 8/2/2010 by

College students have enough to juggle when it comes to school, work and their social life and fighting fraud often doesn’t make the list of priorities. Because college students are so susceptible to identity theft, Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

According to the 2010 Identity Fraud Survey Report released by Javelin Strategy and Research, more than 11 million people became victims of identity theft in 2009. Young adults aged 18-24 took the longest to detect identify theft—132 days on average—when compared to other age groups. Subsequently the average cost ($1,156) was roughly five times more than amount lost by other age groups.

“Identity thieves don’t care if you’re a struggling student and don’t have a penny to your name; sometimes all they want is to exploit your clean credit record,” said Alison Southwick, BBB spokesperson. “Young adults that establish good habits for monitoring and detecting fraud are laying a path that will help create a healthy financial road for the rest of their lives.”

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

School mailboxes are not always secure and can often be easily accessed in a dorm or apartment. To combat sticky fingers in the mailroom, have sensitive mail sent to a permanent address such as the parents’ home or a PO box.

Important documents should be stored under lock and key—such as in a filing cabinet. This includes social security card, passport and bank and credit card statements. Shred any paper documents that have sensitive financial information rather than just tossing them out. Also shred any credit card offers that come in the mail.

Never loan your credit or debit card to anyone, even if they are a friend. Also just say no if your friend wants you to cosign for a loan or financing for items like a TV.

Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software which help keep your computer safe from any new advances by identity thieves online.

Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.

When shopping on unfamiliar websites, always check the company out first with BBB online. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

For more advice on fighting fraud and managing personal finances visit us online at http://www.bbb.org/us/consumer-tips-finance.

Beware of Deceptive Auto Loan Modification Offers

8/2/2010

Posted on 8/2/2010 by

Ads on TV may promise to modify car loans and stave off a visit from the repo man, but some companies fail to carry through on their promises. Better Business Bureau recommends that cash-strapped consumers save their money by trying to work out a deal with the lender directly before paying out hundreds in upfront fees to a loan modification company.

High unemployment in the country means that many families are struggling to make ends meet and the number of repossessed cars continues to rise. More than 1.9 million cars were repossessed by lenders in 2009 according to Manheim Auctions. Some businesses are seeing an opportunity in the increased number of repossessed cars and claim that, for a large up-front fee, they can work with the lender to modify the terms of the loan for the borrower.

“Auto loan modification companies are following in the footsteps of unscrupulous mortgage modification companies which have long targeted struggling families who are just trying to stay above water,” said Alison Southwick, BBB spokesperson. “Some companies may make it look like they are tossing out a life preserver, but they end up pulling many borrowers deeper underwater.”

BBB has received complaints from across the country against one Florida-based company, Auto Relief Group (ARG).Complainants say they paid hundreds of dollars in advance fees in exchange for the promise that ARG would significantly reduce the monthly payments on their car loans. Complainants wanted their money back after the company was unsuccessful in modifying the car loan. ARG has also caught the attention of the Florida Attorney General who has filed a lawsuit against the company for deceptive and unfair trade practices

If you’re having a hard time making payments on your auto loan and are considering assistance from a loan modification company, BBB recommends that you:

Start with your lender. Many complainants to BBB stated that their lender told them they didn’t need to pay a company to help modify their loan and they could have worked something out together. Lenders are often eager to work out a more convenient payment plan because it’s in their best interest to keep you paying your bill.

Do your research. If you are planning to enlist the help of a third party to modify your loan, always research the company with your BBB first. The business’s BBB Reliability Report will tell you how many complaints BBB has received, if the company has responded to complaints and if there are any government actions or lawsuits against the business.

Beware of Advance Fees. Large fees in advance should be considered a red flag even if the company claims to offer a money-back guarantee if they are unsuccessful. Some states do not allow companies to charge customers in advance for financial services including loan modification.

Get it in writing. Ask for documentation from the company. Be sure it discloses the services they will provide and their terms including refund policies and any money-back guarantees.

Complain to BBB. If you feel you’ve been misled by a loan modification business, file a complaint with your BBB online. Even if the business is unwilling to resolve the issue, your complaint will serve as a warning to other consumers about that business.

For more advice on managing personal finances, visit us online at www.bbb.org/us/consumer-tips-finance

Three Easy Steps to Dispose of Office Electronics Safely

8/2/2010

Posted on 8/2/2010 by

Disposing of outdated office computers, printers and copiers the right way is not only important for protecting the environment, it also staves off the efforts of data thieves. Better Business Bureau explains the three steps necessary for small business owners to dispose of old office equipment safely and securely.

Electronics contain toxic poisons such as lead, mercury and cadmium which if they are just tossed into a landfill will eventually leak out and pollute the soil and water. According to the Environmental Protection Agency, 1.84 million tons of TVs, computers, printers, cell phones and other electronics were discarded primarily into landfills in 2007. Only 18 percent of discarded electronics were recycled that year, however, the EPA notes that e-cycling is growing in popularity perhaps due to mandatory programs in some states.

“When tossing old electronics you need to consider both the environmental and data security concerns,” said Alison Southwick, BBB spokesperson. “Computers, cell phones and copiers not only contain toxic chemicals that can pollute the environment, they also contain a wealth of information that data thieves would love to get their hands on.”

BBB recommends taking the following step to ensure that all hazardous and data sensitive office equipment is disposed of the right way:

Step 1: Identify hazardous and data-sensitive electronics
The following office equipment contain toxic materials or sensitive data and should be recycled responsibly and not just tossed into the garbage:

Computer CPUs
Mobile phones
Copiers, Printers and Fax Machines
Monitors, Keyboards, Speakers and Mice
Landline phones
Computer cables and wires
TVs, VCRs, DVRs and stereos

Step 2: Destroy Sensitive Data
While most electronics have toxic components, some also contain sensitive business information stored in the product’s hard drive. Ensure that any data has been wiped before getting rid of the following electronics:

Computers: You can purchase inexpensive software to wipe a computer’s hard drive, but the data could still be retrievable to a determined person. If you have extremely sensitive information that you don’t want getting into anyone’s hands, the most secure way of destroying the data is to remove and physically destroy the hard drive.

Copiers and Printers: Copiers and printers have internal hard drives that save digital copies of the documents it has printed. Consult the manual to find out how to wipe the memory; you can also use third-party software to overwrite the hard drive. The most secure way of erasing data is to physically destroy the hard drive—as long as you don’t lease the product. If you lease, consult with the company on how your data will be erased.

Mobile Phones: Consult the owner’s manual or search online for directions on how to wipe the phone’s memory. Remove the SIM card if your phone has one.

Step 3: Dispose Properly
When it comes to actually getting rid of outdated office electronics, there are many options available depending on the condition of the item, the retailer, the manufacturer and, in some cases, state laws. Following are the main disposal methods to consider:

Donate – Schools, charities and community organizations can use your electronics—such as computer equipment, phones, copiers and printers—as long as they are in proper working condition. Your donation may even be tax deductible.

Recycle – There are many companies across the country that break down and recycle old electronics for free. They usually have drop off locations or you may even be able to schedule a pick up if you have many heavy items. To locate a BBB Accredited e-cycler visit www.bbb.org/us/bbb-accredited-businesses. Many states also offer e-cycling programs—some of which are mandatory. A list of state programs are available on the EPA’s web site: http://www.epa.gov/osw/conserve/materials/ecycling/live.htm

Return – Some manufacturers including Cannon and Apple and even retailers such as Best Buy and Costco provide “take back” programs to help customers recycle their old products safely and cheaply. Every major cell phone carrier will also take your old cell phone and donate it to a charity or have it disposed of properly. The EPA has a list of manufacturer and retailer programs online at http://www.epa.gov/epawaste/conserve/materials/ecycling/donate.htm

Resell – While more labor intensive, you may be able to make a little money selling your electronics through auction websites or online classifieds. Be wary if any buyers overpay or ask you to wire money for any reason.

For more small business advice on how to manage data check out Data Security – Made Simpler at www.bbb.org/data-security

Watch Out For Common Scams Targeting Seniors

7/30/2010

Posted on 7/30/2010 by

Fraud targeting senior citizens is a growing concern as millions have fallen victim to scammers. Better Business Bureau encourages families to keep the lines of communication open with their elders regarding finances and to recognize some common cons targeting senior citizens.

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older--already have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

“Having a serious conversation with your elderly parents about how they are managing their money is not easy, but it is extremely important in order to help protect them from unscrupulous crooks,” said Alison Southwick, BBB spokesperson. “It’s extremely important to keep the lines of communication open so that you can identify suspicious spending habits, as well as educate your elder family members on recognizing the red flags of common cons.”

BBB warns against the following three scams that commonly target senior citizens:

Sweepstakes and Lottery Scams –Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

BBB Advice: Never wire money to someone you don’t know. You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice – Find professionals you can trust by checking out BBB’s directory of Accredited Businesses. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: www.bbb.org/us/consumer-tips-scams/

BBB Offers Advice To Victims of Eagle Foothills Fire

7/29/2010

Posted on 7/29/2010 by

Disasters of the scope of the July 28^th Eagle Foothills area fire are rare for local residents. What is not so rare are the scam artists who see opportunities for a quick dollar at the expense of disaster victims.

Better Business Bureau advises homeowners and other residents affected by the fire to exercise caution when dealing with contractors who may contact them. “Disasters will bring out the unscrupulous who take advantage of a disaster victim’s circumstances in order to make a quick buck,” warned Dale Dixon, president of BBB Serving the Snake River Region.

The BBB offers the following advice to the fire victims:

· Keep all receipts spent on supplies and living expenses for future reimbursement.

· Do not make any permanent repairs until you get approval from your insurance company. Your insurer might not fully reimburse you for repairs made without authorization.

· Be especially alert in dealing with contractors.

· Contact the BBB (342-4649 or bbb.org) to research a business through the free reliability report

· Be wary of contractors soliciting business door-to-door.

· Ask contractors if they have done this type of repair work before, if they will be purchasing necessary permits, and if the work will be inspected.

· Determine if a contractor, electrician or plumber is registered or licensed. All contractors doing business in the state are required to be registered with the Idaho Contractor’s Registration Board.

· Try to get three separate bids on the job.

· Ask for references.

· Obtain a written contract.

· Be cautious in dealing with a contractor who asks for a large down payment.

· Pay the contractor at the end of the job, or pay only for the portion of the job that has been completed.

· Avoid making final payment until you have received a lien release.

· Check for a permanent place of business, telephone number, tax I.D. number and business license.

· Look for a company with a proven track record that readily offers client references and a list of completed projects. Call these clients to find out whether they were satisfied.

· Have the contractor explain his or her project supervision and quality control procedures. Request the name of the person who will be in charge, how many workers will be required and the estimated completion time.

· Carefully read and understand any warranty offered and watch for provisions that would void it. The lowest bid is not always the best option. Remember, a price is only one criteria for selecting a contractor. Professionalism and quality workmanship also should weigh heavily in your decision.

Dixon said, “The fire is a lesson for all residents to take some basic preparedness steps to ease the stress and anguish after disaster strikes. “

Preparing for a Disaster

· Create and maintain an inventory of your personal possessions. This includes taking pictures or creating a video, as well as keeping receipts for major items. The inventory should be saved in a safe place outside the home, such as in a safe deposit box at your bank.

· Make sure you carry your policy numbers and contact information for your insurance company with you at all times.

· Read your homeowners policy or renters policy carefully, including all the fine print, so you know what is and isn’t covered, especially what you’re entitled to following a disaster and what type of reimbursement or replacement you receive. And, make sure you know the deadline for filing claims.

U.S. Government Puts Public Education for New $100 Note into High Gear

7/28/2010

Posted on 7/28/2010 by
Today, the U.S. government released the first in a series of educational videos, amplifying public education efforts for the new $100 note, which will begin circulating on February 10, 2011. The public education program kicked off in April with the unveiling of the new design for the $100 note and the launch of a new educational website.

"The educational video series we are launching today is but one among a diverse array of educational tools designed to meet the needs of U.S. currency users the world over," said Dawn Haley, Chief, Office of External Relations at the U.S. Department of the Treasury's Bureau of Engraving and Printing. Globally, there are approximately 6.5 billion $100 notes in circulation, and the Federal Reserve Board estimates that up to two-thirds of those notes circulate outside of the United States. "To ensure a smooth introduction of the new $100 note, we must prepare users for it and educate them on how to authenticate. We want people to know its features so they can know it's real."

Beginning today and continuing through the February 10 Day of Issue, there will be a steady stream of educational information available, including:

Video Series - Six short videos will cover topics such as how to detect a counterfeit note, the art of banknote design and how new notes enter circulation. The episodes will feature guests from the Bureau of Engraving and Printing, the Federal Reserve Board and the United States Secret Service. The first episode is an introduction to the $100 public education program and is available beginning today at www.newmoney.gov.
Training Sessions - Officials from the Federal Reserve Board and the United States Secret Service will be conducting training sessions about the new $100 note's security and design features at seminars attended by cash-handling organizations. Information on dates and locations will be posted on www.newmoney.gov as they become available.
Training Materials ? Free cash handler training materials are available for download, or order free of charge at www.newmoney.gov. The training materials for the $100 note are available in 25 languages.
eNewsletters ? Those who have subscribed for e-mail updates about the public education program will receive The $100 BankNote, a periodic electronic newsletter carrying news and information about the new $100 note. Subscribers received the first edition today. Go to www.newmoney.gov and click on "E-mail Updates" to join the subscription list.
Social Media Updates ? The government has launched social media pages on Facebook, Flickr, Twitter, MySpace and YouTube to update the public about changes to U.S. currency. Go to www.newmoney.gov and click on "Stay Connected" for access to these resources.

"It will be important for the people around the world who rely on the $100 note to know that they will not have to trade in their older design $100 notes when the new ones begin circulating," said Michael Lambert, Assistant Director at the Federal Reserve Board.

Protecting and maintaining confidence in U.S. currency requires a combination of effective public education, law enforcement and security features.

There are a number of security features in the redesigned $100 note, including two new features, the 3-D Security Ribbon and the Bell in the Inkwell. These security features are easy for consumers and merchants to use to authenticate their currency.

The blue 3-D Security Ribbon on the front of the new $100 note contains images of bells and 100s that move and change from one to the other as you tilt the note. The Bell in the Inkwell on the front of the note is another new security feature. The bell changes color from copper to green when the note is tilted, an effect that makes the bell seem to appear and disappear within the copper inkwell.

The new design for the $100 note retains effective security features from the previous design, including the portrait watermark of Benjamin Franklin, the security thread and the color-shifting numeral 100.

For a more detailed description of the redesigned $100 note and its features, visit www.newmoney.gov, where you can watch an animated video, click through an interactive note or browse through the multimedia resources for images and B-roll.

Consumer Alert: Social Security Recipients Beware of Scams

7/26/2010

Posted on 7/26/2010 by

The Better Business Bureau is receiving numerous reports from Social Security benefit recipients that they may be the target of a scam surfacing in Eastern Idaho.

According to calls received at the BBB, the potential victim receives a call from someone claiming to be an employee of the Social Security Administration. The caller tells them they are due to receive a new Social Security card or that they are entitled to free “medical” cards. The caller then asks for personal information including social security and checking account numbers in order verify direct deposit information.

According to Fred Sica, Regional Executive Director of the BBB, “this is a scam that the Social Security Administration has previously warned consumers about.” Remember, the federal government or legitimate businesses will not ask you for bank account or social security numbers over the phone.

Do not release information without first verifying the validity of the call.”

For more information, please visit us at bbb.org or call 208 523-9754

Your Cell Number is not Going Public

7/22/2010

Posted on 7/22/2010 by

Have you gotten an email forwarded to you by one of your friends lately saying that one day very soon the list of all cell phone numbers is going to go public and you will be spammed by unwanted sales calls? Actually, it’s not going to happen.

There are some rumors that just will not die, and this is one of them. Since at least 2004 there’s been an email making the rounds that says that all cell phone numbers are about to go public and be released to telemarketers. According to the email, you will be spammed by sales calls (and they will go on your cell phone bill) unless you call a special number at the national Do Not Call (DNC) Registry to get your cell phone number blocked for the next 5 years.

So, what’s the real deal? Well, there is a national DNC Registry, and there’s no harm in registering your cell phone number on it, but there is NO national release of cell phone numbers scheduled or planned. According to the Web site snopes.com, this rumor started several years ago when some of the major wireless companies planned to create a 411 national directory. In the end, the directory never happened – but the rumor that it’s out there and telemarketers will soon have access to it just won’t go away.

The Federal Trade Commission (FTC) has a special Web page http://www.ftc.gov/opa/2007/02/dnccellphones.shtm about this story-that-will-not-die. On it they say that:

Cell phone numbers are NOT being released to telemarketers, and you will NOT soon be getting telemarketing calls on your cell phone.
There is NO deadline to register your cell phone number with the DNC Registry.
Telemarketers are not allowed to use automated dialers to call cell phone numbers. Since that’s what most of them use, they wouldn’t be calling your cell phone number even if they had it.
There is only one DNC Registry. There is no separate one for cell phones. The DNC Registry registers both cell phones and land lines. You must call from the phone number that you want to register. If you register online, you must respond to a confirmation e-mail.
And, by the way, in 2007 the FTC got rid of the 5-year expiration date on DNC registries. So once your number’s registered, you won’t have to renew it.

To put your phone number in the DNC Registry, go to www.donotcall.gov or call toll-free, 1-888-382-1222. But there’s no need to panic if you don’t get around to it today.

Beware of UN Job Scams

7/22/2010

Posted on 7/22/2010 by

Getting out of the military soon? Thinking of applying for a job with the United Nations (UN) using the job and language skills you picked up during your deployments? Well, there are scammers who hope you will!

According to a July 12th, 2010, press release http://www.un.org/News/Press/docs//2010/l3161.doc.htm from the UN’s Department of Public Information, there have been a number of scams recently misusing the UN’s name and emblem on correspondence, Web sites and emails circulating worldwide. As always with scams, the intent is to acquire money and/or personal information from those who take the bait.

The UN wants the public to know that:

If you are looking for a job with them, they do not charge a fee at any stage of their recruitment process. Every job opening at their job site http://careers.un.org/UNCareers/tabid/65/language/en-US/Default.aspx has the following statement: “The United Nations does not charge a fee at any stage of the recruitment process (application, interview meeting, processing, training or any other fees). The United Nations does not concern itself with information on bank accounts.”
The UN does not request information from individuals about their bank accounts or other private information.
The UN does not offer jobs, prizes, awards, funds, certificates or scholarships through unsolicited email, mail, fax or phone calls. Officially authorized UN offers would be communicated only through official channels. The UN does not conduct lotteries or compensate victims of fraud.

For a more complete list of scams, read the UN warning http://careers.un.org/UNCareers/tabid/65/viewtype/SCAM/language/en-US/Default.aspx posted on their job site. If you have been a target or a victim of a UN-related scam, they suggest you report the scam to national law enforcement agencies for appropriate action. You can also file a complaint at www.bbb.org.