Top Ten Scams of 2013

January 24, 2014

ORLANDO,FL- January 21, 2014 – This year’s top scams have one thing in common. Theytake advantage of those who are most vulnerable. BBB Serving Central Floridahears from thousands of elderly consumers annually who have fallen for foreignlottery or prize promotion scams. Seniors make particularly tempting targets.BBB urges consumers to education yourself and protect your loved ones fromthese common scams.   

TheBBB’s Top Ten Scams are ranked based on number of specific inquiries made byconsumers to provide insight on the deceptive and sometimes illegal businesspractices in 2013. 

"In2013, consumers were tight for cash and were trying to improve their financialsituations,” said Judy Pepper, president & CEO of theBBB. "Scammers took advantage of these vulnerable consumers.” Pepperexplained, “It is important to be aware that these scams exist. That way peoplecan avoid losing money or personal financial information.”

Thecomplete list of Top Ten Scams in 2013 from the BBB includes:

  1. Advance Fee Brokers. Often these appear to be very professional operations with attractive websites and advertisements. However, it is illegal for a business to charge a fee prior to providing a loan. Typically, after wiring money to the scammer, the victim never receives the loan. These “lenders” will use fake physical addresses or the addresses of real companies.
  1. Work-At-Home Schemes. Legitimate telecommuting jobs do exist; however, many work-from-home opportunities are scams. Promising convenient work always attracts attention; however, when the requirement is to send money for materials first, consumers should always be on guard. Do not purchase services or products from a firm that’s reluctant to answer your questions and be cautious of any company that offers an exceptionally high salary requiring few skills and little work. Check offers out thoroughly for free with the BBB at 
  1. Credit Repair Services with Advance Fees. Consumers with bad credit ratings are particularly vulnerable to this scam. Everything a credit-repair operation offers an individual can do personally at little or no cost. Credit repair operations cannot ask for money in advance and they cannot automatically remove legitimate negative reports from your credit history.
  1. Foreign Lotteries. Any lottery from a foreign country is illegal in the United States. Stating a person can win or is a winner already provides a strong incentive; however, people should never send money to obtain lottery money. Scammers using fictitious addresses will request you send “fees and taxes” to them through a wire service, take the cash and never provide any winnings because there are no winners.
  1. Office Supplies - Sale by Deceptive Telemarketing. This scam features fake invoices for office supplies being sent to a business, often for only a couple hundred dollars. This relatively low amount makes it easier for company personnel to quickly sign off and feel it is not worth their time to check the invoice’s validity, which would be done if it was for a larger amount. 
  1. Prize Promotions. There are several variations of this scam, but most include some aspect that requires people who are identified as “winners” to provide money or some type of personal information, such as a credit card or social security number, to verify being a winner. In the end, no prize is awarded and the personal information is then used to withdraw a victim’s money from accounts or for identity theft.
  1. Paving, Painting & Home Improvement by “Traveling” Workers. Never pay upfront to a “traveling” contractor who just happens to be in the neighborhood, is doing work nearby, or has extra materials. The technique to get your money often requires you to pay for added materials. Once you pay the contractor, he disappears with the money and no work is ever done. Having access to your property also provide an opportunity for these people to check what valuables you may have for a future burglary or ID theft.
  1. Pyramid Companies. Pyramid schemes within companies are fraudulent because returns to investors are paid from personal money or the money paid by the newest investors, rather than from any actual profit earned by an individual or organization running the operation. These scams collapse because payouts exceed investments, or because the legal authorities prosecute the organizers for sale of unregistered securities. Often the organizers simply disappear with funds sent to them.
  1. Sweepstakes. If you don’t remember entering a sweepstakes, be very suspicious about being declared a winner. If the prize provider wants you to send money or give your social security number to receive your prize, take no action. If you send money you will likely never receive a prize or you will get a prize of lesser value than the money you’ve sent. 
  1. Debt Relief Services (Non-Compliant with FTC rule). The Federal Trade Commission has established rules for debt relief services (for profit businesses that represent that they renegotiate, settle or alter the terms of payment for an unsecured debt). The FTC rule governs disclosures and representations that debt relief services can make and does not allow advance fees. There are legitimate debt relief companies that comply with the FTC rule and the Better Business Bureau is identifying only the non-compliant companies as scams. 

“Beforegiving any company your personal or financial information, review the businesson the BBB website,” said Pepper. “And remember, if an offer seems too good tobe true, it probably is.” 

Formore information on these top 10 scams, visit




Asa private, non-profit organization, the purpose of the Better Business Bureauis to promote an ethical marketplace. BBBs help resolve buyer/seller complaintsby means of conciliation, mediation and arbitration. BBBs also reviewadvertising claims, online business practices and charitable organizations.BBBs develop and issue reviews on businesses and nonprofit organizations andencourage people to check out a company or charity before making a purchase ordonation.