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

2/3/2012

Posted on 2/3/2012 by
Arlington, VA – 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.

For more consumer information you can trust, visit www.bbb.org/news.

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.

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.

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.

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.

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 below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

Look Out for Super Bowl Scams

1/24/2012

Posted on 1/24/2012 by

Arlington, VA – 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.

Watch Out for New Wave of Fake BBB.org Emails

1/23/2012

Posted on 1/23/2012 by

Businesses and consumers across the country have been hit by an on-going email scam that appears to be from a bbb.org address. Now, a new wave of fake BBB emails is using a different strategy to scam recipients into downloading a virus.

The New Email Scam

In this new wave, emails have a subject line reading "BBB SBQ Form," followed by a series of numbers. Recipients are asked to click on a link to update their information with Better Business Bureau. The link supposedly leads to a form on BBB.org, but it really goes to a third party website that downloads a virus on to your computer.

In addition to the new wave of emails, the original version of the email scam is still out there. In this, recipients are told that a complaint has been filed against their business, and they need to respond by clicking on a link in the email. Again, the link takes them to a third-party website that infects their computer with a virus.

What to Do

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 screen shot below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

After you have identified a scam, please forward the email to phishing@council.bbb.org and delete it from your inbox. Also, make sure your virus software is up to date.

Buenos propósitos de Año Nuevo: bajar de peso sin perder dinero

1/11/2012

Posted on 1/11/2012 by

Bajar de peso es uno de los buenos propósitos de Año Nuevo más comunes, tras haber comido en exceso durante la época de las fiestas. Si este año se compromete a bajar algunos kilos inscribiéndose en un gimnasio, la organización Better Business Bureau (BBB) le recomienda hacer diez preguntas antes de firmar en la línea de puntos.

Cada año nuevo, millones de consumidores llenan los gimnasios armados con fuerza de voluntad y objetivos personales para lograr llevar estilos de vida más saludables y activos. Si bien es emocionante prepararse para alcanzar un objetivo, también es importante considerar esta decisión como cualquier otra compra importante. Hasta la fecha, la BBB ha recibido más de 6600 reclamos contra gimnasios, que van desde asuntos relacionados con la facturación y el cobro hasta asuntos relacionados con el contrato en general.

Inscribirse en un gimnasio puede ser una compra importante, de modo que primero consulte www.bbb.org/search para conocer las calificaciones de su gimnasio. Además, la BBB recomienda preguntar en el gimnasio y hacerse a sí mismo las siguientes preguntas antes de convertirse en socio:

Cinco preguntas para hacer en el gimnasio:

¿Cuáles son los términos de las ofertas iniciales? Los gimnasios suelen usar ofertas iniciales para atraer nuevos socios. Simplemente asegúrese de comprender los términos y cuál será el precio una vez finalizado el período inicial.

¿Se renovará automáticamente mi membresía? Muchas veces las personas que se inscriben en un gimnasio no se dan cuenta de que sus contratos se renovarán automáticamente y que deberán tomar medidas específicas para cancelarlos.

¿Cómo puedo rescindir mi contrato? La rescisión del contrato con un gimnasio no siempre es una tarea tan sencilla como convertirse en socio, de modo que asegúrese de comprender las medidas que deberá tomar para cancelar la membresía.

¿Qué sucede si me mudo? Los gimnasios tienen varias políticas diferentes en cuanto a cómo una mudanza podría afectar su membresía. Esto podría depender de cuán lejos usted se mude y si tienen otra sede cerca de su nuevo domicilio.

¿Qué sucede si el gimnasio cierra? Pídale al personal del gimnasio que le explique lo que sucederá con su dinero si el gimnasio cierra de forma repentina.

Cinco preguntas para hacerse a sí mismo al buscar potenciales gimnasios:

¿Cuáles son mis objetivos de estado físico? La determinación por anticipado de sus objetivos en cuanto a su estado físico le permitirá seleccionar la instalación que sea más adecuada para usted. Si tiene una afección médica grave, consulte a un profesional médico al fijar sus objetivos de estado físico.

¿Es conveniente esta ubicación? Si el gimnasio está del otro lado de la ciudad, habrá menos probabilidades de que concurra para realizar ejercicios. Elija un gimnasio que esté cerca de su trabajo o de su casa, para que la ubicación no sea un impedimento para ejercitarse.

¿Puedo pagar realmente la cuota todos los meses? Las cuotas mensuales del gimnasio se suman y, tras la finalización de cualquier período inicial, el precio podría aumentar más de lo que su presupuesto puede abarcar. Haga cuentas antes de convertirse en socio y asegúrese de que puede pagarle la membresía al gimnasio.

¿Me siento presionado a inscribirme? No ceda ante tácticas de venta agresivas para inscribirse de inmediato. Un gimnasio de renombre le dará el tiempo suficiente como para leer el contrato detenidamente, recorrer las instalaciones y tomar una decisión informada.

¿Me dieron todo por escrito? Lea el contrato detenidamente y asegúrese de que todas las promesas que realizó el vendedor de forma oral estén plasmadas por escrito. Lo que vale es el documento que usted firma; por lo tanto, no se conforme con la palabra del vendedor.

Para obtener más recomendaciones de la BBB sobre cómo ser un consumidor inteligente todo el año, visite www.bbb.org.

Buenos propósitos de Año Nuevo: evitar las deudas navideñas comenzando hoy un Club de Navidad

1/11/2012

Posted on 1/11/2012 by

Tras las fiestas de fin de año, ¿quedó endeudado para el nuevo año? ¿Las facturas de enero arruinaron su espíritu festivo? ¿Está determinado a no despilfarrar su presupuesto navideño el próximo año?

Este es el momento de planificar con antelación para que las fiestas de 2012 sean alegres y llenas de felicidad, y no se vean opacadas por deudas inminentes. Abrir una cuenta Club de Navidad podría ser la forma perfecta de empezar bien sus finanzas este nuevo año. La organización Better Business Bureau (BBB) les recomienda a los consumidores que planifiquen con antelación y que hagan que la época de las fiestas del próximo año sea más sencilla para las finanzas familiares al abrir hoy una cuenta Club de Navidad.

Tradicionalmente, las cuentas Club de Navidad se han ofrecido en cooperativas de crédito y en la mayoría de los bancos. Los clientes pueden apartar una pequeña cantidad de dinero todos los meses en una cuenta de ahorros hasta el otoño, cuando pueden comenzar a realizar retiros para afrontar los gastos de las fiestas. Según la Asociación Nacional de Cooperativas de Crédito (Credit Union National Association), casi el 72 % de las cooperativas de crédito establecen Clubes de Navidad, y el interés de los consumidores en estos clubes se mantiene firme.

Algunos comercios minoristas también ofrecen su propia versión del Club de Navidad que paga intereses por el dinero que usted aparta con ellos durante todo el año. Sin embargo, a diferencia de abrir una cuenta con un banco o una cooperativa de crédito, el dinero debe gastarse en ese comercio minorista.

“Además de tomarse el tiempo de comparar precios y productos para obtener la mejor tasa de interés, también es importante leer toda la letra chica que aparece en ese tipo de cuentas”, señaló Katherine Hutt, vocera del Consejo de Better Business Bureaus. “Una cuenta Club de Navidad es una excelente herramienta para ahorrar durante todo el año y la forma perfecta para que las familias controlen sus gastos para las fiestas”.

La BBB recomienda que nunca es muy pronto para considerar la elaboración de un presupuesto para la época de las fiestas del próximo año y ofrece las siguientes recomendaciones para abrir una cuenta Club de Navidad:

Diseñe un presupuesto y cúmplalo. Considere cuánto gastó en la época de las fiestas anterior para así poder anticipar cuánto deseará apartar cada mes. Para ayudarlo a elaborar un presupuesto para las fiestas, la BBB, junto con ClearPoint Financial Solutions, desarrolló una herramienta interactiva de elaboración de presupuestos que incluye una calculadora de gastos para las fiestas.

Comience a ahorrar hoy. Cuanto más pronto comience a apartar dinero cada mes, mejor. Al abrir una cuenta Club de Navidad en enero o febrero, recibirá más beneficios de la tasa de interés y comenzará bien el año.

Compare precios y productos, y pregunte. Si bien la tasa de interés de las cuentas Club de Navidad no suele ser muy alta, puede variar, de modo que compare productos y precios para encontrar las mejores opciones.

Lea la letra chica. Los Clubes de Navidad son, básicamente, cuentas de ahorros a corto plazo; sin embargo, existen algunos detalles que las diferencian. En algunos casos, es posible que se exija un depósito mínimo para abrir la cuenta o el depósito de un monto mínimo mensual. Además, suele existir una multa financiera por el retiro de fondos antes de que llegue la época de compras para las fiestas.

Automatice el proceso. La mayoría de las cuentas Club de Navidad permiten deducciones automáticas mensuales de su cuenta bancaria o sueldo. Esto permite aliviar los problemas económicos. Simplemente asegúrese que no apartar demasiado dinero para no correr el riesgo de girar en descubierto.

Conozca el acuerdo de los comercios minoristas con los Clubes de Navidad. Algunas tiendas ahora ofrecen sus propios Clubes de Navidad. El dinero que reúne la empresa durante todo el año solo puede usarse en sus tiendas, de modo que evalúe sus necesidades de compras para las fiestas antes de comprometerse con un comercio minorista en particular.

Para obtener más sugerencias confiables para el consumidor, visite www.bbb.org/us/bbb-news.

Preparación de un plan contra desastres para su empresa y sus empleados

1/10/2012

Posted on 1/10/2012 by

Responder ante un desastre natural o una emergencia no solo significa garantizar la seguridad inmediata de sus empleados, sino también planificar cómo la empresa seguirá funcionando en el período subsiguiente. Incluso si su empresa no está ubicada en un área propensa a desastres naturales o provocados por el hombre, debe prepararse para lo inesperado con un plan integral de continuación del negocio. La organización Better Business Bureau (BBB) les recomienda a los dueños de empresas que desarrollen un plan de acción en caso de que sus empresas tengan que hacer frente a un desastre.

La elaboración de un plan contra desastres para su empresa es una excelente forma de comenzar el nuevo año. Según el Instituto de Seguros para la Seguridad de Negocios y del Hogar (Insurance Institute for Home and Business Safety), una de cada cuatro pequeñas empresas que se ve obligada a cerrar debido a un desastre no vuelve a abrir. Las empresas que cuentan con un plan de continuidad del negocio —y lo ponen en práctica durante el desastre o tras este— suelen sufrir menos daños, pérdidas y tiempo de inactividad que las empresas que no cuentan con uno.

“Si su empresa carece de un plan de emergencia, un desastre natural puede convertirse en una catástrofe comercial”, afirma Katherine Hutt, vocera del Consejo de Better Business Bureaus. “Sin embargo, un plan de emergencia sólido puede brindarle mucha tranquilidad y una mayor sensación de seguridad”.

Una vez que haya hecho planes para garantizar la seguridad de sus empleados, la BBB le ofrece las siguientes recomendaciones para ayudarlo a que su empresa siga funcionando y satisfaciendo las necesidades de sus clientes tras un desastre:

No permita que la situación lo tome por sorpresa. Considere los diferentes tipos de desastres, como incendio, inundación, tornado, etc., que pueden producirse y cómo su empresa respondería de distinta manera ante la posibilidad de verse obligada a abandonar sus instalaciones durante una semana, un mes o más tiempo.

Conozca sus inmediaciones. Determine ubicaciones alternativas donde su empresa pueda funcionar si se ve obligado a abandonar su edificio actual. Esto podría significar permitirles a los empleados que trabajen desde sus hogares o encontrar una ubicación alternativa para su oficina o tienda.

Prepare a su personal. Identifique al personal esencial que es fundamental para las operaciones de la empresa y conserve una lista de sus números de teléfono (particular, laboral, buscapersonas, celular) y direcciones de correo electrónico a las que los empleados puedan acceder desde varias ubicaciones (hogar, Internet, etc.).

Comunique, comunique, comunique. Elabore un plan de comunicaciones de emergencia que detalle cómo su empresa se comunicará con los empleados, clientes, proveedores y otros contactos externos clave en los días posteriores a un desastre. Contáctese con los proveedores y distribuidores para confirmar sus procedimientos del plan de respuesta ante emergencias. Esté preparado para usar proveedores alternativos de equipos y suministros esenciales. Asegúrese de mantener sus equipos de respaldo en buen estado.

Tenga un inventario actualizado de sus bienes. Revise sus pólizas de seguro para asegurarse de contar con la cobertura adecuada de los artículos que no puede darse el lujo de perder. Es posible que una póliza estándar no cubra pérdidas por interrupción del negocio.
Guarde sus documentos de forma segura y efectiva. Conserve duplicados de los registros de personal, nómina, cuentas por pagar y cuentas por cobrar, y de otros registros esenciales en un lugar fuera del establecimiento comercial. Haga copias de seguridad de los archivos informáticos importantes con frecuencia.

Establezca una sucesión de gestión para la compañía. Determine quién administrará la compañía en caso de que los líderes clave no estén disponibles.

Para obtener más sugerencias comerciales confiables, visite www.bbb.org/us/bbb-news.

No adentrarse en una estafa de vacaciones

1/10/2012

Posted on 1/10/2012 by
A medida que se acercan los meses de invierno y la nieve comienza a acumularse, nada suena mejor que relajarse bajo el sol tropical. El invierno y la primavera son excelentes meses para hacer un crucero; sin embargo, la organización Better Business Bureau (BBB) les recomienda a los consumidores que lean toda la letra chica antes de firmar un acuerdo especial para hacer un crucero.

En 2011, la BBB recibió más de 1300 reclamos contra cruceros. Si bien muchas ofertas de cruceros son legítimas, siempre están aquellos pocos acuerdos engañosos en los que se terminan adueñándose de miles de dólares de las víctimas. La BBB insta a los consumidores a ser precavidos con los correos no solicitados con ofertas de cruceros gratis o con descuentos.

“Muchas veces, los estafadores enviarán una gran cantidad de correos electrónicos, postales y otro tipo de correspondencia intentando lograr que usted los llame para reclamar su ‘crucero gratuito’”, afirmó Katherine Hutt, vocera del Consejo de Better Business Bureaus. “Tampoco se deje engañar por sitios web de apariencia seria. Recabe la mayor cantidad de información posible sobre la empresa y haga muchas preguntas antes de firmar en la línea de puntos”.

La BBB y CruiseCitic.com recomiendan las siguientes sugerencias a los consumidores que pretenden reservar una escapada en crucero:

No sea una víctima. En muchas ocasiones, los estafadores de vacaciones usarán tácticas de ventas agresivas y lo coaccionarán para que compre una oferta de tiempo limitado en el momento. Una empresa o un agente de viajes de renombre le proporcionarán la información que usted solicite y le darán tiempo para que decida antes de realizar reservas para sus vacaciones.

Siempre verifique la empresa primero. Si una oferta parece demasiado buena para ser real, seguramente lo es. Antes de brindarle cualquier tipo de información personal a la empresa, consulte la Revisión comercial de la BBB en www.bbb.org/search. Los consumidores también pueden contactarse con la Asociación Internacional de Líneas de Cruceros (Cruise Lines International Association, CLIA) para obtener información sobre cómo encontrar un agente de viajes de renombre.

Pague con tarjeta de crédito. Para protegerse mejor contra un vendedor de viajes deshonesto, siempre pague el pasaje del crucero —tanto el depósito inicial como el pago final— con una tarjeta de crédito importante, como Mastercard, Visa o American Express. Si surgen inconvenientes, podrá cuestionar los cargos con la compañía de su tarjeta de crédito. Nota importante: Es posible que esta protección no se aplique a aquellas personas que usan tarjetas bancarias o de débito; es importante que confirme las políticas con su banco emisor antes de realizar el pago con tarjeta.

Asegúrese de que su dinero esté en buenas manos. Una vez que haya efectuado un pago, revise el estado de cuenta bancario o el resumen de la tarjeta de crédito y asegúrese de que todos los cargos correspondientes se originen directamente en la línea de cruceros, no en la agencia de viajes. De esa forma, sabrá con certeza que la línea de cruceros recibió su dinero. Si debe pagar con cheque o giro postal, el pago deberá extenderse a nombre de la línea de cruceros y no a nombre de la agencia ni de una persona.

Obtenga la confirmación adecuada de su reserva. Insista en obtener los números de confirmación reales de la línea de cruceros, no solo un número de confirmación de su agencia. Entonces, no solo sabrá que su información y dinero están en buenas manos, sino también que podrá reservar previamente excursiones a tierra firme, reservas de restaurantes y citas de spa (si corresponde) en el sitio web de la línea de cruceros.

No tema hacer muchas preguntas. Antes de firmar en la línea de puntos, asegúrese de que todos los detalles estén claramente descritos y que se hayan explicado muy bien las tarifas. Corrobore si hay cargos encubiertos por cancelación, tasas portuarias o cargos por procesamiento de seguros que no hayan sido cubiertos.

Considere invertir en un seguro de viaje. El seguro de viaje puede brindarle protección en caso de accidente, enfermedad, pérdida de equipaje o viaje cancelado o interrumpido, entre otras cosas. Siga los mismos pasos detallados aquí cuando adquiera un seguro de viaje.
Para obtener más sugerencias confiables para el consumidor, visite www.bbb.org/us/bbb-news.

BBB anuncia las diez estafas principales de 2011

1/10/2012

Posted on 1/10/2012 by

La organización Better Business Bureau (BBB) investiga miles de estafas todos los años, desde los artilugios más recientes hasta los ardides más antiguos. Nuestra nueva sección Fuente de estafas (Scam Source) (www.bbb.org/scam) es un recurso integral de investigaciones sobre estafas que ofrecen las BBB de todo el país, con sugerencias de la BBB, autoridades policiales y otros organismos. Puede registrarse para recibir nuestras alertas de estafas por correo electrónico y además puede ser usted mismo un detective de estafas al informar las estafas que descubrió.

Clasificamos las estafas en nueve categorías importantes y elegimos la estafa principal de cada categoría, además de la que consideramos la “estafa del año”.

La estafa principal relacionada con el empleo

La BBB observa muchos ardides de compradores secretos, estafas que ofrecen trabajar desde el hogar y otras ofertas de empleo falsas; sin embargo, la peor estafa relacionada con el empleo puede truncar sus esperanzas y robar su identidad. Correos electrónicos, sitios web y solicitudes en línea que parecen ser muy serios, incluso el candidato es entrevistado para el empleo (por lo general, por teléfono) y luego recibe una oferta. No obstante, para comenzar a trabajar, el candidato tiene que completar un “informe crediticio” o brindar información bancaria para el depósito directo de sus “salarios”. Los formularios en línea no son más que una forma de recabar datos personales confidenciales, como números de Seguro Social, cuentas bancarias, etc., que pueden usarse fácilmente para el robo de identidad; y, por supuesto, no existe empleo alguno.

La estafa principal relacionada con sorteos y la lotería

Las estafas relacionadas con sorteos y la lotería se presentan en todas las formas y tamaños, pero, en definitiva, siempre consisten en lo siguiente: usted ha ganado muchísimo dinero y, para poder reclamarlo, tiene que enviarnos una pequeña cantidad de dinero. ¡Ah!, mantenga esto confidencial hasta que estemos listos para dar a conocer sus importantes ganancias. La estafa principal de este año relacionada con los sorteos fue, sin dudas, el correo electrónico que afirmaba provenir del fundador de Facebook, Mark Zuckerberg, donde se anunciaba que el destinatario era el ganador de $1 millón a través del popular sitio de redes sociales. Estos tipos de estafas suelen emplear nombres de celebridades o de otras personas conocidas para hacer que sus ofertas parezcan más reales. Si usted no está seguro, no haga clic en el enlace, en cambio, vaya directamente a la página principal de la compañía mencionada. Si realmente están regalando $1 millón, habrá algún tipo de anuncio en su sitio web. No obstante, no desperdicie mucho tiempo en la búsqueda.

La estafa principal a través de medios sociales y sitios de citas en línea

En Internet, resulta sencillo pretender ser otra persona. ¿Es en verdad amigo de todos sus “amigos” de Facebook? ¿Tiene mucha información personal en un sitio de citas? Con tanta información sobre nosotros en línea, un estafador puede hacerse pasar por alguien que lo conoce. Existen muchísimas formas de usar los medios sociales para estafas; sin embargo, hay una realmente que se destacó este año, ya que atrajo nuestra curiosidad natural… y aparentaba provenir de un amigo. Videos virales en los que se afirmaba que se mostraba todo, desde las espeluznantes imágenes de la muerte de Osama bin Laden hasta las más recientes travesuras de celebridades, aparecieron en sitios de medios sociales, a menudo, como si un amigo las hubiera compartido. Al hacer clic en el enlace, se le solicita que “actualice Flash Player”; sin embargo, el archivo que termina descargando contiene un gusano que accede a su cuenta de medios sociales, envía mensajes similares a sus amigos y busca sus datos personales. La próxima vez que vea un encabezado sensacionalista del último video viral, contenga las ganas de echar un vistazo.

La estafa principal relacionada con mejoras en el hogar

Siempre prácticamente a la cabeza de la lista de reclamos de la BBB se encuentran los contratistas de mejoras en el hogar que suelen dejar su casa en peores condiciones que las originales. Suelen llamar a su puerta con una historia o una oferta: el techador que puede detectar algunas tejas faltantes en su techo, el pavimentador con algo de asfalto sobrante que puede ofrecerle un buen arreglo económico para volver a sellar el camino de entrada. Los contratistas itinerantes van de aquí para allá, manteniéndose un paso por delante de la ley… y de los disgustados consumidores. Los peores son aquellos que llegan tras un desastre natural, aprovechándose de los desesperados propietarios que necesitan ayuda inmediata y que, posiblemente, no son tan desconfiados como lo serían en circunstancias normales. Un gran porcentaje de las empresas acreditadas por la BBB son contratistas que desean asegurarse de que usted sepa que son legítimos, fiables y dignos de confianza. Encuentre uno en www.bbb.org/search.

La estafa principal relacionada con el cobro de cheques

Dos compañías legítimas —la Lista de Craig y Western Union— se emplean para una desmesurada cantidad de estafas en estos días y, especialmente, para estafas relacionadas con el cobro de cheques. Aquí le indicamos cómo funciona. Una persona lo contacta a través de una publicación en la Lista de Craig, quizá por una razón legítima, como comprar su viejo sillón, o tal vez a través de una estafa, como contratarlo como comprador secreto. De un modo o de otro, le envía un cheque por más del monto adeudado y le solicita que lo deposite en su cuenta bancaria y que luego le envíe la diferencia a través de Western Union. El pago de un cheque depositado tarda un par de días en librarse, mientras que el dinero girado se transfiere de inmediato. Cuando el cheque original rebota, usted ya no tiene el dinero que giró… y aún conserva el viejo sillón.

la estafa principal relacionada con la suplantación de identidad

Suplantación de identidad o “phishing” es cuando usted recibe una llamada telefónica dudosa para obtener información personal o un correo electrónico que instala un virus en su computadora para buscar sus datos. Es prácticamente imposible evitar esto si tiene un teléfono o una cuenta de correo electrónico. Sin embargo, la estafa relacionada con la suplantación de identidad más perniciosa de este año se ocultó tras un comunicado oficial de la Asociación Nacional de Cámaras de Compensación Automatizadas (National Automated Clearing House Association, NACHA) que facilita la transferencia segura de miles de millones de transacciones electrónicas cada año. En el correo electrónico, se afirma que una de sus transacciones no se realizó correctamente, con la esperanza de que usted tome medidas rápidamente y haga clic en el enlace sin antes analizar el asunto detenidamente. Es posible que el enlace lo lleve a un falso sitio bancario para que “verifique” la información de su cuenta o que quizá permita la descarga de software malintencionado para que se infiltre en su computadora.

La estafa principal relacionada con el robo de identidad

Existe un millón de formas de robar la identidad de una persona. La que se indica a continuación se ha tornado tan frecuente que muchos hoteles colocan carteles de advertencia en la recepción. Aquí le indicamos cómo funciona. Usted recibe una llamada en la habitación del hotel en medio de la noche. La persona que llama pretende ser el empleado de la recepción, que se deshace en disculpas y le dice que se cayó el sistema informático y que necesita obtener nuevamente el número de su tarjeta de crédito, o bien que se registró mal el número, ya que la transacción no se autorizó y le solicita amablemente que le lea nuevamente el número a fin de poder solucionar el inconveniente. Los estafadores se confían en que usted está demasiado dormido como para detectar que la llamada no proviene del hotel, sino de una persona externa que conoce los números de marcación directa a las habitaciones de los huéspedes. Por la mañana, cuando está con la mente despejada, su tarjeta de crédito ya se usó en una importante compra desaforada.

La estafa principal financiera

En épocas de dificultad económica, muchas personas buscan ayuda para saldar sus deudas o para no perder sus hogares y casi todos los estafadores aparecen para aprovecharse de situaciones desesperantes. Debido a que este año el Gobierno federal anunció o amplió varios programas de desgravación hipotecaria, surgieron todo tipo de sitios web similares para intentar engañar a los consumidores para que desembolsen dinero. Algunos parecen ser organismos gubernamentales o, incluso, parecen formar parte de la BBB u otra organización de consumidores sin fines de lucro. La mayoría solicita un pago inicial para ayudarlo a negociar con su compañía hipotecaria o con el Gobierno (servicios que usted mismo podría hacer fácilmente de forma gratuita) y casi todos lo dejan más endeudado que al principio.

La estafa principal relacionada con las ventas

Las estafas relacionadas con las ventas son tan antiguas como la humanidad; sin embargo, Internet introdujo una forma totalmente nueva de estafar a las personas. Las subastas por centavos son muy populares, ya que parece que usted obtiene un producto útil, como cámaras, computadoras, etc., por mucho menos dinero que el precio de venta minorista. Sin embargo, usted paga una pequeña suma de dinero por cada oferta (por lo general, entre 50¢ y $1,00) y si no resulta ganador, pierde el dinero de la oferta. Los ganadores no suelen ser los mejores oferentes, simplemente el último oferente cuando finaliza el plazo. Si bien no todos los sitios de subastas por centavos son estafas, algunos están siendo investigados como juegos de azar en línea. La BBB recomienda considerarlos de la misma forma que consideraría el juego de azar legal en un casino: saber exactamente cómo funciona la presentación de ofertas, establecerse un límite y estar preparado para retirarse antes de sobrepasar ese límite.

La estafa del año

Sí, se trata de nosotros: la estafa de suplantación de identidad que dice ser la BBB. Cientos de miles, quizá millones, de personas recibieron correos electrónicos que son muy similares a un aviso oficial de la BBB. La línea del asunto dice algo como “Reclamo contra su empresa”, y las instrucciones le indican al destinatario que haga clic en un enlace o que abra un archivo adjunto para obtener los detalles. Si el destinatario sigue una de las dos indicaciones, se activa un virus malicioso en su computadora… un virus que puede robar información bancaria, contraseñas y otro tipo de información crítica necesaria para el robo cibernético. La BBB está trabajando con consultores de seguridad y autoridades policiales federales para localizar la fuente de estos correos electrónicos y ya ha cerrado muchos sitios web pirateados. Toda persona que haya abierto un archivo adjunto o haya hecho clic en un enlace debería analizar su sistema informático con un software antivirus de renombre. Si su computadora está en red con otras, todas las máquinas de la red deben analizarse también.

Para obtener más información sobre estas y otras estafas, visite Fuente de estafas (Scam Source) de la BBB (www.bbb.org/scam). Regístrese para recibir nuestras alertas de estafas y conocer más sobre las nuevas estafas en cuanto tomamos conocimiento de estas.

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 CruiseCritic.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 advierte a los propietarios de viviendas: los cambios en las reglas de las hipotecas atraen a los estafadores

12/23/2011

Posted on 12/23/2011 by

Arlington, VA (1 de diciembre de 2011). A partir del día de hoy, algunos propietarios de viviendas que tienen hipotecas consideradas como “bajo el agua” (la deuda es superior al valor de la propiedad) pueden volver a financiarlas bajo el Programa de Refinanciamiento de Hogares a Precios Accesibles (HARP, por sus siglas en inglés), pero el Better Business Bureau advierte a los consumidores que los bancos y las compañías hipotecarias no son los únicos que se están preparando para el torrente de solicitudes.

“Siempre que hay un programa gubernamental nuevo o actualizado puede haber un poco de confusión y los estafadores emergen de la oscuridad para aprovechar esa confusión”, dijo Katherine Hutt, vocera del Council of Better Business Bureaus. “Actualmente ya hay cientos de sitios en Internet que dicen poder ayudar a los propietarios de viviendas a través del proceso del HARP, pero muchos de ellos son para engaños y estafas”.

BBB advierte a todos los propietarios de viviendas que están pensando solicitar el refinanciamiento del HARP para que:

En primer lugar traten directamente con la entidad del préstamo y que nunca efectúen pagos a nadie que no sea la entidad que les hizo el préstamo.
No paguen honorarios por adelantado a nadie que prometa brindar orientación, hacerse cargo de los documentos ni de detener el proceso de ejecución hipotecaria.
No confíen en nadie que les diga que no se comuniquen con la entidad del préstamo, un abogado o un asesor de crédito, ni en quien solicite el pago por medio de cheque de caja o transferencia bancaria.
Nunca firmen su escritura a nadie ni permitan que los presionen para que firme algo que no entienden.
Sean particularmente cuidadosos con los sitios web que se parecen o suenan parecido.
Averigüen si califican ingresando en www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx o llamando a la Línea directa HOPE para propietarios de vivienda al 1-888-995-HOPE (4673) para hablar con un consejero de vivienda aprobado por el Departamento de Vivienda y Desarrollo Urbano (HUD) sin costo alguno (hay asistencia disponible en inglés y español; para otros idiomas es necesario hacer una cita).
Denuncien las estafas a la BBB en www.bbb.org/us/scam-source.

Los cambios al programa HARP fueron anunciados en octubre por el Presidente Obama para que los propietarios de viviendas pudieran volver a financiarlas con tasas de interés más bajas, incluso si actualmente el valor de la vivienda es inferior al valor adeudado en la hipoteca. Las nuevas reglas del HARP aplican para los propietarios de viviendas que estén al día con sus pagos y cuyos préstamos estén respaldados por FannieMae o FreddieMac. Algunas entidades de préstamo empezarán a aceptar solicitudes tan pronto como en la actualidad, aunque muchas tomarán algunas semanas o hasta unos cuantos meses para lanzar oficialmente el programa. Se espera que más de un millón de prestatarios envíen solicitudes para el programa, de acuerdo con la Agencia Federal de Financiamiento para Viviendas, que supervisa los dos programas más importantes de préstamos hipotecarios.

Investigue los negocios y beneficencias antes de comprar, donar o invertir a través de www.bbb.org. Para obtener consejos adicionales relacionados con créditos e hipotecas, ingrese en www.bbb.org/us/clearpoint-tips.

Si tiene problemas con su crédito, busque una agencia de consejería de crédito en su área llamando al 800-388-2227 (en español: 800-682-9832).

Acerca de BBB
Como líder en el mejoramiento de la confianza en el mercado, Better Business Bureau es una organización sin fines de lucro imparcial que establece y apoya altos estándares para mantener una conducta comercial justa y honesta. Más de 87 millones de consumidores confían en BBB cada año.

Mantenga a sus mascotas contentas y seguras cuando las deje en un hospedaje en esta temporada de festividades

12/23/2011

Posted on 12/23/2011 by
A pesar de que es posible que los propietarios de mascotas deseen llevar consigo a sus amigos peludos o con plumas a dondequiera que vayan, algunas veces no pueden hacerlo y es de suma importancia encontrar un hotel para mascotas o servicio de cuidado de mascotas en el cual confiar. Es por eso que Better Business Bureau ha creado una lista de verificación para ayudar a los propietarios de mascotas a elegir un hogar lejos del hogar que sea seguro y confiable para sus mascotas.

Cada año, la BBB recibe cientos de quejas de propietarios de mascotas sobre hoteles para mascotas. En el año 2011, a la fecha, la BBB ha recibido más de 400 quejas de disputas sobre cobros y sobre el tratamiento de la mascota, un aumento comparado con las 273 quejas presentadas en el año 2010. Los propietarios dicen que sus mascotas regresaron gravemente deshidratadas y mal nutridas de hoteles para mascotas inadecuados o llenas de pulgas, garrapatas y hasta gusanos. Los peores casos incluyen mascotas que se enfermaron gravemente mientras estaban alojadas en instalaciones deficientes y tuvieron que permanecer por largos períodos en el hospital para animales.
“Nuestras mascotas son como familia y durante la temporada de festividades lo último que queremos es estrés relacionado con su cuidado”, dijo Katherine Hutt, vocera de la BBB. “Tome unos momentos para investigar y encontrar un hotel para mascotas en que pueda confiar para que el tiempo que pase fuera de casa sea más tranquilo para usted y para su mascota”.

Si está buscando un hotel para mascotas confiable, BBB recomienda la siguiente lista de verificación:

Investíguelos y obtenga recomendaciones. Investigue siempre primero con la BBB el hotel para mascotas en www.bbb.org para asegurarse de que tengan buenos antecedentes con clientes satisfechos. También pregunte sobre recomendaciones a sus amigos, vecinos, veterinario o albergues locales de animales.

Visítelos. Visite personalmente las instalaciones que está considerando antes de programar el hospedaje. Verifique la limpieza y los olores ofensivos y observe la seguridad en general del hotel para mascotas y las jaulas.

Haga muchas preguntas. Si su mascota tiende a escaparse, pregunte sobre los pasos que ha tomado el hotel para mascotas para que sus instalaciones sean a prueba de escapatorias. Pregunte cómo puede tener contacto su mascota con otros animales. Algunos hoteles para mascotas dejan que los animales jueguen juntos mientras que otros los mantienen separados en todo momento. Pregunte sobre los horarios de alimentación, acceso a agua y la frecuencia (o cargos relacionados) del ejercicio. Pregunte sobre el horario para dejar y recoger a la mascota y asegúrese de entender su política de cobro. Finalmente, pregunte qué pasa en casos de emergencias médicas o de otra situación inesperada.

Haga caso a sus instintos. Observe la amabilidad de los miembros del personal y cómo interactúan con las mascotas alojadas. Pregunte sobre sus antecedentes y experiencia. Si el estado donde vive requiere inspecciones, busque en la pared el certificado y asegúrese de que el hotel para mascotas esté autorizado correctamente. Asegúrese de que la instalación requiere que todas las mascotas que ingresen tengan prueba de inmunizaciones y pregunte sobre sus políticas relacionadas con el control de pulgas y garrapatas.

Para obtener más información sobre cómo encontrar negocios acreditados durante la temporada de festividades, visítenos en línea en www.bbb.org/us/consumer-tips-holiday.

Consejos de BBB para los comercios ante las devoluciones de regalos de las festividades

12/23/2011

Posted on 12/23/2011 by

Aunque a la mayoría de los comercios les encanta la temporada de festividades y el aumento de las ventas del último trimestre de cada año, nadie espera con ilusión las devoluciones de regalos después de las festividades. BBB recomienda a los comercios que se aseguren de tener políticas de devolución sencillas y sólidas antes de enfrentarse a las devoluciones de regalos durante esta temporada de festividades.

La mayoría de consumidores están satisfechos con las políticas de devolución. De acuerdo con la Encuesta de devoluciones de las festividades en 2010 de la Federación Nacional de Comercios Minoristas, casi nueve de cada diez americanos (88.4 por ciento) dijeron que las políticas de devolución de las tiendas eran justas.

Es importante que los comercios minoristas piensen en sus clientes cuando se trata de su política de devoluciones. “Aunque es importante que su política de devoluciones no dañe a su negocio, es crucial que no desaliente completamente ni penalice al cliente”, dijo Katherine Hutt, vocera de BBB.

BBB recomienda que los comercios consideren lo siguiente al establecer, fortalecer o simplificar su política de devoluciones:

Asegúrese de que el cliente esté consciente de su política. Despliegue sus políticas en la caja y en su sitio en Internet.

Proporcione recibos de regalos. Seis de cada diez compradores dicen que incluyen un recibo de regalo cuando dan un regalo, así que asegúrese de ofrecer uno al momento de la compra.

Anime a los clientes a que devuelvan la mercadería sin usar, sin ponérsela o sin desempacar. A todos les gusta recibir mercadería en su empaque original y al animar a los clientes a que devuelvan así la mercadería, usted tiene más posibilidades de volver a vender ese producto.

Facilite las devoluciones en línea. Establezca claramente las reglas para las devoluciones. Explique quién paga el envío de la devolución, a dónde debe enviar la devolución el cliente e incluya todo formulario o etiqueta de envío por correo que desea que use el cliente.

Mantenga la calma y sea servicial. La temporada de festividades puede ser una época llena de estrés para todos y devolver mercadería usualmente no es una de las actividades más agradables en la lista de actividades del cliente. Cuando se trata de un cliente, siempre atienda la devolución con una sonrisa. Si la experiencia es buena, es posible que gane a un cliente nuevo.

Para obtener más consejos útiles, visite www.bbb.org.

BBB’s Naughty and Nice List

12/23/2011

Posted on 12/23/2011 by

While Santa gets ready to hitch up the reindeer for his big flight, consumers are making their final holiday purchases. Better Business Bureau predicts they are going to be less “Grinchy” about their gifts than they have been in years past. BBB checked Santa’s list and here’s what they found:

On the nice list this year, BBB predicts that consumers will be twice as happy with their online purchases as they have been in years past, while in-store purchases will cause more of a holiday headache. Retailers, especially department stores, should gear up for more returns and complaints this year.

Tiny tots with their eyes all aglow will be happier with their shiny, new toys than they were last year, while those receiving shiny, new bling may find more to complain about. Electronics and gadgets may make the naughty list this year, too…and not just because Santa forgot extra batteries.

BBB also predicts that restaurants and airlines will be on the naughty list, but it’s not too late to change Santa’s mind!

As consumers finish-up their holiday shopping, BBB is reminding shoppers to not only check their list twice, but also check BBB’s Business Reviews at www.bbb.org/search before making any purchases.

For more holiday tips, visit www.bbb.org/us/consumer-tips-holiday. Happy Holidays, everyone!

Sugerencias de BBB para evitar los inconvenientes de los viajes durante las festividades

12/23/2011

Posted on 12/23/2011 by
Las festividades son una temporada de alegría, pero también puede convertirse en una lucha con el tráfico y mal clima en el camino. Mantenerse seguro debería ser una prioridad para todos los viajeros, así que Better Business Bureau recomienda que en estas festividades tomen algunas precauciones al salir.

“Antes de salir a carreteras, proporcione la atención que necesita a su vehículo”, dice Katherine Hutt, vocera del Consejo de Better Business Bureaus. “Asegúrese de ir bien equipado y sepa a dónde acudir en caso de que ocurra lo inesperado”.

BBB recomienda los siguientes pasos para manejar de forma segura en esta temporada de festividades:

Prepare un kit de seguridad del vehículo. Manejar durante las festividades incluye con frecuencia la amenaza de peligrosos climas invernales. La nieve y el hielo causan accidentes, problemas en el vehículo, grandes retrasos y cierres de carreteras. Puede prepararse para el mal clima haciendo su propio kit de seguridad. Los artículos básicos para el kit incluyen mantas, linterna con baterías adicionales, radio, kit de primeros auxilios, cables de arranque de batería, alimentos no perecederos tales como barras de granola y nueces, botellas de agua, un raspador de hielo y guantes calientes.

Lleve su automóvil para que le hagan una revisión. Un vehículo que se descompone en la carretera sin duda puede estropear el espíritu festivo. Si ya le toca una inspección a su vehículo, hágasela antes de emprender el viaje. Como mínimo, revise los niveles de líquidos del automóvil, parabrisas y la presión de los neumáticos. Revise la condición de los neumáticos y considere conseguir neumáticos para la nieve si tiene planificado manejar en clima serio de invierno.

Lleve con usted a BBB. Cuando está lejos de su hogar o en medio de una emergencia, es difícil saber en qué comercios confiar (tales como remolques y cerrajeros). La buena noticia es que ahora puede aprovechar el sitio web móvil de BBB o la Aplicación de BBB para iPhone para encontrar comercios en los que puede confiar cuando está lejos de su computadora.

Empiece temprano y disminuya la velocidad. La mejor forma de luchar contra el tráfico de las festividades es darse un poco de tiempo adicional para hacer el viaje y no manejar rápido. Manejar rápido ocasiona accidentes, lo que hace que el tráfico aminore la marcha y haya embotellamientos. Además, si los agentes del orden lo descubren viajando con exceso de velocidad, eso agrega más tiempo al viaje y afecta sus gastos durante las festividades.

Reduzca las distracciones. De acuerdo con el Instituto de Seguros para la Seguridad en Carreteras, los pilotos que usan dispositivos de mano tienen cuatro veces más posibilidad de involucrarse en accidentes lo suficientemente serios como para lesionarse a ellos mismos. No envíe mensajes de texto al conducir; cuando hable por teléfono use un auricular que deje sus manos libres y pida que alguien más se encargue del GPS.

Para obtener más información sobre cómo permanecer seguros durante la temporada de festividades, visítenos en línea en www.bbb.org/us/consumer-tips-holiday.

Este invierno manténgase caliente y confortable con un plan de energía eficiente

12/21/2011

Posted on 12/21/2011 by

Con una economía difícil que amenaza la temporada de festividades de este año como si fuera el Grinch, muchas personas están buscando formas de ahorrar dinero a través de eficiencia en la energía. Better Business Bureau ofrece una lista de verificación para los propietarios de viviendas para que preparen sus hogares de forma segura para los fríos meses de invierno y quizás hasta ahorrar un poco en el proceso.

De acuerdo con la Administración de Información de Energía, se espera que los costos de calefacción residencial suban 10.2 por ciento para los propietarios de viviendas que dependen de petróleo para calentar. Afortunadamente, los propietarios de viviendas pueden eludir algunos de los crecientes costos de energía preparando su hogar para el invierno antes de que empiecen las condiciones climáticas más severas.

“Con la imprevisibilidad de la madre naturaleza, ahora es el momento de prepararse para los próximos meses de invierno”, dice Katherine Hutt, vocera de BBB. “Cuando se toma el tiempo para preparar su hogar para el invierno tiene la tranquilidad de que no solo ahorrará dinero sino que la energía tendrá el mejor rendimiento”.

A continuación encontrará una lista de verificación de la BBB para preparar el hogar para el invierno para que los consumidores puedan consultar cuando se están preparando para los meses fríos que se avecinan:

Caldera. Podría ser necesario cambiar las calderas que tienen más de 15 años. En cuanto a las calderas más nuevas, la BBB recomienda asegurarse de que el filtro esté limpio, el termostato funcione adecuadamente y que esté encendida la llama del piloto. Los propietarios de viviendas también pueden contratar a un inspector para que haga el trabajo y se cerciore de que la caldera funcione de forma segura.

Chimenea. Antes de encender la chimenea, los propietarios de viviendas deben solicitar una inspección de la chimenea debido a que es posible que han caído animales, basura y hojas en el interior. BBB también recomienda instalar un panel protector en la abertura de la chimenea.

Canaletas y rejillas de ventilación. Es necesario limpiar las canaletas para evitar cualquier obstrucción que pueda causar que se atasque el agua de lluvia y se congele, lo que hace que las canaletas se expandan y agrieten. Las rejillas de ventilación también se deben limpiar para que la casa pueda “respirar” correctamente. De lo contrario, el aire se estancará y se creará un ambiente poco saludable.

Detectores de humo y detectores de monóxido de carbono. BBB recomienda probar los detectores de humo y los detectores de monóxido de carbono e instalar baterías nuevas. Los propietarios de viviendas deben considerar el reemplazo de los detectores de humo que tengan más de 10 años.

Enmasillado y sellado de puertas y ventanas. Para evitar fugas, los propietarios de viviendas deben inspeccionar el enmasillado alrededor de las ventanas para ver si tiene grietas o está descascarado. Además, BBB recomienda asegurarse de que las puertas y ventanas cierren bien y que no esté entrando aire frío por un sellado gastado.

Equipo de temporada. Los propietarios de viviendas no necesitarán su equipo de primavera y verano durante algunos meses, por lo que BBB recomienda vaciar el agua de las mangueras para el jardín y las tuberías del aire acondicionado y la gasolina del cortador de grama y otras herramientas del jardín. También es el momento de sacar las palas para nieve y quitanieves así como cerciorarse de que estén en buenas condiciones.

Kit de emergencia. Cuando hay una tormenta de invierno, el kit de emergencia deberá tener todos los materiales esenciales en un lugar accesible. Un kit de emergencia deberá incluir linternas, candelas y fósforos, un kit de primeros auxilios, botellas de agua, alimentos no perecederos y un radio con baterías. BBB recomienda preparar también el mismo kit de emergencia para el automóvil, incluyendo un par de mantas.

Para obtener más sugerencias para el consumidor en esta temporada de festividades, visite www.bbb.org.

A Dictator Dies, Let’s Spam People

12/20/2011

Posted on 12/20/2011 by

As with the deaths of Saddam Hussein, Osama bin Laden and Muammar Gadhafi, the death of North Korea’s Kim Jong-Il had inspired spammers to take advantage of people’s natural curiosity, Fox News reports. The news network even suggests the North Korea government might be trying to profit from the demise of the “Dear Leader.”

Unlike the other evildoers who’ve died in recent years, Kim’s passing was apparently peaceful, so grisly death videos aren’t bouncing around the Internet. But there are still plenty of scams to be wary of, especially links that are appearing on Facebook or showing up in Google search results. Even Twitter links can take you to pages that can infect your computer.

BBB’s advice:

Don’t let your curiosity get the better of you. If you want the latest, go to the homepage of a reputable news organization and read about Kim’s death there.
Don’t open any email attachments or click on any links.
Keep your anti-virus software up-to-date, and run a complete system scan if you have opened anything suspicious.

Fox suggests, “If you're just interested in laughs, the Tumblr blog ‘Kim Jong-Il Looking at Things’ should do nicely.”

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

12/16/2011

Posted on 12/16/2011 by

Update -- 1/19/2012: A new wave of fake BBB emails is using a different strategy to scam recipients into downloading a virus. In this new wave, emails have a subject line reading "BBB SBQ Form," followed by a series of numbers. Recipients are asked to click on a link to update their information with Better Business Bureau. The link supposedly leads to a form on BBB.org, but it really goes to a third party website that downloads a virus on to your computer.

Arlington, Virginia – 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.

I Saw Mommy Emailing Santa Claus

12/14/2011

Posted on 12/14/2011 by

Ol' St. Nick has gone digital and is now accepting letters and wish lists from children through websites and emails. Better Business Bureau serving Alaska, Oregon, South Carolina, and Western Washington reminds parents that while keeping the holiday magic alive is important, keeping children and their information safe is imperative.

With more than 60 domain names registered in the name of Santa Claus and more than 14,000 Google results for "Santa's email address," parents should be diligent in safeguarding their children's personal information. According to the Children's Advertising Review Unit (CARU), websites directed towards children must have easily accessible privacy policies that clearly outline how and where information will be used and if that information will be shared with third parties. Policies should also include full company names and complete contact information.

BBB gifts the following information to help identify legitimate Santa sites:

Ho-ho-hold onto personal information. Only provide information that is necessary for a response. Email or physical addresses may be required. Be wary when websites ask for additional information that seems unimportant to the letter submitting process.

Check their list - twice. Read privacy policies carefully to see how information will be used. Explain to children the dangers of giving out personal information online.

Don't accept "The North Pole." Choose sites that give specific contact information; skip those that give general contact details like "Santa Claus" at "The North Pole." Full business names, phone numbers and physical addresses should be easy to locate.

More information about children's online safety can be found in the Children's Online Privacy Protection Act and at the Children's Advertising Review Unit. Visit upstatesc.bbb.org for other holiday tips.

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.

ALERT Correo Electronico Fraude Se Hace Pasar Como Representante del BBB

12/12/2011

Posted on 12/12/2011 by
La oficina del Better Business Bureaus (BBB) pone en alerta a los consumidores y empresas respecto a un correo electrónico que se hacen pasar como representantes del BBB, con la línea de asunto “Complaint from your customers” (o queja de los clientes). Este correo es un fraude; no haga caso de su contenido y elimínelo inmediatamente. Si usted ya abrió el enlace del correo, haga función completa del antivirus de su computadora.

Los correos tienen remitentes que nuestras oficinas no usan (por ejemplo: riskmanager@bbb.org) y éste firma con la dirección del Council of Better Business Bureaus, la oficina nacional del sistema del BBB. El correo contiene un enlace a un sitio Web que NO nos pertenece.

BBB está trabajando con las autoridades para determinar su fuente y para detener esta campaña fraudulenta.

Le enviamos un ejemplo como aparece su correo (haga un click para a agrandar)

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/

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.

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/1/2011

Posted on 12/1/2011 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.

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).

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.

During the Season of Giving Cons are on the Take

11/30/2011

Posted on 11/30/2011 by
As scammers seek to exploit holiday generosity, Better Business Bureau urges consumers to protect well-intentioned donations.

According to the Nonprofit Research Collaborative's November 2010 Fundraising Survey, the majority of all charitable contributions are made in the last quarter of the year—October to December. Not surprisingly, scammers ramp up efforts during this time in hopes of snagging funds for themselves.

"Charities rely on giving season donations for the following year," stated Sherry Guderjohn, Charity Review Manager for BBB serving Alaska, Oregon and Western Washington. "When fraudulent charities or dishonest solicitors intercept donation dollars, it leaves legitimate organizations and those they serve in a difficult position."

BBB Foundation's Charity Review Program, which has comprehensive local Charity Reviews, has compiled top tips to protect consumers and their donations:

Verify Validity: Don't let emotional appeals and high pressure tactics dictate donations. Visit akorww.bbb.org/charity to research local BBB Charity Reviews. Utilize online search engines and databases like GuideStar.org and CharityNavigator.org. Ensure local charities are properly registered with the Washington Secretary of State Charity Program.

Spotlight Spending: According to BBB's 20 Standards of Charity Accountability, publicly soliciting charities should spend at least 65 percent of total expenses on program activities. Be leery when solicitors declare that all proceeds go to the cause, but fail to substantiate claims. Seek out the Internal Revenue Service Form 990 from publicly soliciting charities; this form should be made available with appeals.

Protect Payments: Avoid giving cash and make checks payable to charities, not individual solicitors. Always request receipts or confirmation codes for donations.

Find more wise giving tips and BBB Charity Reviews at akorww.bbb.org/charity or give.org.

ALERT Malicious Complaint Email Claiming It’s From BBB

11/23/2011

Posted on 11/23/2011 by
Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email that looks like it is from BBB, with the subject line “Complaint from your customers.” This e-mail is fraudulent; ignore its contents and delete it immediately. If you have already clicked on a link in the e-mail, run a full virus scan of your computer.

The e-mails have return addresses that BBB does not use (one example is riskmanager@bbb.org) and it is signed with the address of the Council of Better Business Bureaus, the national office of the BBB system. The e-mail contains a link to a non-BBB web site. Do NOT click on the link.

BBB is working with law enforcement to determine its source and stop the fraudulent campaign.

This is what the email looks like (click to enlarge):

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.

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

11/21/2011

Posted on 11/21/2011 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/.

Disturbing BBB Reports on Health Products Company

11/16/2011

Posted on 11/16/2011 by

Wanda Jeffrey says the promise of guaranteed weekly pay of $775 plus bonuses for recruiting other people for the company never happened. Houston BBB's, Monica Russo, advises Isiah Carey of FOX26.

FULL TEXT CLICK HERE

Cómo realiza su donación es tan importante como lo que dona: esta temporada de festividades done con prudencia

11/10/2011

Posted on 11/10/2011 by

Hay muchas formas distintas como los donantes pueden aportar a una causa valiosa gracias a la tecnología y a la creatividad de las organizaciones de beneficencia. Ya sea que done dinero, alimentos enlatados, artículos usados o su tiempo, BBB Wise Giving Alliance recuerda a los donantes que cómo realiza la donación es tan importante como lo que aporta.

De acuerdo con Giving USA Foundation, el cálculo total de las aportaciones caritativas en los Estados Unidos aumentó 3.8 por ciento en el año 2010 (2.1 por ciento ajustado por la inflación). Este aumento refleja la continua determinación de cada americano de ayudar a las organizaciones de beneficencia incluso durante momentos difíciles económicamente.

“Ahora que tenemos un presupuesto apretado durante esta temporada de festividades, para los donantes será importante ser creativos al retribuir y apoyar a aquellos menos afortunados”, dijo H. Art Taylor, Presidente y Director Ejecutivo de BBB Wise Giving Alliance. “Es importante tomarse el tiempo de investigar cuando deseamos hacer una donación. Cómo realiza su donación es tan importante como lo que done”.

BBB Wise Giving Alliance ofrece las siguientes maneras comunes como las personas donan a las organizaciones de beneficencia durante las festividades, además de algunos aspectos a tomar en consideración:

Done artículos. Muchas organizaciones buscan recibir donaciones durante las festividades, entre las que se incluyen abrigos, juguetes y alimentos enlatados. Sin importar lo que esté donando, asegúrese de que los artículos estén en buenas condiciones y que la organización de beneficencia acepta ese tipo de artículos para ayudar a su causa.

Aproveche a dar cuando está de compras. Muchas organizaciones de beneficencia han tenido mucho éxito al asociarse con empresas que están de acuerdo en donar a una causa valiosa una cantidad del precio de compra en las ventas de artículos. Este tipo de marketing relacionado con una causa significa que usted puede ayudar mientras está de compras. Revise si la promoción identifica la cantidad real o anticipada del precio de compra que recibirá la organización de beneficencia. Algunos negocios, tales como tiendas de comestibles, le preguntan si desea donar a una organización de beneficencia y agregan esa cantidad a su recibo (esto también se conoce como donación incorporada). Vea si la promoción incorporada indica qué organización de beneficencia recibirá los fondos que se reúnan.

Done en línea. Una de las formas más eficientes de apoyar a una organización de beneficencia es por medio de una donación en línea con una tarjeta de crédito o débito. Antes de introducir los números, revise detalladamente el sitio web, busque la política de privacidad de la organización y verifique que la organización tenga medidas de seguridad adecuadas establecidas para proteger este tipo de transacciones.

Done a través de mensajes de texto. La opción de donar por medio de mensajes de texto empezó a tener éxito como resultado del desastroso terremoto en Haití. Después de enviar un mensaje de texto a un número, la donación se agrega a su cuenta del teléfono celular. Aunque donar por medio de un mensaje de texto es rápido y fácil para el donante, el dinero real puede tomar 60-90 días en llegar a la organización de beneficencia ya que los fondos se envían después de que usted pague el cargo de la donación que aparece en su siguiente factura mensual del teléfono celular. Sin embargo, durante los períodos de donación por catástrofes tal como el caso de Haití, las empresas de celulares se esfuerzan por enviar más rápido los fondos. Sin ninguna duda, las organizaciones de beneficencia aceptan con gratitud las donaciones en cualquier época del año.

Done su tiempo. Es posible que no tenga dinero debido a la difícil situación económica actual, pero siempre puede dar un poco de su tiempo para apoyar a una causa valiosa. Además de ofrecer sus servicios durante las festividades, también puede apoyar siendo un partidario elocuente de una organización caritativa y ayudar a concientizar a amigos y familiares, al igual que en su página de Facebook o blog.

BBB Wise Giving Alliance informa sobre más de 1,200 organizaciones nacionales de beneficencia en www.bbb.org/charity y determina si cumplen con 20 normas de responsabilidad relacionadas con el control, finanzas y prácticas de recaudación de fondos.

Para revisar las evaluaciones de las organizaciones de beneficencia y obtener más recomendaciones sobre cómo aportar cuando la situación económica está apretada, visite www.bbb.org/charity.

Revise la política de privacidad en los sitios web de “Querido Santa”

11/10/2011

Posted on 11/10/2011 by

Hay más de 60 nombres de dominios registrados a nombre de Santa Claus que ofrecen a los niños una amplia gama de oportunidades de enviar correos electrónicos a San Nicolás. Lamentablemente, algunos de los sitios web no son siempre confiables y pueden ser una forma peligrosa de compartir información personal. Better Business Bureau recomienda a los padres de familia que investiguen antes de dejar que su hijo escriba a Santa en esta temporada navideña.

Escribir a Santa ha sido una tradición duradera y, aunque puede parecer divertido e inocente, es muy importante que los adultos investiguen el sitio cuidadosamente para determinar quién busca la información, cómo se va a usar y si van a compartirla con terceros.

Todos los sitios web dirigidos a niños, de acuerdo con la Unidad de Revisión de Publicidad para Niños (CARU, por sus siglas en inglés), o los sitios web diseñados con una sección especial para niños, deben tener una política de privacidad donde explica las prácticas de recopilación de información del sitio. La política de privacidad debe incluir el nombre y toda la información de contacto de la compañía.

También debe indicar si la compañía comparte información con terceros, incluyendo anunciantes, y si la compañía divulga públicamente la información o si la conserva para algún fin en el futuro.

CARU ofrece las siguientes sugerencias para investigar sitios de ‘Querido Santa’:

Revise para ver qué es lo que quieren que les entregue. Los sitios web dirigidos a niños no deben pedir al niño que divulgue más información que la que sea razonablemente necesaria para participar en la actividad (por ejemplo, primer nombre y dirección de correo electrónico).

Limite la información personal que los niños comparten con Santa y no proporcione ninguna dirección. En muchos casos no debería ser necesario compartir esta información. Especialmente porque Santa ya sabe en dónde viven todos los niños.

Revise que no haya contenido no deseado en los sitios web. Algunos sitios están orientados para adultos y pueden contener lenguaje o publicidad que los adultos no desean que miren los niños.

Revise los vínculos. Debido a que los hipervínculos permiten a los niños ir de un sitio a otro sin problemas, investigue los hipervínculos para cerciorarse de que los niños no tengan acceso a contenido inadecuado.

Para obtener más información sobre la seguridad de sitios web y los niños, visite www.CARU.org y para más información confiable, visite www.bbb.org.

Esta temporada de festividades no se deje estafar con una limpieza de chimeneas

11/10/2011

Posted on 11/10/2011 by

Ahora que se acerca rápidamente el clima frío, muchos consumidores añoran un confortable fuego en la chimenea y desean prepararse limpiándolas. Sin embargo, Better Business Bureau advierte a los consumidores que investiguen para saber en qué empresas pueden confiar y cuáles evitar para que su dinero ganado con esfuerzo no se convierta en humo.

BBB ha recibido más de 380 quejas contra deshollinadores, un aumento de las 342 quejas que se recibieron en todo el año 2010.

“La limpieza de chimeneas no es algo que los propietarios de residencias hacen frecuentemente, por lo que es posible que no conozcamos el proceso de la limpieza”, dijo Katherine Hutt, vocera del Council of Better Business. “Muchos estafadores se aprovechan de esto y realizan un trabajo de muy mala calidad… o ni siquiera hacen el trabajo”.

Hay algunos casos de consumidores que han denunciado llamadas donde les dicen que el departamento de bomberos de la ciudad recomienda limpiar la chimenea del residente. En las llamadas después se recomienda a un deshollinador en particular y aprueba los servicios en nombre del departamento de bomberos. Aunque los departamentos de bomberos recomiendan limpiar las chimeneas anualmente, no recomiendan a ninguna compañía en particular ni inspeccionan chimeneas. Muchos estafadores se enfocan en los ancianos y los llaman por teléfono con aseveraciones confusas diciendo que han trabajado con ellos anteriormente y que ya es el momento de realizar la limpieza anual.

Los estafadores también promocionan sus servicios con precios mucho más bajos que las empresas legítimas. Una limpieza profesional de chimenea usualmente cuesta entre $150 y $200 para limpiar un hueco de chimenea mientras que los estafadores cobran tan bajo como $50. BBB recomienda que si un precio es demasiado bueno para ser cierto, usualmente lo es.

Muchos estafadores usan una táctica de precio bajo para conseguir el trabajo; cuando ya lo tienen recomiendan que es necesario hacer inmediatamente trabajo adicional e intimidan al consumidor para aceptar un cobro mucho más alto. Si el precio que le están cotizando es mucho más bajo que en otras empresas, debería considerarlo como una señal de alerta.

BBB sugiere a los consumidores que investiguen antes de contratar a un deshollinador y dejar que entren en el hogar. Adicionalmente, averigüe en su departamento de bomberos local y en el Chimney Safety Institute of America (csia.org).
BBB recomienda usar estas útiles sugerencias cuando contrate a un deshollinador:

Investigue a una empresa de limpieza de chimeneas en bbb.org. Consulte siempre al BBB para buscar una empresa de limpieza de chimeneas confiable en su área. ¿Es una empresa acreditada? ¿Tienen quejas pendientes?

Obtenga información sobre el tiempo que llevan en el negocio. ¿Cuánto tiempo han operado en su área? Averigüe si tienen referencias actuales o si alguien a quien usted conozca ha usado sus servicios.

Pregunte si tienen una póliza de seguro de responsabilidad comercial válida. En caso de un accidente, esta póliza proporciona seguridad a su hogar y sus pertenencias.

Investigue si alguno de los empleados está certificado a través del CSIA. Aunque esto no se requiere por ley, lo recomienda el departamento de bomberos y dice mucho sobre la capacidad de las personas o empresa que contrata. Para obtener más sugerencias confiables, visite bbb.org.

BBB recomienda a los consumidores apoyar el Small Business Saturday

11/10/2011

Posted on 11/10/2011 by
Arlington, VA. -- En honor del Small Business Saturday (sábado del pequeño comercio), un día dedicado a apoyar a los pequeños comercios en el fin de semana con más movimiento de compras del año, el Better Business Bureau está difundiendo la concientización y recomendando a los consumidores que apoyen a los pequeños negocios en su área.

Como miembro afiliado, BBB se une a American Express OPEN para difundir el motivo por el que los pequeños negocios son excelentes. Por segundo año consecutivo, American Express OPEN declaró que el 26 de noviembre (sábado después del Día de acción de gracias) será Small Business Saturday. Small Business Saturday, en medio del Viernes negro y el Lunes cibernético, es una manera excelente de apoyar a los pequeños negocios que tanto le gustan.

“Es fabuloso tener un día dedicado completamente al éxito de nuestros pequeños negocios y es todavía mejor pensar que el éxito de este día puede llevar al crecimiento y prosperidad de los pequeños negocios en los días y años venideros”, dijo Stephen A. Cox, Presidente y Director Ejecutivo del Council of Better Business Bureaus. “Deseamos animar a nuestros consumidores para que aprovechen este día y demuestren el apoyo a los pequeños negocios en su comunidad”.

Como preparación para el Small Business Saturday, FedEx regalará 40,000 tarjetas de regalo de American Express de $25 a consumidores afortunados, las que se podrán usar para comprar en los pequeños negocios el día sábado 26 de noviembre. 30,000 tarjetas serán para las personas que se inscriban en la página de FedEx en Facebook, www.facebook.som/FedEx, a partir de medio día del horario de verano del Centro (CDT) del 1 de noviembre. FedEx otorgará otras 10,000 tarjetas a clientes.

American Express también está dando un crédito de $25 en estados de cuenta a los miembros de American Express que gasten $25 o más en Small Business Saturday en una tienda física que califica, de comerciante independiente, que acepta American Express. Debe inscribirse para recibir el crédito. La inscripción está disponible desde principios de noviembre en www.facebook.com/smallbusinesssaturday. Para los pequeños negocios, se otorgará $100 en anuncios gratis en Facebook a los primeros 10,000 negocios que se inscriban en www.facebook.com/smallbusinesssaturday.
Para obtener más información sobre Small Business Saturday, visite http://smallbusinesssaturday.com y para obtener más información confiable para el consumidor visite www.bbb.org.

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Reporteros: Para obtener más información o programar una entrevista con un representante de BBB, comuníquese con Kelsey Owen al 703-247-9376.

Acerca de BBB
Como líder en el mejoramiento de la confianza en el mercado, Better Business Bureau es una organización no lucrativa imparcial que establece y apoya los altos estándares para mantener una conducta comercial justa y honesta. Cada año, más de 87 millones de consumidores confían en BBB Business Reviews® y BBB Wise Giving Reports® para ayudarles a encontrar empresas y organizaciones de beneficencia confiables en todo Norteamérica. Visite www.bbb.org/us para obtener más información.

BBB Issues Warning About Veterans’ Day Scams

11/9/2011

Posted on 11/9/2011 by

Arlington, VA – Some of the most cynical scams target service members, their families and veterans, warns the Better Business Bureau. Veterans’ Day is a key opportunity for scammers who would target those who are serving or have served their nation, especially elderly vets.

“It is unconscionable that one of the most dedicated and selfless segments of our population would be targeted by unscrupulous businesses, but they are,” said Brenda Linnington, director of BBB Military Line. “At BBB, we believe our military consumers deserve the level of respect and support commensurate with the effort they make every day on behalf of the rest of us – and we’ll do our utmost on their behalf by promoting a safe and ethical marketplace for all military consumers.” BBB Military Line provides free financial literacy and consumer protection services to the military community, as well as information on the latest scams, schemes, and ID theft tactics that threaten them.

Among the scams to watch out for:

Posing as the Veterans Administration and contacting vets to say they need to update their credit card, bank or other financial records with the VA;
Charging veterans for services they could get for free or less expensively elsewhere, such as military records;
Fraudulent investment schemes that convince veterans to transfer their assets into an irrevocable trust;
Offering “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees;
Advertising housing online with military discounts and incentives, and then bilking service personnel out of the security deposit;
Trying to sell things like security systems to spouses of deployed military personnel by saying the service member ordered it to protect his or her family;
Selling stolen vehicles at low prices by claiming to be soldiers who need to sell fast because they’ve been deployed;
Posing as government contractors recruiting veterans and then asking for a copy of the job applicants’ passport (which contains a lot of personal information);
Posing on online dating services as a lonely service member in a remote part of Iraq or Afghanistan, and then asking for money to be wired to a third party for some emergency.

Another caution is to watch out for questionable charity appeals that raise funds on behalf of military organizations. “Telephone solicitors will call and say they are with a group that is helping veterans, service members or their families,” says Art Taylor, president and CEO of the BBB Wise Giving Alliance. “As with all charity appeals, before you donate, check out the organization with the BBB to verify that the charity meets BBB charity standards.”

BBB advises service members, veterans and all consumers never to give personal identification information (Social Security, bank account, military identification or credit card numbers, etc.) to anyone who contacts you by phone or e-mail, and to be wary of any solicitations that involve purchasing something or transferring money. Consumers can check out businesses and charities for free at www.bbb.org. Military personnel and veterans who need assistance should contact the United Service Organizations (www.uso.org), their state office of veterans’ affairs, or the Veterans’ Administration.

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.

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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.

Compra al crédito: Asesoría de BBB sobre el proceso de compra al crédito

11/7/2011

Posted on 11/7/2011 by

La economía actual ha dejado a muchos compradores viviendo de acuerdo con un presupuesto y buscando métodos más accesibles de pago para artículos costosos y regalos para las festividades. En esta temporada de festividades, muchas familias irán en busca de alternativas de pago para cubrir sus gastos. Con tantas tiendas que ofrecen servicios de compra a crédito, Better Business Bureau ofrece asesoría sobre cómo utilizar este plan de pago en lugar de las tarjetas de crédito.

Una vez considerado como un método de pago antiguo y obsoleto, los servicios de compra a crédito regresaron otra vez con muchos negocios que ahora están desempolvando sus programas de compra a crédito para los consumidores que atraviesan por apremios en la actualidad. Comprar artículos a crédito es diferente a cargarlos a una tarjeta de crédito porque al comprador no se le cobran intereses por la compra y no se puede llevar el artículo a su casa hasta que está pagado. Al comprar artículos a crédito, generalmente el comprador debe pagar un enganche del 10 o 20 por ciento y luego pagar cualquier cuota del plan o servicio para que la tienda guarde el artículo. Con frecuencia el cliente tiene entre 30 y 90 días para hacer pagos periódicos y cancelar el saldo. Una vez cancelado, el cliente podrá llevarse los artículos a su casa.

“Los servicios de compra a crédito pueden ser una gran alternativa para el uso de una tarjeta de crédito”, dijo Stephen A. Cox, Presidente y Director ejecutivo de Council of Better Business Bureaus. “Sin embargo, es extremadamente importante que los clientes lean lo que aparece en letra pequeña y que sepan qué esperar”.

Como complemento para las compras a crédito en tiendas, algunas tiendas proporcionan servicios de compra a crédito en línea para adquirir artículos a través del sitio Web del minorista. Además, los negocios de terceros han surgido repentinamente con el propósito de ofrecer planes de compras al crédito en línea entre clientes y minoristas que todavía no tienen un programa de compras al crédito. Los clientes hacen pagos periódicos al proveedor de servicios de compra a crédito de terceros. Una vez que el artículo se ha pagado, el negocio compra el artículo al minorista y se lo envía al cliente.

Al adquirir artículos por medio de compra a crédito, BBB aconseja a los consumidores pedir todas las condiciones por escrito y ofrece la siguiente lista de verificación de preguntas a realizar:

¿Cuánto tiempo tengo para pagar el artículo?

¿Cuándo vencen los pagos?

¿Cuánto debo pagar?

¿Existen algunos cargos por el plan de servicio o almacenamiento?

¿Qué sucede si no doy un pago? ¿Existen multas? ¿Regresa el artículo al inventario?

¿Puedo obtener un reembolso o crédito en la tienda si ya no quiero el artículo después de hacer algunos pagos?

¿Qué pasa si el artículo sale en oferta después de que yo lo aparté para comprarlo a crédito?

¿Tiene el servicio de compras a crédito del minorista o de terceros una buena clasificación de BBB?

Para obtener más sugerencias sobre cómo ser un consumidor experto en esta temporada de festividades, visite www.bbb.org/us/bbb-news.

BBB se une al esfuerzo nacional para destacar la importancia de la educación y protección del robo de identidad de niños

11/7/2011

Posted on 11/7/2011 by

Arlington, VA – 3 de octubre de 2011 – El robo de identidad de niños es un crimen que va en aumento y que provoca daños a los inmaculados informes de crédito de los niños. Cientos de negocios en línea están encontrando números del Seguro social inactivos en línea, la mayoría de los cuales se asignan a niños menores de 18 años que ni siquiera han empezado a utilizarlos. Estos estafadores después venden los números con diferentes nombres para ayudar a las personas a establecer un crédito falso. Proteger el registro limpio e inocente de su hijo es algo que todo padre debe hacer.

Al reconocer la necesidad de un mayor alcance de educación al consumidor, básico a nivel nacional, el Council of Better Business Bureaus (CBBB) está uniendo a agencias gubernamentales y organizaciones de defensores nacionales para promover la 4a Semana nacional Proteja su identidad (PYIW) anual que se llevará a cabo del 16 al 22 de octubre de 2011. Este evento coincide con el Día Asegure su ID de CBBB a realizarse el 22 de octubre de 2011. Durante la PYIW, BBB realizará eventos de protección contra robo de identidad en comunidades de toda la nación. En los eventos locales, los consumidores pueden aprovechar los talleres educativos y el uso sin recargo alguno de la destructora de documentos y está abierto al público.

El robo de identidad afectó la vida de más de 8.1 millones de víctimas adultas en 2010. Según en informe de Javelin Strategy and Research, el robo dio como resultado la pérdida de $37 mil millones de dólares. Además de esto, los niños tienen 51 veces más probabilidades que los adultos de que roben su identidad, según un estudio realizado por AllClear ID.

“Todos corremos el riesgo de que roben nuestra identidad, pero nuestros niños son particularmente vulnerables”, dijo Katherine Hutt, representante de Council of Better Business Bureaus, cuyo hijo fue víctima del robo de identidad durante su primer semestre en la universidad. “Es nuestro deber como padres de familia saber cómo proteger a nuestros hijos, y enseñarles cómo manejar su información personal de forma segura.” Ella dijo que BBB tiene planificado continuar ayudando a las comunidades para que se protejan contra el robo de identidad con más productos, servicios y programas en el futuro.

Los consumidores pueden encontrar los eventos educativos de PYIW en su área al visitar el sitio Web www.ProtectYourIDNow.org. El sitio también presenta un cuestionario interactivo para ayudar a los consumidores a evaluar su riesgo de robo de identidad, videos, blogs y consejos para la prevención del robo de identidad. El sitio Web también está disponible en español en www.cuidesuidentidad.org.

BBB aconseja a los propietarios de negocios asegurar sus transacciones bancarias en línea

11/7/2011

Posted on 11/7/2011 by
Octubre es el mes de concientización sobre la seguridad nacional cibernética y Better Business Bureau aconseja a los propietarios de negocios que protejan su identidad al utilizar transacciones bancarias en línea.

Las transacciones bancarias en línea son una excelente herramienta para ayudar a los negocios pequeños a dar seguimiento de manera rápida y conveniente a la información financiera, así como para hacer sus pagos de facturas y del sueldo de sus empleados. Sin embargo, los que roban datos ahora se enfocan en los propietarios de negocios pequeños y en sus empleados, para obtener acceso a sus credenciales y cuentas bancarias en línea y hacer transferencias de dinero sin autorización. Un negocio pequeño se puede proteger contra el aumento de débitos en sus transacciones financieras al utilizar procedimientos sólidos para asegurar las credenciales que utilizan para acceder a sus cuentas bancarias.

“En la actualidad, cuando prácticamente todo se hace a través de Internet, es extremadamente importante tomar las precauciones necesarias”, dijo Stephen A. Cox, Presidente y Director ejecutivo de Council of Better Business Bureaus. “No solo las finanzas de su negocio están en riesgo cuando no asegura sus transacciones bancarias, sino también los registros de sus empleados podrían estar en riesgo”.

BBB recomienda seguir los siguientes lineamientos que le ayudarán a proteger las computadoras que usa para acceder a sus cuentas bancarias y credenciales de acceso en línea.

Inicie un proceso de pago de "doble control" con su banco y empleados. Asegúrese de que todos los pagos se inicien desde sus cuentas bancarias solo después de tener la autorización de dos empleados. Un empleado autorizará la creación del archivo de pago y el segundo empleado será responsable de autorizar la liberación del archivo. Este proceso se debe ejecutar sin importar el tipo de pago que se inicie, incluyendo cheques, transferencias bancarias, transferencias de fondos, archivos de nómina, pagos ACH, etc.

Tenga estaciones de trabajo dedicadas. Restrinja el uso de ciertas estaciones de trabajo y computadoras portátiles para utilizarlas solamente para las transacciones bancarias en línea y los pagos, si es posible. Por ejemplo, una estación de trabajo o computadora portátil utilizada para las transacciones bancarias en línea no se debe utilizar para la exploración de la Web o de redes sociales.

Utilice métodos y proveedores de autenticación robusta. Asegúrese de que sus proveedores de servicios financieros permitan la "autenticación de múltiples factores". Esto significa que necesita más que solo un nombre de usuario y una contraseña para acceder a su cuenta.

Actualice su software de seguridad y protección contra virus. Asegúrese de que todo el software y los mecanismos anti spyware, anti malware y de seguridad sean robustos y estén actualizados para todas las estaciones de trabajo y computadores portátiles que se utilizan para las transacciones bancarias en línea y los pagos. Implemente un proceso para confirmar periódicamente que permanezcan actualizadas. Los parches de seguridad con frecuencia están disponibles a través de las actualizaciones automáticas.

Concilie las cuentas a diario. Supervise y concilie las cuentas a diario contra los créditos y retiros esperados. Si ve cualquier tipo de actividad inesperada en su cuenta, notifíquela a su institución financiera de inmediato.

Para obtener más sugerencias sobre la seguridad de los datos, visite www.bbb.org/data-security.

Guía para la entrega de una tarjeta de regalo: Asesoría de BBB para la compra de tarjetas de regalo valiosas

11/7/2011

Posted on 11/7/2011 by
Con la temporada festiva que se aproxima y la economía que hace que los presupuestos se reduzcan, muchos compradores irán en busca de las mejores opciones de regalos durante las festividades. Para aquellos que piensan dar tarjetas de regalo a familiares y amigos, BBB recomienda que investiguen antes de comprar una tarjeta de regalo.

En lo que va del año 2011, BBB ha recibido más de 440 quejas contra la industria de tarjetas de regalo, un gran aumento comparado con las 33 quejas recibidas en 2010. En algunos casos, los consumidores se disgustan al recibir una tarjeta de regalo que ya se venció con efectivo cargado que no se puede utilizar hasta que se corrija la fecha de vencimiento. Después de enviar la tarjeta vencida para su reemplazo, el consumidor se queda sin nada cuando nunca recibe la tarjeta de reposición.

“Los consumidores deben observar las tarjetas de regalo que parecen estar ‘abiertas’ o fuera de su empaque original y las tarjetas que indican una fecha de vencimiento próxima o que ya pasó”, dijo Stephen A. Cox, Presidente y Director ejecutivo del Council of Better Business Bureaus. “Los compradores deben ser cautelosos con los sitios de subastas en línea que prometen dar tarjetas de regalo con un ‘valor total garantizado’. Los sitios como estos tienden a vender tarjetas antiguas, sin valor que dejan tanto al otorgante como al destinatario del regalo confundidos”.

BBB recomienda tomar en cuenta las siguientes sugerencias tanto para los otorgantes como para los destinatarios de las tarjetas de regalo:

Conozca las reglas. Las nuevas reglas federales que entraron en vigencia a partir de agosto de 2010, están diseñadas para proteger a los consumidores, éstas restringirán las tarifas y afectarán las fechas de vencimiento de las tarjetas de regalo. Estas nuevas reglas son pertinentes para dos tipos de tarjetas: Tarjetas de regalo de minoristas, que solo se pueden cobrar en tiendas minoristas y restaurantes que las venden; y tarjetas de regalo bancarias, que llevan el logotipo de una red de tarjetas de pago como American Express, Visa o Mastercard y se pueden utilizar en cualquier lugar que acepte la marca.

Verifique. Asegúrese de comprar a través de una fuente conocida y confiable. Siempre verifique los negocios en www.bbb.org. Evite los sitios de subastas en línea, ya que las tarjetas que se venden allí pueden ser falsas o pueden haber sido obtenidas de manera fraudulenta.

Lea lo que aparece en letra pequeña antes de comprar. ¿Existe un cargo por comprar la tarjeta? ¿Existen cargos de envío y manejo por las tarjetas que se adquieren por teléfono o en línea? ¿Se deducirá algún costo de la tarjeta después de que la compre?

Inspeccione la tarjeta antes de comprarla. Verifique que ninguna etiqueta de protección haya sido removida y que los códigos en la parte posterior de la tarjeta no hayan sido raspados para mostrar un número de de identificación personal [“PIN”]. Reporte cualquier tarjeta dañada a la tienda que vende las tarjetas.

Proporcione al destinatario un documento de respaldo. Brinde al destinatario el recibo original en caso de que la tarjeta se pierda o se la roben después. Además, antes de comprar tarjetas de regalo de minoristas, considere la condición financiera del minorista o restaurante. Una tarjeta de un negocio que se declara en bancarrota o es clausurado, posiblemente no tenga ningún valor. Si el negocio cierra una tienda cerca de donde vive el destinatario, será difícil encontrar otra ubicación donde la tarjeta se puede usar. Es posible que un negocio que se declara en bancarrota pague sus tarjetas de regalo o probablemente un negocio de la competencia acepte la tarjeta. Comuníquese con el negocio o con la competencia para averiguar si están pagando las tarjetas o si lo harán en una fecha posterior.

Trate a la tarjeta de regalo como si fuera dinero en efectivo. Es importante que los destinatarios reporten de inmediato las tarjetas perdidas o robadas al emisor. Algunos emisores no reemplazarán las tarjetas perdidas o robadas, mientras que otros sí lo harán, cobrando un cargo. Asegúrese de utilizar las tarjetas de regalo lo más pronto posible, porque es usual que se pierdan o que se olviden.

Para obtener más sugerencias confiables, visite www.bbb.org.

BBB aconseja a los usuarios de tarjetas de débito revisar si tienen nuevos cargos

11/4/2011

Posted on 11/4/2011 by

Better Business Bureau está advirtiendo a los consumidores que es posible que vean nuevos cargos en sus estados de cuentas bancarias al utilizar su tarjeta de débito.

Las modificaciones recientes a las leyes bancarias establecieron la “cuota por lectura digitalizada” que los bancos pueden cobrar a los minoristas por transacciones de débito. La cuota promedio fue de 44 centavos por transacción, pero la nueva ley establece la cuota en 21 centavos. Los bancos estiman que perderán cientos de millones de dólares al año en cuotas por transacciones de tarjetas de débito y buscan recuperar ese dinero de los clientes al modificar varias cuotas de cuentas monetarias.

Algunas de las instituciones financieras más grandes del país ya han anunciado una cuota mensual fija de $3-$5 por el uso de la tarjeta de débito, aunque algunas posiblemente elijan una cuota por transacción, en especial para los usuarios no frecuentes.

BBB recomienda a los consumidores y propietarios de negocios estar alertas a los avisos de sus instituciones financieras sobre los cambios en los términos de sus cuentas. “Si no comprende un aviso que recibe o ve una nueva cuota en su estado bancario que no esperaba, comuníquese con su institución financiera y pida una explicación”, dijo Katherine Hutt, representante de Council of Better Business Bureaus.

Es posible que los cuentahabientes deseen preguntarle a su banco si existen programas para exonerarse de esa cuota en las cuentas que mantienen un saldo mínimo. También es bueno buscar diferentes opciones; es posible que algunas instituciones financieras no cobren ninguna cuota por el uso de las tarjetas de débito.

Para obtener más información confiable para el consumidor, visite www.bbb.org/us/bbb-news.

How to Pay Down Debt Effectively

11/3/2011

Posted on 11/3/2011 by

Financial Apps on Smartphones

11/3/2011

Posted on 11/3/2011 by
Have a smartphone? Learn how you can use apps to help manage your finances.

Credit Counseling to Help Manage Debt

11/3/2011

Posted on 11/3/2011 by

Avoiding Foreclosure

11/3/2011

Posted on 11/3/2011 by

Whether you want to stay in your home or give it up, you have options to avoid foreclosure.

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.

Latest Sweepstakes Scam Pretends It’s BBB Calling

11/2/2011

Posted on 11/2/2011 by

Update (Nov. 21, 2011): BBB was able to get the domain featured in this scam (http://www.better-businessbureau.org/) shut down for trademark violations.

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 You Give is Just as Important as What You Give

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.

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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.

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.

For more tips you can trust, visit bbb.org.

8,000 Jobs to Be Created for Veterans in Health Care

10/28/2011

Posted on 10/28/2011 by

President Obama recently announced a plan to add jobs for veterans in the health care industry, according to a report from Bloomberg.

The President is urging health care centers nationwide to create roughly 8,000 jobs for veterans returning from duty over the next three years. He also laid out a plan to increase programs that help military medics become physician’s assistants. They will be given priority grants to attend colleges and universities to prepare for this type of job.

“Veterans shouldn’t have to fight for a job once they’ve come home from the fight overseas,” said Matt Flavin, director of the White House Veterans.

President Obama’s veterans initiative is part of his efforts to pressure legislators to proceed with his jobs plan.

To read the article, click here.

FTC Halts Bogus Debt Collection Operation

10/28/2011

Posted on 10/28/2011 by

A debt collection operation was recently stopped by a court order requested by the Federal Trade Commission, reports the FTC.

The scheme deceived customers by making fake threats that they would be sued or arrested over debts they did not in fact owe. Two people and seven companies in Corona, California were charged for doing business under the name Rincon Debt Management.

The court order issued by a US district court freezes their assets, stops illegal conduct, and appoints a provisional receiver to handle business while the case moves forward.

Read the full FTC report here.

Military Families To Reduce Holiday Spending

10/28/2011

Posted on 10/28/2011 by

In light of the economic downturn, military families are expected to cut back on Christmas shopping, reports My San Antonio.

Seven out of ten military families will be making these cuts according to the First Command Financial Behaviors Index. In addition, forty two percent of these families will be reduce their spending by at least $400 as compared to last year.

To reduce holiday spending, military families plan to give fewer gifts per person, give gifts to fewer people, spend less on decorations, and spend less on food, among other cost-cutting procedures.

You can read more about military holiday spending here.

StubHub Email Hijacked for Phishing Scam

10/28/2011

Posted on 10/28/2011 by
Hundreds of people across the United States have reported receiving an email claiming to be from San Francisco ticket company StubHub. The emails reference an order for a boxing event that the recipient did not place. This is a phishing email to gather personal information.

This email is not from StubHub and should not be opened. If you have clicked the link StubHub recommends you:

Change your password if you have an account at StubHub right away. Do this through their website and not through an email.
Send a copy of the scam email to StubHub so they can investigate. You can send it to safety@stubhub.com.

Children’s Food and Beverage Advertising Initiative Director Testifies on Self-Regulation

10/28/2011

Posted on 10/28/2011 by

Earlier this month, Elaine D. Kolish, Vice President of the Council of Better Business Bureaus and Director of the Children’s Food and Beverage Advertising Initiative (CFBAI), told Congress that self-regulation is working when it comes to advertising aimed at children. She was asked to testify at a joint hearing of the House Energy and Commerce’s Subcommittee on Commerce, Manufacturing and Trade and the Subcommittee on Health. She told the members of the subcommittees that the food and beverage industry has done a good job regulating itself when it comes to advertising aimed at children, and is continuing to formulate changes that make “voluntary government restrictions” unnecessary.

“CFBAI is changing the landscape of child-directed food advertising in observable and meaningful ways,” says Kolish. “Our participants are committed to combating childhood obesity by restricting their child-directed advertising to healthier foods…or not engaging in such advertising at all. CFBAI’s new category-specific uniform nutrition criteria will further improve the foods in child-directed advertising and make self regulation work even better.”

Kolish told the subcommittees that the proposal by the Interagency Working Group on Food Marketed to Children (IWG) is not realistic or workable, because it also includes advertising to parents and families. Moreover, suggested nutritional criteria in the IWG proposal underestimate technological and consumer acceptance barriers to changing popular products and developing new ones. Kolish’s testimony was well received, and the IWG announced that it intends to take CFBAI’s new criteria into account in its report to Congress.

CBBB integrates U.S. and Canadian operations

10/27/2011

Posted on 10/27/2011 by

CBBB has integrated its U.S. and Canadian operations, marking the way for an improved customer experience for those who purchase goods and services across the border. The integration became effective in August following a year-long preparation.

“Given the advances in technology and the globalization of services, it no longer makes sense to maintain two separate systems,” said M. Jean Lemyre of Via Rail Canada, chair of the Canadian Council of Better Business Bureaus (CCBBB). “The vast majority of consumers initially contact BBB through the internet. Aligning BBB services into one integrated system will be more efficient for businesses in Canada, and will ensure that consumers continue to receive the high quality of services they’ve come to expect from BBB.”

“The U.S. and Canada remain each other’s largest trading partners,” noted Stephen A. Cox, President and CEO of CBBB. “We share the world’s longest undefended border, and our citizens cross the border 200 million times a year. Every day more than $1 billion in goods, services and investments are exchanged between our two nations. We are really one North American marketplace, and the BBB system now reflects that. Not only will it be easier for consumers to check out businesses in either country, it will be simpler for them to file a complaint or resolve a dispute.”

There are 23 standards that local organizations must meet in order to use the BBB name and logo, and to receive services from CBBB. Currently, there are 116 local, independent BBBs – ten in Canada and 106 in the U.S. Several Canadian BBBs were consolidated during the integration process to insure that all were meeting the high standards required to be licensed as a BBB.

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 tsince 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 aworks:

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 concerned about false credit card charges, go directly to the StubHub website and follow their instructions about how to contact the real business.

Ignore Promises of Quick and Easy Debt Settlement

10/19/2011

Posted on 10/19/2011 by
Getting out of debt is neither quick nor easy. Businesses that promise fast solutions to reducing debt, may just end up costing your more in fees -- and doing nothing to lower the amount you owe. The best solution is to talk to your creditors directly and check out debtadvice.org.

Thanks to the National Foundation for Credit Counseling for this helpful information.

Fast Debt Settlement Facts

10/19/2011

Posted on 10/19/2011 by
Beware of promises from debt settlement businesses. Many don't disclose the upfront fees or risks associated with their services

Thanks to the National Foundation for Credit Counseling for this helpful information.

BBB iPhone App Now Available

10/12/2011

Posted on 10/12/2011 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:

“Self-Regulation is Working” head of BBB Children’s Food and Beverage Advertising Initiative to tell Congress

10/11/2011

Posted on 10/11/2011 by

Washington, D.C. – The food and beverage industry has done a good job regulating itself when it comes to advertising aimed at children, and is continuing to formulate changes that make “voluntary government restrictions” unnecessary, according to Elaine D. Kolish, Vice President of the Council of Better Business Bureaus and Director of the Children’s Food and Beverage Advertising Initiative (CFBAI). Kolish will testify tomorrow at a joint hearing of the House Energy and Commerce’s Subcommittee on Commerce, Manufacturing and Trade and the Subcommittee on Health.

Kolish’s written testimony notes that the industry has voluntarily shifted the emphasis of their advertising to children to foods “that are substantially lower in total calories, lower in fats, salt, and added sugars, and higher in nutrient content,” which follows recommendations made by the Institute of Medicine (IOM) in 2006.

“CFBAI’s new category-specific uniform nutrition criteria will further improve the foods in child-directed advertising and make self regulation work even better,” Kolish will tell the subcommittees. The new criteria build on the successes of company-specific criteria, but with additional advantages. “The new criteria will require the participants to change almost one third of the 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.”

Kolish says that the proposal by the Interagency Working Group on Food Marketed to Children (IWG) is not realistic or workable, because it also includes advertising to parents and families. Moreover, suggested nutritional criteria in the IWG proposal underestimate technological and consumer acceptance barriers to changing popular products and developing new ones. The CFBAI’s new criteria, in contrast, “provide a rigorous, yet realistic, roadmap for future improvements,” Kolish said.

CFBAI’s new criteria are also well within the scope of what the IWG was seeking as an alternative to its own proposal. The CFBAI’s new criteria are based on, or closely aligned with, regulations defining “healthy” products and “disclosure” levels, as the IWG suggested. They also are informed by IOM’s recommendations for school meals and foods sold in schools.

“We’re delighted that the IWG intends to take CFBAI’s new criteria into account in its report to Congress, because the criteria continue the positive work of responsible companies in the fight against childhood obesity,” said Kolish.

About the Council of Better Business Bureaus (CBBB)

As the leader in advancing marketplace trust, BBB 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. The CBBB is the network hub for 116 BBBs in the United States and Canada. CBBB also is one of the nation's recognized leaders in developing and administering self-regulation programs for the business community.

For a copy of Kolish’s testimony: http://republicans.energycommerce.house.gov/Media/file/Hearings/Joint/101211_CMT_Health/Kolish.pdf

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.

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 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 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.

Self-Regulation

9/29/2011

Posted on 9/29/2011 by
BBB AUTO LINE, a national program that resolves auto warranty and lemon law disputes, marks its 30th year of service to consumers and the automotive industry. “BBB is committed to improving marketplace trust and the BBB AUTO LINE program is an example of BBB in action,” said Steve Cox, President and CEO of CBBB. “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, car owners were frequently returning for repairs, product quality was inconsistent, and consumers were frustrated. 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 CBBB. “This is a testament to the fact that manufacturers have improved both the quality of their products and their customer service operations. Each year companies are looking for new and innovative ways to improve service and retain customers.”

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. The program also provides a cost effective way for companies to resolve disputes that can’t be settled directly. On average the administrative cost for each BBB AUTO LINE case is approximately $250. Compared to the hourly rate for legal staff and the cost to manage a case in litigation, the program provides a win-win scenario for automotive companies and their customers. BBB has handled almost 2 million cases and nearly 300,000 arbitration hearings since the program’s inception.

Over the last few years BBB has also begun to provide mediation/arbitration for class action settlements using the platform developed for BBB AUTO LINE. This approach provides another valuable service to our National Partners and uses best in class practices to resolve disputes in a fast and fair process. For more information about the BBB dispute resolution programs contact Rod Davis at rdavis@council.bbb.org.

The President's Message

9/29/2011

Posted on 9/29/2011 by
Privacy and security issues continue to be a focus of both the federal government and the media, and I’d like to take this opportunity to update our National Partners on several matters.

CBBB, through the National Advertising Review Council, has been a leader in promoting a self-regulatory solution to the privacy concerns surrounding targeted advertising. The new Online Interest-Based Accountability Program works with companies to assure they are in compliance with self-regulatory principles, established by the industry, for online behavioral advertising (OBA). The principles cover all companies involved in the collection and use of consumer data for online behavioral advertising, including web publishers, ad networks and advertisers.

The new program is effective and well-run, and we expect it will go a long way toward allaying the concerns of regulators and legislators about behavioral advertising practices. In fact, in her recent keynote speech before at the Industry Association for Privacy Professionals, Federal Trade Commissioner Julie Brill acknowledged the benefits of targeted ads and applauded the progress of the industry’s self-regulatory efforts to addressing FTC concerns.

At that same meeting, Genie Barton, CBBB VP and Director of the Online Interest-Based Advertising Accountability Program and Mobile Marketing Initiative, led a workshop on the nuts and bolts of the new program, covering the notice and choice provisions of the industry’s OBA principles. Enforcement is underway.

For more information about the Accountability Program and what your company may need to do, please contact Genie Barton at gbarton@council.bbb.org.

Learn more about the program here.

On the privacy front, the FTC also has issued proposed revisions to regulations implementing the federal Children’s Online Privacy Protection Act (COPPA). See the BBB Call to Action (below) for additional information.

Steve Cox

Spotlight in Trust

9/29/2011

Posted on 9/29/2011 by
Mobile giving is the latest trend that is having a great impact on how charitable companies raise funds. Many companies have discovered that mobile giving has provided them with the ability to expand and enhance their corporate social responsibility efforts as it allows them the opportunity to provide consumers with a vehicle to give charitably using the mobile channel. It provides a convenient, immediate, private and secure way for consumers to give while it gives companies another platform to market and raise funds for charitable causes.

BBB Wise Giving Alliance, and CBBB National Partner, Wiley Rein LLP are among companies that are sponsoring the 2nd Annual Mobile Giving Forum on October 27 in New York. Leading experts in mobile giving, mobile marketing, and corporate social responsibility will come together to meet and discuss the impact mobile giving’s impact. The forum will provide attendees with educational opportunities while leading experts in mobile giving, mobile marketing, and corporate social responsibility will discuss mobile marketing strategies and initiatives.

Facebook Fraud: Beware Malicious Friends

9/23/2011

Posted on 9/23/2011 by
Con artists are lurking in the shadows of your Facebook, Twitter, Linkedin and eHarmony accounts, according to the North American Securities Administrators Association, the oldest international investor protection association.

Read more: http://moneywatch.bnet.com/saving-money/blog/devil-details/facebook-fraud-beware-malicious-friends/5124/#ixzz1YndyMExc

Senior Citizens Remain Target of Scammers

9/23/2011

Posted on 9/23/2011 by
Fraud targeting senior citizens continues to be a widespread concern reported by Better Business Bureau. In 2010, more than 2,700 seniors filed complaints with BBB, and so far in 2011 BBB has received more than 1,300 complaints.

A survey conducted by Investor Protection Trust in June 2010 estimated that 7.3 million older Americans — one out of every five citizens 65 and older — have been victims of financial scams.

Read more: http://austin.bbb.org/article/Senior-Citizens-Remain-Target-of-Scammers-29649

Bill would create ID card for all veterans

9/23/2011

Posted on 9/23/2011 by
Two veterans serving in the House of Representatives have introduced legislation to have the government provide identification cards to all veterans, not just military retirees.

Read more: http://www.militarytimes.com/news/2011/09/military-bill-would-create-id-card-for-all-veterans-092211/

Senator: High veteran dropout rate disturbing

9/23/2011

Posted on 9/23/2011 by
Eight of the 10 schools receiving the most Post-9/11 GI Bill funds last year are for-profit institutions with dropout rates as high as 69 percent for those working on associate and bachelor degrees — a sign that the government could be wasting money on military and veterans education benefits.

Read more: http://www.armytimes.com/news/2011/09/military-high-veteran-dropout-rate-092211/

Direct Selling Terms and Definitions

9/23/2011

Posted on 9/23/2011 by
If you’re considering a direct selling opportunity you may hear a number of terms that are unfamiliar to you. In order to properly evaluate any opportunity, it is important to understand what these terms mean and how they might affect your direct selling experience.

Direct selling vs. direct marketing – is there a difference?
Direct selling is the sale of a product or service outside of a fixed retail location, typically through either a person-to-person or party plan method of selling. Direct sellers are independent contractors who sell a company’s product or services and are compensated based on their sales. On the other hand, direct marketing primarily encompasses direct response, mail, catalog and telephone sales.

What is the difference between direct selling and multilevel marketing (MLM)?
Direct selling refers to a distribution method, whereas multilevel marketing refers more specifically to a type of compensation plan found in direct selling. A direct selling company that offers a multilevel compensation plan pays its representatives/distributors based not only on their own product sales, but on the product sales of their "downlines" (the people representatives/distributors have brought into the business, trained and developed; and, in turn, the people they have brought into the business).

What is the difference between network marketing and party plan?
Traditionally, network marketing has referred to a one-on-one sales experience where a seller demonstrates the products or service to an individual or a couple. In a party plan, a direct seller will generally present to a group of people, often in the home of a hostess who invites her friends and family to the event. Guests have the opportunity to browse through the products and make an order while at the party (although digital technology now allows people to have “virtual parties,” make reorders and provide customer service remotely while still providing a high level of individual attention). Many direct selling representatives use a combination of these methods when making sales.

What is the difference between single level and multilevel compensation plans?
In a single level or “traditional” compensation plan representatives/distributors are compensated based solely on their own product sales. In a multilevel compensation plan, representatives/distributors are compensated based not only on their own product sales, but on the product sales of their downlines (a team of people representatives/distributors bring into the business, train and lead).

Is MLM legal?
Yes. Multilevel marketing is an acceptable way to compensate individuals for the sale of products and services. Conversely, pyramid schemes are fraudulent and illegal.

What is a pyramid scheme?
A pyramid scheme is a system in which participants are rewarded primarily for bringing others into the scheme. Payments by new recruits to join the business go to the recruit’s sponsor and that person’s sponsor, etc., and the only way to recoup one’s investment is to in turn recruit more people into the system. Compensation is dependent primarily upon this recruitment, rather than the sale of real product to real consumers. In a legitimate plan, compensation is based on the sales of real product to real customers - including other salespeople who actually use the product themselves. The costs associated with joining a legitimate plan are minimal and generally just enough to cover the cost of product samples or other items to help the seller get started.

What is an independent contractor?
An independent contractor is a person who performs work for another company under terms specified in a contract or other agreement. Independent contractors are not employees of the company and work as much or as little as they desire. They are “self-employed” and are responsible for calculating and submitting taxes on their income (i.e. taxes are not withheld from payments to independent contractors). Direct sellers are treated as independent contractors under federal and state law, including being statutorily defined as non-employee independent contractors for federal employment tax purposes under section 3508 of the Internal Revenue Service tax code.

What is a “downline” and an “upline”?
In a multilevel compensation structure a downline refers to those one has personally recruited and trained as well as the recruits of their recruits and so on. An upline is the person who recruited (sponsored) a seller, as well as their sponsors. Compensation is generally paid for several levels of recruits, but varies by company. Compensation plans can be complicated so it is important to fully understand how you will be compensated before signing up. This is also a good opportunity to verify that your compensation will come from the sales of products and services – not just the act of recruiting.

Once you are familiar with the terms associated with direct selling you will be able to approach your decision to join a company with confidence. Remember – it’s important to read and understand all parts of an independent contractor agreement before signing. A good opportunity will still be there tomorrow so take your time in deciding what is right for you.

What is the DSA Code of Ethics?
"The cornerstone of the Direct Selling Association's (DSA) commitment to ethical business practices and consumer service is its Code of Ethics. Every member company pledges to abide by the code's standards and procedures as a condition of admission and continuing membership in DSA.
The DSA Code of Ethics speaks to both the consumer and the seller. It ensures that member companies will make no statements or promises that might mislead either consumers or prospective sales people. Pyramid schemes are illegal and companies operating pyramids are not permitted to be members of the DSA.
The DSA Code of Ethics is enforced by an independent code administrator who is not connected with any member company. The code administrator will do everything possible to resolve any complaints to the satisfaction of everyone involved, and has the power to decide on remedies. All member companies have agreed to honor the administrator's decisions."

An Annual Credit Report Sounds Good, But Is It Enough?

9/21/2011

Posted on 9/21/2011 by
These days, it's hard to browse the Web or turn on the television or radio without coming across mentions of free credit reports. You can get yours from a variety of companies that provide access to them, including a free copy once a year from each of the three credit bureaus — Equifax^®, Experian^® and TransUnion^®. While not having to pay for a copy of your credit report is nice, you may wonder if there are more comprehensive ways to keep tabs on your financial profile than simply glancing at a free credit report.

This may be especially true if you are considering making a large purchase that requires an extensive credit check, such as buying a house. Since the slightest financial blemish can affect how much credit you qualify for, and the interest rates you will receive on your loan, times like these may make you want to monitor your credit more closely. And there are a number of companies out there that offer this service.

So, what do you get when you pay for credit monitoring? Here are some examples of the information credit monitoring services provide that you won’t get on a free credit report:

Making sense of reports. Each of the three major credit reporting agencies issue reports in different ways. They can be difficult to understand if you don't have a lot of experience reading credit reports. A monitoring service can help you synthesize that information in a way that's easy to read and decipher.
Access to all agencies in a single report. Not only do each of the major reporting agencies not compile reports in the same way, they also don't necessarily share data. So, while you might not have a blemish on one agency's report, one may appear in a report from a different agency. A credit monitoring service allows you access to reports based on data from all three agencies, so you can check them all for discrepancies. Because of the lack of formatting in the free credit reports, it can be difficult to impossible to compare and contrast the credit reports you receive from the different agencies.
Daily monitoring. Whenever you request a free report, the information you get back reflects your financial situation as it stands at the time of your request. So, where a one-time free credit report provides a snapshot in time of your credit history, credit monitoring gives you a more complete, moving picture. As you work toward improving your credit rating in order to make a major purchase, you can keep track of your progress and apply for financing when you feel most comfortable.
Alerts. In addition to giving you daily updates on your credit, you can and should pick a credit monitoring service that will alert you if certain changes are detected in your credit report. That way, if you become a victim of identity theft or other related fraud, you have the ability to deal with it immediately and keep your credit in good standing.

The bottom line is that by spending a few dollars to monitor your credit, you may end up saving yourself a significant amount of money in the long run because you'll be able to get a better interest rate on a mortgage or large loan. You also will have the added benefit of knowing when your credit has been compromised.

Good Credit Score Tip: Make More Than The Minimum Payment

9/21/2011

Posted on 9/21/2011 by

Keeping up on credit card debt is an important part of maintaining a good credit score. Some consumers make only the minimum payment on their credit card balance, and while that may prevent them from defaulting on that account, it might also have some unintended effects to their credit score. It's important for cardholders to understand the benefits of paying more than just the minimum payment when possible.

Isn't the minimum payment enough?

Most consumers naturally assume they should only pay the minimum payment, partly because that's the approach they take with other monthly bills. However, this payment strategy might not be as advisable with accounts that accrue interest - particularly credit cards, which often come with higher interest rates.

How do minimum payments affect credit scores?

The actual act of making a minimum payment won't harm consumers' good credit score, because credit bureaus still consider it the "full" monthly payment in their history. However, cardholders with large credit balances often cannot effectively eliminate their debt with the smallest required payment, because their account will accrue interest each month. In fact, it is possible for a credit balance to increase even as its owner makes monthly payments. Credit balances account for roughly 30 percent of a person's credit score, and if his or her debt continues to grow, his or her good credit score could take a hit.

Ways to pay down a credit card balance

There are some ways for consumers to avoid seeing their balance inflate because of high interest and low payments.

Pay more each month - Consumers who pay even a small amount more toward their credit card payment each month may be able to prevent their balance from increasing significantly. Financially, this might not be reasonable every month, but it's important to try to put more toward that debt when possible.
Develop a payment plan - Cardholders who estimate how long it will take for them to pay off their balance and how much they need to put towards the payment each month may be able to develop a realistic plan of attack.
Keep abreast of credit situation - It may also be helpful to check one's credit reports and scores to see if any serious credit damage has already occurred. This can be the first step in a consumer's approach to fixing his or her credit situation.

Six Tips to Help Reduce the Risk of Identity Theft

9/21/2011

Posted on 9/21/2011 by
According to a February 2011 Javelin Strategy & Research report, more than 8.1 million identities were stolen in 2010. On average, victims were responsible for paying $631 in out-of-pocket costs, such as those to cover fraudulent debt or legal fees, which is a significant rise from $387 in 2009. The California-based market research firm says the increase may stem from thieves focusing more on new account debit card fraud.

The climbing costs may provide individuals with even more incentive to secure credit protection and other helpful services that may allow them to better monitor their credit reports and scores. While a credit and fraud protection program can be a great asset, consumers should also make sure to take the proper steps to lower their risk of identity theft.

Here are six tips that may help consumers better defend against thieves.

1. Avoid throwing away any private documentation - bills, credit card offers, bank statements - that contains personal identifying details without first running it through a paper shredder.

2. Take receipts after a purchase and check their listed amounts against credit card bills. This approach may help a person identify any fraudulent charges on his or her statements.

3. People should avoid carrying their Social Security cards out of their home unless it's absolutely necessary. Similarly, they should not share their nine-digit numbers with anyone unless they've properly verified the person or company.

4. Individuals who plan to take a vacation should ask to have their mail delivery temporarily suspended. Taking this approach may help prevent thieves from pilfering important financial material from mailboxes while people are out of town.

5. Use a different password for each online account. Consumers who use the same codes across all of their accounts run the risk of having all of their information exposed if a single account is compromised. In addition to using a variety of different passwords, individuals should also make sure to construct their keys with a combination of numbers, capital letters, and, if possible, symbols.

6. Researching and staying abreast of the latest online fraud tactics may help consumers protect their credit reports and scores from an identity theft-related scheme. Knowing what scams are out there can help individuals practice safer Web browsing behavior.

Finance and Credit Tips: http://www.bbb.org/us/consumer-tips-finance/

Identity Theft And Password Protection

9/20/2011

Posted on 9/20/2011 by

Distant one-time stings and quickie rip offs are just part of the story of online scams. Indeed, imagine how much worse it would be if the bad guys had full access to virtually all your important personal information? It would be full-scale identity theft, and it would be bad. Real bad – perhaps life-changing bad.

There are a variety of ways this can happen, and many of them are documented above. But one area we haven’t yet touched upon involves those unscrupulous types with a fondness for passwords. Your passwords, in particular.

Scenario #1: Say you enjoy blogging or yapping at a social networking site about your pet rat Samantha. She’s a fine rat to be sure, with perfectly groomed whiskers and an immaculate pedigree, but you clearly care about this rat more than most of us care about our rats – perhaps so much so that you might use her name as the password at an online retailer such as Amazon.com – or worse, at your online banking site. The bad guy has been watching you and already knows where you live. He’s done his research, and has used any one of a number of means – say, rooting through your garbage can for those unsolicited credit card application forms you always toss out – to dig up other information as well. Armed with this ammunition, and now with what is potentially your password too, he’s well on the road to hardcore identity theft.

Scenario #2: You’re a traveling salesman – or, at the very least, a traveling somebody. You tend to use computers whenever and wherever you get the chance. Today, you’ve visited the local library in some forgotten town in the middle of Montana for a little Internet time. You surf about like you always do, logging into a variety of sites along the way. Sadly for you, a nearby library “patron” was stealthily watching your every move. Worse still, he was filming it via a hidden camcorder. In any case, he now knows enough about you to either put you in the poor house or impersonate you and make you look like the bad guy.

How to avoid:

• Varying your passwords between sites is a great way to keep the crooks guessing. One problem: Monitoring and remembering all those passwords is a real hassle. But that’s why password management utilities exist. They randomly generate unique passwords for each of the sites we visit, yet ask only that we remember one. RoboForm (www.roboform.com) and KeePass (http://keepass.info/) are two of the leading password managers available today.

• Ensure the website you’re visiting and is secure. If you’re on a secure site, you’ll see “https” rather than the regular “http” in the address bar and a lock icon in the status bar. Naturally, fraudsters have already devised a way to spoof even these identifiers, but you’ll definitely know you’re not on a secure site if you don’t see both.

• Once more for good measure: Install and regularly update Internet security software.

• Refer to the Federal Trade Commission’s Identity Theft Site at (http://www.ftc.gov/bcp/edu/microsites/idtheft/) for more information or if you feel you’re a victim.

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Viruses, Trojans, And Hackers

9/20/2011

Posted on 9/20/2011 by

Viruses are the granddaddy of computer security threats, and in the dark, distant past, they seemed bent on simply wreaking havoc upon the systems in which they existed.

But despite our best attempts to banish them forever from our computing environments, they’re not only alive and well, but stronger and smarter and more capable than ever.

Let’s revisit that traveling salesman we met earlier. Now finished with his globetrotting trek, he’s finally returned home to his wife and kids and the apparent safety of his own PC. In his basement office, there’s no one watching over his shoulder or filming him as he surfs the Net and conducts his business, nor is anyone actively phishing him, nor does he visit scam-heavy sites. But that doesn’t mean he’s untouchable.

Though he knows nothing about it, a “Trojan” has crept from the virtual slime and lodged itself in the depths of his hard drive. Trojans are a form of virus that sneak in unbeknownst to the user and attack PCs stealthily from the inside – just like the Trojan horse of old – and right now this Trojan has consistently evaded our salesman’s virus detection software and essentially reinvents itself with each reboot. It now grabs most important personal data – passwords, banking info, credit card numbers, and the like – even before that data becomes encrypted.

How has this Trojan found its way to this specific computer? If not through one of the avenues described earlier, then perhaps attached to a downloaded file such as a video codec. Or via an otherwise trustworthy email, a website with an executable file, or a peer-to-peer file-sharing service. There’s really no shortage of Trojan-friendly sources, and that’s just one of the reasons they’re considered one of the most troublesome examples of malware in existence.

Still, our hero is somewhat lucky. If this had been a “backdoor” Trojan, it may have opened holes in his system that would allow hackers not only to steal just about anything they wanted, but to access email, use his Internet connection to attack other computers, and effectively take control of his PC.

How to avoid:

• Recent surveys indicate that upwards of 80% of all computer users own and use an anti-virus/Internet security application. However, these surveys also say that 75-percent do not perform regular updates. Though it goes without saying that everyone should have some form of Internet security, it cannot be stressed enough that those very same people must also keep their software current. There’s no way that a half-year-old package will thwart threats that appeared only yesterday.

• Watch where you surf. “Naughty” sites in particular do not have a great track record when it comes to security breaches.

• Back up your data! Though the shock and the hassle of discovering a Trojan has infiltrated your system is bad enough, the entire scenario is that much worse if you end up losing all that you have created.

• Unsolicited pop-up windows that initially look beneficial or interesting, but inevitably request your name or email address, should always be avoided.

• If you find yourself the victim of a Trojan and just can’t seem to shake it, you may want to reformat and reinstall your entire system. Good thing you have backups!

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Job Scams

9/19/2011

Posted on 9/19/2011 by

While reputable work-from-home jobs and reputable job search sites do exist, so too do scammers who’d rather play upon the trust of the needy and use them as unwitting pawns in their illegal schemes.

But whereas some schemes are relative small potatoes, others are so structured, so potentially lucrative for their perpetrators, and so potentially damaging to those involved, that they could only be the product of organized crime. The highest profile of these schemes is known simply as the “reshipping fraud,” a nasty bit of business that’s not only attracted a ton of attention from the FBI, but proves once again that if it looks too good to be true, it probably is.

The advertisements typically boast short hours, great pay, and a work-at-home lifestyle, but the end results are quite a bit less desirable. Within days of signing up, courier and mail packages arrive at the door, complete with instructions to forward them to far-off destinations. Next, it’s money, both incoming and outgoing, and soon the phone calls begin – people wondering whatever became of their shipment, others perplexed or angered that an online purchase could go so horribly wrong. Reshipping fraud has its tentacles in just about everything and claims a long list of victims, including eBay sellers and buyers, credit card companies, online retailers, and, of course, the innocent guy or gal simply wanting to make a few extra bucks legally.

Not far removed from reshipping fraud is the “payment-forwarding” scam, wherein the newly hired “employee” is asked to provide a personal bank account number (presumably for direct deposit of paychecks) and then to begin forwarding sums of money (wire transfers, PayPal balances, etc) on behalf of the employer from one third-party account to another. One problem – most of that money is stolen and the victim has just played a key role in money-laundering.

How to Avoid:

• Don’t ever think that only a moron would fall for such a scam. Remember, con artists do this for a living. They’re not only extremely convincing but also exceedingly patient, often coming off as totally legit then subtly switching the rules as time goes on.

• Steer clear of businesses with mismatched area codes, addresses, and zip codes.

• Do not allow a new employer – particularly one you haven’t even met – to deposit funds in any of your accounts. Do not transfer money for them, do not forward money for them, and do not “wire” money for them.

• Surf over to the National Consumers League’s rather hip website at www.fakechecks.org for more information on how to recognize and avoid not only job scams but scamming in general.

• Check out the email address of your prospective new employer. Remember, johnqpublic@yahoo.com likely isn’t credible.

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Social Networking Scams

9/19/2011

Posted on 9/19/2011 by

Social networking sites may be wonderful ways to keep track of distant friends and family, but they’re also the stomping ground of millions of people you don’t even know. More critically, they’re now home to a growing number of people who aren’t who they claim to be.

Fake identity is a big deal in the world of social networking, and it can hit you in a number of ways. Maybe there’s someone out there claiming to be someone you know. Maybe there’s someone you know claiming to be someone else. Or perhaps there’s someone claiming to be you. The point is that faking an ID on a social networking site isn’t so very difficult, yet the potential damage is limited only by the imagination.

How to avoid:

• Recognize the difference between the areas of a social networking site that are private and those that are public, and post with that in mind.

• Don’t go randomly clicking on every link that pops up. Beware truncated links especially, and delete/ignore anything you can’t automatically identify.

• Social networking quizzes/games/forms are not always as innocent as they seem. If you’re forced to divulge any personal information – such as a telephone number – to get a score, or if you’re asked uncomfortable questions (“What are you wearing?”), say bye-bye.

• Regularly change your password, and try to use different passwords at Facebook or LinkedIn than you’ve used at your online banking site.

• Do not respond to one-off pop-ups encouraging you to meet a new friend or perform any action that’s atypical.

• If you do become a victim of harassment, save the conversations and whatever information is applicable. You may need it later when you’re talking to the police.

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Online Dating Site Scams

9/19/2011

Posted on 9/19/2011 by

Perhaps the most insidious scam of all involves online dating and those simply looking to enhance their romantic lot in life.

Feeling rather open to new possibilities and perhaps a bit down about their current circumstances, the lonely soul responds to a sudden but overtly amorous message from a ridiculously attractive suitor. He or she doesn’t always analyze the grammatical quality of that message, nor do they back off when asked to reply to a private email address. Through a series of emails stretching days and perhaps weeks, the friendly stranger ultimately gains their trust and then, through one sob story or another that usually utilizes ingredients from the Nigerian Scam above, attempts to bilk them of their cash.

Yet as humiliating as that might be, it pales in comparison to the far more sinister motives of the sexual predator. Stories of this ilk are well documented elsewhere, but let’s just say embarrassment and financial loss are one thing – this is something completely different.

How to avoid:

• For starters, select a reputable dating site. Check the membership numbers – particularly “active” members – and see how many are situated within a reasonable distance. Google your favorite sites for professional reviews and user opinions.

• Don’t rely on emails and photos as reliable precursors to a first date. Instead, get the phone number of your prospective suitor and really talk it up. Who are they? Get as many details as possible, and run in the opposite direction if few or none are offered.

• Watch for vague, poorly-written messages. Not everyone is an English major, but it’s pretty easy to spot the difference between a bad typist or English Second Language student and a foreign conman.

• If your new online sweetie consistently responds to your overtures within an especially short time frame – say, fifteen minutes – or if it seems like he or she might have a dozen or so personalities, there’s a good chance you’re not conversing with just a single person, but a whole team – of fraudsters. Proceed accordingly.

• Do not agree to requests for money, particularly if that request comes from apparent Russian bathing suit models. Russia especially seems to have about a billion of those these days.

• Pick a busy, public location for that first get-together, take a cell phone along with you, and let a few friends know where you’re going – and whom you’re meeting.

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Craigslist Scams

9/16/2011

Posted on 9/16/2011 by

Craigslist and other online classified service scams are both rampant and varied. That said, typical Craigslist cons inevitably involve requests for personal information, queries as to whether you’ll accept uncommon payment methods (such as cashier checks or money orders), and/or claims that Craigslist itself will offer payment protection.

And let’s not forget the old “overpayment” routine, wherein the “buyer” proposes to pay even more than is asked, again by check or money order, on the basis that you reimburse him or her for the extra bucks. Of course, said check or money order will be as legit as a $3 bill. One other thing – if the dude interested in your $10 blender lives overseas, you best look for another buyer.

But craigslist scams are by no means confined to email. If you include your phone number with your ad, you can expect unwanted verbal contacts too. We placed an advertisement for a 1998 minivan and fielded several automated calls from a purported “service” and a ridiculously friendly representative who made us feel all fuzzy about our amazing vehicle by saying he had at least five people ready to buy it, today, at a premium price. Too bad then that the entry fee for said service was $200. Even worse – we checked into the originating telephone number and found only the comments of other frustrated potential victims.

And of course, sellers aren’t the only ones being scammed. We tried to arrange a get-together with a fellow who was seemingly selling a legit set of speakers. Our first clue something was amiss? When he waffled on the model number and wasn’t sure if he’d purchased them outright or received them as a gift. And then there was the uncertainty over his address. He first told us he lived ten minutes south. Two days later, he lived north of us. Ultimately, we were asked to meet him at a nearby intersection. In his “buddy’s car.” ‘Nuff said.

How to avoid:

• Take care when responding to names and messages that are clearly unusual. We advertised several tech- and computer-related items and several weeks later were besieged by parties with strange, all-uppercase monikers such as “CASE RAFAEL” and “NICHOLAS MIDDLETO,” each suggesting we enroll in an online course teaching us how to “market through Google.” It didn’t help the scammer’s cause when we were informed we’d be served on a “first come, first severed” basis. Ouch!

• Craigslist clearly states that it does not play a role in or guaranty any transaction. Thusly, don’t ever believe someone when they say Craigslist has their back.

• Sure, you may get the odd person out of county or out of state who honestly wants what you’re selling. But, as Craigslist maintains, the majority of distant “buyers” aren’t buyers at all. If you do deal with someone far away, do so only on the basis that the payment arrives in cash or that it clears fully before you ship the item.

• Do you due diligence. Learn about the item you want before you go shopping. Check online reviews. Realize its durability and weaknesses, and ask the seller pointed questions in that direction.

• Online classified services are great places to offload hot items. Quiz the seller as to where and when they purchased the goods and look for credible, quick responses. Ask the model number. Ask for the receipt if they say they received an item as a gift. Tell them you want to see your prospective purchase in action before you commit. In short, don’t leave anything to the imagination.

• Do not hand out your personal financial or banking information to anyone at anytime.

• The best advice of all? Involve yourself only in local, face-to-face transactions where merchandise and payment (in cash) are exchanged simultaneously. If the purchaser (or seller) can’t meet you in person, fuggedaboutit.

This article is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

Nigerian or Advance-Fee Scams

9/15/2011

Posted on 9/15/2011 by

So named because this form of scam was born in the oil-rich yet impoverished nation of Nigeria, but also referred to as the 419 Scam because that is the section of Nigerian penal code that deals with it, the Nigerian Scam is likely the most infamous online scam of all – and one with a glorious history that harkens all the way back to the 1980s and the Telex machine.

It goes like this: A purportedly foreign perpetrator contacts you personally (though you’re just one of a multitude of potential victims), saying he or she somehow knows the whereabouts of a usually ill-gotten fortune/treasure, but does not have the means to access it without offshore assistance. Your supposed reward? A juicy commission or a goodly chunk of said fortune. Several emails are then exchanged until you’re asked outright for a small loan or a payment of certain fees in order to extricate all that money. Needless to say, said scammer promptly evaporates once you’ve forwarded the funds.

Just in case you think you’re too smart to fall for such a played-out ploy, think again. These days, the Nigerian scam comes in a variety of flavors. US servicemen stationed overseas. Apparent buddies of servicemen killed in action. Even distant relatives. There really is no level too low for these phonies to stoop.

How to avoid:

• If you receive unsolicited communication, in any way, from any company or person with which you are not familiar, put your spidey-senses on full alert.

• Never, ever give out personal and financial information of any sort to any business/person you don’t know and implicitly trust.

• No matter how dire and/or compelling the story of hard luck or misfortune, do not fall for it.

• Watch for unprovoked references to faith or “God” or a higher power – often telltale signs of someone not well-versed in the ways of western society.

• Check out the syntax and grammar. Not everyone is a wordsmith, but scam emails of a foreign nature often include incomplete words or sentences, incorrect structure, and bizarre spelling.

• Nigeria’s anti-corruption police network (the “Economic and Financial Crimes Commission”) have purportedly made recent inroads into online crime, yet there’s no doubt the Nigerian Scam and its many offshoots, many of which have nothing to do with Nigeria, remain very serious stuff. Innocent people on both sides of the coin have been killed over these scams, multiple millions of dollars have been lost, and much of the proceeds go to fund other criminal activities such as drug dealing and credit card fraud. Do not take it lightly.

Content is republished with permission from Digital Trends. Visit their website at www.digitaltrends.com.

BBB le recomienda investigar antes de involucrarse en una estafa en cuanto a la reparación de automóviles

9/9/2011

Posted on 9/9/2011 by

BBB le recomienda investigar antes de involucrarse en una estafa en cuanto a la reparación de automóviles

¿Qué hace cuando se le rompe un limpiaparabrisas, la luz trasera izquierda se quema y los frenos no funcionan? Algunos pueden optar por solucionar el problema por sí mismos, pero muchos terminan contratando el servicio y el trabajo de un mecánico de automóviles. Si bien la mayoría de los mecánicos de automóviles son honestos y están disponibles, es necesario que los consumidores estén alertas ante quienes intentan ganar dinero fácil. Better Business Bureau aconseja a los consumidores investigar antes de llevar su automóvil a un servicio de reparación de automóviles.

Cuando su vehículo necesite una reparación, no es necesario hacer un curso intensivo en mecánica de automóviles, pero debe saber cómo encontrar un taller y un mecánico confiable. Es importante que los consumidores estén alerta ante estafas como tarifas de reparación excesivas, el cobro de trabajos que nunca se han realizado y la realización de trabajos de mala calidad. En 2010, BBB recibió la enorme cantidad de 12.682 quejas contra mecánicos de reparación de automóviles. Solo en lo que va del año, BBB ya ha recibido casi 11.000 quejas.

“Muchas veces los consumidores se dan cuenta de que han sido estafados, pero no tienen modo de probarlo”, Presidente y CEO del Consejo de Better Business Bureaus. “Es de suma importancia tener el presupuesto de las piezas de repuesto y de la mano de obra por escrito antes de autorizar algo”.

BBB le ofrece los siguientes consejos a considerar antes de llevar su automóvil a un servicio de reparación de automóviles.

Obtenga al menos tres referencias. Si está buscando un mecánico calificado, pídale recomendaciones a un amigo, un familiar o un compañero de trabajo. Asegúrese de verificar la empresa con www.bbb.org para ver si se ha presentado alguna queja. Busque talleres que muestren una certificación. Para trabajos de importancia, como la reparación de frenos, de la transmisión o del motor, es necesario que encuentre un taller donde trabaje un especialista.

Haga tantas preguntas como sean necesarias. No tenga inconveniente en solicitar definiciones técnicas. No apresure al técnico a que haga un diagnóstico del problema en el momento. Pídale que lo llame y le informe sobre el problema, el procedimiento a seguir y el costo del trabajo antes de comenzar cualquier trabajo.

Obtenga todo por escrito. Antes de autorizar la reparación, obtenga un presupuesto por escrito de las piezas de repuesto y de la mano de obra. Dígales que necesitan obtener su permiso antes de realizar toda reparación adicional. Asegúrese de recibir una notificación y que el gerente de servicios escriba la solicitud en la parte inferior de la orden de reparación. Deje los números de teléfono donde puede ser contactado y, antes de irse, asegúrese de comprender todas las políticas del taller respecto de las tarifas de la mano de obra, las garantías y los métodos de pago que aceptan.

Haga un recorrido de inspección con el mecánico. Cuando retire su vehículo, pida una explicación de todo el trabajo realizado y pida todas las garantías por escrito. Solicite que le muestren todas las piezas nuevas importantes que se han instalado. Su factura de la reparación debe ser detallada en caso de que ocurra un problema, así podrá probar que la garantía cubre ese artículo.

Para obtener más consejos confiables para el consumidor, visite www.bbb.org/us/bbb-news.

BBB le aconseja cómo proteger sus dispositivos electrónicos este año lectivo

9/9/2011

Posted on 9/9/2011 by

Cuando los estudiantes de todo el país vuelven a la escuela, muchos llevarán sus celulares, iPads, iPods, ordenadores portátiles y otros dispositivos electrónicos a todos lados, de la clase al automóvil. Better Business Bureau les recuerda a los estudiantes y a sus padres que discutan sobre la manera de evitar que los dispositivos electrónicos caigan en manos ajenas.

Los campus universitarios, las cafeterías, los lugares de encuentro locales e incluso las aulas pueden ser un blanco fácil para quienes intentan arrebatar dispositivos electrónicos caros. Los ladrones no solo pueden robar sus pertenencias, sino que pueden tener acceso a información confidencial como correos electrónicos, mensajes de texto, calendarios, fotos e incluso claves de acceso a redes sociales.

“Es necesario que los estudiantes estén atentos cuando se trata de proteger sus dispositivos electrónicos”, dijo Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Los dispositivos electrónicos son una gran inversión y deben ser tratados como si fueran un fajo de billetes”.

BBB brinda el siguiente consejo a estudiantes y padres sobre cómo preservar de forma segura sus pertenencias en la escuela:

No deje nada en el suelo. Sin importar si está en público (una gran sala de estudio en la escuela, una conferencia, una cafetería o una mesa de inscripción), evite dejar sus dispositivos electrónicos en el suelo. Si debe dejarlos, colóquelos entre sus pies o al menos contra su pierna, para estar atento.

Déjelos en casa. En algunos casos, los distritos escolares pueden tener políticas estrictas respecto a los estudiantes que llevan dispositivos electrónicos al campus. Asegúrese de averiguar qué está permitido en el campus y en la clase. También, determine si realmente necesita sus dispositivos electrónicos durante las horas de escuela o si pueden esperar hasta que llegue a casa.

Sáquelos del automóvil. No deje sus dispositivos electrónicos en el automóvil (ni en el asiento, ni en el baúl). Los automóviles estacionados son el blanco favorito de los ladrones; no los ayude descuidando sus pertenencias.

No los deje “solo por un minuto”. Sus compañeros de clase parecen confiables, por lo que no le preocupa dejar sus dispositivos electrónicos sobre la mesa mientras sale al recreo. La gente de la cafetería parece agradable, entonces les pide que miren sus pertenencias mientras va al baño. No deje su ordenador portátil, iPad u otras tabletas gráficas sin vigilar, ni siquiera por un minuto.

Use recursos adicionales. Según sus necesidades de seguridad, una alarma puede ser una herramienta útil. Algunos ordenadores portátiles suenan cuando hay un movimiento inesperado o cuando el ordenador se mueve fuera de un rango especificado a su alrededor. O considere un tipo de “Lo Jack” para su ordenador portátil: un programa que informa la ubicación de su ordenador portátil robado cuando se lo conecta a Internet.

Para obtener más consejos para el consumidor y noticias en las que puede confiar, visite el centro de noticias de BBB en www.bbb.org/us/bbb-news.

Cómo administrar su crédito empresarial prudentemente

9/9/2011

Posted on 9/9/2011 by

Ya sea que esté comenzando a poner en marcha su propia empresa o que esté buscando administrar su crédito empresarial actual de forma más efectiva, siempre es importante mantener el control de sus finanzas. Better Business Bureau recomienda a los empresarios seguir unos pasos simples para asegurar la salud financiera de su empresa.

A medida que su empresa comienza a crecer, es importante forjar un buen historial crediticio que sea independiente de su historial crediticio personal. Obtener un crédito en nombre de su empresa puede ayudarlo a calificar para tasas menores en préstamos y contratos de alquiler y puede ayudar a proteger su historial crediticio personal, que podría perjudicarse si tiene una deuda empresarial demasiado alta.

“Nunca es demasiado temprano para comenzar a establecer un historial crediticio independiente para su empresa, incluso si esta está en las primeras etapas”, señaló Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Mantener las tarjetas empresariales independientes ayuda a mantener el registro; muchas compañías de tarjetas proporcionan informes de gastos especiales que pueden vincularse al software contable de su empresa y facilitar la forma de llevar la cuenta de sus gastos empresariales cuando empiece la temporada impositiva”.

BBB le recomienda seguir estos pasos simples para administrar su crédito empresarial:

Establezca una identidad constante. Use desde el principio y en todo momento el mismo nombre, dirección y número de teléfono para su empresa, lo que facilitará a las agencias de información crediticia mantener su historial en un solo expediente. Considere constituirse como sociedad para establecer legalmente una identidad comercial que sea independiente de su identidad personal.

Abra sus primeras cuentas. Obtenga una cuenta corriente por separado para su empresa. También abra una cuenta con una compañía de suministros para oficinas u otro proveedor que reporte transacciones a las agencias de información crediticia comercial. Haga gastos pequeños y páguelos de inmediato, incluso antes de que llegue la factura (a diferencia de los puntajes crediticios personales, obtendrá crédito adicional por pagar antes del plazo).

Proporcione documentación clave. Generalmente los prestamistas solicitarán el historial crediticio y los estados de resultados de los últimos años de su empresa para que puedan ver cuanto ganó en el pasado.
Y también le pueden pedir un plan comercial para poder evaluar su potencial de ganancias futuras. A menudo están interesados en conocer su flujo de caja en relación a los gastos y su deuda total en relación a sus ganancias. Brinde toda esta documentación junto con explicaciones para presentar el caso más sólido, especialmente si no tiene ganancias uniformes durante el año, para probar a los prestamistas que espera ganar dinero suficiente para pagar sus cuentas en el futuro.

Solicite un número DUNS a Dun & Bradstreet, una de las agencias de información crediticia comercial más importantes (vaya a www.dnb.com). Habitualmente lleva 30 días obtener un número DUNS o puede pagar un monto adicional para obtener una cuenta rápida. Luego asegúrese de que las compañías con las que tenga cuentas comerciales brinden la información sobre sus pagos puntuales a Dun & Bradstreet. También es una buena idea proporcionar información adicional sobre su empresa para su expediente crediticio. Aquí es donde los prestamistas potenciales y otras personas averiguarán sobre su empresa y la posibilidad de que pague puntualmente sus préstamos y sus contratos de alquiler de equipos y de oficina, lo que afectará los términos y las tasas. Después de obtener un número DUNS, abra otras cuentas comerciales con otras compañías que envían información a las agencias de información crediticia, haga gastos pequeños y también haga un pago anticipado de esas cuentas. Verifique si hay errores en su cuenta y asegúrese de que le reconozcan sus pagos anticipados.

Verifique la calificación crediticia de su empresa. De forma similar a una calificación crediticia para las personas, la calificación PAYDEX extrae la información en su informe crediticio de Dun & Bradstreet y la vuelca en un número, que muestra a las posibles entidades de préstamo la posibilidad de que usted haga sus pagos puntualmente. Estas calificaciones van de 0, la más baja, a 100, la más alta. Una calificación de 80 a 100 generalmente significa que usted paga sus cuentas antes del plazo; de 50 a 79 significa un nivel de riesgo medio de pago tardío (promedio de 30 días o menos después de los términos del préstamo) y una calificación de 0 a 49 significa un nivel de riesgo alto de pago tardío.

Para obtener más consejos comerciales en los que puede confiar, visite www.bbb.org/credit-management/small-business-credit/.

BBB le aconseja sobre la seguridad de los estudiantes: lo que cada estudiante universitario debe saber

9/9/2011

Posted on 9/9/2011 by

Cuando los estudiantes universitarios se establecen en el campus, es posible que luchar contra el fraude no sea su prioridad. Sin embargo, los estudiantes universitarios son susceptibles al robo de identidad y Better Business Bureau les recomienda que tomen siete pasos simples para protegerse en el campus.

En 2010, 8.1 millones de estadounidenses (o el 3.5% de la población) fueron víctimas de robo de identidad según la Encuesta sobre fraudes de identidad de 2011 dirigida por Javelin Strategy & Research y patrocinada por BBB. El costo medio promedio del robo de identidad es de $631 y el tiempo promedio para resolver el fraude de identidad es de 33 horas, que sería tiempo de estudio valioso.

El “fraude amistoso” representa el 14 por ciento de todos los crímenes de robo de identidad. Esto significa que los nuevos compañeros de habitación o nuevos amigos pueden ser tan canallas como los estafadores en el extranjero que se dedican a usurpar identidades en Internet. Y los ladrones de identidad (amigos o enemigos) parecen no tener reparo en revolver los vertederos de basura (o buscar en los contenedores de basura sin vigilancia) en busca de papeles no triturados o incluso en sacar la correspondencia de buzones que no estén cerrados con llave (o de un escritorio). Pueden incluso navegar los sitios de las redes sociales buscando algún dato de interés personal que pueda revelar una gran cantidad de información en algún lugar.

“Hoy en día, no siempre puede confiar en sus pares”, dijo Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Es de suma importancia que los estudiantes estén atentos al control de los estados de cuenta bancarios y de sus tarjetas de crédito para detectar actividades no autorizadas. Regístrese para las alertas de seguridad en sus cuentas y solicite que se las envíen a su teléfono móvil para poder saber si se ha realizado algún cambio en su cuenta”.

BBB les recomienda a los estudiantes que cursarán estudios universitarios tomar los siguientes siete pasos para luchar contra el robo de identidad en el campus:

Envíe el correo confidencial a la casa de sus padres o a un apartado postal. Los buzones de correo de la escuela o facultad no siempre son seguros y, generalmente, son fáciles de acceder en un dormitorio de estudiantes o en un departamento.

Los documentos importantes deben ser guardados bajo llave. Esto incluye su tarjeta de Seguro Social, el pasaporte y los estados de cuenta bancarios y de sus tarjetas de crédito. Triture las ofertas de tarjetas de crédito y todo documento que tenga información financiera confidencial en lugar de simplemente tirarlos.

Nunca preste su tarjeta de crédito o de débito a nadie. Solo diga que no si su amigo quiere tomar prestada su tarjeta o le pide que firme como garantía para un préstamo o para la financiación de un artículo como un televisor.

Asegúrese de que su ordenador tenga un programa antiespía y antivirus actualizado. Siempre instale todas las actualizaciones y los parches en el software del buscador o en el sistema operativo de su ordenador, lo cual ayudará a preservar la seguridad de su ordenador de todo nuevo avance de los ladrones de identidad en línea.

Siempre controle minuciosamente los estados de cuenta de su tarjeta de crédito o débito para ver si existen actividades sospechosas. Cuanto antes identifique un posible fraude, menos sufrirá a largo plazo.

Verifique todo sitio web desconocido con BBB. Busque el sello de Sector empresarial acreditado de BBB junto con otros sellos de confianza; haga clic en los sellos para confirmar que sean legítimos.

Controle su informe de crédito al menos una vez al año. Tiene derecho a un informe gratuito por año de cada una de las tres oficinas de informes: TransUnion, Experian y Equifax. Busque toda actividad sospechosa o error. Puede hacerlo de forma gratuita visitando www.annualcreditreport.com.

Para obtener más información sobre cómo resguardar su identidad, visite www.bbb.org/us/bbb-news.

Recomendación de BBB para hacer transacciones de oro óptimas

9/9/2011

Posted on 9/9/2011 by

6 de septiembre de 2011 (Arlington, VA). Dado que los mercados globales actualmente están viendo un rápido descenso, los inversores preocupados están buscando refugios seguros para sus fondos. Muchos buscan nuevos planes de inversión para ayudar a incrementar su dinero. Con el precio del oro de $1,700 la onza, el más alto de todos los tiempos, Better Business Bureau les aconseja a los consumidores que hagan sus deberes antes de realizar tentadoras transacciones de oro.

Ya sea a través de un sitio en línea, de una “fiesta del oro” en una casa o de su joyero local, muchos consumidores están buscando vender sus joyas de oro para obtener algo de efectivo rápidamente. No obstante, no se puede confiar en cualquier comerciante. Solo en lo que va del año, BBB ya ha recibido más de 500 quejas contra comerciantes de oro, plata y platino, una cantidad que casi alcanza el total de quejas de 2010, de 581.

“Los consumidores deben estar alertas ante estos vendedores de mala reputación”, señaló Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Muchas de las quejas que recibimos provienen de publicidades falsas y cuestiones de entrega, donde el consumidor termina recibiendo una tasación mucho menor de lo que creía que valía su oro”.

BBB recomienda seguir estos consejos para asegurar una óptima transacción de oro:

Busque un tasador confiable. Para una tasación, si es posible, acuda a alguien local a quien conozca y en quien confíe. Siempre verifique con BBB en primer lugar en www.bbb.org. BBB sugiere obtener dos o tres tasaciones para comparar los precios antes de cualquier venta.

Es posible que no reciba el verdadero precio del oro. Si el oro vale $1,700 la onza, no le pagarán $1,700 por cada onza de oro que usted tenga. Pregunte cuánto le pagarán (si es una compañía en línea, asegúrese de pedir los detalles específicos y envíe detalles sobre los artículos que enviará). Debe saber que la cotización de la onza es para el oro puro solamente. Por ejemplo, el oro de 14 quilates está compuesto de solamente el 58,5 por ciento de oro. Pregunte cuánto tasará la compañía cada onza de cada quilate que envíe. Cuantos menos quilates, menor contenido de oro.

No permita que le pesen juntas joyas de oro de distintos quilates. Algunos comerciantes pesan todas las joyas juntas y le pagan el valor de quilate más bajo. Separe sus joyas según el valor del quilate antes de asistir a una “fiesta del oro”.

No permita que nadie le robe los diamantes de las joyas de oro. Los aros de oro redondos simples pueden valer $5 o $10, no obstante, los diamantes en los aros pueden guardarse. Algunos son demasiado pequeños y el trabajo de extraerlos podría superar su valor, pero los diamantes de los anillos de compromiso, por ejemplo, deben cotizarse de forma independiente del oro.

Conozca los términos y condiciones cuando envíe artículos por correo. Cerciórese de que los artículos estén asegurados cuando los envíe, de manera que si se pierden, pueda recuperar el valor. Obtenga tasaciones antes de enviar los artículos, de manera que si se pierden tenga una prueba de su valor. Verifique la política de la compañía en cuanto a qué le reembolsarán si pierden su producto.

Muchas restringen su responsabilidad. Haga una lista de los artículos incluidos en el paquete, conserve una copia y coloque otra copia en el sobre. Tome una foto de los artículos que envía e incluya cualquier marca que pueda identificarlos.

Pregunte sobre la garantía de la compañía si no está satisfecho con el precio ofrecido. ¿Le devolverán su producto si usted devuelve el cheque? Muchas compañías funden los artículos en el término de 10 a 14 días. Si devuelve el cheque, envíelo con "acuse de recibo", de manera de tener una prueba de cuándo llegó a la compañía.

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Periodistas: Para obtener más información o para concertar una entrevista con un vocero de BBB, comuníquense con Kelsey Owen, 703-247-9376.

Acerca de BBB
Como líder en la promoción de la confianza en el mercado, Better Business Bureau es una organización imparcial sin fines de lucro que establece y mantiene elevados estándares de comportamiento comercial justo y honesto. Todos los años, más de 87 millones de consumidores confían en BBB Business Reviews® y en BBB Wise Giving Reports® para que los ayuden a encontrar empresas y organizaciones de caridad confiables en toda Norteamérica. Visite www.bbb.org/us para más información.

BBB Advice for Securing Your Electronics this School Year

9/2/2011

Posted on 9/2/2011 by

As students across the nation make their way back to school, many will carry cell phones, iPads, iPods, laptops and other electronic devices everywhere from the classroom to the car. Better Business Bureau reminds students and their parents to talk about ways to keep electronics out of the wrong hands.

College campuses, cafeterias, local hang outs and even classrooms can be an easy target for those looking to snatch expensive electronic devices. Not only can thieves steal your personal property, they could gain access to sensitive information such as emails, text messages, calendars, photos and even social media network logins.

“Students need to be vigilant when it comes to securing their electronics,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Electronics are a huge investment and they shouldn’t be treated any differently than carrying around a wad of cash.”

BBB offers the following advice to students and parents on how to keep personal property safe at school:

Keep it off the floor. No matter where you are in public — a large study hall in school, a conference, a coffee shop, or a registration desk — avoid putting your electronics on the floor. If you must put it down, place it between your feet or at least up against your leg, so that you’re aware of it.

Leave it at home. In some cases, school districts may have strict policies about students bringing electronic devices to campus. Be sure to find out what is allowed while on campus and in the classroom. Also, determine if you really need your electronics during school hours or if they can wait until you get home.

Get it out of the car. Don’t leave your electronics in the car — not on the seat, not in the trunk. Parked cars are a favorite target of thieves; don’t help them by leaving your property unattended.

Don’t leave it “for just a minute.” Your classmates seem trustworthy, so you’re comfortable leaving your electronics on the table while you go outside for a break. The people at the coffee shop seem nice, so you ask them to keep an eye out while you use the restroom. Don’t leave your laptop, iPad or other tablets unguarded — even for a minute.

Use bells and whistles. Depending on your security needs, an alarm can be a useful tool. Some laptop alarms sound when there’s unexpected motion, or when the computer moves outside a specified range around you. Or consider a kind of “lo-jack” for your laptop: a program that reports the location of your stolen laptop once it’s connected to the Internet.

For more consumer tips and news you can trust, visit BBB’s news center at www.bbb.org/us/bbb-news.

How to Manage Your Business’ Credit Wisely

9/2/2011

Posted on 9/2/2011 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 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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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.

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 Advises Homeowners to be on the Lookout for Fly-By-Night “Storm Chasers”

8/26/2011

Posted on 8/26/2011 by

Arlington, VA – Your home and wallet may take a serious beating when a big storm like Hurricane Irene hits and 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.

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.

Reporters: to schedule an interview with a BBB Spokesperson, contact Kelsey Owen at 703-247-9376.

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

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 (sic) 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.

Better Business Bureau Integrates U.S. and Canadian Operations

8/16/2011

Posted on 8/16/2011 by
(Arlington VA) – The Council of Better Business Bureaus (CBBB) has integrated operations in the United States and Canada, marking the way for an improved customer experience for those who purchase goods and services across the border. The CBBB Board of Directors voted earlier this month on the integration plan, which became effective today. The CBBB is the international headquarters of the BBB system and the governing body that licenses local BBBs and provides support services to increase their effectiveness.

“The U.S. and Canada remain each other’s largest trading partners,” noted Stephen A. Cox, President and CEO of CBBB. “We share the world’s longest undefended border, and our citizens cross the border 200 million times a year. Every day more than $1 billion in goods, services and investments are exchanged between our two nations. We are really one North American marketplace, and the BBB system now reflects that. Not only will it be easier for consumers to check out businesses in either country, it will be simpler for them to file a complaint or resolve a dispute.”

“Given the advances in technology and the globalization of services, it no longer makes sense to maintain two separate systems,” said M. Jean Lemyre, chair of the Canadian Council of Better Business Bureaus (CCBBB). “The vast majority of consumers initially contact BBB through the Internet. Aligning BBB services into one integrated system will be more efficient for businesses in Canada, and will ensure that consumers continue to receive the high quality of services they’ve come to expect from BBB.”

For nearly 100 years, BBB has helped consumers make smarter buying decisions. More than 400,000 businesses meet the organization’s rigorous standards and are BBB Accredited. In addition, BBB maintains information on more than 4 million businesses, and every year helps millions of consumers through free business reviews, consumer tips, fraud alerts, dispute resolution, and consumer advocacy. 1.1 million complaints to BBB were resolved in 2010.

There are 23 standards that local organizations must meet in order to use the BBB name and logo, and to receive services from CBBB. As part of the integration, boundaries were realigned in four Canadian service areas to combine some operations, reducing the total number of local BBBs from 120 to 116 (10 in Canada, 106 in the U.S.)

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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 for more information.

Contact
Contact: Katherine Hutt
571-422-3584
mediahotline@bbb.org

“Escúdese” de la estafa relacionada con la radiación de teléfonos móviles

8/12/2011

Posted on 8/12/2011 by
Los estafadores siempre buscan obtener dinero rápido y ante consumidores preocupados por la exposición perjudicial a las emisiones de los teléfonos móviles, muchos estafadores buscan promocionar "escudos" contra las ondas que causan cáncer. Better Business Bureau (BBB), junto con la Comisión Federal de Comercio (FTC) advierten a los consumidores que estén alerta ante estos denominados “escudos” y les aconsejan a los consumidores que opten por opciones gratuitas cuando se trate de limitar la exposición a las emisiones electromagnéticas de los teléfonos móviles.

Como sucede con muchos otros productos demasiado buenos para ser ciertos, no existe prueba científica de que estos escudos sean realmente efectivos. Si bien siempre es bueno protegerse de posibles emisiones perjudiciales, existen otras formas de hacerlo además de invertir en un escudo para su teléfono móvil. La FTC incluso destaca que estos llamados “escudos” pueden interferir con la recepción de su teléfono móvil.

“Deje que los estafadores sigan con el frenesí de los últimos descubrimientos científicos”, dijo Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Es importante que los consumidores investiguen antes de invertir en cualquier tecnología que sea demasiado buena para ser cierta. La mayoría de las veces, las víctimas terminarán con un producto defectuoso que, generalmente, no hace ningún bien”.

BBB y la FTC aconsejan a los consumidores considerar las siguientes opciones gratuitas para limitar las emisiones electromagnéticas de los teléfonos móviles:

Use el manos libres. Al hablar por teléfono durante mucho tiempo utilice un dispositivo de manos libres, como un auricular, o use la función de altavoz. Para conversaciones breves, hasta puede enviar mensajes de textos, lo que permite una respuesta rápida y mantiene el teléfono alejado de su cabeza.

Espere tener buena señal. Cuando tiene poca señal, su teléfono se esfuerza por funcionar y emite más radiación. Los teléfonos también emanan más radiación al transmitir que al recibir, de modo que incline su teléfono lejos de la cabeza cuando hable y vuelva a acercarlo al oído cuando escuche.

Compare precios. Cuando busque un nuevo teléfono móvil, piense en invertir en uno que tenga bajo índice de absorción específica (SAR) antes de comprar. El SAR, que se mide en vatios por kilogramo de tejido, revela la cantidad de radiación que absorbe el cuerpo mientras se usa el dispositivo móvil. La FCC tiene registro de esta información para teléfonos fabricados en los últimos dos años. Puede encontrar el número de identificación de la FCC en el interior de la carcasa de su teléfono móvil. Legalmente, en los Estados Unidos, un teléfono no puede emitir más de 1.6 vatios por kilogramo.

Para más consejos confiables para el consumidor, visite www.bbb.org/us/bbb-news y para más consejos específicos sobre las emisiones de teléfonos móviles, visite www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

Cómo aprovechar al máximo su dinero para gasolina este verano

8/11/2011

Posted on 8/11/2011 by
El precio de la gasolina ha aumentado por encima de los $4.00 por galón en casi todos los estados del país. Una familia norteamericana promedio con dos conductores paga casi $1,000 más de gasolina por año que hace dos años según el último estudio realizado por Sperling's BestPlaces, gurús de la investigación. Si bien existen medidas prácticas que puede implementar para aumentar el rendimiento de gasolina, Better Business Bureau les advierte a los consumidores que sean precavidos respecto a las afirmaciones sobre el ahorro de gasolina que vacía sus billeteras en lugar de hacerles ahorrar combustible.

Muchos sitios web realizan increíbles afirmaciones sobre diversos dispositivos automotrices de postventa (imanes en los conductos de combustible, dispositivos de purga de aire y accesorios solares) y aditivos para aceite y gasolina que supuestamente aumentan el rendimiento de gasolina para automóviles. La Comisión Federal de Comercio descubrió que muchas de estas afirmaciones son falsas o exageran demasiado.

“Los viajeros de verano deben comparar precios. En la actualidad, muchos teléfonos inteligentes tienen aplicaciones específicas para encontrar los precios de gasolina más bajos de su área”, comentó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Incluso puede considerar la posibilidad de obtener una tarjeta de crédito que le bonifique en efectivo las compras de gasolina”.
Antes de agregar cualquier dispositivo para el ahorro de combustible a su vehículo, consúltelo con su mecánico. Puede terminar con una garantía del fabricante anulada y graves problemas en su motor si agrega dispositivos de postventa a su motor.

La forma en que conduce y el tipo de gasolina que usa para llenar el tanque influyen sobre su gasto en la gasolinera. Ya que se aproxima la temporada alta de viajes de verano, tome en consideración los siguientes consejos sobre lo que puede hacer para ahorrar en el consumo de combustible:

Elija el octano correcto para su automóvil. Consulte el manual del usuario para saber qué octano requiere su automóvil. Tenga en cuenta que a mayor octano, más elevado será el precio.

Mantenga su motor en buen estado. Ciertos estudios han demostrado que un motor que no se encuentra en buenas condiciones puede aumentar el consumo de combustible en un 10% a 20% según el estado del automóvil. Siga el cronograma de mantenimiento recomendado en el manual del usuario: ahorrará combustible, su automóvil funcionará mejor y durará más tiempo.

No deje su motor en marcha en ralentí más de lo necesario. En realidad, un motor se calienta más rápido mientras se conduce. Con la mayoría de los motores a gasolina, es más efectivo apagar el motor que dejarlo en marcha en ralentí durante un período mayor a 30 segundos.

Conduzca de manera más eficiente. Manténgase dentro de los límites de velocidad permitidos. A mayor velocidad, más consumo de combustible. Use el control de crucero cuando circule por autopistas. Esto puede ayudar a mantener una velocidad constante y, en la mayoría de los casos, reducir su consumo de combustible.

Mantenga sus neumáticos adecuadamente inflados y alineados. Los fabricantes de automóviles deben colocar una etiqueta en el automóvil que indique la presión correcta de los neumáticos. Si la etiqueta menciona un rango en psi (libras por pulgada cuadrada), utilice el número más elevado para aprovechar al máximo la eficacia del combustible.

Anticípese a la situación de manejo. Una conducción sin problemas y constante proporciona un mejor uso del combustible. Si puede, evite acelerar o frenar de manera repentina.

Cambie el aceite y reemplace los filtros de aire con frecuencia. El aceite limpio reduce el desgaste causado por la fricción entre las partes móviles y elimina las sustancias perjudiciales en el motor. Su filtro de aire evita que las impurezas del aire dañen los componentes internos del motor.

Para más consejos confiables para el consumidor, visite www.bbb.org/us/bbb-news.

Consiga un empleo, no una estafa: BBB les aconseja a los buscadores de empleo que estén atentos a la creciente cantidad de anuncios de trabajos falsos

8/11/2011

Posted on 8/11/2011 by
¿Busca empleo? No está solo. Con una alarmante tasa de desempleo del 9.2%, según la Oficina de Estadísticas Laborales de EE. UU., muchos buscadores de empleos optan por los avisos de empleos en línea para publicar sus currículums y buscar empleo. Better Business Bureau advierte a los buscadores de empleo que actúen con precaución antes de compartir sus capacitaciones personales y que indaguen sobre los empleos que se encuentran en línea.

Así como Internet ha hecho mucho para facilitar la búsqueda de empleos, también brinda la oportunidad para que los ladrones de identidad y los estafadores se aprovechen de buscadores de empleo impacientes y confiados. Se está volviendo cada vez más común que los estafadores atraigan posibles candidatos con frases como “¡Vuélvase rico rápidamente —sin salir de su casa!”; todo con la esperanza de obtener su información personal. Craigslist, Monster.com, Careerbuilder.com y ahora incluso Facebook son caldos de cultivos para estafadores y personas de igual calaña.

“Los buscadores de empleo deben estar alerta ante posibles estafas. Antes de publicar su currículum en un sitio profesional o buscar información sobre un trabajo, asegúrese de saber con quién está tratando”, afirmó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Muchos estafadores de empleos hacen que los candidatos abran cuentas de depósito directos como parte del proceso de solicitud y hacen que esto parezca parte natural del proceso para obtener una entrevista —cuando en verdad no lo es”.

BBB les aconseja a los buscadores de empleo que estén atentos a las siguientes señales de alarma al realizar sus búsquedas de empleo:

Los correos electrónicos del empleador están plagados de errores gramaticales y ortográficos. La mayoría de los fraudes en línea son cometidos por estafadores que se encuentran fuera de los EE. UU. Su lengua materna por lo general no es el inglés y, a menudo, esto se evidencia en su mal manejo del idioma que puede incluir una gramática pobre y errores de ortografía en palabras comunes.

Correos electrónicos que supuestamente son de sitios web que publican empleos que argumentan que hubo un problema con la cuenta del buscador de empleo. Después de crear una cuenta de usuario en sitios como Monster.com, Careerbuilder.com o Craigslist.com, el buscador de empleo podría recibir un correo electrónico que diga que hubo un problema con su cuenta o que debe seguir un hipervínculo para instalar un nuevo software. Estos correos electrónicos con estafas (phishing) están diseñados para convencer a los lectores de que hagan clic en el vínculo dentro del mensaje para solucionar el problema, pero en realidad los lleva a un sitio web que instalará programas malignos o virus en sus computadoras.

Un empleador solicita demasiada información personal como por ejemplo los números de Seguro Social y cuentas bancarias. A algunos buscadores de empleos les sorprende saber que han obtenido un empleo sin haber hecho ni una sola entrevista. No obstante, cuando el empleador luego solicita información personal para completar la documentación necesaria, surgen las sospechas —y correctamente fundadas. Sin importar el motivo o excusa dada por el empleador, quien solicita un empleo nunca debe proporcionar sus números de Seguro Social ni de sus cuentas bancarias por teléfono o correo electrónico.

Un empleador le ofrece la oportunidad de volverse rico sin salir de su casa. Si bien existen empresas legítimas que permiten a los empleados trabajar desde su hogar, existen muchos estafadores que intentan aprovecharse de ancianos, amas de casa, estudiantes y personas lesionadas o discapacitadas que buscan ganar dinero desde sus hogares. Los buscadores de empleo deben ser extremadamente cuidadosos al considerar una oferta para trabajar desde su hogar y siempre deben investigar la empresa con su BBB en www.bbb.org.

Un empleador le solicita dinero por adelantado. Aparte de pagar un uniforme, rara vez se aconseja que un candidato pague alguna suma por adelantado o realice una compra obligatoria para obtener un empleo. Recientemente, el BBB de Metropolitan Dallas descubrió una estafa en la que se les dijo a los buscadores de empleo que tenían que pagar $64.50 por una revisión de antecedentes antes de tenerlos en cuenta para un trabajo de limpieza. Como era de esperar, luego de pagar la revisión de antecedentes, el buscador de empleo nunca volvió a saber nada de la empresa.

El sueldo y los beneficios ofrecidos parecen demasiado buenos para ser ciertos. El adagio es válido para las ofertas laborales: si el negocio suena demasiado bueno para ser cierto, probablemente lo sea. Los falsos empleadores podrían hacer alarde sobre un posible sueldo excepcionalmente elevado y excelentes beneficios por poca experiencia a fin de atraer a buscadores de empleo ingenuos hacia su estafa.

El trabajo requiere que el empleado transfiera dinero a través de Western Union o MoneyGram. Muchos empleos falsos requieren que el posible empleado cobre un cheque enviado por correo de la compañía y luego transfiera parte del dinero a otra entidad. Las razones para este requisito varían de una estafa a otra. Sin embargo, cualquiera sea el motivo, el cheque se puede acreditar en la cuenta del empleado pero eventualmente resultará que se trata de un cheque falso y el empleado habrá perdido el dinero que le transfirió a los estafadores.

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Periodistas: para mayor información o para programar una entrevista con un vocero de BBB, comuníquense con Kelsey Owen al 703-247-9376.

Acerca de BBB
Como líder en la promoción de la confianza en el mercado, Better Business Bureau es una organización imparcial sin fines de lucro que establece y mantiene elevados estándares de comportamientos comerciales justos y honestos. Todos los años, más de 87 millones de consumidores confían en BBB Business Reviews^® y en BBB Wise Giving Reports^® para que los ayuden a encontrar empresas y organizaciones de caridad confiables en toda Norteamérica. Visite www.bbb.org/us para más información.

BBB aconseja a los propietarios acerca de datos imprescindibles sobre el moho

8/11/2011

Posted on 8/11/2011 by
Muchos propietarios buscan soluciones para enfrentar las consecuencias de las devastadoras inundaciones que han afectado a tantos hogares del país. Si bien solo constituye una pequeña parte del problema de los daños del agua, el moho puede ser un problema molesto y cada vez mayor que, si no se enfrenta rápidamente, puede durar para siempre. Better Business Bureau, junto con la Agencia de Protección Ambiental (EPA) les aconseja a los propietarios que sean proactivos cuando se trata de enfrentar al moho y al mildiú.

A la hora de erradicar el moho, los propietarios pueden elegir enfrentar el problema por su cuenta o consultar con un contratista experto. De cualquier manera, BBB aconseja que es importante que los propietarios investiguen. De acuerdo con la Guía del moho de EPA, los distintos tipos de moho pueden comenzar a crecer en el interior cuando las esporas del moho se alojan en superficies húmedas. El moho puede crecer sobre cualquier tipo de madera, papel, alfombra y alimento.

“En 2010, BBB recibió casi 30,000 consultas sobre exterminadores de moho y mildiú”, informó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Debido a que el moho puede terminar destruyendo cualquier cosa sobre la que se aloje es importante que se actúe rápido y con inteligencia”.

Si bien los propietarios siempre deben evitar manipular y tocar moho sin los guantes adecuados, también se deben tener en cuenta otras medidas. BBB y EPA aconsejan a los propietarios considerar lo siguiente:

Conozca los riesgos y los efectos secundarios. Existen muchos riesgos para la salud relacionados con el moho y su crecimiento. Muchos propietarios pueden experimentar una reacción alérgica y otras afecciones respiratorias cuando hay moho presente en el hogar.

Sea proactivo. La EPA afirma que no existe una forma práctica de eliminar todo el moho y sus esporas en el interior. La forma de controlar el crecimiento del moho en el interior es controlar la humedad. Si nota una fuga en el grifo de la ducha o del lavabo, repárelo de inmediato para evitar el hábitat ideal del moho. Limpie y seque cualquier superficie húmeda o mojada dentro de las 24 a 48 horas para evitar el crecimiento del moho. Ventile todos los baños, las cocinas y otras fuentes que generen humedad para reducir la humedad y evitar el crecimiento del moho.

Elija con inteligencia al escoger un contratista. Algunos exterminadores de moho pueden ser impostores. Es importante verificar la empresa en BBB Business Review en www.bbb.org antes de seleccionar un contratista. Solicite referencias de amigos y familiares y consulte a tres contratistas como mínimo antes de decidirse por uno. Asegúrese de que el contratista tenga experiencia en la limpieza de moho. Compruebe las referencias y pídale al contratista que siga las recomendaciones en Soluciones contra el Moho en Escuelas y en Edificios Comerciales de EPA u otras pautas de organizaciones profesionales o gubernamentales.

Para más consejos confiables, visite www.bbb.org/us/bbb-news.

Blogs comerciales: por qué todos los propietarios de negocios deben tener uno

8/11/2011

Posted on 8/11/2011 by
En la actualidad, entre las publicaciones en Facebook y las actualizaciones de Twitter, parece haber mil y una forma de comunicarse virtualmente. No obstante, lo que muchos miembros del mundo de los negocios ignoran son los blogs. Better Business Bureau recomienda que los propietarios de negocios tengan en cuenta algunas simples estrategias de implementación de blogs para aumentar su visibilidad comercial en la web.

Un blog dedicado a los pensamientos del Presidente o del CEO de una empresa o a una misión empresarial puede servir como una valiosa forma de atraer posibles clientes —y permitirles a los dueños de negocios establecerse como visionarios innovadores en sus respectivos mercados. Los blogs comerciales se pueden vincular desde el sitio web de la empresa, la página de Facebook y la cuenta de Twitter y constituyen una excelente forma de compartir durante más tiempo aquellos mensajes que permiten una reflexión.

Según una encuesta reciente realizada por HubSpot, el 57% de las empresas que usan blogs informaron que obtuvieron clientes de ofertas generadas directamente desde sus blogs. Confirmaron también que las empresas que no tienen un blog pertenecen a una minoría. Desde 2009 hasta 2011 el porcentaje de empresas con blogs creció de 48% a 65%.

Entonces, ¿qué tiene de interesante un blog? “Un blog le ofrece al Presidente o al CEO de una empresa la posibilidad de comunicarse en un ambiente más parecido al diálogo con las personas interesadas”, afirmó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “La cantidad limitada de caracteres y de espacio puede limitar un mensaje en algunos entornos. Un blog permite que se comparta un mensaje completo e incluso que se pueda dirigir a audiencias determinadas”.

BBB recomienda a los propietarios de negocios que consideren las siguientes ideas al implementar un blog para sus empresas:

Una mayor visibilidad siempre es una ventaja. Cuando publica en un blog, obtiene más atención sobre su empresa y aumenta su optimización de motores de búsqueda (SEO).

Al expresar su pasión hace que sus clientes lo noten. Permitirles a sus clientes ver cómo y por qué surgió su empresa y compartir de qué se trata aquello que tanto le gusta hacer es una excelente forma de establecer una conexión con su público. Sin (casi) límites de extensión, un blog es una excelente plataforma para compartir aquello que diferencia a su empresa del resto.

Un blog puede servir como una valiosa herramienta de interconexión. Un blog es un excelente lugar para inspirar a las personas interesadas en su empresa y construir una base de suscriptores. Al darle a su opinión una plataforma y la posibilidad de llegar a otros compañeros creadores de blogs comerciales, puede establecer una conexión sólida de empresa a empresa.

Para más consejos comerciales confiables, visite www.bbb.org/us/bbb-news.

New BBB Resource Helps Businesses Avoid Scams

8/9/2011

Posted on 8/9/2011 by
Has your business been the victim of a scam? Don’t feel bad – we have, too. Just last week, BBB issued a scam alert about a business that is charging for dispute resolution services and then just passing the complaint along to a local BBB, which would handled it for the consumer for free.

Scams used to be aimed solely at consumers who were duped into spending money on goods or services that were never delivered or inferior products that did not live up to promises. Increasingly, businesses are becoming victims of online scams. Copycat websites make it easy to disguise “phishing” operations as a legitimate online presence. With bloggers, Twitter, and unfiltered consumer ratings sites, a business can find itself with a damaged reputation overnight, almost before they know they’ve been hit.

We recently launched Scam Source, which not only includes BBB information on various scams and fraud, but also aggregates information from legitimate online new sources. We want this site to become the first stop for consumers who want to check out an offer that sounds too good to be true. Hopefully, as consumers get savvier about online scams and schemes, we will see fewer companies being victimized, too.

If your company has been the victim of a scam, please let BBB know. Scam Alert includes a simple form you can use to alert us of scams or fraud in your area. Please let us know if you hear of a scam we don’t yet know about, and especially if your company is the victim of a scam. Scam alerts are also included in our e-newsletter, which you can sign up for here.

CFBAI Announces Groundbreaking Agreement

8/9/2011

Posted on 8/9/2011 by
The Council of Better Business Bureaus (CBBB) and leading food companies created the Children’s Food and Beverage Advertising Initiative (CFBAI) to respond to the FTC’s and Institute of Medicine’s 2006 calls for greater self-regulation of food advertising to children as a means to address obesity. Launched in November 2006, the CFBAI aimed to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles through the use of nutrition standards to guide such advertising.

On July 14, 2011, CFBAI announced a groundbreaking agreement in which its participants, who are responsible for the majority of food advertising to children under 12, pledged to use uniform nutrition criteria for foods advertised to children. The result of a year-long effort to improve further 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 the recipes for popular products.

Although the existing company-specific criteria have worked well to drive improvements in products advertised to children, the new uniform criteria have many advantages over the company-specific criteria. Now it doesn’t matter who makes the cereal, yogurt or soup, the products have to meet the same criteria for the relevant product category. The new criteria also are responsive to requests from the White House Task Force on Childhood Obesity, the FTC and others that CFBAI adopt uniform criteria.

The CFBAI and the participants accelerated the time table for completing the new criteria so that CFBAI could include them as part of its comment on a proposal developed by the Interagency Working Group on Food Marketed to Children. The CFBAI’s comment explains how the CFBAI’s criteria are tough, but realistic. In contrast the government’s proposal includes nutrition principles that are so extreme that they are unworkable. The government’s proposal also would apply to advertising to 12 to 17 year olds and would impact adult-directed advertising. For more information visit the CFBAI website.

The successful development of uniform nutrition criteria is the latest in a series of significant program developments. These include a substantial expansion of its already rigorous and far-reaching requirements, harmonization of the definition of “child-directed” advertising, and a large increase in the number of participants. CFBAI continues to evolve and as an example of effective self-regulation, monitors important marketplace developments, creates and implements practical plans to respond to changing circumstances consistent with the CFBAI’s mission, and tracks performance to assess compliance.

St. Louis BBB Leads Campaign Against Fraudulent 'Extended Warranties'

8/9/2011

Posted on 8/9/2011 by
Recently, the St. Louis BBB helped lead a large and integrated effort to address fraudulent business practices in the Vehicle Service Contract industry. Sometimes erroneously referred to as "extended warranties," these contracts often contain provisions and conditions that make it difficult, if not impossible, to collect on repair costs. Working with the Missouri State Attorney General, the FTC, and others, BBB's actions led to the prosecution of some of the largest marketers of vehicle service warranties. As part of its own investigation, BBB recommended the introduction of federal legislation to eliminate certain industry practices.

The Council of Better Business Bureaus (CBBB) is taking a leading role in building the work of the St Louis bureau and advocate for federal legislation. Additionally, CBBB is working to introduce model legislation based on the Missouri law to national state legislature associations. This work is important to CBBB national partners because it targets the worst cases of consumer fraud in an industry and protects the interests of those companies that follow the law and employ fair consumer practices.

CBBB continues to develop new strategies and processes to better integrate its government relations activities with local bureaus and is taking a more proactive role on the federal level to end particularly egregious instances of consumer fraud.

FINRA Foundation and USAA Join BBB Military Line to Bring Financial Literacy and Marketplace Support to Military Families

8/3/2011

Posted on 8/3/2011 by
(ARLINGTON, VA) – BBB Military Line, a financial literacy and consumer protection initiative for military families, gained a new sustaining partner with the announcement that the FINRA Investor Education Foundation will provide additional resources to this important program. USAA Federal Savings Bank has also made a significant commitment to BBB Military Line. These two leading organizations join BBB and McGraw-Hill whose efforts to reach more than 40,000 military families through a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions were included in the First Lady and Dr. Biden’s Joining Forces Initiative.

"By supporting BBB Military Line, the FINRA Foundation and USAA Federal Savings Bank are providing resources directly addressing financial literacy and consumer problems that can overwhelm and distract our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "BBB Military Line has been working with military families for over seven years and with the support of the FINRA Foundation and USAA Federal Savings Bank, more resources will be available to expand this important mission."

“The FINRA Foundation is proud to partner with BBB Military Line to help protect military families from scams that target the military community. BBB Military Line reaches military servicemembers and their families throughout the United States and will provide the military with the tools and information they need to avoid fraud and make smart financial decisions,” said Gerri Walsh, Acting President of the FINRA Foundation.

“We believe the men and women who protect our freedoms deserve financial tools and education, which is why we provided a contribution to the BBB Military Line,” said David Bohne, President, USAA Federal Savings Bank. “We share a common goal and know that financial readiness equals mission readiness.”

###

About BBB Military Line
The Better Business Bureau (BBB) Military Line program, established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBB offices throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information or contact us if your company is interested in supporting this initiative.

Connect with BBB Military Line on Facebook.

BBB Military Line Contacts:

Rod Davis
SVP, Enterprise Programs
703-247-9367 office
rdavis@council.bbb.org

Brenda Linnington
Director, BBB Military Program
703-247-9335 office
Blinnington@council.bbb.org

FINRA Foundation and USAA Join BBB Military Line to Bring Financial Literacy and Marketplace Support to Military Families

8/3/2011

Posted on 8/3/2011 by
(ARLINGTON, VA) – BBB Military Line, a financial literacy and consumer protection initiative for military families, gained a new sustaining partner with the announcement that the FINRA Investor Education Foundation will provide additional resources to this important program. USAA Federal Savings Bank has also made a significant commitment to BBB Military Line. These two leading organizations join BBB and McGraw-Hill whose efforts to reach more than 40,000 military families through a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions were included in the First Lady and Dr. Biden’s Joining Forces Initiative.

"By supporting BBB Military Line, the FINRA Foundation and USAA Federal Savings Bank are providing resources directly addressing financial literacy and consumer problems that can overwhelm and distract our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "BBB Military Line has been working with military families for over seven years and with the support of the FINRA Foundation and USAA Federal Savings Bank, more resources will be available to expand this important mission."

“The FINRA Foundation is proud to partner with BBB Military Line to help protect military families from scams that target the military community. BBB Military Line reaches military servicemembers and their families throughout the United States and will provide the military with the tools and information they need to avoid fraud and make smart financial decisions,” said Gerri Walsh, Acting President of the FINRA Foundation.

“We believe the men and women who protect our freedoms deserve financial tools and education, which is why we provided a contribution to the BBB Military Line,” said David Bohne, President, USAA Federal Savings Bank. “We share a common goal and know that financial readiness equals mission readiness.”

###

About BBB Military Line
The Better Business Bureau (BBB) Military Line program, established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBB offices throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information or contact us if your company is interested in supporting this initiative.

Connect with BBB Military Line on Facebook.

BBB Military Line Contact (s):

Rod Davis
SVP, Enterprise Programs
703-247-9367 office
rdavis@council.bbb.org

Brenda Linnington
Director, BBB Military Program
703-247-9335 office
Blinnington@council.bbb.org

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.

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.

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.

¿Piensa jubilarse en el futuro?

7/18/2011

Posted on 7/18/2011 by
Contar con un plan alternativo para su jubilación es algo muy común en la actualidad. Con los cambios en las normas de jubilación y el hecho de que los empleados están disminuyendo el monto con el que contribuían para su jubilación como empleados, ahora los consumidores se dan cuenta que deben asumir más responsabilidad personal por las finanzas de su jubilación. En esta economía, ¿cómo se asegura de que contará con las finanzas necesarias para tener una jubilación segura?

Según el Departamento de Trabajo de EE.UU. (USDOL, por sus siglas en inglés), menos de la mitad de todos los estadounidenses han calculado cuánto deberán ahorrar para su jubilación. Aunque es importante planificar, también es importante establecer metas realistas, que se puedan lograr. Conozca sus opciones y haga preguntas. Aparte un tiempo para hablar con su empleador sobre los planes de jubilación. Su empleador puede ofrecerle beneficios como los planes 401(k) que permiten un crecimiento en la deducción inmediata de impuestos en sus ahorros.

“Mientras que las generaciones anteriores de jubilados confiaban en las pensiones que proporcionaba el empleador, los trabajadores de hoy deberán confiar en sus propios ahorros personales y relacionados con el trabajo para su jubilación”, dijo Stephen A. Cox, presidente y director ejecutivo del Council of Better Business Bureaus. “Por eso es sumamente importante tener un plan alternativo y ahorrar tanto como sea posible”.

BBB y USDOL recomiendan que los consumidores consideren lo siguiente para garantizar una jubilación más placentera desde un punto de vista financiero:

Un centavo ganado es un centavo ahorrado. Empiece a ahorrar ahora y continúe con su meta de ahorros. Nunca es demasiado tarde para empezar a ahorrar. ¡Realice un presupuesto y úselo! Ahorrar puede ser divertido si piensa en grande y si se da cuenta de cuánto le beneficiará cuando llegue el momento de jubilarse.

Sea realista sobre sus necesidades de jubilación. Según USDOL, los expertos estiman que necesitará casi el 70 por ciento de su ingreso previo a la jubilación; los que tienen ingresos más bajos, el 90 por ciento o más, para mantener su estilo de vida cuando deje de trabajar. El jubilado promedio permanece jubilado durante 20 años de su vida. Planifique con anticipación y familiarícese con el monto que necesitará después de hacer cálculos del Seguro Social y otras fuentes de ingresos de jubilación.

Aproveche los planes de ahorro para jubilación ofrecidos por su empleador. Mientras más y más compañías se vuelven menos generosas con los beneficios de jubilación, algunas todavía le permiten contribuir a un plan 401(k). Si se lo ofrecen, participe. Incluso, puede existir la posibilidad de que su empleador iguale un porcentaje de su contribución. Si su empleador no ofrece un plan, considere invertir en una IRA tradicional o IRA Roth. Puede ahorrar hasta $5,000 al año en una Cuenta de jubilación individual (IRA, por sus siglas en inglés); también puede contribuir aún más si tiene 50 años de edad o más.

No se complique. Evite utilizar sus ahorros de jubilación en la medida de lo posible. Si saca sus ahorros de jubilación ahora, perderá el capital y el interés y es posible que pierda los beneficios de los impuestos o que tenga que pagar multas por hacer el retiro. Si cambia de trabajo, deje sus ahorros invertidos en su plan de jubilación actual o trasládelos a una IRA o al plan de su nuevo empleador.

Para obtener más sugerencias financieras confiables, visite www.bbb.org/us/bbb-news.

Sea “rápido”, mantenga su negocio con astucia y a la vanguardia con los códigos QR

7/18/2011

Posted on 7/18/2011 by
En la actualidad los códigos de respuesta rápida o códigos QR están surgiendo por todas partes. Desde los anuncios de revista hasta las vitrinas de las tiendas, los códigos QR son la manera más rápida de atraer a los clientes conocedores de la tecnología al sitio Web de su negocio. BBB ofrece algunas sugerencias “rápidas” para los negocios que están considerando implementar los códigos de respuesta rápida (QR) en sus negocios.

¿Qué es exactamente un código QR? Estos códigos de barra de dos dimensiones, que se originaron alrededor de 1994, no son exactamente nuevos, pero ahora se utilizan de maneras divertidas, innovadoras y comercialmente habilidosas para atraer a los clientes de todo el mundo.

Con sólo descargar una aplicación gratuita de lector de QR, se puede leer un código QR rápidamente por medio de su teléfono inteligente. Piense en un código de barras que pueda almacenar muchos más datos de los que usted imagina. Ahora piense en todos los lugares donde puede colocar esa pequeña marca: las posibilidades son (casi) infinitas. Un negocio puede utilizar un código QR para mostrar información como la forma de llegar a su negocio, la Revisión comercial de BBB de su empresa o incluso un URL donde el usuario puede hacer clic para recibir un cupón. Incluso puede colocar un QR en su tarjeta de presentación con un vínculo en el QR que lleva al destinatario directamente a su sitio Web. O agregue un QR que contenga su información de contacto, facilitando agregar esa información a un teléfono celular.

“Los códigos QR son una manera divertida de atraer a los clientes al sitio Web o promoción de su negocio”, dijo Stephen A. Cox, presidente y director ejecutivo de Council of Better Business Bureaus. “Puede ser creativo al colocar el código QR en su firma de correo electrónico, permitiendo al usuario ir directamente a su sitio Web. O puede hacer que el código contenga la información de contacto, facilitando al usuario agregarla a su propio teléfono celular".

¿Cuáles son otras maneras de utilizar el código? ¿Existen algunos riesgos? BBB ofrece las siguientes sugerencias “rápidas” a los negocios que están considerando tener un código QR:

¿Dónde mostrarlo? Muchos negocios están utilizando las vitrinas de su tienda, anuncios impresos, tarjetas de presentación, firmas de correo electrónico, playeras, tazas, corbatas y otros productos para mostrar el código QR de su negocio. Algunas empresas incluso están utilizando los códigos para concursos promocionales, lo cual permite una manera creativa de revelar el premio al cliente.

¿Cómo genera su propio código QR gratuito? Muchos sitios ofrecen un generador de QR gratuito que libera un código que se puede copiar fácilmente y que se puede utilizar como patrón para todas sus necesidades del código QR.

¿Existen riesgos? Al igual que con cualquier otro sitio Web, nunca debe utilizar un código QR que se vinculará a un sitio Web en el que usted no confía. Asegúrese de que el sitio Web esté certificado y que el código QR se encuentre en un lugar confiable. Como cualquier otro sitio Web malicioso, los códigos QR pueden dirigirlo potencialmente a un sitio Web perjudicial que puede provocar una infiltración de virus en su teléfono inteligente.

Para obtener más noticias confiables comerciales y para el consumidor, visite www.bbb.org/us/bbb-news.

Los meses de verano presentan los índices más altos de robos: ¿Está segura su casa?

7/18/2011

Posted on 7/18/2011 by
Arlington, Va. – Los meses de verano son la época perfecta para tomar vacaciones. Desafortunadamente, también es la época perfecta para que ocurra un robo en su casa. Según el FBI, los meses de verano de julio y agosto presentan los índices más altos de robos en casas. Better Business Bureau aconseja a los propietarios de residencias, que desean asegurar su propiedad este verano, que investiguen bien cuando elijan un sistema de seguridad residencial.

De acuerdo con un Estudio académico de seguridad residencial y comercial de Temple University, la Electronic Security Association (Asociación de Seguridad Electrónica) (ESA, por sus siglas en inglés) asegura que las viviendas sin sistemas de seguridad tienen 3 veces más posibilidades de ser los objetos de robos que las casas con sistemas de seguridad instalados. (La estadística real varía de 2.2 veces a 3.1 veces, dependiendo del valor de la residencia). Las pérdidas por robos en casas promedian $400 menos en las residencias con sistemas de seguridad instalados que en las casas que no tienen sistemas de alarma.

Aunque ningún sistema hace que su casa sea completamente a prueba de robos, un sistema de seguridad residencial puede reducir las probabilidades de que le roben y puede darle cierta tranquilidad. En 2010, la BBB recibió casi 25,000 consultas de consumidores solicitando información sobre los sistemas de alarma contra robos en casas.

“Es importante investigar la compra de un sistema de seguridad residencial con el mismo cuidado que tomaría para cualquier compra esencial", dijo Stephen A. Cox, presidente y director ejecutivo de Council of Better Business Bureaus. “Hay muchos vendedores de puerta en puerta que venden sistemas de seguridad residencial que no siempre ofrecen lo que es mejor para usted.”

BBB aconseja a los consumidores hacer lo siguiente cuando quieran invertir en un sistema de seguridad residencial:

Elija a un instalador profesional. El mejor sistema de seguridad residencial tomará en cuenta su estilo de vida y objetos de valor específicos que desee proteger. Considere cuidadosamente los requisitos y el presupuesto de su seguridad. También puede obtener una recomendación de la compañía de seguros que protege su hogar. Trate sólo con empresas de buena reputación y verifique primero la empresa con BBB.

Comuníquese con al menos tres compañías antes de seleccionar al instalador. Averigüe si las empresas están debidamente certificadas en su estado y si investigan a los empleados antes de contratarlos. Asegúrese de revisar en el Sitio Web de ESA una lista de las compañías afiliadas en todo Estados Unidos que han aceptado regirse por el Código Nacional de Ética.

Pregunte acerca de todos los cargos por anticipado. Los precios de los sistemas de seguridad residencial variarán, con base en el nivel de protección y tipo de tecnología utilizados, así que asegúrese de comparar las mismas ofertas en sistemas similares. No olvide tomar en cuenta el precio de instalación inicial, así como los gastos mensuales de monitoreo. Además, hable con su agente de seguros; algunos sistemas le permitirán obtener un descuento en las primas para propietarios de viviendas.

Conozca los pros y los contras de su contrato. Si su sistema de alarma va a ser monitoreado, ya sea por la compañía que lo instala o por un centro de monitoreo de terceros, averigüe la duración del contrato. Comúnmente, los contratos de monitoreo duran entre dos y cinco años. ¿Qué recurso tiene si no está satisfecho con los servicios proporcionados? ¿Puede cancelar el contrato? ¿Cuáles son sus derechos si otra compañía de alarmas compra o adquiere su empresa de monitoreo? Estos son los tipos de preguntas que debe considerar antes de celebrar un contrato a largo plazo.

Insista en que el instalador le explique el sistema hasta que comprenda totalmente cómo funciona. Esto evitará el problema más común: Falsas alarmas. Las falsas alarmas son un indicador de la calidad de la instalación de la alarma y la educación del usuario. Solicite una inspección completa de su propiedad y un cálculo detallado por escrito. Revise el contrato de ventas detenidamente para asegurarse de comprender bien qué equipo y protección se le proporcionarán.
Reporteros: Para obtener más información o programar una entrevista con un representante de BBB, comuníquese con Kelsey Owen al 703-247-9376.

Para obtener más sugerencias confiables para residencias, visite www.bbb.org/us/bbb-news.

No sea víctima de un concurso de belleza que podría dejarlo en bancarrota

7/18/2011

Posted on 7/18/2011 by
Muchos anuncios que buscan participantes para un concurso de belleza indican “¡Obtenga grandes premios! ¡Becas! ¡Dinero en efectivo! ¡Conviértase en la próxima supermodelo!” Estos anuncios atraen a los padres de los niños pequeños, a los adolescentes y a otros que están convencidos de que sus hijos tienen lo que se necesita para ser la próxima gran estrella. Participar en un concurso de belleza puede brindar una experiencia gratificante, pero muchas concursantes potenciales se dan cuenta que algunos promotores de concursos no entregan lo que prometen. Aunque existen concursos legítimos, también existen aquellos cuyo único propósito es llenar de dinero los bolsillos de los promotores.

En 2010, Better Business Bureau recibió casi 10,000 consultas de los consumidores acerca de las promociones de los concursos de belleza. “Los concursos de belleza pueden resultar muy costosos”, dijo Stephen A. Cox, presidente y director ejecutivo de Council of Better Business Bureaus. “Antes de que usted sea estafado por miles de dólares, es importante que verifique primero al operador del concurso con la BBB”.
Antes de participar en un concurso, los padres y otras personas que desean involucrarse deberán tomar en cuenta las siguientes preguntas:

¿Por cuánto tiempo ha organizado concursos la empresa? ¿Quiénes son los directores? Por lo general, organizaciones lucrativas organizan los concursos, las cuales buscan participantes por correo o anuncios impresos o por medios publicitarios para competir por el reconocimiento y los premios del promotor.

¿Cuál es el costo total de participación en el concurso tanto para la candidata como para el chaperón? Con frecuencia, se le solicita a la familia o patrocinadores comerciales que paguen una cuota de patrocinio, cuyo monto puede variar, al promotor del concurso para cubrir las tarifas del hotel, premios, costos administrativos y salario del personal de la empresa y para generar las ganancias de la empresa. Además, recuerde que existen otros costos para las candidatas, tales como vestuario, maquillaje, alimentación y hospedaje.

¿Se puede verificar la ubicación (lugar del negocio) de la empresa del concurso? ¿Dónde y cuándo se llevará a cabo el concurso? ¿Qué alojamiento se proporciona a las concursantes? ¿Existirá una supervisión adecuada?

¿Concuerdan todos los detalles? ¿Hay jueces y cuáles son sus calificaciones? ¿Tienen alguna afiliación con la empresa? ¿Se pueden hacer reembolsos si una participante decide retirarse del concurso? ¿Cómo se elige a las ganadoras? ¿Qué criterios se utilizan para la selección? ¿Cuáles son las obligaciones de la participante ganadora? ¿Qué comentan las participantes y ganadoras anteriores acerca del concurso? Pida referencias a la empresa. Por último, ¿qué beneficio obtendrá de participar o ganar?

¿Las ganancias aparentan ser demasiado buenas para ser reales? Si es así, probablemente lo sean. Asegúrese de leer cualquier contrato cuidadosamente y por completo antes de participar en un concurso para comprender los derechos y las responsabilidades de la ganadora o de otras participantes.

Para obtener más sugerencias y noticias confiables para el consumidor, visite www.bbb.org/us/bbb-news.

No sea víctima de cargos inesperados por transmisión de datos por el teléfono celular cuando viaje este verano

7/18/2011

Posted on 7/18/2011 by
En la actualidad, los usuarios de teléfonos celulares están explorando la Web, recibiendo correos electrónicos y viendo películas, todo desde sus teléfonos inteligentes sólo con el clic de un botón en cualquier lugar que se encuentren. Sin embargo, cuando viajan al extranjero, muchos clientes no reconocen que su plan de datos está constantemente en uso incluso cuando piensan que su teléfono no está en uso. Better Business Bureau aconseja a los consumidores que apaguen su teléfono o que hagan los arreglos necesarios de transmisión de datos con su proveedor de telefonía celular para evitar cargos por transmisión de datos por miles de dólares mientras viajan al extranjero este verano.

Tan sólo el año pasado, la BBB recibió más de 27,000 quejas contra la industria de telefonía celular, algunas de las cuales eran de clientes que no sabían que su transmisión de datos todavía estaba en uso mientras viajaban fuera de su área de cobertura o fuera de los Estados Unidos. A un cliente en particular le cobraron más de $1,200 cuando su teléfono celular recibió automáticamente sus correos electrónicos a diario durante una estadía de una semana en Jamaica.

Según la Comisión Federal de Comunicaciones (FCC, por sus siglas en inglés), “roaming” es el término que describe la capacidad de un teléfono inalámbrico para hacer y recibir llamadas fuera del área local de llamadas bajo su plan de servicio. Cuando su teléfono está en modalidad de roaming, una luz indicadora en su teléfono puede mostrar la palabra “roam”. Algunas veces, su teléfono no mostrará un indicador de roaming, aunque esté en un área de roaming. Antes de viajar al extranjero o fuera de su área de cobertura, es importante que los consumidores sean proactivos y se comuniquen con su proveedor de servicio para obtener detalles específicos sobre su transmisión individual de datos y planes de roaming.

“Mientas que los cargos de roaming internacional pueden variar de un proveedor a otro, muchas de las tarifas pueden sorprender a los viajeros”, expresó Stephen A. Cox, presidente y director ejecutivo de Council of Better Business Bureaus. “Para prevenir los cargos de roaming inesperados, comuníquese con su proveedor de telefonía celular para saber qué lugares están cubiertos y cuáles son los planes de datos que puede comprar cuando viaje al extranjero”.

La BBB aconseja a los consumidores que hagan lo siguiente con su teléfono celular y proveedor de telefonía celular al prepararse para un viaje al extranjero este verano:

Apague su teléfono. Si no necesita su teléfono y no tiene planificado utilizarlo durante su viaje al extranjero, apáguelo. Algunos viajeros optan por rentar o comprar teléfonos celulares internacionales. Muchos planes de alquiler ofrecen servicios que funcionan en varios países y pueden proporcionar llamadas entrantes gratuitas.

Comuníquese con su proveedor de telefonía celular. Muchos usuarios de teléfonos celulares saben que no deben hacer llamadas o enviar mensajes de texto mientras están fuera de su área de cobertura o en el extranjero, pero muchos no se dan cuenta que su transmisión de datos está en uso aún cuando piensan lo contrario. Para el viajero ocasional, que no habla tanto por teléfono, puede ser bueno buscar un plan internacional complementario. Su proveedor de telefonía celular puede brindarle sugerencias específicas que satisfagan las necesidades de roaming de su teléfono celular y plan de datos individual.

Invierta en una tarjeta SIM prepago. Para los viajeros frecuentes, que chatean o hacen viajes a largo plazo, invertir en una tarjeta SIM prepago puede ser la mejor opción para reducir los costos. Con acceso a un número telefónico local, usted podrá hacer llamadas telefónicas con la tarifa local del país. Siempre verifique con BBB antes de elegir a un proveedor de servicio internacional. Muchas compañías ofrecen tarjetas SIM que se pueden comprar y pueden incluir llamadas entrantes gratuitas que provienen de cualquier parte del mundo.

Para obtener más sugerencias confiables sobre viajes, visite www.bbb.org/us/bbb-news.

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-food-beverage-advertising-initiative

Is Retirement in Your Future?

7/5/2011

Posted on 7/5/2011 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

7/5/2011

Posted on 7/5/2011 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

7/5/2011

Posted on 7/5/2011 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?

7/5/2011

Posted on 7/5/2011 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 reputable business. 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 making a selection. 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.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.
For more home tips you can trust, visit www.bbb.org/us/bbb-news.

Don’t Fall Victim to a Beauty Pageant that Could Break the Bank

7/5/2011

Posted on 7/5/2011 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

Stars and Stripes sweepstakes scam

6/21/2011

Posted on 6/21/2011 by
Scammers appear to be targeting veterans and military families claiming they have won a sweepstakes from Stars and Stripes, reports Stripes.com.

At least two Stars and Stripes readers have received phone calls recently saying that they had won the newspaper's sweepstakes and asking for money so they can collect their prize, but the newspaper is not running any kind of sweepstakes.

Read more about the scam.

Is rent-to-own a scam?

6/21/2011

Posted on 6/21/2011 by
If you’re struggling either to sell a house or to qualify for a home mortgage, a lease-option or rent-to-own deal may sound tempting, reports MSN Real Estate. In theory, both sides win. The seller gets a series of cash payments and the buyer immediately moves into his dream home, while gaining time to improve his credit score.

But before you consider a lease-option or rent-to-own agreement, make sure you understand the possible pitfalls. One misstep and your dream of homeownership could go up in smoke.

Read the full article here.

Cómo construir una presencia en Facebook que funcione en beneficio de su empresa

6/9/2011

Posted on 6/9/2011 by
Los medios sociales se han convertido en una fuerza dominante a los ojos del consumidor actual. Desde YouTube a Facebook, ahora más que nunca los consumidores están acudiendo a los sitios de redes sociales para conectarse más profundamente con un negocio. El Better Business Bureau aconseja a las empresas que utilicen su presencia en Facebook para su ventaja.

Una página de Facebook puede servir como una manera atractiva de seducir a clientes potenciales, si se la utiliza bien. El primer paso para tener una página de Facebook sólida y exitosa es asegurarse de que su sitio Web esté actualizado y fresco. No cometa el error de que su página de Facebook sea su única presencia en Internet. Una página atractiva de Facebook es una excelente manera de complementar el sitio Web de su empresa.

Según el Human Business Works, el 60% de las empresas estadounidenses no se encuentran en Internet de ninguna manera; un error enorme en una época en la que la mayoría de las personas recurre a los motores de búsqueda para encontrar información sobre empresas. Invertir el tiempo y el poder creativo del cerebro en su sitio Web sirve como una excelente página de aterrizaje para su enlace en Facebook. Como ya muchos se han dado cuenta, Facebook es una gran manera de aumentar su cantidad de seguidores y clientela total y es importante que el mensaje de su página diga todo sobre la eficiencia de su negocio y su marca.

“Las empresas pueden llegar a comprender bien a sus clientes mediante su página de Facebook. La lectura de las respuestas y la participación en su página es un gran indicador de la profundidad y a qué grado una empresa está llegando a su público”, comentó Stephen A. Cox, Presidente y CEO del Consejo del Better Business Bureaus. “No es obligatorio utilizar gráficas y aplicaciones especiales, pero se puede considerar que le dan un poco de colorido y diferencian la página de otras en la industria”.

BBB recomienda lo siguiente a las empresas pequeñas que quieren aumentar su presencia en Facebook:

Mantenga su página fresca, animada e interactiva. Al publicar en Facebook, asegúrese de tener a su audiencia en mente. ¿Qué les gustaría saber y qué necesitan saber? ¿Está ofreciendo alguna oferta, recompensa o promoción especial? Todos los comentarios deben ser positivos y honestos. Considere hacer una encuesta a su audiencia con una pregunta del día o de la semana para mantenerlos comprometidos y que se sientan valorados.

Una imagen (y video) vale más que mil palabras. Asegúrese de mantener la comunicación sencilla y evite hablar a su público. Intente algo diferente agregando imágenes y videos con leyendas divertidas y reveladoras para captar a su público.

Difunda el amor. Al hacerse fan de sus socios, proveedores y patrocinadores, no sólo puede aumentar su propia clientela, sino también ganar más atención a su trabajo.

Comparta la riqueza del conocimiento. Las publicaciones informativas que estén alineadas con su negocio son una buena manera de mostrar a sus seguidores que su empresa está actualizada y sigue las tendencias de la industria.

Para más consejos sobre cómo mantener su negocio exitoso, visite www.bbb.org/us/bbb-news.

Este verano no sea víctima de los vendedores de revistas agresivos en su puerta

6/9/2011

Posted on 6/9/2011 by
Arlington, Va. – Cada año, el Better Business Bureau recibe miles de quejas por parte de consumidores que, sin darse cuenta, compraron suscripciones a revistas por varios años. Los televendedores inescrupulosos a veces engañan a los consumidores para que paguen cientos de dólares por años de suscripciones a revistas que no quieren o que no pueden pagar. BBB advierte que los equipos de vendedores engañosos de revistas a domicilio están ahí afuera y buscando ganarse dinero fácil este verano.

Muchas veces, las presentaciones en la puerta son tan capciosas que los consumidores no se dan cuenta de haber comprado suscripciones a varias revistas hasta que reciben la factura. En el 2011, BBB ya ha recibido 662 quejas respecto a los vendedores y comerciantes de revistas a domicilio, un número que seguramente superará las casi 1.200 quejas del año pasado. Los vendedores agresivos usan tácticas que pueden hacer que cualquiera sea su víctima.

“Con los meses del verano acercándose rápido, es seguro que el clima cálido traerá a su puerta a un grupo entusiasta de tocadores de puertas de todo tipo”, comentó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “La mayoría de las quejas contra los tocadores de puertas que venden suscripciones a revistas alega que los representantes de ventas llevaron su cheque pero que las revistas nunca llegaron, mientras que algunas quejas también alegan que fueron sujetos a tácticas de venta agresivas y engañosas”.

Este verano, BBB recomienda lo siguiente sobre cómo manejar a los vendedores de revistas a domicilio:

Escuche bien y esté atento a las tácticas de venta agresivas. Algunos vendedores a domicilio inescrupulosos lo presionarán para llegar a un acuerdo en ese mismo momento y hasta harán ofertas especiales para atraerlo. Escuche sus tonos. ¿Están subiendo el volumen al hablarle? ¿No le están haciendo caso aunque haya dicho que no está interesado? Busque una manera de terminar la conversación rápido para evitar las presentaciones de venta largas e interminables.

Manténgase firme. No invite a los vendedores no solicitados a ingresar a su casa. En el caso que se permita entrar a un vendedor y durante la presentación decida que no está interesado en comprar, simplemente pídale que se retire. Si el vendedor se niega a irse, amenace con llamar a la policía y hágalo si no se va de inmediato.

Verifique la persona y la compañía. Si usted está interesado en comprar algo de un vendedor a domicilio, obtenga todo por escrito, incluyendo el precio, la garantía y todas las condiciones. Informe al vendedor que lo comprobará y se pondrá en contacto con él. Pida una tarjeta de presentación y su información de contacto. Investigue la compañía y verifique que la persona trabaja para ella. También, tome el tiempo para revisar el BBB Business Review de la compañía en www.bbb.org.

Conozca sus derechos. La regla de tres días (Cooling Off Rule) de la Comisión Federal de Comercio le da al cliente tres días para cancelar una compra que exceda los $25 hecha en su hogar o en un sitio que no sea el domicilio permanente de negocios del vendedor. Junto con el recibo, los vendedores también deben incluir un formulario completo de cancelación que los clientes pueden enviar a la compañía para cancelar el acuerdo. Por ley, la compañía debe reembolsar al cliente dentro de los 10 días desde que recibe el aviso de cancelación.

Las víctimas de ventas de revistas fraudulentas pueden presentar una queja ante el Better Business Bureau en www.bbb.org, ante la policía y la oficina del Procurador General del estado.
Acerca del BBB

Como líder en fomentar la confianza en el mercado, Better Business Bureau es una organización imparcial sin fines de lucro que establece y defiende estrictas normas para la conducta comercial justa y honesta. Cada año, más de 87 millones de consumidores confían en los Business Reviews® y los Wise Giving Reports® del BBB para ayudarlos a encontrar empresas e instituciones benéficas fiables en toda América del Norte. Para más información visite www.bbb.org/us.

Consejos del BBB para evitar las estafas en las bodas esta primavera

6/9/2011

Posted on 6/9/2011 by
Esta primavera, el amor está en el aire mientras muchas novias se preparan para el día ansiado de su boda. Con entusiasmo y nerviosismo, cada novia merece que su gran día transcurra sin problemas. Al prepararse para el día de sus sueños, BBB aconseja a las novias que procedan con cautela cuando se trata de comprar un vestido de novia por Internet, escoger un fotógrafo y seleccionar un coordinador de bodas.

La investigación y la solicitud de referencias pueden marcar la diferencia y ayudar a que su día especial transcurra sin incidentes. Sólo en el año pasado, el BBB recibió más de 970 quejas contra servicios relacionados con bodas. Los servicios como coordinadores de bodas, tiendas para novias, alquiler de autos o limusinas, DJs, fotógrafos, floristas y joyeros encabezaron la lista. Muchas de las quejas más comunes se centraron en la falta de voluntad de la compañía de respetar las políticas de cancelación y reembolso una vez que se pagó un depósito.

Desde escoger un florista hasta encontrar el vestido de novia perfecto, más y más novias optan por tiendas minoristas en Internet. Si bien la mayoría de los sitios son bien intencionados y piensan en lo que es mejor para las novias, es importante reconocer los indicios de problemas antes de desembolsar el dinero.

“Con las bodas actuales que cuestan en promedio más de $28.000, no queda ni un centavo para apostar a proveedores no confiables”, comentó Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Antes de contratar los servicios para su boda y pagar cualquier anticipo, es importante que todos los novios hagan su investigación”.

BBB recomienda que los novios consideren lo siguiente al planificar su día especial:

Investigue a todos los proveedores de Internet. Al decidir contratar a un proveedor online para los servicios o productos para su boda, empiece con un sitio confiable en lugar de hacer compras con un motor de búsqueda. Los resultados de búsquedas muchas veces pueden llevar a sitios Web inescrupulosos o estafas de phishing. Asimismo, busque el sello del BBB y otras “marcas de confianza” bien reconocidas en los sitios Web de proveedores. Haga clic en los sellos para verificar su validez. Confirme que su compra por Internet se haga de manera segura. Busque la “s” después de “http” en la URL o el símbolo del candado en la esquina inferior derecha de su pantalla. Asegúrese de investigar a la empresa con BBB antes de hacer negocios con ellos.

Revise todos los términos y condiciones. Ya sea que esté haciendo negocios con una empresa por Internet o en persona, revise todos los términos y condiciones detenidamente. ¿Cuál es la política de la empresa para reembolsos y cambios? ¿Cuál es su política de cancelación? ¿Qué sucede si la empresa no puede cumplir su parte del acuerdo? ¿Quién realizará el servicio en su día especial? Asegúrese de comprender sus derechos como consumidor antes de hacer negocios con la empresa.

Mantenga la documentación de su pedido. Para los pedidos por Internet, guarde una copia de la página de confirmación o los correos electrónicos que confirman su pedido hasta que reciba el producto o el servicio y esté satisfecho. Si está negociando en persona con una empresa, asegúrese de obtener todos los detalles por escrito, incluyendo las fechas específicas, los productos, precios, políticas de cancelación y de depósito y las firmas de ambas partes.

Pague con una tarjeta de crédito. Las tarjetas de crédito ofrecen a los consumidores la protección adicional de poder impugnar cualquier cargo superior a $50 dentro de los 60 días después de la compra. La mayoría de las empresas establecidas aceptan las principales tarjetas de crédito, así que utilícelas cuando sea posible, incluso para pagar los depósitos. Los consumidores también tienen el derecho de reclamo si aparecen cargos no autorizados en la tarjeta, y muchos emisores de tarjetas tienen políticas de “cero responsabilidad” si alguien le roba el número de tarjeta y lo usa. Nunca transfiera dinero.

Considere la compra de un seguro de boda. El seguro de boda puede cubrir una gama de posibles problemas, incluyendo proveedores que no se presentan, cancelaciones, inclemencias del tiempo, despliegue militar, emergencias médicas, retrasos en los viajes y más. Muchas pólizas arrancan desde los $200 y potencialmente le podrían ahorrar miles de dólares.

Para más consejos para el consumidor en los que puede confiar, visite www.bbb.org/us/bbb-news.

Check Out the BBB Consumer News and Opinion Blog's New Design

6/8/2011

Posted on 6/8/2011 by
CBBB is pleased to announce that today we’ve re-launched our national Consumer News and Opinion Blog.

The new design offers a greatly improved user experience, especially related to content viewing, sharing, commenting and the overall organization of content.

Check it out here: http://www.bbb.org/blog

Let us know what you think!

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.

Location-Based App Intrigues Diverse Marketplace

6/7/2011

Posted on 6/7/2011 by America Monge
Many new marketplace apps are starting up centered around a mobile, location based element. SideSell, which launches Tuesday, offers a mobile, location based listings platform for tickets, garage sales, real estate, and anything else, Mashable reports. The app allows users to see a map of what is for sale nearby and to send messages to listing posters within the app. They can also search other locations to see what is for sale there. By using this app, the consumer is able to view information about certain sale items that are locationally relevant to their position and also enables them to message the people hosting the sale to see if they have a specific item instead of driving around looking for sale signs. Others have created location specific apps in the past, however, their aims have been much narrower such as having only real estate listings or only car rental searches.

To read full article, click here:
http://mashable.com/2011/06/07/online-marketplaces-apps/

Groupon in Grocery Stores via Loyalty Cards

6/7/2011

Posted on 6/7/2011 by America Monge
Groupon is partnering up with a New England supermarket chain to offer deals on groceries, Mashable reports. Subscribers to Groupon will be notified when there is a deal present at Big Y Foods stores and once the deal is purchased it will be credited to their Big Y Foods loyalty cards. Big Y is the first multi-store grocer that the company has partnered with and also the first to integrate Groupon into their loyalty card program. Groupon also recently launched a travel deals service with Expedia, a local ticketing service with Live Nation, and a real-time deals platform.

To read full article, click here:
http://mashable.com/2011/06/07/groupon-grocery-stores/

US Fines Airlines for Omitting Additional Charges

6/6/2011

Posted on 6/6/2011 by America Monge
The federal government has fined Continental Airlines Inc. for advertising ticket prices without clearly disclosing hefty fuel charges that could almost double the fare. A Continental spokeswoman said the violation was the result of a computer programming glitch and the problem was fixed within 24 hours. The Detroit News states that the U.S. Department of Transportation issued a civil penalty of $120,000 against Continental and also announced a $45,000 fine against US Airways. In many of the past penalties issued against airlines, the agency found that the air carriers failed to note — using an asterisk or a website link — that the advertised fares did not include taxes and fees. Last year, the agency issued 18 fines for violations of the law, for a total of $542,500 in civil penalties.

To read full article, click here:
http://www.detnews.com/article/20110606/BIZ01/106060311/1488/BIZ01/U.S.-slaps-airlines-with-fines-for-omitting-charges-in-ads

Nintendo gets Hacked!

6/6/2011

Posted on 6/6/2011 by America Monge
Nintendo makes headlines as the most recent hacker gaming news. The company admitted on Sunday to falling victim to a hacker attack through a server for its U.S. website, luckliy no customer information was compromised. The hacker group LulzSec posted tweets stating that the breach was done "just for fun," the same group claimed to be behind a more serious attack last week against Sony where 100 million user accounts were stolen, Mashable reports. Sony has suffered what most consider to be an embarrassing number of successful cyber attacks. The recent attack on Nintendo raises questions as to whether any site is fully secure against such attacks.

To read full article, click here:
http://mashable.com/2011/06/06/nintendo-hacked/

Avoid Expensive Fees Added to Rental Cars

6/2/2011

Posted on 6/2/2011 by America Monge
Rental cars can be cheap but if you're not informed about certain fees and surcharges you can end up spending much more than you bargained for. Many rental companies load on the fees, that you weren't even aware of, only until after you return the car. KOMONews states some of these fees which include: adding a child safety seat, satellite radio, emergency roadside assistance, or using the E-ZPass to pay tolls. Consumer Reports ShopSmart checked the fees at the nine big rental companies, including Enterprise, Hertz, Avis and Dollar and found that losing the key, adding a second driver, change in drop off location, and not refueling the tank account for the most expensive fees placed upon consumers.

Next time you rent a car be informed of the company's fees and policies in order to avoid hefty fees.

To read full article, click here:
http://www.komonews.com/news/consumer/122981888.html

Toyota Announces Voluntary Prius Recall

6/2/2011

Posted on 6/2/2011 by America Monge
Toyota is announcing a voluntary safety recall for all 2001-2003 models of the Prius vehicles, according to PR Newswire.

There are approximately 52,000 models in the US which need to be recalled and inspected for maladies within the electric power steering pinion shaft and its attachment nuts.

Toyota corporation stated that "if the steering wheel is repeatedly and strongly turned to the full-lock position, there is a possibility the nuts securing the pinion shaft in the steering gear box assembly may become loose. If the vehicle is continuously operated in this condition, over time, the customer will gradually notice significant increased steering effort when making a left turn."

Toyota dealers will install improved nuts that secure the pinion shaft at no charge to the vehicle owner. The repair will take approximately 4 hours depending upon the dealer's work schedule. Owner notification letters by first class mail will begin in early July, 2011.

To read full article, click here:
http://www.prnewswire.com/news-releases/toyota-announces-voluntary-safety-recall-of-certain-prius-vehicles-122923028.html

Find Great Last Minute Hotel Deals with this App

6/6/2011

Posted on 6/6/2011 by America Monge

Many hotel booking sites don't accept last minute bookings too late into the night and if they do, the rates are usually high. Luckily, there is a new hotel-booking app called Hotel Tonight, which may be the fastest hotel booking app around, according to USA Today.

The app allows the user to book a room with only several taps on their handheld device. Hotel Tonight claims to provide hotel deals with savings up to 70%. According to USA Today, in a comparison of four hotels with competitor sites on the same day, Hotel Tonight's rates beat those at websites three times out of four. Hotel Tonight offers city information, things to do, maps, as well as plenty of photos.

However there are some drawbacks to this app including that it is only available to iPhone, iTouch, and iPad users and also that it does not guarantee the room/bed type which is assigned at check-in.

To read full article, click here:
http://www.usatoday.com/money/industries/travel/2011-05-31-hotel-tonight-app_N.htm?loc=interstitialskip

Unemployment Problem Facing Young Veterans Demands Attention

6/1/2011

Posted on 6/1/2011 by
In it's May issue, The Atlantic Monthly reports on the on the unemployment problem facing young veterans.

"Bin Laden was dead and I knew I had to be at Ground Zero.

I wasn't the only one. Hundreds of people, a crush of New Yorkers, tourists, college students, 9/11 first responders, and young Iraq and Afghanistan war veterans, gathered there on an otherwise quiet Sunday night. The atmosphere was respectful and solemn, as far as celebrations go. But while I welcomed the bin Laden news as much as the cops standing next to me did, I felt caught in a sudden turning point: Americans, right before my eyes, were celebrating and closing the book on the wars in Iraq and Afghanistan. I felt numb. My mind shifted to the many thousands of troops still deployed overseas. I thought about the hurdles so many of them would face coming home. Most of all, I thought about the men and women who had never come home and never lived to see this moment."

Read the full article here.

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/.

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.

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 stay 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

Building a Facebook Presence That Works to Your Business' Benefit

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.

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 topping 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.

A Quick Response

5/31/2011

Posted on 5/31/2011 by Carol Odell
What comes from Japan and looks like some kind of an eye test or possibly a quilt pattern? It’s a QR code. That’s short for Quick Response.

A QR code can be read quickly by your cell phone. Think of a barcode that can store much more data than you can imagine. Scan the code with your smart phone to read the data. Simply download an app for free that reads QRs.

You will see QRs in more and more advertisements. A company can use a QR to show you such information as directions to their business, direct you to their BBB Company Report (also known as BBB Business Review), or show you a URL that you can click to receive a coupon. The QR can be placed on shirts, hats, mugs, ties or other products.

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.

Read more: http://southerncolorado.bbb.org/post/a-quick-response-11954

Subway to Start Offering Avocado on Sandwiches

5/31/2011

Posted on 5/31/2011 by America Monge

Subway plans to throw avocado into their offerings and unveil a new avocado sandwich this week, according to USA Today.

Subway chains are known for their "better-for-you" sandwiches, therefore the company is always seeking healthier food options that are a crucial part to its success.

The avocado spread will make its debut in the Turkey & Bacon Avocado sandwich, which will sell for about $7. Customers will also have the option of adding the spread to any other of their favorite sandwiches for about 50 cents to $1 more. On the west coast, freshly sliced avocados will be offered instead of the preservative-free spread.

Many rival fast-casual chains such as Panera, Chipotle, and Quiznos have sold guacamole for some time now.

Are you excited about this?

To read full article, click here:
http://www.usatoday.com/money/industries/food/2011-05-26-avocados-at-subway_n.htm

Winner of BBB's Accredited Seal Photo Contest Announced

5/26/2011

Posted on 5/26/2011 by Greg Hudson
The grand prize winner of our BBB Accredited Seal Photo Contest has been announced. The lucky photographer takes home a brand new iPad 2.

Photos were judged on artistic merit and uniqueness of photo.

1st Place
Tom St. Clair of Cambridge
Prize: iPad 2
Description: This BBB logo was found out the the Cambridge Health Associates office.

2nd Place
Menunell Whitten
Prize: Kindle
Description: Scavenger hunt to find the BBB sign!

3rd Place
Jennifer Apell
Prize: Kindle
Description: n the heart of Harvard Square in Cambridge lies the The Harvard Coop. The Coop proudly displays its BBB accreditation on the front door, and right behind that torch logo you'll find more books than you could read in a lifetime.

New York BBB Featured on NY1.com

5/26/2011

Posted on 5/26/2011 by

The New York BBB was featured in 3 recent stories on NY1.com:

National Moving Month:
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. Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer.
http://www.ny1.com/content/139695/protect-investments-during--national-moving-month

Find Out How Charity Groups Spend Their Donations:
When disaster strikes our urge is to help and to donate… but take a moment to find out about the charity and how they use the dollars donated. http://www.ny1.com/content/139559/find-out-how-charity-groups-spend-their-donations

Avoid Charity Scams By Learning The Lingo
The desire to provide assistance to those in need can be strong so be sure you listen carefully to solicitations made on behalf of charities.
http://www.ny1.com/content/139412/avoid-charity-scams-by-learning-the-lingo

Google Brings Mobile Payment System to Android Devices

5/31/2011

Posted on 5/31/2011 by America Monge

Google is teaming up with MasterCard, Citigroup, and Sprint to launch a new phone based mobile payment system, CNNMoney reported. The project is called Google Wallet and will work by enabling special chips embedded into future Android devices to be used for payments. Rather than swiping a credit card, customers will be able to wave their Android phone in front of a reader to make a payment.

As of now, this system is only available to Citibank customers with the Sprint Nexus S phone. However, Google is continuing the development of Google Wallet so that all Android devices will be able to use the new payment system.

To read full article, click here:
http://money.cnn.com/2011/05/26/technology/google_wallet/?section=money_latest

The Top Performing Sunscreens

6/1/2011

Posted on 6/1/2011 by America Monge
Nice weather allows us to participate in many outdoor activities and with summer right around the corner, it is important to protect oneself from harmful sun rays.

On a test done to reveal the top performing sunscreens, it was found that no one type - spray, cream, or lotion - protected best, according to Consumer Reports. It was also found that the three best buys were: Up & Up Sport SPF 30, No-Ad with Aloe and Vitamin E SPF 45, and Equate Baby SPF 50.

Most of the products tested were found to work excellent against UVB rays and most performed well against UVA rays. Test factors were: durabilty after immersion in water, feel, smell, production of stains on clothing, and protection against ray absorption.

Overall, it is suggested to not rely on sunscreen alone. Wearing protective clothing and limiting time spent in the sun is key for optimal skin health.

To read full article, click here:
http://www.consumerreports.org/health/healthy-living/beauty-personal-care/skincare/sunscreens/best-sunscreen/index.htm

Banks Offer Money Transfers Via Cell Number & Email Address

5/25/2011

Posted on 5/25/2011 by America Monge

Three of the nation's four largest banks are launching a system called clearXchange that allows customers to transfer money from their checking accounts using only a mobile number or email address, reports USAToday. The service is a joint venture between Bank of America, JPMorgan Chase, and Wells Fargo, which plan on eventually creating an industry-wide utility for moving money. This system will be available nationally to customers of these three banks and will be linked to existing accounts. This service is a direct threat to PayPal as it offers similar services without the need to provide additional personal information to other users.

To read full article, click here:
http://www.usatoday.com/money/industries/banking/2011-05-25-banks-cash-transfer-cell-email_n.htm

What to Do About High Gas Prices? There's an App for That

5/25/2011

Posted on 5/25/2011 by Luanne Kadlub
For years, BBB has advised consumers to avoid purchasing gas-saving devices and products and instead use their hard-earned money to fill up their gas tanks.

Although it looks like the dire predictions that gas will hit $5 by summer won’t become reality, it does look like $3.60 per gallon gas will be around for a while. What to do? Rather than purchase products that can potentially harm your engine, look at downloading one or more apps that scout the lowest gas prices in your community or help you plan the best travel routes.

Read More: http://www.moneytalksnews.com/2011/05/16/gas-saving-devices-work/

Your Package Has Arrived!

5/24/2011

Posted on 5/24/2011 by Becky Maier
Have you ever received an email stating your package has arrived, yet you never ordered anything, and you weren’t expecting anything? Typically these types of emails find themselves into inboxes around the holidays, offering tracking information on packages; however the bottom line is the same: it’s a phishing email.

Phishing is a term used when someone is attempting to steal personal information such as credit card details, passwords, or social security numbers through an electronic communication.

Read more: http://pittsburgh.bbb.org/post/your-package-has-arrived-11912

Barnes & Noble Expands Nook Line, Unveils New ereader

5/25/2011

Posted on 5/25/2011 by America Monge
Barnes & Noble unveiled a small touchscreen E-Ink device at a press event in NYC Tuesday, the latest edition to its line of Nook ereaders.

Even though this ereader is priced the same as the Kindle 3, it contains many more advanced features than its competitor, according to Mashable. The Simple Touch Reader sports a touchscreen as opposed to buttons. It also has up to two months of battery life - double than that of the Kindle. The device is substantially smaller than the Kindle at 7.5 x 4.8 x 0.335, and still sports the same 6-inch screen. it weights about 8.5 ounces and has built in Wi-Fi. Also, as an added bonus, Simple Touch Reader owners can customize their screensavers.

To read full article, click here:
http://mashable.com/2011/05/24/barnes-noble-simple-touch-reader/

Apply ASAP for caregiver benefits, VA says

5/24/2011

Posted on 5/24/2011 by

The Navy Times recently reported that the Veterans Affairs Department has begun accepting applications for a new, landmark benefits program for the caregivers of severely disabled Iraq- and Afghanistan-era veterans.

Full benefits, which will include living stipends, won’t be paid until July, but there is a good reason for caregivers to apply as soon as possible: Benefits will be retroactive to the date of application.

Applying for benefits is the first of many steps that will require working with caregiver coordinators at VA hospitals, reports the Navy Times. Other steps involve getting the extent of the veteran’s disability assessed by VA doctors and receiving rudimentary medical training in order to be certified as a caregiver. But for those who qualify, the program promises to improve the quality of life for both the disabled veterans, who will be able to stay at home rather than in a hospital or nursing home, and for caregivers, who often feel overburdened and unprepared to provide lifetime care.

Read the Navy Time's full article here.

Countdown to Extraordinary: 8 Tips for Success

5/23/2011

Posted on 5/23/2011 by

Lance Trebesch, CEO, TicketPrinting.com

The Perfect Product Launch

Your team has completed the product you’ve been waiting for: the top-of-the-line, the crème de la crème, the very object your customers have been clamoring for. This is the real deal, the item that will jump start sales and put your business on the map. You’ve looked it over from every angle, and you have complete confidence in the product. You know it’s perfect.

How can you ensure that everybody else knows?

It doesn’t matter how amazing your product is. If you’re unable to communicate that sense of excitement to existing and potential customers, your launch is compromised. You’ve got to sell the concept before you start selling the product.

Don’t Jump the Gun

While a certain amount of pre-publicity isn’t to be scoffed at, you don’t want to throw too much effort into developing a campaign around a product that hasn’t been completed. You may not realize that your marketing team is grinding their teeth because they’ve been asked to create a campaign for a product when the design team hasn’t even agreed on the specs!

Advance publicity should be intriguing but deliberately vague. Leak a few details. Consider how Apple handles a product launch: fans know that a new phone or iPod is coming, and they know a few features they can expect, but that device isn’t revealed until Apple is really ready to reveal it. Or, recall the introduction of the Segway. A confusing code name and a few tantalizing sketches were enough to start the whole country wondering and waiting for the big announcement.

Social media marketing creates an entirely new angle to advance publicity. Now you can instantly connect with your customer base to create a dialog around what they want. Use crowd sourcing to discover their perceptions and any important thoughts they might have on the concept or the campaign. Collect feedback on those ideas and messages that you have put out, so that you have a good sense of how they’ll be received at the actual launch.

It Takes a Hive to Generate a Buzz

When you’re ready to put that publicity team into action, go full-tilt. Your product launch team shouldn’t be stealing moments from their “real” jobs to try to fit in work on the new product. Create a team that’s dedicated to generating the buzz you need to put this launch on the map. The more resources you dedicate, the more results you’ll see. Put creative minds together and let them take charge.

You’ll want to bring together a variety of talents: personnel from Product Management, Public Relations, Marketing, and Events Management. A designer and a copywriter can help them implement their strategies in visual terms. Assemble a group you can entrust with the task and then give them the autonomy to get the job done.

While you can’t neglect traditional channels, your team should be creating a unique and compelling campaign to be transmitted through social media: the shareable experience. Whether this a viral-style video produced by the team, or clips created by the consumer, shareable content gets the word out. Your team should also create online forums to discuss the product, and moderate those forums regularly. Don’t forget tangibles such as free samples, gift codes or coupons, and information kits.

Under-commit and Over-deliver

It may be tempting to trumpet to the sky that your product is the greatest show on earth, the solution to all your customers’ problems, that it will boost their IQs, increase their earning potential, cure bad breath and clear up their skin, but you probably already know why you shouldn’t do this. Your customers are most likely fairly savvy regarding modern media as well as in terms of understanding the ways in which your product can enhance their lives, and you’ll impress them more when you deliver something that exceeds their expectations, rather than selling an ideal they may or may not agree with.

Pick and choose from among your product’s features. Decide which details everyone really needs to know about, and which should come as pleasant surprises. Give the reviewers something to wax poetic about! If you’ve already said it all, there’s no room for you to go above and beyond. If you say too much, you risk negative feedback from those who may disagree with your assessment. Give the product a chance to speak for itself.

Get It in Writing

While your online campaign may take wing, don’t neglect the power of real world items: your event collateral. In limited areas, printing posters and flyers can help spread the word, as will mailed paper invitations if there is to be a launch party. Small items such as stickers, key chains, bottle openers, mouse pads, small toys, or stress balls can provide a lot of advertisement. Printing details about your product and launch on slightly more expensive items, such as USB drives or T-shirts is a great way to reward early adapters, top vendors, and other important people who have helped to share your message.

Stop, Look, and Listen

From the moment you launch, your team should be monitoring the response. This will allow you to emphasize positive reviews and to deal with complaints as they arise, rather than after they’ve spread across the Internet and become consumers’ primary perception of your product. Refute negative rumors with demonstrable fact. Ignoring this kind of press will only hurt you in the long run. Instead, if the Internet buzz turns unpleasant, create a page reiterating the truth, so that when potential customers Google this so-called fact, they’ll find your response to the allegations.

However, if there is some truth to any negative rumors about your product, you need to take instant responsibility for any failure. If a recall is necessary, it should happen sooner than later. If you can issue a patch or find another way to fix the product, do it! Don’t let it be said that you were aware of a flaw in the product and ignored the problem. Remember, your social media networks and online forums let you hear customer feedback firsthand. Listen and respond.

Do the Math

Just as you took a scientific approach to product development, you should treat your launch with precision. Monitor your networks, survey customers, and keep your eyes on current trends to measure sales impact. Market Mix Modeling remains a powerful tool for gauging performance. Track ROI from materials to consumer use. Capture impressions based on geography and time, along with any other variables that could affect your sales.

Good measurement of consumer response helps you adjust your launch in the right direction if you’re off course, and it lets you know if you’re making the impact that you want.

Ride the Wave

If your initial effort is successful, you should hang tight. Riding the wave doesn’t mean the product will take care of itself. Once a surfer gets on top of a wave, he or she can’t just walk away! Instead, focus your intention on the momentum already generated. Continue to invest in those efforts that have been proven to work for you.

Be sure to recognize your ambassadors. Whether you’ve identified a vendor whose performance has positively affected your launch, or an individual whose influence has provided you with free, unsolicited publicity, let these important players know that you appreciate their efforts. Maintain good relationships with those who have helped make your launch a success and they’ll continue to help you in the future.

You can reduce your marketing budget once word of mouth and positive perception of your brand can be demonstrated to carry the launch long term. You can also cut costs by encouraging remote meetings, communication, and the sharing of information. Continue to manage your networks, allowing the conversation with your customers and your advocates to shape the development of the launch along and guide you through upgrades and new product development.

You’ve worked hard to create your new product.

Putting the same attention to detail into your product launch is the best way to demonstrate your own belief in the product. Use the resources available, monitor feedback constantly, and respond whenever appropriate, and find success!

Harry & David Files Reorganization Plan

5/25/2011

Posted on 5/25/2011 by America Monge
Harry and David Holdings Inc. has filed a joint plan of reorganization in hopes to salvage the company and exit bankruptcy, according to the Portland Business Journal.

Harry and David, a Medford-based specialty foods and gifts retailer, had been experiencing a declining revenue and ownership changes for years now, the Portland Business Journal reported.

The reorganization plan calls for the company to convert $200 million of outstanding public notes into equity in the reorganized company. The company has also secured a $100 million revolving loan commitment to finance operations once they emerge from bankruptcy.

A hearing for the official reorganization plan is expected to take place in June.

To read full article, click here:
http://www.bizjournals.com/portland/news/2011/05/23/harry-david-files-reorganization-plan.html

BBB, DOT Partner to Spread the Word at Work About Need for Safe Driving Policies

5/23/2011

Posted on 5/23/2011 by
By Jill Zuckman, U.S. Department of Transportation

BBB partners with DOT to spread the word at work about the need for safe driving policies. In partnership with the Network of Employers for Traffic Safety (NETS), the U.S. Department of Transportation (USDOT) is calling on businesses across the country to make distracted driving policies an integral part of their employee culture. NETS, which was created by the National Highway Traffic Safety Administration (NHTSA), is an employer-led public-private partnership dedicated to improving the safety and health of employees by preventing traffic crashes.

A strong distracted driving policy helps companies save lives, reduce time lost from work due to accidents, reduce insurance premiums, and save money. The USDOT and NETS created a free tool kit that provides employers with education and awareness activities to help them create distracted driving policies that keep their employees safe. The kit contains materials such as a sample company policy, a sample memo to employees on policy, and a sample company press release.

The campaign materials are easy to use from a planning perspective and filled with meaningful activities that reinforce the campaign’s messages without taking significant time away from the workday. Everything is electronic, designed for distribution with ease, and requires minimal printing. You can get the toolkit at http://trafficsafety.org/dsww-materials.

Microsoft to End Zune at WP7 Event

5/23/2011

Posted on 5/23/2011 by America Monge
Microsoft plans to end the Zune brand for good at the WP7 event, reports TNW. Zune's possible discontinuation is due to the it never finding the market that Microsoft expected for it, however, the platform has matured into a top-notch music solution. For many Windows users, the Zune media playing software is the best application of its genre. The possibility of Microsoft ending the Zune brand has been around for some time, however, other rumors have surfaced stating that Microsoft is not ending the brand instead it is merging it with Xbox mobile and Xbox live.

What do you think Microsoft intends to do with the Zune brand?

To read full article, click here:
http://thenextweb.com/microsoft/2011/05/23/microsoft-set-to-shatter-zune-tomorrow-at-wp7-event-rumor/

CBBB Partners with Attorneys General on Consumer Finance Issues

5/23/2011

Posted on 5/23/2011 by
The regulation and oversight of the financial services industry in clearly is flux and may offer BBB an opportunity to play a greater role in the area. The Fair Credit Reporting Act requires the use of arbitration in some circumstances; stakeholders need more and better local data. The Council of Better Business Bureaus is working more closely with the National Association of Attorneys General (NAAG) around these and other consumer issues and has been invited to participate in one of their meetings later this year.

As part of its new government relations program, the Council participated in the NAAG meeting on consumer protection and the financial services industry. The focus of the meeting was the federally created Consumer Financial Protection Bureau (CFPB) and how the attorneys general can best work with this new agency. The conference offered us an opportunity to meet with over a dozen attorneys general, learn more about emerging consumer issues and discuss new ways in which the BBB can work with AG’s and the new CFPB.

Many speakers at the three-day conference in Charlotte, NC focused on the importance of good local consumer complaint information and “early warning systems” that identify consumer fraud trends and that identify the most egregious financial scams.

Elizabeth Warren, Assistant to the President and Special Advisor to the Secretary on the CFPB, underscored the importance of organizations sharing complaint information regarding consumer financial products and services. She also discussed the increased need for a consistent and enduring framework to share information. The Council will continue to work with NAAG and CFPB to see if there is a more active role we can take within this new framework. Ms. Warren also talked about the role of AGs and other local organizations as “first responders” to developing consumer scams. Interestingly, she mentioned that there may be a greater role for arbitration and mediation regarding the financial services industry and that credit cards, checking accounts and mortgages are more likely to get greater governmental attention.

Holly Petraeus, the Director of the Office of Member Affairs for the CFPB, (and former head of BBB Military Line), told the group that the agency will address issues related to military indebtedness. She highlighted concerns regarding variations in the cost of security deposits around the country; high priced electronics with unfair financing, and military families facing mortgages that are underwater. She noted that more consumer education is needed in this area.

The Council continues to be engaged with the CFPB and other stakeholders on these matters. This work is all going on with the eye toward strengthening the role of the BBB in marketplace issues and finding new opportunities for local bureaus.

When Customer Service is Absent

5/20/2011

Posted on 5/20/2011 by Luanne Kadlub
A friend recently posted on Facebook that she would no longer shop at a local grocery store after routinely being snubbed by cashiers. No greetings, no apology when an item was rung up incorrectly, not even a thank you for shopping that day.

Fed up, my friend is taking her business elsewhere.

I suggested she tell the manager why she won’t be returning. “Would he really care?” she asked.

If he’s at all concerned about his store’s bottom line, he should definitely care. Today’s marketplace is all about relationships. And good customer service – being greeted, being helped, making things right – is part of that equation.

Read more: http://wynco.bbb.org/post/when-customer-service-is-absent-11892

Loopt Partners with Groupon Now!

5/24/2011

Posted on 5/24/2011 by America Monge
Loopt, a check-in app, has now partnered with Groupon Now! in Chicago, reports Techcruch.

The partnership will provide Loopt users locationally relevant realtime deals around them, push notifying them when they are near a deal. What makes this service different is that it will notify users of deals when the app isn't even open. Groupon Now! deals will also appear on the 'Place' pages within Loopt so users can share their favorite relevant deals in the vicinity with friends.

Currently Loopt offers this service only in Chicago, but plans to expand the feature nationwide on both iPhone and Android devices.

To read full article, click here:
http://techcrunch.com/2011/05/20/loopt-beats-groupon-to-notifying-you-of-nearby-groupon-now-deals/

Scams, rip offs and recalls

5/20/2011

Posted on 5/20/2011 by

Verizon Announces First Windows 7 Phone

5/19/2011

Posted on 5/19/2011 by Greg Hudson
Verizon has announced the HTC Trophy will be the first Windows Phone 7 device it will offer starting on May 26. It will retail for $149.99 after a $50 mail-in rebate.

A few of the main phone features include a 1 GHz Snapdragon processor, WVGA 3.8-inch touchscreen, and a 5-megapixel camera with autofocus and LED flash.

Read more:
http://www.prnewswire.com/news-releases/htc-trophy-brings-windows-phone-7-to-verizon-wireless-122227358.html

Tenant Learns the Power of Paper

5/18/2011

Posted on 5/18/2011 by Bob Manista
Do you rent your home? If so, are you happy with your landlord?

Granted, the BBB hears mostly from consumers who are “less than pleased” with somebody. Folks are more inclined to complain than pass along a compliment, whether we’re talking about car repairs or a retailer running out of stock on an advertised item. And maybe there’s something to be said about the unique ire that develops when you faithfully pay rent every month and can’t get the management company to bring in a professional plumber when your toilet does its best Old Faithful impersonation on Christmas morning. There are people who rent a home for the luxury of not having to deal with the repairs that are all-too-often part of home ownership or simple lawn care, and those tenants are the first and loudest to complain when something goes wrong. Shouldn’t they be?

I read a complaint from one such tenant this morning. The brief review of things is that she accepted a home for rent under the agreement that she would pay only half the usual deposit because the house was not cleaned and prepped when she moved in. She says she spent the better part of two weeks cleaning, painting, replacing light bulbs, and making the place livable. Somewhere along the past eighteen months she’s lived in the home without a lease, she claims that the landlord’s plumber hacked a hole in the bathroom wall that has gone unrepaired but somehow resulted in her garage being flooded whenever she does the laundry. The problem has gone unfixed for months, and, adding insult to injury, she received a notice with her “renewal lease” – remember, she claims not to have signed one in the first place – that she owes the management company the other half of the security deposit and needs to either pay up and sign the lease or move out.

Read more: http://oklahomacity.bbb.org/post/tenant-learns-the-power-of-paper-11782

Sony's PlayStation Network Hacked Again

5/18/2011

Posted on 5/18/2011 by Greg Hudson
Just 2 days after Sony began bringing its Playstation Network back online, MCV is reporting that hackers can change users passwords by using a PSN account email and date of birth, two pieces of user info that were obtained in the original hack, according to TNW.

TNW says that the latest hack is likely the work of the same group who performed the orginal hack.

Read more: http://thenextweb.com/industry/2011/05/18/not-so-fast-sonys-playstation-network-hacked-again/

BBB Wise Giving Alliance, Guidestar USA and Independent Sector Launch Charting Impact

5/17/2011

Posted on 5/17/2011 by
Washington, DC — Today the strategic alliance of BBB Wise Giving Alliance, GuideStar USA and Independent Sector announce the launch of “Charting Impact,” a standard framework for creating reports that enable stakeholders to easily and clearly understand the objectives, benchmarks for progress, and impact of nonprofits and foundations. This sector-wide initiative was developed by nearly 200 leaders to help organizations of all types, sizes, and missions convey their efforts to advance the common good, establishing an industry standard for reporting in-depth mission objectives and results. Charting Impact Reports will be made available for public view through www. chartingimpact.org

“One of many benefits for organizations answering Charting Impact’s questions is that it forces deep, meaningful conversations with stakeholders about the impact the organization has made, will make, and how to bridge the gaps,” said Diana Aviv, president and CEO of Independent Sector. “As we refine the process and share our reports we will undoubtedly unleash new possibilities for innovation, collaboration, and for strengthening our work across the sector.”

The cornerstone of Charting Impact is a series of five questions that encourage strategic thinking and the open sharing of ideas, strategies and results within the nonprofit community. Completing a Charting Impact Report will empower organizations to convey their mission, achievements and goals in a way that encourages donors to channel their resources to organizations that best fit their charitable goals; facilitates strategic thinking about mission, practices and how results are measured; and fosters collaboration and idea sharing within the nonprofit community.

“We have long stood for and applied broad accountability standards that cover far more than financial ratios,” said Art Taylor, president and CEO of the BBB Wise Giving Alliance. “By providing charities a place and structure to share information about their effectiveness, Charting Impact extends still further the resources available to help donors make really informed giving decisions.”

The five questions organizations must answer to complete a Charting Impact Report are:

What is your organization aiming to accomplish?
What are your strategies for making this happen?
What are your organization’s capabilities for doing this?
How will your organization know if you are making progress?
What have and haven’t you accomplished so far?

“Charting Impact reports empower organizations to respond to the specific concerns of donors in one thorough, thoughtful format,” says Bob Ottenhoff, President and CEO of GuideStar USA. “For organizations , the introspection required to fill out the report is designed with results in mind: increased financial support from donors responding to tangible measures of progress.”

Nonprofits and foundations can respond to these five questions using an online interface available at ChartingImpact.org. Each response includes a character limit, encouraging careful, example-filled descriptions of the organization’s achievements to clearly communicate with an audience of donors and other investors without inundating that audience with information. Responding through ChartingImpact.org produces a formatted Charting Impact Report that will be shared publicly on ChartingImpact.org, on GuideStar USA or BBB Wise Giving Alliance profiles, and—in the future—with other websites and information sources. Individual nonprofits and foundations can also share their Charting Impact Report on their own websites.

About Charting Impact
Charting Impact is a collaboratively developed, thoroughly-tested framework that focuses on making nonprofit organizations more effective. It encourages strategic thinking about how an organization will achieve its intended impact. Responding to the five questions shares concise information about that organization’s plans and progress with key stakeholders and the public. For more information, visit ChartingImpact.org

About BBB Wise Giving Alliance
The BBB Wise Giving Alliance seeks to help donors make informed giving decisions and to advance high standards among publicly soliciting charities by producing reports that specify whether the charity meets 20 Standards for Charity Accountability. There is no charge to the charity for the accountability evaluation and the resulting reports are available to the public for free at www.give.org.

About GuideStar USA
GuideStar, www.guidestar.org — the premier source of nonprofit data—connects people and organizations with information on the programs and finances of more than 1.8 million IRS-recognized nonprofits. GuideStar serves a wide audience inside and outside the nonprofit sector, including individual donors, nonprofit leaders, grantmakers, government officials, academic researchers, and the media.

About Independent Sector
Independent Sector is a leadership network for nonprofits, foundations, and corporate giving programs committed to advancing the common good. Our nonpartisan coalition leads, strengthens, and mobilizes the sector; we advocate for public policies that fortify our communities; and we create unparalleled resources so staff, boards, and volunteers can further their missions and increase their impact. http://www.independentsector.org/

May is National Moving Month: How to Find a Trustworthy Mover

5/16/2011

Posted on 5/16/2011 by Kelsey Owen
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 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.

Read more: http://www.bbb.org/us/article/bbb-and-amsa-offer-advice-on-avoiding-moving-scams-this-summer-27333

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.

Administrative Coordinator, Interest-Based Advertising Accountability Program

5/16/2011

Posted on 5/16/2011 by
The Council of Better Business Bureaus (“CBBB”), with offices in Arlington, Virginia and New York City, is seeking qualified applicants for a position providing administrative management and support for a new self-regulatory accountability program for online behavioral advertising, based in the Arlington, Virginia office. CBBB’s role in this important industry initiative is to direct the compliance program, including education and outreach to the industry and consumers, monitoring of compliance, handling consumer and other stakeholder complaints, assisting businesses to come into compliance, issuing decisions on non-compliance, and working with government agencies, consumers, and industry on various aspects of the program.

The Administrative Coordinator position provides all levels of administrative and programmatic support to the program and its Director with the goal of promoting the success of the program.

The position is responsible for the following areas:

Developing and managing the overall administrative function including processes, workflows and systems during initial program implementation and ongoing program development.
Responding to consumer complaint sand maintaining accurate records of complaints and responses;
Generating, summarizing and drafting reports from the compliance monitoring databases; the complaint records, and other information sources;
Managing the intake process, calendar and scheduling for B2B challenges or other compliance inquiries, along with gathering information from and communicating with parties during the resulting compliance review process;
Taking part in the research and preparation of decisions, helping to prepare electronic and hardcopy versions of decisions, publishing the decisions, management reporting, presentations and other program communications;
Coordinating with counterparts in the trade associations and other CBBB programs to plan and develop collaborative programs, e.g. education events;
Conducting research and analysis regarding interest-based advertising issues;
Providing assistance and representing the Director as appropriate in communicating and coordinating with internal and external constituents;
Handling project management and creating content for the development and maintenance of the program’s Web site;
Maintaining the record keeping and retention functions both online and in hard copy;
Developing and maintaining working relationships with key members of other parts of the internal organization to share and leverage learning and improvements;
Providing all levels of administrative assistance to the office of the Director and other program team members;
Managing and overseeing all day-to-day accounting, fiscal control, secretarial, and administrative activities of the office, keeping the calendar, preparing correspondence, program documentation, scheduling travel, and coordinating events as required;

Necessary skills include:

Expert knowledge of and mastery using all Microsoft Office programs and related software and other database software, including PowerPoint, spreadsheets, charts and graphs;
A high degree of organizational skill and ability to handle detail.
Strong writing skills and the ability to compose administrative correspondence, responses to consumer complaints and program communications.
Ability to work independently, multi-task, self-start on projects, and interest in developing initiatives to further program development and execution.
Knowledge of the Internet and working experience in the online environment, Web content development experience highly desirable.

Education and/or Experience:

Bachelor’s Degree. Two years administrative experience or a combination of education and experience. Experience in nonprofit organizations preferred. Prior experience with media and advertising issues highly desirable.

This position is located in the Arlington, Virginia office.

Interested applicants should submit a cover letter, resume and salary requirements to hr@council.bbb.org, or mail to Vice President, Human Resources, Council of Better Business Bureaus Inc, 4200 Wilson Blvd, Suite 800, Arlington VA 22203-1838

IT Compliance Analyst, Online Behavioral Advertising Accountability

5/16/2011

Posted on 5/16/2011 by
The Council of Better Business Bureaus (“CBBB”), a leader in self-regulation, is building its Online Behavioral Advertising Accountability team in its Arlington, Virginia headquarters. CBBB’s accountability team is charged with monitoring and ensuring compliance with the Self-Regulatory Principles for Online Behavioral Advertising (“Principles”), adopted by leading industry trade associations to cover the Internet-based advertising industry. Industry education, consumer education, compliance monitoring and remedying non-compliance are all critical elements of the CBBB Accountability Program’s mission. We are seeking an IT Compliance Analyst with outstanding technical and project management skills, combined with a passion for protecting consumer privacy and investigating online advertising practices, and the ability to explain technical issues to a non-technical audience who will bring essential technical expertise and leadership to the team.

Operating in the complex online advertising ecosystem, the position will require knowledge of ad industry practices, detection and forensic analysis, and operational solution design in a time critical environment. The IT Compliance Analyst will provide technical and process direction in the establishment, operation, and on-going improvement of a system to determine and enforce compliance with the Principles. The position is responsible for providing all levels of analysis, project management, and support related to technologies and technical processes utilized by our technical service provider and the issues raised during enforcement activities. The Analyst will work directly with the Program Director and with the Technology vendor which is providing an online monitoring platform, to manage all technology-related functions in conjunction with the Technology vendor. The IT Analyst must have the ability to detect when a business is out of compliance with the Principles and know how to provide the team with forensic evidence of non-compliance sufficient to build a compliance inquiry. The IT Analyst must also have the ability to interface successfully with the outside vendor and with other trade associations, privacy stakeholders and government agencies on technical matters.

Primary Responsibilities:

Work with the Program Director and Technology vendor to define strategies and processes for monitoring industry compliance with the Principles.
Establish technical and operational work requirements for the Technology vendor to obtain and deliver monitoring results. Work with the Technology vendor and the accountability team to leverage available data in efficient formats through easy-to-use UI’s.
Provide technical analysis of compliance reporting and evidence received from all sources and investigate additional required data.
Assist the Program Director in developing evidentiary standards and guidelines for dispute resolution and industry education.
Assist in drafting and publishing decisions assessing compliance of entities subject to inquiries.
Monitor changes in technology, industry practices and regulatory investigative processes in online behavioral advertising. Assist the Program Director and Technology vendor to make appropriate changes to accountability policies, standards, processes and practices.
Work directly with CBBB CIO and team to define program infrastructure requirements and to ensure on time development and delivery of IT systems and processes, including Web site communications, to support Program processes.

Basic Requirements:

Advanced Degree in Computer Science or a technology related behavioral science discipline with 2+ years experience in web ops, ad ops, or ad serving preferred.

Attributes include:

Knowledge of and experience with web operations and HTML, Java Script and XML
Knowledge of and experience with network analyzer programs, and browser tools that scan for online data collection technologies, e.g. Ghostery, TrackerWatcher, PrivacyChoice etc.
Knowledge of ad servers and third party creative tags and tracking pixels (Doubleclick, Dart, DFP, Atlas, etc.) strongly preferred
Knowledge of the online behavioral advertising industry preferred
A quick study in web technologies with a deep curiosity, and the ability to identify new processes employed by interest-based advertisers
Ability to act independently and as a team member in a time critical environment
Strong written, presentation and analytical skills and attention to detail
Strong interpersonal and communication skills and proven ability to work effectively with all organizational levels
Ability to handle multiple assignments with effective resolution of conflicting priorities.

This position is located in the Arlington, Virginia office. Moderate travel will be required.

Interested applicants should submit a cover letter, resume and salary requirements to hr@council.bbb.org, or mail to Vice President, Human Resources, Council of Better Business Bureaus Inc, 4200 Wilson Blvd, Suite 800, Arlington VA 22203-1838

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 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.

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

Senate plans hearing into for-profit colleges' military recruiting

5/13/2011

Posted on 5/13/2011 by
The Washington Examiner recently reported that U.S. senators scheduled a hearing to examine Defense Department tuition programs for service members. Service men and women are increasingly subject to abusive practices from colleges that want to take advantage of the federal funding.

Sen. Thomas Carper, D-Del., said he has serious concerns about oversight of the Defense Department's tuition aid program and its ability to guard itself against abuse from schools,particularly for-profit colleges and universities.

Facebook Tightens Log-in Verification Process

5/16/2011

Posted on 5/16/2011 by America Monge
Facebook users can now have a more secure log-in to their accounts as Facebook tightened the log-in verification process, reports PC World.

By activating the new feature in the security section of the account settings page, the user will have a new security feature integrated into their login procedure called Log-in Approvals. The two-step process involves entering a username and password along with a numeric verification code sent to the user's mobile phone.

Facebook sends the code as a SMS message when a log in attempt is made from a device that hasn't been saved as an 'approved one.' Failure to enter the correct code results in the user being locked out, preventing hackers from gaining access to the account.

To read full article, click here: http://www.pcworld.com/businesscenter/article/227786/facebook_tightens_login_verification.html

Steer Clear of iPhone 5 Scams on Facebook, Twitter

5/16/2011

Posted on 5/16/2011 by America Monge
With many curious consumers anxiously awaiting the debut of the iPhone 5, social media scammers are taking full advantage and baiting victims with promises of an "inside look." It is important to exercise restraint when random links pop up around social media networks, reports Macgasm.

Many scam links have been surfacing on Facebook promising to "expose" the iPhone 5 for the first time and once you click the link and fill out a captcha, the website posts the exact same thing
on your wall for all of your followers/friends to see.

Other scams include filling out surveys in order to reveal the "first look" of the phone. Therefore, if it seems fishy, it most likely is. It's only a matter of time until one of these links takes you to a malware infested website.

To read full article, click here:
http://www.macgasm.net/2011/05/13/watch-iphone-5-scams-facebook/

Checking Out a Business the First Step to a Done Deal

5/13/2011

Posted on 5/13/2011 by Luanne Kadlub
Whether you’re buying a used car, remodeling or hiring a lawn service, you need to do your homework before signing on the dotted line. And you need to beware of signs that perhaps you should continue shopping.

Start by checking out the business with your Better Business Bureau. Our Business Reviews tell you how long the company has been in business, its location and contact information, owners and/or managers, if there have been complaints, and the company’s BBB rating.

But don’t stop there! Get names of references and call them to ask if they were pleased with the service or product provided. Ask if they worked well with the business and, if there were problems, what the contractor or company did to solve them. In the case of work done on a home or business, ask to see the completed work.

Read more: http://wynco.bbb.org/post/checking-out-a-business-the-first-step-to-a-done-deal-11740

BBB Featured in The Hansen Files on "Dateline" this Sunday

5/12/2011

Posted on 5/12/2011 by
This Sunday, May 15th at 7pm ET/6pm CT, “Dateline’s” Chris Hansen files go undercover after using the house of a couple in Phoenix, AZ.

With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover how easily a homeowner can end up spending hundreds, even thousands of dollars on unnecessary home repairs. This brazen scam—one that has thrived for more than a decade—cons thousands of homeowners out of millions of dollars.

“It’s so important to shine a light on how common it is for homeowners to be taken by unethical service professionals who don’t honor their promises,” said Matthew Fehling, president and CEO of the Better Business Bureau serving Central, Northern and Western Arizona. “When you’re looking to invest in a home project, it’s worth it to take your time and find a company you can trust. Keeping consumers educated and informed on these issues is our priority.”

Equipped with hidden cameras from top to bottom, watch as repairmen are put to the test to see if they can make a fix quickly, honestly and efficiently.

Follow @datelinenbc and @chrishansen for more on #TheHansenFiles and for a sneak peek, go to http://www.msnbc.msn.com/id/3032600/vp/43008066#43008066

Don't Miss: BBB Featured in The Hansen Files on "Dateline" this Sunday

5/12/2011

Posted on 5/12/2011 by Greg Hudson
This Sunday, May 15th at 7pm ET/6pm CT, “Dateline’s” Chris Hansen files go undercover after using the house of a couple in Phoenix, AZ.

With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover how easily a homeowner can end up spending hundreds, even thousands of dollars on unnecessary home repairs. This brazen scam—one that has thrived for more than a decade—cons thousands of homeowners out of millions of dollars.

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

5/12/2011

Posted on 5/12/2011 by Kelsey Owen
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.

Read more: http://www.bbb.org/us/article/bbbs-secure-your-id-day-shreds-nearly-a-million-pounds-of-materials-acro-27214

Scam Alert - Check the Check

5/11/2011

Posted on 5/11/2011 by Carol Odell

Con artists are good at making fake checks. Just ask the thousands and thousands of people who have been scammed.

How do you protect yourself? Sid Kirchheimer explains in his article “Reality Check” in the May AARP Bulletin. He gives nine ways of spotting those alluring, deceptive checks. Kirchheimer tips are worth repeating, which I will do. He also is the author of Scam-Proof Your Life, if you want more information.

Keep in mind; if you cash a counterfeit check, you are responsible for the money drawn from that deposit. You can’t walk away without consequences.

Edges. Legit checks generally have at least one perforated or rough edge.
Bank logo. There should be a logo and it shouldn’t be faded.
Bank address. A bank wouldn’t use just a post office box.
Check number. There should be a check number in the upper right hand corner and it should match the check in the MICR line. The MICR line is at the bottom of the check and has the bank routing number and the check number.
Amount. It’s usually less than $5,000 so that the bank sends the “check” through in a few days. Larger checks have a longer holding time.

BBB Military Line, McGraw-Hill Host Survey

5/11/2011

Posted on 5/11/2011 by Greg Hudson
As partners in the Joining Forces National Initiative, The McGraw-Hill Companies and BBB Military Line hosted a survey to help in guiding their effort and determining the most relevant subject matter for a new website they are creating. The site will be a comprehensive and military community focused Financial Literacy and Consumer Education portal.

We invite you to take the survey here.

BBB’s “Secure Your ID” Day Shreds Nearly a Million Pounds of Materials Across the Nation

5/10/2011

Posted on 5/10/2011 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.bbb.org/us/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.

Plans for High-Speed Rail Include 15 States

5/9/2011

Posted on 5/9/2011 by Greg Hudson
The $2 billion that Florida turned down to build high-speed rail service is now going to Amtrak and rail projects in 15 states, according to USA Today.

Most of the money -- almost $800 million -- will be used to increase speeds from 135 mph to 160 mph on heavily used tracks in the Northeast U.S.

Another $404 million will be used to expand high-speed rail in the midwest between Chicago and Detroit, which is expected to save passengers 30 minutes in travel time.

Is this a service you would use?

Read more: http://www.usatoday.com/money/economy/2011-05-09-high-speed-rail-money_n.htm

You Still Have Time to Enter Our Contest

5/9/2011

Posted on 5/9/2011 by Greg Hudson
Have you entered our contest to win a brand new iPad 2? It's super easy to enter!

Just take a picture of the BBB seal wherever you can find it and enter our contest!!

For more on the rules and how to enter click here: http://www.facebook.com/pages/Better-Business-Bureau-US/25368131403?sk=app_95936962634

Spam Your Mom This Mother's Day

5/6/2011

Posted on 5/6/2011 by America Monge
Have you thought about what you're getting your mom for Mother's day yet? How about some spam! Moms are the biggest spammers out there, whether it be a chain letter, animal videos, or pictures of strange sites around the world, we all get at least one every week if not everyday. Therefore why not send some spam back to her for mothers day!
Mom Spam is a website that lets you choose what kind of spam you want to send your mother and how often to send it, according to Mashable. If your mother is the type that is interested in taking all these quizzes and looking at bizarre photos, then this would be the perfect gift for her.

What are you planning on getting your mother for Mother's Day?

To read the full article, click here:
http://mashable.com/2011/05/06/mom-spam/

Don’t Get Duped By Phony Debt Collectors

5/6/2011

Posted on 5/6/2011 by Becky Maier

The job of a debt collector is to reclaim funds on past-due accounts on behalf of individuals, creditors, or businesses. Unfortunately, sometimes the “debt collector” is a scam artist and is trying to steal your identity. They use threatening tactics and often times harass consumers. Before giving any of your personal information to a debt collector, your BBB recommends the following advice:

Make sure they are legitimate. Ask for the debt collector’s name and contact information to research the agency further. Check with the BBB at www.bbb.org to see what information we may have on them. Check to make sure the representative who called is indeed affiliated with the agency. Also call the agency using a phone number from a public or online directory.
Request written proof of the debt you owe. 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.
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.

Sony to Offer Free Protection Program to Customers

5/6/2011

Posted on 5/6/2011 by America Monge
After the massive data breach at Sony Corp.'s Playstation Network, it will be offering free ID protection plan to all affected customers, which will be free for 12 months after enrollment, according to ABC News.

An email will be sent out in the coming days with instructions on how to enroll in the AllClear ID Plus program by Debix Inc; customers will have until June 18 to sign up for the program.

To read full article, click here:
http://abcnews.go.com/Technology/wireStory?id=13545502

Are You Considering a Direct Selling Opportunity?

5/6/2011

Posted on 5/6/2011 by
Millions of people in the U.S. and around the world find that direct selling fits their unique lifestyle. Whether you’re looking to supplement your income on a part-time basis or want to work full-time building a direct selling business, finding the right opportunity is important. The Direct Selling Association recommends the following tips to get started:

Identify a company and product that appeal you. Many direct sellers are customers of the company prior to signing on as a consultant, so identifying potential matches is fairly easy. For a place to start, visit www.dsa.org for a list of some of the leading direct selling companies.

Take your time deciding. There’s no rush to get started, so relax and make sure your decision is the right one. A great opportunity won’t disappear overnight.

Ask questions. Do some research to learn about the company, its leadership and its products or services. Ask about the start-up fees, realistic costs of doing business, average earnings of distributors, return policies, and anything else you may be concerned about. Don’t hesitate to contact the company directly if you have additional questions.

Ask for copies of company materials about the opportunity and read them. Be informed.

Consult with others who have had experiences with the company and its products. Verify the products or services are actually being sold to consumers.

Investigate and verify all information. Do not assume that “official looking” documents are accurate or complete or even produced by the company, as opposed to the person trying to recruit you. If anything seems like a red flag, be sure to check it out.

Check the company out. Check to see if it is a member of the Direct Selling Association (DSA). DSA members have pledged to abide by and uphold the DSA Code of Ethics, which is designed to protect both customers and those who sell the company’s products. In addition, contact your local Better Business Bureau, state attorney general or consumer protection office to inquiry about the company.

Are You Considering a Direct Selling Opportunity?

5/6/2011

Identify a company and product that appeal you. Many direct sellers are customers of the company prior to signing on as a consultant, so identifying potential matches is fairly easy. For a place to start, visit www.dsa.org for a list of some of the leading direct selling companies.

Take your time deciding. There’s no rush to get started, so relax and make sure your decision is the right one. A great opportunity won’t disappear overnight.

Ask questions. Do some research to learn about the company, its leadership and its products or services. Ask about the start-up fees, realistic costs of doing business, average earnings of distributors, return policies, and anything else you may be concerned about. Don’t hesitate to contact the company directly if you have additional questions.

Ask for copies of company materials about the opportunity and read them. Be informed.

Consult with others who have had experiences with the company and its products. Verify the products or services are actually being sold to consumers.

Investigate and verify all information. Do not assume that “official looking” documents are accurate or complete or even produced by the company, as opposed to the person trying to recruit you. If anything seems like a red flag, be sure to check it out.

Check the company out. Check to see if it is a member of the Direct Selling Association (DSA). DSA members have pledged to abide by and uphold the DSA Code of Ethics, which is designed to protect both customers and those who sell the company’s products. In addition, contact your local Better Business Bureau, state attorney general or consumer protection office to inquiry about the company.

What to Expect if You’re Considering Direct Selling

5/6/2011

Posted on 5/6/2011 by
Direct selling companies offer more than 70 product and service categories – everything from health and beauty items, apparel and accessories to cookware, wine, pet products, gardening items and so much more. In fact, just about every consumer product or service is sold via direct selling somewhere in the world.

How do you decide if direct selling is for you? Experienced direct sales representatives will tell you that to be successful, you need to choose a product or service in which you really believe in and that you would use yourself. Ask yourself the following questions:

Does the company stand behind their products?
Am I attracted to the company’s mission, message and lifestyle?
Can I see myself selling the product or service?

If the answer to these questions is “yes,” then direct selling just might be the right choice for you.

Direct selling can offer you the flexibility to set your own hours and the opportunity to meet your personal and financial goals. But keep in mind that self-discipline and a strong personal work ethic are key strengths you’ll want to develop.

Training is essential to running a successful direct selling business. But, how do you receive the training you need? How do you learn about the products? Learn how to manage your time? Learn the ins and outs of selling when you’ve never sold anything before? The “learn as you earn” factor is a great benefit of a direct selling business. Successful companies have created training and skill-building programs that are often as close as the click of the mouse. Online training, peer training, DVDs and supplemental materials are often provided to guide you.

The training that comes along as part of a direct selling experience is particularly important when it comes to making representations about the company, its products and services, and the expectations one might have when considering a direct selling opportunity. There are a number of federal laws that address issues such as earnings claims, product claims and a variety of other issues related to direct selling. As a representative of the company, it’s important for sellers to understand what they can and cannot say about a company and its products.

As with any business, it is important to build trust with your customers. Presenting complete and accurate information is critical – stretching the truth or omitting important information to make a sale or recruit a new person is not worth the risk of losing a customer or violating the law.

What else can you expect when becoming a direct seller?

A more fulfilling work experience;
Low starting cost;
Team support;
Recognition for achievements as you climb the ladder; and
Rewards for your success.

For a place to start, visit www.dsa.org for a list of some of the leading direct selling companies.

Should You Trade in Your Car Because of $4 Gas?

5/5/2011

Posted on 5/5/2011 by Greg Hudson
With gas at or near $4 a gallon depending on where you live, you may be wondering if it's time to trade in your vehicle for a smaller, more fuel-efficent car. But ... should you?

According to USA Today, there are 2 important things to think about:
- What will you really save at the pump? If the new car is not much more fuel efficient, you really won't be saving that much.
- The cost of trading. How long will it take you in pump savings to get back the cost of the new car?

Read more: http://content.usatoday.com/communities/driveon/post/2011/05/how-to-figure-if-4-gas-makes-it-worth-trading-your-gas-guzzler/

Tips for Finding the Right Florist for Mother’s Day

5/5/2011

Posted on 5/5/2011 by Becky Maier

Mother’s Day is just around the corner and each year thousands of people will place flower orders for the special day. Your BBB is warning consumers that not all online florists are the same! While some people are extremely happy with their online floral purchases, others find themselves disappointed when the flowers don’t arrive on time, or don’t arrive at all.

Your BBB offers the following tips before ordering Mother’s Day flowers online:

Read the fine print. Consumers should make sure to read the terms and conditions before making any online purchase to avoid any unpleasant surprises. Find out is there are additional delivery fees or charges for canceling your order.

Start with trust. Check out the company with BBB at www.bbb.org to see what other consumers’ experiences have been. You may end up saving yourself a lot of grief and disappointment.

Allow time for shipping. Check with the retailer 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.

How Can You Avoid Identity Theft?

5/5/2011

Posted on 5/5/2011 by Carol Odell

When you pulled back the curtains this morning and got a glimpse of spring you might have envisioned taking some long walks to experience that refreshing air and the colors that are starting to pop.

Use caution, if you are thinking about driving to a trailhead, parking, and then jaunting off. Thieves are aware of what you are thinking. They will be waiting to pounce once you have left your car. In fact, I’m hearing that car break-ins and theft activity has increased recently.

Putting your purse or wallet in the trunk won’t keep you safe. Thieves break the front car window and pop the trunk. Now they have what they need to steal your identity.

How can you avoid identity theft? Leave certain information at home when you are hiking.

Never carry your social security number with you.
Carry your medical insurance card with you on your walk.
Don’t have it in your purse or wallet that you leave in the car.
Medical ID theft is the newest wave of identity theft.
Leave your checkbook and credit cards at home.
Remove subscription magazines from your vehicle. Bar codes can tell volumes about you. When you are home, shred those bar codes.
Keep mail with personal information at home. Don’t carry it around in your car.
Hide your garage door opener. Thieves can find your address by looking at your car registration and proceed to your house with the garage door opener. Wouldn’t be hard to take your valuables while you are hiking.

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.

Steer Clear of Bin Laden Scams

5/4/2011

Posted on 5/4/2011 by Greg Hudson
The recent death of Osama bin Laden has brought spammers out of hiding and has them targeting consumers with spam emails, websites and social networking posts containing malware.

How to protect yourself:

DO NOT click on Facebook or Twitter links that promise photos/videos of Bin Laden that are from unknown or suspicious domains.
DO NOT click on links in search results unless the website is a trusted source.
Don't fill out surveys looking for personal info that promise something free celebrating Osama bin Laden's death.

Grape Tomatoes Recalled Due to Salmonella Risk

5/4/2011

Posted on 5/4/2011 by Becky Maier
Six L's, a Florida based company has issued a recall for grape tomatoes, stating they may contain salmonella. The recalled tomatoes were “Cherry Berry log code DW-H in either in clam shells or 20 lbs. cardboard containers.” The tomatoes were sold in North Carolina, South Carolina, Alabama, Florida, New Jersey, New York, Michigan, Pennsylvania, California, Georgia and Canada.

Consumers who have purchased the specific lot of grape tomatoes should not eat them and should return them to the place of purchase for a full refund. Consumers with questions may contact Six L's at 877-606-1821, ext. 3955, 24 hours a day 7 days a week.

Read more: http://pittsburgh.bbb.org/post/grape-tomatoes-recalled-due-to-salmonella-risk-11515

Bed Bugs Check Out Books, Too!

5/4/2011

Posted on 5/4/2011 by Luanne Kadlub
Bed bugs and books. A scary combination. I never gave it a thought until one night I turned a page in a used book and out came three bugs. Again, didn’t give it much thought – they were petrified, after all – until I couldn’t get the image of the bugs out of my head.

A late-night check on the computer confirmed my worst fears: bed bugs.

Books and bed bugs, it seems, are not that uncommon. A couple years ago the Denver Public Library had to quarantine a section of historic books contaminated by a library patron and ended up destroying many of those books. Similar scenarios take place at libraries nationwide.

So how did the bed bugs get into the book I was reading? They could have come from a reader whose home was infested or the previous reader may have taken the book on vacation and the little critters decided to do some traveling themselves.

Some avid readers now eschew print books altogether for electronic readers. But if you are among those who will continue to buy used books online and at garage sales, you might want to take precautions. Start by buying your books from a dealer you can trust, such as BBB Accredited Businesses.

Read more: http://wynco.bbb.org/post/bed-bugs-check-out-books-too-11465

New Lottery Scam Fraudulently Claims to Be From Council of Better Business Bureaus

5/3/2011

Posted on 5/3/2011 by Kelsey Owen
Better Business Bureau warns that a new scam is fraudulently using the organization’s name in order to steal tens of thousands of dollars from victims who are led to believe they have won a lottery. BBB has been notified an individual was contacted over the phone by someone claiming they were with the Council of Better Business Bureaus (CBBB). The caller used the name Jacob Chasen and offered his phone number, however, it is not a BBB number. The caller indicated the individual had won a BBB lottery, but to receive the winnings, taxes and fees must be paid in advance.

“Many people are struggling in the current economy and when someone tells you that you’ve won millions in a lottery, it can seem like an answer to prayer,” said Stephen A. Cox, President and CEO of CBBB. “Every year, tens of thousands of people contact BBB about a suspicious lottery and instead of cashing in, many lose thousands of dollars they don’t have. This one involves our name and so we want to get the word out right away that this is a scam.”

Better Business Bureau reminds consumers that anyone who receives a call, letter or e-mail about winning a lottery should consult the following checklist to avoid falling victim to a lottery scam:

Make sure the story checks out. Always confirm the facts directly with the organization the representative claims to be from—whether it’s Better Business Bureau or any other organization. Use contact information that you found on your own from the organization’s website; don’t rely on phone numbers or web links provided by the representative. Scammers often pretend to be from legitimate businesses or non-profits and a quick call directly to the organization can help set the record straight.

Never pay money to get money. Lottery scammers make their money by convincing victims that they have to pay money up front—to cover such costs as taxes or fees—in order to receive their winnings. Because it is extremely difficult for the victim to track or retrieve money sent via wire transfer, scammers will often use this as their payment method of choice.

Don’t fall for the phony check. Scammers will often send a check in the mail to the victim with the instructions that—in order to receive the full prize—he or she must deposit the check and wire back a portion of the funds to cover fees or taxes. This gives the victim a false sense of security because the check will clear initially but eventually be discovered as a fake. Once the money is withdrawn from a victim’s account, he or she has lost the funds sent to the scammer.

If you have been contacted by someone indicating they are a Better Business Bureau employee and have money to offer you, we urge you to contact your local BBB immediately to report the incident.

Want a New iPad? Enter Our Contest

5/3/2011

Posted on 5/3/2011 by Greg Hudson
Still have your eye on that brand new Apple iPad 2? Well we want to give it to you! Just take a picture of the BBB seal wherever you can find it and enter our contest!!

For more on the rules and how to enter click here:
http://www.facebook.com/pages/Better-Business-Bureau-US/25368131403?sk=app_95936962634

Leasing an Office Space That Works for You

4/29/2011

Posted on 4/29/2011 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 Advice on Keeping Pesky Bed Bugs at Bay and out of Your Home

4/29/2011

Posted on 4/29/2011 by
It appears that the bed bug infestation has hit homes once again. These pesky little critters are not only latching onto your beds, but to your wallets as well. Some self-proclaimed bed bug eradicators are coming into your home with the intention to only take your money and not actually rid you of your critter problem. The Federal Trade Commission (FTC) and Better Business Bureau are advising consumers on ways to ultimately prevent bed bug infestations from stepping “foot” in your home.

In just this year alone, BBB has received over 375 complaints against pest control service companies. In a recent October release, BBB recommended tips for choosing a trustworthy pest control company to banish bedbugs. This time, BBB, along with the FTC are advising consumers on ways to prevent a bed bug problem from taking over your home in the first place.

“While it may be easier said than done, it’s always important for consumers to know how to prevent and control a pest problem,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Preventing the problem, prevents the possibility of a pest control scam.”

BBB and the FTC urge consumers to be proactive when it comes to preventing bed bugs from entering your home.

Inspect, inspect, insect? If you recently purchased furniture from a secondhand store or flea market, make sure that your purchase doesn’t actually have “fleas,” or in this case, bed bugs, before bringing it into your home.

Take out the “hide” in hide-and-go-seek. Keeping bed bugs from being able to hide is important. Only enclose mattresses and box springs in covers labeled “allergen rated,” “for dust mites,” or “for bed bugs.” Make sure to periodically check for rips or openings so that you can patch them up securely. That also includes repairing cracks in plaster, loose wallpaper and any loose light switch covers and being proactive by always making sure to apply caulk to seal crevices, joints in baseboards and gaps on shelves or cabinets.

Don’t be a hitchhiker. When traveling, use luggage racks to hold your suitcases when packing and unpacking rather than setting your luggage on the bed or floor. When staying in a hotel, check the mattress and headboard before getting into bed. Keep the critters from infesting your home by unpacking directly into a washing machine. Wash all items showing bed bug stains, and dry on the highest setting for at least 20 minutes. The heat from the dryer kills the bugs. Before relaxing, inspect and then vacuum your luggage. Empty the vacuum or seal and dispose of its bag outside of your home after each use.

For more tips on choosing a trustworthy pest controller or to learn more about keeping bed bugs out of your home, visit www.bbb.org, the FTC’s consumer alert and the National Pesticide Information Center.

BBB Travel Tips to Ensure a Safe and Timely Flight

4/29/2011

Posted on 4/29/2011 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 Warns of Phony Acai Berry Weight Loss Products

4/29/2011

Posted on 4/29/2011 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.

BBB Advice on Choosing a Driving School That’s Right for You

4/29/2011

Posted on 4/29/2011 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.

Party People Purchase Products: Your Customer Event

4/29/2011

Posted on 4/29/2011 by

By Lance Trebesch, CEO, TicketPrinting.com

Why do you want to throw a party or hold a conference for your clients? There are plenty of good reasons to host an event for your customers, but there are plenty of bad reasons, too.

Good Reasons to Host a Customer Event

• Generate buzz around new products and services
• Attracting new clients to a brick and mortar location
• Rewarding loyal customers to cement relationships

Note that all these reasons have an end goal: in the long run, their intent is to build the business, and the result should be an increase in sales. A customer event is not a popularity contest or a children’s birthday party. You must begin with a definable business objective, or find yourself hosting a very expensive cocktail party.

Bad Reasons to Host a Customer Event

• Everyone else is doing it
• Desire to show off your financial success
• Enjoy drinking to excess in a crowd
• Trying to create some tax deductions

Also, remember the difference between a customer party and an employee party. It’s unfair to expect your staff to treat this party as a reward, particularly if they will be expected to work. Pay them if they are required to be there, and don’t require them to be there if you can’t. A resentful, overworked staff doesn’t impress anyone.

Who’s Who? Your Guest List

Cementing relationships with existing clients is easier at intimate affairs where your most important customers can get face time with your sales team or executives and let their needs be heard. Building a new client base requires casting a wider net. Either way, you’ll want to create plenty of online publicity directed toward your intended guest list using your website, related forums, email, and social networks, but you can pretty up the process with a more tangible reminder: print publicity.

If you’re simply mining your mailing list to ensure that your most important customers are remembered, print out a stack of personalized invitations. These can double as admission tickets to your event. You can also choose matching RSVP cards or postcards to get an accurate headcount for a more exclusive party.

For large affairs, spread yourself a little thin! This means not only an electronic blast through all the usual Internet methods, but also a number of real world campaigns.

• Print posters and flyers with all the details and hang them where they’ll be seen, in your brick-and-mortar location and in any other space where your potential customers might be found.
• Consider placing ads using media such as local radio, television, newspapers, and magazines. Don’t forget to advertise on college campuses.
• Try guerilla or street marketing. Send out a crew of students with a bucket of sidewalk chalk. Print stickers with all the details and pass them out to interested parties, or stick them in unexpected places.
• Work with your neighbors! Create good relationships with nearby businesses by inviting owners and employees, especially those who might provide you with good word-of-mouth publicity or allow you to hang posters in their windows.
• Remember, for this big event, you want to gather a crowd. Almost any publicity is good publicity, and even guests who are showing up just for free food can be converted into customers if you play your cards right.

You can also use an online site like Ticket River or Eventbrite to help organize your guest list. Even free events can benefit from this kind of check-in.

Stay Social

If you have a powerful social network in place, now is the time to rely on it. If you haven’t really developed your Facebook page or Twitter following, now is the time to get started! Leaking tantalizing details about the upcoming event online is a great way to ratchet up the excitement and gain new fans or followers.

Providing special deals online is another way to encourage your clients to maintain close ties with your page. For instance, offer a free virtual raffle ticket to everyone who “likes” you before the party and then hold a prize draw for one item at your event. Or, set up a page where potential guests can RSVP and offer a small prize to those who do so: a unique, ten percent off gift code, for instance. Certain businesses may get a lot of mileage out of offering a behind-the-scenes tour of the company or some face time with the CEO as a potential prize.

The greatest perk of strong social networks is the ability to communicate with your client base. If you have any questions about what would impress them, this is the time and place to find out. With Facebook’s new “Question” feature, you can ask them directly. What date and time would allow the greatest number of people to attend? What kinds of refreshments or entertainment would they prefer? Take the opportunity to get some feedback on your products in advance while you’re at it. Your customers will let you know what features, colors, price range, and options they want.

Location, location, location

Most likely, you’ll want to hold the event on the premises, either in your store or perhaps in your large corporate offices. Either way, holding your event on your own turf saves you money, gives you the upper hand in creating the perfect environment, and helps expose your guests to your ideals. Settle on a theme to guide you as your transform that venue to suit your needs. Your space should be an expression of your beliefs and communicate the values of your business to those who enter it.

After-hours parties in stores let you build a magical atmosphere that highlights your new products. Let your most innovative designers build an appealing display, making the new product the centerpiece of the entire event. With proper lighting, you can give your products the debut they deserve. If your industry trends toward flashiness, don’t be afraid to add some extras, like fog machines, lasers, and other visual perks.

Transform the entire space. Again, provocative lighting can go a long way toward producing an indelible, positive impression. Returning customers can experience the space in an entirely new way, while potential new customers will receive a cutting edge introduction to your business. But don’t stop there: how far can you go? Will your customers appreciate entering a space that’s been transformed into a disco, or a tropical paradise? Keeping their interests in mind, let the decorations create something unique. Wonderland leaves an impression!

Food and Drink

If you serve it, they will come. When you’re trying to expand your clientele, remember that free food and drink is among the greatest draws. A smaller, intimate party may benefit from sit-down service and even a full bar. Huge, open events need a rein: servers with trays of canapés, or perhaps a table with cheese, crackers, and fruit. Free liquor can get expensive. Perhaps you’ll serve champagne by the glass, or, if you’ve created a nightclub atmosphere, you may be able to get away with a cash bar. Consider partnering with a local caterer or restaurant for food service: they’ll receive added exposure and become your allies. You can even sell or distribute drink tickets or food tickets to help you keep track and ensure you don’t run out. Running out of refreshments is a fast way to put a damper on a party.

Do remember to control your spending: it’s easy to let the food budget get out of hand. A little refreshment goes a long way. While looking cheap isn’t an option, don’t be so generous that your customers start to question your fiscal responsibility. Overly lavish and ostentatious displays can be upsetting to those with reduced financial circumstances or a strong sense of social responsibility.

You should know your customers best. They may prefer PBR and hotdogs to champagne and caviar. Don’t compromise your own credibility by serving the wrong thing.

Work That Room

You’ve planned the event, gathered a crowd, and the party is hopping. What are you and your employees doing?

You ought to be making a good impression on every person who’s come through the door. This means genuine friendliness. Review the rules of hospitality. They are the same for public and private events, for businesses and individuals.

Most importantly, remember that, while you’re running a business and selling a product or service, you didn’t invite your guests to a sales pitch. The product should be prominently displayed, and your and your staff should be able to answer any and all questions about it, but don’t become a walking advertisement. That’s a huge turnoff under any circumstance. Wait until the questions are asked before you start answering them.

Instead, connect with all your guests on a friendly level. Business cards may be exchanged, as should anecdotes about children, pets, and local sports teams. Your goal is always to create a positive impression.

Working the room means:

• Making an effort to speak personally with every guest
• Finding commonalities to broaden your relationships
• Asking questions to demonstrate a genuine interest
• Listening when other speak
• Considering the needs of your guests
• Remaining sympathetic and friendly with everyone

You may find that some of your clients are eager to bend your ear about a topic that is very important to them. Now is the time for you to listen to what they have to say! Even if it doesn’t seem relevant, this could be very important information somewhere down the road. You want to deepen the relationship with existing clients, and understanding their concerns and desires is the most realistic way to do so.

This doesn’t just go for your most important customers. It can be tempting to blow off people who show up just for free food, but not only does this interfere with your goal of converting them into customers, it can also detract from your ability to impress loyal customers. Don’t let anyone ever see you be rude!

Remember, everyone at this event is your guest. Treat everyone with respect, listen to everyone, and learn from what you’re told.

Some business owners find that printing personalize event badges is truly helpful in connecting to customers. Not only do they add to security and ensure that private events stay private, they allow you to maintain the illusion that you remember everyone’s name!

That’s Entertainment

Think carefully. It may be tempting to hire a band, especially if you have connections with a group of talented young musicians who will work for drinks, but modern music tends to have the effect of drowning out conversation. The wrong music can actually hinder your efforts at networking, confidence-building, and selling your brand. Remember your objectives. Throwing a raucous party may backfire if its intensity overshadows any mention of your product and your brand. Loud music is appropriate for a record release. It may not be appropriate for other product launches.

For some crowds, the dulcet tones of a string quartet or a jazz pianist may compliment the atmosphere, encourage conversation, and create a message about the sophistication of your company. You can employ a DJ (this can be a teenager with an iPod), which allows you to control the volume and break into the musical program whenever you want to make an announcement or hand the event over to an emcee.

If your product is directed toward children, or there will be young people in attendance, face painting stations, balloon animals, and collaborative art projects can keep the kids entertained while the adults talk business. If you do expect children, you have to provide them with distractions, or expect them to draw their parents away from the event.

If the budget allows, you can also create more deliberate campaigns around the theme of your event. For instance, create a series of background image that features your product or logo and hire a digital photographer to shoot souvenir pictures of your customers in front of a green screen. Pictures that combine the photograph of your guests and the background image of your product can be printed out right at the event. It’s a fun activity that gives your guests something to do and something to take home, and can create extra publicity for you after the event.

Swag: The Gift Bag

How long will your customers remember your generosity? Inexpensive souvenirs can be the key to future sales. You can add your logo along with the URL for your website and images of your product to stickers and magnets, so you and your event stay fresh in your customers’ minds. Small accessories for your product, if they are available, provide a nice motivation for guests to make a purchase. Tasteful, clever T-shirts featuring your logo or a provocative slogan can keep you foremost in people’s thoughts, while providing you lots of extra advertising.

If you have allied partners or industries, they may be willing to donate some similar items printed with their own information.

A small gift bag with promotional items, plus some candy or other appropriate and low-cost presents, is a lovely way to say “thank you for your patronage” to guests who deserve a little extra for keeping your business afloat.

Now Go Out and Have Fun!

Your event is successful if everyone has a good time (including you) and you’ve achieved the objective you outlined before you started planning the event. If you’ve worked to keep everyone happy, you most likely achieved your goal without much additional effort. Happy customers remain loyal to you. They think of your product and your brand when you are the solution to their problems. If you’ve created a truly memorable event, your guests will go on to talk about you to friends and associates.

Ensure that everyone enjoys your party, and let your guests see that you are enjoying yourself. The right event can create for you just the right professional reputation.

BBB Warns That Scammers May Be Chasing Your Wallet In Light Of Recent Storms

4/29/2011

Posted on 4/29/2011 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.

The McGraw-Hill Companies and BBB Military Line Join to Bring Financial Literacy to Military Families

4/29/2011

Posted on 4/29/2011 by
NEW YORK, NY AND ARLINGTON, VA, -- As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and Better Business Bureau are joining together to develop and deliver expanded financial literacy and consumer protection programs to military families. The campaign builds on six years of BBB Military Line training initiatives and McGraw-Hill's decade-long commitment to ensuring financial literacy for all. The combined effort will reach more than 40,000 military families initially and will include a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions.

According to an October 2010 FINRA (Financial Industry Regulatory Authority) study entitled, "Financial Capability in the United States: Military Survey," military populations suffer disproportionately from financial strain (poor credit, high debt, foreclosures, etc.) due to service members' unique circumstances of long deployments, protracted family separation and frequent moves. The study notes, "Improving financial capability is not only important for military service members and their families, it also affects the military as a whole. When military families make poor financial decisions, the cost of those decisions can undermine military readiness."

"Lack of financial literacy can become a serious national security issue, as well as an unnecessary and burdensome distraction for our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "Financial readiness is critical to mission readiness and BBB Military Line is honored to work with McGraw-Hill to make this happen."

"McGraw-Hill is proud to work with BBB Military Line to equip the armed forces and their families with the tools to make informed financial decisions," said Harold McGraw III, Chairman, President and CEO of McGraw-Hill. "We applaud First Lady Obama and Dr. Biden for launching this worthy campaign and McGraw-Hill stands ready to do our part."

###

About McGraw-Hill
Founded in 1888, The McGraw-Hill Companies is a leading global financial information and education company that helps professionals and students succeed in the Knowledge Economy. Leading brands include Standard & Poor’s, McGraw-Hill Education, Platts energy information services and J.D. Power and Associates. With approximately 21,000 employees in more than 280 offices in 40 countries, the Corporation's sales in 2010 totaled $6.2 billion.

Connect with McGraw-Hill on Twitter and Facebook.

McGraw-Hill's philanthropic mission is to ensure financial literacy for all. Please visit www.mcgraw-hill.com/site/cr/community/financial-literacy for additional information about its financial literacy programs. Additionally, stay up-to-date about McGraw-Hill’s Financial Literacy Now campaign on Twitter and Facebook.

About BBB Military Line
BBB Military Line is a Better Business Bureau program established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBBs throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information.

Connect with BBB Military Line on Facebook.

Protect Yourself From Post-Tornado Scammers

4/29/2011

Posted on 4/29/2011 by Greg Hudson

Some of the most common "after-disaster" scams involve home and yard repairs or clean-up. The Better Business Bureau offers the following tips to homeowners who suffer property damage in the wake of a natural disaster:

Check with your insurance company about policy coverage and specific filing requirements. Save all receipts, including those for food, temporary lodging, or other expenses that may be covered under your policy.
Although you may be anxious to get things back to normal, avoid letting your emotions get the better of you. Don't be pressured into making an immediate decision with a long-term impact. Make temporary repairs if necessary.
For major permanent repairs, take time to shop around for contractors, get at least three competitive bids, check out references (of at least a year-old) and contact your BBB (www.bbb.org) for a report on the business.
Be wary of door-to-door workers who claim to have left-over repair materials from a job “down the street” or who do not have a permanent place of business.
Be leery if a worker shows up on your doorstep to announce that your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect or building official inspect it.
Prepare a written contract agreement with anyone you hire. It should specify the work to be done, the materials to be used, and the price breakdown for both labor and materials. Review it carefully before signing.
Any promises made orally should be written into the contract, including warranties on materials or labor.
Never pay for all repairs in advance, and do not pay cash.
Review all documentation before signing on the dotted line and before making any payment.

Warning: 'Modern Warfare 2' Phishing Scam

4/28/2011

Posted on 4/28/2011 by Greg Hudson

Computer and gaming giant Microsoft has released an Xbox Live service alert warning users who play Call of Duty: Modern Warfare 2 to beware of phishing scams.

Phishing scams are an attempt to acquire personal information about a user, such as usernames, passwords or credit card details, by posing as a trustworthy source, according to Digital Spy.

The service alert warns: "Users may receive potential phishing attempts via title specific massaging while playing Modern Warfare 2."

Read more: http://www.digitalspy.com/gaming/news/a316802/modern-warfare-2-phishing-scam-warns-microsoft.html

Verizon Works to Restore 4G Network

4/28/2011

Posted on 4/28/2011 by Greg Hudson
Verizon Wireless is in the process of restoring its 4G ntwork after a one-day outage downed the network, according to eweek.com.

"We have determined the cause of our issue and are working with our major vendors to restore connections," a company statement released on April 27 said. "We expect to see the network restore on a market-by-market basis. Timing and additional details will be provided as they become available."

Because of network issues, there's speculation that Verizon may have to delay the launch of its 2nd 4G phone, the Droid Charge.

Read more: http://www.eweek.com/c/a/Midmarket/Verizon-Restoring-4G-Network-Delays-Droid-Charge-Launch-652845/

Taking the Mystery Out of Shopping Scams

4/27/2011

Posted on 4/27/2011 by Luanne Kadlub
I’ve always thought it would be fun to be a mystery shopper after a colleague some time back told me how he earned a fair amount of extra change – with travel included! – doing just that.

So when I got the e-mail from careerbuilder.com, I thought this could be my opportunity. I began fantasizing about visiting restaurants in San Antonio, shopping at boutiques in Denver, maybe even posing as an unhappy customer at a dry cleaner in a small community.

And then I read the attached job offer. Darn it. All of the classic elements of a scam were in place: the URL did not match careerbuilder’s, which is a clear signal that the scam artist “borrowed” the name.

Read more: http://wynco.bbb.org/post/taking-the-mystery-out-of-shopping-scams-11303

BBB Dispute Resolution Programs Help Businesses Self-Regulate

4/27/2011

Posted on 4/27/2011 by
The expertise and experience supporting BBBs industry leading dispute resolution programs, the National Advertising Division (NAD) and BBB AUTO LINE, is being used every day to help businesses and industries with unique marketplace challenges. These two major programs are regularly cited as leading examples demonstrating the effectiveness of self-regulation at work by businesses, regulators and consumers.

Over the years, BBB has developed and provided dispute resolution services for Consent Agreements reached between major companies and the Federal Trade Commission and the National Association of Attorneys General. To address unique complaint issues for specific businesses, BBB routinely develops and administers dispute resolution programs to resolve cases under a class action agreement, to provide a channel for consumers to bring complaints in a cost effective and user friendly forum-in either case use of mediation/arbitration can help maintain customer satisfaction and manage litigation costs.

In recognition of BBBs expertise in the area of complaint handling and dispute resolution, BBB staff served as a U.S. delegate to the ISO committee drafting standards for internal customer complaint handling and third-party dispute resolution.

BBB dispute resolution provides another way BBB can help support the mission of creating marketplace trust and provide service to National Partners. For more information: Rod Davis and Richard Woods.

Playstation Network Security Breach: Steps You Should Take

4/27/2011

Posted on 4/27/2011 by Greg Hudson
Last week, hackers got into Sony's Playstation Network and potentially got their hands on the personal info of 75 million users.

Sony lists this message on their website:

Although we are still investigating the details of this incident, we believe that an unauthorized person has obtained the following information that you provided: name, address (city, state, zip), country, email address, birthdate, PlayStation Network/Qriocity password and login, and handle/PSN online ID. It is also possible that your profile data, including purchase history and billing address (city, state, zip), and your PlayStation Network/Qriocity password security answers may have been obtained. If you have authorized a sub-account for your dependent, the same data with respect to your dependent may have been obtained. While there is no evidence at this time that credit card data was taken, we cannot rule out the possibility. If you have provided your credit card data through PlayStation Network or Qriocity, out of an abundance of caution we are advising you that your credit card number (excluding security code) and expiration date may have been obtained.

What you should do if you have an account with their network:

Be especially aware of email, telephone, and postal mail scams that ask for personal or sensitive information.
Sony will not contact you in any way, including by email, asking for your credit card number, social security number or other personally identifiable information.
Monitor your credit report and credit card accounts.

BBB Customer Satisfaction Survey Results

4/27/2011

Posted on 4/27/2011 by
A recent customer satisfaction survey revealed that BBB is highly valued and significantly engaged in providing services to consumers as they negotiate the ever-increasingly complex marketplace. An outside polling firm conducted an Attitude and Usage Study of Business Rating and Review Websites.

As we approach our centennial anniversary, we were curious to learn the extent to which we were still top of mind and relevant in this ever-evolving and increasingly competitive economy. Our goal was to understand what ratings systems and providers consumers use, how they use these systems and what specific elements they consider; and how consumer identified their needs, perceptions, and satisfaction or dissatisfaction based upon users past experience with providers.

BBB contracted with Persuadable® Research Corporation to conduct a consumer survey in March 2011 to better understand:

What ratings system(s) and providers consumers use, how they use these systems and what specific elements they consider.
What are consumer needs, perceptions, and satisfaction or dissatisfaction based upon users past experience(s) with providers.

Key findings contained in this recent research included:

BBB remains “top of mind” with the North American public; we remain well-known and trusted;
Consumers want complaint information and reviews more than ratings. They want to see the details of these, they want lots of them, they want the good and the bad;
We enjoy a “halo effect” from our brand’s long history, but – in the public’s mind – no single BBB attribute stands out;
Consumers place less value than we might have assumed on information or offerings such as coupons, information about awards/recognition, etc.; and
Much of the data echoes earlier findings from surveys conducted by Princeton (2004) and Gallup (1996).

BBB Fights ID Theft Online

4/27/2011

Posted on 4/27/2011 by
Over eight million people were victims of identity theft last year, and overall losses from identity fraud topped $37 billion. BBB has responded to this problem with consumer education and action programs such as Secure Your Identity Day and Protect Your Identity Week.

However, in the past few years, a new worry has arisen. Information about you is collected as you surf around the Internet, and a profile of you is created to help target advertising so that you see ads that have the most appeal to you. Privacy concerns about the collection and use of your information without your knowledge and choice necessitated industry action.

Two years ago, BBB joined with six major advertising and marketing associations to create the Self-Regulatory Program for Online Behavioral Advertising. The core of the program is a set of seven principles - education, transparency, consumer control, data security, accountability and more - agreed to by all of the groups.

The Direct Marketing Association incorporated the principles into their Guidelines for Ethical Business Practice, and the Interactive Advertising Bureau voted unanimously to incorporate the principles into its membership code of conduct. In addition to advising on the principles, BBB is the monitoring and compliance arm of this effort. Now, a bill pending in Congress would put the Federal Trade Commission in charge of policing online data collection. The proposed law would do much of what the industry is doing already, which is educating consumers and giving them choices about how much information to share, but would lack the flexibility to respond to Internet innovations and consumer privacy concerns.

I believe it is premature to call for legislation. It would take years for the FTC to promulgate regulations to implement a new law, and businesses would face uncertainty about how the law will affect them. In the meantime, the industry self-regulations already in place are protecting consumers right now.

The associations that created the Self-Regulatory Program represent the vast majority of the advertising and marketing industry. The principles in the agreement are the most comprehensive demonstration to date on the value these industries place on consumer trust.

Advertising pays for much of the free content we enjoy online. Responsible advertising and data collection will help ensure that content is available to us, and that media and software companies will have incentive to continue being creative and innovative in developing new products and services we will enjoy in the future.

Senate Hears Discussion on Online Privacy

4/27/2011

Posted on 4/27/2011 by
This past month, the U.S. Senate Committee on Commerce, Science, and Transportation held a hearing to consider online consumer privacy issues, particularly as it relates to the use of behavioral targeting by online advertisers. Currently, there are a number of legislative and regulatory proposals to address these issues. According to bill sponsors, these proposals attempt to find a balance between the protection of consumer privacy and the free flow of information and commerce on the Internet.

The BBB, through its National Advertising Review Council (NARC) is in the center of the debate offering reasonable self-regulatory alternatives to governmental involvement in advertising issues. Virtually all of the speakers at the hearing talked about the importance of retaining consumer trust in Internet commerce.

Sen. John Kerry (D-MA) expressed concern regarding, what he called, “the increasing opportunity to merge offline and online information to create highly-detailed consumer profiles. FTC Chairman Jon Leibowitz focused his remarks on a “Do Not Track” plan, which he said would build consumer trust and encourage business innovation.

John Montgomery, speaking for the Digital Advertising Alliance, discussed the advertising industry’s self-regulatory program. The program employs a clickable icon that appears over online advertisements, and allows consumers to both view the information being collected and opt-out of further collection. Mr. Montgomery noted ongoing efforts to build further industry support for the icon program. During the first panel, Chairman Leibowitz questioned whether such a solution goes far enough in giving meaningful choice to consumers, but he described the program as "promising."

As long-time champions of Trust in the Marketplace, the CBBB in cooperation with NARC will continue to work to find reasonable solutions to privacy issues and online behavioral advertising.

A Special Guest Blog Post: CPSC’s New Consumer Product Safety Information Database

4/26/2011

Posted on 4/26/2011 by
By Chairman Inez M. Tenenbaum

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.

Read more: http://www.bbb.org/us/article/cpscs-new-publicly-available-consumer-product-safety-information-database-26904

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.

U.S. Senate Addresses Consumer Privacy

4/26/2011

Posted on 4/26/2011 by
This past month, The U.S. Senate Committee on Commerce, Science, and Transportation held a hearing to consider online consumer privacy issues, particularly as it relates to the use of behavioral targeting by online advertisers. There currently are a number of legislative and regulatory proposals to address these issues. According to bill sponsors, these proposals attempt to find a balance between the protection of consumer privacy and the free flow of information and commerce on the Internet. The BBB, through its National Advertising Review Council (NARC) is in the center of the debate offering reasonable self-regulatory alternatives to governmental involvement in advertising issues. Virtually all of the speakers at the hearing talked about the importance of retaining consumer trust in Internet commerce.

Sen. John Kerry (D-MA) expressed concern regarding, what he called, “the increasing opportunity to merge offline and online information to create highly-detailed consumer profiles. FTC Chairman Jon Leibowitz focused his remarks on a “Do Not Track” plan, which he said would build consumer trust and encourage business innovation.

John Montgomery, speaking for the Digital Advertising Alliance, discussed the advertising industry’s self-regulatory program. The program employs a clickable icon that appears over online advertisements, and allows consumers to both view the information being collected and opt-out of further collection. Mr. Montgomery noted ongoing efforts to build further industry support for the icon program. During the first panel, Chairman Leibowitz questioned whether such a solution goes far enough in giving meaningful choice to consumers, but he described the program as "promising."

As long-time champions of Trust in the Marketplace, the CBBB in cooperation with NARC will continue to work to find reasonable solutions to privacy issues and online behavioral advertising.

U.S. Senate Addresses Consumer Privacy

4/26/2011

President's Column

4/26/2011

Posted on 4/26/2011 by
Over eight million people were victims of identity theft last year, and overall losses from identity fraud topped $37 billion. BBB has responded to this problem with consumer education and action programs such as Secure Your Identity Day and Protect Your Identity Week.

But in the past few years, a new worry has arisen. Information about you is collected as you surf around the Internet, and a profile of you is created to help target advertising so that you see ads that have the most appeal to you. Privacy concerns about the collection and use of your information without your knowledge and choice necessitated industry action.

Two years ago, BBB joined with six major advertising and marketing associations to create the Self-Regulatory Program for Online Behavioral Advertising. The core of the program is a set of seven principles – education, transparency, consumer control, data security, accountability and more – agreed to by all of the groups. The Direct Marketing Association incorporated the principles into their Guidelines for Ethical Business Practice, and the Interactive Advertising Bureau voted unanimously to incorporate the principles into its membership code of conduct. In addition to advising on the principles, BBB is the monitoring and compliance arm of this effort.

Now a bill pending in Congress would put the Federal Trade Commission in charge of policing online data collection. The proposed law would do much of what the industry is doing already, which is educating consumers and giving them choices about how much information to share, but would lack the flexibility to respond to Internet innovations and consumer privacy concerns.

I believe it is premature to call for legislation. It would take years for the FTC to promulgate regulations to implement a new law, and businesses would face uncertainty about how the law will affect them. In the meantime, the industry self-regulations already in place are protecting consumers right now. The associations that created the Self-Regulatory Program represent the vast majority of the advertising and marketing industry. The principles in the agreement are the most comprehensive demonstration to date on the value these industries place on consumer trust.

Advertising pays for much of the free content we enjoy online. Responsible advertising and data collection will help ensure that content is available to us, and that media and software companies will have incentive to continue being creative and innovative in developing new products and services we will enjoy in the future.

Steve Cox

PlayStation Network Shutdown Indefinitely

4/26/2011

Posted on 4/26/2011 by Veronica Brown

After a hacking attack last week, Sony’s PlayStation Network and Qriocity online services are still down with no end in sight, reports the Silicon Valley/San Jose Business Journal.

The PlayStation music and video services were shut down six days ago so that Sony could conduct a thorough investigation, as well as ensure smooth operations going forward.

The service will be kept offline indefinitely since the attack could have potentially compromised some user information.

To read the full article, visit http://www.bizjournals.com/sanjose/news/2011/04/26/sony-playstation-qriocity-still-down.html

Facebook Offers New 'Deals' Feature

4/26/2011

Posted on 4/26/2011 by Veronica Brown

Facebook launched its new Deals feature in five test cities today, reports Mashable.

The Deals feature, similar to Groupon and Living Social, will provide discounts for local restaurants, attractions, shopping, etc. via email or a user’s newsfeed on Facebook.

Each deal will have its own Facebook page, and users can “Like” it, share it on the site, or opt in to buy it right away. Purchases can be made using credit cards of Facebook credits.

To read the full article, visit http://mashable.com/2011/04/25/facebook-deals-screenshots/#13137Sharing-a-Facebook-Deal.

Going the Extra Mile

4/25/2011

Posted on 4/25/2011 by Carol Odell
On a recent trip to Palm Desert I found myself standing at the door to my room with a key card that didn’t work, and only 10 minutes to get in my room, change clothes and get to the golf course before it closed.

When I checked in at the resort I had asked about playing golf after my meetings the next day. The desk attendant informed me there was a charity tournament that day and I would not be able to get on the course. That meant I had to get on the course that evening if I was going to play at all. I had only one hour from when I checked in to be able to play before my first meeting.

The course was like a smooth lush green carpet surrounded by lemon and grapefruit trees. Not to mention the beautiful flowers and shrubs. For an avid golfer who has seen only brown grass and barren trees since November, it was a must for me to play the resort course.

My only hope was to get expedient help from the front desk to get in my room. I called and told them my dilemma. They made me a new key card and sent Oscar, a hotel porter, immediately. He met me at my car and I explained my tight schedule.

Read more: http://southerncolorado.bbb.org/post/going-the-extra-mile-11264

Lydia Parnes Elected to Council of Better Business Bureaus’ Board of Directors

4/25/2011

Posted on 4/25/2011 by
Arlington, VA. – Lydia Parnes, Partner in the Washington, DC office of Wilson Sonsini Goodrich & Rosati (WSGR) was recently elected to the Board of Directors of the Council of Better Business Bureaus (CBBB).

As a leading expert in privacy, data security, internet advertising and general advertising and market practices, Parnes brings a valuable perspective to the Council of Better Business Bureaus and our Board,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. CBBB is the network hub for 122 Better Business Bureaus in the United States and Canada. Like BBBs, CBBB is dedicated to fostering honest and responsive relationships between businesses and consumers, instilling consumer confidence and contributing to a trustworthy marketplace for all.

Prior to joining WSGR, Parnes served as the former director of the Bureau of Consumer Protection (BCP) at the Federal Trade Commission (FTC). As director of BCP, one of the FTC’s two law-enforcement bureaus and the nation’s only federal consumer-protection agency, Parnes oversaw the enforcement of a wide range of laws designed to prevent fraud and deception in the commercial marketplace, safeguard consumer privacy, and provided consumers with information about the goods and services they purchase. In addition, she represented the bureau on Capitol Hill and in international settings in connection with such high-profile issues as information security and privacy, Internet advertising, and identity theft. In 2006, she served as the deputy executive director of the President’s Task Force on Identity Theft, coordinating the efforts of 17 federal agencies in developing a national strategic plan to combat identity theft in both the private and public sectors.

Parnes joined the FTC in 1981 as attorney advisor to the chairman. During her tenure at the FTC, she held a variety of management positions, including assistant director of the Division of Policy and Evaluation (1985 - 1987), and associate director of the Division of Marketing Practices (1987 -1992). In 1992, she was named deputy director of the Bureau of Consumer Protection, and was appointed director in 2004.

She is a member of the American Bar Association and a Vice Chair of the ABA Section of Antitrust Law’s Consumer Protection Committee. In 2010, she was named one of the country’s top privacy and data security attorneys in Chambers USA: America’s Leading Lawyers for Business.

# # #

About the 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 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.

2.2 Million Verizon iPhones Activated During Q1

4/21/2011

Posted on 4/21/2011 by Veronica Brown
The numbers are in: Verizon has announced that it activated an impressive 2.2 million iPhones during the first quarter, reports CNNMoney.

The launch of the iPhone in February has helped Verizon Wireless more than triple its profit from a year ago, an astonishing figure since iPhone sales only accounted for 50 days of the quarter.

Verizon also announced it added 906,000 customers under contract, as compared to AT&T which only added 62,000.

To read the full report, visit http://money.cnn.com/2011/04/21/technology/verizon_att_iphone_earnings/?section=money_latest

Something Big Coming? Apple Sets Vacation Restriction for Workers

4/25/2011

Posted on 4/25/2011 by America Monge
Apple Inc, has reportedly set a vacation restriction for its workers on the weekend of May 21st. Apple has done this in the past, the most recent time being when it introduced the Verizon iPhone and the iPad 2.

The New Mexico Business Weekly reports that the weekend restriction in May comes on the 10th anniversary of the opening of the first Apple stores in Tysons Corner Mall in Mclean, VA and at the Galleria in Glendale, CA. Many are speculating a huge sale event while others are wondering whether a new iMac is on the way.

What do you think Apple is planning?

To read full article, click the link below:
http://www.bizjournals.com/albuquerque/news/2011/04/21/apple-vacation-memo-triggers-rumors.html

How to Tornado-Proof Your Home

4/25/2011

Posted on 4/25/2011 by America Monge
If you live in a tornado prone area of the US, being prepared before a tornado strikes is key to guarding your home and avoid losing all valuables in a storm.

USAToday reports of measures that can be taken to prevent excessive damage to your home due to a tornado. The best defense against a tornado's savage winds are in-home or underground shelters. However, if your budget doesn't allow for the roughly $5,000 that an in-home shelter might cost, is it important to focus on the most vulnerable parts of your home. These vulnerable areas include the walls, roof, windows, doors, and garage doors. Investing in double pane windows, sturdy garage doors, and top-quality roofing are key elements in maintaining low damage on your home during a tornado.

To read full article, click the link below:
http://www.usatoday.com/money/economy/housing/2011-04-20-tornado-home-construction.htm

Gap Offers Text Message Discounts

4/21/2011

Posted on 4/21/2011 by Veronica Brown
Gap customers will receive special discounts via text message in a new partner-program with Visa, reports Mashable.

Visa users who opt in to Gap Mobile 4U online will receive text messages with promotions and discounts up to twice a week when they meet certain criteria like shopping at a specific location with a certain zip code, category type, or within a certain time period. Text messages simply have to be presented at Gap locations to redeem the offers.

Gap is the first worldwide retailer to participate in Visa’s mobile payment scheme after launching a pilot stage in November.

To read the full article, visit http://mashable.com/2011/04/21/gap-visa-text-discounts/

Law Firm Drops Lawsuit Against Taco Bell

4/20/2011

Posted on 4/20/2011 by Veronica Brown
The lawsuit questioning Taco Bell’s beef has been dropped after the company made changes to its marketing and product disclosure, USA Today reported.

After a $3 million to $4 million ad campaign by Taco Bell to counter the suit, the Alabama-based law firm Beasley Allen has voluntarily withdrawn the lawsuit. No money was exchanged.

According to Attorney Dee Mills, “From the inception of this case, we stated that if Taco Bell would make certain changes regarding disclosure and marketing of its ‘seasoned beef’ product, the case could be dismissed.”

To read the full article, visit http://www.usatoday.com/money/industries/food/2011-04-18-taco-bell-beef-lawsuit-dropped.htm

FTC - Want a Free Annual Credit Report?

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Want a Free Annual Credit Report?

The Only Official Website is annualcreditreport.com

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report. The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know that, if you want to order your free annual credit report online, there is only one authorized website:annualcreditreport.com.

To Order Your Free Annual Credit Report
Visit annualcreditreport.com
Call toll-free: 1-877-322-8228
Mail your completed Annual Credit Report Request Form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Many other websites claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring.” But, be careful. These sites are not part of the official annual free credit report program. And in some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period ends. If you don’t cancel during the trial period, you may be agreeing to let the company start charging fees to your credit card.

These sites often look like the official site at annualcreditreport.com. Some use terms like “free report” in their names; others have website names that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.
If you want to order your free annual credit report online, carefully type in the name: annualcreditreport.com, or go to the FTC’s website which has a link to it. Once you have filled out certain information at annualcreditreport.com, you will be directed to individual websites operated by the three nationwide consumer reporting companies. You may get offers to buy additional products or services while on the companies’ websites, such as credit scores or credit monitoring products, but you are not required to make a purchase to receive your free annual credit reports.

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 – it’s probably a scam. annualcreditreport.com will NEVER send you an email solicitation for your free annual credit report, use pop-up ads, or call you to ask for personal information. Forward any email that claims to be from annualcreditreport.com or any of three consumer reporting companies to the FTC’s database of deceptive spam at spam@uce.gov.

To order your report at annualcreditreport.com, you must provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to give your previous address. To maintain the security of your file, each nationwide consumer reporting company also may ask you for information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information. That’s because the information each company has in your file may come from different sources.

You also can order your free report by calling toll-free, 1-877-322-8228, or by mailing a completed Annual Credit Report Request Form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide consumer reporting companies directly. They only provide free annual credit reports through the website, phone number, and address above.

For more information about your rights to free credit reports, see the FTC publication, Your Access to Free Credit Reports.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2006

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid these practices. To learn more about the FTC and its services, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

FTC - Bogus July 1 Email Exposed: The Real Deal on Your Credit File Privacy

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Bogus July 1 Email Exposed: The Real Deal on Your Credit File Privacy

Seems like every spring, an anonymous email containing false and misleading information about the use of your personal information shows up in in-boxes across the country, leaving many consumers concerned and confused. It's no wonder: The email message mixes apples and oranges.

Here's what the email says:
"Just wanted to let everyone know who hasn't already heard, the four major credit bureaus in the U.S. will be allowed, starting July 1, to release your credit info, mailing addresses, phone numbers... to anyone who requests it. If you would like to "opt out" of this release of info., you can call 1-888-567-8688. It only takes a couple of minutes to do."

And here's the real deal from the Federal Trade Commission (FTC), the agency that enforces the Fair Credit Reporting Act (FCRA).
July 1, 2001 was the deadline, under the Gramm-Leach-Bliley Act (GLB), for financial institutions to let you know about their privacy policies and how you could opt out of some of their information-sharing practices (see Privacy Choices for Your Personal Financial Information at ftc.gov/credit). You may recall getting mailings or statement inserts from your financial
institutions, creditors, insurance companies and brokerage firms about this. But the July 1 date is not — and never was — a deadline for consumers to do anything. In fact, consumers can contact their financial institutions anytime to opt out of information sharing practices under GLB.

Credit bureaus can release your credit information only to people with a legitimate business need, as recognized by the FCRA. For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment.

You also can review a copy of your credit report to make sure it’s accurate. The FCRA requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. To order your free annual report from one or all national consumer reporting companies, visit www.annualcreditreport.com, call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281. The form is at the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They provide free annual credit reports only through 877-322-8228, www.annualcreditreport.com, and Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281. For more information, see Your Access to Free Credit Reports at ftc.gov/credit.

Lenders and insurers also may use information in your credit file as a basis for sending you unsolicited offers of credit or insurance. This practice is known as "prescreening." You can opt out of these offers by calling, toll-free: 1-888-5-OPTOUT (1-888-567-8688) – the same number in the email that goes around every spring. The major credit bureaus use this number to let consumers choose not to receive these "prescreened" or unsolicited credit offers. When you call, you'll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential and will be used only to process your request to opt out.
For More Information
To learn more about your privacy rights under the FCRA and GLB, contact the FTC.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2006

FTC - Saving Money at the Gas Pump: A Bumper-to-Bumper Guide

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Saving Money at the Gas Pump: A Bumper-to-Bumper Guide

Whether driving cross-town or cross-country, everybody wants to save money at the pump. Regardless of the make and model, your car’s estimated gas mileage is just that — an estimate. An important variable is how you fuel, drive, and maintain your car.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, offers these bumper-to-bumper tips to help you drive down the cost of driving:

The Gas Tank

Making the right choice at the gas pump is an important first step to keeping your car running efficiently — and economically.
Follow your owner’s manual recommendation for the right octane level for your car. For most cars, the recommended gas is regular octane. Using a higher octane gas than the manufacturer recommends offers no benefit — and costs you at the pump. Unless your engine is knocking, buying higher octane gas is a waste of money. Looking for more information on selecting the right octane level for your car? See The Low-Down on High Octane Gasoline.
Gas savings gadgets? Steer clear. Be skeptical about any gizmo that promises to improve your gas mileage. The Environmental Protection Agency (EPA) has tested over 100 supposed gas-saving devices — including “mixture enhancers” and fuel line magnets — and found that very few provided any fuel economy benefits. Those devices that did work provided only a slight improvement in gas mileage. In fact, some products may even damage your car’s engine or cause a substantial increase in exhaust emissions. For a full list of tested products, visit www.epa.gov/otaq/consumer.htm. For more information, check out Gas Savings Products? Fact or Fuelishness.

The Steering Wheel

When it comes to stretching your gas budget, how you drive can be almost as important as how far you drive.
Stay within the posted speed limits. Gas mileage decreases rapidly at speeds above 60 miles per hour.
Avoid unnecessary idling. It wastes fuel, costs you money, and pollutes the air. Turn off the engine if you anticipate a wait.
Avoid jackrabbit starts and stops. You can improve in-town gas mileage by up to five percent by driving “gently.”
Use overdrive gears and cruise control when appropriate. They improve fuel economy when you’re driving on the highway.
For more information, check out Good, Better, Best: How to Improve Gas Mileage.

The Tires

Keeping your tires properly inflated and aligned can increase gas mileage up to three percent.
Under the Hood
You don’t have to be a gearhead to keep your engine purring at its fuel-efficient best.
Keep your engine tuned. Tuning your engine according to your owner’s manual can increase gas mileage by an average of four percent.
Change your oil. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. You can improve your gas mileage by using the grade of motor oil in your owner’s manual and changing it according to the schedule recommended by your car manufacturer. Motor oil that says “Energy Conserving” on the performance symbol of the American Petroleum Institute contains friction-reducing additives that can improve fuel economy.
Check and replace air filters regularly. Replacing clogged filters can increase gas mileage up to 10 percent.

The Trunk

An extra 100 pounds in the trunk can reduce fuel economy by up to two percent. Removing non-essential stuff can save you at the pump.
The Driver’s Seat
The only sure-fire “equipment” guaranteed to get more from a gallon of gas is a fuel-conscious driver behind the wheel.
Combine errands. Several short trips taken from a cold start can use twice as much fuel as one trip covering the same distance when the engine is warm.
Consider carpooling. Many cities make it even easier by matching up commuters.
Bus it, bike it, or hoof it. Why not leave your car at home and consider public transportation, a bike ride, or a stroll across town?

For more information on energy efficiency at the gas pump and throughout the house, check out Saving Starts @ Home: The Inside Story on Conserving Energy.

May 2006

FTC - Building a Better Credit Report

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Facts for Consumers
Building a Better Credit Report
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease.

Having a good credit report means it will be easier for you to get loans and lower interest rates. Lower interest rates usually translate into smaller monthly payments.

Nevertheless, newspapers, radio, TV, and the Internet are filled with ads for companies and services that promise to erase accurate negative information in your credit report in exchange for a fee. The scam artists who run these ads not only don't deliver — they can't deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit as it's detailed in your credit report.

The Federal Trade Commission (FTC), the nation's consumer protection agency, has written this booklet to help explain how to build a better credit report. It has six sections:

Section 1: Explains your rights under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act.

Section 2: Tells how you can legally improve your credit report.

Section 3: Offers tips on dealing with debt.

Section 4: Cautions about credit-related scams and how to avoid them.

Section 5: Offers information about identity theft.

Section 6: Lists resources for additional information.

The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of the nation's consumer reporting companies. The FTC enforces the FCRA with respect to consumer reporting companies. Recent amendments to the FCRA expand consumer rights and place additional requirements on consumer reporting companies. Businesses that provide information about consumers to consumer reporting companies and businesses that use credit reports also have new responsibilities under the law.

Here are some questions consumers have asked the FTC about consumer reports and consumer reporting companies, and the answers.

Q. Do I have a right to know what's in my report?
A. You have the right to know what's in your report, but you have to ask for the information. The consumer reporting company must tell you everything in your report, and give you a list of everyone who has requested your report within the past year - or the past two years if the requests were related to employment. Q. What type of information do consumer reporting companies collect and sell? A. Consumer reporting companies collect and sell four basic types of information:

Identification and employment information: Your name, birth date, Social Security number, employer, and spouse's name are noted routinely. The consumer reporting company also may provide information about your employment history, home ownership, income, and previous address, if a creditor asks.

Payment history: Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as the referral of an overdue account to a collection agency, also may be noted.

Inquiries: Consumer reporting companies must maintain a record of all creditors who have asked for your credit history within the past year, and a record of individuals or businesses that have asked for your credit history for employment purposes for the past two years.

Public record information: Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.
Q. Is there a charge for my report?
A. Under the Free File Disclosure Rule of the Fair and Accurate Credit Transactions Act (FACT Act), each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it.

Q: How do I order my free report?
A: The three nationwide consumer reporting companies are using one website, one toll-free telephone number, and one mailing address for consumers to order their free annual report. To order, click on www.annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is at the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. You may order your free annual reports from each of the consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.

Q: What information do I have to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Still, www.annualcreditreport.com is the only authorized online source for your free annual credit report from the three nationwide consumer reporting companies. Neither the website nor the companies will call you first to ask for personal information or send you an email asking for personal information. If you get a phone call or an email — or see a pop-up ad — claiming it's from www.annualcreditreport.com (or any of the three nationwide consumer reporting companies), it's probably a scam. Don't reply or click on any link in the message. Instead, forward any email that claims to be from www.annualcreditreport.com (or any of the three consumer reporting companies) to spam@uce.gov, the FTC's database of deceptive spam.

Q: Are there other situations where I might be eligible for a free report?
A: Under federal law, you're entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, any of the three consumer reporting companies may charge you up to $9.50 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:

Equifax
800-685-1111
www.equifax.com Experian
888-EXPERIAN (397-3742)
www.experian.com Trans Union
800-916-8800
www.transunion.com

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

For more information, see Your Access to Free Credit Reports at ftc.gov/credit.

Credit Scores

Q. What is a credit score, and how does it affect my ability to get credit?
A: Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it.
Information about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points — a credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers with good credit risks have higher credit scores.

You can get your credit score from the three nationwide consumer reporting companies, but you will have to pay a fee for it. Many other companies also offer credit scores for sale alone or as part of a package of products.

For more information, see Credit Scoring at ftc.gov/credit.

Improving Your Credit Report
Under the FCRA, both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider if you see inaccurate or incomplete information.

1. Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report that you dispute, state the facts and explain why you dispute the information, and request that the information be deleted or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 8. Send your letter by certified mail, return receipt requested, so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that the information is, indeed, accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. A corrected copy of your report can be sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn't resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. Expect to pay a fee for this service.

2. Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct - that is, if the information is found to be inaccurate - the information provider may not report it again.

Sample Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

Accurate Negative Information
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you've applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

Adding Accounts to Your File
Your credit file may not reflect all your credit accounts. Most national department store and all-purpose bank credit card accounts are included in your file, but not all. Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those that usually aren't included.

If you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the consumer reporting companies to add this information to future reports. Although they are not required to do so, many consumer reporting companies will add verifiable accounts for a fee. However, if these creditors do not generally report to the consumer reporting company, the added items will not be updated in your file.

Dealing with Debt
Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You're not alone. Many people face financial crises at some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or simple overspending, it can seem overwhelming. But often, it can be overcome. The fact is that your financial situation doesn't have to go from bad to worse.

If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.

Self-Help
Developing a Budget
The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that vary — like entertainment, recreation, and clothing. Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

Your public library and bookstores have information about budgeting and money management techniques. In addition, computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.

Contacting Your Creditors

Contact your creditors immediately if you're having trouble making ends meet. Tell them why it's difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level. Don't wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you.

Dealing with Debt Collectors

The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you're at work if the collector knows that your employer doesn't approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact.

Credit Counseling
If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that just because an organization says it's "nonprofit," there's no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or pressure consumers to make large "voluntary" contributions that can cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

Auto and Home Loans
Your debts can be secured or unsecured. Secured debts usually are tied to an asset, like your car for a car loan, or your house for a mortgage. If you stop making payments, lenders can repossess your car or foreclose on your house. Unsecured debts are not tied to any asset, and include most credit card debt, bills for medical care, signature loans, and debts for other types of services.

Most automobile financing agreements allow a creditor to repossess your car any time you're in default. No notice is required. If your car is repossessed, you may have to pay the balance due on the loan, as well as towing and storage costs, to get it back. If you can't do this, the creditor may sell the car. If you see default approaching, you may be better off selling the car yourself and paying off the debt: You'll avoid the added costs of repossession and a negative entry on your credit report.

If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure. Most lenders are willing to work with you if they believe you're acting in good faith and the situation is temporary. Some lenders may reduce or suspend your payments for a short time. When you resume regular payments, though, you may have to pay an additional amount toward the past due total. Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt. Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.

If you and your lender cannot work out a plan, contact a housing counseling agency. Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who's having trouble making mortgage payments. Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.

Debt Consolidation
You may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit. Remember that these loans require you to put up your home as collateral. If you can't make the payments — or if your payments are late — you could lose your home.

What's more, the costs of consolidation loans can add up. In addition to interest on the loans, you may have to pay "points," with one point equal to one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit.

Bankruptcy
Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job. Still, it is a legal procedure that offers a fresh start for people who can't satisfy their debts. People who follow the bankruptcy rules receive a discharge — a court order that says they don't have to repay certain debts.

The consequences of bankruptcy are significant and require careful consideration. Other factors to think about: Effective October 2005, Congress made sweeping changes to the bankruptcy laws. The net effect of these changes is to give consumers more incentive to seek bankruptcy relief under Chapter 13 rather than Chapter 7. Chapter 13 allows you, if you have a steady income, to keep property, such as a mortgaged house or car, that you might otherwise lose. In Chapter 13, the court approves a repayment plan that allows you to use your future income to pay off your debts during a three-to-five-year period, rather than surrender any property. After you have made all the payments under the plan, you receive a discharge of your debts.;

Chapter 7, known as straight bankruptcy, involves the sale of all assets that are not exempt. Exempt property may include cars, work-related tools, and basic household furnishings. Some of your property may be sold by a court-appointed official — a trustee — or turned over to your creditors. The new bankruptcy laws have changed the time period during which you can receive a discharge through Chapter 7. You now must wait eight years after receiving a discharge in Chapter 7 before you can file again under that chapter. The Chapter 13 waiting period is much shorter and can be as little as two years between filings.

Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments and utility shut-offs, and debt collection activities. Both also provide exemptions that allow you to keep certain assets, although exemption amounts vary by state. Personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. Also, unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or security lien on it.

Another major change to the bankruptcy laws involves certain hurdles that you must clear before even filing for bankruptcy, no matter what the chapter. You must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust. That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Also, before you file a Chapter 7 bankruptcy case, you must satisfy a “means test.” This test requires you to confirm that your income does not exceed a certain amount. The amount varies by state and is publicized by the U.S. Trustee Program at www.usdoj.gov/ust.

For more information, see Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education, Knee Deep in Debt, and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit.

Avoiding Scams
Turning to a business that offers help in solving debt problems may seem like a reasonable solution when your bills become unmanageable. Be cautious. Before you do business with any company, check it out with your local consumer protection agency or the Better Business Bureau in the company's location.

Ads Promising Debt Relief May Really Be Offering Bankruptcy
Consumer debt is at an all-time high. What's more, a record number of consumers — more than 1.5 million in 2004 — are filing for bankruptcy. Whether your debt dilemma is the result of an illness, unemployment, or overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. And read between the lines when faced with ads in newspapers, magazines, or even telephone directories that say:

"Consolidate your bills into one monthly
payment without borrowing"

"STOP credit harassment, foreclosures,
repossessions, tax levies and garnishments"

"Keep Your Property"

"Wipe out your debts! Consolidate your bills! How?
By using the protection and assistance provided by federal law. For once, let the law work for you!"

While the ads pitch the promise of debt relief, they rarely say relief may be spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy is one option to deal with financial problems, it's generally considered the option of last resort. The reason: it has a long-term negative impact on your creditworthiness. A bankruptcy stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. What's more, it can cost you attorneys' fees.

Advance-Fee Loan Scams
These scams often target consumers with bad credit problems or those with no credit. In exchange for an up-front fee, these companies "guarantee" that applicants will get the credit they want — usually a credit card or a personal loan.

The up-front fee may be as high as several hundred dollars. Resist the temptation to follow up on advance-fee loan guarantees. They may be illegal. Many legitimate creditors offer extensions of credit, such as credit cards, loans, and mortgages through telemarketing, and require an application fee or appraisal fee in advance. But legitimate creditors never guarantee in advance that you'll get the loan. Under the federal Telemarketing Sales Rule, a seller or telemarketer who guarantees or represents a high likelihood of your getting a loan or some other extension of credit may not ask for or receive payment until you've received the loan.

Recognizing an Advance-Fee Loan Scam
Ads for advance-fee loans often appear in the classified ad section of local and national newspapers and magazines. They also may appear in mailings, radio spots, and on local cable stations. Often, these ads feature "900" numbers, which result in charges on your phone bill. In addition, these companies often use delivery systems other than the U.S. Postal Service, such as overnight or courier services, to avoid detection and prosecution by postal authorities.

It's not hard to confuse a legitimate credit offer with an advance-fee loan scam. An offer for credit from a bank, savings and loan, or mortgage broker generally requires your verbal or written acceptance of the loan or credit offer. The offer usually is subject to a check of your credit report after you apply to make sure you meet their credit standards. Usually, you are not required to pay a fee to get the credit.

Hang up on anyone who calls you on the phone and says they can guarantee you will get a loan if you pay in advance. It's against the law.

Protecting Yourself
Here are some tips to keep in mind before you respond to ads that promise easy credit, regardless of your credit history:

Most legitimate lenders will not "guarantee" that you will get a loan or a credit card before you apply, especially if you have bad credit, or a bankruptcy.
It is an accepted and common practice for reputable lenders to require payment for a credit report or appraisal. You also may have to pay a processing or application fee.
Never give your credit card account number, bank account information, or Social Security number out over the telephone unless you are familiar with the company and know why the information is necessary.

Credit Repair Scams
You see the ads in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

"Credit problems? No problem!"

"We can erase your bad credit-100% guaranteed."

"Create a new credit identity-legally."

"We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"

Do yourself a favor and save some money, too. Don't believe these statements. They're just not true. Only time, a conscientious effort, and a plan for repaying your debt will improve your credit report.

The Warning Signs
If you should decide to respond to an offer to repair your credit, think twice. Don't do business with any company that:

wants you to pay for credit repair services before any services are provided
does not tell you your legal rights and what you can do yourself — for free
recommends that you not contact a consumer reporting company directly
suggests that you try to invent a "new" credit report by applying for an Employer Identification Number to use instead of your Social Security number
advises you to dispute all information in your credit report or take any action that seems illegal, such as creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.
You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It's a federal crime to make false statements on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.

The Credit Repair Organizations Act
By law, credit repair organizations must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before signing the contract. The law contains specific consumer protections. For example, a credit repair company cannot:

make false claims about their services
charge you until they have completed the promised services
perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees.
Your contract must specify:

the total cost of the services
a detailed description of the services to be performed
how long it will take to achieve the results
any "guarantees" they offer
the company's name and business address.
Where to Complain
If you've had a problem with any of the scams described here, contact your local consumer protection agency, state Attorney General (AG), or Better Business Bureau. Many AGs have toll-free consumer hotlines. Check with your local directory assistance.

Identity Theft
An identity thief is someone who obtains some piece of your sensitive information, like your Social Security number, date of birth, address, and phone number, and uses it without your knowledge to commit fraud or theft.

How Identity Thieves Get Your Information
Skilled identity thieves use a variety of methods to gain access to your personal information. For example, they may:

get information from businesses or other institutions by:
stealing records or information while they're on the job
bribing an employee who has access to these records
hacking these records
conning information out of employees
rummage through your trash, the trash of businesses, or public trash dumps in a practice known as "dumpster diving"
get your credit reports by abusing their employer's authorized access to them, or by posing as a landlord, employer, or someone else who may have a legal right to access your report
steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as "skimming." They may swipe your card for an actual purchase, or attach the device to an ATM machine where you may enter or swipe your card.
steal wallets and purses containing identification and credit and bank cards.
steal mail, including bank and credit card statements, new checks, or tax information
complete a "change of address form" to divert your mail to another location
steal personal information from your home
scam information from you by posing as a legitimate business person or government official

How Identity Thieves Use Your Information
Once identity thieves have your personal information, they may:

go on spending sprees using your credit and debit card account numbers to buy "big-ticket" items like computers that they can easily sell
open a new credit card account, using your name, date of birth, and Social Security number. When they don't pay the bills, the delinquent account is reported on your credit report.
change the mailing address on your credit card account. The imposter then runs up charges on the account. Because the bills are being sent to the new address, it may take some time before you realize there's a problem.
take out auto loans in your name
establish phone or wireless service in your name
counterfeit checks or debit cards, and drain your bank account
open a bank account in your name and write bad checks on that account
file for bankruptcy under your name to avoid paying debts they've incurred, or to avoid eviction
give your name to the police during an arrest. If they are released and don't show up for their court date, an arrest warrant could be issued in your name.

Protecting Yourself
Managing your personal information is key to minimizing your risk of becoming a victim of identity theft.

Keep an eye on your purse or wallet, and keep them in a safe place at all times.
Don't carry your Social Security card.
Don't share your personal information with random people you don't know. Identity thieves are really good liars, and could pretend to be from banks, Internet service providers, or even government agencies to get you to reveal identifying information.
Read the statements from your bank and credit accounts and look for unusual charges or suspicious activity. Report any problems to your bank and creditors right away.
Tear up or shred your charge receipts, checks and bank statements, expired charge cards, and any other documents with personal information before you put them in the trash.

How To Tell If You're a Victim of Identity Theft
Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals. Other indications of identity theft can be:

failing to receive bills or other mail signaling an address change by the identity thief;
receiving credit cards for which you did not apply;
denial of credit for no apparent reason; or
receiving calls from debt collectors or companies about merchandise or services you didn't buy.

What To Do If Your Identity's Been Stolen
If you suspect that your personal information has been used to commit fraud or theft, take the following four steps right away. Follow up all calls in writing; send your letter by certified mail, and request a return receipt, so you can document what the company received and when; and keep copies for your files.

Place a fraud alert on your credit reports and review your credit reports. Contact any one of the nationwide consumer reporting companies to place a fraud alert on your credit report. Fraud alerts can help prevent an identity thief from opening any more accounts in your name. The company you call is required to contact the other two, which will place an alert on their versions of your report, too.
Equifax: 1-800-525-6285; www.equifax.com
Experian: 1-888-EXPERIAN (397-3742); www.experian.com
TransUnion: 1-800-680-7289; www.transunion.com

In addition to placing the fraud alert on your file, the three consumer reporting companies will send you free copies of your credit reports, and, if you ask, they will display only the last four digits of your Social Security number on your credit reports.

Close the accounts that you know, or believe, have been tampered with or opened fraudulently.
Contact the security or fraud department of each company where you know, or believe, accounts have been tampered with or opened fraudulently. Follow up in writing, and include copies (NOT originals) of supporting documents. It's important to notify credit card companies and banks in writing. Send your letters by certified mail, return receipt requested, so you can document what the company received and when. Keep a file of your correspondence and enclosures.

When you open new accounts, use new Personal Identification Numbers (PINs) and passwords. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers.

File a report with your local police or the police in the community where the identity theft took place.
Get a copy of the police report or, at the very least, the number of the report. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a "Miscellaneous Incidents" report, or try another jurisdiction, like your state police. You also can check with your state Attorney General's office to find out if state law requires the police to take reports for identity theft. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.

File a complaint with the Federal Trade Commission.
By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC also can refer your complaint to other government agencies and companies for further action, as well as investigate companies for violations of laws that the FTC enforces.

You can file a complaint online at www.consumer.gov/idtheft. If you don't have Internet access, call the FTC's Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

For more information, see ID Theft: What's It All About or Take Charge: Fighting Back Against Identity Theft at ftc.gov//idtheft.

For More Information
The Federal Trade Commission enforces a number of credit laws and has free information about them:

The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance.

The Fair Credit Reporting Act gives you the right to learn what information is being distributed about you by credit reporting companies.

The Truth in Lending Act requires lenders to give you written disclosures of the cost of credit and terms of repayment before you enter into a credit transaction.

The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts.

The Fair Debt Collection Practices Act prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that your creditor has forwarded for collection.

May 2006

FTC - Vets: Delete Unsolicited Offers by Email; Don’t Disclose Personal Information to Unsolicited Callers

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Vets: Delete Unsolicited Offers by Email; Don’t Disclose Personal Information to Unsolicited Callers

In the wake of the recent data breach at the Department of Veterans’ Affairs (VA), the Federal Trade Commission, the nation’s consumer protection agency, is cautioning veterans and their families to be on the alert for scams that target their personal information. Law enforcers say that in the past, fraudsters have taken advantage of people in vulnerable situations through email and the telephone.

Law enforcers say that fraudsters might use various techniques, including email or the telephone, to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, or other sensitive personal information. Phishing is an email-based scam — an email that appears to come from a bank or other organization that asks you to verify account information, and then directs you to a bogus website whose only purpose is to trick you into divulging your personal information. Fraudsters also lie on the telephone about who they are to get someone to disclose personal information. Regardless of the way they get your information, scammers could use it to commit identity theft or fraud.

The FTC offers this advice for veterans and their families to deter ill-meaning phishers and callers:
Don’t give out your personal information over the phone, through the mail, or over the Internet unless you initiated the contact and know — or can verify — who you are dealing with.
Never click on links sent in unsolicited emails. Instead, type in a Web address you know to be accurate.

The VA, other government agencies, and legitimate businesses do not contact people by email or telephone to ask them for — or to confirm — Social Security numbers or other personal information.
For more information about online scams and frauds, visit OnguardOnline.gov, which provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.

June 2006

FTC - How to Be the Class ‘Value-dictorian’

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

How to Be the Class ‘Value-dictorian’

‘Tis the season for exams, commencements, and a renewed focus on the future. But when it comes to dealing in the marketplace, everyone has the potential to be a value-dictorian. Before spending your hard-earned money, ask questions, do your homework, and speak up.

The Federal Trade Commission, the nation’s consumer protection agency, suggests that students and grads tap into these 10 tips to make the most of their money:

Keep your personal information to yourself. In the past five years, millions of Americans have been victims of identity theft, including many students. Protect your passwords, guard your credit card number, shred sensitive paperwork, and don’t leave your mail where it might tempt a potential identity thief.
Socialize safely online. Social networking sites can expose you to people with less than friendly intentions. Consider restricting access to your page. Post only information that you’re comfortable with the whole world knowing, because once it’s posted, you can’t take it back. Don’t post your full name, Social Security number, address, phone number, or bank and credit card account numbers. Be cautious about posting the name of your school, sports team, clubs, and where you work or hang out. Trust your gut and report any suspicions to the site and the police.
Consider the National Do Not Call Registry. As hard as it may be for your parents to believe, there may be times when you don’t want to be on the phone — especially when the caller is a stranger trying to sell you something. Visit donotcall.gov and register your phone number with the National Do Not Call Registry.
Stay away from “guarantees” of scholarships. Reputable groups don’t charge for information about scholarships. Steer clear of anyone “guaranteeing” you financial aid for college or vocational school — especially if they insist you pay them for the information first.
Don’t buy bogus weight loss products. Good health isn’t about a number on a scale. It’s about cultivating a positive attitude, enjoying a variety of foods, and staying fit and active. Take a pass on any product that promises easy or effortless weight loss; instead, focus on healthy habits that will last a lifetime.
Understand credit. Credit is more than just a plastic card; it’s your financial future. Before you sign on the dotted line, make sure you “speak credit.” That “permanent record” your teachers always warned you about? It’s called a credit report. Late payments now will come back to haunt you when you try to buy a car, get an apartment, or even land a job. Once you’ve established credit, get a free copy of your credit report at annualcreditreport.com.
P2P file-sharing can be risky. Peer-to-peer file-sharing can open the door to unwanted content, spyware, and viruses. If you decide to use file-sharing software, install it carefully. Otherwise, you might give strangers access not just to the files you intended to share, but also to other information on your hard drive, like email and personal documents. Remember that sharing copyrighted music or other entertainment via P2P can land you in legal hot water.
Travel scams turn spring breaks into spring busts. Who doesn’t dream of spending spring relaxing in the sun or snowboarding on some mountain? Be aware that scam artists target students who are looking for low-cost vacations. Before you show up at the airport with your sunscreen, review the tour package carefully and investigate the operator. Check out ftc.gov/travel for more travel tips.
Phishing scams reel in personal information. You’ve gotten emails claiming to be from your bank or ISP asking you to “verify” your credit card or checking account number. They’re from fraudsters phishing for your information. Never give out your personal information in response to an email. When in doubt, check it out by calling the company directly. Visit onguardonline.gov to learn more.
Some employment services are scams. Bona fide job placement services can help launch you in the career of your dreams. But bogus companies can scam you out of your money. Before paying any money to someone offering to help you land a job, check out who you’re doing business with.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

June 2006

FTC - Going, Going, Gone: Using Wire Transfers for Internet Auction Purchases Can Be Risky

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
Going, Going, Gone: Using Wire Transfers for Internet Auction Purchases Can Be Risky

Internet auction sites give buyers access to an incredible array of merchandise from around the world. And while many people are thrilled with their purchases, others have learned that transactions between buyers and sellers can be risky. The Federal Trade Commission (FTC), the nation’s consumer protection agency, says that buyers can reduce their financial risk when they’re shopping on Internet auctions by not using wire transfers to pay for their goods.

Wire transfers can be useful when you want to send funds to someone you know or trust — but they are not appropriate when you are doing business with a stranger. Why? If you wire money to buy an item from an Internet auction site — either through a money transmitter or directly to someone’s bank account — and something goes wrong, it is very likely that you will lose your payment and have no recourse.

Be suspicious of sellers who insist on cash wire transfers as the only form of payment they will accept. Ask to use another method of payment. If the seller insists on a cash wire transfer, it’s wise to call off the transaction. The seller’s insistence on a wire transfer is a signal that you probably are not going to get your item, and that you will lose your money.
In fact, to protect buyers and sellers, some auction sites now prohibit the use of wire transfers; most cash wire transfer companies also are warning consumers not to use their services to buy merchandise from sellers they don’t know personally.

Some Scams Start With “Second Chance Offers”
Nevertheless, scam artists pretending to be legitimate sellers continue to use a number of tricks to get potential buyers to wire them cash. A typical one is the “second chance offer” to losing bidders. The fraudster wants to “lure” the losing bidder off the auction site in an attempt to get him or her to wire funds. The scammer sends a message that claims to be from the auction site telling the buyer to wire payment. It looks real, but it’s a fake.

Other trick lines that investigators have seen to get unsuspecting buyers to wire funds:

“Our credit card account (online payment service) is having technical difficulties.”
“We’ve had problems in the past with buyers who pay with online payment services.”
“We’ll provide insurance for your wire transfer.”
“We’ll pay the fee for the wire transfer.”
Safer Payment Alternatives
Successful bidders have many payment options to choose from when using Internet auction sites. Credit cards and online payment services (they often accept credit card payments) are safest. Other options include debit cards, personal checks, cashier’s checks, money orders, or escrow services. Some sellers limit the types of payment they accept; many post that information on their auction listings.

As a rule, credit cards offer buyers the best protections. Online payment services offer some protections; look for them in the terms and conditions section of their websites. High volume sellers often accept credit cards directly, but don’t count on many small-scale sellers to send an item until they’ve received your cashier’s check or money order.

If you suspect an online auction transaction is fraudulent, report it to the FTC at ftc.gov. If the transaction violates the auction company’s policy, report it to the company, too. For other ways to avoid auction fraud, visit OnGuardOnline.gov/auctions. OnGuardOnline has practical tips from the federal government and the technology industry to help you stay on guard against Internet fraud, secure your computer, and protect your personal information.

June 2006

FTC - Video Games: Reading the Ratings on the Games People Play

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
Video Games: Reading the Ratings on the Games People Play

Video and computer games are popular among people of all ages. A recent study by the Kaiser Family Foundation found that 83 percent of children aged 8 to 18 live in homes with a video game console, and that 40 percent of them have the console in their bedroom.

The content of today’s video and computer games varies widely. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, game packages have information about the content that can help renters and buyers decide whether a particular game is suitable before they take it home.

The Entertainment Software Rating Board (ESRB), set up by the entertainment software industry’s trade association, maintains a two-part rating system for video and computer games: the rating symbol, such as E or M, which suggests the game’s age appropriateness and appears on the front of the game box; and content descriptors, like Blood and Gore, which point out specific elements of the game that have caused the rating and that may be of concern. They appear on the back of the box.

The ESRB also maintains a website, www.esrb.org, where visitors can enter the name of a game to see its rating and the descriptions of its content. The ESRB notes that ratings should be only one factor in the decision to buy or rent a particular game: personal taste, standards, and knowledge of what’s best for one’s family also come into play.

The FTC notes that players can change the content of a rated game by downloading software from the Internet onto their computers. These programs, called "mods," are created by game enthusiasts, and can make a game’s content more explicit than the rating indicates, and in turn, inappropriate for players like kids and teens. In addition, the ESRB says there’s no rating for content created by online players of a game, and that these games have a notice that says “Game Experience May Change During Online Play.”

Additional information about video and computer game content is available from parent groups and advocacy organizations that rate games according to criteria they’ve developed. Search engines on the web can point to these and other sources of information on game content.

Reading the Ratings
The ESRB’s rating symbols and content descriptors try to offer a guide to the themes and depictions to help consumers make selections. But they can be difficult to interpret unless you are familiar with the industry’s definitions.

Games rated AO (Adult Only) have content that is suitable only for people 18 and older. These games may include “prolonged scenes of intense violence and/or graphic sexual content and nudity.” According to the ESRB, intense violence means graphic and realistic-looking depictions of physical conflict, extreme and realistic blood, gore, weapons, and depictions of human injury and death. Strong sexual content includes graphic references to and depictions of sexual behavior, possibly including nudity.

Games rated M (Mature) “have content that may be suitable for people over 17,” and may contain “intense violence, blood and gore, sexual content, and strong language.” According to the ESRB, games rated M could include scenes showing the mutilation of body parts, graphic references and depictions of sexual behavior, and frequent or explicit profanity in addition to graphic and realistic-looking depictions of physical conflict, extreme and realistic blood, gore, weapons, and depictions of human injury and death.

Games rated T (Teen) have content that may be suitable for kids over 13. They may contain “violence, suggestive themes, crude humor, minimal blood and the use of strong language.” Specifically, the ESRB describes violence as involving aggressive conflict; suggestive themes as mild provocative references or materials; crude humor as depictions or dialogue involving “vulgar antics including ‘bathroom humor;’” and strong language as the use of profanity.

Games rated E10+ (Everyone 10 and older) have content that may be suitable for kids at least 10. These games may contain “more cartoon, fantasy, or mild violence, mild language, and/or minimal suggestive themes.” The ESRB describes cartoon violence as “violent actions involving cartoon-like situations and characters,” and “violence where a character is unharmed after the action has been inflicted.” Further, the organization describes fantasy violence as violent actions of a fantasy nature, involving human or non-human characters in situations easily distinguishable from real life; and mild violence as mild scenes depicting characters in unsafe and violent situations. Suggestive themes are described as having mild provocative reference or materials, and mild language is defined as mild to moderate use of profanity.

Games rated E (Everyone) have content that may be suitable for kids at least 6, and may contain “minimal cartoon, fantasy or mild violence and/or the infrequent use of mild language.” Mild violence is defined as “mild scenes depicting characters in unsafe and/or violent situations.”
Games rated EC (Early Childhood) have content that is intended for preschoolers at least 3. The ESRB says games with an EC rating contain no material that parents would find inappropriate.

Games rated RP (Rating Pending) are awaiting final rating from the ESRB. The symbol appears only in advertising for a game before it has been rated.
Decoding the Descriptors
The ESRB uses 32 different descriptors to provide information about what’s in a game. For example, according to the ESRB, Animated Blood means discolored and unrealistic depictions of blood, while Blood refers to depictions of blood, and Blood and Gore means depictions of blood or the mutilation of body parts, as well. Violence refers to scenes involving “aggressive conflict;” Fantasy Violence is intended to be easily distinguishable from real life; Mild Violence depicts characters in unsafe or violent situations; Sexual Violence refers to depictions of rape or other violent sexual acts, and Intense Violence refers to graphic and realistic-looking blood, gore, weapons, and depictions of human injury and death. Sexual Themes indicates “mild to moderate sexual references or depictions,” and possibly, partial nudity. Other content descriptors refer to alcohol, comic mischief, crude humor, drugs, gambling, language (profanity), mature humor, nudity, and the like.

The ESRB says its members’ advertising and promotional and marketing materials are monitored by the Advertising Review Council, a group that defines standards for advertising practices for interactive games, and monitors compliance among members of the industry.

To complain about a game rating or advertisement, visit www.esrb.org or www.ftc.gov.

June 2006

FTC - Keeping Laptops from Getting Lost or Stolen

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Facts for Consumers
Keeping Laptops from Getting Lost or Stolen

A laptop computer defines convenience and mobility. It enables you to work from home, a hotel room, a conference hall, or a coffee shop.

Maybe you’ve taken steps to secure the data on your laptop: You’ve installed a firewall. You update your antivirus software. You protect your information with a strong password. You encrypt your data, and you’re too smart to fall for those emails that ask for your personal information. But what about the laptop itself? A minor distraction is all it takes for your laptop to vanish. If it does, you may lose more than an expensive piece of hardware. The fact is, if your data protections aren’t up to par, that sensitive and valuable information in your laptop may be a magnet for an identity thief.

Chances are you’ve heard stories about stolen laptops on the news or from friends and colleagues. No one thinks their laptop will be stolen — at least not until they find the trunk of their car broken into, notice that their laptop isn’t waiting at the other side of airport security, or get a refill at the local java joint only to turn around and find their laptop gone.

OnGuardOnline.gov, a website managed by the federal government that is devoted to computer security, protecting personal information, and guarding against Internet fraud, suggests keeping these tips in mind when you take your laptop out and about:

Treat your laptop like cash. If you had a wad of money sitting out in a public place, would you turn your back on it — even for just a minute? Would you put it in checked luggage? Leave it on the backseat of your car? Of course not. Keep a careful eye on your laptop just as you would a pile of cash.

Keep it locked. Whether you’re using your laptop in the office, a hotel, or some other public place, a security device can make it more difficult for someone to steal it. Use a laptop security cable: attach it to something immovable or to a heavy piece of furniture that’s difficult to move — say, a table or a desk.

Keep it off the floor. No matter where you are in public — at a conference, a coffee shop, or a registration desk — avoid putting your laptop on the floor. If you must put it down, place it between your feet or at least up against your leg, so that you’re aware of it.

Keep your passwords elsewhere. Remembering strong passwords or access numbers can be difficult. However, leaving either in a laptop carrying case or on your laptop is like leaving the keys in your car. There’s no reason to make it easy for a thief to get to your personal or corporate information.

Mind the bag. When you take your laptop on the road, carrying it in a computer case may advertise what’s inside. Consider using a suitcase, a padded briefcase or a backpack instead.

Get it out of the car. Don’t leave your laptop in the car — not on the seat, not in the trunk. Parked cars are a favorite target of laptop thieves; don’t help them by leaving your laptop unattended. That said, if you must leave your laptop behind, keep it out of sight.

Don’t leave it “for just a minute.” Your conference colleagues seem trustworthy, so you’re comfortable leaving your laptop while you network during a break. The people at the coffee shop seem nice, so you ask them to keep an eye out while you use the restroom. Don’t leave your laptop unguarded — even for a minute. Take it with you if you can, or at least use a cable to secure it to something heavy.

Pay attention in airports. Keep your eye on your laptop as you go through security. Hold onto it until the person in front of you has gone through the metal detector — and keep an eye out when it emerges on the other side of the screener. The confusion and shuffle of security checkpoints can be fertile ground for theft.

Be vigilant in hotels. If you stay in hotels, a security cable may not be enough. Try not to leave your laptop out in your room. Rather, use the safe in your room if there is one. If you’re using a security cable to lock down your laptop, consider hanging the “do not disturb” sign on your door.

Use bells and whistles. Depending on your security needs, an alarm can be a useful tool. Some laptop alarms sound when there’s unexpected motion, or when the computer moves outside a specified range around you. Or consider a kind of “lo-jack” for your laptop: a program that reports the location of your stolen laptop once it’s connected to the Internet.

Visit OnGuardOnline.gov for more tips on securing your computer, protecting personal information whether you’re using a wireless connection or a traditional one, and guarding against Internet fraud. OnguardOnline.gov is maintained by the Federal Trade Commission, the nation’s consumer protection agency.

August 2006

FTC - ‘Free Government Grants’: Don’t Take Them For Grant-ed

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

‘Free Government Grants’: Don’t Take Them For Grant-ed

“Because you pay your income taxes on time, you have been awarded a free $12,500 government grant! To get your grant, simply give us your checking account information, and we will direct-deposit the grant into your bank account!”

Sometimes, it’s an ad that claims you will qualify to receive a “free grant” to pay for education costs, home repairs, home business expenses, or unpaid bills. Other times, it’s a phone call supposedly from a “government” agency or some other organization with an official sounding name. In either case, the claim is the same: your application for a grant is guaranteed to be accepted, and you’ll never have to pay the money back.

But the Federal Trade Commission (FTC), the nation’s consumer protection agency, says that “money for nothing” grant offers usually are scams, whether you see them in your local paper or a national magazine, or hear about them on the phone.

Some scam artists advertise “free grants” in the classifieds, inviting readers to call a toll-free number for more information. Others are more bold: they call you out of the blue. They lie about where they’re calling from, or they claim legitimacy using an official-sounding name like the “Federal Grants Administration.” They may ask you some basic questions to determine if you “qualify” to receive a grant. FTC attorneys say calls and come-ons for free money invariably are rip offs.

Grant scammers generally follow a script: they congratulate you on your eligibility, then ask for your checking account information so they can “deposit your grant directly into your account,” or cover a one-time “processing fee.” The caller may even reassure you that you can get a refund if you’re not satisfied. In fact, you’ll never see the grant they promise; they will disappear with your money.

The FTC says following a few basic rules can keep consumers from losing money to these “government grant” scams:

Don’t give out your bank account information to anyone you don’t know. Scammers pressure people to divulge their bank account information so that they can steal the money in the account. Always keep your bank account information confidential. Don’t share it unless you are familiar with the company and know why the information is necessary.
Don’t pay any money for a “free” government grant. If you have to pay money to claim a “free” government grant, it isn’t really free. A real government agency won’t ask you to pay a processing fee for a grant that you have already been awarded — or to pay for a list of grant-making institutions. The names of agencies and foundations that award grants are available for free at any public library or on the Internet. The only official access point for all federal grant-making agencies is www.grants.gov.
Look-alikes aren’t the real thing. Just because the caller says he’s from the “Federal Grants Administration” doesn’t mean that he is. There is no such government agency. Take a moment to check the blue pages in your telephone directory to bear out your hunch — or not.
Phone numbers can deceive. Some con artists use Internet technology to disguise their area code in caller ID systems. Although it may look like they’re calling from Washington, DC, they could be calling from anywhere in the world.
Take control of the calls you receive. If you want to reduce the number of telemarketing calls you receive, place your telephone number on the National Do Not Call Registry. To register online, visit www.donotcall.gov. To register by phone, call 1-888-382-1222 (TTY: 1-866-290-4236) from the phone number you wish to register.
File a complaint with the FTC. If you think you may have been a victim of a government grant scam, file a complaint with the FTC online at www.ftc.gov, or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

September 2006

FTC - Evaluating Diabetes Claims? Be Smart. Be Skeptical.

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Evaluating Diabetes Claims? Be Smart. Be Skeptical.

Evaluating online claims for diabetes products is a two-step process. First, be smart. Then, be skeptical. The Federal Trade Commission, the nation’s consumer protection agency, says it’s best to check any product out with your health care provider before you buy it. That’s because some fraudulent marketers try to make money by peddling products that sound great, but just don’t — and can’t — work as promised.

Here are some tips on how to spot scams before you get stung.

A promise that a product can cure diabetes is a tip-off to a rip-off. There’s no pill, patch, tea, herb, or other “miracle” treatment you can buy on the Internet that can make your diabetes go away forever.
Ads that promise too much generally deliver nothing. Don’t buy any product that claims it can do it all — stabilize your blood sugar, end your need for insulin, regenerate your pancreas, reduce your cholesterol, and cause easy weight loss.
A product that claims to be a “scientific breakthrough” may be a bust. Researchers around the world are racing to find better treatments for diabetes, so genuine scientific discoveries make front-page news. If the first you hear about a new treatment is an ad on the Internet, be suspicious.
Ads that try hard to sound scientific are suspect. Technical terms don’t necessarily mean medical proof. And the presence of a doctor in an ad is no guarantee the product works. Scam artists have been known to dress models to look like experts.
Don’t be swayed by a questionable “success” story. Despite what a company claims, there’s no guarantee that “A.B. of Hometown, USA” had the advertised results — or is even a real person.
A money-back guarantee does not prove that a product works. Scam artists who offer a guarantee have been known to take your money and run.
If an ad for a product makes you curious, ask your healthcare provider about it before you try it — or buy it. If you’re thinking about trying a new product, run it past a doctor, nurse, dietician, or other health professional who knows your case well.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

October 2006

FTC - How Not to Get Hooked by a ‘Phishing’ Scam

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
How Not to Get Hooked by a ‘Phishing’ Scam

“We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below and confirm your identity.”

“During our regular verification of accounts, we couldn’t verify your information. Please click here to update and verify your information.”

Have you received email with a similar message? It’s a scam called “phishing” — and it involves Internet fraudsters who send spam or pop-up messages to lure personal information (credit card numbers, bank account information, Social Security number, passwords, or other sensitive information) from unsuspecting victims.

According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, phishers send an email or pop-up message that claims to be from a business or organization that you may deal with — for example, an Internet service provider (ISP), bank, online payment service, or even a government agency. The message may ask you to “update,” “validate,” or “confirm” your account information. Some phishing emails threaten a dire consequence if you don’t respond. The messages direct you to a website that looks just like a legitimate organization’s site. But it isn’t. It’s a bogus site whose sole purpose is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

The FTC suggests these tips to help you avoid getting hooked by a phishing scam:

If you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either. Legitimate companies don’t ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company’s correct Web address yourself. In any case, don’t cut and paste the link from the message into your Internet browser — phishers can make links look like they go to one place, but that actually send you to a different site.
Area codes can mislead. Some scammers send an email that appears to be from a legitimate business and ask you to call a phone number to update your account or access a “refund.” Because they use Voice Over Internet Protocol technology, the area code you call does not reflect where the scammers really are. If you need to reach an organization you do business with, call the number on your financial statements or on the back of your credit card. In any case, delete random emails that ask you to confirm or divulge your financial information.
Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.

Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for antivirus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.

A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It’s especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software “patches” to close holes in the system that hackers or phishers could exploit.
Don’t email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization’s website, look for indicators that the site is secure, like a lock icon on the browser’s status bar or a URL for a website that begins “https:” (the “s” stands for “secure”). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security.
Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems.
If you believe you’ve been scammed, file your complaint at ftc.gov, and then visit the FTC’s Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can’t entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus. See www.annualcreditreport.com for details on ordering a free annual credit report.

You can learn other ways to avoid email scams and deal with deceptive spam at ftc.gov/spam.

October 2006

FTC - Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Facts for Consumers
Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education
Produced in cooperation with the Department of Justice’s U.S. Trustee Program

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.

The Department of Justice’s U.S. Trustee Program approves organizations to provide the mandatory credit counseling and debtor education. Only the counselors and educators that appear on the U.S. Trustee Program’s lists can advertise that they are, indeed, approved to provide the required counseling and debtor education. By law, the U.S. Trustee Program does not operate in Alabama and North Carolina; in these states, court officials called Bankruptcy Administrators approve pre-bankruptcy credit counseling organizations and pre-discharge debtor education course providers.

Counseling and Education Requirements
As a rule, pre-bankruptcy credit counseling and pre-discharge debtor education may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file.
In general, you must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education after you file for bankruptcy – but before your debts are discharged. Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these certificates. To protect against fraud, the certificates are produced through a central automated system and are numbered.

Pre-bankruptcy Counseling
A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person, on the phone, or online. The counseling organization is required to provide the counseling free of charge for those consumers who cannot afford to pay. If you cannot afford to pay a fee for credit counseling, you should request a fee waiver from the counseling organization before the session begins. Otherwise, you may be charged a fee for the counseling, which will generally be about $50, depending on where you live, the types of services you receive, and other factors. The counseling organization is required to discuss any fees with you before starting the counseling session.

Once you have completed the required counseling, you must get a certificate as proof. Check the U.S. Trustee’s website to be sure that you receive the certificate from a counseling organization that is approved in the judicial district where you are filing bankruptcy. Credit counseling organizations may not charge an extra fee for the certificate.

Post-Filing Debtor Education
A debtor education course by an approved provider should include information on developing a budget, managing money, using credit wisely, and other resources. Like pre-filing counseling, debtor education may be provided in person, on the phone, or online. The debtor education session might last longer than the pre-filing counseling – about two hours – and the typical fee is between $50 and $100. As with pre-filing counseling, if you are unable to pay the session fee, you should seek a fee waiver from the debtor education provider. Check the list of approved debtor education providers at www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm or at the bankruptcy clerk’s office in your district.

Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling. Check the U.S. Trustee’s website to be sure that you receive the certificate from a debtor education provider that is approved in the judicial district where you filed bankruptcy. Unless they have disclosed a charge to you before the counseling session begins, debtor education providers may not charge an extra fee for the certificate.

Important Questions to Ask When Choosing a Credit Counselor
It’s wise to do some research when choosing a credit counseling organization. If you are in search of credit counseling to fulfill the bankruptcy law requirements, make sure you receive services only from approved providers for your judicial district. Check the list at www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm or at the bankruptcy clerk’s office for the district where you will file. Once you have the list of approved organizations in your judicial district, call several to gather information before you make your choice. Some key questions to ask are:

What services do you offer?

Will you help me develop a plan for avoiding problems in the future?

What are your fees?

What if I can’t afford to pay your fees?

What qualifications do your counselors have? Are they accredited or certified by an outside organization? What training do they receive?

What do you do to keep information about me (including my address, phone number, and financial information) confidential and secure?

How are your employees paid? Are they paid more if I sign up for certain services, if I pay a fee, or if I make a contribution to your organization?
For More Information and Assistance
The U.S. Trustee Program promotes integrity and efficiency in the nation’s bankruptcy system by enforcing bankruptcy laws, providing oversight of private trustees, and maintaining operational excellence. The Program has 21 regions and 95 field offices, and oversees the administration of bankruptcy in all states except Alabama and North Carolina. For more information, visit www.usdoj.gov/ust.

If you have concerns about approved credit counseling agencies or debtor education course providers, such as the failure to provide adequate service, please contact the U.S. Trustee Program by email at USTCCDEComplaintHelp@usdoj.gov, or in writing at Executive Office for U.S. Trustees, Credit Counseling and Debtor Education Unit, 20 Massachusetts Avenue, N.W., Suite 8000, Washington, D.C., 20530. Provide as much detail as you can, including the name of the credit counseling organization or debtor education course provider, the date of contact, and whom you spoke with.

November 2006

FTC - P2P File-Sharing: Evaluate the Risks

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
P2P File-Sharing: Evaluate the Risks

Every day, millions of computer users share files online. Whether it is music, games, or software, file-sharing can give people access to a wealth of information. You simply download special software that connects your computer to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. The software often is free and easily accessible.

Sounds promising, right? Maybe, but make sure that you consider the trade-offs. The Federal Trade Commission (FTC), the nation’s consumer protection agency, cautions that file-sharing can have a number of risks. For example, when you are connected to file-sharing programs, you may unknowingly allow others to copy private files you never intended to share. You may download material that is protected by the copyright laws and find yourself mired in legal issues. You may download a virus or facilitate a security breach. Or you may unwittingly download pornography labeled as something else.

To secure the personal information stored on your computer, the FTC suggests that you:

Set up the file-sharing software very carefully. If you don’t check the proper settings when you install the software, you could open access not just to the files you intend to share, but also to other information on your hard drive, like your tax returns, email messages, medical records, photos, or other personal documents.
Be aware of spyware. Some file-sharing programs install other software known as spyware. Spyware monitors a user’s browsing habits and then sends that data to third parties. Sometimes the user gets ads based on the information that the spyware has collected and disseminated. Spyware can be difficult to detect and remove. Before you use any file-sharing program, get an anti-spyware program from a vendor you know and trust. Set it to scan on a regular basis — at least once a week — and every time you start your computer, if possible. And, delete any software programs the anti-spyware program detects that you don't want on your computer.

Close your connection. In some instances, closing the file-sharing program window does not actually close your connection to the network. That allows file-sharing to continue and could increase your security risk. If you have a high-speed or “broadband” connection to the Internet, you stay connected to the Internet unless you turn off the computer or disconnect your Internet service. These “always on” connections may allow others to copy your shared files at any time. What’s more, some file-sharing programs automatically open every time you turn on your computer. As a preventive measure, you may want to adjust the file-sharing program’s controls to prevent the file-sharing program from automatically opening.
Use an effective anti-virus program and update it regularly. Files you download could be mislabeled, hiding a virus or other unwanted content. Use anti-virus software to protect your computer from viruses you might pick up from other users through the file-sharing program. Not all anti-virus programs block files downloaded through file-sharing, so check your program’s capabilities and settings. In addition, avoid downloading files with extensions like .exe, .scr, .lnk, .bat, .vbs, .dll, .bin, and .cmd.
Talk with your family about file-sharing. Parents may not be aware that their children have downloaded file-sharing software on the family computer and that they may have exchanged games, videos, music, pornography, or other material that may be inappropriate for them. Also, because other peoples’ files sometimes are mislabeled, kids unintentionally may download these files. In addition, kids may not understand the security and other risks involved with file-sharing and may install the software incorrectly, giving anyone on the Internet access to the family’s private computer files.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

December 2006

ESPN Removes Poker Programming

4/20/2011

Posted on 4/20/2011 by America Monge
The U.S. has indicted gambling websites that sponsor televised tournaments and froze their bank accounts. As a result, ESPN, the most watched U.S. sports network will remove all poker advertising and programming, according to Bloomberg.

Bloomberg reported that the indictment names two principals from each company and others who allegedly worked with them to illegally process payments.

About 76 bank accounts have been frozen, preventing players from accessing balances held by the online betting companies. Some of these accounts include Pokerstars.com, Fulltiltpoker.com, Absolutepoker.com, Ultimatebet.com and UB.com.

To read full article, click here:
http://www.bloomberg.com/news/2011-04-18/disney-s-espn-removing-poker-programming-after-websites-charged.html

FTC - Avoiding Home Equity Scams

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Avoiding Home Equity Scams

Washington, DC — You could lose your home and your money if you borrow from unscrupulous lenders who offer you a high-cost loan based on the equity you have in your home. Certain lenders target homeowners who are elderly or who have low incomes or credit problems — and then try to take advantage of them by using deceptive practices. The Federal Trade Commission, the nation’s consumer protection agency, cautions all homeowners to be on the lookout for:

Loan Flipping: The lender encourages you to repeatedly refinance the loan and often, to borrow more money. Each time you refinance, you pay additional fees and interest points. That only serves to increase your debt.
Insurance Packing: The lender adds credit insurance, or other insurance products, to your loan, which you may not need.
Bait and Switch: The lender offers one set of loan terms when you apply, then pressures you to accept higher charges when you sign to complete the transaction.
Equity Stripping: The lender gives you a loan, based on the equity in your home, not on your ability to repay based on your income. If you can’t make the payments, you could end up losing your home.
Non-traditional Products: Many lenders offer loans in which the minimum payment does not cover the principal and interest due, causing your loan balance, and eventually, your monthly payments to increase. Also, many of these loans have variable interest rates, causing your monthly payment to increase further if the interest rate rises.
Deceptive Loan Servicing: The lender doesn’t provide you with accurate or complete account statements and payoff figures. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe.
Some of these practices violate federal credit laws dealing with disclosures about loan terms; discrimination based on age, gender, marital status, race, or national origin; and debt collection. You also may have additional rights under state law that would allow you to bring a law suit.

The FTC suggests if you’re thinking about using your home as collateral for a loan, be careful. Unless you can make the loan payments out of current income, you could lose your home as well as the equity you’ve already built up. Some additional tips to remember:

The lure of extra money or the chance to reduce monthly credit payments can be very costly in the long run. High interest rates and other credit costs could get you in over your head.
Insurance products may not be a good deal from a lender. If you want the added security of insurance, shop around.
Ask for a written estimate of costs when you apply, and don’t sign a loan agreement if the terms are not what you were given when you applied.

Ask for an explanation of any dollar amount, term, or condition that you don’t understand. Federal law is very clear about what credit and loan term information must be provided in writing when you apply for a loan and before you sign any agreement.
In addition, shop around for the best loan terms and interest rates. Contact lending institutions, such as banks and credit unions, and consult a legal or financial advisor, or someone you can trust before you make any loan decisions. Or contact your local Fair Housing Office, legal aid, or senior services organization for information and help.

February 2007

FTC - Shopping For a Mortgage? Your Application May Trigger Competing Offers

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Shopping For a Mortgage? Your Application May Trigger Competing Offers

If you apply for a mortgage, your inbox, answering machine, and mailbox may fill up quickly with competing offers from other mortgage companies. It’s not that the company you applied to is selling or sharing your information. Rather, it’s that creditors – including mortgage companies – are taking advantage of a federal law that allows them to identify potential customers for the products they offer, and then market to them. The Federal Trade Commission, the nation’s consumer protection agency, wants you to know why your application for a mortgage may trigger competing offers, how you can use them to your benefit, and how to stop getting them if that’s your choice.

The unsolicited calls, emails, and letters about competing offers often are called “prescreened” or “pre-approved” offers of credit. They are based on information in your credit report that suggests you meet criteria set by the creditor making the offer – for example, you live in a certain zip code, you have a certain number of credit cards, or you have a certain credit score. Credit bureaus and other consumer reporting companies sell lists of consumers who meet the criteria to insurance companies, lenders, and other creditors.

When you apply for a mortgage, the lender usually gets a copy of your credit report. At that point, an “inquiry” appears on your report showing that the lender has looked at it. The inquiry indicates you’re in the market for a loan. That’s why mortgage companies buy lists of consumers who have a recent inquiry from a mortgage company on their credit report. Federal law allows this practice if the offer of credit meets certain legal requirements.

Clearly, some mortgage companies benefit from the practice. But the FTC says consumers can benefit, too: prescreened offers can highlight other available products and make it easier to compare costs while you carefully check out the terms and conditions of any offers you might consider.

Still, some people may prefer not to receive prescreened offers of credit and insurance at all. Here’s how to stop them:

Call 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com. When you call this toll-free number or visit the website, you will be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential, and will be used only to process your request to opt out. Don’t enter any personal information until you have checked for indicators that the site is secure – a lock icon on your browser or a web address that begins https.

Opting out of prescreened offers does not affect your ability to apply for credit or to get it. Your opt out request will be processed within five days, but it may take up to 60 days before the prescreened offers stop coming. If you have a joint mortgage, both parties need to opt out to stop the prescreened offers. If or when you want to opt back in, use the same telephone number or website.

Put your phone number on the federal government’s National Do Not Call Registry to reduce the telemarketing calls you get at home. To register your phone number or to get information about the registry, visit www.donotcall.gov, or call 1-888-382-1222 from the phone number you want to register. You will get fewer telemarketing calls within 31 days of registering your number. Your number stays on the registry for five years, until it is disconnected, or until you take it off the registry.

That said, the FTC wants you to know that many companies use other tools to identify marketing prospects, and that the Do Not Call Registry won’t shield you from all telemarketers – for example, those with which you have a business relationship. Even if you opt out of prescreened offers and put your number on the National Do Not Call Registry, you can expect some unsolicited offers.
For more information about the Fair Credit Reporting Act, the law that spells out the terms under which companies can check credit reports, visit www.ftc.gov/credit.

February 2007

BBB Issues Alert for Phishing Attack Targeting Thousands of Businesses and Consumers

4/19/2011

Posted on 4/19/2011 by

Arlington, VA, February 13, 2007 - The Better Business Bureau System warns all businesses across the United States and Canada of a spoofing scam using the BBB name and a false BBB e-mail address to entice recipients to access potentially damaging hyperlinks.

A firm from Kennesaw, GA, had its computer system hacked last night. That firm's system is now generating thousands of counterfeit messages to businesses and consumers, purporting to be a complaint filed with the BBB. The incident was first reported to the BBB serving Columbus, GA and the surrounding area by one its members.

The e-mail has a false return address of operations@bbb.org and a phishing hyperlink citing a BBB complaint case number, for example, "DOCUMENTS FOR CASE #263621205". These links actually direct access to a subdirectory of the hacked firm's website where users are asked to download documents related to the complaint. The download is actually an executable file that is believed to be some form of a computer virus.

All recipients are advised that any e-mail from the operations@bbb.org address is not coming from any BBB and should be considered counterfeit. The BBB strongly encourages recipients of any such message to delete the message immediately without clicking on the "DOCUMENTS FOR CASE" links.

The phishing e-mail return address of operations@bbb.org does not exist and is being "spoofed." Spoofing occurs when an e-mail address is altered to appear as if the message originated from a legitimate source. This is a common practice for both spam e-mail and phishing operations.

Phishing is a term coined by computer hackers, who use e-mail to fish the Internet hoping to "hook" recipients into giving them logins, passwords and/or other sensitive information. In all these scams, the phisher first impersonates a legitimate company. In a typical scam, the phisher instructs recipients to click on a convenient link to receive or provide information that can then be used by phishers to access the recipient's sensitive personal or business information. For more information about phishing and for tips to avert other scams, please visit www.bbb.org.

An actual example of the false e-mail message is provided below. Names and other forms of identifying information have been removed from the example.

# # #

REPRESENTATIVE E-MAIL SAMPLE

From: operations@bbb.org [mailto:operations@bbb.org]
Sent: Tuesday, February 13, 2007 6:06 AM
To: XXXX
Subject: BBB Case #263621205 - Complaint for XXXX

Dear Mr./Mrs. XXXX

You have received a complaint in regards to your business services. The complaint was filled by Mr. XXXX on 02/05/2007/
Use the link below to view the complaint details:

DOCUMENTS FOR CASE #263621205

Complaint Case Number: 263621205
Complaint Made by Consumer Mr. XXXX
Complaint Registered Against: Company XXXX
Date: 02/05/2007

Instructions on how to resolve this complaint as well as a copy of the original complaint can be obtained using the link below:

DOCUMENTS FOR CASE #263621205

Disputes involving consumer products and/or services may be arbitrated. Unless they directly relate to the contract that is the basis of this dispute, the following claims will be considered for arbitration only if all parties agree in writing that the arbitrator may consider them:
- Claims based on product liability;
- Claims for personal injuries;
- Claims that have been resolved by a previous court action, arbitration, or written agreement between the parties.

The decision as to whether your dispute or any part of it can be arbitrated rests solely with the BBB.

The BBB offers its members a binding arbitration service for disputes involving marketplace transactions. Arbitration is a convenient, civilized way to settle disputes quickly and fairly, without the costs associated with other legal options.

FTC - When Yellow Pages Invoices Are Bogus

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Business Alert
When Yellow Pages Invoices Are Bogus
That invoice bearing the familiar “walking fingers” logo and the name “Yellow Pages” could be a camouflaged invitation to lose money.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, and the Yellow Pages Association (YPA) caution businesses that unscrupulous promoters are soliciting advertising for online, alternative, or nonexistent business directories. Although these directories appear to be legitimate Yellow Pages publications, they are not distributed to the public, posted on the Web, or promoted as promised. As a result, the directories — if they exist at all — offer no benefits to businesses that pay to advertise in them.

The solicitation to buy directory ad space or membership may look like an invoice and bear the “walking fingers” logo and the Yellow Pages name. Neither the name nor the logo is protected by federal copyright or trademark registration. That’s how fraudulent promoters are able to lead businesses to believe they are affiliated with local telephone directories distributed in a particular area.

Of course, not all solicitations you receive in the mail look like bills, invoices, or account statements. Your business may receive a check that looks like a refund or rebate check. Read the front and back carefully. By cashing the check, you may be agreeing to be billed monthly for something you don’t want or need, such as Internet access or membership in an online directory. Be skeptical when you receive offers from strangers. Some solicitations could violate the law if they misrepresent information.

The U.S. Postal Service requires solicitations that look like invoices, bills, or account statements to carry one of the following notices:

THIS IS NOT A BILL. THIS IS A SOLICITATION. YOU ARE UNDER NO OBLIGATION TO PAY THE AMOUNT STATED ABOVE UNLESS YOU ACCEPT THIS OFFER, or

THIS IS A SOLICITATION FOR AN ORDER OF GOODS OR SERVICES, OR BOTH, AND NOT A BILL, INVOICE OR STATEMENT OF ACCOUNT DUE. YOU ARE UNDER NO OBLIGATION TO MAKE ANY PAYMENTS ON ACCOUNT OF THIS OFFER UNLESS YOU ACCEPT THIS OFFER.

Before you buy directory advertising space, membership through a mail solicitation, or pay an “invoice,” take the following steps:

Check out the company and its publication. Call your local Yellow Pages publisher to see if it is affiliated with the soliciting company.
Ask for a copy of a previous directory edition.
Ask for the online directory’s Web address and call advertisers in the directory to ask if their listing has been a good buy. If your business is listed in the Yellow Pages of a legitimate publisher, you likely will be listed in their online directory at no charge.
Ask the publisher for written information about where the directory is distributed, how it is distributed, how often it is published, and distribution or circulation figures.
Check with your local and state consumer protection agencies to determine if any complaints have been filed about the publisher. This isn’t a guarantee, but it is a prudent step.
For More Information and to File a Complaint
If you think you’ve been victimized in a fraud scheme that involves the U.S. Mail, submit a Mail Fraud Complaint Form to the U.S. Postal Inspection Service at www.usps.com/postalinspectors/fraud/MailFraudComplaint.htm or call the U.S. Postal Service’s Mail Fraud Complaint Center at 1-800-372-8347.

Alert your State Attorney General. You can find contact information at www.naag.org, or check the blue pages of the phone book under State Government.

Submit a complaint to the Better Business Bureau at www.bbb.org.

In addition, you may direct questions about Yellow Pages publishers to: Yellow Pages Association, Connell Corporate Park, 200 Connell Drive, Suite 1700, Berkeley Heights, NJ 07922; www.ypassociation.org; 1-800-841-0639.

You also may contact the Consumer Response Center at the Federal Trade Commission.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair practices in the marketplace and to provide information to businesses to help them comply with the law. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2007

FTC - Slip Showing? Federal Law Requires All Businesses to Truncate Credit Card Information on Receipts

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Business Alert
Slip Showing?
Federal Law Requires All Businesses to Truncate Credit Card Information on Receipts
What’s on the credit and debit card receipts you give your customers? The Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s time for companies to check their receipts and make sure they’re complying with a law that’s been in effect for all businesses since December 1, 2006.

According to the federal Fair and Accurate Credit Transaction Act (FACTA), the electronically printed credit and debit card receipts you give your customers must shorten — or truncate — the account information. You may include no more than the last five digits of the card number, and you must delete the card’s expiration date. For example, a receipt that truncates the credit card number and deletes the expiration date could look like this:

ACCT: ***********12345
EXP: ****
Why is it important for businesses to make sure they’re complying with this law? Credit card numbers on sales receipts are a “golden ticket” for fraudsters and identity thieves. Savvy businesses appreciate the importance of protecting their customers — and themselves — from credit card crime.

But there are other important reasons to make sure your slips are ship-shape. Noncompliance could open a company up to an FTC law enforcement action, including civil penalties and injunctive relief. In addition, the law allows consumers to sue businesses that don’t comply and to collect damages and attorney’s fees.

While Congress passed this provision in December 2003, it has been phased in gradually, requiring merchants with newer electronic card processing machines to comply by December 2004. Merchants with older machines were given until December 1, 2006. So now all companies that electronically print credit or debit card receipts must truncate the information on the copy they give their customers. That’s why it’s important to make sure all your equipment complies with the law.

Several details of the law are worth noting: It applies only to electronically printed receipts, not to handwritten or imprinted ones. And it applies only to receipts you give your customer at point of sale, not to any transaction record you retain. Be aware, however, that when you keep your customers’ personal information — including account data — you have an obligation to keep it safe. Read Protecting Personal Information: A Guide for Business, available at ftc.gov/infosecurity, for tips on safeguarding sensitive data.

For More Information
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair practices in the marketplace and to provide information to businesses to help them comply with the law. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Your Opportunity to Comment
The National Small Business Ombudsman and 10 Regional Fairness Boards collect comments from small businesses about federal compliance and enforcement activities. Each year, the Ombudsman evaluates the conduct of these activities and rates each agency's responsiveness to small businesses. Small businesses can comment to the Ombudsman without fear of reprisal. To comment, call toll-free 1-888-REGFAIR (1-888-734-3247) or go to www.sba.gov/ombudsman.

May 2007

Business Travelers Beware: Free Wi-Fi Scam Strikes at Airports

4/19/2011

Posted on 4/19/2011 by

In order to keep up in today’s world, a business needs to make sure its employees stay connected, even on the road. Many airports and other public spaces offer free wireless, or Wi-Fi, connections for the public to log onto the Internet from their laptop computers. The Better Business Bureau (BBB) warns that hackers are now taking advantage of this convenience and setting up fake Wi-Fi connections designed to steal your personal information and files without you even knowing.

How it works

Although hackers can and have set up fake Wi-Fi connections in a number of venues, usually they will target consumers at airports. When searching for connections, consumers may see a network connection available that could be simply named “Free Wi-Fi.” Thinking it’s the free connection offered by the establishment, they’ll log on. Unfortunately, the network may actually be an “ad-hoc” network, or a peer-to-peer connection. The user will be able to surf the Internet, but they’re doing it through the hacker’s computer. And the whole time, the hacker is stealing information like passwords, credit card and bank account numbers, and social security numbers. Beyond simply stealing keystroke information as the user enters various types of data, if the PC is set to share files, the hacker could even steal whole documents from the computer.

Airports across the nation continue to report on Wi-Fi security issues. Officials in Atlanta, New York LaGuardia and Los Angeles airports have all reported the existence of ad-hoc networks advertised as free Wi-Fi connections. An investigation revealed that Chicago O’Hare had 20 ad-hoc networks present that were potentially designed with the intent of hacking into unsuspecting user’s computers and networks.

The BBB offers the following advice on how to keep yourself safe when you go wireless:

Never connect to an unfamiliar ad-hoc network—even if the name sounds genuine. A hacker can change the name of his network to anything he wants, including the name of the legitimate Internet connection offered by the airport. Just because it has the same name as the Wi-Fi advertised in the airport, don’t believe it. For more information on how to distinguish between an ad-hoc network and a normal Wi-Fi network with Windows Vista or XP visit http://support.microsoft.com.
Make sure that your computer is not set up to automatically connect to non-preferred networks. Otherwise your computer could automatically connect to the hacker’s network without your knowledge.
Turn off file sharing when you’re on the road to prevent hackers from stealing entire documents, files and unencrypted e-mail from your computer.
Create a Virtual Private Network (VPN) for your business. A VPN establishes a private network across the public network by creating a tunnel between the two endpoints so that nobody in between can intercept the data. Many companies allow remote users to connect to corporate networks as long as they use VPN. This keeps the users' communications just as secure as if they were sitting at a desk in the building.

The BBB is here to help with advice you can trust. For more information on identity theft, fraud prevention, and keeping your company secure online, visit www.bbb.org.

Better Business Bureau Consumer Watch: BlueHippo Funding, LLC

4/19/2011

Posted on 4/19/2011 by

ARLINGTON, VA – June 21, 2007 -- The Council of Better Business Bureaus (CBBB) is cautioning consumers across the United States regarding BlueHippo Funding, LLC (BlueHippo), a financial services company offering computers, electronics and other merchandise via a hybrid layaway and installment financing plan aimed at low income consumers and those with poor credit ratings.

The BBB System has logged more than 1,400 complaints from all 50 states against BlueHippo in the past three years. Due to this pattern of complaints and BlueHippo’s failure to correct the underlying causes for the complaints, the company is rated ‘unsatisfactory’ by the BBB System.

“More than 65 percent of the complaints against BlueHippo fall into one of three categories; high pressure sales practices, non-delivery of promised merchandise, and unwillingness to provide a refund or exchange,” said, Steve Cox, Vice President of communications for the CBBB. “Basically, consumers tell us they are being sold on a product and payment plan, aren’t getting what they’ve paid for in a timely manner, and have no way to get their money back.”

BlueHippo – a Maryland-based company advertising nationally through television, direct mail and the Internet – targets individuals or families with fixed or low incomes, as well as people with little or no credit. It has been reported that prime prospects appear to be families, typically with about a $25,000 per year annual income.

Before any merchandise is shipped, BlueHippo requires customers to establish a record of nine consistent payments – usually in the form of an initial deposit followed by weekly payments – all of which are debited directly from consumers’ checking accounts.

Along with what appear to be affordable financing offers for well-known brand name computers and other electronic equipment, BlueHippo also entices consumers with promises of free televisions, printers, or other home computer and electronics merchandise. The computers the company finances are generally low-end models, and many consumers allege that due to BlueHippo’s financing payment schedule, they generally pay up to four times more than the computer would actually cost had they bought it in-store.

BlueHippo notes that consumers may cancel at any time within the initial nine-week deposit payment period. However, company policy does not allow for refunds, and instead gives customers “credit” to purchase products available on the company’s Web site. As a result of this policy, BBBs are now beginning to receive additional complaints from consumers who never received the merchandise they bought with their store credit.

Many complaints to BBBs allege problems in receiving promised merchandise. As an example, a Maryland woman reported that she paid the company $2,200 for what she claims was a $600 computer. Through electronic debits from her checking account, she paid BlueHippo an initial fee of $99 and then $41.98 per week to establish a credit history. Ultimately, the computer was delivered, but four months late, and only after she contacted the company numerous times. Now, six months after making her final payment on the computer, she has yet to receive the free 20” plasma television and printer promised by BlueHippo.

“While BlueHippo has attempted to address complaints, and has delivered some merchandise, overall the company does not meet BBB standards for marketplace behavior and is not measuring up in terms of trust with consumers,” said Cox.

The BBB isn’t the only organization scrutinizing BlueHippo’s business practices. A recent settlement reached between the Maryland Attorney General’s office and BlueHippo requires the company to offer restitution to Maryland consumers.

BlueHippo denied that it engaged in any unfair or deceptive trade practices or otherwise violated the law, but did agree to settle and has since discontinued selling to consumers in the state of Maryland.

Several other attorney general offices have now subpoenaed BBB complaints, with lawsuits having been filed in a number of states. As well, the Federal Trade Commission (FTC) reports that it has accumulated 8,000 pages of consumer complaints about BlueHippo.

For more information about BlueHippo, see its BBB Reliability Report at: www.baltimore.bbb.org/commonreport.html?bid=23014013. To file a complaint against BlueHippo, or to check out one of the more than three million other BBB Reliability Reports on businesses, go to www.bbb.org.

###

About the BBB System

BBB is an unbiased, non-profit entity that sets and upholds high standards for fair and honest business behavior. Businesses and charities that earn BBB membership contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business Reliability Reports and charity Wise Giving Reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers who need help with unfair or unethical business treatment. The first BBB was founded in 1912. Today, 128 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information about the BBB System.

Are You Falling Behind on Your Mortgage Payments?

4/19/2011

Posted on 4/19/2011 by

Arlington, VA, July 24, 2007 - Mortgage foreclosures are up; interest rates are up; and the number of houses for sale that are languishing on the market is up. About the only thing that is "down" these days is the troubled homeowner who is having difficulty making his or her mortgage payment.

The Better Business Bureau has developed a new educational resource - BBBTips™ for Troubled Homeowners --to assist those who fear they can longer afford to meet their mortgage obligation.

"Whether you are a couple of months behind in your mortgage payment or a couple of weeks behind, there are positive steps you can take to protect the value of your investment. The BBB wants troubled homeowners to know that they are not alone and they are not without options," said Steve Cole, president and CEO of the Council of Better Business Bureaus.

"Troubled mortgage-holders are no exception. BBBs are assisting with an increasing number of complaints about foreclosure 'rescue' businesses that promise homeowners a fail-safe solution. Victims report unknowingly signing over the deed to their house; having to pay rent to live in their own home; or confronting a buy-back deal that exceeds the value of their home," Cole said.

BBBTips™ for Troubled Homeowners outlines the options that are available to financially-pinched homeowners, from those who are anxiously awaiting a "reset" of their adjustable rate mortgage to those who may already be on the road to foreclosure.

The BBB system's new educational resource is available online at www.bbb.org/tips/clearpoint. Topics include:

Reasons behind the current rise in mortgage foreclosures;
Advice for homeowners on assessing their personal situation;
Steps to take if you can't make your monthly mortgage payment;
Seeking assistance from a non-profit housing counselor; and,
Avoiding foreclosure "rescue" scams.

BBBTips™ for Troubled Homeowners is sponsored by ClearPoint Financial Solutions, Inc.™, a System-wide member of the Better Business Bureau. This is the latest release in a series of BBBTips™ resources on credit and debt issues.

"We join with the BBB to provide practical information to help homeowners who are worried about losing their homes. The sooner they develop a plan of action, the greater their chances to improve their financial situation," said Dan Oelrich, President and CEO of ClearPoint.

The BBBTips™ program supplements other helpful information provided by Better Business Bureaus to promote an ethical marketplace. In 2006, the 129 BBBs serving communities across the United States and Canada helped consumers and businesses with more than 105 million instances of service.

# # #

About ClearPoint Financial Solutions, Inc.

ClearPoint Financial Solutions, Inc.™ (formerly Consumer Credit Counseling Services of America, Inc.) is a national non-profit organization dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1980, ClearPoint has helped over one million individuals achieve financial security. ClearPoint is the only non-profit System-wide member of the Better Business Bureau (BBB), and one of the largest members of the National Foundation for Credit Counseling (NFCC). Headquartered in Richmond, Virginia, ClearPoint manages branches across the country. Personalized and confidential consultations are available in person, by phone or online. Visit ClearPoint Financial Solutions at www.ClearPointFinancialSolutions.org or call 877-877-1995. Credit Counselors, CDC Consumer Debt Counseling, and Solutions, Inc. are all trade names of ClearPoint.

ABOUT BBBTips™

BBBTips™ is a trademark of the Council of Better Business Bureaus, Inc. (CBBB) used for information provided to assist consumers and businesses in making informed and intelligent decisions. BBBTips™ are developed in partnership with the Better Business Bureau Consumer Education Foundation, Inc. and made possible, in part, through the generous financial and technical support provided by corporate sponsors that are members of the CBBB and of the Better Business Bureau where the sponsor is headquartered. As a matter of policy, the CBBB and Better Business Bureaus do not endorse any product, service or company.

Mortgage Foreclosure Scams on the Rise, Warns the BBB:Foreclosure “Rescue” Companies May Promise to Save Your Home, but Only Empty Your Wallet

4/19/2011

Posted on 4/19/2011 by

August 16, 2007 Arlington, VA—Across the U.S., homeowners facing mortgage foreclosure are being scammed by foreclosure “rescue” companies promising to save their house but that only take their money. In light of this emerging trend, the Better Business Bureau (BBB) warns that gloomy forecasts for the housing and financial markets means that increasingly more people could fall prey to mortgage foreclosure scams in the coming months and years.

“According to estimates, as many as 1.7 million homeowners could lose their house to foreclosure in the next couple years,” said Steve Cox, spokesperson for the Better Business Bureau. “These people will be in the desperate position of trying to save their home and they’ll look for someone to trust. Unfortunately, con artists are seeing their chance to step in and make a fast buck off of troubled homeowners from Palm Springs to Pittsburgh.”

In recent months, the BBB has heard from victims of foreclosure rescue schemes in almost all 50 states. Not surprisingly, states with the highest foreclosure rates—such as Georgia, Colorado and Ohio—have an exceptionally high number of complaints for companies offering foreclosure rescue.

BBBs nationwide have received hundreds of complaints from homeowners who enlisted the help of unscrupulous mortgage foreclosure rescue companies and they all tell a similar story.

Typically, homeowners report that they were either contacted directly by a mortgage foreclosure rescue company or came across a Web site while searching for help to stop foreclosure on their home. The companies claimed they would renegotiate the terms of their mortgages and stop foreclosure actions, or the homeowners would get their money back. Victims, who were desperate to keep their homes, paid as much as $1,300. In the end, the companies did very little work or often nothing at all. Most victims, not only lost their homes, but they also have not been able to get promised refunds, either.

In the last three years, the Clearwater, FL BBB received 508 complaints for foreclosure services headquartered in their area. Of those complaints, 322 came within the last 12 months. The total amount of refunds requested by the complainants in the Clearwater area amounts to more than $600,000.

The Charlotte BBB reports that last year only two mortgage foreclosure rescue companies operated in the Charlotte area, but now the number has now jumped to 15—six of which have government actions against them including cease and desist requests, temporary restraining orders or consent judgments.

The Cleveland BBB reports a similar dramatic increase—21 new companies offering mortgage foreclosure rescue opened in the Cleveland area in the past year alone.

“BBBs across the nation are hearing the same story from victims over and over again.” added Cox. “Desperate homeowners are duped into a false sense of security by crooked companies and think their prayers have been answered and their homes will be saved. Unfortunately, many people are losing a lot of money and their houses through untrustworthy foreclosure rescue operations.”

The BBB offers the following advice for homeowners facing mortgage foreclosure:

Contact your BBB or go to www.bbb.org to request a free Reliability Report before paying any “rescue” company. You can also check with your state Attorney General and state Real Estate Commission.
Beware of the personal approach. Some less-than-ethical businesses will stuff a handwritten note in your front door or mailbox that implies that “help” is available from someone who has your best interests in mind.
Talk to your lender. The first thing you should do is talk to your mortgage company about how to restructure your loan payment or refinance.
Never sign a contract under pressure and never sign away ownership of your property. Ask a trusted family member, your attorney or a financial professional to review any paperwork you may be asked to sign.
If you feel you have been taken advantage of by an unethical mortgage foreclosure “rescue” company, file a complaint with your BBB at www.bbb.org.

For more trustworthy advice and tips for troubled homeowners, go to www.bbb.org.

# # #

About the BBB System

BBB is an unbiased organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB membership contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business Reliability Reports and charity Wise Giving Reports, 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, 128 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information about the BBB System.

# # #
Reporters and journalists may contact Steve Cox, CBBB's Vice President, Communications, or call 703.276.0100 to request an interview or additional information.

If you are a consumer who is seeking additional information, or need assistance with a complaint against a business, please contact your local BBB, visit the BBB web site (www.bbb.org) or call 703.276.0100.

FTC - Deceptive Mortgage Ads: What They Say; What They Leave Out

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Deceptive Mortgage Ads: What They Say; What They Leave Out

If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or in the paper, or whether they come by fax or mail, some of these ads look like they’re from your mortgage company or a government agency. Regardless of where you see the ads, remember that while the offers are tempting, some are terribly flawed: they don’t disclose the true terms of the deal as the law requires.

The Federal Trade Commission, the nation’s consumer protection agency, says that when you’re shopping for a home loan, it’s important to understand all the terms and conditions of a proposed loan. Start with what is in the ad itself. Read what’s between the lines as well as what’s in front of your eyes.

What The Ads Say
To help you recognize an offer that may be less than complete, the FTC wants you to know the buzz words that should trigger follow-up questions, as well as information to insist on after you’ve read an ad.

A Low “Fixed” Rate: Ads that tout a “fixed” rate may not tell you how long it will be “fixed.” The rate may be fixed for an introductory period only, and that can be as short as 30 days. When you shop for a mortgage, you need to know when and how your rate, and payments, can change.

Very Low Rates: Are the ads talking about a “payment” rate or the interest rate? This important detail may be buried in the fine print, if it’s there at all. The interest rate is the rate used to calculate the amount of interest you will owe the lender each month. The payment rate is the rate used to calculate the amount of the payment you are obligated to make each month. Some offers advertise a low payment rate without telling you that it applies only during an introductory period. What’s more, if the payment rate is less than the interest rate, you won’t be covering the interest due. This is called “negative amortization.” It means that your loan balance is actually increasing because you’re not paying all the interest that comes due, and the lender is adding the unpaid interest to the balance you owe.

Very Low Payment Amounts: Ads quoting a very low payment amount probably aren’t telling the whole story. For example, the offer might be for an Interest Only (I/O) loan, where you pay only the amount of interest accrued each month. While the low payment amount may be tempting, eventually, you will have to pay off the principal. Your payment may go up after an introductory period, so that you would be paying down some of the principal – or you may end up owing a “balloon” payment, a lump sum usually due at the end of a loan. You must come up with the money when a balloon payment is due. If you can’t, you may need another loan, which, in turn, means new closing costs, and potentially points and fees. And if housing prices are falling, you might not be able to refinance to lower your payments.

Mortgage rates near 30-year lows! Rates as low as 1%! You are paying too much! Who doesn’t want to reduce their mortgage payments? Loan amount $300,000 - pay only $900 per month!: Ads with “teaser” short term rates or payments like these don’t often disclose that a rate or payment is for a very short introductory period. If you don’t nail down the details in advance about your rates and payments for every month of the life of your loan, expect payment shock when the rate and payment increase dramatically.

Important Notice From Your Mortgage Company. Open Immediately - Important Financial Information Enclosed. Please do not discard - account information enclosed: Appearances can be deceiving. Mailers that have information about your mortgage and your lender may not be from your lender at all, but rather from another company that wants your business. Companies can legally get your information from public records. Before you respond to any offer, review it carefully to make sure you know who you’re dealing with.

You are eligible to take part in an exclusive interest rate reduction program. This financial institution has been licensed to negotiate your existing adjustable mortgage to a new fixed rate mortgage. You must contact us immediately regarding this notice. Some businesses use official-looking stamps, envelopes, forms, and references to make you think their offer is from a government agency or program. If you’re concerned about a mailing you’ve received, contact the government agency mentioned in the letter. If it’s a legitimate agency – and not one that just sounds like a government agency – you’ll find the phone number in the Blue Pages of your telephone directory.

What the Ads Don’t Say
The APR: The Annual Percentage Rate is a critical factor in comparing mortgage offers from different lenders. It is the total cost of the credit expressed as a yearly interest rate. This rate is different than the simple interest rate on your loan note, because the APR includes all costs of the credit such as points and processing fees. Knowing the APR makes it easier to compare “apples to apples” when considering mortgage offers. Look for the APR for your loan. The amount may not be in the ad at all; it may be hidden in the fine print, or it may be available deep within a website after multiple clicks.

Important Payment Information: It’s hard to know what you don’t know, and often, some of the most important information you need isn’t in the ad, is hidden in the fine print, or is available only at a website after many clicks. To make an informed judgment about any mortgage offer, you need to know – or ask:

What will the monthly payment be for every month of the loan, and could it increase? When could it increase? What would your new payment be? Could your monthly payment increase more than once?
Does the monthly payment include an escrow amount to pay for your property taxes and homeowners insurance? Or must you pay these costs on your own? If you have to pay on your own, ask your lender for an estimate so you can budget accordingly.
What is the term of the loan (for example, 15 years? 30 years?)? How many payments will you have to make? Would the loan be paid off at the end or would you still owe a “balloon” payment?
Will you have to pay prepayment penalties to refinance and pay off the loan early? If so, how much, and when would they apply? If the loan has an introductory or teaser rate, can you refinance, without penalties, before the rate resets and your payment increases?
For More Information
To learn more about shopping for mortgages, visit www.ftc.gov/credit and click on Mortgages & Real Estate.
The Federal Reserve Board also has several helpful publications and a mortgage comparison calculator at www.federalreserve.gov/consumers.htm

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

September 2007

FTC - After a Disaster: Spam May Scam

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

After a Disaster: Spam May Scam

Have you received unsolicited email asking for a donation to help victims of an emergency or with news about it? If so, you may have been the target of a scam.

According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, some fraud artists are taking advantage of an emergency situation to rip-off people who want to help victims or who are looking for news about it.

Charity Spam
One scam involves requests for donations to bogus charities. Spammers send email claiming they are providing aid to victims and directing you to websites that look legitimate, reference well-known charities, or have names that sound similar to well-known, legitimate, and respected charitable organizations. In fact, the spammers keep most — or all — of the funds they collect for themselves.

If you get an email that interests you in helping those affected by an emergency, the FTC has these tips to help you give wisely:

Donate to recognized charities you have given to before. Be on the alert for charities that seem to have sprung up overnight. They may be well-meaning, but they lack the infrastructure to provide assistance.
Give directly to the charity, not to the solicitors for the charity. Solicitors take a portion of the proceeds to cover their costs and that leaves less for victim assistance.

Do not give out personal or financial information — including your Social Security number or credit card and bank account numbers — to anyone who solicits a contribution from you. Scam artists use this information to commit fraud against you. Never send cash: there’s no way to ensure that the organization received your donation.

Check out any charities before you donate. Contact the Better Business Bureau’s Wise Giving Alliance at www.give.org.

News Spam
Some computer hackers are pasting a snippet of news about an emergency situation into an email, with a link to “read more.” If you click on the link, you may be unwittingly starting a process that secretly installs software giving the hackers control over your computer. It’s called “spyware,” and it allows the hacker to access the data and programs on your computer, or even take control over computers and use them to send spam.

Computer security experts and federal officials caution consumers not to click on links in, or reply to, unsolicited email offering news about emergencies or asking for donations to help the victims. And they recommend that consumers not cut and paste any links from an unsolicited email message into their own Internet browsers. Scammers can make links look like they go to one place, but actually send computer users to a different site.

How can you detect spyware on your computer? Your computer may suddenly take a long time to run the programs you use; you may get random error messages; or you may find new and unexpected icons or toolbars on your screen.

How can you get rid of it? Security experts advise you to take three steps:

Get an anti-spyware program from a vendor you know and trust.
Set it to scan on a regular basis — at least once a week — and every time you start your computer, if possible.

Delete any software programs the anti-spyware program detects that you don’t want on your computer.

For information about an emergency, visit a government website or a news website that you know. Government websites have a “.gov” address. A good place to start is www.usa.gov.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

October 2007

FTC Explains ‘Made in USA’ Standard To Confirm Consumer Confidence

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

FTC Explains ‘Made in USA’ Standard To Confirm Consumer Confidence

In the aftermath of the September 11 attack on the World Trade Center and the Pentagon, news reports suggest that more American consumers are seeking out products that are "Made in the USA" with the expectation that the claim is truthful and accurate.

According to the Federal Trade Commission, "Made in USA" means that "all or virtually all" the product was, indeed, made in America. The agency enforces the standard to ensure commercial compliance and confirm consumer confidence.

For a "Made in USA" claim to be accurate, all significant parts, processing and labor that go into the product must be of U.S. origin. Products should not contain any — or only negligible — foreign content.

According to FTC officials, there's no law that requires manufacturers and marketers of most products to disclose U.S. content. In fact, except for automobiles and textile and wool products, it's a manufacturer or advertiser's choice to say whether a product is domestic. But those who choose to make the claim must adhere to the "all or virtually all" standard.

While the FTC enforces the "Made in USA" standard, it's the U.S. Customs Service that oversees the requirements that imported goods be marked with a foreign country of origin (for example, "Made in Japan").

If you believe that a product is being erroneously promoted as "Made in USA" because it wasn't - or because it contains significant foreign parts or processing - call the FTC, toll-free, at 1-877-FTC-HELP or file a complaint online at ftc.gov. If you are aware of import or export fraud, call the U.S. Customs Service Commercial Fraud Hotline, 1-800-ITS-FAKE.

PubDate

FTC - Safeguarding Customers' Personal Information: A Requirement for Financial Institutions

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
Safeguarding Customers' Personal Information:
A Requirement for Financial Institutions
Many financial institutions' transactions with customers involve the collection of personal information: names, addresses and phone numbers; bank and credit card account numbers; income and credit histories; and Social Security numbers. The Gramm-Leach-Bliley (GLB) Act, a federal law, requires that financial institutions take steps to ensure the security and confidentiality of this kind of customer data.

Now, as part of its implementation of the GLB Act, the Federal Trade Commission (FTC) is issuing a rule to require the financial institutions under its jurisdiction to safeguard customer records and information.

The Safeguards Rule applies to individuals or organizations that are significantly engaged in providing financial products or services to consumers, including check-cashing businesses, data processors, mortgage brokers, nonbank lenders, personal property or real estate appraisers, and retailers that issue credit cards to consumers.

According to the Safeguards Rule, financial institutions must develop a written information security plan that describes their program to protect customer information. All programs must be appropriate to the financial institution's size and complexity, the nature and scope of its activities, and the sensitivity of the customer information at issue. Covered financial institutions must:

designate the employee or employees to coordinate the safeguards;

identify and assess the risks to customer information in each relevant area of the company's operation, and evaluate the effectiveness of current safeguards for controlling these risks;

design a safeguards program, and detail the plans to monitor it;

select appropriate service providers and require them (by contract) to implement the safeguards; and

evaluate the program and explain adjustments in light of changes to its business arrangements or the results of its security tests.
Experts suggest that three areas of operation present special challenges and risks to information security: employee training and management; information systems, including network and software design, and information processing, storage, transmission and retrieval; and security management, including the prevention, detection and response to attacks, intrusions or other system failures. The Rule requires financial institutions to pay special attention to these areas.

The Safeguards Rule is available at www.ftc.gov. To find out whether your company is considered a financial institution, check section 313.3(k) of the Commission's Privacy Rule and related materials at ftc.gov/privacy/glbact/index.shtm.

FTC- Explains ‘Made in USA’ Standard To Confirm Consumer Confidence

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert
FTC Explains ‘Made in USA’ Standard To Confirm Consumer Confidence

In the aftermath of the September 11 attack on the World Trade Center and the Pentagon, news reports suggest that more American consumers are seeking out products that are "Made in the USA" with the expectation that the claim is truthful and accurate.

PubDate

BBB Wise Giving Alliance Advises Donors on California Wildfire Relief Efforts: Do Your Research When Giving to Charities

4/19/2011

Posted on 4/19/2011 by

[October 25, 2007] Arlington, VA – Many Americans want to help the thousands of Southern Californians displaced by the wildfires, and the most common way people across the country can do this is by making donations to the many relief agencies and charities already at work.

However, as with every natural disaster, there are some unscrupulous people who will attempt to take advantage of the public’s eagerness to help victims and the BBB Wise Giving Alliance offers the following advice for donors to ensure their donations go to trustworthy relief efforts.

“In the face of any disaster, Americans will immediately step forward with donations to aid the victims and their families,” said Art Taylor, CEO of the BBB Wise Giving Alliance. “Unfortunately, as we saw after Hurricane Katrina, scammers will try to take advantage of the generosity of the public; that’s why it’s important to take your time and do your research before donating to a charity relief effort.”

The BBB Wise Giving Alliance offers the following advice to make sure your donations go to worthy charities and relief efforts:

Before making a contribution, go to www.bbb.org/charity to obtain detailed evaluative reports on many of the relief organizations providing assistance.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Do not hesitate to ask for written information that describes the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.
Find out what the charity intends to do with any excess contributions remaining after they have fully funded the disaster relief activities mentioned in solicitations.
Do not give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.
Keep an eye out for fake charities that imitate the name and style of well-known organizations in order to confuse people and potentially steal personal information such as credit card numbers.
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.
Think twice about donating to any charity that is inexperienced in carrying out relief efforts but is suddenly soliciting for aid for Southern California. Although well intentioned, such organizations may not have the ability to quickly deliver aid to those in need.
Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.
Do not give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.
To help ensure your contribution is tax deductible, donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on www.irs.gov for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

For more information on the BBB Wise Giving Alliance and to view more than one thousand BBB Wise Giving Reports^TM on charities across the nation go to www.give.org.

# # #

About the BBB System

BBB is an unbiased, non-profit entity that sets and upholds high standards for fair and honest business behavior. Businesses and charities that earn BBB membership contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business Reliability Reports and charity Wise Giving Reports, 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, 128 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information about the BBB System.

Reporters and journalists may contact Alison Preszler, CBBB’s Media Relations Specialist or call 703-276-9376 to request an interview or additional information.

Wal-Mart Buys Social Media Company for $3M

4/19/2011

Posted on 4/19/2011 by America Monge
Wal-Mart purchased Kosmix, a six-year-old social media company, for $300 million, according to the San Jose Business Journal.

The Mountain View, California company is known for its social media platform that organizes content by topic.

This deal is part of Wal-Mart's planned expansion into social commerce.

To read full article, click here:
http://www.bizjournals.com/sanjose/morning_call/2011/04/walmart-to-buy-kosmix.html

BBB Advises College Football Fans: Be Smart When Buying Bowl Tickets Online

4/19/2011

Posted on 4/19/2011 by

ARLINGTON, Va. – December 18, 2007 – With college football’s bowl season kicking off this week and more than one million students, alumni and fans searching for tickets, Better Business Bureau (BBB) is warning consumers to look out for fraudulent sellers when shopping for expensive and hard-to-get bowl tickets online.

BBB has discovered a scam involving a secondary seller of championship game tickets on eBay. The scammer said he was in England on business and would not be attending the game in New Orleans. Before he’d agree to send the tickets, he wanted payment wired through Western Union in advance. The phony “seller” even provided pictures of the tickets to convince potential buyers he was honest. The scammer claimed the ticket transfer would be handled by an escrow company in California called the Square Trade Center, but BBB confirmed that the company, Square Trade, is not an escrow company, and doesn’t handle buyer/seller transactions.

“The most common ways secondary-ticket sellers are scamming sports fans is by delivering counterfeit tickets or simply not sending the tickets,” said Steve Cox, spokesperson for the BBB System. “Even if the tickets do arrive, they are sometimes not for the seats the seller advertised – which can mean the fan is stuck with seats that aren’t next to each other, are in the opponent’s section, are up in the nosebleed area, or have an obstructed view.”

The secondary-ticket market for sporting events, which includes tickets bought and sold by professional brokers, speculators and season-ticket holders, is a $10-billion-a-year industry, with online sales accounting for one-third of transactions, according to StubHub.com. As an example of the money flowing through this year’s bowl games, online broker, TicketCity.com, expects the championship game between Louisiana State University and the Ohio State University will be the “biggest college bowl game of all time besides the Rose Bowl of two years ago” in terms of ticket prices, at more than $1,500 per ticket.

“College football bowl tickets are extremely tough for the average fan to find and purchase at a reasonable price and that’s driving buyers to the Internet and the secondary-ticket market,” added Cox. “Fans must balance their passion for their teams with awareness that not all online ticket sellers will deliver on their promises, and a bad transaction could leave them at home on the couch instead of at the big game.”

From its BBBOnLine database of more than 30,000 online businesses, BBB reports that a number of secondary-market ticket firms offer regulated Web sites, providing buyer protections that include money-back guarantees on the legitimacy of tickets and in some cases, brand new tickets with unique barcodes identifying them as the new owner of those tickets. It’s on the hundreds of online auctions, online classifieds, and bulletin boards using person-to-person sales that fans need to be most skeptical and on the alert. BBB reports that every big sporting event is followed by complaints from people who were ripped off buying tickets – almost invariably online.

College football is big business, and where there is big money to be made, scams always follow. Beginning Thursday, over the course 19 days, teams from 35 states, representing 64 colleges and universities will participate in the 2007-2008 bowl season. The NCAA Postseason Football Licensing Subcommittee notes that last year’s bowl season drew about 1.6 million fans and about $217.6 million in revenue was distributed to participating schools and conferences.

BBB offers the following advice when searching online for sporting events tickets:

Only the event, the venue and the event’s authorized ticketing company can guarantee the ticket you purchase online will be valid to attend the event.
When buying from a merchant, always look for the BBBOnLine seal. The logo will tell you that you’re dealing with a company that has a good reputation for satisfying customers and a secure Web site for processing your payment.
When buying from an individual through an online exchange don’t be lured away from the Web site by the seller. Even if you met the seller on the exchange Web site, the company may not guarantee any lost money if a transaction occurs outside their domain.
If you buy tickets through an online auction, choose a seller with a long, continuous history of satisfied customers. Scammers can hijack old accounts, so make sure they have recently bought or sold other items.
Pay with a credit card or through PayPal, which offer some protection and potential reimbursement. Never pay with a cashier’s check or wire money to a seller; you’ll have no way to get your money back if the tickets do not arrive.
Many sellers will include pictures of the tickets with their posts on auction sites or bulletin boards. Scrutinize the tickets closely for any inaccuracies or alterations, and cross-check the seat assignment with the map on the venue’s Web site before you buy.

For more tips and advice you can trust for safe shopping online go to www.bbb.org, or visit BBBOnLine at: www.bbbonline.org/consumer.

###

Reporters and journalists may contact Alison Preszler, CBBB’s Media Relations Specialist or call 703-247-9376 to request an interview or additional information.

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 Reliability Reports^TM and charity BBB Wise Giving Reports^TM, 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, 128 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

FTC - Extra! Extra! Count on Scammers and Schemers to Follow the News

4/19/2011

Posted on 4/19/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

FTC Consumer Alert

Extra! Extra! Count on Scammers and Schemers to Follow the News

If it’s in the news today, it’s likely to be in a scammer’s bag of tricks tomorrow.

For many scam artists, following the money means following the headlines. The latest ploy plays off news reports about the government’s plan to send rebate checks to consumers. While the rebates won’t be arriving for a few months, news outlets are reporting that crooks have already begun to exploit the promise of them.

Here’s how it works: Scammers claiming to be from the Internal Revenue Service or the Social Security Administration call and say they need your information to be able to deposit your rebate directly into your account. They may ask for your checking account number, social security number, or other piece of personal information — the kind they can use to commit identity theft.

The Federal Trade Commission, the nation’s consumer protection agency, cautions consumers not to give out personal or financial information in response to an unsolicited call or email.

The IRS does not gather information for rebates by telephone. Nor does it send unsolicited e-mail to taxpayers about tax account matters. Filing a tax return is the only way to apply for a tax refund; there is no separate application form. Similarly, if you get an email out of the blue from someone claiming to be from the IRS that asks you to call a phone number or email back your personal information, forward it to phishing@irs.gov, and then delete it without clicking on any links. Clicking on a link in an unsolicited email carries risks of spyware, pagejacking, and phishing — threats that can lead to the theft of your identity. The only official IRS Web site is located at www.irs.gov.

If you get a call from someone who claims to be from the SSA and who asks for your personal information, say you’re not interested, and politely hang up. Then call the SSA’s toll-free telephone number yourself, 1-800-772-1213, to verify the reason for the contact and the caller’s identity.

If you think you’ve been scammed, file a complaint at ftc.gov or call toll-free, 1-877-FTC-HELP. If you think your identity’s been stolen, visit www.ftc.gov/idtheft or call 1-877-ID-THEFT.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair practices in the marketplace and to provide information to businesses to help them comply with the law. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

February 2008

BBB Alert: Small Businesses Looking for Funding are Increasingly Becoming Victims of Fraud:Business owners report getting taken for as much as $26,000 when applying for loans and grants online

4/19/2011

Posted on 4/19/2011 by

ARLINGTON, Va. – April 2, 2008 – As the credit crunch bears down on the U.S., small businesses are forced to search for alternative sources of funding and Better Business Bureau (BBB) warns that business owners are becoming victims of fraud when turning to the Internet for loans and grants.

“While the nation is focused on the credit crunch and its affect on behemoths like Bear Stearns, the impact is also being felt by small businesses that are trying to stay afloat in hard times and are very susceptible to fraudulent loan offers,” said Steve Cox, BBB spokesperson. “The Internet provides a perfect stage for fraud because bad actors in the loan industry can easily portray a professional image that provides unsuspecting small business owners with a false sense of trust.”

Following are examples of recent loan and grant offers BBB has identified as taking advantage of small business owners nationwide:

Mediations, LLC
The BBB serving Connecticut has received complaints from businesses across the U.S. stating that Mediations, LLC (also doing business as Innovations Northeast, LLC) is charging substantial up-front fees for construction loans, but not delivering on the promised funds. Business owners paid fees ranging from $1,500 to as high as $26,000, and were required to pay by wire transfer or cashiers check only. Thus far, complaints to the BBB reveal losses totaling more than $110,000.

BBB Advises: Business owners should never have to pay large sums of money upfront to receive loans, nor should owners wire payment for services because they will have no way to get their money back if the creditor is not legitimate.

National Small Business Alliance
The BBB serving Los Angeles, Orange, Riverside and San Bernardino Counties has received more than 1,100 complaints from 49 states and the District of Columbia about the National Small Business Alliance (www.natlsba.com). Complainants state they were initially contacted by phone or e-mail and told they were preapproved for a credit line of $8,000 for a one-time membership fee of $99 to $149. Despite what complainants were led to believe by representatives of the company, the “credit line” is not a small business loan, but rather, is collectively comprised of coupons, discounts, and offers made by participating vendors to purchase goods and services such as computers or travel arrangements using credit terms. Complainants say the company continues to deduct money from their bank account without their permission and does not refund money as promised.

The National Small Business Alliance currently has an “F” rating from BBB for its continued failure to resolve the pattern of deceptive marketing, misrepresentation, false advertising, and unauthorized debits.

BBB Advises: Small business owners should be extremely cautious when providing bank account numbers and insist on reviewing all details of any offer before making a buying decision and signing a contract. Prior to entering into an agreement, small owners can always check out a potential creditor, partner or vendor’s reliability report with BBB. BBB Reliability ReportsTM are free and available online at www.bbb.org.

Capital Funding Programs, and many others.
In 2007, and so far in 2008, BBBs across the U.S. have received hundreds of complaints from small business owners who were burned by online offers to receive government grant money. Using spam e-mails to drive traffic to professional looking Web sites, fraudulent companies have promised to help small business owners rake in thousands of dollars in government grants to start or expand their businesses. As part of the scheme, small business owners have been required to pay several hundred dollars via wire or money order, but then never heard from the phony companies again.

Capital Funding Programs (formerly www.capitalfundingprograms.com), purportedly of Champlain, NY, is one such company. Since September of 2007, thirty-four victims from 23 states have filed complaints with BBB serving Upstate New York after losing more than $400 each.

BBB Advises: Business owners can research free information on government grant programs at the U.S. government Web site, www.grants.gov. If a company does qualify for a grant of some type, the U.S. government does not request payment as part of the application review or grant award process.

For more information on the businesses mentioned in this release or additional BBB advice on how small businesses and consumers can avoid fraud when seeking loans and grants, on- and off-line, go to www.bbb.org.

Reporters and journalists may contact Alison Preszler, CBBB’s Media Relations Specialist or call 703-247-9376 to request an interview or additional information.

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 Reliability ReportsTM 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, 126 BBBs serve 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.

Don’t Get Duped When Donating to Myanmar: BBB Wise Giving Alliance tips for donating wisely

4/19/2011

Posted on 4/19/2011 by

May 9, 2008 – Arlington, VA – As evidence of the devastation in Myanmar continues to mount, many Americans are looking for ways to help by donating to a relief organization or charity. The Better Business Bureau Wise Giving Alliance warns that—as occurred following the tsunami disaster in 2004—fraudulent charities will likely emerge to try and scam donations from well-meaning Americans.

“Whenever there is a major natural disaster, be it home or abroad, there are two things you can count on. The first is the generosity of Americans to donate time and money to help victims, and the second is the appearance of poorly run and in some cases fraudulent charities,” said Art Taylor, President and CEO of the BBB Wise Giving Alliance. “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 in Myanmar.”

BBB Wise Giving Alliance offers the following eight tips to help Americans decide where to direct donations and ensure that their money provides the most benefit to the victims in Myanmar:

Rely on expert opinion when it comes to evaluating a charity.
Be cautious when relying on third-party recommendations such as bloggers or other Web site references, as they might not have fully researched the listed relief organizations. The public can go to 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.

Find out if the charity has an on-the-ground continuing presence in Myanmar.
Because of the stringent conditions in Myanmar, unless the charity already has staff inside the country, it will be difficult for new aid workers to attain visas and ultimately accomplish aid assistance in the country. Check out organizations at www.InterAction.org—the nation’s largest coalition of international relief organizations—to verify which aid organizations are currently active in Myanmar.

Find out who will benefit in Myanmar and what type of assistance they will be provided.
The immediate needs in Myanmar are food, water, shelter, transportation and clean-up efforts. Because it has not been determined how long organizations will be permitted to operate in Myanmar, long-term goals might not be achieved.

Be wary of claims that 100 percent of donations will assist Myanmar 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 100 percent of collected funds will be assisting Myanmar 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.

Find out if the charity is providing direct aid or raising money for other groups that are active in Myanmar.
Some charities may be raising money to pass along to relief organizations that are already active in the region. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the Myanmar. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be cautious when giving online.
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 tsunami disaster, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Gifts of clothing, food or other in-kind donations are not recommended.
In-kind donation assistance is not practical. Most foreign relief organizations prefer cash donations so that supplies can be purchased near the relief site. In-kind drives for food and clothing—while well intentioned—will not end up being delivered to those in need in Myanmar.

If tax deduction is a concern, donate domestically.
To help ensure your contribution is tax deductible, the donation should be made to a U.S.-based charitable organization that is tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on www.irs.gov for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

For more information on BBB Wise Giving Alliance and to view more than one thousand BBB Wise Giving ReportsTM on charities and relief organizations across the nation go to www.bbb.org/charity

To schedule an interview with a BBB spokesperson on donating wisely to Myanmar relief efforts, contact Alison Preszler at 703-247-9376.

About BBB Wise Giving Alliance
BBB Wise Giving Alliance helps donors make informed giving decisions and advances high standards of conduct among organizations that solicit contributions from the public. The Alliance produces in-depth evaluative reports on national charities based on comprehensive Standards for Charity Accountability and publishes the Wise Giving Guide, a quarterly magazine on philanthropic issues.

About BBB (www.bbb.org/us)
BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. BBB provides objective advice, free business BBB Reliability ReportsTM 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, 126 BBBs serve communities across the U.S. and Canada, evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org/us for more information about BBB.

BBB Receives Thousands of Complaints on Mysterious Credit Card Charges: U.S. marketing company is charging online shoppers every month without their knowledge

4/19/2011

Posted on 4/19/2011 by

Arlington, VA – July 1, 2008 - Better Business Bureau is warning consumers to closely check their credit card statements for mysterious charges that are cropping up by the thousands across the country. Upset online shoppers have contacted BBB about unwanted credit card charges that are ultimately being traced back to Connecticut-based Affinion Group, an affinity-marketing company that recently changed its name from Trilegiant.

In the last 12 months alone, BBB has received nearly 1,800 complaints regarding Affinion Group. Most complainants state that they were shocked when they discovered unwanted charges on their credit card for membership services such as “Shoppers Advantage,” “Privacy Guard” or “Great Fun.” Charges ranged from $12 to as much as $59.99 every month. Some complainants had been charged by Affinion Group every month for several years, resulting in hundreds of dollars being paid for services they never took advantage of or even realized they had signed up for.

“Consumers who get signed up for Affinion’s programs never actually provide their credit card information and therefore don’t suspect that the company will immediately begin charging their credit card every month,” said Steve Cox, BBB spokesperson. “The large volume and pattern of complaints BBB has received indicates that Affinion is not taking enough steps to ensure consumers understand exactly what they’re getting into when they click on enticing pop-up ads – and that’s why they have a longstanding unsatisfactory record in BBB’s book.”

Some complainants were able to retrace their steps and find out how they were inadvertently signed up for membership services that resulted in the monthly charges. Typically, consumers had purchased items online – such as movie or airline tickets – from a reputable Web site. At some point in the transaction process, pop-up ads or chat boxes appeared offering incentives, such as $20 rebate cards for the Web site or claims like, “Click here for your 10% savings.”

Complainants allege they were signed up for unwanted services simply by clicking on pop-up ads or replying to chat windows, even though they ultimately declined the offers. Complainants never provided their credit card information to ads or chats because the company with which they had just made their online purchase had a pre-established agreement with Affinion Group to automatically transfer consumer information when they clicked on the ad or chat.

“Most complainants report to BBB that they have no idea how or why they were being charged and were extremely angry when they discovered how much money they had lost through affinity marketing practices,” added Cox. “Unfortunately many credit card holders are learning the hard way about the value of reviewing their statements and finances every month.”

BBB has also received complaints from consumers who knowingly signed up for the memberships or services – with the promise that they could cancel after a month and pay nothing – but then never received the promised rebate cards or other incentives, or were given the runaround when they tried to cancel their membership.

In 2006, 16 state Attorneys General reached a settlement with Trilegiant Corp. and Chase Bank totaling $14.5 million, to resolve allegations that the two companies partnered to deceive consumers into paying for membership programs. According to BBB records, Trilegiant is now doing business as Affinion Group – but it’s the same business and same people continuing their pattern of misleading consumers by not making it clear when a consumer has purchased something.

For more information on Affinion Group and to see the more than 50 names the company is doing business as, see BBB’s reliability report online.

To find trustworthy businesses in thousands of industries, search BBB’s database of more than four million reports free-of-charge at www.bbb.org.

About BBB (www.bbb.org/us)
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 Reliability ReportsTM 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, 126 BBBs serve communities across the U.S. and Canada, evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org/us for more information about BBB.

BBB Alert: Senior Citizens Nationwide Report Losing Thousands of Dollars to Telephone Scam

4/19/2011

Posted on 4/19/2011 by

Scammers pose as grandchildren to dupe unsuspecting grandparents

Arlington, VA – October 2, 2008 – Better Business Bureau is warning senior citizens to be aware of an emerging telephone scam that is preying on grandparents nationwide. BBB has recently received reports about grandparents from California to New Hampshire who thought they were aiding their grandchildren by providing money for an emergency situation but were in fact giving thousands of dollars to Canadian con artists.

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. One well-meaning grandmother sent $15,000 to scammers, thinking she was helping a grandchild who had been in an auto accident.

“This scam is just despicable because it preys on the emotions of seniors who want nothing more than to ensure the safety of their grandchildren,” said Steve Cox, BBB spokesperson. “The key to avoiding this scam is to remain calm despite the ‘emergency’ nature of the call and to verify the identity of the caller. Too often people are allowing themselves to get caught up in the false sense of urgency and they end up making emotional, instead of logical, decisions.”

Given the sudden pervasiveness of the scam, several state Attorneys General have issued warnings. In addition, the Canadian Anti-Fraud Call Centre is reporting a significant increase in complaints for this scam. In 2007, the Centre received 128 complaints about this type of scam; since the beginning of this year, nearly 350 complaints have been filed, and about half were filed in July and August alone.

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 is advising 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 police departments and state Attorneys General offices. If there is a request to wire money to Canada, the Canadian Anti-Fraud Call Centre has established the PhoneBusters hotline and Web site to report such fraud. Reports can be filed easily online through the PhoneBusters site at: www.phonebusters.com, or by phone, toll free at, 1-888-495-8501.

To schedule an interview with a BBB spokesperson, contact Alison Preszler at 703-247-9376. For more information from BBB on common scams and advice on avoiding consumer fraud, go to www.bbb.org.

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 Reliability ReportsTM 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, 125 BBBs serve 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.

Phishing Attack Uses Better Business Bureau Name to Trap Consumers and Businesses

4/19/2011

Posted on 4/19/2011 by

Scheme uses E-Mail and Blogs to Encourage Recipients to Register Software with BBB

Arlington, VA – October 23, 2008 – Better Business Bureau is alerting consumers and businesses about a phishing scheme that uses both e-mail messages and blog posts directing recipients and viewers to register software with BBB. BBB wants the public to know that such messages and posts are not coming from any element of the BBB System, and that this attack has not affected BBB computer systems or networks nor has any data been compromised.

Reports to BBB indicate that businesses began receiving bogus messages yesterday, requiring them to “register new software and update contact information” with BBB, and provided a link for the process. In investigating the attack, BBB also discovered phony “notices” and postings on various blogs being used as additional tactic to reach victims.

“The messages and posts are most likely part of a large-scale phishing scam leveraging the trusted nature of the BBB name to entice recipients and bloggers to open messages and access attachments or links,” said Steve Cox, BBB spokesperson. “Anyone receiving an e-mail or viewing a blog requiring the registration of software with BBB should not click on any links or in any way respond to the message, because doing so may allow harmful viruses or spyware to enter the recipient’s computer or network.”

Following is a copy of an actual e-mail associated with this phishing scheme:

---------- Original Message ----------------------------------
From: "Better Business Bureaus Account Service" <provisor670@bbb.org>
Date: Wed, 22 Oct 2008 21:04:22 +0000

Attention Better Business Bureaus Consumers!

We've enhanced web surfing process with new security measures to keep your online data and personal information safer.
All registered and new BBB consumers must register new software and update contact information until October 24, 2008.
Please read the following information carefully:

As always, we appreciate your business. And thank you for working with us.

Sincerely, Sherry Hopper.
2008 Council of Better Business Bureaus

BBB has determined that there are a number of addresses and subject lines being used in to perpetrate the e-mail element of the attack. Following is a representative sample of actual address and subject lines used in this attack.

• Address: “Better Business Bureaus Service Center " provisor399@bbb.org
• Subject Line: Council of Better Business Bureaus - We restrict access to nonpublic personal information about you

• Address: "Better Business Bureaus Update" provisor633@bbb.org
• Subject Line: Better Business Bureaus, Attention: Protecting your personal information

• Address: Better Business Bureaus Support Center provisor062@bbb.org
• Subject Line: Better Business Bureaus, Attention: Shred unwanted documents that contain personal information.

The phishing scheme is also appearing on multiple blog sites. Following is a representative example of the type message BBB research and investigation has discovered on a number of blog sites.

“We've enhanced web surfing process with new security measures to keep your online data and personal information safer.
All registered and new BBB consumers must register new software and update contact information until October 24, 2008.”
Please read the following information carefully>>>Link >>>>

BBB is advising consumers and businesses to take the following precautions and actions to steer clear of this phishing attack and to protect their computer systems and networks.

• Anyone receiving an e-mail similar to those described should not open the message, not click on any links, or respond to the message – the message is not from any entity affiliated with BBB. Opening or viewing a preview of the e-mail, or clicking on the link within the e-mail, could enable a discreet download of a virus or spyware.

• Report receipt of any such messages. BBB is working with the U.S. Secret Service's Electronic Crimes Task Force (ECTF) to address phishing issues using the BBB name. BBB has established an e-mail address - phishing@council.bbb.org – people can use to forward the message to, thereby reporting the incident to BBB and the ECTF.

• The public can view updates and the latest information on the phishing attack on the BBB Web site at the Security and Alerts Web page at http://www.bbb.org/securityalerts.

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 Reliability ReportsTM 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, 125 BBBs serve 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.

Weight-loss Berry Claiming Oprah Endorsement Makes Wallets Slim and Consumers Angry Warns BBB

4/19/2011

Posted on 4/19/2011 by

Acai-berry product peddlers lock customers in after “free” trial expires

Arlington, VA – January 5, 2009 - Better Business Bureau is warning consumers to be wary of online ads relying on celebrity endorsements to sell acai-berry related weight loss products. BBB has received thousands of complaints from consumers nationwide who thought they were signing up for a free-trial offer of acai berry weight loss products that were supposedly endorsed by Oprah, Rachel Ray and other celebrities; in the end, the free trial cost them, month after month.

The acai berry has been featured on national TV shows and praised by doctors and celebrities for its high level of antioxidants. Marketing claims about the acai include that it fights cancer and aging and promotes dietary health and weight loss – and these claims are working, with sales of acai products approaching $15 million last year, up from $500,000 per year in previous years. Producers of acai berry supplements, juices and tea have been very successful peddling their goods in ads on the Internet and on social networking Web sites such as Facebook. In November alone, more than 1.5 million people searched for the term on Google. Online ads and Web sites often include a photo of a celebrity — such as Oprah — and claim that she endorses the acai as a weight loss miracle.

“BBB can’t speak to the restorative or weight loss properties of acai-based products, but we are taking companies to task for their misleading sales and marketing practices,” said Steve Cox, BBB spokesperson. “Many businesses across the country are using the same selling model for their acai products: they lure customers in with celebrity endorsements and free trial offers, and then lock them in by making it extremely difficult to cancel the automatic delivery of more acai products every month.”

Following are two companies that exemplify dozens of other businesses operating nationwide that sell acai-related items with a similar sales model:

FX Supplements
BBB serving Fort Worth recently received a large volume of complaints against FX Supplements.com, a Web site selling products such as Acai Berry Maxx and Maxx Slim Hoodia. The company offers a risk-free trial of their products for the cost of shipping and handling. However, if consumers do not cancel within the trial period they are sent additional bottles every month and are billed $85.90. Complaints show that the trial period fluctuates between 10 and 14 days from when the consumer requested the free trial—not from when they received the product.

Complainants stated they had difficulty canceling their subscription; some made numerous calls to the phone number listed, found the number out of service, continually busy or were sent to voicemail. Complainants also had a difficult time canceling their subscription via the e-mail provided. In some cases the e-mail address did not work or the complainant continued to be billed even after multiple e-mails. Several customers reported that they were forced to close down bank accounts and cancel credit cards to stop recurring charges.

Central Coast Nutraceuticals
In the last 12 months, the BBB serving Central, Northern and Western Arizona has received more than 1,400 complaints for a company called Central Coast Nutraceuticals which operates several Web sites selling acai, hoodia and male enhancement products. The company uses Oprah-endorsements of the acai berry in ads touting its weight-loss benefits and offers a free trial of acai-related products including supplements and tea. Due to the company’s negative option, if, after the free-trial, the consumer no longer wishes to receive a monthly supply they must cancel their subscription or they will be billed $40 monthly.

The complaints against the company all tell a similar tale of how difficult it was to contact the company and cancel the subscription — including enduring 75 minutes on hold. Additionally, consumers complain of unauthorized charges on their credit card or bank accounts for products they did not order. Central Cost Nutraceuticals has earned an F grade from BBB for a large volume of unanswered and unresolved complaints.

“These companies are simply abusing general acai berry endorsements from well-known, trusted celebrities by using it as a tacit endorsement of their company and products specifically,” added Cox. “Consumers trust Oprah and unfortunately, if they are tricked into believing that she is putting her stamp of approval on a product then they are definitely more likely to purchase it.”

Before purchasing acai products, BBB recommends checking out the seller first. BBB maintains a free online database with more than four million reports on businesses at www.bbb.org. Additionally, consumers shopping online should look for the BBB seal on Web sites and click on the seal to confirm its legitimacy. And of course, consumers can always contact BBB directly with questions, concerns and complaints.

For more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick 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 Reliability ReportsTM 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, 125 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

Foreclosure Rescue Gone Wrong- ABC News '20/20' Video Report Mentions BBB

4/19/2011

Posted on 4/19/2011 by
ABC News '20/20' mentions BBB in their "Foreclosure Gone Wrong" segment involving a loan modification company and loan renegotiation schemes.

BBB Warns Against Swine Flu Scams: Scammers are creating their own epidemic of spam e-mails

4/19/2011

Posted on 4/19/2011 by

Arlington, VA – April 29, 2009 – Relying on reports from online security experts, Better Business Bureau is warning consumers to be on the lookout for fraudulent e-mails and Web sites trying to take advantage of the current swine flu outbreak.

“Scammers read newspapers, watch TV and surf the Internet and they know that by using a hook from the day’s top headlines, that they’ll be able to catch lots of fish,” said Steve Cox, BBB spokesperson. “Right now, issues associated with swine flu and a potential pandemic are of global interest and that means scammers have a very large pond to go phishing in.”

According to McAfee Avert Labs, an online security company, spammers began pumping out e-mails as soon as the first accounts of swine flu were being reported in the news, accounting for two percent of all spam messages. The messages include such subject lines as, “Madonna caught swine flu!” and “Swine flu in Hollywood!” The company reports that the e-mails do not contain malware but often link to online pharmacies.

According to F-Secure Corp., another online security company, more than 250 Web sites with the term “swine flu” have been registered within the first few days following the announcement of the outbreak and predict that the scams artists are preparing to use such Web sites in a variety of different online scams. F-Secure also reports that one Web site is already selling a “Swine Flu Survival Guide” PDF for $19.95.

BBB offers the following advice to avoid swine flu scams:

• Avoid opening e-mail from an unknown source and do not click on any links in the body of the e-mail or open any attachments. Instead, delete the e-mail or report it to the Federal Trade Commission by forwarding the e-mail to spam@uce.gov.

• Don’t believe online offers for vaccinations against swine flu because a vaccine does not exist. For more information on swine flu and updates on progress in fighting the outbreak, go to www.cdc.gov/swineflu

• Make sure your anti-virus and anti-spyware software is up to date and all operating system security patches have been installed. If your computer becomes infected as the result of a spam e-mail about swine flu, you can report it to the Internet Crime Complaint Center at www.ic3.gov.

For more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.

BBB Warns Against a Summer Scam Going Door-to-Door Nationwide

4/19/2011

Posted on 4/19/2011 by

Trying to help a good cause could get you ripped off by fraudulent magazine salespeople

Arlington, VA – May 5, 2009 - Better Business Bureau warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer. In the last 12 months alone, BBB has received 1,100 complaints from consumers in 46 states and the District of Columbia against more than 50 companies that are selling magazines door-to-door.

Many of these companies employ crews of high school and college-age people who are trying to earn money over the summer. These crews are sent to communities to knock on doors and sell magazines—sometimes without appropriate licensing. In the sales pitch, the representative might explain they are working to help get their lives back on track, raising money on behalf of a charity or for a school trip or even selling subscriptions to support troops in Iraq.

“Because sales representatives are typically high school or college-age, victims readily believe the potentially fictitious sales pitch and often pay several hundred dollars for the subscriptions by personal check given directly to the sales reps,” said Steve Cox, BBB spokesperson. “Most complaints against such companies allege that sales reps took their check and the magazines never arrived, however, some complainants also allege being subjected to high-pressure and misleading sales tactics.”

In the last year BBB has received complaints on more than 50 companies conducting door-to-door magazines sales and following are a few examples:

The BBB serving Charlotte has received 286 complaints against two magazine companies owned by the same couple - Trinity Public Relations in N.C. and Seedtime Publications in S.C. Complainants report not receiving the subscriptions they paid for and some allege sales reps used high pressure sales tactics. In one example, a woman called the police after feeling threatened by a sales rep who became angry when she wouldn’t buy a magazine. Some sales reps have also allegedly told prospective customers that they would not be able to eat that day if they didn’t buy their magazines. Trinity Public Relations was closed down by the Attorney General in N.C. and Seedtime Publications has also closed in S.C.

The BBB serving Central, Northern and Western Arizona has received 33 complaints from 12 states regarding Prestige Sales, LLC. In addition to not receiving magazines they paid for, complainants allege sales reps lied about being neighborhood youth who were trying to earn money for a school trip to Europe, while other customers were led to believe they were purchasing magazines subscriptions for troops deployed to Iraq.

Other door-to-door magazine companies with F ratings from BBB include:
• Michigan City, IN-based Omni Horizons Inc., which has received 122 complaints from consumers in 17 states according to the BBB Serving Northern Indiana;
• Chesapeake, VA-based True Visions Inc., which has received 82 complaints from 13 states according to the BBB of Greater Hampton Roads;
• Memphis-based Greater Image, Inc., which has received 71 complaints from 16 states according to the BBB serving the Mid-South; and,
• Seattle-based Fresh Start Opportunities, which has received 66 complaints from seven states according to the BBB serving Alaska, Oregon and Western Washington.

“Experience tells us that customers aren’t the only victims of this scam; the young salespeople are also potentially being taken advantage of by their employers and forced to work long hours, endure substandard living conditions and have their wages withheld from them,” said Cox.

BBB offers the following advice to avoid getting scammed by a door-to-door magazine sales rep:

• Always research the company with your Better Business Bureau for free at www.bbb.org before filling out a check for a magazine subscription.

• 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.

For more information about door-to-door magazines sales, reporters can contact Alison Southwick 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 Reliability ReportsTM 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, 125 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

Effect of GM Bankruptcy Filing on BBB AUTO LINE Cases

4/19/2011

Posted on 4/19/2011 by

New Message to GM Customers

General Motors has filed for Chapter 11 bankruptcy protection. Under Chapter 11 a company reorganizes itself under court supervision with the intention of staying in business. The bankruptcy filing affects the following makes of vehicles: Buick, Cadillac, Chevrolet, GMC, Hummer, Pontiac, Saab and Saturn.

The U.S. Court overseeing GM’s reorganization has decided that General Motors may continue to honor its warranty commitment – and this includes resolving warranty disputes through the BBB AUTO LINE program.

BBB AUTO LINE also continues to provide warranty dispute resolution for most other vehicle manufacturers – for a complete list of BBB AUTO LINE participating manufacturers see our BBB AUTO LINE Fact Sheet.

Frequently Asked Questions

For BBB AUTO LINE participants:

Q: How is my case affected now that GM is reorganizing under bankruptcy protection?

Q: Will I have to re-file my dispute on my GM vehicle with BBB AUTO LINE?

Q: Can I still seek a repair, repurchase or replacement of my vehicle?

Q: How can I be sure GM will honor the award or settlement?

Q: Now that GM has filed for bankruptcy, will I need an attorney to use BBB AUTO LINE?

For GM Owners:

Q: Is GM still honoring its manufacturer’s warranty?

Q: What happens if my model is no longer available and it requires replacement under warranty?

Q: Where can I get more information about my car’s warranty?

Q: If I bought an extended service contract (Protection Plan) through GM am I still covered?

Q: My GM dealer is going to close its doors. Where should I take my car now to be fixed?

Q: What should I do now if my car breaks down while still under warranty?

Q: Will I still be notified of future recalls for my GM vehicle?

Q: Where can I get more information on the lemon laws in my state?

Q: How can BBB AUTO LINE help me with my dispute over my vehicle warranty?

Q: When using the BBB AUTO LINE program can I still hire an attorney to assist me with my warranty dispute with GM?

Q: How is my case affected now that GM is reorganizing under bankruptcy protection?
A: BBB AUTO LINE cases have not been affected by GM’s bankruptcy filing. BBB AUTO LINE is currently handling BBB AUTO LINE claims involving GM in the same manner used prior to the bankruptcy filing.

When it filed for bankruptcy, GM requested that the bankruptcy court allow it to continue to honor its warranties and this included its participation in the BBB AUTO LINE program. The bankruptcy court has granted GM’s request.

Q: Will I have to re-file my dispute on my GM vehicle with BBB AUTO LINE?
A: No. BBB AUTO LINE is permitted to continue processing claims filed prior to GM’s bankruptcy filing. And BBB AUTO LINE is also currently processing new claims received after the bankruptcy filing.

Q: Can I still seek a repair, repurchase or replacement of my vehicle?
A: Yes. The eligibility standards have not been affected by the bankruptcy filing. Each consumer filing with BBB AUTO LINE will receive program eligibility information. You can discuss your eligibility with the BBB Dispute Resolution Specialist assigned to work with you – and can contact BBB AUTO LINE representatives Monday-Friday between the hours of 9:00 AM to 7 PM EST by calling 800 955 5100.

Q: How can I be sure GM will honor the award or settlement?
A: GM has a contractual agreement with BBB to abide by awards made in BBB AUTO LINE and the court’s order does not change that agreement.

Q: Now that GM has filed for bankruptcy, will I need an attorney to use BBB AUTO LINE?
A: The BBB AUTO LINE process is designed to be informal and easy for consumers to use without having to hire an attorney. You certainly have the right to get legal advice at any time during the process, and questions about how and whether you can pursue a claim in court are best answered by an attorney. But the BBB AUTO LINE process will not change even if GM files for bankruptcy – impartial BBB staff will assist both parties in an attempt to resolve your concerns.

For GM Owners:

Q: Is GM still honoring its manufacturer’s warranty?
A: Yes. GM will continue to honor their vehicle warranties as they undergo reorganization under Chapter 11 bankruptcy. In addition, GM warranties for vehicles sold during the restructuring period are also now backed by the U.S. government, as noted by the Obama administration in late March.

Q: What happens if my model is no longer available and it requires replacement under warranty?
A: Under the BBB AUTO LINE program, if consumers are awarded replacement vehicles but there is no longer a comparable vehicle available, several options are possible. If both parties agree to a solution (i.e., a similar comparable vehicle) that resolution can satisfy the dispute. If the parties are unable to agree on a replacement vehicle, a repurchase option may also be an alternative.

Q: Where can I get more information about my car’s warranty?
A: Consult your owner’s manual to review your vehicle’s warranty or visit www.gm.com/experience/quality.

Q: If I bought an extended service contract (Protection Plan) through GM am I still covered?
A: Yes. General Motors Protection Plans (GMPP) are provided by a subsidiary of GMAC LLC, which is separate from GM and is not included in GM’s bankruptcy filing. In addition, the extended service contracts are backed by MIC Property and Casualty Corporation (MICPAC). More information about GMPP is available at www.gmprotectionplan.com/index.html or by phone at 800-631-5590.

Q: My GM dealer is going to close its doors. Where should I take my car now to be fixed?
A: Customers of any GM dealership that has ceased operations may choose another dealership for any needed service on their GM vehicles. Information about specific GM brands is also available online. Following are the GM Brand Web sites and Customer Assistance Center Phone numbers:
www.cadillac.com (800.458.8006)
www.chevrolet.com (800.222.1020)
www.buick.com        (800.521.7300)
www.pontiac.com     (800.762.2737)
www.gmc.com         (800.462.8782)
www.hummer.com   (866.486.6376)
www.saturn.com      (800.553.6000)
www.saab.com        (800.955.9007)

Q: What should I do now if my car breaks down while still under warranty?
A: You should continue to follow the recommendations found in your warranty book for fixing the vehicle and resolving any concerns. If your authorized dealer is unable to resolve the problem to your satisfaction, you should speak with GM customer service representatives – toll free phone numbers for each division of GM are included above. Lastly, the BBB AUTO LINE program is available to assist GM customers with resolution of warranty disputes that cannot be resolved without the assistance of a neutral third party.

Click here to file a complaint with BBB AUTO LINE

For additional assistance, consumers can contact BBB AUTO LINE representatives Monday-Friday between the hours of 9:00 a.m. to 7:00 p.m. EST by calling 800.955.5100.

Q: Will I still be notified of future recalls for my GM vehicle?
A: Yes. Even while under bankruptcy protection, a manufacturer issuing a safety recall must continue to notify customers and comply with orders issued by the National Highway Traffic Safety Administration (NHTSA).

Q: Where can I get more information on the lemon laws in my state?
A: BBB serves as a source for lemon law information. Click here for additional information about state lemon laws

Q: How can BBB AUTO LINE help me with my dispute over my vehicle warranty?
A: BBB AUTO LINE is the nation's oldest and most respected auto warranty dispute resolution program. Click here for information about BBB AUTO LINE rules, procedures and participating manufacturers

Q: When using the BBB AUTO LINE program can I still hire an attorney to assist me with my warranty dispute with GM?
A: The BBB AUTO LINE Program was designed to be informal and empower parties to manage their own representation. Most consumers using the BBB AUTO LINE program represent themselves, but consumers retain the right to obtain an attorney.

BBB helps consumers and representatives from auto manufacturers (customer service representatives) understand program eligibility standards, the steps used to help parties resolve disputes, exchanges information, facilitates settlement discussions and schedules unresolved cases for arbitration as a last step in the BBB AUTO LINE program process.

BBB Warns of New Phishing E-mail Posing as BBB Complaint Confirmation

4/19/2011

Posted on 4/19/2011 by
Beware of Bogus Emails coming from mailto:complaintsmajdivision@complaints.bbb.org
Better Business Bureau is alerting consumers and businesses about a new phishing attack that resembles an e-mail confirmation claiming the recipient has filed a complaint with BBB about a business. The malicious e-mails first came to the attention of BBB on Thursday, October 15.

When consumers file a complaint with BBB about a business, they may often receive a confirmation e-mail and subsequent follow-up e-mails from BBB on the status of their complaint. The malicious phishing e-mail attack is designed to mimic a confirmation e-mail from BBB and includes the full name of the recipient and the name of the company they supposedly filed a complaint about.

According to reports to BBB, individuals who have received this e-mail have not actually filed a complaint with BBB but are, instead, employed by the business the e-mail claims they have filed a complaint about.

Anyone who receives a complaint e-mail confirmation claiming to be from BBB, but has not actually filed a complaint with BBB, should not click on any links in the e-mail. Instead, either delete the message or forward it to: phishing@council.bbb.org

Following is a copy of an actual e-mail associated with this recent phishing attack:
----------------------------------------------
From: Better Business Bureau [mailto:complaintsmajdivision@complaints.bbb.org]
Sent: Thursday, October 15, 2009 2:42 PM
To: [Redacted]
Subject: Complaint Update for [Recipient name varies], [Company name varies by recipient] (Case id: #0509E2)
Dear Mr. [Redacted],
This is an automated e-mail that confirms the registration of your complaint case number: #0509E2 filed by [Company name varies by recipient] on September 17/2007 concerning Online Identity Theft.
While Better Business Bureau does not resolve individual consumer problems, your complaint helps us investigate fraud, and can lead to law enforcement action.
You can download a copy of your complaint from http://www.yilan.com.tw/ht....[full hyperlink redacted]. Please print and keep this copy for your personal records.
We use secure socket layer (SSL) encryption to protect the transmission of the information you submit to us when you use our secure online forms. The information you provided to us is stored securely.
The BBB strongly encourages consumers to first attempt to resolve complaints directly with the company, however the BBB will not reject a complaint if a consumer has not taken this step. All complaints are processed by local Better Business Bureaus, most often the Bureau where the company is located. Historically, over 70% of complaints through the BBB are resolved. In some cases, BBB mediation or arbitration may be offered to assist in resolution.
Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 calendar days.
The form you used to register this complaint is designed to improve public access to the Better Business Bureau of Consumer Protection Consumer Response Center, and is voluntary. Through this form, consumers may electronically register a complaint with the BBB.Under the Paperwork Reduction Act, as amended, an agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a currently valid OMB control number.
Our staff will keep you updated regarding the status of our investigation. To check the status of your complaint please access http://www.yilan.com.tw/ht... [full hyperlink redacted]

Phony BBB E-mail Spreads Fiction about 2010 Census; Get the Facts

4/19/2011

Posted on 4/19/2011 by

An e-mail which falsely claims to be from the Better Business Bureau about the upcoming 2010 Census is inaccurate and BBB is advising consumers to get the facts:

In March of 2010, census forms will be delivered to every residence in the United States and Puerto Rico. When you receive yours, just answer the 10 short questions and then mail the form back in the postage-paid envelope provided. If you don’t mail the form back, you may receive a visit from a census taker, who will ask you the questions from the form. A census taker must follow-up in person with every address that doesn’t mail back the form in order to obtain the responses.

The Census is Safe

The 2010 Census will ask for name, gender, age, race, ethnicity, relationship, and whether you own or rent your home – just 10 simple questions that will take about 10 minutes to answer.
The Census Bureau safeguards all census responses to the highest security standards available.
Your answers are protected by law and are not shared with anyone. The census taker who collects your information is sworn for life to protect your data under Federal Law Title 13. Those who violate the oath face criminal penalties. Under federal law, the penalty for unlawful disclosure is a fine of up to $250,000 or imprisonment for up to 5 years, or both.

When Census Takers will be Going Door-to-Door

From April to July 2010, the Census Bureau will knock on the door of every household that does not mail back a completed 2010 Census form.
It’s critical that you take just 10 minutes to fill out and mail back your form rather than wait for a census worker to show up on your doorstep. About $85 million in taxpayer dollars are saved for every one percent increase in mail response.
The Census Bureau must get a census form to – and a completed form back from – every residence in the United States. That’s more than 130 million addresses. This is why the census is the largest domestic mobilization our nation undertakes.

How to Identify a Census Taker
If a U.S. Census Bureau employee knocks on your door, here are some recognition tips to assure the validity of the employee:

The census taker must present an ID badge that contains a Department of Commerce watermark and expiration date. The census taker may also be carrying a bag with a Census Bureau logo.
The census taker will provide you with supervisor contact information and/or the Local Census Office phone number for verification, if asked.
The census taker will ONLY ask you the questions that appear on the census form.

What the 2010 Census DOES NOT Ask

2010 Census takers will not ask you for your social security number, bank account number, or credit card number.
2010 Census takers also never solicit for donations and will never contact you by e-mail.

For more information about the upcoming 2010 Census visit www.2010census.gov.

Can't Pay Your Taxes? Alternative Payment Options

4/19/2011

Posted on 4/19/2011 by Veronica Brown

Can't afford to pay your taxes? There are a number of options for paying the IRS, reports Komo News.

Option 1: Charge the payment to your credit card. The IRS accepts major credit cards, and does not charge a fee. However, the companies who process transactions may charge a convenience fee, normally around 2% of the amount charged. You will also pay interest on the charge if you carry a balance.

Option 2: Request an alternative payment plan from the IRS. In many cases, they will let your pay off taxes over a period of time. The interest rate is variable (right now around 4%), but you must be current on filing all of your tax returns.

Option 3: Apply for “currently non-collectible status.” This status is difficult to receive, as you must prove documentation of an extraordinary financial circumstance via an IRS form. You will not be expected to pay your taxes for a year.

To read the original article, visit http://www.komonews.com/news/consumer/120139899.html

Consumer Product Safety Commission Recalls

4/19/2011

Posted on 4/19/2011 by

500 Blockbuster Stores to Remain Open Under Dish

4/21/2011

Posted on 4/21/2011 by Veronica Brown
To retain a physical presence, Dish Network Corp, the soon-to-be parent company of Blockbuster, announced earlier this week it will continue to lease about 500 retail stores, USA Today reported.

After Blockbuster filed for bankruptcy protection in September, Dish bought the company at auction for $228 million this month. Blockbuster has since closed numerous stores across the country.

Dish has not yet announced its plans for Blockbuster’s brand, stores and streaming-video services.

To read the full article, visit http://www.usatoday.com/tech/news/2011-04-18-blockbuster-stores.htm?csp=34tech&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A

Tips for Pittsburgh Penguins/NHL Fans Purchasing Playoff Tickets

4/18/2011

Posted on 4/18/2011 by Becky Maier

The Pittsburgh Penguins are once again in the playoffs, and your BBB is giving consumers tips for purchasing playoff tickets.

Consumers need to keep in mind that any seller they contact online, whether through a website, auction site or chat room, may or may not be legitimate. Consumers should also be aware that they may be dealing with a seller who is not licensed to resell tickets and may be in another state. Before choosing an online ticket broker or reseller, make sure your purchase is 100% guaranteed.

The BBB offers the following advice when searching online for sporting events tickets:

When buying from an online ticket broker, look for the BBB seal so you know that you are dealing with a company that has a good reputation and a secure Web site for processing your payment.
If you buy tickets through eBay, choose a seller with a long history of satisfied customers. Scammers can hijack old accounts, so make sure the seller has recently sold other tickets. You should also click on the item number to view what was sold. It should send up a red flag if the seller has sold 500 items and has never sold tickets before.
Read all fine print, and be sure to verify the ticket delivery dates.
Beware of emails that seem to be from eBay guaranteeing the honesty of a seller. eBay does not send these types of messages.

BBB Forum On Corporate Responsibility - NYC

4/18/2011

Posted on 4/18/2011 by Greg Hudson
The New York City BBB is hosting a Forum on Corporate Responsibility on May 3, 2011. It’s a great lineup of speakers, including news about trends and strategies from senior CR leaders from Avon, Citi, NYSE Euronext, Coca-Cola, IBM, Ogilvy PR Worldwide, and The Gap - plus views from a lot of experts on ESG/CSR indexes and ratings (and potential impact on perceived value) including executives from GRI, Corporate Responsibility Magazine, and SustainAbility.

For more details visit: www.newyork.bbb.org/bbbforum2011

The End of Sub-$10,000 Cars?

4/20/2011

Posted on 4/20/2011 by America Monge
The few cars that remain under the $10,000 price range in the U.S. may be a dying breed.

For many years, sub-$10,000 cars were bought heavily by college students, who may now have to dig a little deeper into their empty pockets to buy a new car. These cars included the Nissan Versa and the Hyundai Accent, however, USAToday reports of their introduction at the New York auto show this week to include a price above the magic number of $10,000.

To read full article, click the link below:
http://content.usatoday.com/communities/driveon/post/2011/04/are-the-last-new-cars-under-10000-about-to-disappear

LivingSocial Offers $1 Lunches in D.C.

4/15/2011

Posted on 4/15/2011 by Veronica Brown

LivingSocial is offered a $1 deal for lunches at Washington, D.C. restaurants today, reports Mashable.

The company’s newly-test-launched “Instant Deals” mobile app directs users to participating companies within a half-mile radius. The deals are only good for up to four hours, which differs from LivingSocial’s regular deals, which can be redeemed for up to 12 months.

For this particular Instant Deal, Washington, D.C. restaurants featured meals costing $10-$25 for just $1. The deals were available between 11:00 am and 2:00 pm.

To read the full article, visit http://mashable.com/2011/04/13/livingsocial-1-dollar-lunches/

Are You Surfing Facebook with a Secure Connection?

4/14/2011

Posted on 4/14/2011 by Greg Hudson
Back in February, Facebook introduced an optional security setting that allows you to surf Facebook more securely: by SSL / HTTPS. 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.

This is just a reminder that if you haven't already changed your settings to protect yourself, do so now.

How to change your setting:

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 box (secure browsing), click Save.

Ford Recalls F-150 Trucks

4/15/2011

Posted on 4/15/2011 by Veronica Brown

Ford has announced a recall of more than 1.2 million F-150 model pickups due to airbags that could deploy without warning, reports USA Today.

The recall was first announced in February, but Ford has decided to expand the recall from 150,000 2005 models to all 2004-2006 model trucks after pressure from safety regulators. The National Highway Traffic Safety Administration has reported about 60 injuries from unexpected air bag deployments in those vehicles.

Ford claims that the problem resulted from an electrical short due to wire chafing in the air bag and horn assembly of the steering wheel.

To read the full article, visit http://content.usatoday.com/communities/driveon/post/2011/04/ford-expands-f-150-recall-by-more-than-a-million-pickups/1

BlackBerry Tablet to be Released Tomorrow

4/18/2011

Posted on 4/18/2011 by Veronica Brown

RIM is set to enter the tablet market with the release of its BlackBerry PlayBook tomorrow, April 19, reports Mashable.

The tablet, which will cost $499, will have fierce competition with Apple’s iPad.

PlayBook features a 7-inch screen, in comparison with the iPad’s 10-inch screen, as well as resolution of 1040x600. There are front and rear facing cameras.

The BlackBerry PlayBook will come with a number of apps, including Docs to Go (for opening, editing and creating Microsoft Word, Excel and PowerPoint documents) and Need for Speed Undercover. It will support older BlackBerry apps, as well as Android 2.x apps. In addition, it supports Adobe Flash 10.2.

To read Mashable’s full review of the BlackBerry PlayBook, visit http://mashable.com/2011/04/14/blackberry-playbook-review/

AT&T to Release Prepaid Smartphone

4/15/2011

Posted on 4/15/2011 by Veronica Brown

Beginning April 17, AT&T customers who want the technology of a smartphone without the hefty monthly fees or contract will have the option of purchasing the LG Thrive, reports USA Today.

The smartphone, which retails for $179.99, will be part of AT&T’s GoPhone label and run Google’s Android 2.2 operating system. The Thrive offers a 3.2-inch touch screen, e-mail capabilities, unlimited Wi-Fi through AT&T’s Hot Spot network and a 3.2 megapixel camera.

Data plans will begin at $5 and will go up to $25 for 10 MB and 500 MB, respectively. The smartphone comes with 160 MB of memory, as well as microSD slot for extra storage.

For those who wish to purchase a similar phone with a 2 year contract, AT&T will also offer the LG Phoenix for $49.99.

To read the full article, visit http://content.usatoday.com/communities/technologylive/post/2011/04/at38t-launches-its-first-prepaid-smartphone/1

Cómo escoger una tarjeta de crédito para su empresa

4/14/2011

Posted on 4/14/2011 by
Si los informes de gastos se están apilando y usted está cansado de oír a sus empleados quejarse porque no obtienen reembolsos, podría ser el momento de considerar una tarjeta de crédito empresarial. El Better Business Bureau ofrece consejos a los empresarios para escoger la tarjeta de crédito correcta para su empresa.

Según un estudio de 2009 de la Junta de Gobernadores del Sistema de la Reserva Federal, el 83 por ciento de las pequeñas empresas usaba tarjetas de crédito, el 64 por ciento usaba tarjetas para pequeñas empresas y el 41 por ciento usaba tarjetas personales.

Es fácil comprender por qué las tarjetas de crédito para pequeñas empresas representan un mercado creciente y competitivo, y muchos bancos y compañías de tarjetas de crédito están activamente tras los pequeños empresarios como una rica fuente de nuevos socios y clientes.

Para los dueños de pequeñas empresas, ahora es en realidad un buen momento para investigar de qué manera una tarjeta de crédito empresarial puede beneficiar las operaciones o reevaluar los planes existentes de tarjetas de crédito empresariales para aprovechar las mejores tarifas y las ofertas actuales del mercado.

“Hay muchas maneras por las que una tarjeta de crédito empresarial puede hacer la vida más fácil para un empresario y sus empleados”, dijo Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Puede establecer un historial de crédito para su empresa, brindarle créditos a corto plazo, ofrecer descuentos de los proveedores y hacer que los informes de gastos sean cosa del pasado”.

Básicamente, hay dos opciones para las tarjetas de crédito empresariales: tarjetas de crédito para pequeñas empresas y tarjetas de crédito corporativas. La decisión de qué opción escoger se basa en gran medida en el tamaño de la empresa y quién es responsable por la deuda.

Como los nombres lo implican, una tarjeta de crédito corporativa es para grandes empresas y corporaciones, y la carga de la deuda normalmente recae en la corporación. Una tarjeta de crédito empresarial está dirigida a empresas más pequeñas con propietarios únicos y la carga de la deuda recae en el propietario. A menos que la empresa produzca más de $2 millones al año en ingresos brutos, una tarjeta de crédito corporativa no es una opción.

Una tarjeta de crédito empresarial es muy similar a una tarjeta de crédito personal, y tiene un límite de crédito y mínimos pagos mensuales. Los empresarios y cualquier empleado que utilice la tarjeta normalmente están sujetos a una verificación crediticia.

BBB ofrece consejos para escoger e implementar una nueva tarjeta de crédito empresarial:

Investigue. Muchos bancos y compañías de tarjetas de crédito están realizando diversas ofertas, con algunos beneficios atractivos que pueden satisfacer las necesidades de su empresa. Pero las ofertas cubren toda la gama, así que sea selectivo. Recomendamos averiguar las ofertas de sus bancos locales y las compañías de tarjetas de crédito nacionales.

No se deje llevar por ofertas especiales. Como se dijo, hay muchas ofertas y planes disponibles para los dueños de pequeñas empresas, pero preste atención específica a los planes de tarjetas de crédito empresariales con ofertas introductorias de 0% de tasa anual. Si bien esta puede ser una buena opción para una compra inmediata y de alta categoría para apoyar su negocio, necesita averiguar las condiciones de la tasa anual: bajo qué condiciones aumentará y cuáles son sus opciones si aumenta. Tenga cuidado de no quedar atrapado con una tasa anual elevada después del período introductorio.

Considere las recompensas. Muchas tarjetas ofrecen beneficios para usted y sus empleados, incluyendo descuentos con proveedores preferidos y líneas aéreas, además de puntos.

Establezca las reglas básicas. Asegúrese de que sus empleados sepan exactamente lo que pueden y no pueden cargar en la tarjeta de crédito. Algunas tarjetas le permiten ajustar el límite de crédito de tarjetas de empleados individuales, además de limitar dónde se pueden usar las tarjetas.

Para consejos adicionales sobre el manejo de las finanzas de su empresa, vaya a www.bbb.org.

BBB advierte contra los avisos en línea para cigarrillos electrónicos

4/14/2011

Posted on 4/14/2011 by
El Better Business Bureau advierte a los consumidores que tengan cuidado con las ofertas de pruebas gratuitas de cigarrillos electrónicos. Suena como un producto inusual para comprar; sin embargo, en los últimos doce meses, BBB ha recibido cientos de reclamaciones de consumidores en todo el país que pensaron que estaban recibiendo una prueba gratuita, pero terminaron perdiendo a menudo cientos de dólares en cargos recurrentes en la tarjeta de crédito o débito.

Los omnipresentes sitios web engañosos para dichas “pruebas gratuitas” incluso atribuyen falsamente la promoción de sus productos a canales de noticias como ABC y CBS.

“La lucha contra las ofertas engañosas de pruebas gratuitas en línea sigue siendo un juego de pégale al topo”, dijo Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “En cuanto se quita a una empresa del negocio es reemplazada por otra con el mismo modelo de despojar a los consumidores bajo el disfraz de una oferta de prueba gratuita sin riesgos”.

Clientes de 44 estados han presentado más de 360 reclamaciones contra Direct E-Cig de Naples, Fla., y Londres, Inglaterra, en el último año. Más de 40 de esas reclamaciones venían de Missouri e Illinois, incluyendo varias del área de St. Louis. Según el BBB de E. Missouri & S. Illinois, en respuesta a algunas de las reclamaciones, Direct E-Cig le dijo al BBB que su sitio web expresa que los consumidores deben pasar un proceso de cancelación dentro de los siguientes 15 días “para evitar que se les facture el precio total del kit de $109,95 y los futuros envíos mensuales”. Varios consumidores expresaron que recibieron ofertas directas por correo electrónico de la compañía y nunca vieron la política de cancelación, y algunos incluso denunciaron haber pagado $4,95 por la oferta de prueba para que después les facturaran más de $100 en forma inadvertida.

Otro fraude notable es Smoke Freely, LLC, que tiene una nota de F con BBB. Según las más de 300 reclamaciones al BBB que atiende al centro, norte y oeste de Arizona, la compañía atrae a sus clientes afirmando que recibirán una prueba gratuita de cigarrillos sin humo simplemente pagando los gastos de envío. Sin embargo, los consumidores insatisfechos dicen que después de acordar pagar $9,95 por gastos de envío, se les cobró en repetidas oportunidades $149,90 junto con una variedad de otros cargos misceláneos. Los clientes insatisfechos informan que cuando solicitan reembolsos o solicitan que no se les facture más, la compañía los evade; un consumidor sostiene que perdió más de $640 como resultado de cargos recurrentes.

“Antes de firmar para una oferta de una prueba gratuita, lea la letra pequeña atentamente y siempre verifique a la compañía con BBB. Ahorrará tiempo y dinero evitando los problemas y los cargos recurrentes de algunas ofertas inescrupulosas”, agregó Cox.
BBB, junto con la Comisión Federal de Comercio, sugiere que haga las siguientes preguntas antes de firmar para una prueba gratuita:
•   ¿La oferta de prueba gratuita está relacionada con una membresía, suscripción o contrato de servicio extendido?
•   ¿Debo comunicarme con la compañía para evitar recibir más mercaderías o servicios?
•   ¿Con quién me comunico para cancelar?
•   ¿Recibiré otros productos con el artículo gratuito? En ese caso, ¿tendré que pagar por ellos o devolverlos si no los quiero? ¿Cuánto tiempo tengo para decidirme antes de incurrir en un cargo?
•   ¿Hay una cuota de membresía? En ese caso, ¿es reembolsable?
•   ¿Automáticamente cargarán algo a mi tarjeta de crédito?
•   ¿Quién ofrece la prueba, ustedes u otra compañía? ¿Cuál es el nombre y dirección de la compañía?

Puede encontrar consejos adicionales sobre las ofertas de prueba gratuita en www.bbb.org/us/article/free-trial-offers--are-they-good-deals-425. Los consumidores que creen que han sido engañados por una oferta de prueba gratuita pueden presentar una reclamación en línea ante el BBB en www.bbb.org.

BBB alienta a los consumidores a realizar inversiones inteligentes en energía solar

4/14/2011

Posted on 4/14/2011 by
Se acerca el clima cálido y muchos consumidores están tratando de ajustarse a un presupuesto cuando realizan mejoras en el hogar; muchos recurren a la energía solar verde como solución. BBB aconseja a los consumidores ser inteligentes al invertir en cualquier proyecto de mejora del hogar.

Los fraudes relacionados con la energía solar no son una excepción cuando se trata del típico fraude contractual. Los contratistas fraudulentos se aprovechan de aquellos que no conocen el producto. Pueden aparecer a su puerta, hacer publicidad en periódicos locales o enviar folletos a su hogar. Al igual que el típico fraude contractual, los fraudes con los paneles solares pueden incluir desde problemas con la instalación y los costos hasta los paneles solares propiamente dichos.

Los consumidores necesitan saber cómo funciona la energía solar y cómo les afectarán los beneficios antes de invertir de $5.000 a $60.000 en cualquier producto de energía solar. Hay muchos reembolsos estatales y federales que ofrecen una reducción en los costos iniciales. Sin embargo, los consumidores que optan por una remodelación "más verde" esta primavera necesitan estar atentos a los contratistas no calificados y de mala reputación que llegan a la ciudad prometiendo una variedad de servicios “verdes” a precios reducidos. Los consumidores necesitan encontrar un instalador que sea confiable y conocedor de los beneficios de la energía solar.

“Como con cualquier tipo de contratista de mejoras en el hogar, los consumidores tienen que tener cuidado con los instaladores que prometen ofertas demasiado buenas para ser ciertas”, dice Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Vale la pena mirar más allá de la oferta más baja cuando se selecciona un contratista”.

BBB recomienda considerar lo siguiente antes de invertir en energía solar:

Determine si la energía solar es adecuada para usted. Debido a los costos elevados asociados con la inversión inicial de energía solar, es importante realizar su propia auditoría de energía para determinar si la energía solar es adecuada para usted. Normalmente, si su factura mensual es de menos de $100, considere otras maneras de ahorrar energía que cuestan menos.

Considere todos los costos asociados con la energía solar. Pregunte sobre todos los costos asociados con el mantenimiento del sistema. Determine si los beneficios y ahorros superan los costos a largo plazo.

Manténgase informado sobre los programas de incentivos estatales y federales. Dependiendo de su ubicación, los programas estatales y federales pueden ahorrarle hasta un 50% de los costos de instalación. Asegúrese de comprender los términos y condiciones de los programas de incentivo y realice su propia investigación antes de firmar un contrato con un instalador. Para la información más reciente sobre los programas estatales, visite http://www.dsireusa.org/.

Tenga cuidado con los instaladores que prometen que no habrá ningún costo antes de revisar su situación específica. Sea receloso si un instalador sugiere obtener crédito por el monto total del sistema aunque están prometiendo costos muy bajos o inexistentes debido a los reembolsos.

Asegúrese de que el techo de su vivienda esté equipado para sostener un sistema de paneles solares. Si bien un sistema solar debidamente instalado no dañará su techo, asegúrese de que su techo esté en buenas condiciones antes de comenzar la instalación para evitar futuros problemas.

Comprenda cómo funciona su energía solar. Puede aprovechar al máximo los beneficios de la energía solar una vez que sepa cómo funciona. Por ejemplo, los paneles que miran al sur sin obstrucciones de sombra que reciben la máxima exposición al sol entre las 9 a. m. y las 3 p. m. proporcionan el mayor porcentaje de energía. Se producen ahorros importantes cuando tiene energía en exceso que no es consumida en su hogar. Este exceso de energía se puede acreditar luego en su factura de servicios, y así ahorrar dinero.

Para más consejos en los que puede confiar e información necesaria para contratar al contratista correcto para sus proyectos de mejoras del hogar, vaya a www.bbb.org.

BBB aconseja a los consumidores sobre los cobradores de deudas: tanto legítimos como fraudulentos

4/14/2011

Posted on 4/14/2011 by
Arlington, VA. Los consumidores que deben dinero o están atrasados con sus cuentas pueden recibir una llamada legítima de cobradores de deudas para cancelar las deudas. Sin embargo, el BBB advierte a los consumidores que hay falsos cobradores de deudas al acecho. En un informe reciente sobre las principales reclamaciones realizadas al Better Business Bureau, las agencias de cobro ocuparon el 5.º puesto en la cantidad de reclamaciones recibidas. Con más de 15.000 reclamaciones, los consumidores necesitan conocer las mejores prácticas para tratar con los cobradores de deudas.

Los cobradores de deudas se dedican a reclamar fondos de cuentas vencidas en nombre de acreedores, empresas o individuos. Pero en ocasiones, el “cobrador de deudas” que llama resulta ser un ladrón de identidad que está tratando de hacer que usted divulgue información personal o financiera, como su número de Seguro Social, cuenta bancaria y tarjeta de crédito. A menudo los estafadores se hacen pasar por cobradores de deudas legítimos para obtener información financiera de manera ilegítima. Estos llamados fraudulentos pueden ser acosadores y amenazantes.

“Los consumidores necesitan conocer las señales de alerta de cobradores de deudas fraudulentos”, dice Stephen A. Cox, Presidente y CEO del Consejo de Better Business Bureaus. “Si el cobrador se niega a revelar el nombre de su agencia o exige que los pagos se realicen en efectivo o con transferencia únicamente, los consumidores deben denunciar esto de inmediato”.

Es importante que los consumidores verifiquen la supuesta deuda antes de tomar medidas. BBB recomienda hacer lo siguiente:

Solicitar prueba escrita. Obtenga documentación para ayudar a determinar si las personas que llaman son realmente ladrones de identidad o si en realidad hay una deuda. Por ley, una agencia de cobro de deudas debe proporcionar un aviso de validación en un plazo de cinco días a partir del contacto con usted por la deuda. En un plazo de 30 días desde que recibió su aviso de validación, envíe una solicitud escrita al cobrador de deuda para verificar los detalles de la deuda. No entregue información personal o financiera a menos que se haya confirmado la validez de la deuda y del cobrador de deuda.

Verificar la legitimidad. Obtenga el nombre y la información de contacto del cobrador de deuda para investigar a la agencia. Busque en Internet para ver si tienen un sitio web o un BBB Business Review en www.bbb.org. Confirme la información de contacto y llámelos con un número de teléfono de un directorio público u en línea. Verifique que el representante que llamó esté afiliado a la agencia.

Evitar las llamadas falsas. Tenga cuidado si no se puede verificar la deuda o si no se recibe documentación. Dígales que dejen de comunicarse con usted y regístrese en el Registro Nacional No Llamar (“Do Not Call”) en www.DoNotCall.gov o al 888-382-1222.

Si usted no adeuda la supuesta deuda, BBB recomienda hacer lo siguiente:

No ignore al cobrador. Lo mejor es responder de inmediato, aun si no cree que la deuda sea suya. De lo contrario, el cobrador podrá seguir comunicándose con usted o presentar una demanda.

No pague. No se adjudique una deuda que no es suya ni efectúe un pago de una factura simplemente para que el cobrador "desaparezca". Un solo pago puede indicar que usted acepta la responsabilidad total por la deuda. La deuda inválida también podría reflejarse como un pasivo en su informe crediticio.

Impugne los errores. Si no se confirma ninguna deuda, comuníquese con todas las partes involucradas para aclarar las imprecisiones en su informe crediticio, tales como: el cobrador de deudas, el acreedor o compañía que reclama cuentas no resueltas y las principales oficinas de crédito. Escriba una carta detallada e incluya los documentos de apoyo para probar su caso. La Comisión Federal de Comercio (FTC) ofrece recursos adicionales para denunciar errores.

Esté atento al robo de identidad. Si una agencia de cobros se comunica con usted por facturas o deudas erróneas, podría ser una indicación de robo de identidad; un impostor puede estar utilizando su identidad para efectuar compras, abrir cuentas y obtener crédito. Revise su informe crediticio para identificar rápidamente actividad fraudulenta o realizar correcciones; visite www.annualcreditreport.com para obtener un informe crediticio anual gratuito y obtener asesoramiento de la FTC para resolver problemas específicos de robo de identidad relacionados con cobradores de deudas.

BBB recomienda hacer lo siguiente por las deudas que le pertenecen:

Conozca sus responsabilidades. No es ilegal que un cobrador de deudas o acreedor se comunique con usted con respecto a deudas pendientes. Trate de trabajar con ellos para resolver los problemas. Converse sobre un plan de pagos y solicite las obligaciones por escrito.
Quéjese de las prácticas abusivas. Denuncie el acoso, las amenazas y otras violaciones de leyes federales de telemercadeo a la FTC. Presente una reclamación ante el BBB si cree que un cobrador de deudas no está actuando de manera ética. Además, investigue sobre las leyes del estado sobre cobradores de deudas, las cuales pueden variar.

Dígales a los cobradores que dejen de comunicarse con usted. Conforme a la ley federal, un cobrador de deudas no puede seguir comunicándose con usted —a su trabajo o a su casa— si usted les dice que dejen de hacerlo. Escriba una carta indicando que no se comuniquen más con usted. Guarde una copia de la carta y luego envíe el original por correo certificado y solicite acuse de recibo. Si existe una deuda, el cobrador o acreedor puede iniciar una acción legal para cobrar los fondos y puede comunicarse con usted para informarlo de la acción.

Busque ayuda para la deuda. Pruebe el programa gratuito en línea de BBB Cómo manejar el crédito de manera más sencilla.

Conozca sus derechos. Revise la Ley de Prácticas Justas de Cobro de Deudas (FDCPA) federal, que establece las normas para las agencias de cobro y prohíbe las tácticas abusivas. Las violaciones a la FDCPA deben ser denunciadas a la FTC. Los cobradores de deudas:

•   No pueden realizar afirmaciones falsas o engañosas.
•   No pueden realizar amenazas a la ligera, expresas o implícitas, o hacer uso de lenguaje abusivo o profano.
•   No deben hablar sobre las cuentas de los consumidores con terceros no autorizados.
•   No pueden emitir erróneamente información de crédito y presionar a los consumidores para que paguen deudas que no les pertenecen.
•   Deben investigar la validez de una disputa por una deuda.

Denuncie los fraudes: Las víctimas del cobro de deudas pueden presentar demandas ante:
1.   Better Business Bureau
2.   Comisión Federal de Comercio.
3.   Centro de Reclamaciones por Delitos en Internet, si los cobradores se comunicaron por Internet o correo electrónico.
4.   Oficina del Procurador General del Estado y otras agencias locales de asuntos de los consumidores.
5.   Asociación Estadounidense de Cobradores (ACA International) procesa reclamaciones sobre los cobradores de deudas miembros; averigüe si la agencia de cobro de deudas es miembro.

Para más información sobre cobro de deudas, visite www.bbb.org/us/Consumer-Tips/.

Periodistas: para más información o para programar una entrevista con un vocero de BBB, comuníquese con Kelsey Owen al 703-247-9376.

Acerca del BBB
Como líder en la promoción de la confianza en el mercado, Better Business Bureau es una organización sin fines de lucro independiente que establece y sostiene elevados estándares de conducta comercial justa y honesta. Todos los años, más de 65 millones de consumidores recurren a los BBB Reliability Reports® y BBB Wise Giving Reports® para ayudarlos a encontrar empresas y asociaciones benéficas confiables en todo América del Norte. Visite www.bbb.org/us para más información.

BBB aconseja a los usuarios de Internet que sean cautelosos cuando usan redes de Wi-Fi que no les pertenecen

4/14/2011

Posted on 4/14/2011 by
Proteger su identidad es importante y con las redes de Wi-Fi apareciendo prácticamente en todos lados, muchos consumidores no se dan cuenta de los peligros de usar una conexión de Wi-Fi que no les pertenece. Según una encuesta reciente realizada por Wakefield Research y Wi-Fi Alliance, el 32 por ciento de los encuestados dijo que intentaron conectarse a una red Wi-Fi que no les pertenecía, un asombroso 18 por ciento más que en una encuesta de diciembre de 2008. El Better Business Bureau, junto con la Comisión Federal de Comercio (FTC), alienta a los consumidores a pensar antes de navegar por la Web en un hotspot de Wi-Fi.

Los hotspots de Wi-Fi como cafeterías, bibliotecas, aeropuertos, hoteles y universidades son espacios favorables para los hackers. Según la FTC, las nuevas herramientas de hacking —disponibles en forma gratuita en línea—hacen que el hacking sea sencillo, incluso para usuarios con un conocimiento técnico limitado.

Los consumidores deberían ser cautelosos antes de usar una red inalámbrica no segura y antes de enviar información personal mediante sitios web no encriptados. Cuando se navega en una conexión de Internet no segura, la información personal de un individuo, sus documentos privados, contactos, fotos e incluso la información de usuario pueden estar a disposición de otros usuarios en la red que tienen la capacidad de ver lo que se está enviando.

Steve Cox, Presidente y CEO del Consejo de Better Business Bureaus, advierte a los consumidores sobre dos estafas populares contra la seguridad que pueden estar asociadas al uso de una conexión de Internet no segura. “Muchos consumidores no se dan cuenta de las repercusiones que puede tener el uso de un hotspot de Wi-Fi. El phishing, un fraude popular del correo electrónico, y el smishing, un fraude de los mensajes de texto, crecen en forma exponencial cuando los hackers obtienen acceso a información personal en la Web a través de una red Wi-Fi no segura”. BBB insta a los consumidores a protegerse de tales fraudes asegurando su navegación en Internet.

A fin de confirmar que una conexión a Internet es segura, BBB aconseja a los consumidores que sigan las pautas principales de la FTC sobre el uso de Wi-Fi:

•   Asegúrese de que la conexión esté protegida con una contraseña única. Si un hotspot de Wi-Fi no pide una contraseña, la conexión a Internet no es segura. Si un hotspot solicita una contraseña solo para otorgar acceso, los consumidores deberían proceder como si la conexión no estuviera asegurada. Solo confíe en las conexiones a Internet domiciliarias y laborales que están protegidas por una contraseña personalizada. Las conexiones en hotspots de Wi-Fi con contraseñas genéricas son vulnerables a los hackers.

•   La información transmitida debería estar encriptada. Cuando envía información personal como direcciones, números de tarjeta de crédito y números de Seguro Social por Internet, asegúrese de que el sitio web esté totalmente encriptado y la red sea segura. Busque el https (la “s” significa segura) al comienzo de la dirección URL para confirmar su seguridad.

•   No permanezca permanentemente conectado en hotspots inalámbricos. Nunca deje su conexión a Internet activada mientras deja su computadora sola y asegúrese de desconectarse después de cada uso.

•   Cambie sus contraseñas con frecuencia. Cuando cree nuevas cuentas, asegúrese de utilizar contraseñas diferentes. No use la misma contraseña para sitios diferentes. Si le hacen hacking a una contraseña, es más probable que lo hagan en otras cuentas con contraseñas repetidas.

Para obtener más consejos sobre los fraudes a la seguridad, visite www.bbb.org, o para saber más sobre cómo proteger su privacidad en línea y qué hacer si su información se ve comprometida, visite www.OnGuardOnline.gov y http://www.ftc.gov/opa/2011/02/wireless.shtm.

Shred Your Personal Documents For Free This Weekend

4/13/2011

Posted on 4/13/2011 by Becky Maier

This Saturday, April 16th, many Better Business Bureau’s across the nation will participate in bi-annual FREE paper shredding events. Each year the BBB hosts two free paper shredding events to help consumers protect their identity and provide helpful information to avoid identity theft.

Identity theft is forever changing and 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.

Your BBB provides the following tips to prevent identity theft:

Carry only the credit cards you actually need. Do not carry your Social Security card unless you need it.
Never put your account information on the outside of an envelope or on a postcard.
Cut up old or expired credit cards. Close all inactive credit card and bank accounts.
For your ATM card, choose a Personal Identification Number (PIN) different from your address, telephone number, middle name, the last four digits of your Social Security number, your birth date or any other information that could be easily discovered by thieves.
Memorize your PIN; do not write it on your ATM card or keep it written on a piece of paper somewhere in your wallet.

Down to the Wire: Last Minute Tax Tips

4/12/2011

Posted on 4/12/2011 by Veronica Brown

With April 18 quickly approaching, many Americans wait until the very last minute to file their taxes. If this applies to you, make sure you read these tax tips from USA Today to avoid any problems.

If you cannot finish filing your taxes by April 18, you can apply for an extension from the IRS until Oct. 17 by filing the IRS Form 4868. Approval is automatic, but must be done so by April 18.

However, if you’re planning on filing your return on time, here are some last minute tips:

-Make sure to claim the Making Work Pay credit if filing jointly as a married couple. Electronic filing systems do this automatically, but you must manually fill out the form if filing on paper.

-Check your math. Miscalculations are the most common error, according to the IRS.

-Make sure you have included all necessary tax documents. If you’re filing online and leave out a W-2 of 1099, the program will not be able to find the files for you.

-Double check that you have the right amount of postage on your return. Postage rates go up on April 17, so make sure you have enough stamps to avoid getting your taxes returned.

To read the full article, visit http://www.usatoday.com/money/perfi/columnist/block/2011-04-11-your-money-tax-tips.htm

The Latest Facebook Scam: Twilight Saga

4/14/2011

Posted on 4/14/2011 by America Monge
Another scam to hit Facebook features a game associated with the popular Twilight saga: Breaking Dawn, Mashable reported.

The link invites you to play the newest game of the series but once clicked, asks you to switch out of your safe HTTPS connection onto a regular connection. The program then makes you "like" the game without your permission, displaying on your wall like a new post, spreading further throughout the web. If you continue, you'll be asked to fill out a questionnaire with some personal data.

As always, you should avoid clicking on suspicious links such as these and verify each app before you give it additional permissions on Facebook.

To read full article, click the following link:
http://mashable.com/2011/04/11/twilight-scam-facebook/

Amazon Cuts Price of Kindle

4/12/2011

Posted on 4/12/2011 by Veronica Brown
Thinking of buying a Kindle? A new $114 model of Amazon’s e-reader will be released May 3, but there’s a catch: the Kindle will come with advertisements, reports PC World.

Currently, the 6-inch Wi-Fi Kindle retails for $139. In an effort to make the product more accessible, Amazon is slashing $25 off the price, but it will feature advertisements on the home screen and in screensavers. There are no plans to include these advertisements on more expensive models of the Kindle.

Amazon also plans to introduce AdMash, which will allow users to vote for their favorite sponsored advertisement. The first companies who have signed on for ads include General Motors (Buick), Procter & Gamble (Olay), and Visa. Amazon will also feature ads for products like giftcards.

The Amazon Kindle with Special Offers will go on sale beginning May 3 at Amazon’s site, Target and Best Buy.

To read the full article, visit http://www.pcworld.com/article/224923/discounted_114_amazon_kindle_to_come_with_ads.html/

The McGraw-Hill Companies and BBB Military Line Join to Bring Financial Literacy to Military Families

4/12/2011

Posted on 4/12/2011 by

NEW YORK, NY AND ARLINGTON, VA -- As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and Better Business Bureau are joining together to develop and deliver expanded financial literacy and consumer protection programs to military families. The campaign builds on six years of BBB Military Line training initiatives and McGraw-Hill's decade-long commitment to ensuring financial literacy for all. The combined effort will reach more than 40,000 military families initially and will include a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions.

According to an October 2010 FINRA (Financial Industry Regulatory Authority) study entitled, "Financial Capability in the United States: Military Survey," military populations suffer disproportionately from financial strain (poor credit, high debt, foreclosures, etc.) due to service members' unique circumstances of long deployments, protracted family separation and frequent moves. The study notes, "Improving financial capability is not only important for military service members and their families, it also affects the military as a whole. When military families make poor financial decisions, the cost of those decisions can undermine military readiness."

"Lack of financial literacy can become a serious national security issue, as well as an unnecessary and burdensome distraction for our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "Financial readiness is critical to mission readiness and BBB Military Line is honored to work with McGraw-Hill to make this happen."

"McGraw-Hill is proud to work with BBB Military Line to equip the armed forces and their families with the tools to make informed financial decisions," said Harold McGraw III, Chairman, President and CEO of McGraw-Hill. "We applaud First Lady Obama and Dr. Biden for launching this worthy campaign and McGraw-Hill stands ready to do our part."

###

About McGraw-Hill
Founded in 1888, The McGraw-Hill Companies is a leading global financial information and education company that helps professionals and students succeed in the Knowledge Economy. Leading brands include Standard & Poor’s, McGraw-Hill Education, Platts energy information services and J.D. Power and Associates. With approximately 21,000 employees in more than 280 offices in 40 countries, the Corporation's sales in 2010 totaled $6.2 billion.

Connect with McGraw-Hill on Twitter and Facebook.

McGraw-Hill's philanthropic mission is to ensure financial literacy for all. Please visit www.mcgraw-hill.com/site/cr/community/financial-literacy for additional information about its financial literacy programs. Additionally, stay up-to-date about McGraw-Hill’s Financial Literacy Now campaign on Twitter and Facebook.

About BBB Military Line
BBB Military Line is a Better Business Bureau program established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBBs throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information.

Connect with BBB Military Line on Facebook.

McGraw-Hill Contact:
Jason Feuchtwanger
Director, Corporate Communications
212-512-3151 office
347-419-4169 mobile
jason_feuchtwanger@mcgraw-hill.com

BBB Military Line Contact:
Janet Riessman
Director, Marketing Communications
703-247-9345 office
202-256-7280 mobile
jriessman@council.bbb.org

Say Goodbye: Flip Video Cameras Discontinued

4/13/2011

Posted on 4/13/2011 by America Monge
Cisco has announced that it will discontinue the production of its Flip video cameras.

The once popular Flip video camera, which could easily upload videos to websites such as Facebook and Youtube, has been superseded by the video cameras built into smartphones. In addition to the video being as good (if not better) on modern smartphones, phones have a built-in data connection and can upload video directly to the web— no computer required. Mashable reports the Flip being described as an intermediary product.

To read full article, click here:
http://mashable.com/2011/04/12/rip-flip-camera/

April 12 is Free Cone Day

4/11/2011

Posted on 4/11/2011 by Greg Hudson
With gas prices being so high, why not enjoy a treat on the house? Go ahead and put your wallet away.

Tuesday, April 12 is Free Cone Day from noon to 8 p.m. at Ben & Jerry's.

At participating locations only. No purchase necessary.

Find a location here.

Richest Counties in the Country are DC Suburbs

4/11/2011

Posted on 4/11/2011 by Greg Hudson
D.C. suburbs make up four of the five wealthiest counties in the country, according to a report from Forbes Magazine.

The five wealthiest counties, based on median household income, are:

1. Falls Church City: $113,313
2. Loudoun County: $112,021
3. Fairfax County: $104,259
4. Hunterdon County: $102,500
5. Howard County: $101,003

View the full rankings here.

U.S. to Use Social Media to Notify Americans of Terror Alerts

4/11/2011

Posted on 4/11/2011 by Veronica Brown

In an effort to create a more effective terror alert system, the U.S. government will begin to alert Americans of raised threats via Facebook and Twitter, USA Today reported.

A new two-level warning system—elevated and imminent—will replace the current five color-coded system. The warnings will only be relayed to the public under certain circumstances and for limited periods of time. Some of these warnings will be withheld completely from the public if they are deemed “risky” by exposing an intelligence operation or a current investigation. Each warning will have an expiration date.

The intent behind the new system is to make alerts more specific and clear, a common complaint of the current system.

The alerts will be posted to social media sites only after federal, state and local governments have been notified. The new system is slated to be in place by April 27.

To read the full article, visit http://www.usatoday.com/tech/news/2011-04-07-terror-alerts_N.htm

U.S. Prius Sales Top 1 Million

4/7/2011

Posted on 4/7/2011 by Veronica Brown

Toyota announced that it has just sold its 1 millionth Prius hybrid in the U.S., reports the Detroit News.

Sales of the Prius have soared in the last few months, on par with rising gas prices. The Prius gets an estimated 51 mpg in the city and 48 on the highway, making it appealing to those who do not wish to pay $4.00 per gallon of gas. With both a gas engine and electric motor, the Toyota Prius is the most fuel-efficient hybrid in the U.S., according to the Environmental Protection Agency.

After 11 on the market, sales of the Toyota Prius surpassed the 3 million mark worldwide last month. While some Toyota dealers have reported a short supply of the car since the earthquake in Japan, the company has reopened two factories on March 28.

To read the full article, visit http://www.detnews.com/article/20110407/AUTO01/104070354/1148/auto01/Toyota-sells-1-millionth-Prius-hybrid-in-U.S.

Obama Administration Announces Details for Shutdown

4/8/2011

Posted on 4/8/2011 by Veronica Brown
With a government shutdown becoming more and more probable this week, the Obama administration has provided more concrete details as to what exactly that would mean, reports the Washington Business Journal.

Although about 800,000 federal workers would no longer be on the job, government functions protecting life and property such as the military, homeland security and law enforcement, would still operate. However, soldiers would not be paid until Congress passes a budget. Departments that have multiyear appropriations like the Department of Veterans’ Affairs, would continue. Those receiving Social Security would also still get their checks.

National parks and the Smithsonian Institution museums would close their doors, majorly impacting tourism in Washington, D.C., especially because the shutdown would occur during the popular Cherry Blossom Festival.

Those living outside of the District would also feel the impact of a shutdown. The IRS would suspend processing of tax refunds for those who filed returns on paper. This hurt the retail industry. The Small Business Administration would cease to approve government-guaranteed loans, effecting long-term loans in the future for small businesses. The Federal Housing Administration would not insure any home mortgages during the shutdown either.

To read the full article, visit http://www.bizjournals.com/washington/news/2011/04/06/more-details-on-effects-of-government.html

The Best (and Worst) Places to Make a Living

4/8/2011

Posted on 4/8/2011 by Veronica Brown

Looking for a job? You may want to consider moving to one of the top ten best states to make a living, reports CNN Money Watch.

Moneyrates.com recently found that the best places to make a living (the money you earn after tax and fixed expenses) are not necessarily the same as the best places to find a job. The states were ranked based on unemployment rates, average wages, tax rates, and the cost of living.

Based on the above criteria, the best states to make a living, including their average adjusted incomes, are:

1.) Illinois: $41,987
2.) Washington (state): $41,456
3.) Texas: $41,427
4.) Virginia: $41,120
5.) Delaware: $39,105
6.) Massachusetts: $38,665
7.) Georgia: $38,228
8.) Tennessee: $38,038
9.) Colorado: $38,020
10.) Minnesota: $37,721

The worst states include:

1.) Hawaii: $22,108
2.) Maine: $29,159
3.) Montana: $29,496
4.) California: $29,772
5.) Vermont: $29,986
6.) Oregon: $30,343
7.) Rhode Island: $30,612
8.) Mississippi: $30,953
9.) West Virginia: $31,357
10.) South Carolina: $31,636

To read the full article, visit http://moneywatch.bnet.com/saving-money/blog/devil-details/10-best-worst-states-to-make-a-living/4374/

BBB Warns of Phishing Email Received from Epsilon Data Breach

4/7/2011

Posted on 4/7/2011 by

Arlington, VA – Just days after millions of customers' email addresses were stolen in one of the largest data breaches in U.S. history, the Better Business Bureau is seeing one of the first Epsilon data breach phishing scams.

Phishing, a popular emailing scam, is a term coined by computer hackers who use email to fish the Internet hoping to hook you into giving them your logins, passwords and/or credit card information. If you are a customer of one of the companies that had email data stolen, BBB is warning you to be on the lookout for phishing emails.

Typical phishing scammers pose as reputable companies to fraudulently obtain your personal information. In this case, the BBB is now seeing emails being sent from a fake 'Chase Bank,' one of the companies whose data was compromised. Following suit, the email warns that ‘your account’ will be deactivated or deleted if you do not update your profile immediately. The email instructs you to update your account by clicking on the link provided.

“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. “Consumers need to know the red flags in order to keep their identity protected.”

BBB advises consumers that there could be other phishing emails shooting through cyberspace and to do the following if they suspect they have fallen victim to a phishing scam.

Never reply to the email. If the message includes a link within it, never click it. Many schemers use this as way to spread a viral attack on your computer.

Do not give personal or financial information to anyone who contacts you via email. Even if they claim they are from your bank, the IRS or a law enforcement agency, these businesses will not contact you via email; they will send you a letter.

Spread the word. Discuss phishing scams with all the members of your family who have email addresses. 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.

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.

Know the red flags. Watch out for grammatical mistakes in emails. Poor grammar or misspelled words are red flags that the email is probably a scam. Most importantly, never wire money based on instructions in one of these suspicious emails. Scammers prey on those who think they need to wire money to have a situation resolved.
Protect your computer. Keep your anti-virus software up-to-date and run it regularly.

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-FTC-HELP.

A sample of the fraudulent email claiming to be from Chase Online Banking follows:

For more information about phishing scams, 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 the 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.

When Not to Use Your Debit Card

4/6/2011

Posted on 4/6/2011 by Carol Odell
A friend rented a bike to go riding in Vail. He stopped for lunch. After lunch he discovered his bike had been stolen. Unfortunately, he had used his debit card to rent the bike, which didn’t protect him from theft. He had to cover the cost of the bike.

When renting a bike, car or other items, use your credit card. Most credit cards will protect you from damage or theft. Check with your credit card company to determine how much protection you have.

When making reservations for a hotel, use your credit card. Let’s say you make reservations a month in advance for three nights at $200 a day with a debit card. $600 will be taken out of your account at the time you make the reservations. Of course, if you cancel your reservations, you do get your money back.

If you had used your credit card to reserve your room, the $600 wouldn’t be billed until you receive your monthly credit card bill, which could be a month after you stayed at the hotel. In this case, the difference is you would have use of your $600 for two months longer.

Read more: http://southerncolorado.bbb.org/post/when-not-to-use-your-debit-card-10955

Be Careful: Your Gift Cards Could Become Worthless

4/7/2011

Posted on 4/7/2011 by America Monge
Gift cards have increased in popularity as the perfect gift for someone. It allows one to choose exactly what they want. However, it is important to use gift cards soon after they are received to avoid troubles in the future. If the store from which the gift card was purchased goes out of business, then that card becomes nothing but a worthless piece of plastic.

To read full article, click here:
http://www.komonews.com/news/consumer/119254249.html

Dish Network Makes $284 Bid for Blockbuster

4/6/2011

Posted on 4/6/2011 by America Monge
Blockbuster is moving forward with an auction to sell its movie rental business.

Of the many different companies bidding for the claim, Dish Network Corp, has made the highest of five different bids.

Some potential buyers plans' would be to reorganize the bankrupt company while others are to liquidate everything. Bloomberg reported of the auction starting with Dish's bid of $284 million and overbids were being taken in $1 million increments. The ranging prices that many competing companies are bidding are due to adjustments for cash, inventory, expenses, and varying amounts that the bidders have offered to pay in liabilities to movie studios.

To read full article, click here:
http://www.bloomberg.com/news/2011-04-05/blockbuster-s-highest-bid-is-from-dish-icahn-second-as-auction-starts.html

Turkey Burgers Recalled Contain Salmonella Resistant to Antibiotics

4/5/2011

Posted on 4/5/2011 by America Monge
The Center for Disease Control announced that the Jennie-O turkey burgers recalled last week are resistant to many commonly prescribed antibiotics.

The outbreak of the Salmonella Hadar strain is resistant to several clinically useful drugs including ampicillin, amoxicillin/clavulanate, cephalothin, and tetracycline, according to CBS News. The illnesses were reported in more than 10 states and about 55,000 pounds of turkey burgers were recalled. The Jennie-O Turkey store said the turkey burgers were distributed nationwide but sold only at Sam's Club stores.

For more recall information and to read the full article, click on the following link:
http://www.cbsnews.com/stories/2011/04/05/health/main20050766.shtml

Affected by the Epsilon Security Breach: What You Should Know

4/5/2011

Posted on 4/5/2011 by Veronica Brown

Yesterday, we told you about the Epsilon email security breach. Here are some tips from AOL Daily Finance if you receive an unsolicited email.

• Visit the website that supposedly sent the email in a new browser window. Make sure it is promoting the same offer in the email.

• Put your mouse over the link in the email and look at the lower left corner of the screen to make sure the domain name matches the company that is allegedly sending the email.

• If the link must be clicked, it should still show the same domain name. If it doesn’t, and it asks for your financial information such as bank account number, social security number, etc. Do not provide it. If the link has a different domain name, it may be trying to infect your computer with a virus.

• Keep your security software up to date.

• Most importantly, avoid clicking on any links or opening attachments from unsolicited emails.

To read the full article, visit http://www.dailyfinance.com/story/market-news/epsilon-security-breach-protect-your-p/19901868/

Smartphones: The Credit Cards of the Future

4/6/2011

Posted on 4/6/2011 by Veronica Brown

Like many other wireless companies, Spring Nextel Corp. is planning a program to allow users to make purchases with their mobile phones, reports the Washington Post.

This project would allow users to make purchases using their smartphones by tapping or waving them in front of electronic readers in stores. The purchases would be billed through users’ regular credit card statements. Sprint could share in revenue from sales of coupons or advertising rather than taking a percentage of each transaction.

Other wireless companies, including T-Mobile, AT&T and Verizon are planning similar programs for their smartphone users.

To read the full article, visit http://washpost.bloomberg.com/Story?docId=1376-LJ4RVK1A1I4H01-7TM94QOCAHE8HOTT801CCCBDU0.

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

4/4/2011

Posted on 4/4/2011 by
Arlington Va. -- 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,” says Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “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/.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About the 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 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.

Email Provider Affected by Huge Security Breach

4/4/2011

Posted on 4/4/2011 by Greg Hudson
The world's largest permission-based email marketing service, Epsilon, reported a breach in its security this past Friday, according to Mashable.

So far it looks like users have had their email addresses exposed in the breach. The list keeps growing of companies affected and so far includes:

TiVo
Kroger
JPMorgan Chase
Capital One
Citi
Walgreens
LL Bean

Let us know if you were you affected?

Read more: http://mashable.com/2011/04/03/epsilon-hacked/

Open App Markets Have Risks for Android Users

4/4/2011

Posted on 4/4/2011 by America Monge
Android users who venture outside the official Android Market must be careful which apps they install onto their devices.

The open platform gives Android users the ability to use apps from free markets, leaving them vulnerable to malware attacks. These 'free' markets have no regulations to the types of apps uploaded and all it takes to access them on an Android device is for you to uncheck a box on a settings page, allowing your phone to install apps from unknown sources.

Wired.com states that sticking to the Android Market is your safest bet, but if you’re still compelled to go outside the official box for your apps, whether it be on Amazon’s App Store or another unofficial market, you should scrutinize the permissions the App requests. Don’t install it if it wants access to certain functions (like the ability to send SMS messages) that the app shouldn't need to access.

Read more:
http://www.wired.com/gadgetlab/2011/04/android-trojan/

The Top April Fools' Day Hoaxes

4/4/2011

Posted on 4/4/2011 by America Monge
With every passing year, April Fools' Day popularity increases more as people all over try to come up with the best and most original prank. Recently, many media outlets and leading world corporations are partaking in pranking the public.

There were plenty of hoaxes circulating the Internet this past Friday but, as always, there's also plenty of real news too wacky to be fake. This year, ABCNews.com gathered 5 pranks that companies have put out to the public and challenges them to figure out which one is true.

To read more about the pranks and to vote for which one you believe was not a real, click on the following link:

http://abcnews.go.com/US/best-april-fools-day-hoaxes-2011/story?id=13274831

Rumor: iPhone 5 to Include 3D Camera

4/1/2011

Posted on 4/1/2011 by Veronica Brown
Mass 3D camera technology may not be so far away if rumors are true surrounding the Apple iPhone 5, the San Jose Business Journal reported.

An Apple Insider recently discovered the patent filing for a system that can capture and render 3D images and videos using dual cameras. The delay in releasing the iPhone 5 until the fall may be as a result of this new technology.

Other smartphone companies have already promised glasses-free 3D displays with the ability to take 3D photos and video such as HTC’s Evo 3D and LG’s Thrill.

To read the full report, visit http://www.bizjournals.com/sanjose/news/2011/04/01/3d-cameras-display-coming-on-iphone-5.html

Trader Joe's Recalls Frozen Pizzas

4/1/2011

Posted on 4/1/2011 by Veronica Brown
Trader Joe’s has recalled nearly 131,000 pounds of frozen pizzas, reports CBS News.

The recall comes after the USDA pointed out to the grocery chain that their “Pizza Al Pollo Asado” product failed to mention that it contain wheat. Many people are allergic to wheat, with symptoms ranging from nausea and hives, breathing problems, and in some cases a life-threatening reaction called anaphylaxis.

The pizzas were produced between January 27 and March 27 by Completely Fresh Foods in Montebello, California and were distributed in Trader Joe’s stores nationwide. The pizzas are 10-oz and have the number “EST.P-974” inside the USDA mark of inspection.

All of these pizzas have been removed from Trader Joe’s.

To read the full article, visit http://www.cbsnews.com/8301-504763_162-20049206-10391704.html

How to File an Insurance Claim

3/31/2011

Posted on 3/31/2011 by Becky Maier

With many natural disasters and harsh weather happening, your BBB wanted to provide some tips on how to file an insurance claim. Taking a few immediate steps can significantly increase your ability to obtain a quick settlement from your carrier.

If possible, photograph the exterior and interior of the premises, showing the damage.
Immediately call your insurance agent to report your claim. The agent will prepare a Notice of Loss form and an adjuster will be assigned to assist you.
Separate the damaged from the undamaged property, and put it in the best possible order for the adjuster's examination. If reasonably possible, protect the property from further damage.

Fuel-Efficient Vehicle Sales Stagnant Despite Rising Gas Prices

3/31/2011

Posted on 3/31/2011 by Veronica Brown

With gas prices as high as they are, one would expect the sales of fuel-efficient cars to rise as well. However, that’s not the case, reports USA Today.

In light of the government’s 2016 fuel-economy law, automakers are spending billions of dollars to meet the requirement. Unfortunately, customers are not buying enough of these fuel-efficient automobiles to allow manufacturers to reach the required 35.5 miles-per-gallon average.

Hybrid sales fell from 2.9% of new vehicle sales in 2009 to 2.4% in 2010. On the other hand, sales of pickups, SUVs, crossovers and minivans rose from 48% in 2009 to 51% last year. It seems people are just not ready to down-size.

According to statistics from the 1970s, the trend is that American consumers will buy smaller, more fuel-efficient cars for about three to four months. After that, they tend to go back to the large vehicles.

It is important to note that there are some exceptions. Toyota Prius sales are 47% this year through the end of February. Sales of Volkswagen’s Jetta and Golf clean diesel models have also risen.

To read the full article, visit http://www.usatoday.com/money/autos/2011-03-30-fuel-efficient-auto-sales-down.htm

Disaster Strikes: Everything You Need to Know to Protect Your Business

3/31/2011

Posted on 3/31/2011 by

By Lance Trebesch, CEO TicketPrinting.com

We all watched in horror as the videos from Japan illustrated an almost unthinkable nightmare, and our hearts go out to those who lost their communities, their possessions, and their loved ones in the tragedy. As the tsunami rushed toward land, the Japanese people had very little warning, in some cases, a mere fifteen minutes advance notice to gather their families and head for higher ground.

We sympathize with their suffering, and perhaps we take this chilling example as a call to action in our own lives. Do we have an emergency plan should we find ourselves in similar situations? Code words and meeting places known to family members? Supplies stocked away and important documents easily available? Are we fully insured for potential damage, whether we live on a flood plain, in tornado alley, or in an earthquake prone region?

What about your business?

If your business lacks an emergency plan, a natural disaster can turn into an unnatural catastrophe, but a little advance preparation can help you weather most storms with a greater sense of security. For example, if our production facility in Harlo, is destroyed, we have plans in place to immediately lease big mobile industrial trailers from GE Capital. If we lose our equipment, we have already identified a partner to whom we will switch our printing.

What about your facilities?

Even if you live in a part of the country unlikely to experience extreme or dangerous weather, your offices and production facilities should be fully prepared for one of the most common dangers: fire. Periodic fire drills help train your employees for any emergency in which they might be asked to leave the building quickly and safely. Appointing a fire marshal (or more than one, if your business is spread over many floors or throughout multiple offices) helps ensure that no one is left behind. Checking the batteries in your smoke detectors, testing your sprinkler system, and maintaining the charge in your fire extinguishers helps minimize damage, while keeping your wiring and up to code and insisting that all electrical equipment be regularly serviced and used according to the manufacturer’s specifications helps prevents fires from starting.

Business Continuity

Leasable emergency facilities and equipment
Business partners who can take over some of your operations
Relationship with temp agencies

What about your data?

When the power goes out, when hard drives crash, when computers are lost or damaged, you need to be prepared. Inexpensive, secure online memory is readily available, and huge amounts of portable data storage can be had for a price that was unthinkable just a few years ago. If your network is compromised, or you lose access to your primary information storage system, how are you going to retrieve your data? Customer records, inventories, invoices, supplier and distributor contact details, tax documents, training manuals, and protocols: any information that you need to do business requires multiple backups. Back it up on site, back it up on portable drives that can be stored off site or in fireproof safes, and back it up in the cloud. Extremely important information, including passwords, should also be maintained as a hard copy, off site. If one system fails, you’ll be glad you’ve copied all that information to an accessible platform.

Business Continuity

Retrieve data from multiple offsite backups
Leasable computers compatible with your needs
Relationship with tech support to get you back in business

What about your website?

If you are computer-savvy enough to serve as your own webmaster, or have in-house developers, then you probably know the importance of backing up your website. Maintaining a mirror site may be a good way to achieve this. If you pay a professional web developer to maintain your site, ask yourself how much access you have to this person? How reliable and available are they? Whether your site is compromised by a natural disaster, hacked from the outside, or otherwise becomes inoperative, you need to know that your webmaster is on the job, fixing problem the moment they’re noticed. Whenever we make any changes to our sites, we have our tech staff monitoring functionality, and they’re ready to jump in and save the day if anything goes wrong. If you distribute important information or sell your product online, losing your website can cripple your business, and not having a backup can be a costly and even career-ending mistake.

Business Continuity

Access to mirror or backup sites
Alternate web hosting
Contact reliable webmaster to ensure a smooth transition
Assure customers that you are working to fix a temporary difficulty

What about your suppliers?

You may ship products all around the world, and you may purchase materials from all across the nation. What happens when the people you depend on have to deal with disasters? Even if you love your suppliers and don’t want to do business with anyone else, you should maintain a list (and possibly a relationship) with other suppliers in case an emergency befalls your first choice. If you can’t manufacture your product without someone else’s product, make sure you know where you can get that part if your primary supplier can’t get it to you. It will help if you have a few options in different regions of the country. In a similar vein, keep track of multiple possibilities for shipping, Internet delivery, and for any services your business simply cannot exist without. Keep their contact information on hand. While your competitors are scrambling to regroup, you’ll already be on the phone with the people who can give you the edge.

Business Continuity

Alert alternate supplier that your contingency plan is in place
Arrange to have your shipping needs met
Alert customers of changes as a result of the emergency

What now?

Prepare, prevent, and plan. Make an honest assessment of your disaster preparation. Perhaps you can’t prepare for the unexpected, but a little advance planning goes a long way when chaos strikes. Can you afford to stick your head in the sand when things start to go wrong? Expect the best, but prepare for the worst. Preparing for disaster before it strikes helps you keep your head up and maintain the prosperity of your business when the world.

Choosing a credit card for your business

3/31/2011

Posted on 3/31/2011 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 Stephen 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 Warns Against Online Ads for E-Cigarettes

3/31/2011

Posted on 3/31/2011 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 Urges Consumers to Make Smart Solar Energy Investments

3/31/2011

Posted on 3/31/2011 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 Stephen 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.

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

3/31/2011

Posted on 3/31/2011 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,” says Steven A. Cox, President and CEO of the Council of Better Business Bureaus. “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:
1. Better Business Bureau
2. Federal Trade Commission.
3. Internet Crime Complaint Center, if contacted by internet or e-mail.
4. State Attorney General's Office and other local consumer affairs agencies.
5. 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/.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Kelsey Owen at 703-247-9376.

About the 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 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 Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren’t Their Own

3/31/2011

Posted on 3/31/2011 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.

Winner or Loser?

3/30/2011

Posted on 3/30/2011 by Carol Odell
No matter who you are --- or where you work, play or live, there will be failures. No avoiding it. So, what’s a person to do?

Rosabeth Moss Kanter says recover quickly. In her article Cultivate a Culture of Confidence in the April 2011 Harvard Business Review, Kanter says long-term winners often face the same problems as long-term losers. They respond differently.

If you want to be a winner avoid the “temptations to behave in ways that make it hard to recover fast enough --- and could even make the situation worse.” Kanter says avoid throwing out the game plan, scrambling for self-protecting and abandoning the rest of the group. Hiding the facts and hoping the problem will go away makes the situation worse.

Kanter says to have a “culture of confidence” by building cornerstones that develop and sustain confidence. These include accountability, collaboration, and initiative.

First create a culture that allows mistakes. We all make them. When a problem occurs, define and accept the problem. Work together to help solve the problem. Learn from the challenge. Don’t waste time on worry. Keep moving forward.

Read more: http://southerncolorado.bbb.org/post/winner-or-loser-10790

Spotify Apologizes for Malware Attack

3/29/2011

Posted on 3/29/2011 by America Monge
Online music streaming service Spotify has apologized for unknowingly serving a malware infected advertisement on its platform.

IT Proportal states that the advertisement displayed a an ad-supported free desktop version of the service, however, installed a fake malware infected anti-virus program on users' computers instead. The company reassured that people running an active anti-virus software program wouldn't have been infected by the malware.

To read full article, click here:
http://www.itproportal.com/2011/03/29/spotify-apologises-users-hit-by-malware-ad/

New Legislation Would Tax Electric Cars

3/29/2011

Posted on 3/29/2011 by Veronica Brown

Thinking about buying an environmentally-friendly car? You may want to consider possible legislation that would penalize electric cars for not using gas, reports CNN Money.

Currently, the federal government and most states give buyers tax credits for purchasing new electric cars. But, this new legislation would penalize electric car owners for not paying gasoline taxes by imposing a tax on each mile they travel. In order to track mileage, states would require a mandatory GPS device on the car.

The new tax would help to offset costs of highway and transportation expenses. The current gasoline taxes have fallen short of financing these expenses.

Tracking miles is the best way to assure motorists pay their fair share, says supporters of the tax. Another way to track this would be for readers on gas pumps that measure mileage since the last fill-up and imposing the tax immediately in the gas bill.

To read the full article, visit http://moneywatch.bnet.com/saving-money/blog/cars-money/new-tax-would-penalize-electric-cars-for-not-using-gas/2612/

Identity Protection Services That Are Free

3/30/2011

Posted on 3/30/2011 by America Monge
Many consumers rely on identity protection services to keep them from becoming a victim of identity theft. However, the ultimate guardian of personal information is the consumer. The Detroit News lists several steps that a consumer can take to be more aware and prevent identity theft from ever occurring.

Bank Services- Most banks offer free text or email alerts for you to monitor your transactions and immediately notice if something is not right in your account.

Credit Reports- Changes in your credit report are essential to know.
The consumer is entitled to 3 free credit reports annually -- one from
each of the credit bureaus.

Fraud Alerts- If you feel vulnerable to becoming a victim of ID theft
another preventative measure is to put a fraud alert on your profile
with the credit bureaus. Lenders must proceed with much caution when reviewing applications for credit under your name.

Credit Freezes- Another option is to to freeze your credit. This
permanently prevents any creditors from accessing your credit report.

To read full article, click here:
http://www.detnews.com/article/20110328/BIZ01/103280310/1001/biz

Are Rewards Cards the Best Option?

4/1/2011

Posted on 4/1/2011 by Veronica Brown
Be careful next time you consider signing up for a rewards card-it may not actually be worth it, Komo News reported.

The logic behind these credit cards is that the more you spend, the more you get back. However, this can cause people to spend more money than they intend to in order to get the rewards. Plus, you’re only receiving maybe one to two cents per dollar spent, so when you overspend, you negate the rewards you’ve already earned.

Another thing to consider is that rewards cards carry very high interest rates.

Instead of a rewards card, try a credit card with a low interest rate. If you do decide on a rewards card, look for one without an annual fee.

To read the full article, visit: http://www.komonews.com/news/consumer/118776669.html

iPhone 5 to Debut in Fall?

3/29/2011

Posted on 3/29/2011 by Greg Hudson
All signs are pointing towards a fall iPhone 5 release after reports surfaced this week that Apple hasn't begun ordering parts yet for its next generation smartphone.

One report says that Apple is focused on adding customers for its CDMA phone, the one that Verizon sells, according to the San Jose Business Journal.

Previously, new iPhone models have launched in early summer.

Read more: http://www.bizjournals.com/sanjose/morning_call/2011/03/new-reports-suggest-fall-debut-for.html

Common Facebook Scams to Avoid

3/30/2011

Posted on 3/30/2011 by Veronica Brown
Ever wondered which scams are most prevalent on Facebook? Security company BitDefender has compiled a graphic containing this information, illustrating the types of scams on the site, reports AOL Tech.

BitDefender found that the most widespread scams are profile insight apps, which promise Facebook users information such as how many people have viewed their profile, or how many people have deleted them as a friend. The security company estimates that these scams have generated more than 14 million clickthroughs. In addition, the social games offered by Facebook as well as image and video posts also present common scams.

To read the full article, visit http://downloadsquad.switched.com/2011/03/29/top-facebook-scams-revealed-by-bitdefender/

Of Sewer Pipes and an Accredited Business

3/28/2011

Posted on 3/28/2011 by Luanne Kadlub
BBB Accredited Businesses rock – and I’ll tell you why! Not too long ago my husband and I needed work on sewer pipes at a rental house. I cringed. This was not going to be cheap.

The bill arrived a few days ago and I was right. It wasn’t at all cheap. But here’s where it gets interesting. In an enclosed note, the business owner apologized for the total and gave a thorough accounting of what was done and why.

He also explained what he chose not to do.

Read more: http://wynco.bbb.org/post/of-sewer-pipes-and-an-accredited-business-10730

DoD is removing Social Security Numbers from ID cards

3/28/2011

Posted on 3/28/2011 by
To protect your privacy and personal identity information, your Social
Security Number (SSN) is being replaced with a DoD ID Number on
all ID cards.

ID Card Changes:

As of June 2011, SSNs will no longer be printed on any new ID card.
SSN removal will occur in three phases.
Your new ID card will have a DoD ID Number in place of your SSN.
Your DoD ID Number will be used as the Geneva Conventions serial number.
If you are eligible for DoD benefits, there will also be a DoD Benefits Number printed on your new ID card.

For FAQs and more information on the new cards, please view this PDF.

Whole Foods Adds Bars to Some Stores, Plans Wider Roll-Out

3/28/2011

Posted on 3/28/2011 by Greg Hudson
Whole Foods, the upscale grocer, is opening bars in 12 of its stores as a test before a wider roll-out, according to USA Today.

The bars will serve craft beer and wine and by 2012, the chain plans to open at least 7 more.

The bars will give Whole Foods a low-cost way to make a lot of money because the profit margin on wine and beer is high.

Read more: http://www.usatoday.com/money/industries/food/2011-03-25-whole-foods-bar.htm

BBB iPhone App is Coming Soon

3/25/2011

Posted on 3/25/2011 by Greg Hudson

BBB is the trusted resource for unbiased information on busineses, providing the most reliable evaluations in the marketplace. Millions of consumers and companies rely on the BBB to research local businesses. Now the power of the BBB is available at your fingertips when traveling or on the go. Introducing the official BBB iPhone app, featuring:

Search for local businesses by name, phone, URL, or category type.
Search via your current location or specify a city, state or zip code.
Display search results in list or map views.

Starz Delays Content to Netflix

3/25/2011

Posted on 3/25/2011 by Greg Hudson
Starz has followed other media companies and will delay content that will be available to Netflix, according to the San Jose Business Journal.

Shows on Starz such as "Camelot" will not be available for 90 days.

Read more: http://www.bizjournals.com/sanjose/news/2011/03/25/starz-delays-content-to-netflix.html

Spotify Users: Beware of Trojan Attack

3/28/2011

Posted on 3/28/2011 by Veronica Brown

Users of the music streaming client, “Spotify” should be aware that they are at risk of a malware attack, reports TNW.

The trojoan malware is linked to third party display ads, and deposited on computers via a Java-based exploit. The trojan, called Generic_r.FZ, has been identified by AVG anti-virus software.

At this point, it appears as though only users who use Windows have been affected. Nonetheless, Spotify is investigating the reports, and has removed all third party ads from the program.

To read the full article, visit http://thenextweb.com/eu/2011/03/25/spotify-hit-by-malware-attack/

Complaints to Better Business Bureau Up Ten Percent Nationwide

3/24/2011

Posted on 3/24/2011 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.bbb.org/us/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.

Complaints to Better Business Bureau Up Ten Percent Nationwide

3/24/2011

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%

IRS Offers Free Tax Filing Website

3/25/2011

Posted on 3/25/2011 by Veronica Brown

Looking for help filing your taxes? Look no further. The IRS has introduced freefile.irs.gov, a free and easy way to file taxes, reports Komo News.

The government website allows users to file their taxes free of charge. For those whose adjusted gross income was is $58,000 or less, it offers even more free help.

In a partnership with many private companies, the website lists software from all of the major tax filing companies, such as H & R Block and Turbotax. For those who do not need to itemize, this is an easy and straightforward way to file taxes.

To read the full article, visit http://www.komonews.com/news/consumer/118545449.html

Shareholders Approve Southwest Airlines, AirTran Merger

3/24/2011

Posted on 3/24/2011 by Veronica Brown
The stockholders of AirTran Holdings Inc. have approved a merger with Southwest Airlines, reports the Washington Business Journal.

Almost 99 percent of those eligible cast their vote. Of those, 77 percent favored the merger. The $1.4 billion merger was announced by Southwest back in September.

To read the full article, visit http://www.bizjournals.com/washington/morning_call/2011/03/airtran-shareholders-ok-southwest-merger.html

Worst Cell Phone Service in the Country: DC and Baltimore

3/24/2011

Posted on 3/24/2011 by Greg Hudson
If you live in the Washington-Baltimore area, you may have found yourself with a lot of dropped calls while using your cell phone. That's because a recent study found the Washington-Baltimore region to have the worst cell phone service of any major city in the U.S., according to the Washington Examiner.

The J.D. Power and Associates report ranked 27 markets and found the DC area to have 18 problems per 100 users. Nationwide, Verizon fared the best for service according to the report.

Read more: http://washingtonexaminer.com/local/dc/2011/03/dc-has-worst-cell-service-us

Walgreens to Merge with Drugstore.com

3/24/2011

Posted on 3/24/2011 by Veronica Brown

Walgreens announced this morning that it will acquire Drugstore.com, a popular online retailer for a reported $409 million, reports TechCrunch.

With the merger, Walgreens will also obtain other websites operated by Drugstore.com, including Beauty.com and SkinStore.com. The drugstore said it will maintain separate branding for each website.

Drugstore.com, which was founded in 1998, operates out of Bellevue, Washington, with more than 1,000 employees. Walgreens has promised it will maintain the corporate office after the merger. Drugstore.com registered more than $456 million in sales in 2010.

The online retailer’s stockholders will receive $3.8 in cash for each share of stock, under the terms of the agreement, totaling $429 million.

To read the full article, visit http://techcrunch.com/2011/03/24/boom-walgreens-buys-online-retailer-drugstore-com-for-409-million/

Walgreens to Merge with Drugstore.com

3/24/2011

Posted on 3/24/2011 by Veronica Brown
Walgreens announced this morning that it will acquire Drugstore.com, a popular online retailer for a reported $409 million, reports TechCrunch.

With the merger, Walgreens will also obtain other websites operated by Drugstore.com, including Beauty.com and SkinStore.com. The drugstore said it will maintain separate branding for each website.

Drugstore.com, which was founded in 1998, operates out of Bellevue, Washington, with more than 1,000 employees. Walgreens has promised it will maintain the corporate office after the merger. Drugstore.com registered more than $456 million in sales in 2010.

The online retailer’s stockholders will receive $3.8 in cash for each share of stock, under the terms of the agreement, totaling $429 million.

To read the full article, visit http://techcrunch.com/2011/03/24/boom-walgreens-buys-online-retailer-drugstore-com-for-409-million/

Tips for Buying a Used Car

3/23/2011

Posted on 3/23/2011 by Carol Odell

Do you or your children need a good used car? Is it stressing you to look for a used car? Buy with confidence by considering the following tips:

Think about how long you will keep the car, what color, size, and features you want. And, of course, what you can afford.
Talk to people who have a car like you are considering buying. What do they like or dislike about the car?
Talk with your bank or credit union about their terms for a used auto loan.
Use resources about used cars, such as Edmunds’s Used Cars Prices and Ratings (www.edmunds.com), Consumer Reports, Monthly Kelly Blue Book (www.kbb.com).
Check out the dealer’s reputation at the Better Business Bureau (www.bbb.org).
Ask the dealer for the CARFAX on the vehicle and/or how you can contact the previous owner.
Check with banks and credit unions for repossessed cars to pay off defaulted loans.
If you buy from a private owner, ask for the car’s maintenance and repair records. Check the title to make sure the seller is the legal owner.

American Academy of Pediatrics Issues New Recommendations on Car Seats

3/23/2011

Posted on 3/23/2011 by Becky Maier
New advice is published in the April 2011 issue of Pediatrics magazine from The American Academy of Pediatrics (AAP) for parents regarding car seats.

Among the advice is keeping toddlers in rear-facing car seats until the age of 2 or until they reach the maximum weight and height for their car seat. The AAP also recommends that children remain in a booster seat until they are between 8-12 years old, or have reached 4 feet 9 inches. AAP also recommends that children ride in the backseat until they are 13.

For more information regarding car seat safety, visit www.aap.org.

Read more: http://pittsburgh.bbb.org/post/american-academy-of-pediatrics-issues-new-recommendations-on-car-seats-10593

BBB Torch Awards Gala a Great Success

3/23/2011

Posted on 3/23/2011 by Greg Hudson

It was a fantastic event last night at the Andrew W. Mellon Auditorium in Washington, DC.

The BBB International Torch Awards honored Don Blandin, Investor Protection Trust CEO, Outback Steakhouse, USAA, CustomInk.com, David Mackay, former Kellogg Company CEO, and Lex Brodie’s Tire Company for their exemplary work in advancing marketplace trust.

>> View photos from the event

Sharon Abrams Assumes Chairmanship of BBB

3/23/2011

Posted on 3/23/2011 by
ARLINGTON, VA – The Board of Directors of the Council of Better Business Bureaus (CBBB) has announced the appointment of Sharon Abrams as Chairman of the Board, replacing Pete Blackshaw, who has accepted a position with Nestle in Geneva, Switzerland.

Abrams is Vice President and General Counsel, North America, of The Procter & Gamble Company, and has served on the CBBB Board of Directors since 2007 and on its executive committee since 2009. Abrams is also active with the Cincinnati BBB as a Board member and Vice Chair of its executive committee.

“Sharon brings a diverse corporate background to this position,” said Steve Cox, President and CEO of the Council. “She has experience with governance and legal issues, marketing, team-building, consumer trends and social media. Moreover, she is passionately committed to ethical business practices and believes strongly in our mission to foster trust in the marketplace. The board and staff have a great deal of confidence in her ability to lead us into our centennial year and help prepare the organization for its second century.”

Abrams joined Procter & Gamble in 1985, and held a variety of positions of increasing responsibility until 2002, when she was named Secretary. Most recently, she served as P&G’s General Counsel for Western Europe before returning to the Company’s headquarters in Cincinnati, Ohio, in 2006 to assume her current post.

In addition to BBB, Abrams has been involved with numerous professional organizations. She has served on the legal committees of the Soap & Detergent Association and the Grocery Manufacturers of America, on the Competition Law Committee of AIM (the European Branded Goods Association), and is a past member of the American Society of Corporate Secretaries. She has been rated AV® PreeminentTM by Martindale Hubbell, and was selected for the inaugural edition of the Martindale-Hubbell® Bar Register of Preeminent Women Lawyers™.

Abrams graduated summa cum laude with a degree in economics from the University of Dayton, where she was a Presidential Scholar and a member of the National Economics Honor Society. She graduated cum laude, Order of the Coif from Northwestern University School of Law, where she was a John Henry Wigmore Scholar and an editor of the Journal of Criminal Law and Criminology. She is a member of the Ohio Bar Association, the Bar of the Supreme Court of Ohio, and the Cincinnati Bar Association. She is also a long-time member of the Association of Corporate Counsel.

About the 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 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.

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For more information or to schedule an interview, contact Sheila Adkins at 703-247-9312 or e-mail sadkins@council.bbb.org.

Cricket Becomes First LightSquared 4G Customer

3/22/2011

Posted on 3/22/2011 by Veronica Brown

LightSquared, a company building a nationwide 4G network, has received its first customer, reports the Washington Business Journal.

Leap International Inc., based in San Diego, has made a long-term roaming agreement to use the wholesale-only 4G network. Cricket, Leap’s operating subsidiary, will be able to back up the coverage it plans to organize across its own network with roaming services from LightSquared. Terms of the agreement were not released.

To read the full article, visit http://www.bizjournals.com/washington/news/2011/03/22/lightsquared-lands-cricket-for-its-4g.html

The Home Depot Rolls Out Mobile Barcodes

3/22/2011

Posted on 3/22/2011 by Veronica Brown

As you browse the shelves of The Home Depot, you’ll soon be able to find additional information on products via mobile barcodes, reports Mashable.

In a partnership with Scanbuy, The Home Depot will include barcodes in stores, print ads and signage. Activated codes will provide how-to videos, product demos, relevant accessories, buying and project guides, and the ability to buy the product online. When customers activate the barcode outside of the retail location, they will be able to buy the product directly from their mobile device.

To access the codes, users can download the ScanLife system, or text “HDscan” to 43588.

To read the full article, visit http://mashable.com/2011/03/22/mobile-barcodes-home-depot/

AT&T Plans to Purchase T-Mobile

3/21/2011

Posted on 3/21/2011 by Greg Hudson
AT&T announced Sunday that it plans to buy T-Mobile USA from Deutsche Telekom AG. If the deal goes through, it would make AT&T the largest mobile phone company in the U.S., according to the Detroit News.

The sale is expected to face tough scrutiny because the deal would reduce the national cell phone competition from 4 to 3 carriers.

Read more: http://www.detnews.com/article/20110321/BIZ04/103210335/1013/AT&T-will-buy-T-Mobile-USA

Tax Deductions You Might be Overlooking

3/21/2011

Posted on 3/21/2011 by America Monge
The complexity of the tax code is always changing. With the tax deadline approaching, here are some deductions that you might overlook:

Tax breaks for non-itemizers- For 2010, the standard deduction is $5,700 for singles and $11,400 for married couples who file jointly. Taxpayers who are over age 65 or blind can claim a larger amount.

Student loan interest- For 2010, borrowers can deduct up to $2,500 in interest on student loans as long as the loan was a qualified student loan for higher education

Moving expenses- You can deduct most of your moving expenses, as long as your new workplace is at least 50 miles farther from your old home than your previous workplace was.

Alimony- You must fill out a 1040 to claim this deduction

Job search expenses- Deductible expenses include the cost of hiring a recruiter, résumé preparation and travel for interviews. However, the deduction is limited to the cost of searching for a job in your field.

Medical expenses- You can only deduct the portion of unreimbursed medical costs that exceeds 7.5% of your adjusted gross income.

To read full article, click here:
http://www.usatoday.com/money/perfi/taxes/2011-03-18-tax-deductions.htm

Is it Time to Change Your Batteries?

3/18/2011

Posted on 3/18/2011 by Becky Maier

When was the last time you changed the batteries in your smoke alarm and carbon monoxide detector? When was the last time you tested them? As everyone turned their clocks forward last weekend, the U.S. Consumer Product Safety Commission (CPSC) recommended consumers also change their batteries and test their devices.

The CPSC recommends that batteries on both smoke alarms and carbon monoxide detectors be changed once a year. They also recommend testing both devices monthly.

http://pittsburgh.bbb.org/post/is-it-time-to-change-your-batteries-10568

Honda Recalls 33,000 Minivans

3/21/2011

Posted on 3/21/2011 by America Monge
Honda is recalling 33,000 minivans over faulty windshield wipers that could increase the risk of a crash. The company says that if the windshield wiper blades become frozen to the windshield, the rod may separate from the motor, making the wipers inoperative.

The Detroit News reports that Honda is receiving most of their warranty claims in the cold weather areas of North America.

To read full article, click here:
http://detnews.com/article/20110318/AUTO01/103180415/1361/rss41

Frank Eliason Elected the Board of Directors of the Council of Better Business Bureaus

3/18/2011

Posted on 3/18/2011 by
Arlington, VA – Frank Eliason, Senior Vice President of Social Media for Citibank, was recently elected to the Board of Directors of the Council of Better Business Bureaus (CBBB).

While at Citibank, Eliason has helped change the way the global financial institution manages its relationships by building a lifetime of trust between Citibank and its customers.

“Being a thought leader and speaker in the field of social media and customer experience, Eliason brings a valuable perspective to the Council,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. The Council is the network hub for 122 Better Business Bureaus in the United States and Canada. Like BBBs, the Council is dedicated to fostering honest and responsive relationships between businesses and consumers, instilling consumer confidence and contributing to a trustworthy marketplace.

Prior to joining Citibank, Eliason was best known as the voice behind @ComcastCares. His innovative work with Comcast is part of a top case study that proves social media to be a positive role for corporations. Eliason’s distinguished advancements in social media have been recognized by many news organizations such as CNN, The New York Times, Business Week, and others.

Eliason serves as a board member of the Society of Consumer Affairs Professionals (SOCAP) and as an active member on the advisory board for Drexel University’s Center for Corporate Reputation Management.

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About the 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 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.

Getting a Copy of Your Birth Certificate

3/18/2011

Posted on 3/18/2011 by Carol Odell
Do you need a copy of your birth certificate for a passport, to apply for a job, purchase insurance or other reasons? Where do you begin?

Don’t be pulled into a scam. There are some sites that will charge a fee for what you think is a purchase of your birth certificate. After you pay, you learn it’s just a finder’s fee for a website where you can actually purchase a birth certificate, such as www.vitalchek.com.

Also, don’t be caught by a phishing scam. The site pretends to be a legitimate one, such as a government site, when in reality it is a fraudulent site designed to get information to steal your identity.

Read more: http://southerncolorado.bbb.org/post/getting-a-copy-of-your-birth-certificate-10512

Google Launches Person Finder to Assist with Japan Earthquake

3/18/2011

Posted on 3/18/2011 by Greg Hudson
Google launched a people finder service for those affected by the earthquake and tsunami.

The web-based system can be used to help locate both Japanese residetns and tourists.

Webmasters and bloggers can embed the search tool on their sites with a few simple lines of html code.

Marketing Green for Earth Day? What FTC’s Green Guides Mean for Your Business

3/17/2011

Posted on 3/17/2011 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.