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In the News -- Complaints on Computer Deals from Tronix Country

5/17/2012

Posted on 5/17/2012 by
Customers who purchased computers online from Tronix Country are complaining to BBB about non-delivery and other problems, reports Chris Hansen on Dateline NBC.

"We have over 180 complaints on the company on timeliness of shipping, and many consumer complaints allege that the product literally fell apart after they received it, or wasn't the brand name item that had been advertised," said Ed Johnson of the Better Business Bureau in Washington, DC.

Dateline reports that due to the complaints, TronixCountry has a BBB rating of D, on a scale from A+ to F.

Learn more and find out what happened when a Dateline staffer ordered a computer from TronixCountry.

See the Dateline story above or click here.

For the BBB Business Review on Tronix Country, click here.

To check out a business with BBB, start at www.bbb.org. For the free BBB iPhone app, visit the app store.

In the News -- Complaints on Computer Deals from Tronix Country

5/17/2012

Posted on 5/17/2012 by
Customers who purchased computers online from Tronix Country are complaining to BBB about non-delivery and other problems, reports Chris Hansen on Dateline NBC.

"We have over 180 complaints on the company on timeliness of shipping, and many consumer complaints allege that the product literally fell apart after they received it, or wasn't the brand name item that had been advertised," said Ed Johnson of the Better Business Bureau in Washington, DC.

Dateline reports that due to the complaints, TronixCountry has a BBB rating of D, on a scale from A+ to F.

Learn more and find out what happened when a Dateline staffer tried to order a computer from TronixCountry.

See the Dateline story above or click here.

For the BBB Business Review on Tronix Country, click here.

To check out a business with BBB, start at www.bbb.org. For the free BBB iPhone app, visit the app store.

In the News -- Complaints Against SaveMore.com Skyrocketing

5/16/2012

Posted on 5/16/2012 by
Complaints on SaveMore.com, a daily deal site based in Addison, TX, are skyrocketing, reports Jack Fink of CBS11-TV, Dallas - Fort Worth. In December, 2011, there were 260 complaints -- now nearly 1,500 complaints have been filed with BBB about the site.

“It’s a very short time to get in that many complaints. The complaints are all the same over and over again.. about not getting the voucher, it doesn’t work, not getting a product they ordered," says Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas.

Jack Fink notes, "The Texas Attorney General’s Office says if consumers have problems with Savemore.com, they should file a complaint with the state. Both the state and the BBB say if you paid for goods with a credit card, and you didn’t receive them, you should contact your credit card company to stop payment."

See the story above or click here:
http://dfw.cbslocal.com/2012/05/15/complaints-against-addison-based-daily-deal-site-skyrocketing/

SaveMore.com has a BBB Rating of F, the lowest rating possible. For the BBB Business Review on SaveMore.com, click here:
http://www.bbb.org/dallas/business-reviews/internet-shopping/savemorecom-in-addison-tx-90344226

Heartbroken Woman Lost $7,600 to Dating Scam

5/15/2012

Posted on 5/15/2012 by

Millions of people looking for love use dating and social networking sites to meet people. The Association of Psychological Science reports online dating is the second most common way for couples to meet– keeping the good old fashioned “friends and family introductions” at the number one spot but surpassing church, gym and bars.

While many wish to start a successful relationship, the anonymity of the Internet makes it possible for con artists to meet potential victims. “Online, it’s easy to pretend to be someone you are not. The scammers create fake profiles to build online relationships, and eventually convince people to send money in the name of love. Some even make wedding plans before disappearing with the money,” stated Jim Hegarty, President of the Better Business Bureau in Nebraska.

A woman in Lincoln, NE, recently reported to the BBB that she was a victim of a dating scam. She developed a 16-month online relationship with a man named “Mark Ronald” who told her that he was in Nigeria working on a construction job. He sent the woman pictures of himself with his son and told her he was building an orphanage and would be receiving a payment of $16 million for the project in the near future. At one point he indicated that he intended to share one million dollars with her.

After months of communication and successfully winning the woman’s trust, the scammer told his victim that he was planning to head back to the states but he needed cash because he had just been “taken for $75,000,” and in order for him to receive payments owed to him on the orphanage, money was needed to clear the payment owed him. Of course “Mark” promised to pay her back.

Over the last year she wired money by Western Union as instructed to “Mark’s” friend, “James Winland”, in Ikeja, Nigeria. The money transfers ranged from $150 - $1,800. The consumer wired a total of $7,600. She was told that he was sending money as repayment to her by Western Union. But when she went to a local grocery store to retrieve the wire, the transfer had been cancelled.

Recently, “Mark” referred her to his financial advisor, “Audrey Martinez” who told her that she had authorized money to be released to pay the woman back but that she needed to send an additional $450 to cover her services. When the woman refused to make this payment, she received an email stating, “If you even think about taking me down, I will destroy your life.” Feeling threatened, the woman called the BBB and also plans to notify legal authorities. Additionally, when she notified Match.com that she had been scammed, they removed “Mark’s” profile immediately.

“As the online dating industry continues to grow, consumers should be especially aware of the potential dangers that accompany dating sites,” said Hegarty. “Scam artists are constantly coming up with new ways to trick victims, and are even going as far as creating phony dating Web sites.”

When using the Internet to find love, BBB warns consumers to beware of the following red flags:

They are unable to physically meet you. Scam artists are unwilling to meet their victims in person, and will only communicate online or by phone. They often claim that they are unable to meet due to career or life circumstances that take them overseas.

They share similar interests. Typically, the scammers are charming and sensitive towards their victims, and pretend to share the same values in order to gain their trust. They are also quick to develop a relationship and talk of love. Many scam artists send flowers and gifts that were purchased using stolen credit cards.

There is a sudden emergency. Once the relationship has been developed, scam artists will claim that there has been an emergency and they need your assistance. The emergency often involves a family member’s health, and they ask you to wire money to them because they are unable to access their account.

Don’t give anyone you are interacting with on a dating site sensitive information that could be used to steal your identity or gain access to financial accounts. BBB also recommends doing research beforehand to make sure the dating service you are using is legitimate and has a favorable business review with the BBB.

In the News -- Daily Deal Company SaveMore.com Dodges Questions

5/15/2012

Posted on 5/15/2012 by
Customer complaints keep pouring in to the Better Business Bureau in Dallas about daily deal site SaveMore.com concerning non-delivery of gift cards and problems with other purchases. Due to the complaints, SaveMore.com has a BBB rating of F, the lowest rating possible.

In this news story, Chris Nagus of KMOV in St. Louis, MO, reports on the complaints, and on ties from SaveMore.com to Credit Solutions of America, a debt relief business with a record of complaints.

He talks with two consumers who say they got nothing from SaveMore.com. See what happens when he tries to talk with the business.

See the news story above or at this link:
http://www.kmov.com/home/Daily-deal-company-dodging-questions-about-ripping-off-St-Louisians-150836555.html

For the BBB Business Review on SaveMore.com, see
http://www.bbb.org/dallas/business-reviews/internet-shopping/savemorecom-in-addison-tx-90344226

BBB Tips for Successful Mother’s Day Shopping

5/8/2012

Posted on 5/8/2012 by

It’s almost Mother’s Day! Whether you are ordering flowers, shopping for custom jewelry, or arranging for a special spa day appointments for the wonderful women in their life, be a smart consumer. BBB sees lots of scams that focus on holiday shopping, and is warning consumers to proceed with caution before falling victim to a Mother’s Day vendor scam, especially when shopping online.

BBB urges consumers to take extra precaution with placing floral orders, especially online. “Not all online florists are the same,” says Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “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.” In 2011, more than 96,000 consumers searched for trustworthy florists on www.bbb.org. Most major floral delivery services are BBB Accredited Businesses, as are more than 500 local florists across the U.S. and Canada.

When finalizing gifts and shopping online, BBB recommends adhering to the following:

Do your homework. Before ordering flowers, jewelry or any other gifts for Mother’s Day, check out the company’s BBB Business Review at www.bbb.org. This is a great way to help prevent disappointment with the product or customer service.

Allow time for shipping and delivery. Check with the retailer or website to be certain that you have allowed enough time for delivery. Make sure that this date is specified clearly and guaranteed when you order. If you order ahead of time, delivery and other charges will be less than last-minute or overnight shipping. Some florists offer discounts for deliveries a couple of days before a major holiday, since that helps them deal with the rush.

Have a back-up plan. Make sure you understand the store's guarantee. Find out how customer complaints are handled and what recourse you will have if the arrangement is not satisfactory. It’s best to use a credit card when ordering online, because you can dispute charges if the vendor doesn’t come through.

Make sure the business has your information. When it comes to flower delivery, there are times when delivery instructions need to be confirmed or a delivery driver needs additional directions. Making sure the florist has a call-back phone number or your cell phone to help them make sure your mom gets what you expect.

For more tips you can trust, visit www.bbb.org. On your mobile device, see m.bbb.org, and for iPhone, get the free BBB iPhone app.

In the News -- Consumers Complain SaveMore.com Ripped Them Off

5/7/2012

Posted on 5/7/2012 by

Consumers are complaining about non-delivery of gift cards from daily deal site SaveMore.com, reports FOX 59 TV in Indiana. After an online shopper in Indiana had a problem with a purchase from SaveMore.com, she found that the business has a BBB rating of F. The shopper purchased a $25 gift card for $15, intending it to be a Christmas gift, but the gift card never arrived.

Central Indiana BBB CEO Bill Thomas said that nearly 1,300 people have complained to BBB about Savemore.com in the last year.

“I think it was right before Christmas 2011 that the Dallas BBB sent out an alert and then the floodgates opened and there were a lot of customers who said ‘yeah, I made a purchase for a $15 for a $25 gift card and I haven't received mine either,’” said Thomas.

The site has been down at times, the news report notes, but the site has been live for a few days and it appears people are still making purchases.

Mr. Thomas said with so many sites like this popping up, shoppers should research the site before giving any credit card information. He said consumers need to read reviews and go to the BBB website to see if other people have had problems with a particular website.

See the BBB Business Review on SaveMore.com here: http://www.bbb.org/dallas/business-reviews/internet-shopping/savemorecom-in-addison-tx-90344226

To see the Fox 59 story, click here: http://www.fox59.com/news/wxin-savemorecom-ripped-off-consumers-claim-savemorecom-ripped-them-off-20120503,0,1783492.column

In the News -- Smishing Is New Way to Scam Your Info

5/7/2012

Posted on 5/7/2012 by

Smishing is a new way to steal your personal information, reports Roni Proter of CW33, Ch. 33, Dallas - Fort Worth. Smishing is a combination of phishing which refers to sending fake messages and SMS which refers to text messages.

Scammers send text messages that appear to be from well-known businesses, trying to get victims to click on a link. The Walmart name appears in some smishing messages.

"It looks like it's somebody from Walmart, but it's not. It's designed to get you to a site where they steal information," says Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas.

Walmart has an alert about the scam on its website:
http://www.walmartstores.com/PrivacySecurity/10840.aspx?p=9620

If you receive a text that you believe is fake, don't click on the link. You can report it to the Spam Reporting Service by texting "7726" spelling SPAM to your mobile service provider. You will receive a message back asking for information to identify the source of the spam. See
http://www.gsma.com/technicalprojects/gsma-spam-reporting-services/

To see the story about smishing on CW33, click here:
http://www.the33tv.com/news/kdaf-smishing-the-new-way-to-scam-your-info-20120504,0,7072208.story

City of Lancaster Hosting Disaster Relief Town Hall Meeting

5/2/2012

Posted on 5/2/2012 by
To help residents of Lancaster, TX, who are dealing with tornado recovery, the City of Lancaster is hosting a Disaster Relief Town Hall Meeting at 6:30 pm on Thursday, May 3, 2012. The event will include presentations by the BBB, Small Business Administration (SBA), and other resource providers.

The event will be held at the Senior Life Center, 240 Veterans Memorial Parkway, Lancaster, TX.

Better Business Bureau (BBB) serving Dallas and Northeast Texas will provide tips on avoiding scam contractors. BBB also will tell how to check out businesses, and how to find BBB Accredited Businesses, who are checked, approved and monitored. Visit BBB online at www.bbb.org, or on your mobile device at m.bbb.org. Get the free BBB iPhone app from the app store.

For more detailed information on the Town Hall meeting, call the City of Lancaster at 972-218-1300 or visit www.lancaster-tx.com.

BBB Continues Warning on Independent Publisher of Yellow Pages Directories

4/25/2012

Posted on 4/25/2012 by
BBB is again alerting businesses to beware of mailings sent by an independent yellow pages publisher, Yellow Pages Directories, P.O. Box 111580, Carrollton, TX. As first reported in 2007 by BBB serving Dallas and Northeast Texas, businesses across the country allege that mailings from Yellow Pages Directories are misleading and fail to adequately disclose the terms of the offer. Due to the complaints, the business has a BBB rating of F, the lowest rating possible.

Businesses complain that the “first and only” notices from Yellow Pages Directories ask businesses to “make additions or corrections” to a “free” directory listing. However, the back of the mailing explains that only an “enhanced” online listing is free, and filling out the form will result in a semi-annual bill of $298 for the print edition, plus charges for bold listings or additional categories. After the first year, the “free” enhanced Internet listing costs $69.90 semi-annually.

“Despite an alert from BBB in 2007 about complaints, and a court order in 2008 following a suit by the Texas Attorney General’s office, complaints are continuing on Yellow Pages Directories,” said Jeannette Kopko, spokesperson for Better Business Bureau serving Dallas and Northeast Texas. “Businesses across the U.S. should be alert to mailings that appear to be confirmation of a Yellow Pages listing, but in fact are offers to buy advertising in independent directories.”

In July, 2011, the owner of a new business in Frisco, TX, complained: “I received what appeared to be a form for correcting any information for my free listing. Since I had changed my phone number I filled out the form and sent it in so that my free listing would have the correct phone number … I received another letter which I opened to find out that I was being billed $298.00 plus a $29.00 late fee … I was very unhappy that they used deceptive practices to get me to sign a contract … in the small print on the back they notify you that you are signing up for an auto-renewing contract.”

In November, 2007, the Texas Attorney General’s office filed suit on Yellow Pages Directories, charging that the business was sending misleading direct mail pieces to businesses across the nation. The suit charged that the mailings suggested the recipients had a pre-existing relationship with Yellow Pages Directories and therefore owed money for an advertisement. Although the word “free” appeared in the mailings, recipients who thought they needed to renew their advertisement were required to pay about $300.

In June, 2008, Yellow Pages Directories was ordered to make refunds to customers. The business also was prohibited from representing a pre-existing relationship where one did not exist, and was ordered to make clear and conspicuous price disclosures in future mailings.

Even after the court order, BBB has received 146 complaints during the last 3 years alleging that the mailings are misleading. Complaints are from 39 states. Yellow Pages Directories answers complaints, maintaining that the offer is clear, and cancels accounts in some cases. The BBB Business Review for Yellow Pages Directories shows that the business has a BBB rating of F due to the number of complaints, including 8 unresolved complaints and 1 unanswered complaint.

"The bottom line is that these mailings have shown over the years that they have been designed in a manner which is likely to confuse businesses as to their intent or purpose," said David Beasley, Director of Trade Practice Investigations for BBB in Dallas. "Unfortunately businesses that do respond may find that the ‘free’ offers touted within the mailings may result in a bill in excess of $300.”

A business in Illinois complained in March, 2012, “I received, as many others have, what looked like an invoice stating that this was our final chance to get our business listed with the yellow pages. I saw nothing that indicated any amount due so I signed it and sent it in. A few weeks later, I received a letter stating that I owed them $298 … The invoice they originally sent was very deceiving.”

BBB offers these tips for business on Yellow Pages offers:

• Directories may have names that sound alike, so look closely to see who the offer is from. The term “Yellow Pages” can cause confusion because it isn’t copyrighted, and independent directory publishers use the term as well as local telephone companies.

• Check out the business publishing the directory with Better Business Bureau at www.bbb.org. BBB Business Reviews provide a BBB rating from A+ to F based on 16 elements, including whether there are complaints and whether complaints are resolved by the business.

• Alert your accounting personnel to be on the lookout for disguised solicitations. Read Yellow Pages offers carefully, including any small print. Look for terms and conditions, as well as costs.

To check out a business, find lists of BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report false advertising, start at www.bbb.org/. On your iPhone or iPad, download the free BBB app.

In the News: Be On Guard for Fly-By-Night Contractors

4/15/2012

Posted on 4/15/2012 by

In the wake of the tornados that struck the Dallas area in early April, “fly-by-night contractors looking for quick deals have been popping up,” reports Marcus Murphree in The Dallas Morning News.

“I can tell you that it’s expected after a bad storm that out-of-town contractors would show up,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “While some may be good, others might take money and not do the job, not finish the job, or not be around and not honor the warranty” on the project.

Homeowners should be pro-active in choosing a contractor, even with all the stress of dealing with the effects of a disaster.

“Some red flags include contractors going into a high-pressure situation, saying ‘You’ve got to sign up right now for this price,’” Kopko said.
BBB also advises to get several estimates to compare prices, contracts and warranties.

The article notes these tips from BBB on avoiding scams:

• Check with your insurance company about policy coverage and specific filing requirements.

• Be wary if a contractor is rushing you to sign something.

• Shop around for three or four estimates.

• Trust your gut. You need to feel good about your contractor before beginning the long repair process.

• Once you’ve found a contractor, request proof of a current insurance certificate.

• Never pay in full for repairs in advance, and never pay cash.

• Avoid door-to-door contractors who claim to have leftover materials.

• Require a written contract agreement with anyone you hire.

See the full article here: http://www.dallasnews.com/news/20120414-experts-urge-tornado-victims-to-be-on-guard-for-fly-by-night-contractors.ece

To check out a business, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report false advertising, start at www.bbb.org.

In the News: How to Avoid Getting Ripped Off by "Storm Chasers"

4/8/2012

Posted on 4/8/2012 by

After the tornadoes in the Dallas area, Jeannette Kopko for BBB Dallas and Northeast Texas tells Shon Gables of WFAA-TV how consumers can avoid shady contractors who blow in after a storm, sometimes called “storm chasers”.

See the story above, or go to http://www.wfaa.com/news/weather/04-12-tornado-outbreak/How-to-avoid-getting-ripped-off-by-storm-chasers-146527745.html

BBB advises to avoid:
• High pressure to sign right away for a good deal
• Door-to-door contractors who claim they can offer a bargain after doing a job nearby
• Scare tactics to make you think your home is unsafe unless they do the work right away
• Incomplete contact information, or information that doesn’t check out

To choose a contractor:
• Get 2 or 3 estimates; ask friends, neighbors, family for recommendations
• Check out contractors. To check with BBB, start at www.bbb.org to check on a business or find BBB Accredited Businesses by category. BBB Accredited Businesses are checked, approved, and monitored to adhere to BBB standards.
• Make sure the contractor has obtained any necessary permits or licensing.
• Get a signed contract showing the work to be done, the materials, and the total amount due. If there is a warranty, it should be in writing. Read before signing.
• Don’t pay the total amount up front. It’s common to pay a deposit. Work out an amount that’s comfortable for you. Don’t make the final payment or sign a completion agreement until all the work is done to your satisfaction.

Visit BBB at www.bbb.org. On your iPhone, visit the app store for the free BBB app, http://www.bbb.org/iphone/

Storm and Disaster Damage Tips

4/4/2012

Posted on 4/4/2012 by
The Better Business Bureau reminds those who experience storm damage to take certain precautions when cleaning up and making repair decisions.

Natural disasters like tornados, hurricanes, floods, fires and earthquakes can bring out the best in people, as strangers reach out to help others in need. Unfortunately, crises also bring out persons who choose to take advantage of the victims.

Some of the most common "after-disaster" scams involve your auto, home and yard repairs or clean-up. The Better Business Bureau offers the following tips to homeowners who suffer auto and 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. Be pro-active in selecting a company and not re-active to sales solicitations. Make temporary repairs if necessary.
For major repairs, take time to shop around and get 3-4 estimates based on the same specifications and materials. Check out references that are at least one year-old, verify with the local licensing agency that the businesses are permitted to do work in your area and all work inside homes that pre-date 1978 must be done by contractors that are Certified to Conduct Lead-Based Paint Activities and Renovations.
Be wary of door-to-door workers who claim to have left-over materials from a job “down the street” or who do not have a permanent place of business. If sales people go do-to-door, check to see if your community requires them to have solicitation permits.
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.
Require 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. Any promises made orally should be written into the contract, including warranties on materials or labor. Be sure their name, address, license number – if applicable and phone number along with a start and end date for the work is included in contract. Read and understand the contract in its entirety, don’t sign a blank contract and a copy of the signed contract is to be given to you at time of signature.
Once you have found a contractor, request proof of a current insurance certificate covering workman’s compensation, property damage and personal liability.
Never pay in full for all repairs in advance, and do not pay cash! While many companies may ask for a deposit, BBB suggests that no more one-third of the job be paid upfront. Be sure the contract specifies the schedule for releasing payments to the contractor.

Disaster victims should never feel forced to make a hasty decision or to choose an unknown contractor. For reliable information, lists of BBB Accredited Businesses by industry and business reviews you can trust on local companies, start at www.bbb.org.

BBB Tips on Debris Removal

4/4/2012

Posted on 4/4/2012 by

Following the tornadoes that hit the Dallas area on April 4, 2012, the Better Business Bureau offers these tips on dealing with debris.

Disposal of debris can be a major concern. No matter what state you live in, the type of debris you will encounter will be much the same: damaged buildings, downed trees, building materials, and household and other types of hazardous waste. What varies is the way in which each state disposes of the debris. Some states have particular issues about where debris can be stored.

Consumers should check with their state’s Department of Environmental Protection (DEP) or equivalent or FEMA for information on where debris may be stored. Remember, your main goal is to regain your sense of normalcy while doing so within the guidelines set by each state or federal agency.

BBB offers the following tips and information for debris removal:

Debris is hazardous. It often has sharp or rough edges; it may cause falls; it may contain hazardous material such as asbestos, lead or fiberglass; and it may have been contaminated with chemicals or germs by the flood or storm.

When cleaning up debris, one of the first steps is to assess the types of waste you are dealing with, and what the disposal procedures should be. They fall into four main categories and can be disposed of in the following ways:

Branches, trees and vegetative wastes can be separated from the other debris and later can be sent to the community burn pile. These wastes can also be sent to a permitted disposal site.
Construction debris – the structural materials from houses and buildings, such as concrete, boards, shingles, windows, siding, pipes, etc. – can be taken to the closest construction and demolition (C&D) landfill or a permitted municipal solid waste landfill.
Other household wastes, such as trash and furniture, should be sent to a permitted municipal landfill.
Hazardous wastes – If you believe the waste contains regulated hazardous materials, more care and caution is needed. These wastes should be containerized, labeled, and ultimately sent to a facility that is permitted to store, treat or dispose of hazardous wastes. In these instances, it is important to contact the department to discuss proper disposal procedures.

Items Requiring Special Disposal:

Pool chemicals
Tires
Automobile batteries
Bicycles
PVC pipe
Explosives (ammunition, re-loading equipment, black powder, military ordinance, fireworks)
Fuel containers, metal or plastic
Pressurized gas cylinders/tanks (propane tanks, acetylene tanks, refrigerant containers)
Containers of petroleum based liquids, solvents, chemicals, etc.
Large household appliances (refrigerators, freezers, stoves, washers, dryers, etc.)
Off-road gas-powered equipment (lawn mowers, tractors, edgers, leaf blowers and other lawn equipment, chainsaws, 4-wheelers, etc.
Lawn and garden supplies (fertilizers, pesticides, etc.)
Radioactive waste
Industrial/commercial hazardous waste
Medical waste
Automobiles
Electrical transformers

Any appliances that could potentially contain freon or other chlorofluorocarbons (CFCs) cannot be disposed of until they have been certified as being free of freon or CFCs.

Disaster victims should never feel forced to make a hasty decision or to choose an unknown contractor. Start With Trust. For reliable information, lists of BBB Accredited Businesses by industry and business reviews you can trust on local companies, start at www.bbb.org.

Better Business Bureau Warns of Storm Chasers

4/4/2012

Posted on 4/4/2012 by

Storm damage -- like that following the tornadoes in the Dallas area -- brings out the best in people, as strangers reach out to help others in need. Unfortunately, the aftermath of a crisis also brings out contractors who take advantage of those who have already been victimized.

Better Business Bureau is warning local residents affected by the recent storms to beware of storm chasers and out-of-town contractors soliciting business.

“It is not uncommon for out-of-town storm chasers to solicit business after storms like the ones that hit the Dallas area,” said Jeanette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Storm chasers may offer quick fixes or make big promises to which they won’t deliver.”

BBB offers the following tips for storm victims:

Know your rights and responsibilities provided by your state.
Many municipalities require a solicitation permit if sales people go do-to-door. Verify that they have to have a permit by contacting your local Township or Municipality. BBB suggests consumers be pro-active in selecting a contractor and not re-active to sales calls on the phone or door-to-door pitches.
While most roofing contractors abide by the law, be careful allowing someone you do not know inspect your roof. An unethical contractor may actually create damage to get work.
Try to get at least 3-4 quotes from contractors, and insist that payments be made to the company, not an individual.
Do not pay for the job in advance. Be wary of any contractor who demands full or half payment upfront.
Resist high-pressure sales tactics such as the “good deal” you’ll get only if you hire the contractor on the spot.
Get a written contract that specifies the price, the work to be done, the amount of liability insurance coverage maintained by the contractor, and a time frame. Require a copy of their current certificate of insurance.
Pay by credit card, if possible; you may have additional protection if there’s a problem.
Check that the contractor’s vehicle has signs or markings on it with the business name, phone number and has your state’s license plates.

Out of state contractors may set up shop in the area trying to capture construction work caused by the tornadoes. BBB is warning the area contractors to beware of storm chasers who are willing to pay local construction companies substantial amounts of money to use a local company’s established name, reputation and phone so they can masquerade as a local business.

This has happened in other areas of the country. After doing repairs paid by insurance companies the out of state contractors left the area. Many contractors who agreed to let these storm chasers use their name regret their decision once they were left holding the bag of unsatisfied customers due to bad workmanship and/or unfulfilled warranties.

Disaster victims should never feel forced to make a hasty decision or to choose an unknown contractor. For reliable information, lists of BBB Accredited Businesses by industry and business reviews you can trust on local companies, visit www.bbb.org.

Find BBB Accredited Businesses by type of business at http://www.bbb.org/dallas/accredited-business-directory

Beware Fake BBB Emails Phishing for Victims -- Learn the Signs

3/29/2012

Posted on 3/29/2012 by
Businesses and consumers in the Dallas area -- and throughout the country -- are receiving fake emails that claim to be from BBB. The scam emails are generated wholly outside the Better Business Bureau system by criminals who pose as legitimate organizations that consumers and businesses trust in order to steal from victims.

The phishing emails are designed to download malware. The viruses can lay in wait and steal personal and banking data. The schemers are seeking to transfer money from the victims to the criminals.

Trivalent Group, Inc., in Michigan helps its clients manage, access, protect, and store their data. A client opened an attachment in a fake BBB email. The action 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.

To protect your computer system and accounts, BBB advises:

• Do not open any attachments
• Do not click on any links
• To help BBB and authorities investigate, forward the email to phishing@council.bbb.org
• 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

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 perpetrators of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

Customers Tell BBB: SaveMore.com Took Money For Daily Deal Coupons, Never Delivered

3/27/2012

Posted on 3/27/2012 by
St. Louis, Mo., March 26, 2012 – More than 1,000 Internet shoppers from across the nation – including dozens from Missouri and Illinois – said they never received discount coupons purchased from the Texas-based daily deal site SaveMore.com.

The Better Business Bureau (BBB) in St. Louis, MO, says customers from 45 states filed complaints in the last 10 months. The BBB urges extreme caution when dealing with SaveMore.com, a business with close ties to Douglas Van Arsdale, founder of the notorious debt settlement company, Credit Solutions of America.

SaveMore.com has an “F” grade with the BBB, the lowest grade possible.

Customers said they bought discount coupons for businesses ranging from bookstores to fast-food restaurants to beauty product distributors, but ended up with nothing. St. Louis area consumers said they tried repeatedly over several weeks or months to get SaveMore.com to send their orders, without success. Several said emails and phone calls were not returned.

“This company is a complete scam,” said a customer from Ballwin, Mo.

“We were ripped off,” said a man from Florissant, Mo.

Michelle Corey, BBB president and CEO of the BBB in St. Louis, said the number of consumers affected is astonishing. “We may never know how many people were taken in by this company,” she said.

The BBB in Dallas, where SaveMore.com is headquartered, issued a warning about the company five days before Christmas and urged SaveMore.com officials to address the complaints. Since then, the number of complaints has skyrocketed. The company has failed to respond to hundreds of them.

Records filed with the Texas secretary of state show that SaveMore.com is a name used by the company Lifestyle – Save More, LLC, at 12700 Park Central Drive in Dallas. Augur, Inc., a company owned by Van Arsdale, is listed as manager.

Van Arsdale was the founder and CEO of Credit Solutions of America, which listed an address in the same building on Park Central Drive. Credit Solutions ran afoul of several attorneys general in 2009. Suits in Florida, Illinois, Missouri, Minnesota, Maine, New York, Texas and Oregon alleged the company reneged on promises to help clients get out of debt. Missouri Attorney General Chris Koster, who sued Credit Solutions in June 2009, said that the company “promised real relief to consumers . . .only to leave them in even worse shape because they had to pay the company.”

Credit Solutions has an “F” grade with the BBB, recording more than 500 complaints.

Since starting business less than a year ago, SaveMore.com has drawn more than 50 complaints in Missouri and Illinois.

A woman from Lake St. Louis, Mo., said she paid SaveMore.com for a fast-food discount coupon but never received it. A woman from St. Charles, Mo., said she paid $15 for a $25 bookstore coupon that was never delivered. A man from Jefferson City, Mo., said he never received the gift card he ordered.

“It was extremely frustrating,” he said. “I don’t understand how a company can accept money and not deliver the goods. I was cheated.”

The alert on SaveMore.com comes just weeks after the BBB in St. Louis issued a news release on St. Louis Daily Deals, a local discount coupon operation that has gone out of business. In that case, several small businesses complained that they were not paid by St. Louis Daily Deals, and some consumers said they were left with worthless coupons.

The BBB suggests that consumers be cautious when considering purchasing discount coupons through third-party marketers:

Look closely at the history of both the coupon sellers and the businesses that will be redeeming the coupons.
Buy only those items or services you truly need or want.
Pay with a credit card whenever possible, in case you need to challenge the charge.
Check for a BBB Business Review by going to www.bbb.org.

How to Find the Right Summer Camp Program for Your Child

3/27/2012

Posted on 3/27/2012 by

According to the American Camp Association, more than 12,000 day and resident camps exist in the U.S., and more than 11 million children and adults attend camp each year. When it comes time to choose that perfect camp for your child, how do you choose? Better Business Bureau advises taking the time to look beyond brochures and website pictures before making a decision.

Over the past three years, BBB has received more than 350 complaints against various camps nationwide. Common disputes allege dissatisfaction with camp activities or staff, mistakes in the billing cycle and refund issues.

BBB advises parents to begin their search early and look for a camp centered on their child’s interests and age. In addition to checking www.bbb.org to see a camp’s BBB Business Review or to find a BBB Accredited camp, BBB offers the following tips for parents searching for the right camp:

· Get references. Ask parents of other campers about their child’s experience and why they recommend one camp over another. Of note, there is no government oversight of camps, so it’s especially important to look for facilities that are certified by the American Camp Association, which requires camps to meet up to 300 nationally recognized standards.

· Visit the camp in person. Check all living, eating and recreational facilities. Be sure to ask about safety procedures and how rules are enforced.

· Assess the quality and commitment of the staff. Find out the camp director’s background, the criteria used for hiring staff and whether certification in CPR and First Aid is required. It is also important to know the ratio of staff to campers. Parents sending children to specialty camps should inquire about the staff’s level of expertise in the specific area.

· Know the fees and payment policies. What is the total cost of tuition? Is your money refundable should the camp be canceled? Are there extra charges for any activities? Are meals and transportation included? Make sure all these details are included in your contract.

· Ask about medical care and insurance. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is onsite. Inquire about the procedures for transporting injured or sick children to nearby medical facilities and under what circumstances you will be notified of any problems.

· Consider a backup plan. In case the camp you choose gets canceled for unexpected reasons, be sure to have another camp or two in mind. It is ideal to also visit and research those backup camps in advance so that you can be well-informed in the event of a last-minute decision.

In the News: Parents Upset with Student Services Offering College Prep Material

3/22/2012

Posted on 3/22/2012 by
Parents across the country are complaining to the Better Business Bureau (BBB) about Student Services, Addison, TX. According to complaints, the business calls parents of high school students and says the student has ordered college prep materials, but students haven't ordered the materials.

J. D. Miles of CBS-11TV, Dallas - Fort Worth reports: "CBS 11 was turned away when we tried to ask employees about the 107 complaints from parents in 32 states along with the F grade from the Better Business Bureau."

Read the story at http://dfw.cbslocal.com/2011/10/24/parents-upset-with-company-selling-college-prep-materials/

See the BBB Business Review on Student Services at http://www.bbb.org/dallas/business-reviews/college-admission-counseling/student-services-in-dallas-tx-90306242

BBB Issues Warning About U.S. DOT Procurement Scam

3/21/2012

Posted on 3/21/2012 by

The Better Business Bureau (BBB) is warning contractors about a phony fax from the U.S. Department of Transportation Procurement Office. BBB is advising businesses to ignore the fax request for bank account information.

A northern Nevada contractor received the fax this week but was savvy to not fall prey to the scam. Con artists are using the guise of a government agency to steal money from hard working businesses.

The faxed letter implies any procurement decisions cannot be made until the company provides authorization to release the business’ financial information. Once a scammer has this information, a business’ checking account could be drained. If you have already responded to such a request, BBB suggests you notify your financial institution immediately.

According to the U.S. Department of Transportation, this scam has been going on for years. The DOT states it does not require any financial information to be submitted in order to be eligible for procurement.

Schemes against companies are BIG business for con artists. Your business is not defenseless. BBB offers the following tips:

Don’t be too busy to verify: contact BBB to check out all unsolicited communications.
Train employees to recognize the most common business scams.
Protect your business identity by never releasing confidential information about your business to unknown parties.
Consider reporting junk faxes to the Federal Communications Commission (FCC). See http://www.fcc.gov/guides/fax-advertising

For more tips to protect your business against schemes, see http://www.dallas.bbb.org/business-alerts/

Smishing Scam Offers Walmart Gift Card

3/20/2012

Posted on 3/20/2012 by

Have you received a text message offering you a free Walmart gift card? The BBB has a warning that the Walmart gift card text message is a smishing scam.

In one example, a text message says - “Walmart $1000 gift card for the first 1000 users to go to [LINK REMOVED] and enter code 2938.” Other variations are out there too.

Smishing is a relatively new twist on an old scam that capitalizes on the explosive growth in smartphones. A smishing scam is a phishing scam that is sent to you via SMS text to your phone, instead of via email to your computer.

This smishing scam is using Walmart’s name and popularity to lure in victims. If you click on the link in the text message to sign-up for the free gift card, you will be asked for personal information that could be used to steal your identity.

Walmart has posted an alert on its website about the gift card scam. See http://walmartstores.com/PrivacySecurity/10840.aspx?p=9620

If you receive similar texts or emails, the Better Business Bureau has this advice:

· Discuss smishing scams with all members of your family who have cell phones, from the youngest to the oldest.

· Do not click on links in text messages or emails offering prizes or ‘free’ products or trial offers.

· Delete any texts or emails that claim you have won a prize or are eligible for a free product.

· Do not provide personal information to claim ‘prizes’ or to sign up for free trials.

· Never give your credit card number, social security number or bank account information to pay for fees, taxes, or shipping costs for anything that you may have ‘won’ or are getting for ‘free’.

· Check your bank statements and credit cards on a regular basis for unauthorized charges.

· Check you and your children’s credit reports with all three credit bureaus annually for any unauthorized credit accounts that have been opened using your social security numbers. You can get a free credit report at www.annualcreditreport.com

For more information about protecting your identity, please visit www.bbb.org.

Myrtle Beach Direct Air Suspends Operations

3/14/2012

Posted on 3/14/2012 by

Myrtle Beach Direct Air, a charter flight company, has suddenly announced that they have suspended all of their operations. The company gave no prior notice to any of its customers, and has not made any statements about refunds as of yet. The quick shut down has left travelers stranded at points all over the country. The following statement was released on the company’s website (which can be viewed at: http://www.visitdirectair.com):

“Direct Air finds it necessary to suspend flight operation from Tuesday, March 13, 2012 until May 15, 2012. This decision was made to address operational matters. We are currently evaluating strategic alternatives for Direct Air. Direct Air is committed to our passengers, employees, and the communities we serve. Please check back here for more details. Very Truly Yours, Direct Air”

Before the announcement, Myrtle Beach Direct Air already had a ‘D-’ rating with the Better Business Bureau of Coastal Carolina. Over the past 3 years, there were 178 complaints filed with the BBB against the business: 58 were resolved, 66 were assumed resolved by the BBB, 22 were unresolved, 29 administratively judged resolved by the BBB, and 3 were unanswered. The company still has another 21 complaints pending.

Myrtle Beach Direct Air provided service to the following areas: Myrtle Beach, SC; Lakeland, FL; Sanford, FL; West Palm Beach, FL; Punta Gorda, FL; Niagara Falls, NY; Pittsburgh, PA; Springfield, IL; Plattsbugh, NY; Newark, NJ; Worcester, MA; Allentown, PA; Columbus, OH; Rockford, IL; Toledo, OH; Gulfport/Biloxi, MS; Kalamzoo, MI.

Consumers can try contacting their credit card companies to obtain a refund. They can also file complaints with South Carolina Department of Consumer Affairs by visiting http://www.scconsumer.gov/ or with the Aviation Consumer Protection Division of the U.S. Department of Transportation at http://airconsumer.ost.dot.gov/CP_AirlineService.htm

In the News -- Tax Scams Strike in Tax Season

3/14/2012

Posted on 3/14/2012 by

“If you think filing your income taxes is frustrating, being scammed in the process is even more of a headache,” reports Giselle Phelps of KDAF-TV, Ch. 33, Dallas – Fort Worth.

“This is the season for people to file their taxes and the scammers know that and they take advantage,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas.

In one scam, phishing emails look like they're from IRS itself. They're used to collect your personal info.

“Besides the phishing emails, scammers might prepare your return for you. You hire them to do it, they steal some personal information and go out and do identity theft, so it might look like you`re getting back a lot of money, but they actually put some in their own pocket,” Ms. Kopko said.

The Better Business Bureau says while filing your taxes is never fun, it's important to protect yourself.

“You might rush through it or not pay attention to who is preparing it for you, but you really need to watch those details,” Ms. Kopko said.

The BBB says never open emails claiming to be from the IRS, and only respond to official communication sent via snail mail. They say, if in doubt, don’t be afraid to call the Internal Revenue Service and verify.

The BBB says if you’re having someone else prepare your taxes, make sure you know who they are, and their qualifications and experience.

The BBB recommends scouting out a tax preparer in the off season, not at this time of year when there are lots of temporary and seasonal shops set up.

See the story at this link -- http://www.the33tv.com/about/station/newsteam/kdaf-officals-warn-taxpayers-of-scams-a-irs-deadline-looms-20120313,0,6094829.story

To check out businesses, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report misleading advertising, start at www.bbb.org.

Attorney General Brings Action Against AGT American Silver and Gold

3/8/2012

Posted on 3/8/2012 by

Restraining order echoes BBB concerns about gold and silver bullion and coin dealer

AUSTIN, Texas - Mar. 8, 2012 — The Texas Attorney General froze the assets of AGT American Silver and Gold March 1, and issued a temporary restraining order against the owners of the Austin-area company, which sells gold and silver bullion and coins.

Lora Maestre and Rick Maestre, also known as David Winston, among others, are named in the action for violating the Texas Deceptive Trade Practices – Consumer Protection Act for allegedly accepting payment for coins and bullion that the company never delivered.

Better Business Bureau in Austin began to investigate AGT American Silver and Gold last year, after it received complaints alleging some consumers paid thousands of dollars to the company for bullion and coins. Many of those consumers are still waiting for portions of their gold and silver orders.

The Texas order cites many of the same concerns BBB found during its investigation.

The restraining order forbids the defendants from engaging in deceptive practices, including offering a “100 percent guarantee” and “full money back,” but failing to honor said claims, misrepresenting the amount of inventory the company had available, and failing to deliver gold and silver coins purchased by consumers.

In addition, the order prohibits the defendants from “accepting any orders for precious metal coins until further order of the court.”

Frank Chmielinski turned to BBB when AGT American Silver and Gold took approximately $100,000 for silver and gold coins, but only delivered approximately $30,000 worth of goods. He wanted to buy gold and silver bullion and coins to diversify his investment portfolio, and had dealt with AGT American Silver and Gold two years prior. At that time, he bought $5,000 worth of gold and silver coins and everything had gone smoothly.

“This is all his fault,” Chmielinski said about Richard Maestre, one of the defendants named in the AG suit. “I’m a customer; I sent him my money in good faith.”

Maestre apparently ran into financial difficulties leading up to the AG action March 1. In January, some consumers who had complained to BBB received a letter from American Silver and Gold, LLC explaining that when silver prices dropped to $27 per ounce from a high of $52 per ounce, the company started to have trouble securing inventory.

The letter also states the company does not have enough inventory to fulfill current orders.

“To accommodate the inventory backlog, we ask that you agree to a six (6) to nine (9) month delay in the shipment of your order,” the letter reads. It goes on to promise delivery of additional coins valued at 10 percent of each customer’s order, excluding bullion.

Though the letter went out to AGT American Silver and Gold customers, the company name on the letterhead was not AGT American Silver and Gold, but simply American Silver and Gold, LLC. BBB could not find any record of AGT American Silver and Gold registering the shortened name with the Texas Secretary of State or the Travis County Clerk, nor could it find a second company registered using the name American Silver and Gold, LLC.

Prior to the action, John Gleichauf, another AGT American Silver and Gold customer, worried that any publicity might derail a settlement he reached with the company last year.

He said he talked with a portfolio manager who worked for AGT American Silver and Gold and after sending the company more than $50,000 to buy gold and silver, he only got a handful of coins.

Maestre contacted him about the shortfall soon after Gleichauf complained.

“He stated that they were just really beside themselves because … this portfolio manager that I was dealing with was a crook, was an alcoholic and he was essentially destroying the business,” Gleichauf said.

Maestre agreed to refund Gleichauf’s money, but then did not follow through with the deal. Gleichauf got an attorney involved, and soon had an agreement for the gold and silver dealer to pay Gleichauf $8,000 a month. Then Maestre said he could only pay $2,000 a month. Then it went down to $200.

Gleichauf said that through January and February payments trickled in, most for a few hundred dollars each.

“I’m not sure how to evaluate all this, but he’s in arrears to the tune of 34 to 35 thousand dollars,” he said. Of his original payment, Gleichauf said he estimates he has gotten approximately $22,000 back.

Gleichauf said he believes Maestre’s claims that his problems were caused by a rogue portfolio manager. Chmielinski, the customer who paid $100,000 to buy bullion and coins from AGT American Silver and Gold, believes otherwise.

“He claims he’s trying to reorganize it, and he claims this and he claims that. … I just don’t believe all his babble.” Chmielinski said. “I’m ready to retire … and this guy is affecting that.”

Consumers who want to buy gold and silver bullion and coins should consider the following tips from BBB:

· Do your research. Before doing business with a gold and silver dealer, research the company thoroughly. Check the BBB Business Review at www.bbb.org, ask friends for references and check out any individual broker for government action.

· Do not believe inflated claims. Like any investment, gold and silver bullion and coin prices can be volatile. Avoid any company claiming such investments are a safe harbor and that downplays the risks involved.

· Buy from the source. The United States Mint sells bullion and coins to investors and collectors. Buy your gold and silver directly from the government.

· Do not count on appreciation. Many dealers sell gold and silver coins for an inflated price, promising the product will rise in value over time. Many consumers who buy those products lose money when gold and silver prices fall.

To check out a business or find BBB Accredited Businesses, visit www.bbb.org.

In the News -- Investigation of Aftermath, a Crime Scene Cleanup Service

3/6/2012

Posted on 3/6/2012 by
Customers are complaining about Aftermath, a business that specializes in cleaning up after a death. Becky Oliver of Fox4-TV, Dallas - Fort Worth talks to families who say that in a time of need, they were hit with unexpected, excessive charges.

The story shows that Aftermath, based in Illinois, has a BBB rating of B-, with 13 customer complaints and an Assurance of Voluntary Compliance signed in 2010 in Ohio. Under the agreement, Aftermath agreed to comply with all Ohio consumer sales laws.

See the BBB Business Review on Aftermath at
http://www.bbb.org/chicago/business-reviews/crime-scene-trauma-clean-up/aftermath-in-oswego-il-88275948

View the Fox4 investigation of Aftermath above or at
http://www.myfoxdfw.com/dpp/news/investigative/investigation%3A-aftermath-complaints-030412

Visit BBB at www.bbb.org.

7 Days of Tips from BBB for National Consumer Protection Week March 4-10, 2012

2/28/2012

Posted on 2/28/2012 by

The Better Business Bureau is joining with federal, state, and local government agencies and national organizations to celebrate the 14th annual National Consumer Protection Week (NCPW), March 4-10, 2012. During NCPW, groups nationwide share tips and information that help consumers protect their privacy, manage money and debt, avoid identity theft, and avoid frauds and scams.

This year, BBB is offering "7 Tips, 7 Days, 1 Smart Consumer", a series of 7 emails, one each day during NCPW, with tips on avoiding scams, building good credit, making charitable contributions and more.

To receive your "7 Days, 7 Tips, 1 Smart Consumer" emails from BBB, sign up online at http://www.bbb.org/us/ncpw-email.

For more on National Consumer Protection Week, visit www.ncpw.gov.

BBB Fake Emails Accuse Recipient of a Scam

2/27/2012

Posted on 2/27/2012 by

Businesses and consumers across the country have been hit by an on-going email phishing scam that appears to be from the Better Business Bureau. The fake emails started in November, and have changed forms a number of times. Most of them include a virus – if the recipient clicks on a link.

Now the latest version claims the recipient is a scammer. BBB serving Dallas and Northeast Texas was alerted to the latest spin on the phishing scam when a local business received an email that claimed to be from BBB and accused the firm of being involved in "check cashing and money order scam." Another email received in DuPont, WA, charged the recipient was involved in "home renovation scam." A business in Louisville, KY, received the version below, alleging the recipient is engaged in identity theft.

From: Better Business Bureau
Sent: Friday, February 24, 2012 7:08 AM
To: ___________
Subject: Your business is accused of illegal activities.

Valued business proprietor, we have obtained several complaints about your company alleged involvement in identity theft. You are asked to provide your official response to this complaint within 28 days. Failure to provide the corresponding response will result in cancellation your Better Business Bureau rating and possible withdrawal of your BBB accreditation status.

Last week, another round of BBB phishing email targeted accountants. That version of the scam uses a BBB.org email address in conjunction with the American Institute of CPAs logo and name. The message informs recipients that their CPA license is being terminated due to tax fraud allegations and encourages them to click on a link and reply to the charges. The link leads to a third party website that downloads a virus on to the recipient’s computer. This email scam primarily targets accountants, but BBB has received reports of other professionals receiving the emails.

Another wave of BBB phishing emails contained 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 your computer.

In addition to the latest 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.

Steps to take:

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

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

BBB Fake Emails Accuse Recipient of a Scam

2/24/2012

Posted on 2/24/2012 by

BBB Louisville was alerted by an Accredited Business today about the latest version, which accused the business of illegal activities:

From: Better Business Bureau

Sent: Friday, February 24, 2012 7:08 AM

To: ___________

Subject: Your business is accused of illegal activities.

Valued business proprietor, we have obtained several complaints about your company alleged involvement in identity theft. You are asked to provide your official response to this complaint within 28 days. Failure to provide the corresponding response will result in cancellation your Better Business Bureau rating and possible withdrawal of your BBB accreditation status.

Complaint ID #4248764

Council of Better Business Bureaus

3033 Wilson Blvd, Suite 600

Arlington, VA 22201

Phone: 1 (703) 276.0100

Fax: 1 (703) 525.8277

In another round of BBB phishing email scams last week, the scammers targeted accountants.

This scam uses a BBB.org email address in conjunction with the American Institute of CPAs logo and name. The message informs recipients that their CPA license is being terminated due to tax fraud allegations and encourages them to click on a link and reply to the charges. The link leads to a third party website that downloads a virus on to the recipient’s computer. This email scam primarily targets accountants, but BBB has gotten reports of other professionals receiving the emails.

Another wave of BBB phishing emails contain 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 your computer.

Steps to take:

In the News: BBB Dallas Warns Timeshare Resale Scams Are On the Rise

2/23/2012

Posted on 2/23/2012 by

Both the Better Business Bureau and the FBI say timeshare resale fraud is on the rise, reported Jay Gormley on CBS11-TV, Dallas – Fort Worth. Timeshare owners are paying thousands of dollars up front to timeshare resale services, but their timeshares aren’t sold and customers have difficulty getting refunds.

From 2009 through 2011, the BBB received 274 complaints from North Texans and 9,251 complaints, nationwide.

“The scam works because the victims assume that paying money up front is normal to cover legitimate listing and appraisal fees,” notes Jay Gormley. “They soon find out, however, there’s nothing legitimate about it.”

The BBB says timeshare owners should treat their properties like they were selling their own homes and that any outside realtors, brokers or companies should not receive payment until the property actually sells.

See the video above or to read the story go to http://dfw.cbslocal.com/2012/02/22/dallas-bbb-warns-timeshare-scams-are-on-the-rise/#comments

To check out timeshare resale services and other types of business, find BBB Accredited Businesses, see tips and alerts, report false advertising, or file customer complaints, start at www.bbb.org.

BBB in Dallas Provided 5,885,694 Instances of Service in 2011

2/16/2012

Posted on 2/16/2012 by

Dallas, TX, February 16, 2012 -- In 2011, the Better Business Bureau serving Dallas and Northeast Texas provided a total of 5,885,694 instances of service, up 16% from 2010. Requests for BBB Business Reviews were up 19% for a total of 2,329,833, and visits to the BBB Dallas website increased 8%, to 2,576,030. With the launch of the BBB app for iPhone, iPod and iPad, visits to mobile apps totaled 79,391 in 2011.

Inquiries

Most contacts to the BBB are pre-purchase inquiries from customers who want to check out a particular business or find BBB Accredited Businesses. The BBB provides Business Reviews on both BBB Accredited Businesses and non-accredited businesses. BBB Business Reviews give basic information on a business, including whether the business is BBB accredited, and show the BBB Rating for the business on a scale from A+ to F.

BBB Business Reviews are provided online at www.bbb.org, through mobile apps, and through an automated information line. In all, BBB Dallas provided 2,329,833 Business Reviews in 2011, up 19% from 2010.

The types of business with the most inquiries to BBB Dallas were:

1. Roofing Contractors – 116,203
2. Electric Companies – 63,119
3. Dating Services – 50,581
4. Air Conditioning Contractors – 49,791
5. Auto Dealers – Used Cars – 41,685
6. Collection Agencies – 37,520
7. Foundation Repair – 37,328
8. Credit Card Processing – 35,014
9. Consumer Finance & Loan – 34,637
10. Debt Relief – 32,592

The BBB also provides tips on marketplace issues and refers consumers to other BBBs or agencies when indicated. For questions and complaints that are out of BBB purview or otherwise cannot be handled, the BBB suggests other steps. BBB Dallas provided 21,012 instances of counseling and referral in 2011.

Complaints

The BBB accepts customer complaints on both BBB Accredited Businesses and non-accredited businesses. Complaints may be filed online at www.bbb.org by clicking “File a Complaint”, or may be sent in a letter. The BBB sends complaints to the business and asks for a response. Then the BBB checks with the customer to see if the matter is resolved. The outcome of the complaint may affect the BBB rating for the business.

In 2011, BBB Dallas received 35,521 complaints, almost the same as the previous year (35,272 in 2010). The top types of businesses with complaints were:

1. Consumer Finance & Loan – 1,917
2. Telephone Companies – 1,074
3. Dating Services – 683
4. Auto Dealers – New Cars – 596
5. Buses – Charter & Rental – 555
6. Electric Companies – 553
7. Mortgage Brokers – 459
8. Travel Clubs – 451
9. Internet Marketing Services – 438
10. Department Stores – 433

BBB arbitration is available to help resolve complaints. In BBB arbitration, a trained community volunteer conducts a hearing. Both the business and consumer agree to abide by the arbitrator’s decision. In 2011, BBB Dallas administered 51 arbitration hearings, more than double the number of hearings in 2010.

Advertising Review

Fulfilling its original mission to promote truth in advertising, the BBB conducts a local advertising review program. The BBB monitors local ads and also receives complaints from the public. The ads are reviewed for compliance with the BBB Code of Advertising, which sets out basic principles for truthful advertising.

For ads that may not meet BBB standards, the BBB contacts the advertiser and asks that the claims be substantiated, modified, or discontinued. The outcome of an advertising review case may affect the BBB rating for a business.

In 2011, BBB Dallas closed 127 advertising review cases. Businesses responded to the BBB in most cases, and either substantiated, modified, or discontinued the challenged claims.

Communications

The BBB in Dallas provides timely and helpful marketplace information, including tips and scam alerts for consumers and businesses.

In 2011, the BBB in Dallas sent 21 news releases. On the BBB Dallas website, 240 items were added to the News Center, an increase of 61% over 2010. An email newsletter goes to BBB Accredited Businesses, and distribution totaled 154,468 in 2011, an increase of 8% over 2010.

BBB Accredited Businesses

The BBB is an independent, non-profit, business-supported organization. The Better Business Bureau of Metropolitan Dallas, Inc., was founded in 1920 and today is supported by BBB Accredited Businesses throughout the BBB’s 13-county service area.

A business becomes BBB accredited by applying and providing information, and showing that it meets accreditation standards. BBB Accredited Businesses must continue to meet the BBB Code of Business Practices, which is based on the BBB Standards for Trust: Build Trust, Advertise Honestly, Tell the Truth, Be Transparent, Honor Promises, Be Responsive, Safeguard Privacy, and Embody Integrity.

BBB Celebrates Centennial

This year, the BBB system celebrates its centennial. The city of Dallas played a role in founding the BBB 100 years ago. In 1912, at a convention of advertising executives held in Dallas, an initiative was launched to promote truth in advertising. Most early BBBs were born out of local advertising club projects. The name Better Business Bureau was officially adopted in 1916, and the BBB in Dallas was founded in 1920 by the Dallas Advertising League. Today 116 BBBs provide over 87 million instances of service to the public. Learn more about the BBB's centennial celebration at http://www.bbb.org/100-year/.

To check out a business, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report misleading advertising, start at www.bbb.org. For the free BBB iPhone app, see www.bbb.org/iphone/ . On an Internet-enabled device, see m.bbb.org.

In the News -- Consumers Complain on Santander Consumer USA

2/14/2012

Posted on 2/14/2012 by
Consumers are complaining about harassing phone calls about auto loans, unauthorized transactions, and questionable automobile repossessions by Santander Consumer USA, reports Becky Oliver of Fox4-TV, Dallas - Fort Worth.

"At the Better Business Bureau, the website shows 1,700 complaints filed in the past 12 months. That makes Santander the most complained about company in Dallas," the news story notes. "The bureau gives Santander a C+ rating."

Santander Consumer USA answers complaints, however, some complaints remain unresolved.

"There are still 90 complaints unresolved, which means the customer was not satisfied with the business response and the bureau found Santander did not make a good faith effort to resolve the complaint," Becky Oliver reports.

Read more at:
http://www.myfoxdfw.com/dpp/news/investigative/consumers-complain-about-santander-consumer-usa-021312

To see the BBB Business Review on Santander Consumer USA, click here. BBB Business Reviews are subject to change at any time.
http://www.bbb.org/dallas/business-reviews/consumer-finance-and-loan-companies/santander-consumer-usa-in-dallas-tx-90112710

To check out a business, find tips and alerts, or file a customer complaint with BBB, start at www.bbb.org.

The Perils of Online Dating

2/13/2012

Posted on 2/13/2012 by
Valentine’s Day is tomorrow and the wheels may be set in motion to start fresh and try an online dating site. Millions use dating and social networking sites to meet people. These days, one in five relationships started online. That's according to a study by Match.com. In 2011, 2,500 people filed complaints against online dating sites nationally.

"While many are looking to start a successful and meaningful relationship, there are those using these sites to take advantage of others," said Paula Fleming, Vice President of Communications and Marketing for the BBB in Eastern Massachusetts, Maine, Rhode Island and Vermont. "Unfortunately, the anonymity of the Internet makes it easy for con artists to use these sites to meet potential victims and prey upon lonely hearts."

These con artists create fake profiles to build online relationships, and eventually convince victims to send money in the name of love. They may send you photos of themselves with their “child” and are wanting to build a meaningful relationship, or dressed as the professionals they are not, when in fact all they are doing is trying to “connect” with as many so-called “loves” in their lives as they can to swindle them!

The Better Business Burau offers these tips to help you recognize when the relationship may not be so sweet – especially when your “Sweetheart”:

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

• Claims their love for you within moments of meeting you online.

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

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

To help prevent being scammed on dating sites, don’t wire money to cover:

• Travel to come meet you

• Medical emergencies

• Hotel bills

• Hospital bills for a child or other relative

• Visas or other official documents

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

To stay on top of the latests scams and consumers tips visit bbb.org.

In the News -- Dangerous Email Scam Claims to be From BBB

2/1/2012

Posted on 2/1/2012 by
A malicious email is claiming to be from BBB, but can download software to break into financial accounts and steal money, warns Daniel Novick of CW33-TV, Dallas - Fort Worth.

Enough people must be clicking on the links to make it worthwhile for the scammers to continue to send the malware, says Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas. Don't click on the links, delete the email completely, and run a complete virus scan from a reputable company.

Poor spelling and grammar are tip-offs to phishing emails. Another way to guard against emails that claim to be from BBB: hover over the link, and if it's not from the bbb.org domain, it's dangerous.

See the story here:
http://www.the33tv.com/about/station/newsteam/kdaf-dangerous-email-scam-claims-to-be-from-the-better-business-bureau-20120126,0,3961128.story

It's Still Out There! -- Warning for Recipients of BBB Email Scam

1/21/2012

Posted on 1/21/2012 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.

In the News -- Caller ID Spoofing a Growing Problem

1/20/2012

Posted on 1/20/2012 by

Telemarketers and debt collectors are using Caller ID spoofing more and more, reports Daniel Novick of CW33 TV in Dallas-Fort Worth.

Caller ID spoofing is the technique of masking the actual phone number that a call is coming from, and instead displaying another number, a general term like “Customer Service,” or nothing at all, explains Jeannette Kopko of the Better Business Bureau serving Dallas and Northeast Texas.

Because the number is masked, it’s hard for consumers to know who’s calling and get them to stop, or block all the numbers that are used. Both the Federal Trade Commission (FTC) and Federal Communications Commission (FCC) enforce laws against using Caller ID spoofing for harmful or fraudulent intent.

If you’re getting spoofed calls, and you know who’s calling you, complain to the BBB. You can also complain to the FTC and FCC.

To see the news story from CW33, click here:
http://www.the33tv.com/videogallery/67501335/News/1/19/12-caller-id-spoofing

Federal Trade Commission tips on stopping telemarketing calls you don’t want
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt136.shtm

Federal Communications Commission tips on Caller ID spoofing
http://www.fcc.gov/guides/caller-id-and-spoofing

BBB Advises Contractors To Avoid Firms That Charge $99 Advance Fee For Job Leads

1/11/2012

Posted on 1/11/2012 by
The Better Business Bureau (BBB) in St. Louis, Mo., is urging contractors in Missouri, Illinois and across the nation to be alert for telephone solicitors trying to convince them to sign up for an online program offering free job leads.

Several contractors report that after paying a $99 background screening fee, they got no work and often were unable to contact anyone with the company.

The BBB suggests caution when dealing with Construction Crews (constructioncrews.net), Contractor Support Management (contractorsupportonline.com), Commercial Crews (commercialcrews.com), or any of several other construction lead companies requiring upfront fees to screen prospective contractors.

Most of the companies appear to be based in California. One St. Louis area contractor said he was solicited as recently as two weeks ago.

A cleaning and debris removal contractor from St. Louis said he signed up for a similar program about a year ago through Contractor Support Management. After paying the $99 fee, he received no leads and was never able to reach a company representative.

Contractor Support Management, of North Hollywood, Calif., has an “F” grade with the BBB, the lowest grade possible. It has received more than 100 complaints, the vast majority from contractors who said they received nothing for their money.

A St. Charles Mo., electrical contractor said a salesman from Construction Crews of San Jose, Calif., phoned him two weeks ago. He told the BBB that the salesman said the $99 screening fee would give him weekly access to contracting jobs on foreclosed bank properties. The St. Charles contractor said he decided against joining the program because “I didn’t feel real comfortable.”

Attempts to reach representatives of Construction Crews, Commercial Crews or Contractor Support Management were unsuccessful, despite calls to several phone numbers listed by the firms. The BBB could find no evidence that any of the companies were registered in California.

Michelle Corey, president and CEO of the BBB in St. Louis, said salespeople promising to deliver leads to contractors in exchange for a $99 administrative fee may be part of a scheme to take advantage of legitimate business people struggling to earn a living. “More often than not, these are hard working men and women looking for an honest day’s pay for an honest day’s work. For somebody to trick them out of $100 isn’t right.”

The websites for Construction Crews and Commercial Crews are virtually identical, with the exception of the companies’ names. Both sites list the same address in California and the same testimonials. The BBB could not confirm that contractors offering testimonials on the websites are legitimate businesses.

The BBB offers the following advice for companies seeking business leads:

Beware of phone or email solicitations asking for upfront fees to join lead programs. Complaints have shown that many of these solicitations are scams.
Ask for references and contact them.
Get BBB Business Reviews by contacting the BBB at www.bbb.org.

Resolve to be a Smarter Consumer in 2012

1/11/2012

Posted on 1/11/2012 by

Ten tips for being a better consumer in the new year

The start of a new year is a great time to resolve to be a smarter, safer consumer. Better Business Bureau has 10 resolutions for 2012 that can help you fight scammers, prevent identity theft and save money:

1. Always check out a business with BBB. Nearly 5,600 local businesses in Dallas and Northeast Texas meet BBB standards and are qualified to use the BBB Accredited Business seal. Check with your BBB to find Business Reviews for local businesses as well as businesses across the country.

2. Get everything in writing. Do not just take a company’s word for it. Get every verbal agreement in writing to limit miscommunication and misunderstandings later.

3. Always read the fine print. The details are always in the fine print. Take time to read through all contracts, paperwork and documents in their entirety before signing anything. This will ensure that you know what is expected and fully agree to what you’re signing.

4. Be skeptical of “job offers” that promise easy money. With a high national unemployment rate, scammers are targeting people desperate to find a job. Beware of any job offer, work-at-home scheme or business opportunity that promises big money for little work and no experience.

5. Keep your computer safe. If you have not already done so, install anti-virus software on your computer and check regularly for software and operating system updates. Do not open attachments or click on links coming from unknown senders.

6. Never wire money to someone you do not know. Tracking money sent via MoneyGram or Western Union is extremely difficult, and once the money has been wired, it is nearly impossible to get it back.

7. Fight identity theft. Shred paper documents that include sensitive financial data and dispose of computers, cell phones and digital data safely.

8. Ask your BBB for help. File a complaint with your BBB if you have a disagreement with a business or feel you have been victimized by a scammer.

9. Give wisely. Charities welcome your donations all year long. Whether giving your time, treasure or talent, ask questions and do your research to ensure your money is going where you think it is going.

10. Fight fake check fraud. Thanks to technology, scammers have the ability to create professional-looking phony checks. Educate yourself on the common types of check fraud and be extremely wary of checks that come with claims that you’ve won the lottery, are eligible for a government grant or have landed a job as a secret shopper.

BBB Warns Consumers About Puzzle Contests From Opportunities Unlimited Publications Of Kansas City

1/10/2012

Posted on 1/10/2012 by
The Better Business Bureau (BBB) in St. Louis, Mo., is warning consumers to be cautious when entering puzzle contests sponsored by Opportunities Unlimited Publications, Inc., of North Kansas City, Mo.

The contest promotions are mailed around the world and charge entry fees ranging from a few dollars to more than $40 per puzzle, with the cost of playing a complete, four-part game often totaling more than $100. The mailings report that grand prizes for the games usually range from $5,000 to $30,000.

An Overland, Mo., woman who spent nearly $100 to enter several of the contests last year said she found herself overwhelmed and confused by more than 80 prize mailings sent to her apartment over a period of several weeks. The mailings were from Opportunities Unlimited Publications or related businesses, all with return addresses at 1401 Armour Road in North Kansas City.

Many of the contest envelopes were marked with messages communicating a sense of urgency: “Dated Materials! Money Advisory, Important Notice! Deadlines Approaching! RESPONSE URGED NOW.” Inside, official-looking documents with facsimile signatures and seals warned: “Do not delay your response as someone will certainly be issued the $15,000 1st Prize Check” or “I strongly advise you to respond to this Official Memorandum immediately.”

Opportunities Unlimited Publications, which also uses the names International Award Payment Center, Contest America Publishers and Entertainment Award Center, has an “F” grade with the BBB, the lowest grade possible. Several complaints are from family members of senior citizens who said they feel the mailings are misleading, difficult to understand or make it seem as if the recipients are on the brink of winning thousands of dollars in prizes.

Michelle Corey, BBB president and CEO of the BBB in St. Louis, said the Opportunities Unlimited contests are notorious for operating questionable direct mail marketing. She said the BBB has asked company officials for specifics on how its contests are monitored and audited, but the company has not responded to those issues.

“They tell us their contests conform to all state and federal rules and regulations, and that could well be true,” Corey said. “But a company’s responsibility to consumers extends well beyond the law. It has an obligation to conduct business ethically and make sure it is not misleading the public. That is where Opportunities Unlimited may be falling short.”

Among BBB concerns:

The company lures players into the early stages of its contests by asking them to solve simple puzzles. One example says: “When Reaching into a large box, you pull out three prizes. Prize No. 1 is $24,989; Prize No. 2 is $28,979 and Prize No. 3 is $29,879. What is the total value of all three prizes: $73,947, $83,847 or $93.847?” It appears that the simplicity of the puzzles pulls consumers into multi-part games requiring additional fees with each subsequent puzzle. The final puzzle can be extremely difficult and time-consuming, and the company notes that a grand prize may be split among several top winners.
The mailings communicate a sense of urgency and a feeling that a consumer is sacrificing a golden opportunity by not paying the contest fees and responding immediately. A typical mailing says, “This could be your Last Opportunity to win a share of the money! If you fail to reply, you will forfeit your eligibility in the Money Magic Awards Skill Competition.”
The sheer number of contests running at any given time appears to contribute to confusion. During a several week period last summer, the Overland consumer received entry forms for more than 20 different games with names such as Capital Reserve III, Cash Transfer Award III, Blue Series IX, Money Motion VI, Cash Connection II, Gold Series 9 and Strike It Rich XVII. Each game had multiple stages, different entry fees and different prize amounts.
The company contends that the contests are games of skill and not games of chance. As such, they may not fall under state and federal gambling regulations. The BBB has questioned what seems to be a lack of independent oversight of the contests. The company did not respond to a request for information asking who is responsible for guaranteeing that the contests are fair and legitimate.
The contest mailings contain numerous names of prize officials and judges, creating the potential for more confusion. The Overland woman received Opportunities Unlimited mailings that made reference to more than 20 different contest judges and other officials. The company did not respond to a BBB request for information about those identified in the mailings.
In spite of the company’s contention that it does not target senior citizens with its mailings, many of the inquiries and complaints to the BBB involve seniors or the families of seniors who believe the seniors have been misled.
The company acknowledges that it sells its player lists to other businesses that solicit by mail, offering the names and addresses of people who are “highly responsive to promotional offers” and “ideal prospects” for offers including astrology, fundraising, insurance and business opportunities.

C. Floyd Anderson of Kansas City founded Opportunities Unlimited Publications and was the former president of the company. The current president is Joseph H. Lawson.

In 1997, the Connecticut attorney general sent cease and desist letters to businesses tied to Opportunities Unlimited, noting that pay to play contests were illegal in that state.

Five years later, the Washington attorney general’s office announced that Contest America Publishers agreed to make refunds to consumers after the company “misled Washington consumers, many of them elderly, into believing they could win big prizes by solving easy puzzles.”

Attorneys estimated that 860 people from nine states could be eligible to apply for refunds. At that time, the company was prohibited from soliciting high-risk persons who had paid $1,500 in entry fees in a year, or $3,500 in their lifetimes, or others whose past submissions showed that they had little or no chance of ever winning.

In 2006, an official representing the Minister for Fair Trading office in New South Wales, Australia, told legislators that Contest America and Opportunities Unlimited had sent mailings to residents of Australia suggesting they could win a “guaranteed prize” of $13,000 for answering a simple question and paying a $23 entry fee. She said the office had encountered some people who paid a $23 fee more than 100 times, “convinced that they have the correct answer and will receive a windfall.”

A Granite City, Ill., man said he entered one of the contests for $9, but will never play again. “It’s a lesson learned,” he said.

A man from Lincoln, Neb., said he spent more than $400 in entry fees. “I never won anything,” he said.

A woman from Sacramento, Calif., said her 81-year-old father had been entering the puzzle contests for months. She said he paid entry fees of at least $200 before she confronted him. “At first, he said he was really embarrassed and said he wouldn’t do it any more,” she said. “Then I found out he was still doing it. He is really trusting.”

Trisha Estes, administrative assistant to the company’s president, said that since 1974, Opportunities Unlimited Publications has awarded more than $4 million to people from around the world, including France, Germany, India, Norway, Belgium, Japan and the U.S. She said all customers receive a set of rules with each game and a consumer pamphlet with their initial mailings. She said the company does not target senior citizens in its mailings and enclosed information pointing to the company’s liberal refund policy.

A copy of the rules for one of the contests – Money Bank XII – says that of about 100,000 entries expected, about 82,000 contestants were expected to correctly answer the first question, 23,000 the second question and less than 2,000 the third question. A final tiebreaker ultimately would determine the winners.
The rules also state that less than 5 percent of the entry fees will be distributed in prizes.

The BBB offers the following advice for persons considering paying an upfront fee to enter a mail contest:

Understand what type of contest you are entering. While most states have not outlawed paying entry fees for games of skill, paying an entry fee for a mailed game of chance is usually considered gambling and is illegal. Find out whether your state allows entry fees for games of skill.
Be wary of marketing hype that makes it appear that you already have won a prize or are on the brink of winning. Also, beware of marketing that attempts to entice you with promises of large prizes or tries to push you into acting before you feel comfortable.
Make sure you read and understand all contest rules.
Understand that in most skill contests distributed by mail, the initial puzzles are very easy, but later ones become increasingly difficult. The final puzzle may be extremely difficult to solve and obtain a winning score and, even then, you may have to divide the prize payout with several other co-winners.
Try to find out what checks and balances are in place to guarantee a fair contest. If you are uncomfortable with the company’s explanation of its auditing process, you may want to avoid the contest.
Check out BBB Business Reviews at www.bbb.org.

Consumer Fraud Task Force Warns About Pitfalls Of Payday Loans

1/6/2012

Posted on 1/6/2012 by

St. Louis, Mo., Jan. 5, 2011 – Desperate to pay rent or buy food for their families, many consumers are turning to payday loans as their last hope for urgently needed cash.

But while most borrowers believe they will pay off the loans quickly, the Consumer Fraud Task Force warns that payday loans can have long-lasting and devastating effects.

“Consumers may see payday loans as a quick fix for their immediate problems,” the Task Force says. “Too often, though, what seemed like a blessing can turn into a curse.”

Specifically, the Task Force said that payday loans can trap borrowers in a revolving door of debt that can be difficult to escape. When borrowers discover that their loan repayments leave them unable to meet their bills, they are forced to take out additional payday loans.

The nonprofit Center For Responsible Lending reported last year that the typical payday borrower takes out multiple payday loans per year, often paying a new fee for each loan.

In states where payday loans are legal, interest rates can be high.

A recent Better Business Bureau (BBB) study concluded that weak payday loan laws in Missouri have attracted out-of-state lenders who are “costing Missourians who can least afford it millions of dollars a year.”

The Task Force suggests that consumers be extremely cautious when considering loans either from an online business or a neighborhood loan office. It also warns that borrowers could be subject to criminal prosecution if they stop payment on a payday loan check or close their account prior to the check being submitted.

The Task Force offers these additional tips for consumers considering taking out a payday loan:

See if your bank or credit union offers short term loans.
Contact your creditors or your loan service company as quickly as possible if you are having trouble with your payments. Ask if you can have more time.
Use a credit card for emergencies. Although this is generally an expensive way to borrow money, it is less costly than payday lending.
Find out if you can delay paying a bill which has no interest charges, and make payment arrangements with the company.
If you do take out a payday loan, read the agreement thoroughly and make sure you understand it. Know exactly when the loan will come due, how the money will be collected and how much your payments will be.

The Task Force is a coalition of local, state and federal government agencies and nonprofit business and consumer groups in Missouri and Illinois that work together to protect consumer and donor rights and guard against fraud. Previous Task Force releases have focused on tax scams, timeshare resellers, home remodelers, work-at-home scams, sweepstakes offers, online auctions, credit repair scams, debt management advice, foreclosure scams, extended auto service contracts, fire and police organizations, online payday loans and debt collection practices.

BBB Names Top Ten Scams for 2011

1/4/2012

Posted on 1/4/2012 by

Thousands of scams – from the latest gimmicks to schemes as old as the hills – are investigated by Better Business Bureau every year. Drawn from the new BBB Scam Source (www.bbb.org/scam), BBB names the Top Ten Scams of 2011. BBB Scam Source is a comprehensive online resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others.

“Knowing the top scams for 2011 can help you avoid scams in the New Year, because so many scams are recycled with current issues or buzz words,” said Jeannette Kopko, spokesperson for Better Business Bureau serving Dallas and Northeast Texas. “Keep up to date with the latest scams by signing up with BBB Scam Source to receive Scam Alerts by email, and be a scam detective yourself by reporting scams you’ve discovered.”

Here are the top scams for 2011 in nine categories, plus the 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. The scam emails, websites and online applications all look very professional, but the job seeker has to fill out a “credit report” or provide bank information for direct deposit. 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 there’s no job either.

Top Sweepstakes and Lottery Scam

There are many variations, but the bottom line in a sweepstakes or lottery scam is this: You’ve won a whole lot of money, and in order to claim it you have to send a smaller amount of money. These scams often use celebrities or other famous names to make their offer seem more genuine. 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 media site. If you aren’t sure about a sweepstakes, contact the company directly to check it out. But don’t waste too much time looking.

Top Social Media Scam

On the Internet, it’s easy to pretend to be someone you are not. With so much information online, a scammer can sound like they know you. There are many ways to use social media for scams, but this year one scam 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. Some knock on your door with a story or a deal – like the roofer who says he spotted some missing shingles on your roof, or 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

Scammers often use two legitimate companies – Craigslist and Western Union – especially in check cashing scams. Here’s how it works: Someone contacts you via a Craigslist 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 an email that puts a virus on your computer to hunt for your data, or a suspicious phone call asking for personal information. It’s almost impossible to avoid them if you have an email or telephone 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, tempting you to react quickly and click on the link before thinking it through. The link may take you to a fake banking site to “verify” your 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 lobbies. 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 the 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 penny auctions 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

A malicious email that claims to be from BBB is at the top of the list for 2011. 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. Clicking on the link releases a malicious 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 BBB Scam Alerts and learn about new scams as soon as the BBB does.

To check out a business, find BBB Accredited Businesses, file a customer complaint, report false advertising, or see tips and alerts for consumers and businesses, start at www.bbb.org.

In the News -- Alert on SaveMore.com

1/3/2012

Posted on 1/3/2012 by
One daily deal site, SaveMore.com of Addison, TX, is no deal, say hundreds of complaints to BBB. Michele Mason of BBB of North Alabama tells Carrie Marchese of WHNT News 19 how SaveMore's Facebook page has plenty of complaint posts too.

See the story above or click here:

http://www.whnt.com/videobeta/296c9ddb-5322-429b-8262-200f56c60470/News/BBB-Consumer-Alert-savemore-com

See the BBB Business Review on SaveMore.com at

http://www.bbb.org/dallas/business-reviews/internet-shopping/savemorecom-in-addison-tx-90344226

In the News -- SaveMore.com Complaints on Non-Delivery

12/26/2011

Posted on 12/26/2011 by

SaveMore.com, a daily deals website in Addison, TX, has been named in hundreds of complaints to BBB concerning non-delivery, reports Jack Fink of CBS11-TV, Dallas - Fort Worth. Customers say they paid for gift cards and produccts like jewelry that haven't been delivered. SaveMore.com has a BBB rating of F due to the complaints.

See the story above or click here:

http://dfw.cbslocal.com/2011/12/24/daily-deal-website-no-deal-at-all-says-bbb/

See the BBB Business Review at

http://www.bbb.org/dallas/business-reviews/internet-shopping/savemorecom-in-addison-tx-90344226

Gfit Recipts Key to Many Happy Returns

12/21/2011

Posted on 12/21/2011 by

Flash forward to the day after Christmas: All of the presents have been opened and now it’s time to return those that don’t fit or that Santa didn’t get “just right.”

The National Retail Federation reports that more than 60 percent of this year’s gifts will include a gift receipt, making returns and exchanges less of a hassle than if there is no receipt.

Your BBB and the NRF offer the following tips for stress-free returns:

• Know the retailer's return policy before you buy. Most retailers have return policies displayed. Gift-givers should read and remember them. If policies are not clearly displayed, ask a sales associate or a manager to explain them to you. Most retailers also outline their return policy on their websites.

• Make sure to provide the recipient with a gift receipt to save hassle after the holidays. Some retailers allow consumers to exchange merchandise without a receipt, but oftentimes will only provide merchandise credit for the lowest markdown price at which the item was sold.

• Some retailers won't accept returns unless the item is in its original package. If you plan to take back a gift after it is unwrapped, resist the urge to open it or play with it. No one wants to buy someone else's merchandise.

• Returns are a part of shopping, no matter where you buy. If the gift was purchased online, find out who pays for return shipping – you or the merchant? Some merchants will pick up the delivery charges for exchanges, but not for returns; others offer free return shipping on every return. Find out if returns or exchanges be made at an online retailer’s nearby physical store. Make sure you have the correct address if you need to mail returns back to the company. Some merchants have offsite service centers to handle returns that may be in a different location from where the merchandise is sent.

• Be patient. Remember, the week after Christmas is one of the busiest weeks of the year for retailers. With people’s frustration high and tolerance low, be patient when returning merchandise.

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

12/21/2011

Posted on 12/21/2011 by
The growing popularity of electronic books for devices like the Amazon Kindle, the Barnes & Noble Nook and other devices has inspired scams by unrelated firms that target readers, authors and authorized book publishers, the Better Business Bureau (BBB) warns.

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

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

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

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

To avoid e-book scams, the BBB advises:

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

Check a company’s BBB Business Review before you make a purchase by going to www.bbb.org.

Customers Tell BBB: 'Free' Face Cream Offer From Radialabs Led To Unexpected Charges

12/21/2011

Posted on 12/21/2011 by
Radialabs, a company that touts its wrinkle-reducing face cream as “the fountain of youth in a bottle,” has left a trail of disgruntled customers across Missouri, Illinois and the nation, the Better Business Bureau (BBB) warns.

Consumers say that Florida-based Radialabs, sellers of “Instant Wrinkle Reducer,” offered them free trial samples for $3.95 postage but then charged their credit cards $74.95 or more when they failed to cancel the orders and return the samples in 18 days.

The BBB also has concerns about Radialabs’ advertising claims and suspicious consumer testimonials on its website.

Radialabs has an “F” grade with the BBB, the lowest grade possible. Consumers from 43 states, including a dozen from Missouri and Illinois, have filed nearly 200 complaints involving Radialabs in the last 12 months.

Michelle Corey, BBB St. Louis president and CEO, said Radialabs’ marketing takes advantage of a so-called “negative option” to sell its face cream. That means that unless consumers cancel within a specified period, they will be charged for the sample product as well as for any future shipments. Several complainants told the BBB they were not aware of the terms; others said they were aware of the terms, but had difficulty canceling in time to avoid the additional charges.

“Businesses like Radialabs don’t make money giving away free samples,” Corey said. “If a company wants your credit card number for a $3.95 payment, chances are it wants more than just $3.95. It’s crucial that consumers read and understand all terms and conditions of any online sale.”

The BBB raised several additional concerns:

The testimonials on Radialabs’ web site appear to be from users of the face cream, but many of the same testimonials appear verbatim in online ads for other companies’ face creams. In several cases, the women’s photos, names or hometowns have been changed. Typical is a testimonial for Radialabs from a woman identified as Louise Dickenson of California, under the heading “Real people. Real Results.” The woman is quoted as saying, “My pores have visibly tightened, my skin not only looks good but it feels smoother than ever!” The same testimonial, sometimes using the photograph and name of a different woman, is used on sites for at least five other beauty creams.
The advertising copy on Radialabs’ website is virtually identical to the copy on the websites for similar products, even including charts that compare their products to the “leading wrinkle reducer.” The websites for Radialabs and at least five other similar products all claim “demonstrable effects an astounding 28 days after the first use.”
The Radialabs Instant Wrinkle Reducer site is almost an exact copy of a site for a Facialabs Instant Wrinkle Reducer site. Customer Support for Radialabs is listed in Hollywood Florida; customer support for Facialabs is listed in South Jordan, Utah. Radialabs’ registration with the Florida Department of State lists a principal address of 20533 Biscayne Blvd., Suite 266, in Aventura, Fla. That is the same address listed by Strixaderm Marketing Group, a nine-month-old business that markets a product called StrixadermMD No Wrinkles Now. Customer service representatives say that Radialabs and Strixaderm are separate companies.

A woman from Brentwood, Mo., told the BBB she ordered a free trial sample of the Radialabs cream several months ago for $3.95 shipping. When she missed a deadline for returning the sample, her credit card was charged $74.95 on March 18. She said a second $74.95 charge was levied on April 3 for a second bottle of the cream which she returned unopened. Despite company assurances that her money would be refunded, it has not been. “Their intent, clearly, is to bilk the customer . . . any way they can,” she said.

A Camdenton, Mo., schoolteacher said she, too, ordered a trial of the face cream for $3.95. She said she returned the cream shortly after the deadline, but was still promised a refund. Her card was never credited. “They said it was a risk free trial, but it ended up costing me $75.00,” she said.

A woman from Defiance, Mo., said she paid for a trial offer after Radialabs contacted her through an online news site. Ultimately, Radialabs charged her $150 for a product she said did nothing to help her skin. She said she never saw anything that indicated the company would charge her if she didn’t cancel.

Officials with Radialabs did not respond to a BBB request for information.

Similar “negative option” websites, selling everything from tooth whiteners to health products to cosmetics, have come under fire from state agencies in recent years. In most cases, the businesses offered a sample or free trial and then charged the consumer full price when it was not returned on time.

FWM Laboratories, which like Radialabs also used a Hollywood, Fla., address, was targeted two years ago by the Utah Division of Consumer Protection and the Florida attorney general’s office. Those actions involved similar free trial offers. During the Florida investigation and settlement negotiations, FWM made over $34 million in refunds to consumers. In addition to the restitution, the company agreed to pay $200,000 in attorneys’ fees and costs and to continue to issue refunds to any consumers making complaints.

The BBB offers the following tips to consumers considering free or reduced-price offers:

Be cautious when ordering free trials or free samples via the Internet, especially if you are asked for a credit card number. In many cases, you will be charged full price for the trial product unless you return it by a specified deadline.
Read the website carefully, especially the section marked “terms and conditions.” It is that section where you usually will find any restrictions or added charges tied to the trial offer.
Be alert to fine print and be careful when clicking a box authorizing recurring charges.
If you want to return the trial offer before additional charges go into effect, make sure you follow the return rules. Some companies will reject your cancellation request if you do not follow the instructions exactly.
Get a BBB Business Review by going to www.bbb.org.

BBB Warns of Phone Scam Aimed at Hotel Guests

12/20/2011

Posted on 12/20/2011 by

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

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

How the Scam Works

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

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

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

BBB Tips to Protect Yourself from Being Victimized

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

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 has 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.”

BBB Warns Daily Deal Shoppers about Complaints on SaveMore.com

12/20/2011

Posted on 12/20/2011 by

Dallas, TX, December 20, 2011 -- Daily deal sites, with cut-rate prices on a variety of offers, are a strong draw for Internet shoppers. But a bargain price is no deal if the product isn’t delivered. The Better Business Bureau (BBB) warns shoppers who are going online to shop for last minute gifts and gift cards that SaveMore.com, 4550 Excel Parkway, Suite 100, Addison, TX, has been the subject of 227 complaints in the last few months from customers across the country. Complaints concern non-receipt of vouchers; non-delivery of products such as cell phone covers, water bottles, and watches; and gift card vouchers that don’t work. Product orders are fulfilled by sites including GadgetGear.tv, ElectronicSkins.net, Reusable Bags.tv, TheVaseStore.net, SlapGear.net, and others.

Customers also complain that calls and emails aren’t returned, and at times the line appeared to be disconnected. Customers report that posts about their problems on SaveMore.com’s Facebook page are removed and a block is placed on future posts.

Due to the complaint record, SaveMore.com has a BBB rating of F, the lowest rating on a scale from A+ to F. Of the 222 complaints on the business, 89 are closed, with most of those resolved and 7 unresolved. The other 138 complaints – all filed since mid-November – are awaiting an answer by the business or confirmation from the customer on a resolution.

“Although SaveMore.com answers complaints with assurances that problems have been addressed and makes credits and refunds, the complaints continue,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Customers expect that businesses should not only address individual complaints, but also look into and correct the causes of complaints.”

In mid-December a woman in Grapevine, TX, complained that she didn’t receive jewelry purchased as a Christmas gift: “I have placed 10+ calls a day and left voicemails with every phone call … To this day I have not received a return call nor a return email … they have a Facebook page so began posting requests for information on my order. I subsequently was noticing that my posts were being deleted from their FB pages without providing any information about my order … I am counting on this merchandise for Xmas presents and need to ship them to Canada in time for Xmas. 5 weeks should have been plenty of time to have the merchandise shipped to me.”

Another complaint from a woman in Middletown, PA, says the vouchers she received didn’t work. “SaveMore.com offered a deal where you get a $25 JCPENNEY card along with $50 Restaurant.com card for a total of $25. The voucher for the offer did not work at either company. JC Penney knew nothing of the offer and the voucher didn't work at the restaurant.com site. I purchased with my credit card and I'm currently disputing the charge.”

Some complaints on SaveMore.com are concerning poor quality of products. A woman in Westminster, CA, complained about a teeth whitening kit: “What I finally received in the mail is TOTALLY UNACCEPTABLE: teeny tube, unwrapped (lacking any packaging whatsoever), in opened-condition (!). It's not a 'Kit', it's not hygienic, it's not even labelled with anything …”

BBB accepts customer complaints and sends complaints to the business for a reply. Then BBB checks with the customer to see if the matter is resolved. Complaints are closed as resolved, unresolved, or unanswered. Information on complaints closed during the last 36 months, the BBB's standard reporting period, is included in BBB Business Reviews. BBB processes complaints on both BBB Accredited Businesses and non-accredited businesses.

BBB offers these tips for shopping online:

Trust your instincts – Don’t hesitate to pass up a deal that’s too good to be true --- it could cost you dearly in the end.

Use trustworthy Web sites – Check out businesses at www.bbb.org. If there’s a BBB Accredited Business seal on the seller’s website, click on it to verify.

Pay with a credit card – Under federal law you can dispute the charges if you don’t receive the item, or there are unauthorized charges on your credit card.

Keep documentation of your order – Print the final confirmation page or email confirmation, and keep for future reference and as a record of the purchase.

Check your credit card statements often – Don’t wait for paper statements; either call credit card companies or check online regularly.

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.

In the News -- Give But Give Wisely This Holiday Season

12/17/2011

Posted on 12/17/2011 by

Giving to friends and families on our minds during the holiday season, so it's natural to think of giving to those in need. Where does your money go when you donate by texting, or buy a product with a portion going to charity?

Pamela Yip in The Dallas Morning News gives tips from BBB to give, but give wisely.

Among the tips from Jeannette Kopko of the Better Business Bureau serving Dallas and Northeast Texas:

Know who you're giving to -- names of charities can sound alike.

Texting a donation -- see how much goes to the charity and when.

Portion of purchase -- look for specifics on how much the charity gets.

For more tips on charitable giving, and detailed BBB Wise Giving Reports on charities, visit www.bbb.org/charity.

Find the story in Saturday's Dallas Morning News, December 17, or go to this link for subscribers. http://www.dallasnews.com/business/personal-finance/headlines/20111216-dig-deep-into-charities-appeals-before-giving-this-holiday-season.ece

In the News -- TKO Sports Advertising Not Delivering T-Shirts to Local Business

12/17/2011

Posted on 12/17/2011 by

A Richardson car repair shop paid for advertising on T-shirts that weren't delivered by TKO Sports Advertising and Production in Houston, reports Andrea Lucia of CBS11-TV, Ch. 11, Dallas - Fort Worth.

The T-shirts were supposed to be distributed to sports fans at a local high school, but the school says it isn't working with TKO. BBB reports there are 33 similar complaints from small businesses on TKO.

See the CBS11-TV story above or at this link http://dfw.cbslocal.com/2011/12/16/richardson-business-knocked-out-by-failed-t-shirt-delivery/

TKO Sports Advertising and Production has a BBB rating of C-, due to the number of complaints and failure to eliminate a pattern of complaints. See the BBB Business Review on TKO Sports at this link http://www.bbb.org/houston/business-reviews/soliciting-organizations/tko-sports-advertising-and-production-in-houston-tx-22006551/

In the News -- Gift Card Complaints Up This Year

12/16/2011

Posted on 12/16/2011 by
Gift cards may be the most popular gift during the holidays, but consumers should read the fine print to keep from losing out on the value of the cards, reports Ginger Allen of CBS11-TV, Dallas - Fort Worth.

Consumers say purchased cards were already expired, or due to fees, cards lost value before the cards could be used.

Jeannette Kopko of the BBB in Dallas reminds consumers that gift cards have varying conditions, and it's best to find out in advance so the full value of the card can be used.

Click this link to see the story:
http://dfw.cbslocal.com/2011/12/15/buyer-beware-gift-card-complaints-up-this-holiday-season/

For more consumer tips for the holidays from Better Business Bureau, visit http://dallas.bbb.org/bbb-news/?holiday

ALERT Malicious Complaint Email Claiming It’s From BBB

12/7/2011

Posted on 12/7/2011 by
Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email that 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):

In the News -- Complaints on Abba Auto Transmission Repair

12/1/2011

Posted on 12/1/2011 by

Customers are complaining about being asked to pay hundreds of dollars more than expected for automobile transmission repairs by Abba Auto, 13415 Green Grove, Dallas. Andrea Lucia of CBS11-TV, Ch. 11, talks to customers who are having problems getting their cars back after the transmissions were torn down and Abba said much more expensive repairs were needed.

Jeannette Kopko of the BBB serving Dallas and Northeast Texas explains that it can be difficult for customers to get their cars back without either paying for the additional repairs, or paying for the transmission to be put back together and for the car to be towed back to the customer.

See the video above, or click on this link: http://dfw.cbslocal.com/video?autoStart=true&topVideoCatNo=default&clipId=6505312

Abba Auto has a BBB rating of F, the lowest rating available on a scale from A+ to F, due to a record of unanswered customer complaints. To see the BBB Business Review on Abba Auto, click on this link: http://www.bbb.org/dallas/business-reviews/auto-repair-and-service/abba-in-dallas-tx-90313523

In the News -- Complaints on Abba Transmission Repair

12/1/2011

Posted on 12/1/2011 by

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

11/28/2011

Posted on 11/28/2011 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, spokesperson for the Council of Better Business Bureaus. “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/.

ALERT: Scam Email Claims 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 is purporting to be from a bbb.org email address about a recently filed complaint. The email contains a dangerous attachment regarding a complaint and appears to direct recipients to the BBB website. This is a scam - BBB does not send complaints as attachments via email.

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

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

BBB Warns Not to Click on Link in Phony Email

11/23/2011

Posted on 11/23/2011 by

Fraudulent emails claiming to be from the BBB about a customer complaint on a business are showing up in email inboxes in Dallas and across the country. The emails are fake and are not from the BBB.

The scam email states “The following URL (website address) below will take you directly to this complaint and you will be able to enter your response directly.” The link shown in the email is http://www.bbb.org which looks like a BBB Internet address. But this link does NOT go to the BBB and hovering over the link shows it's actually NOT a BBB Internet address.

Do not click on the link, because it might release malware, malicious programs that would harm your computer.

If you receive one of the scam emails, just delete it. Better Business Bureau advises you to be careful when clicking on links in emails or opening attachments even if you know the sender.

The BBB is working diligently to shutdown the malicious activity and will continue to do so until the threat is contained.

E-Book Scams Grow along with E-Book Sales

11/18/2011

Posted on 11/18/2011 by
E-book sales are growing exponentially, according to the American Association of Publishers. For the first eight months of 2011, e-book sales increased 144.4 percent, to $649.2 million. In February sales of e-books eclipsed those of traditional paperbacks. And e-readers are expected to be a hot gift item for the holidays.

But as the popularity of e-readers and e-books grows, so does the likelihood of related scams, including the following:

• E-books filled with useless and often badly written information sold for a couple of dollars. Malware is sometimes attached in order to obtain your credit card information.

• A single book is given different editorial spins and then sold under different titles or authors’ names.

• Material that is plagiarized from websites and blogs then packaged into an e-book and sold.

• Writing competitions with the winner having his or her work published digitally. Although the contests include entry fees, the cost to publish digitally is minimal.

• E-readers spammed with ad-laden works and hotlinks to both commercial and malware sites that load viruses onto your machine.

• E-book purchases and sales used to build up credentials for bogus sellers and buyers on auction sites.

To avoid e-book scams, the BBB advises:

• Stick with authors you already know or those who have an established reputation.

• If you decide to buy from an unfamiliar author, see if you can download a free sample first to test the quality.

• Don't be taken in by great reviews that accompany cheap e-books. They may be genuine or the writers may have been paid to produce them.

• Do a search on the book name or author to see what other people say or how many other books they supposedly have written.

• Don't click on links inside an e-book unless it's by an established, reputable author. Even then, it’s advisable to visit their websites via your Internet browser rather than using the link.

• If you believe you've been scammed, seek a refund. You should also register your complaint with the seller's customer service department. And, if all else fails, do other readers a favor by writing an honest review of the book.

Tips for Successful Shopping on Black Friday

11/16/2011

Posted on 11/16/2011 by

On Black Friday, the day after Thanksgiving, many consumers begin their holiday shopping and retailers offer bargains to lure in shoppers. Better Business Bureau (BBB) offers tips to help shoppers save time and money.

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

Tip 2 – Don’t Fall for False Advertising.
Be aware that some merchants will resort to Black Friday advertisements that are untrue, misleading, deceptive, or plain fraudulent. BBB advises consumers to watch for red flags, including prices that are too good to be true; insincere offers designed only to switch shoppers to much-higher-priced goods; and incomplete or obscure information about refunds, returns, exchanges, and warranties. BBB works for truth in advertising by asking advertisers to adhere to standards in the BBB Code of Advertising. For details and guidance on understanding advertising claims, see the BBB Code of Advertising.

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

Tip 4 – Set up Your Reward Cards.
Make sure you have reward cards with your favorite stores and keep them with you. Check your credit card rewards program as well for special points that could add up on Black Friday.

Tip 5 – Shop with Trust.
If you find a deal, do your research on the business – know how long it's been in business, look into its customer service track record, and check it out at www.bbb.org. If you're buying online, confirm that the site is secure by looking to see if the URL shows "https" and checking out the site's privacy and security policy. Be certain you have a phone number and physical address should problems arise with your order.

Tip 6 – Comparison Shop Online.
There are dozens of Black Friday websites that claim to capture the best deals around. Check out Black Friday websites at www.bbb.org and do an Internet search to see what others say about the site.

Tip 7 – Look for QR Codes.
They’re square, black-and-white and funny looking – but they can take you straight to a deal. QR stands for Quick Response and these codes are popping up in many ads and print materials. To scan a QR code and go online directly to an offer or information, you'll need to install a QR code reader app on your smartphone.

Tip 8 - Consider Small Business Saturday
The day after Black Friday, think about Smart Business Saturday deals. Save your gas money and your time when you stay close to home. The Better Business Bureau is encouraging consumers to support small businesses in your community on Small Business Saturday. Check your neighborhood retailers for special offers.

Tip 9 - Check Return and Exchange Policies.
Store policies on returns, refunds, and exchanges might change for Black Friday deals and shopping throughout the holidays. Make sure you know what the return and exchange policy is for your Black Friday special and that a return is even possible – especially if you’re buying online. Some purchases could be final, and there may be a shorter-than-usual time for returns. Will refunds be available, or only in-store or online credit towards other merchandise?

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

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

· Bring friends into the mix to help sort through your options, or trade off shopping in different stores.

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

· Guard your wallet and credit cards.

Avoid Being “Smished” by Scammers

11/16/2011

Posted on 11/16/2011 by

AUSTIN, Texas - Nov. 14, 2011 – A new scam has hit the market, targeting cell phone users. BBB warns that “smishing,” similar to “phishing,” uses text messages to bait consumers into divulging their personal information.

One form of the scam tricks consumers into believing their bank accounts have been frozen. The text message appears to come from the consumer’s bank and directs the victim to call a provided number to unfreeze the account. The number provided connects to the scammers, who ask for the victim’s personal information – account number, PIN and Social Security number.

The scam can take many forms, such as promising a free laptop, mortgage assistance or lottery winnings. Some texts might even offer a free product, such as a security app, to get you to click on a link which then downloads identity stealing software to your phone. Regardless of the tactic used, the overall objective is to steal your personal information.

According to online security firm Trusteer, cell phone users are three times more likely to fall for fake messages than computer users.

BBB offers these tips from AARP on how to protect your personal information from smishing texts:

· Do not reply. Replying to a spam text only verifies that your number is active, meaning more messages can be sent.

· Check with your bank directly. Separate from the text, look up your bank’s phone number and contact your bank directly to confirm the status of your accounts.

· Avoid unknown links. Do not click on any link sent by an unknown party.

· Block suspicious numbers. If you have received texts from an unknown number, contact your phone provider to block the number the texts are originating from.

· Do not store personal information on your phone. Avoid storing credit card and account login information in emails or notes on your phone.

Job Scam Could Lead to ID Theft

11/16/2011

Posted on 11/16/2011 by

Denver, CO – November 10, 2011 – According to the BBB in Denver, a new scam has hit Colorado that targets the unemployed by luring them in with a high-paying job offer, but appears to only be after their personal information.

A posting on Craigslist offers call center jobs in downtown Denver, DTC and Boulder, paying $18.50 an hour. The supposed employer describes itself as an “internet based gift giving service.”

The first step to apply for the job according to the website, www.getsomegifts.com, which was just created in October, is completing a free credit check. The website directs applicants to get their credit report at www.freecreditcheck.co.nr. This particular Web address originates in the Republic of Nauru, a small island located in the Western Pacific. Its link takes you to what appears to be a website for the California-based company, CreditReport.com. The BBB contacted CreditReport.com directly and confirmed with the business that www.freecreditcheck.co.nr is not one of its websites and CreditReport.com has no affiliation with the job offer.

“If you are ever asked to provide a credit report for any reason, obtain it yourself from one of the three major credit reporting bureaus. Also remember that you are entitled to one free credit report every year, which you can get at www.annualcreditreport.com,” said Dale Mingilton, president and CEO of BBB Serving Denver/Boulder. “Be extremely careful when applying for jobs online. High unemployment has paved the way for so many job scams like this.”

There are numerous red flags associated with this latest scheme. Not only does the specific credit check requirement instructions hint at possible identity theft, but the addresses for the call centers don’t match up with any such operation; one of them, in fact is a parking lot. Finally, www.getsomegifts.com is full of too-good-to-be-true offers such as free iPhones, free Xboxes, and free $500 gift cards to Wal-Mart and Best Buy, just to name a few.

When the BBB tried to apply for these “free” offers, security systems blocked the website entirely.

The BBB warns job seekers to thoroughly investigate companies before applying for employment.

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 (USO) at www.uso.org, their state office of veterans’ affairs, or the Veterans Administration.

Beware Scams That Target Veterans And Military Personnel

11/8/2011

Posted on 11/8/2011 by

On Veterans Day, Americans take time to honor those who have served our country. The Better Business Bureau (BBB) warns that it’s also a time when scammers come out to take advantage of our veterans and active duty military personnel. BBB wants to make sure those who serve us do not become victims of fraud.

Veteran's scams can take many forms. BBB provides the following information on different types of offers and scams that can put veterans at jeopardy of becoming victims of fraud or identity theft.

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

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

• Be wary of bogus charities with names that reference the Armed Forces and seek donations. Check out charities with the BBB Wise Giving Alliance, www.bbb.org/charity.

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

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

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

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

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

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

• Check out businesses and charities at www.bbb.org for BBB Business Reviews and BBB Wise Giving Reports.

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

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

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

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

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

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

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

11/8/2011

Posted on 11/8/2011 by

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

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

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

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

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

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

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

The Accountability Program determined that:

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

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

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

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

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

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

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

###

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

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

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

For more information, contact Linda Bean at 212.705.0129.

In the News -- Layaway is One Way to Stay Out of Holiday Debt

11/8/2011

Posted on 11/8/2011 by

One way to manage paying for holiday gifts is to put the items on layaway, reports Pamela Yip in The Dallas Morning News. “But if you decide to use layaway, be sure you understand what you're getting into,” the article notes.

“Jeannette Kopko, spokeswoman at the Better Business Bureau of Metropolitan Dallas Inc., urged consumers to check the reputation of a layaway plan with her agency,” the article states. “Does the retailer or third-party layaway service have a good BBB rating? she asked.”

"When buying items on layaway, BBB advises consumers to get everything in writing,” the article notes.

In the article, Pamela Yip suggests that consumers find out how much time they have to pay for the merchandise or service. When are the payments due? What's the minimum payment required and is there a service fee for using the plan?

The article also advises, “It’s critical that you make your layaway payments on time, or your may lose the merchandise that you want to purchase.”

Customers should also find out if a refund is available if they decide they don’t want the merchandise after making some or all of the payments.

Now some stores provide online layaway services for purchasing items through the retailer's website, the article notes. And third-party businesses “have sprung up for the purpose of setting up online layaway plans to help customers buy products from retailers that don't have a layaway program.”

Under these plans, the article explains, “the consumer makes periodic payments to the third-party layaway service provider. Once the item is fully paid for, the business buys the item from the retailer and ships it to the customer.”

As with in-store layaways, know the fees charged by online layaway firms.

To see the article online (for Dallas Morning News subscribers only), go to http://www.dallasnews.com/business/personal-finance/headlines/20111104-layaway-is-one-way-to-stay-out-of-holiday-debt.ece

BBB Warns That Victory Sports May Be Misleading Businesses About T-Shirt Ads

11/8/2011

Posted on 11/8/2011 by
St. Louis, Mo., Nov. 8, 2011 - The Better Business Bureau (BBB) in St. Louis is warning area businesses to be alert for phone calls from a Texas-based sports marketing company selling advertising space on school T-shirts.

A University City restaurant operator said a saleswoman with Victory Sports of Irving, Tex., phoned him late last month, asking him to buy an ad for between $200 and $400 to be imprinted on “spirit” T-shirts. He said the saleswoman told him Victory Sports had an agreement with Normandy High School’s current athletic director to print the shirts for the school. But the athletic director said last week that there is no agreement between the school and Victory Sports. At least three other businesses in the University City Loop area also have been contacted by Victory Sports.

Victory Sports has an “F” grade with the BBB, the lowest grade possible. Last year, the Dallas BBB issued a news warning, alerting small businesses to watch out for telemarketing calls from Victory Sports and another Irving company called IMG Integrated, also with an “F” grade. The warning said the BBB had received numerous complaints from small businesses nationwide, alleging the companies used misleading sales tactics, supplied poor quality products and either delivered products late or not at all.

Complaints also alleged that representatives of Victory Sports said that the company had agreements with schools to print shirts and other items when it did not.

Michelle Corey, BBB president and CEO, said that most small businesses operate under tight budgets and want to get the biggest bang for their advertising dollars. “No business wants to pay hundreds of dollars to get its name on poor quality products or products that are not distributed as promised,” she said.

Victory Sports sent the BBB a copy of what appears to be a two-year agreement with a former athletic director of Normandy High School to provide T-shirts, concession cups and seat cushions free of charge to the school. But, based on the May 26, 2009, date on the agreement, it appears that the agreement expired more than five months ago.

Such solicitations are not unusual. Last week, Mike Williams, principal of School of the Osage High School in Osage Beach, Mo., said a businessman in that area recently was solicited by another Texas business to purchase advertising on a rally towel. The salesperson for that business implied the company had a relationship with the school when it did not, Williams said.

Last year, St. Louis area prosecutors warned local businesses to avoid yet another Texas marketing company, Jam Sports Marketing of Austin, Tex. That company allegedly took $299 each from at least nine businesses in south St. Louis in return for having their ads appear on 1,000 T-shirts to be distributed to new students at Webster University. University officials said Jam Sports had no authorization to produce the shirts. The university received about 200 unsolicited, poor quality shirts from the company, which were never distributed.

The BBB offers the following tips for businesses solicited to buy advertising space:

Deal only with reputable companies with good track records. Unethical businesses have been known to collect money for ads that never appear or which see only limited distribution.
Get any advertising contract in writing and make sure you understand it before signing the agreement.
Withhold a portion of the payment until you are satisfied that the ad seller has met his or her obligations.
Check out a business at www.bbb.org.

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

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 Source. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect the BBB trademark.

How You Give is Just as Important as What You Give – Give Wisely this Holiday Season

11/1/2011

Posted on 11/1/2011 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Giving USA Foundation, total estimated charitable giving in the United States rose 3.8 percent in 2010 (2.1 percent adjusted for inflation). The increase reflects the continued determination of every American to support charitable organizations even during challenging economic times.

“With a tight budget this holiday season, it will be important for donors to be creative when giving back and supporting those who are less fortunate,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “When looking to make a contribution, it’s important to take the time to do your research. How you give is just as important as what you give.”

BBB Wise Giving Alliance offers the following five common ways that people donate to charities over the holidays and a few things to consider:

Give items. Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop. Many charities have had great success partnering with businesses that agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt (also called embedded giving). See if the embedded promotion states which specific charity will receive the collected funds.

Give online. Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review, look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging. The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take 60 – 90 days to reach the charity since the funds are forwarded after you pay the donation charge on your next monthly cell phone bill. During disaster giving periods like Haiti, however, cell phone carriers work to forward funds faster. Of course, charities welcome donations at any time during the year.

Give your time. In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

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. Better Business Bureau is advising consumers to know which businesses to trust and which to avoid to prevent their hard earned dollars from going up in smoke.

To date this year, BBB has received more than 380 complaints against chimney cleaners, which is up from the 342 complaints received in all of 2010.

“Chimney sweeping is not something that homeowners deal with often, so we may lack knowledge of the cleaning process,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Many scammers take advantage of this and do shoddy work…or no work at all.”

In some cases, consumers have reported calls stating the town fire department recommends the resident’s chimney be cleaned. The calls go on to recommend a particular chimney sweep and endorse their services on behalf of the fire department. Though town fire departments do recommend having chimneys cleaned on an annual basis, they do not endorse any particular company or inspect chimneys. Many scam artists are targeting the elderly, making vague, unclear phone calls claiming they have done business in the past and it is time for their annual sweep.

Scam artists are also advertising at a much lower price than legitimate businesses. Typically, a professional chimney sweep will charge between $150 and $200 for the cleaning of one chimney shaft, whereas scam artists are charging as little as $50. BBB advises that if a price sounds too good to be true, it usually is.

Many scam artists use a low price tactic to get in your door, at which point they recommend additional work be done immediately, bullying the consumer into a much more expensive bill. If the price you are quoted is significantly lower than that of other businesses, it should be viewed as a red flag.

BBB suggests consumers do their homework before hiring a chimney sweep and inviting them into the home. Additionally, check with your local fire department and with the Chimney Safety Institute of America (csia.org).

BBB recommends using these helpful tips when hiring a chimney sweep:

Check out a chimney sweeping business at bbb.org. Always check with BBB for a trusted chimney sweeping business in your area. Are they an Accredited Business? Do they have any outstanding complaints?

Find out how long they have been in business. How long have they operated in your area? Find out if they offer current references, or if you know anyone who has used their services in the past.

Ask if they have a valid business liability insurance policy. In the event of an accident, this policy keeps your home and belongings safe.

Find out if any employees are certified through CSIA. Though this is not law, it is recommended by the fire department, and speaks to the qualifications of the individual or business you hire. CSIA is a national nonprofit agency with a certification program for chimney sweeps and certification is required of members of the National Chimney Sweeping Guild.

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

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 (BBB) 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 shopping at small businesses. 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.

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 (BBB) 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.

Web Media Malls and ITech Financial Took Thousands From Unemployed, Senior Citizens

11/1/2011

Posted on 11/1/2011 by
The Better Business Bureau (BBB) is warning potential investors to be on the alert for unsolicited phone calls from salespeople offering to set them up with web-based stores or other Internet business ventures.

Consumers nationwide say they lost hundreds or thousands of dollars to telemarketers who took their credit card information in exchange for promises of future business income.

Many complaints involve companies based in or near Phoenix, Ariz. The businesses include Web Media, Web Media Blogging, ITech Financial Group, Web Media Malls and UPG Marketing.

An attorney in the consumer protection office of the Arizona attorney general called the Phoenix region “the Silicon Valley” for Internet investment schemes. She said complainants often claim to have lost $40,000, $50,000 or more.

Michelle Corey, BBB president and CEO of the BBB in St. Louis, said the companies typically prey on seniors and the unemployed, who may be vulnerable to high-pressure sales pitches.

“These callers can be very convincing,” Corey said. “They know exactly what buttons to push to get your credit card number. Don’t fall for it.”

Corey said the schemes often work because the consumers have limited knowledge about the Internet or computers.

A 70-year-old woman from Wentzville, Mo., who uses her computer only to play Solitaire, says she paid Phoenix-based Web Media Malls more than $16,000 earlier this year after a salesman told her he could set up two online stores for her.

“They said I wouldn’t have to worry about anything,” said the woman. “They had me so confused that by the time I got done, I didn’t know what I was doing.” She said she has received no income from her investment and has been unable to contact the business.

An unemployed man from Sunset Hills, Mo., said he lost $14,000 to Web Media in a credit card processing deal. He said he invested in the business because he was desperate.

“We were going to lose our house,” the Sunset Hills man said.

A woman from New London, Iowa, says her father, a retired truck driver, lost more than $80,000 to Web Media and other companies that sold him Internet business services. The Internet sites included an online store to sell a fuel additive and another promoting crime scene investigation tools. Because of the losses, the daughter said her father could lose his trailer home. He also has talked of suicide, she said.

An unemployed woman from Lexington, S.C., said she paid Web Media/ITech Financial $9,600 to set up a Web-based store that would generate cash for her with a minimal amount of work. “I can’t tell you how much I have beaten myself up,” she said. “I thought I was much smarter than this.”

The BBB in Phoenix has received numerous complaints about Internet investment schemes in recent years.

Records with the Arizona secretary of state show that Web Media Blogging also does business under the trade names ITech Financial Group and Web Media Malls.

The records identify Rashied Arekat of Phoenix as company manager and Brian Christianson of Phoenix as a member. Arekat told the BBB last week that he did not know he was manager of Web Media Blogging and has nothing to do with the company. He also said he does not know Christianson. Arekat said his name may have been used because he knows a relative of Eli Rabadi. Arekat said Rabadi is an official of Web Media Blogging.

A spokesman for Web Media Blogging also identified Rabadi as an executive with the company. Rabadi is listed in Arizona corporations records as a member of UPG Marketing. Attempts to reach Rabadi were unsuccessful.

Web Media Blogging has not responded to BBB questions.

The BBB offers the following tips to consumers who are considering investing in Internet-based businesses:

Research the company and its executives carefully. Check for a BBB Business Review at www.bbb.org.
Don’t be fooled by promises of guaranteed returns on your investment. No business can guarantee how much money you will make.
Read all contracts carefully. Written contracts take precedence over oral promises or commitments. Do not sign anything, either in your own handwriting or by electronic email signature, without reading the document carefully.
Be extremely careful committing to a business offer from a telemarketer. Never give a credit card number or any other banking or personal information unless you are confident of exactly what you will be paying and what you will be getting for your money.

Trick or Treat? Spot the Scary Social Media Scams

10/31/2011

Posted on 10/31/2011 by

Common ploys give scammers personal information or download malware

AUSTIN, Texas - Oct. 31, 2011 – With millions of users worldwide, social networking sites like Facebook and Twitter are unquestionably popular, but Better Business Bureau warns users may be the target of social media scammers.

“Many social media users don’t take the right precautions to protect their identities while online,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “But users need to be aware that scam artists are savvy and use clever methods to trick consumers into clicking on potentially malicious links.”

BBB advises social media users to be on the lookout for these five common social networking scams:

Fake Friends
Not all friend requests come from real friends, or real people for that matter. Some Facebook accounts exist solely to cast a wide net for spamming or extracting personal data from users. Only accept friend requests from people you know.

Questionable Quizzes
Clicking on an ad or a link that takes you to a questionnaire on a website outside Facebook can lead to unwanted results. In many cases, the quiz may ask you to enter your cell phone number before you can view your results. If the scammers get your number, they can use it to subscribe you to unwanted and expensive text messaging services.

Terrible Tweets
Direct messages may appeal to your vanity with a message that suggests you can be seen in a compromising or flattering way at a certain website. The link to the website downloads malware to your computer.

Grim Gifts
Clickjackers on Facebook entice you to copy-and-paste text into your browser bar by posting tempting offers, leading users to inadvertently download malicious code. Clickjackers then take control of your account, spamming your friends and further spreading their scam. Be suspicious of any too-good-to-be-true offers, such as free coffee or pizza from well known retailers.

Viral Videos
Videos with sensational headlines get users to visit an outside website and download malware in the disguise of a video player. If you click on the video, you will be prompted to “upgrade your Flash player now” and will then be asked to download a file which contains a “worm”. If you download and install the file, your computer will automatically log in to Facebook and send similar messages to your friends. Never download a file after clicking on a link.

To check out a business, find BBB Accredited Businesses, get tips and alerts, report false advertising, or file a customer complaint, start at www.bbb.org.

Home Business Opportunity from To the Nines Leaves Job Seekers Shoeless

10/28/2011

Posted on 10/28/2011 by

Dallas, TX, October 31, 2011 – As the national unemployment rate hovers around 9%, one Carrollton-based company claims to empower women to become successful, profitable, independent business owners. However, the BBB warns that a multi-level sales opportunity to sell shoes from a business called To The Nines has failed to provide job seekers with a viable home business.

In January, To The Nines and its parent company, Iamaa Direct, began recruiting entrepreneurial hopefuls into a multi-level marketing business opportunity which involved the direct selling of designer shoes. However, since September, the BBB has received 34 complaints from across the U.S. alleging that To The Nines and Iamaa Direct charged individuals up to $5,000 in business opportunity fees and failed to deliver any shoes. Both businesses have a BBB Rating of F due to failure to respond to complaints.

“High pressure to invest and exaggerated earnings claims are red flags to look into any multi-level marketing offer more carefully,” said Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas. “Take time to look into the track record of the business, including checking with the BBB. Remember that new businesses may only be able to project possible earnings, and actual earnings will depend on a number of factors.”

Management Concerns

To The Nines first came to the BBB’s attention when the original president, Nicole Jones, approached the BBB with concerns that her business partner, Kenny Davis, was deceiving her and job seekers.

Specifically, Ms. Jones stated concerns that over $600,000 in consumer’s business opportunity fees appeared to be unaccounted for. Her concerns were amplified by the discovery that Mr. Davis had been convicted of securities fraud in 2003 for his actions relating to Dallas-based Smart-Mart, Inc.

On September 16, 2011, the BBB received a copy of Ms. Jones’ resignation letter, in which she stated, “I cannot be part of a company that I believe is misrepresenting things about our business, is not acting in an ethical and honest way with our representatives or myself, is not willing or able to provide me with accurate financial reports as the President of the company and is being otherwise generally non-responsive to my requests for information.”

Shortly after, Debra Aaron took over as president of To The Nines. Ms. Aaron was previously the president of Crowd Sourcing International, a multi-level sales company which claimed to pay job seekers for recording the location of automotive license plates. Crowd Sourcing International has a BBB rating of F due to complaints and failure to substantiate claims about the business opportunity. For the BBB Business Review on Crowd Sourcing International, see http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435 .

Complaint Concerns

Complaints on To the Nines and Iamaa Direct describe failure to provide ordered shoes in accordance with the business opportunity plan and difficulties receiving refunds.

One recent complaint from a Florida consumer explained that “They took my entry fee to the company as a regional director of To The Nines, LLC. which was $4,896.00 via wire transfer from my bank to theirs. I was promised my own website with shoes to sell. They took mine and several hundred other consultant fees as well and closed their doors.”

Complaints are from Colorado, Florida, Georgia, Illinois, Oklahoma, Pennsylvania, Texas, and Washington.

Between Iamaa Direct and To The Nines, the companies have failed to respond to 28 of the 34 complaints to the BBB. For the BBB Business Review on To the Nines, see http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/to-the-nines-in-carrollton-tx-90346239 . For the BBB Business Review on IAMAA Direct, see http://www.bbb.org/dallas/business-reviews/business-consultants/iamaa-direct-in-carrollton-tx-90376954 .

In addition, the BBB has been unsuccessful in contacting Mr. Davis to address the BBB’s concerns regarding the company’s business model.

The BBB advises anyone who is considering investing in a business opportunity, whether online or offline, to look into the business, the details of the offer, and the market for the product or service. The BBB the and Federal Trade Commission (FTC) offer these tips:

1. Consider a business opportunity carefully. If it claims buyers can earn a certain income, how many previous purchasers achieved those earnings?

2. Check out the business. Contact the attorney general's office, state or county consumer protection agency and Better Business Bureau where the business opportunity promoter is based to find out whether there is any record of unresolved complaints.

3. Consult an attorney, accountant or other business advisor before you put any money down or sign any papers. Entering into a business opportunity can be costly, so it's best to have an expert check out the contract first. If the promoter requires a deposit, ask your attorney to establish an escrow account where the deposit can be maintained by a third party until you make the deal.

4. Take your time. Promoters of fraudulent business opportunities are likely to use high-pressure sales tactics to get you to buy in. If the business opportunity is legitimate, it'll still be around when you're ready to decide.

To check out a business, find BBB Accredited Businesses, view tips and alerts for consumers and businesses, or file a complaint, start at www.bbb.org.

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, warns BBB. 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. The Better Business Bureau advises that anyone who has a StubHub account (and some who haven’t) may be at risk.

StubHub has posted this notice on its website:

"We are aware that some people have received an email regarding order number 47223311, which they did not place. The email is a phishing email, and was NOT sent by StubHub or any affiliate. Your credit cards have not been charged. Please DO NOT click on any link in the email. If you have logged in to your account via one of the links in the email, you should log into your StubHub account immediately to change your StubHub password.

"If you have not clicked on any of the links contained in the email, you can safely delete it."

How the scam works:

The email asks you to login to your StubHub account to confirm the order.

DON’T login. A computer program may steal your password, giving thieves access to your StubHub account where valid credit card info may be stored.

Change your account password if you have an account at StubHub right away. Go directly to the StubHub site to do that, not through the email.

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.

For alerts on the latest scams, check out BBB Scam Source, http://www.bbb.org/us/scam-source/

To learn more about phishing emails, see "How Not to Get Hooked by a Phishing Scam" from the FTC at http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt127.shtm

Texas Attorney General Suspends ATV Dealer’s License

10/25/2011

Posted on 10/25/2011 by

AUSTIN, Texas - Oct. 25, 2011 – The Texas Attorney General has resolved an enforcement action against New Braunfels-based The Family Exchange and its owners Brandon and Debra Olson. The company, which also operates as Olson Powersports, Big Time Powersports, Big Time ATV and Star Power cannot sell motor vehicles online or in person for five years as a result of surrendering their sales license. Additionally, consumers defrauded by the company may receive refunds distributed by the AG’s office.

The Better Business Bureau in Austin first warned consumers about The Family Exchange in September 2009 following several allegations of undelivered motor vehicles. Consumers complained to BBB that, despite paying in full for ATVs, dirt bikes and other motor vehicles, the company did not deliver products in the expected time frame, if at all. Additionally, consumers complained they were unable to reach the business with requests for refunds or repairs under the terms of their warranty agreements.

Over the past 36 months, BBB has processed 149 complaints against The Family Exchange from consumers in 39 states. 108 complaints were left unresolved or unanswered by the company. The value estimated by these consumers for their defective or undelivered products totaled nearly $110,000.

To see the BBB Business Review on The Family Exchange, go to http://www.bbb.org/central-texas/business-reviews/motorcycles-dealers/the-family-exchange-in-new-braunfels-tx-90008773

To read more about the final judgment against The Family Exchange, click here.

To check out a business, visit www.bbb.org.

Scam Lottery Email Claims to be from Facebook

10/19/2011

Posted on 10/19/2011 by

The Better Business Bureau warns that a bogus email supposedly from Mark Zuckerberg at Facebook is popping up in email inboxes. The scam email claims that the recipient is the winner of $1 million in “our 2011 Sweepstakes (Facebook Inc).”

The lottery emails are not from Facebook, and the BBB warns recipients not to click on the link in the email to claim the prize. One possibility: the link could lead to malware – harmful or malicious programs – being downloaded to the recipient’s computer. Or the recipient might receive an email reply from a scammer with instructions to wire thousands of dollars up front as some sort of fee to claim the non-existent prize.

The phony Facebook lottery email continues, “… your details(e-mail address) falls within our European representative office in Amsterdam, Holland, as indicated in your play coupon and your prize of US$1,000000 will be released to you from this regional branch office in England.”

Recipients are asked to click on a link to claim the prize, and are told to keep the information confidential: “For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you … ANY BREACH OF CONFIDENTIALITY ON THE PART OF THE WINNERS WILL RESULT TO DISQUALIFICATION.”

There are several red flags that the email is a scam:

· Businesses do not email consumers out of the blue to say consumers have won a lottery prize.

· The names of well-known businesses and individuals are often used in lottery scams to give the impression of a real lottery, even though there’s no connection to the named businesses or individuals.

· Prize winners would not be asked to click on a link in an unexpected email in order to claim a prize.

· The misspellings and poor grammar are signs that the email was not professionally prepared.

· The demand for confidentiality is a ploy to keep recipients from turning to someone they trust for advice, or checking with authorities.

Anyone who receives scam email can report the email to the Internet Crime Complaint Center, www.ic3.gov. Recipients may also want to forward bogus emails to the business that’s named in the email.

October is National Cyber Security Awareness Month, and BBB urges consumers and businesses to guard against online scams.

For tips on avoiding scams, see OnGuardOnline.gov at http://onguardonline.gov/topics/avoid-scams

Businesses can learn about protecting data by visiting Data Security – Made Simpler at http://www.bbb.org/data-security/

To learn about current scams, check out the BBB Scam Source at http://www.bbb.org/us/scam-source/

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.

BBB in Dallas Honored with Six National Awards for BBB Operations and BBB Accredited Business Development

10/11/2011

Posted on 10/11/2011 by

Dallas, TX, October 12, 2011 -- The Better Business Bureau (BBB) serving Dallas and Northeast Texas was honored with six awards for outstanding operations and BBB Accredited Business development on October 3, 2011, at the 41^st International Assembly of BBBs in Seattle, WA.

The awards recognize outstanding work by the BBB in Dallas in local advertising review promoting truth in advertising, investigations, special projects, and in BBB Accreditation of qualifying businesses. BBB Accredited Businesses must meet BBB standards and dues support the accreditation process as well as BBB services. BBB accreditation is revoked for BBB Accredited Businesses that do not continue to meet BBB standards.

The Outstanding BBB Awards recognize innovation and celebrate great ideas to help BBBs address challenges and work for continuous improvement. BBBs submit award entries outlining programs or projects and the results. A committee of BBB professionals selects the winners.

“The BBB in Dallas works to provide a marketplace built upon trust for the benefit of both consumers and businesses,” said Jay Newman, President and CEO of the BBB serving Dallas and Northeast Texas. “We look for businesses that uphold the BBB’s high standards to help consumers find businesses with good records to trust.”

The BBB in Dallas was recognized with these awards for operations:

Outstanding Local Advertising Review Program – BBB asks local advertisers to substantiate, modify or discontinue advertising to adhere to the BBB Code of Advertising. Most businesses comply, improving the public’s trust in local advertising. The BBB in Dallas closed 146 advertising review cases in 2010 and 102 cases to date in 2011. Submitted by David Beasley, Director of Trade Practice Investigations, and Phylissia Landix, Director of Advertising Review.

Outstanding Single Advertising Review Case – Following customer complaints alleging bait and switch, BBB anonymously shopped Suzuki Cars of McKinney. A TV news report on CBS 11, Dallas, covered the investigation. BBB referred details to the Texas Department of Motor Vehicles and a case is pending. The dealer is no longer operating under that name. Submitted by Phylissia Landix, Director of Advertising Review.

Outstanding Investigation – Thousands of consumers asked BBB about a multi-level marketing opportunity from Narc Technologies, Dallas. The business did not substantiate to the BBB that there were buyers for data that MLM participants were gathering. Several TV news stories covered the BBB’s investigation: NBC 5, Dallas-Fort Worth; Fox 4, Dallas-Fort Worth; Fox 5, Atlanta; and Fox 11, Los Angeles. The business is no longer operating. Submitted by David Beasley, Director of Trade Practice Investigations.

Outstanding Special Project – From 2008 through 2010, debt relief businesses were the subject of 178,655 requests for BBB Business Reviews and 2,417 complaints to the BBB in Dallas. Beginning in December, 2010, the BBB requested data and reviewed details of 90 debt relief businesses in the Dallas area for compliance with BBB standards and new Federal Trade Commission (FTC) Telemarketing Sales Rule provisions on debt relief businesses. BBB reviewed the data and in some cases requested additional information or met with businesses, then updated BBB Business Reviews with the findings. Submitted by Chris Burgess, VP, Chief Compliance Officer.

The BBB in Dallas received these awards for BBB Accreditation development:

Highest BBB Accreditation Development by a BBB – To recruit BBB Accredited Businesses, the BBB contacts businesses to tell about the BBB’s mission and services and offer the opportunity to apply for BBB accreditation. BBB Accredited Businesses are screened, approved, and monitored, and dues cover the costs of the accreditation process and make BBB services possible. The BBB’s Business Services team is led by Herb Pratt, Sr. VP of Marketing and Accreditation, and Jeremiah McClure, Inside Performance and Development Manager.

Highest BBB Accreditation Development by an Individual – Travis Boedicker, District Manager.

BBBs are local, independent non-profit organizations working for trust in the marketplace that are supported by businesses with good records. Services include BBB Business Reviews with information to help consumers check out businesses; lists of BBB Accredited Businesses; alerts and tips for consumers and businesses; customer complaint processing; and advertising review to promote truth in advertising. BBB services are free to the public, and are available for both BBB Accredited Businesses and non-accredited businesses alike.

The BBB Standards for Trust recognize good business practices for businesses in general and for BBB Accredited Businesses specifically:

Build Trust
Advertise Honestly
Tell the Truth
Be Transparent
Honor Promises
Be Responsive
Safeguard Privacy
Embody Integrity

In 2010, the BBB in Dallas provided 5,070,186 instances of service, including 2,386,995 web page visits, 1,955,713 requests for BBB Business Reviews, 35,272 complaints filed, and more.

To learn more, start at www.bbb.org.

BBB Warns: Latest Twitter Scam Spurs Curiosity

10/7/2011

Posted on 10/7/2011 by

You’ve heard the saying “Curiosity killed the cat.” Don’t let your curiosity get you in trouble when you receive an email that appears to be from one of your followers on Twitter.

BBB in Louisville, KY, recently received one of these emails. The email reads, “I saw a real bad blog about you, you seen this?” The message is followed by a link.

Face it. When you receive a message like this, you are inclined to click on it to see what is being said about you. However, in this case, DON’T CLICK ON THE LINK! If you click on the link, you are taken to what appears to be the Twitter login page. Then you are asked to provide your user name and password. But it’s not the real Twitter login page. If you look carefully at the address bar, you’ll notice that you are not actually at Twitter.com.

Chances are, the person you’re following on Twitter who appeared to send the message has already fallen for the scam, or their Twitter account has been compromised in another way.

Better Business Bureau offers these tips on what to do if you have fallen victim to this scam:

1. Change your Twitter password.

2. Verify that the email address for your Twitter account was not changed.

3. If you’ve used the same e-mail address and password on other web sites, then immediately check them out and change their passwords.

4. If your Twitter account is sending out phishing messages, you should also visit the Applications tab in “Account Settings”, and Revoke Access for any third-party application that you don’t recognize.

Remember, you should always be suspicious of links sent in emails or that are posted on social networking sites. If you are ever in doubt, don’t click! If you click, and the site asks for your personal information, don’t give it out!

For more consumer tips, start at www.bbb.org.

BBB Warns: Don't Fall for Scams Involving Death of Steve Jobs

10/6/2011

Posted on 10/6/2011 by

The world is mourning the death of Steve Jobs, founder and former CEO of Apple, and scammers are right there to take advantage of the bad news.

As always, the death of celebrity figures brings scammers out of the woodwork. Within hours of Jobs’ death, scammers started taking advantage of Facebook users.

One scam stated: “In memory of Steve, a company is giving out 50 ipads tonight. R.I.P. Steve Jobs” and is followed by a link. There are no free iPads being given out. The link took users instead to a page to complete online surveys. The provider of the website has since shut it down. Unfortunately, thousands of victims clicked on it before then.

This could be just the beginning of scams that will try to make money off of Jobs’ death. Better Business Bureau (BBB) warns to stay away from anything that looks questionable or sounds too-good-to-be-true. Be sure to limit your link-clicking to reputable websites that don’t claim they will give you something for free. Delete any emails that may seem too-good-to-be true.

The scammers’ goal is to drive more traffic to certain websites. Scammers gain by earning a commission for every survey completed, every product purchased, or every account compromised. Scammers also use bogus links to spread malware and obtain personal information.

If you see something questionable on Facebook, contact Facebook Security, http://www.facebook.com/security. Report scams that use the Internet or email to the Internet Crime Complaint Center, a law enforcement task force, at www.ic3.gov.

Don’t get hooked by a scam. Learn about scams and report scams to the BBB Scam Source at http://www.bbb.org/us/scam-source/.

Parents of College-Bound Teens Complain on Student Services, Inc.

10/3/2011

Posted on 10/3/2011 by

Dallas, TX, October 3, 2011 -- Parents of college-bound students are complaining to BBB that they’re being misled by one college admissions test preparation business. Not only are there scores of complaints about telephone sales by Student Services, Inc., 4343 Sigma Rd., Dallas, but also BBB files show that the CEO was an owner in two other businesses that generated many similar complaints.

In just 12 months since Student Services, Inc., was established, 98 complaints have been closed, and 31 of those complaints are unanswered by the business. An additional 9 complaints are pending. Student Services, Inc., has a BBB rating of F, the lowest rating possible, due to the complaint record.

Complaints from across the country allege that telemarketers for Student Services, Inc., call parents and misrepresent that students want to buy test prep CDs at $142.99 plus shipping, with a monthly Online Scholarship and Grant Assistance service at $24.95 a month. Parents say that after approving the purchase, they learn that students haven’t asked for the materials. According to complaints, the return policy is complicated and confusing, and parents aren’t able to get refunds.

“The BBB cautions parents to check out any offers for college test prep materials or scholarship and grant information services,” said Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas. “One business name might sound like another. Make sure you know who you’re dealing with, and check out businesses with the BBB. Determine whether materials would be helpful to your child, and look into community resources at your child’s school and the local library.”

The CEO of Student Services, Inc., Frances Stuart, was an owner of two businesses that also earned F ratings with the BBB:

The SAT and ACT Prep Center, Coppell, TX, was the subject of 126 complaints, with 89 unanswered. Following a lawsuit by the Texas Attorney General’s office, The SAT and ACT Prep Center signed an Agreed Final Judgment in October, 2010. The business agreed to pay restitution and attorneys fees, and to refrain from certain misrepresentations

The Student Resource Center, LLC, Dallas, TX, was named in 16 complaints, with 14 unanswered.

One father from Sharon, MA, complained on Student Services, Inc.: “They sold us the product under false pretenses. They told me over the phone when I asked how they got my child's name that she had requested the product through her school. Nothing could be further from the truth. My child knew nothing about the product or the company …”

He says trying to get a refund was challenging: “My wife has called any number of times to get a 'Return Authorization Number' but was placed on hold and hung up on. The company, of course, has our money and has absolutely no incentive to satisfy this customer.”

Student Services, Inc., offers some customers a “hardship price” of $43.99. The business stated in response to one complaint from Logan, UT: “We in turn gave him the option of returning the product or keeping the product for 43.99. That is the Hardship cost. We offer this price if the consumer can't afford the full purchase price.”

A mother in Bellevue, WA, said the sales pitch from Student Services, Inc., implied that the offer was from another business. “I can't tell you exactly the words they used, but it implied that they got my daughter's information from the PSAT's that she took, or some SAT material that she filled out and that she wanted information about how to be better prepared for the exams. (What student isn't going to mark that box?) Anyway, I assumed that this company had something to do with College Board who handles the SATs. I opened them recently and found that they had nothing to do with the College Board company that does the SAT's.”

Student Services, Inc., states on its website: ‘Nationally Recognized Nonprofit Organization.’ The status of the business is unclear. The business has registered as a non-profit corporation in Texas. However, it’s unknown whether Student Services, Inc., has applied for federal tax-exempt status as a non-profit organization, or which type of non-profit organization. Not all non-profit organizations are charities – there are other types of non-profit organizations.

To check out a business, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report misleading advertising, start at www.bbb.org.

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 116 BBBs serving the U.S. and Canada. 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. For more, start at www.bbb.org.

Texas Heat Taking a Toll on Dallas Area Home Foundations

9/30/2011

Posted on 9/30/2011 by

Extreme heat in Texas in 2011 is taking a toll on local homes. BBB in Dallas received more than 22,825 inquiries on foundation repair businesses since June, up 69% from this time last year.

Expansive soil in the Dallas and Northeast Texas area absorb water and can expand multiple times its normal size in wet conditions. When the soil dries, the shifting soil puts pressure on home foundations and can cause cracks and other foundation problems.

Commons signs of possible foundation issues are cracks in walls or bricks, doors and windows that don't close properly, visible cracks in the foundation or floor and displaced or cracked moldings.

If the foundation appears fine, help prevent future issues by keeping the soil around the house moist and keeping any landscaping alive. Plants with deep roots are part of the support system for the foundation and rotting roots can create voids in the soil underneath a home.

Better Business Bureau recommends the following tips for consumers in need of foundation repair:

• Check with your insurance company. Some homeowner’s policies will cover foundation repair, so check with your insurance company prior to signing a contract.

• Do your homework. Check with BBB before choosing a contractor. Get referrals, compare several price quotes, and always confirm the contact information of the contractor you choose. With the BBB's Request a Quote service, you can get quotes directly from BBB Accredited Businesses.

• Request an on-site inspection. So that you can be given an accurate estimate, have the company come to your house to inspect the damage.

• Beware of red flags. High pressure sales tactics, full upfront payment or low estimates that may potentially balloon over time or foreshadow shoddy work to come are all red flags to look out for.

• Ask about warranties. Warranties and workmanship are only as good as the company that stands behind them. Trustworthy businesses will offer information about how they plan to handle any repairs covered under warranty, particularly if they are coming in from another area.

• Review your contract. Be sure to read, understand, and agree with everything listed in your contract. Do not sign a contract that has blanks or if you don’t agree with something.

To check out a business, find BBB Accredited Businesses, or request a quote from a local BBB Accredited Business, start at www.bbb.org.

Jam Sports Marketing Customers Cry Foul

9/26/2011

Posted on 9/26/2011 by
A North Texas company’s alleged business practices have sports boosters across the country crying foul, according to complaints lodged with the Better Business Bureau of Fort Worth (BBB).

Jam Sports Marketing of Mansfield, Texas, has drawn dozens of complaints in recent years from business owners seeking to support sports teams from their local schools or colleges.

Jam Sports Marketing sells advertisement space on t-shirts, stadium seats, megaphones and other promotional items distributed at no cost to “parents, faculty and students,” the company says on its website. However, some business owners alleged in complaints that the items on which they bought advertisement space were never handed out. And others alleged items such as t-shirts promoting local football teams were distributed too late, sometime after the football season had ended.

Jam Sports Marketing has an “F” rating with the BBB, the lowest grade possible.

On its website, the company calls itself a “national leader in representing both schools and businesses at the local community level.” In addition, the company touts its services as “the most efficient, reliable way for schools to receive no cost spirit products as well as … a powerful marketing distribution vehicle that directly targets a large influential customer base of local businesses.”

Several of its customers disagree in complaints. And when some sought refunds for missing or delayed promotional items, they couldn’t reach a Jam Sports Marketing representative by phone, email or U.S. mail, according to complaints. Others who were promised refunds said their money was never returned.

Each advertisement costs between $150 and $950, according to complaints.

At least two colleges also have complained of possible trademark violations involving names and logos on Jam Sports Marketing products.

The BBB urges consumers to do their homework before doing business. One way to do so is through the BBB’s business reviews, which are offered on more than 3 million businesses and charities nationwide. The reports are available for free through the BBB’s website, www.bbb.org.

After the Storm, Use BBB to Find Trustworthy Contractors

9/20/2011

Posted on 9/20/2011 by

Fast-moving storms on Sunday night, September 18, 2011, hit several areas around Dallas and Northeast Texas with high winds and hail. Chances are, if your neighborhood has damaged roofs, fallen trees or limbs, downed fences, or other storm damage, you've already seen repair contractors looking for business.

The BBB can help you find trustworthy repair businesses. Turn to Better Business Bureau at www.bbb.org for information:

•   Click to Check Out a Business or Charity, to find the BBB Business Review with contact information, the BBB Rating and customer compalint history, if any.

• Look in the BBB Business Review to see if the business is BBB Accredited. BBB Accreditation means that the BBB checked licenses, references, advertising, time in business, complaint history, government actions, and owners or principals history. BBB Accredited Businesses agree to meet BBB Accreditation Standards, including upholding truth in advertising and being responsive to customer complaints.

•   Request a quote from a business using the link in many BBB Business Reviews on BBB Accredited Businesses. Your email request goes directly to that business.

•   Find businesses you can trust -- such as roofing contractors, tree services, and fence contractors -- in the BBB Acccredited Business Directory. Select a category, then link directly to request a quote from a business, go to the business's website, or see the BBB Business Review.

Foreign Sweepstakes Scam Uses BBB Name

9/20/2011

Posted on 9/20/2011 by

The Better Business Bureau (BBB) in Michigan has received consumer inquiries regarding a sweepstakes scam that is falsely using the BBB name. Consumers are receiving phone calls indicating they have won a lump sum amount of $3,500,000.00 U.S. dollars. But before funds are made available, the scammers require their victims to wire $25,000.00 U.S. dollars to cover insurance costs.

Consumers report that they were skeptical and asked for some sort of proof that they indeed have won the money. Their requests are answered with a faxed letter that appears to be from Bank of America and references the Better Business Bureau and the City of Las Vegas, Nevada. Included with the letter is a copy of a cashier’s check made out to the victim and appears to be drawn from Bank of America.

The letter states, “This is to certify that Better Business Bureau is being a customer with U.S. Bank. We <Bank of America> satisfactorily maintained an account with the current balance of $3,500,000.00 US DOLLARS, with a pending balance of $25,000.00 US Dollar for insurance before the funds is made available to (the victim’s name) attention through Bank of America.”

The letter goes on to say, “This letter has been issued for the purpose to show proof that we withhold the above sum of money mentioned.”

In an attempt to come off as legitimate, the letter copies and pastes logos for Bank of America, Better Business Bureau, and the City of Las Vegas, Nevada throughout and displays inaccurate return addresses for Bank of America, as well as the Council of Better Business Bureaus.

Bank of America, the City of Las Vegas, Nevada and the Better Business Bureau have absolutely no affiliation with this fraudulent operation and advise consumers to be extremely leery of letters, faxes, emails or phone calls telling them they’ve won prizes, lotteries or sweepstakes. If you get a call telling you that you are a winner, look for these red flags:

Remember lottery tickets must be purchased. Sweepstakes usually involve application paperwork that you have completed. Government grants have a thorough application process as well.
Don’t pay any money to collect supposed sweepstakes winnings. If you have to pay to collect your winnings, you’re not winning — you’re buying. Legitimate sweepstakes don’t require you to pay “insurance,” “taxes” or “shipping and handling charges” to collect your prize.
Hold on to your money. Scammers pressure people to wire money through commercial money transfer companies because wiring money is the same as sending cash. When the money’s gone, there’s very little chance of recovery. Likewise, resist any push from the caller to send a check or money order by overnight delivery or courier. Con artists recommend these services so they can get their hands on your money before you realize you’ve been cheated.
Remember that phone numbers can deceive. Internet technology allows con artists to disguise their area code so it looks like they’re calling from your local area. But they could be calling from anywhere in the world.
The name on the check does not match the name of the company or person the consumer is dealing with.
A lottery application or win announcement comes via telephone or mail from outside the country.
The letter, fax or email is full of grammatical and spelling errors.
The caller is pressuring for personal information.

While telemarketing is still a popular option for many businesses, there is a difference between lawful communication and telemarketing fraud. Criminals will pose as telemarketers in order to get your personal information or steal your money. Because it can be difficult to distinguish between the legitimate and the fraudulent, the Federal Trade Commission (FTC) provides the following tips to help recognize and report phone fraud:

Ask who is calling and why? – Telemarketers must provide this information. If they don’t, say “no thanks” and hang up the phone.
What is their hurry? – Fast talkers who use high pressure tactics could be hiding something. Take your time. Most legitimate businesses will give you time and written information about an offer before asking you to commit.
Why are they asking you to pay to win? –Question charges you need to pay to redeem a prize or gift. If you have to pay, it is a purchase and not a prize or gift.
Why am I “confirming” my account information or giving it out at all? – Some callers have your billing information before they call you. They are trying to get you to say “okay” so they claim you approve a charge. Scammers use this technique to get your personal and financial information.
What time is it? – The law allows telemarketers to only call between 8 a.m. and 9 p.m.
Register your phone number. – You can register your phone number with the National Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222.
Do I want more calls like this one? – If you don’t want a business to call you again, say so. If they call you back, they’re breaking the law.

To report phone fraud, visit www.ftc.gov or call 1-877-FTC-HELP. To report violations of the National Do Not Call Registry, visit www.donotcall.gov or call 1-888-382-1222.

For more information or to report suspicious solicitations, go to www.bbb.org.

BBB Challenges Window World of Dallas Advertising for $189 Windows

9/13/2011

Posted on 9/13/2011 by

Dallas, TX, September 13, 2011 -- When a product is advertised at one price and the ad says “some additional charges may apply,” it’s to be expected that most sales are at the advertised price and sometimes there are additional charges. But when an “additional charge” is almost always applied, then the higher price is the usual price.

The BBB in Dallas has challenged Window World of Dallas on its advertised claim of one price for windows because it appears that most sales include an “additional charge” for energy efficient windows as required in Texas.

"The BBB's role is to ask businesses to voluntarily adhere to standards for truth in advertising," said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas.

Window World of Dallas advertises, “Energy Efficient Premium Windows, $189*, Any size white vinyl, double hung window up to 4’x7’ installed, Solar Zone Low E (Add $45) to meet Texas Energy Regulations.” The asterisk refers to the statement, “*Some additional charges may apply.”

The Better Business Bureau noted that if Low E windows are required in Texas, then most windows sold by Window World of Dallas would cost $234, the total of $189 plus $45. The BBB was concerned that, even though the advertising discloses that “additional charges” may apply and that the cost for Low E windows is $45, the overall impression of the ad is that most windows cost $189.

The BBB Code of Advertising provides,

“An advertisement as a whole may be misleading although every sentence separately considered is literally true. Misrepresentation may result not only from direct statements but by omitting or obscuring a material fact.”

The BBB asked Window World of Dallas to substantiate or modify the advertising claim offering any size window installed for $189.

In response, the business stated that in Texas, Low E glass is not required in all windows. The business also maintained that the $45 additional charge is prominently disclosed. “The $45 upcharge for Low E is clearly not fine print, always in large font, directly below the $189,” Window World of Dallas said.

The business added that Window World franchises throughout the U.S. advertise the $189 price point, and said that only a few states require Low E windows. “We are known as ‘the 189 guys’,” he said.

The BBB learned that Texas requires Low E windows for replacement windows in air-conditioned rooms. The BBB was concerned that consumers might not understand from the ad that in Texas the $189 price would apply only to non-air conditioned rooms, and the $45 “upcharge” would be required for all air-conditioned rooms.

The BBB asked Window World of Dallas for the percentage of its Texas customers who purchased the $189 windows for non-air conditioned rooms such as storerooms, garages, or basements. The business has not provided the information and has not modified its advertising.

Window World of Dallas has a BBB rating of F, the lowest rating on a scale from A+ to F. The reason for the rating is failure to substantiate or modify the advertising claim for $189 windows. The business has not been the subject of customer complaint to the BBB.

The challenge was part of the BBB’s ongoing local advertising review program. The BBB identifies advertising claims that may be misleading and seeks cooperation from businesses to comply with the basic principles for truth in advertising in the BBB Code of Advertising. The BBB reviews advertising by both BBB Accredited Businesses and non-accredited businesses, and asks advertisers to either substantiate the claims, modify the claims, or discontinue the claims.

To read the BBB Business Review on Window World of Dallas, go to http://www.bbb.org/dallas/business-reviews/windows-installation-and-service/window-world-of-dallas-in-grand-prairie-tx-90314862

To learn more about BBB Advertising Review and the BBB Code of Advertising, see http://dallas.bbb.org/dallasadreview/

To report misleading advertising, visit http://www.dallas.bbb.org/submitad

Red Flag Warning on Wildfire Charity Appeals

9/8/2011

Posted on 9/8/2011 by

As hearts pour out in the heart of Texas, some will donate money, food, bedding and other much needed supplies to the families who lost everything in the historic Central Texas fires. While many are suffering, others will steal those well-intentioned donations and line their own pockets.

Better Business Bureau of Central Texas advises good Samaritans to give their money and items wisely after the recent wildfires that ravished Central Texas.

“Charities do very great things, especially in times of crisis. Unfortunately, there are a lot of people looking to take advantage,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “It’s important for people who want to give, to give wisely. Do your homework and make sure your money is going where you want it to — to the people who need it.”

When looking to donate to a charity, BBB suggests consumers check with the IRS to ensure the organization is registered as a 501(c)(3), ask exactly where their donations will go and choose an organization that has experience in the specific type of relief efforts they are claiming to undertake.

Donors should be especially wary of charities that claim to be associated with law enforcement or firefighters. The Federal Trade Commission cracked down on such organizations in 2009 because of rampant fraud, but the problem continues.

In the state of Texas, any organization claiming affiliation with law enforcement, public safety or veterans is required to register with the state, pay a fee and disclose the amount of money collected that actually goes toward their cause. Many organizations spend a high percentage of their collections on fundraising or administrative costs. Residents can check such organizations out on the Law Enforcement Telephone Solicitation Act database, and call the agency the charity claims to have an affiliation with.

Consumers can also visit the BBB Wise Giving Alliance at www.bbb.org/charity to view a charity’s complaint history and get more details about the organization before they donate.

When giving to a charity, BBB warns consumers to watch for these red flags:

· Lack of information. Someone soliciting for a charity should know details like the percentage of money that actually goes toward the cause, how long the charity has been doing business and the charity’s full name, address and telephone number. Be wary of solicitors who cannot or will not answer your questions.

· High-pressure sales. Charities are constantly in need of support. If a solicitor is pressuring you to donate immediately without allowing time to research the organization, reconsider your donation.

· Insistence on cash. You should be able to donate using a credit card or check, and get a receipt for your donation. However, do not provide your credit card information to an unsolicited caller. Go “off the call” and contact the organization directly using independently verified contact information.

· Avoidance of U.S. mail. If the organization offers to send a courier, use an overnight delivery service or tells you to wire money, walk away. No legitimate charities will use such means.

· Prizes. Some callers will insist you won a prize in a contest you never entered then solicit a donation. Such calls are always a scam.

· Similar names. Many scammers try to add legitimacy by using a name that is very close to a well-known and respected charity. Check the name closely and make sure you are giving to the right charity.

· Claims of association. Callers may claim their organization is associated with BBB or another trusted organization. Always verify such affiliations before giving money.

To check out a business or charity, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report false advertising, start at www.bbb.org.

BBB Issues Wildfire Preparedness Tips

9/8/2011

Posted on 9/8/2011 by

“Go upstairs and get everything you care about.”

An 8-year-old girl said she could not wrap her head around that order. That was years when a wildfire was making its way toward her home in California. Her family had minutes to decide what precious few items they could pack in the car and what would be left to face possible annihilation. She said she packed all her stuffed animals into a large garbage bag only to have to leave them behind when she discovered the bag was too heavy to carry.

Now a grown woman, the resident said such scenarios became old hat during her time in California. She knew to have a bag ready and an emergency plan in place. Once she moved to Central Texas, she thought such preparations were a thing of the past.

From January to August of this year, more than 3.5 million acres in Texas have been burned by wildfire, according to the Office of the Governor. The Insurance Information Institute reported that in 2009, only 753,261 acres burned due to wildfires.

A large fire has raged near Bastrop, and more fires blaze across Central Texas.

In light of the fires ravishing the area, Better Business Bureau in Central Texas is advising residents across Texas to have a plan, prepare their homes for a possible wildfire and check out any charities before giving money and items to help fire victims.

To help guide consumers preparing for future fires and looking to help those who have lost their homes, BBB offers the following advice:

· Have a plan. Know what you will do and where you will go should you have to evacuate. The American Red Cross and Federal Emergency Management Agency (FEMA) offer tips and materials to help residents plan for wildfires.

· Pack an emergency bag. Have a list of items you will take should you have to evacuate and have as many of them packed and ready to go as is feasible. FEMA compiled a list of important items to help people decide what they need to save in an emergency.

· Prepare your home. The Texas Forest Service recommends following the Ready, Set, Go! plan to help residents prepare their homes for wildfire.

· Protect important documents. BBB recommends consumers purchase a fire safe for important documents — such as passports, birth certificates, insurance contracts and photos — and precious items. Fire safes have ratings that indicate the level of protection they offer, and a higher rating generally means a higher price. Pick the model that is right for your needs.

· Catalogue valuables. Take pictures of your valuables and store them off-site or in a fire safe. This can help the insurance company assess the dollar amount for your losses. Even photos or video taken with a cell phone as you evacuate can be useful.

· Give wisely. Many families will not be able to recover without the assistance of others. However, when donating money or items, be sure you are working with a trustworthy organization.

- Find out where exactly your money and items will go. Does the charity add donations to a general fund or does it have a specific fund set up for fire victims?

- Make sure the charity has experience in relief efforts, especially wildfire damage. Not all disasters are the same and need to be handled differently.

- Visit www.irs.gov to verify that the charity exists and is registered as a 501(c)(3).

- For more tips from BBB on charitable giving, visit http://www.bbb.org/us/Charitable-Giving-Guide/

Phishing Scam Takes a Legal Twist

9/7/2011

Posted on 9/7/2011 by

Better Business Bureau in Austin, TX, warns against giving out personal information to unknown callers. Scammers are using the names of local law firms to trick victims into giving out bank information, credit card numbers and other private information.

Victims report receiving calls from individuals using a fake name and an untraceable phone number, who say they work with a local law firm.

The callers, who usually have a heavy accent, claim the firm is suing the victim on behalf of a payday loan provider. The caller goes on to say the victim defaulted on a loan and demands payment and other personal information. Victims may not remember taking out such a loan, but some cases have been linked to security breaches at financial institutions.

There are other variations of this scam. Callers pretend to be law enforcement or government officials collecting on a range of outstanding debts, from loans to traffic tickets. Should the potential victim refuse to pay, the scammers threaten anything from a lawsuit to arrest.

Hundreds of people around the country have reported falling victim to these types of scams. In order to protect your personal information, BBB offers the following tips:

· Demand proof. The caller should identify who they are and, upon request, provide you with a telephone number where you can speak to someone directly about the call. The caller should also have proof you incurred the debt.

· Avoid providing personal information. Do not provide or confirm any bank account, social security number, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.

· Report all suspicious behavior. File a complaint with BBB or the attorney general's office in your state. In Texas, contact the Texas Attorney General’s Office if the caller is abusive or uses threats.

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.dallas.bbb.org/us/bbb-news.

BBB Advice for Making “Golden” Gold Transactions

9/1/2011

Posted on 9/1/2011 by

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 Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “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.

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.dallas.bbb.org/us/bbb-news

Consumers Fume Over Dealings With Barco Trading

8/29/2011

Posted on 8/29/2011 by

Fort Worth, Texas, Aug. 29, 2011 – Some consumers are fuming over their dealings with a North Texas seller of all-terrain vehicles, mopeds, go-karts and scooters. The complaints to the Better Business Bureau in Fort Worth describe problems that consumers allegedly experienced after buying from Barco Trading, Santo, TX, via web sites such as eBay.

Managing members of the business appear to have been associated with the defunct ATVDiscounter.com. ATVDiscounters.com was sued by Texas Attorney General last year over what the lawsuit claimed were violations of the Texas Deceptive Trade Practices Act. In a settlement reached last summer, ATVDiscounters.com denied violating the Act but agreed to pay restitution.

The recent complaints allege problems with deliveries, product quality and warranties, similar to ATV Discounter.coma complaints. Some of Barco’s customers, for example, claim to have waited a month to receive their orders, even though Barco Trading advertised a four-to-seven-day delivery window. The customers also allege their payments were processed immediately and the company didn’t respond to questions about the status of their orders. At least one man claimed his order never arrived.

Complaints also indicate that Barco’s products arrived in poor condition. One woman contends her nearly $1,800 go-kart broke down each time it was used, and that Barco didn’t respond to any of her 36 phone calls to resolve the issue. Similar issues were reported by other customers.

Another man alleges a scooter he ordered had electrical problems and was not street legal as advertised. Subsequently, he claims that he gave Barco a negative review on eBay. In response, a Barco manager allegedly said that he would not authorize warranty issues if the customer did not change the review.

Another woman claims that a factory defect with her moped was supposed to be covered by Barco’s 30-day warranty; she indicates that she tried to get the defect fixed, but alleges that Barco gave “the repair man problems about payment.” After some back-and-forth, she indicated that payment was eventually made.

The BBB urges consumers to do their homework before buying, especially big-ticket items. Start at www.bbb.org to check out the BBB Business Review on a business.

After the Hurricane: Beware Fly-By-Night Storm Chasers and Fraudulent Charities

8/29/2011

Posted on 8/29/2011 by

Arlingotn, 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 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 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 Giving Alliance at www.bbb.org/charity.

Complaints Surge on Proud American Moving

8/24/2011

Posted on 8/24/2011 by

Complaints are surging to BBB about Proud American Moving, based in Dallas, TX. Just since June, 2011, some 22 complaints have been filed by customers who are worried and frustrated about cross-country moves. The complaints detail problems about delays in delivering household goods, missing or damaged items, unexpected price jumps, and difficulties in getting in touch with the business.

Of the 22 complaints, 9 have been closed with no answer from Proud American Moving. The other 13 complaints are in the process of being presented to the business for a reply, and will be included in the BBB Business Review when the complaints are closed. Complaints are from California, Colorado, Florida, Illinois, Louisiana, New Jersey, New York, Ohio, Pennsylvania, South Carolina and Texas.

Due to the unanswered complaints, Proud American Moving has a BBB rating of F, the lowest rating on a scale from A+ to F. The website for Proud American Moving shows an address of 1331 Regal Row, #100, Dallas. Recently the business furnished a new address at 3010 LBJ Frwy., 12th Floor, Dallas.

“Not only are customers reporting serioius problems, but also the complaints describe Proud American Moving’s repeated failure to address customers’ concerns when brought to its attention,” said Jeannette Kopko, spokesperson for Better Business Bureau serving Dallas and Northeast Texas. “This lack of responsiveness by the business makes it extremely difficult for consumers to cope with the delays in delivery and other problems.”

A man in Florida complained, “Proud American Moving provided me an original ‘binding’ quote of $1400 for relocation. The quote actually paid for, in total, amounted to over $5000. Furthermore, I have attempted to contact this company numerous times, was transferred to answering machines most of the time, *never* had my phone calls returned when I did leave voice mail messages urging a response on the issue of a trace on my expensive lost office chair and damages to my microwaves and the majority of my furniture.”

From College Station, Texas, a woman stated, “When I booked the service, I requested the delivery date … and they told me there will be no problem. But until today I haven't heard anything from them. I called the customer service more than 20 times but each time the machine automatically directed me to the voice message and said all representatives are busy … I could never find anyone to tell me where my furniture is now and when it is going to be delivered. I do not have furniture to use for almost a week and it is very inconvenient for me.”

A woman in Florida listed her problems with Proud American Moving: “We paid $5059 for a move that was originally quoted as $2466. We have more than $1500 in damaged, destroyed, or missing items. They subcontracted our move to another company without our knowledge or consent. Our delivery date was moved back by 10 days (and we did not know until the 9th day when or if we would ever see our belongings again). Promises on their website included: Disposal of trash. (They told me it was my responsibility). Personal moving consultant you can call at any time (they put me to voice mail or hung up). They failed to reassemble furniture they had disassembled. Damage to items. We were supposed to be contacted when they picked up our household goods, but did not. We only learned our stuff had been picked up by us calling our storage unit company.”

BBB accepts customer complaints and sends complaints to the business for a reply. Then BBB checks with the customer to see if the matter is resolved. Complaints are closed as resolved, unresolved, or unanswered. BBB Business Reviews on businesses include complaints closed during the last 36 months, the BBB's standard reporting period. BBB processes complaints on both BBB Accredited Businesses and non-accredited businesses.

To see the BBB Business Review on Proud American Moving, click on this link: http://www.bbb.org/dallas/business-reviews/moving-and-storage-company/proud-american-moving-in-dallas-tx-90343247

BBB offers these tips on selecting a moving company:

1. Get more than one estimate, and check out a business with the BBB at www.bbb.org. Remember that estimates can be binding or non-binding.

2. If the estimate is binding, it must be in writing and you should get a copy. Binding estimates guarantee the total cost of the move based on the quantities and services shown on the estimate.

3. If the estimate is non-binding, keep in mind that non-binding estimates are not always accurate, and actual charges may exceed the estimate.

4. With a non-binding estimate, confirm with the mover – in writing – the method of payment at delivery. Will you be asked for cash, certified check, cashier’s check, money order or credit card? Because the final price may be significantly more than the intial estmate, you need to be prepared to pay the full amount.

5. Be sure to understand the moving company’s liability. What is the coverage on any lost or damaged items? You may want to consider paying for additional coverage.

6. Before signing and making final payment, look over your goods to make sure everything has been delivered and to find any damage. Be sure to note any problems on the receipt.

State regulations vary on moving companies, and you may want to check in your state for information on in-state moving companies. For moves only within Texas, contact the Texas Department of Motor Vehicles:
www.txdmv.gov/protection/household_movers/movers.htm

To learn about “Red Flags” of rogue movers, for tips on choosing a reputable mover, or to file a complaint on moves from one state to another, contact the Federal Motor Carrier Safety Administration. Visit www.protectyourmove.gov/

To check out a business, find lists of BBB Accredited Businesses, see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

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 a bogus email that claims to be from Better Business Bureau (BBB). The email uses a fake BBB address (BBBupdate@post.com) in the Atlanta, GA, 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 BBB is not conducting a verification request nor is BBB 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 Source.

The Council of BBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

Tips on Selling Your Gold for Cash

8/16/2011

Posted on 8/16/2011 by

The price of gold is up 20% since the beginning of 2011, and by mid-August gold was going for over $1,700 per ounce. With record high levels being paid for gold, many people are cashing in by selling gold jewelry and other items.

Consumers have lots of options for selling gold, including local jewelers and pawn shops, gold parties in friends’ homes, pop-up events by traveling dealers, and mail-away gold buying services. No matter where you choose to sell gold, it’s important to know the value of your gold as well as the reliability of the business buying the gold.

In 2010, BBBs received 574 complaints on gold and silver dealers, and 416 complaints to date in 2011. Generally, complaints are concerning dissatisfaction with the amount offered for gold. With mail-away services, complaints also are about delays in receiving the check, or not getting gold items back when an offer is turned down, as well as difficulties getting in touch with the business.

The BBB offers tips for consumers to get the most for your gold and avoid problems:

· Keep up with the price of gold. Know how much gold is going for on the day you sell. This will help you know whether you’re being offered a fair price.

· Understand that you won’t get the full price for your gold, because you’re selling to a dealer who then will re-sell the items to be melted down. You may be offered anywhere from 50% on up of the value of the gold.

· Know the karat weight of your gold items. Jewelry and other items aren’t pure gold, but a mix of gold and other metals. The karat weight tells how much gold is in the item. Something marked 10K is about 42% gold; 14K is about 58% gold; and 18K is about 75% gold. The more gold in the item, the more you will be offered for it.

· Get two or three bids. Comparing offers from more than one buyer will help you determine the market value for your item.

· For items that may be valuable, consider getting a professional appraisal. You will have to pay for the appraisal, but you will gain important information.

· Some gold items might be worth more when sold as they are, rather than to be melted down. If that gold necklace or bracelet comes from a notable designer or maker, it might have a value to some buyers beyond the gold it’s made of.

· Know who you’re dealing with. Check out jewelry stores and gold buyers with Better Business Bureau at www.bbb.org. A BBB Business Review tells basic information about the business as well as any complaints and whether the complaints have been resolved when presented to the business by the BBB.

· When using a mail-away service, be sure to understand the terms and conditions. Send the items insured. Find out how long before you get the check, how long they will keep your gold before melting it down, and how many days you have to turn down the offer. Make a list and take photos of your items before sending, and if you send back the check to reject the offer, consider sending it certified.

To check out a business, find lists of BBB Accredited Businesses, see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

Prize Scammers Falsely Claim to Be with BBB

8/15/2011

Posted on 8/15/2011 by

Scammers are falsely claiming to be with BBB in phone calls claiming that consumers have won a prize in a lottery or sweepstakes. The scammers are asking consumers to pay anywhere from $250 to $350 upfront by wire to receive the prize.

The callers are not with BBB, and there's no prize. If the money is wired, it's lost.

One consumer told BBB in Dallas that she got a call from someone claiming to be with BBB, who told her that she won a large amount of money and to wire $500 to a Mr. White in Florida.

Another consumer said, "I was informed by a Mr. Young that I had won a large sum of money from a raffle drawing. He also said I have to Western Union 365 dollars. He also mentioned an agent Ms. Walker and Mr. Moore coming to my house."

"The BBB doesn't make any calls about winning prizes," said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. "The scammers are using the BBB name to try to gain some credibility. Don't fall for it, and don't wire money upfront to anyone you don't know."

BBB offers these tips on prize schemes:

• If you've really won a prize, you don't have to pay anything in advance -- not a penny for taxes, fees, or anything else. It's illegal to charge upfront for a prize.

• If anyone claims you've won a prize, been awarded a grant, or makes some other alluring offer but wants you to send hundreds or thousands of dollars in advance by wire, don't do it. Scammers like to use this method of payment because once the money is wired, it's in their hands and it's almost impossible for the victim to get it back.

• If you get a call or email about wiring money upfront, just ignore it. If you've actually lost money to a prize scheme, report it to your local police department and to the Federal Trade Commission (FTC) at www.ftc.gov.

For more tips on avoiding scams, see BBB's Scam Source at
http://www.dallas.bbb.org/scam-source/

For more on phone fraud, see FTC's "Who's Calling? Recognize and Report Phone Fraud" at http://www.ftc.gov/bcp/edu/microsites/phonefraud/index.shtml

Back to School Shopping Tips for the Tax-Free Holiday

8/15/2011

Posted on 8/15/2011 by

The 13th annual Texas Sales Tax Holiday, or Tax-Free Weekend, begins Friday, August 19, 2011, and runs through Sunday, August 21, 2011. Consumers can expect to save approximately $8 for every $100 they spend on most clothing, footwear and school supplies priced less than $100. A full list of items that qualify can be found on the Texas Comptroller’s website here.

According to Texas Comptroller Susan Combs, Texas expects shoppers to save $62.1 million this weekend on tax-exempt items. Many stores will be open extended hours and offer additional back-to-school sales to help consumers take advantage of this once-a-year tax-free event. Better Business Bureau advises consumers to plan ahead, stick to a budget and pay close attention to advertisements to make the most of this weekend’s deals.

Safe Shopping Tips:

Take inventory. Before hitting the stores, take inventory of items you already have. You may have leftover supplies from the previous school year. Look around the house for reusable items such as backpacks, lunchboxes, calculators and rulers.

Set a budget. Decide how much you are willing to spend per person a few days in advance. Include children in the process of creating the budget to teach them responsible money management.

“Back-to-School Sale” doesn’t mean tax-free. Retail stores may advertise back-to-school sales because they know consumers are buying items for the upcoming school year. Certain discounts will still have taxes applied to them unless the item appears on the state comptroller’s tax-free list.

Shop with a list. After taking inventory, create a shopping list and stick to it. This will help you stick to your budget, avoid costly impulse purchases and ensure nothing is forgotten.

Know what your child’s school allows. Schools will often provide parents with a list of required items for the school year which can help determine what you need to purchase. These lists are also available at many retail stores and on school websites. Additionally, many schools have specific dress codes, so keep these restrictions in mind before spending money on clothes the school may not allow.

Check for refund and exchange policies. Be sure you can exchange or return items purchased during this time period. Keep in mind some items may be non-refundable or have restocking fees associated with a return.

To check out a business, find BBB Accredited Businesses. see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

Warning on Business Offering Help with Immigration

8/11/2011

Posted on 8/11/2011 by

CHICAGO, IL- August 10, 2011 - The Better Business Bureau serving Chicago and northern Illinois (BBB) is warning consumers to beware of websites and businesses claiming to provide assistance with immigration services. The BBB recently became aware of an increase in operations claiming to provide passport, citizenship and immigration services, in particular United States Immigration Organization at the website www.usaimmigrationsupport.com.

In July alone, the BBB received 32 complaints filed by consumers which eclipses the number of complaints on this business for all other months this year. The BBB has a total of 46 complaints since January 2011 when consumers began contacting the BBB in earnest with their concerns.

In 24 of those complaints, consumers allege US Immigration Organization, the business that operates the website www.usaimmigrationsupport.com, misrepresented itself as a government entity. The BBB has turned this information over to Illinois Attorney General Lisa Madigan’s office for review due to the increasing number of complaints being received.

See the BBB Business Review on US Immigration Organization at http://www.bbb.org/chicago/business-reviews/immigration-and-naturalization-consultants/united-states-citizenship-and-immigration-services-in-chicago-il-88375539

“Immigrants who may speak little to no English can easily fall prey to unscrupulous businesses,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. “Businesses are willing to take advantage of anything from a language barrier to someone who is short on time, and scam innocent people out of their money.”

“Consumers have spent anywhere from $75 to hundreds of dollars on these services, thinking they were receiving official assistance with their passport, visa, and naturalization applications”, Bernas noted. “In return, they received only the applications that are free and easily accessible through the federal government.

"It is very important for people to fully read and understand any website and its disclaimers before doing businesses on it," Bernas stated. "This is particularly necessary when a person is seeking assistance involving personal identification or government programs. There are operations whose intent is to deceive people into thinking the business is something it is not, so people send money and the business also gains access to information about their identities."

Joe Moffa of Oakbrook, Ill., found US Immigration Organization during a search online. He says, “The site looked official; I thought it was a government site. I filled out the form and it asked for $149. I supplied my checking account number and bank routing number. The form said I would get something in a week or two. I did not get anything but when I got my bank statement it showed they had taken the $149 from my account. I tried to call them but could not get through to anyone.”

In the wake of similar activities around the country, the Federal Trade Commission (FTC) has created multi-lingual educational materials for consumers. These tools can help educate consumers to avoid immigration scams and provide the means to file FTC complaints and report suspected scams or fraud. See www.ftc.gov.

The BBB offers tips to individuals looking to obtain legal status in the U.S. while avoiding common scams:

· Never sign blank documents that may contain inaccurate information.

· Always retain your original documents and only provide photocopies if necessary.

· Do not make online payments or send money to someone who is not a licensed attorney.

· Make copies of every document you prepare, submit and keep for your own records.

· Request a receipt as proof of payment.

· Check the state bar association in your state for licensed attorneys who provide immigration services.

For more advice on fighting fraud and finding businesses and organizations you can trust, visit www.bbb.org

Online Furniture Company Builds Bad Reputation Faster than Furniture

8/10/2011

Posted on 8/10/2011 by

The convenience of ordering custom made furniture online from a Zanesville, Ohio, furniture company may seem appealing to consumers. But a pattern of complaints to the BBB has built up over the non-delivery of merchandise, lengthy shipping delays and poor customer service.

Just Primitive LLC, a family-owned rustic furniture builder, has an F rating with BBB due to twelve unanswered and unresolved complaints.

Consumers from eleven states including CT, CO, IL, IN, OH, MA, NY, NJ, PA, TX, and WI, have asked for assistance from BBB with a variety of complaints against the company, including: delivery delays, non-delivery of products, incorrect shipping charges, and order fulfillment errors.

A woman from New York stated that “after waiting for 10 months, and paying $200 more for shipping than I was quoted, I received the farm stools. Shortly after, I noticed small piles of sawdust under the stools and have come to find the stools have termites in them.”

“ My order was not shipped in any box and I was told by Justin the owner it is too expensive to ship in boxes which is the reason my order came damaged.”, said a woman from Wisconsin.

A woman from Illinois described her frustration at the company’s lack of response, stating “I ordered a back star box in the amount of $65 which was immediately charged to my credit card; however I have never received the box or a response from this company.”

Better Business Bureau serving Central Ohio has recorded thirteen complaints against Just Primitive since opening the file one year ago. The company has failed to respond to twelve of the thirteen complaints, which BBB believes points to an underlying pattern of problems. BBB files reflect that consumers paid $6,000 for merchandise they have not received.

“We have been monitoring this company for some time, and attempting to work with them to help them understand the importance of building good business relations,” said Joan Coughlin Konrad, spokesperson for the BBB in Columbus, OH. “The company has continued to ignore its customers’ and BBB’s requests to resolve consumer disputes.”

Consumers should be aware that according to the Ohio Consumer Sales Practices Act, "it shall be a deceptive act or practice to accept money from a consumer for goods ordered and then permit eight weeks to elapse without: making shipment or delivery of the goods, making a full refund, advising the consumer of the duration of an extended delay and offering to send the consumer a refund within two weeks if the consumer requests it or furnishing similar goods of equal or greater value as a good faith substitute if the consumer agrees."

Many customers paid through PayPal or their credit card and have been advised to file a dispute with their credit card or PayPal if eight weeks have passed and the merchandise has not been received.

To check out a business, find BBB Accredited Businesses, see tips and alerts, report questionable advertising, or file a customer complaint, visit www.bbb.org.

BBB Challenges Advertising Claims by EvolvHealth

8/9/2011

Posted on 8/9/2011 by

UPDATE: On October 14, 2011, Evolv Health provided an additional study for the BBB to evaluate. BBB Business Reviews are subject to change at any time. For the current BBB Business Review on EvolvHealth, LLC, see http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/evolvhealth-in-dallas-tx-90234590

Dallas, TX, August 16, 2011-- EvolvHealth, LLC, a Dallas-based multi-level marketer of bottled water and other products, has failed to substantiate claims about its products when challenged by the BBB. The business responded to the BBB and discontinued some claims on its website, but did not provide sufficient substantiation for other claims. Some of the claims removed from the website remain in online videos, in testimonials, and in other materials.

The BBB challenged claims for Evolv Water, Evolv Thin, and other products. EvolvHealth claims that Evolv Water is enhanced by a process which the business calls Archaea Active.

In response to the Better Business Bureau’s request for substantiation, EvolvHealth provided a study that failed to provide crucial information supporting the study's statistical significance. In addition, one of the study’s findings directly contradicts one of the business’s cornerstone marketing claims. EvolvHealth claims that Evolv Water with Archaea Active “increases oxygen at the molecular level”, but the study of Archaea Active found that “blood levels of oxygen were statistically unchanged.”

The challenge was part of the BBB’s ongoing local advertising review program. The BBB identifies advertising claims that may be misleading and seeks cooperation from businesses to comply with the basic principles for truth in advertising in the BBB Code of Advertising. The BBB asks businesses either to substantiate the claims, modify the claims, or discontinue the claims.

“Consumers reasonably expect that advertisers are able to show an adequate basis for claims made about products, and businesses should have substantiation in hand before the advertising appears,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “But when a business is not able to show sufficient substantiation for those claims, the BBB’s role is to ask the business to voluntarily modify or cease using those claims.”

In addition to bottled water, EvolvHealh also sells carbonated drinks, shake mixes, vitamins and a topical gel. The business has a BBB rating of F, the lowest rating possible, due to failure to provide substantiation for advertising claims.

In May, 2011, the Better Business Bureau serving Dallas and Northeast Texas requested substantiation for the following claims:

“[Evolv Water] increases the bioavailability of oxygen at the cellular level, as well as assists the body in maintaining a healthy inflammatory response.”

“The THIN proprietary blend improves mental clarity, reaction time, concentration and alertness too.”

“Liquid suspension … is now known to be the most effective method for delivering nutrients to the bloodstream.”

“Evolv Gel soothes sore muscles and reduces the appearance of redness.”

The BBB Code of Advertising states that “claims as to energy savings, performance, safety, efficacy, results, etc., which will be obtained by or realized from a particular product or service should be based on recent and competent scientific, engineering, or other objective data.”

In response to the BBB, EvolvHealth agreed to discontinue the claims regarding “liquid suspension” and its “Evolv Gel”, noting that it had insufficient evidence to support those claims.

In addition, the business provided three studies which it believed would substantiate its claims regarding its Evolv Water and Evolv Thin products.

However, after reviewing the materials, the BBB determined that the studies were insufficient to substantiate the product claims in question. The BBB called into question the statistical significance, methodology, and conclusions of the studies.

As of July 21, the company has failed to substantiate the remaining advertising claims.

EvolvHealth has been the subject of four complaints from distributors in Missouri, North Carolina, Texas, and Utah, seeking refunds under the cancellation policy. These complaints have been answered and resolved by the business.

To read the BBB Business Review on EvolvHealth, LLC, go to http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/evolvhealth-in-dallas-tx-90234590

To learn more about BBB Advertising Review and the BBB Code of Advertising, see http://dallas.bbb.org/dallasadreview/

To report misleading advertising, visit http://www.dallas.bbb.org/submitad

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 122 BBBs serving the U.S. and Canada. 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. For more, start at www.bbb.org.

In the News -- Avoid Air Conditioning Repair Scams

8/4/2011

Posted on 8/4/2011 by

Don't get burned if you're looking for quick air conditioning repair service in this heat wave. Sergio Alvarado of KXTX-TV, Telemundo Dallas, tells consumers how to check out A/C repair services.

Jeannette Kopko of the BBB serving Dallas and Northeast Texas advises the do's and dont's of choosing an air conditioning repair service, and lists red flags of an A/C scam.

See the story at this link:
http://www.telemundodallas.com/video/28763733/index.html

To check out a business with Better Business Bureau, find lists of BBB Accredited Businesses, see alerts and tips, report misleading advertising, or file a customer complaint, start at www.bbb.org.

BBB Warns About Advance Fee Loan Scam

8/3/2011

Posted on 8/3/2011 by

The Better Business Bureau in Halifax, Nova Scotia, Canada, has received complaints and numerous inquiries about a business called Atlantic Credit Group, which claims to provide consumer and business loans. Although the business claims to be located in Halifax, Nova Scotia, the BBB has been unable to locate the business. Neither has the BBB been able to verify a business registration in the province using that name.

Consumers have advised BBB that they found ads online offering loans for any purpose. Consumers were asked to fill out a detailed form with personal and financial information and were told immediately that they were approved for a loan and the money would be in their bank account within 48 to 72 hours. Even though the website for Atlantic Credit Group says that there are no application fees or upfront fees, consumers are telling BBB that this is not true.

Upon approval the consumer is asked to wire an “insurance fee” to the company. Once that fee is received consumers are told that they have to provide an “administration fee” or money for taxes. In total, consumers sent hundreds of dollars for a loan that they did not receive in the end.

Signs of an advance fee loan scam:

You are guaranteed a loan, without providing financial information, even if you have no credit, bad credit or are going through or have been bankrupt.

You are guaranteed a loan even if local legitimate lending institutions have refused you.

Upfront fees are not disclosed.

You are asked to wire money to the company to pay an upfront fee for insurance, administration or legal fees.

The company pressures you to send the money right away.

As a precaution, do not provide any personal or financial information to any unknown firm, over the Internet or telephone. Always check with the BBB before doing business with any firm.

To see the BBB Business Review on Atlantic Credit Group, click here
http://www.bbb.org/maritime-provinces/business-reviews/advance-fee-brokers/atlantic-credit-group-in-halifax-ns-27447

If you feel that you have been a victim of an advance fee loan scam, file a complaint with the BBB at www.bbb.org.

Internet scams also can be reported to Internet Crime Complaint Center, www.ic3.gov.

For more tips to avoid scams, start at http://dallas.bbb.org/Consumer-Tips/

Grandparent Scam Has a New Twist

8/3/2011

Posted on 8/3/2011 by

The Better Business Bureau in Fresno, CA, warns about a new twist on the grandparent scam that involves the caller already knowing detailed information regarding family members. In addition, the calls are not targeted strictly at seniors and the money requested is to be wired to Mexico.

At least six complaints from victims in the Central Valley area of California have been received in the last two weeks.

The original scam generally worked like this -- the grandparent receives a distressed phone call from someone who claims to be their grandchild. The supposed grandchild typically explains that they are travelling in Canada and have been arrested or involved in an auto accident and need the grandparent to wire money to post bail or pay for damages — usually amounting to a few thousand dollars.

The scammers’ basic tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks. For example, the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

Now callers area identifying themselves by the specific name of a particular family member. Callers claim they are being held in jail in Mexico and they need bail money to be wired immediately.

The scammers lace the conversation with correct references by name to other family members, strengthening their credibility. One caller even knew that the real person being impersonated had a twin who was born 2 minutes earlier.

The victims are not related and reside in different communities throughout the Central Valley area in California. Law enforcement officials contacted by the BBB are not certain how perpetrators are obtaining the inside knowledge or phone numbers for victims.

To protect against this scam, and other scams that may use a distressed loved-one tactic, BBB is advising people to remain calm and confirm the status of the individual by calling them back directly or verifying the story with other family members before taking any further action. Developing a secret code that is known only within the family is also recommended.

The BBB also encourages people to limit the amount of personal information shared on social media sites and to only “friend” people they personally know themselves.

Anyone who has lost money to this scam is encouraged to report it to their local BBB and to their local police department.

In Texas, anyone who believes they have been the target of a scam should contact the Office of the Attorney General at (800) 252-8011 or online at www.texasattorneygeneral.gov.

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 Better Business Bureau.

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.

To see the BBB Business Review on OnlineBusinessScams.com, click on this link
http://www.bbb.org/phoenix/business-reviews/reloader-schemes/onlinebusinessscams-com-in-phoenix-az-1000016791/

BBB wishes to remind all consumers that its 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.

In the News -- Save on Your Electric Bill

7/29/2011

Posted on 7/29/2011 by

During this heat wave, North Texas residents are looking for relief from high electric bills, reports Jason Allen of CBS11-TV, Dallas-Fort Worth.

"Business strategists say the answer may be in switching service providers, but it takes a lot of work to make it pay off," he said.

“It really comes down to you educating yourself and clearly understanding what it is you’re paying for,” said Julie Ann Lyssy at the Fort Worth Better Business Bureau.

"Once you find a rate you can commit to, go shopping again on other websites," Jason Allen noted. "The same plan is often offered at different rates, just like an airline ticket price varies between travel sites."

There may be a cancellation fee to switch from one provider to another. Jeannette Kopko at the Dallas Better Business Bureau said it may be worth paying if your new rate is significantly lower than the one you’re currently paying.

If after all your research you find out your current plan is the best one out there, you might still save money, Kopko said, if you just ask.

Some companies may match an advertised rate of a competitor, or do even better in order to keep you as a customer.

To see the story, click here http://dfw.cbslocal.com/2011/07/28/a-little-energy-may-save-you-on-your-electric-bill/

To check out a business, find BBB Accredited Businesses, see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

In the News -- Check Out Foundation Repair Services

7/29/2011

Posted on 7/29/2011 by

Houses in the Dallas and Northeast Texas are suffering in this extreme heat wave, reports Susy Solis of NBC5-TV, Dallas-Fort Worth.

"The extreme heat across North Texas is causing the foundations of homes to shift," she reports. "Hundreds of homeowners are seeing cracks in their foundation, drywall and on the exterior bricks of their home.

One foundation repair business suggests watering near the foundation of the home every other day for about an hour with soaker hoses to help prevent shifting from occurring.

"The Better Business Bureau suggests you get estimates from several foundation repair companies before making a decision," the reporter added.

To see the story, click on this link http://www.nbcdfw.com/weather/stories/Home-Foundations-Shift-In-Extreme-Heat-126359613.html

To check out a business, find BBB Accredited Businesses, see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

ProGear Camera & Camcorder Repair Not Giving the Full Picture

7/28/2011

Posted on 7/28/2011 by

Little Rock, AR., July 28, 2011 – The Better Business Bureau (BBB) warns that ProGear Camera & Camcorder Repair, Fayetteville, AR, is facing a growing number of customer complaints alleging that after cameras and camcorders were sent to the company for repair, there's been no return communications from the company. Now the business says it is going out of business.

The BBB advises consumers to think twice before sending their items for repair to ProGear Camera & Camcorder Repair, located in Fayetteville, AR. The business has an “F” rating with the BBB, the lowest rating possible.

A July 28, report on ProGear Camera & Camcorder Repair showed the BBB had received 10 complaints involving the business in the past three years. All 10 complaints were filed within the past 12 months. The report showed that 8 of the complaints designated as serious. ProGear Camera & Camcorder Repair did not respond to 7 of those complaints. 5 complaints are currently pending.

Most of the complainants allege failure to return items sent for repair and difficulty contacting the company.

BBB also has complaints on Century Photo. From April 1, 2011 to July 28 of this year, the BBB received complaints against Century Photo from the following 11 states:

Arkansas

New Hampshire

Florida

Indiana (3)

California (2)

Texas (2)

New Jersey

North Carolina

Maryland

Virginia (2)

Missouri

On June 22, 2011, the BBB discovered a new website operated by the same company, www.progearaudiorepair.com. Through the new site, the company is offering repair service for audio equipment.

Trey Holland, Owner of ProGear Camera and Camcorder Repair, advised the BBB on June 27, 2011, that the company is going out of business "because of the problems in Japan, we can't get parts, and the economy here." Mr. Holland also stated the company is sending consumers' items back to them either repaired or not repaired. If not repaired, the consumer's money is being returned also.

Janet Robb, President/CEO Better Business Bureau of Arkansas said, “For customer service to deteriorate so quickly and so completely in a matter of months is a concern. Also, the supply issues the company claims to be experiencing should not impact their customer communications.”

On July 18, 2011, the BBB noted the following information posted only on the website www.progearcamerarepair.com (but NOT on the new website www.progearaudiorepair.com).

“Unfortunately, due to the current economic climate and difficulties we are experiencing with our suppliers, ProGear Camera & Camcorder, Inc. is forced to close our doors. All clients who currently have equipment in for repairs will either receive your equipment fully repaired (with the 6 month warranty as promised) or will receive your equipment back as is along with any money you may have paid fully refunded. Whether our situation is temporary or permanent is yet to be determined. We apologize for any inconvenience.”

Both websites are registered to Trey Holland, Owner of Pro Gear Camera Repair.

BBB recommends that you always check out any business before doing business with them.

Visit www.bbb.org and Start with Trust.

Complaints on Non-Delivery of Dr. Bass Speaker Cabinets

7/27/2011

Posted on 7/27/2011 by

Conway, SC, July 27, 2011 – The Better Business Bureau of Coastal Carolina is issuing a nationwide alert to consumers regarding Dr. Bass, LLC, an online store that sells custom built speaker cabinets based out of Myrtle Beach, South Carolina. The BBB has received 39 complaints against Dr. Bass since October of 2008, the majority of which allege that products are not being received.

Consumers are purchasing products on the Dr. Bass website, paying for them in full, but either never received the product or they are sent a completely different product than what was ordered. Out of the total number of complaints BBB has processed, 28 have gone unanswered by the business. These complaints are from SC, NC, CA, CO, NY, TX, WI, VA, FL, HI, OR, MO, MD, and Puerto Rico.

Dr. Bass, LLC, has a BBB rating of F, due to the record of unanswered customer complaints. View the BBB Business Review on Dr. Bass, LLC, at http://www.bbb.org/myrtle-beach/business-reviews/speakers-wholesale-and-manufacturers/dr-bass-in-myrtle-beach-sc-90013775

The South Carolina Department of Consumer Affairs office has also received 13 complaints about Dr. Bass that have gone unanswered.

“Sometimes we see this sort of thing when an internet-based business gets too big to handle”, said Kathy Graham, President/CEO of the Better Business Bureau of Coastal Carolina, Inc. “The appropriate action would be for Dr. Bass to respond to consumer concerns and let the BBB work with them to help resolve the issues”. Graham continued, “Since Dr. Bass has chosen to not respond to their unhappy customers, they leave the impression of being just another scam, and that leaves a lot of frustrated and angry consumers out there with no relief in sight”.

The BBB offers the following tips for consumers to protect themselves when purchasing over the Internet:

Verify the company’s contact information (name, address, phone numbers) before you give out any personal information.
Read the terms and conditions carefully. If you don’t understand them, ask. If you are unable to get a suitable response, don’t do business with the company.
Use a credit card for your purchase instead of a debit card. Debit cards take money out of your checking account, immediately.
If a pop-up appears after purchasing an item, read the box carefully to see how you can close it out without agreeing to a purchase.

To check out a business, find BBB Accredited Businesses, see tips and alerts, report misleading advertising, or file a customer complaint, start at www.bbb.org.

In the News -- BBB Advice on Air Conditioner Repair

7/27/2011

Posted on 7/27/2011 by

From WBAP-AM, Dallas-Fort Worth

Dallas (WBAP) - The Better Business Bureau is offering advice for north Texans who may need their air conditioners repaired during the hottest part of the summer.

The BBB says patience and research can be the keys to a successful repair.

"With this heat wave, you might be in a rush, you might try to call companies and they're already booked," says the organization's Jeanette Kopko. "But any time there's high pressure from any company, that's a sign to be more careful."

Kopko says customers should be especially aware of companies that expect payment up front or solicit business door-to-door.

"They know what to say and how to say it," she says. "They might say things like, 'I just finished a job for so-and-so down the street' when they really didn't. But they did talk to that person and got their name, and now they're dropping that name to give the impression they're reliable."

The Better Business Bureau has issued a list of 17 companies with "F" ratings for failing to respond or resolve customers' complaints:

4 T Heating & Air Conditioning, 3884 Lois Rd E., Sanger

AAA 1 Air Systems, 4287 Belt Line Rd., #139, Addison

All Texas Air Conditioning & Heating, 911 Carlsbad Dr., Mesquite

American Air Systems, 2305 Northumberland, Garland

Arctic Air, 305 Mable Ave., Princeton

Carterâ€™s A/C & Heating, 207 N. Elm Street, Lancaster

Dallas Mechanical Air Systems, 5629 Yale Blvd., Dallas

Gary Wiggins, 702 Scepter Circle, Garland

Lumart, 11126 Shady Trail, Suite 115, Dallas

Mac Doza, 1902 Garrison Way, Garland

Mr. AC, 735 Treehouse Ln., Red Oak

North Dallas Services, P.O. Box 542525, Dallas

Pleasant Valley Air, LLC, 2214 S. Jupiter Rd., Suite 270, Garland

Ronâ€™s Service Company, 701 Keen Dr., Suite 7, Garland

Santoy Mechanical Service, 4111 US Hwy. 80, #205, Mesquite

Texas Air, 5102 Palomino Ln., Garland

Worthing Heating & Air Conditioning, 806 W. Coffin St., Denison

Alan Scaia, WBAP 24/7 News

See this story at http://wbap.com/Article.asp?id=2246656&spid=

To check out a business, start at www.bbb.org.

Alert to Business -- Complaints on Signature Sports

7/26/2011

Posted on 7/26/2011 by

As the next school year approaches, the Better Business Bureau warns businesses to beware of phone calls and invoices in the mail from Signature Sports, Dallas. The business claims to publish high school sports posters with advertising by businesses in the high school’s area. But businesses across the country are complaining to the BBB about misrepresentation of the offer, failure to produce advertising, and unauthorized bills for advertising. Businesses paid from $89.50 to $278 for the ads.

Signature Sports, 2633 McKinney Ave. #130-308, Dallas, has a BBB rating of F, the lowest rating possible. The F rating is due to 8 complaints since January, 2010, that remain unanswered by the business. Complaints are from Arizona, Colorado, Florida, Hawaii, Massachusetts, New York, North Carolina, Oklahoma, and Texas. View the BBB Business Review on Signature Sports at http://www.bbb.org/dallas/business-reviews/advertising-specialties/signature-sports-in-dallas-tx-90237452

Several complaints say that although Signature Sports implies that the sports posters are somehow associated with a local school, the schools say they have no such arrangement with Signature Sports.

“Business owners who want to show their support for local school teams, and get good value for their advertising dollars, are being taken advantage of by Signature Sports,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “The BBB advises businesses who are approached for any advertising offer tied into a local school or team to verify that the offer is authorized.”

An invoice received by one business is headed with a local high school name and “2011 Fall Sports Poster”. The invoice asks, “Please remit business card or ad copy ASAP so we can meet our printing deadline … [If not] we will create an ad for you and place it on our publication.”

Only in the fine print at the bottom of Signature Sports' invoice does this disclaimer appear: “Company is not affiliated with any school.”

A restaurant owner in New Braunfels, TX, reported: “We were billed for advertising on a local high school poster. I asked to see the poster once it was done and was promised a copy. We never saw the poster and never approved any ad … Once we realized there was never a product that we have seen or that the school has no idea who this company is, we have refused to pay their invoices.”

In another complaint, a Massachusetts dentist stated, “I recently bought a dental practice, and started getting mail requesting payment for an advertisement I did not place,” says a complaint from Massachusetts. “The bills implied that the service had already been rendered, but on closer inspection, smaller print implied that a copy or layout needed to accompany the payment to proceed … The bills implied that this ad was for some publication affiliated with a local high school, but when I called, no one at the school was familiar with the company.”

A psychologist in Florida complained, “I received a solicitation by phone for advertisements at Leesburg High School. I told them I need to think about it and would get back in touch with them, and I started receiving bills and collection notices. I called them several times and told them nothing was ever approved or authorized or signed. But they do not return my calls.”

From Colorado, a new car dealer stated: “We received an invoice from this company for $199 to endorse a spring sports poster for a local high school. They ask for payment and a business card. We contacted the high school, and they do not endorse nor have any knowledge of this company and do not benefit directly from this ad."

BBB advises businesses who are approached for advertising on items such as school sports posters to check out the offer with the school before proceeding. All too often, there’s no formal agreement with the school and no guarantee the advertising items will be distributed.

Consider any advertising offer on the basis of the advertising value: What is the total cost of the ad? What will the advertisement look like, and can you proof the ad before it’s distributed? How many items will be produced, and how will you know the items will be distributed? Will you receive a sample?

Complaints about advertising offers can be reported to the BBB. The BBB will send a copy of the complaint to the advertising business, ask for an answer, and check back with the complainant to see if the problem is resolved.

For more alerts for business, visit http://www.dallas.bbb.org/business-alerts/

In the News -- BBB Warns of Air Condition Repair Scams

7/26/2011

Posted on 7/26/2011 by
From KRLD-AM, 1080, Dallas-Fort Worth

NORTH TEXAS (CBSDFW.COM) – Monday is day 24 of temperatures above 100-degrees in North Texas and the weather is putting a strain on all of our air conditioning units.

Increased usage also increases the likelihood of breakdowns, but the Better Business Bureau of Dallas warns that it’s ‘buyer beware’ when it comes to finding a repair company.

When trying to avoid a/c scam artists Jeannette Kopko, with the BBB, says the first thing you should do is make sure the company has a permanent address.

Kopko also recommends that consumers, “Beware if there is high pressure, like ‘Oh, we came out to check this particular problem but we see some additional problems that if you don’t correct them your ceilings going to fall in or your family’s health is in danger’.”

Experts say another scam ‘red flag’ is when a repair person says the estimate cost is just for today or they will accept cash only or want the money upfront.

“If you are working with an established business they should have parts available, a line of credit to get parts, they should not have to ask you to pay up front in cash for parts to start the job,” said Kopko.

The BBB also recommends that you don’t accept the first estimate. They say it’s always good to get a second or third opinion.

See the story online at http://dfw.cbslocal.com/2011/07/25/bbb-warns-of-air-condition-repair-scams/

Shopping Online For A Used Car? Beware Of Scams, BBB Warns

7/26/2011

Posted on 7/26/2011 by
St. Louis, Mo., July 26, 2011 - The Better Business Bureau (BBB) is warning consumers to be on the alert for phony used car dealers using the Internet to advertise vehicles at deeply discounted prices.

The BBB says the fraudulent dealers often take detailed personal information and cash from potential customers, promising to deliver vehicles to customers' homes. The vehicles never arrive.

In the past five months, consumers have alerted the BBB to two used car scams - one supposedly located in New Florence, Mo., and the other reportedly based in Sullivan, Ill. Both operations fabricated their addresses. There is no indication that either was a legitimate business.

"People work too hard for their money to be taken by these yo-yos," said a Birmingham, Ala., consumer who alerted police to a fake dealership calling itself Edward American Cars, which claimed to be operating in Sullivan. The consumer said he was keenly aware of the potential problems of car scams after previously losing $5,500 to an online thief.

Sullivan Police Chief John Love said that the address advertised by that business - in the 500 block of South Sixth Street - actually is the home of a long-time city employee who has no involvement in any car business. Love said the case has been turned over to state investigators.

Love has taken several calls from consumers across the U.S. who questioned the legitimacy of the online site. He said he was aware of no one who lost money in the scheme, but several people said they were worried that their personal information may have been compromised.

In February, a consumer from West Virginia told the BBB he lost nearly $7,400 after buying a vehicle from Quick Auto Sales, which hijacked an address in New Florence, Mo. The address turned out to be the site of an abandoned service station.

“It’s sad that there are people like that,” said the man who had recently lost his job.

Michelle Corey, BBB president and CEO, said consumers should be careful about making any advance payments for items marketed through the Internet, especially if they are not familiar with the business.

“Just because the picture is pretty and the price is right doesn’t mean you should throw caution to the wind,” Corey said. “Buy, but buy carefully.”

The BBB offers the following tips for consumers interested in buying vehicles online:

Buy from an established business with a good reputation.
If you are unfamiliar with the business, check its address to make sure it has offices where it says it does. If you have continuing concerns, contact the building manager or other tenants to confirm the business address.
Whenever possible, pay by credit card in case you need to challenge the purchase.
Be wary of prices that seem unusually low. Low prices are the best way for a fraudulent business to attract victims.
Get a BBB Business Review by going to www.bbb.org.

BBB Advises Consumers of New Payday Lender Laws

7/26/2011

Posted on 7/26/2011 by
AUSTIN, Texas - July 26, 2011 – While all eyes were on the budget this Legislative session, Texas passed two bills that may help protect consumers from scams involving payday loan scams.

House Bill 2592 requires lenders to provide certain disclosures to customers, such as fees and interest rates. Some of these fees can add up to an annual interest rate of more than 300 percent. Customers have found themselves owing much more than the initial cost of the loan.

House Bill 2594 creates a licensing requirement for car and payday loan providers. The new requirement will allow customers to check a lender out with the state before doing business.

Both bills will be effective Jan. 1, 2012.

To help consumers avoid high fees and scams, Better Business Bureau offers the following tips:

- Beware of online lenders offering quick cash. Such lenders claim they are not bound by state and federal regulations and therefore, skirt many of the laws that protect consumers.

- Pay off the loan quickly. A $15 fee isn’t too high if you pay it only once. Extending the loan period means paying multiple fees, making it more difficult to pay down on the original loan amount.

- Do not pay a fee up front. Lenders asking for a fee before they provide the loan are not legitimate.

- Be wary of lenders asking for a wire transfer. The Texas Attorney General’s Office said scammers will ask for this type of payment rather than allowing you to mail a check to avoid an additional charge of mail fraud.

- Check the lender’s name closely. Scammers will also use a company name similar to that of a reputable lender. The Attorney General’s office filed suit against a company calling itself City Mortgage, which had no affiliation with Citibank or CitiMortgage.

- If it seems too good to be true, it is. Companies claiming to offer a low interest rate regardless of credit are not trustworthy, according to the AG’s office. The National Foundation for Credit Counseling or the Consumer Credit Counseling Service in your area can help you consolidate debt or get a loan despite poor credit history.

- Check the company’s BBB rating. Start at www.bbb.org to check out a company’s BBB Business Review showing its BBB rating rating and customer complaints before dealing with a lender.

- Protect personal information. Remember, the threat of identity theft is high since all lenders require personal information. Unscrupulous companies will use that to their advantage.

BBB Lists 17 Air Conditioning Services with F Ratings

7/25/2011

Posted on 7/25/2011 by

Unanswered and unresolved customer complaints

Dallas, TX, July 25, 2011 -- As a heat wave continues across Dallas and Northeast Texas, air conditioners are working overtime and systems may break down. Customers may have a hard time finding an air conditioning service with an opening in its schedule. The Better Business Bureau advises customers who are scrambling to find an A/C service to choose carefully.

Since January, 2010, the BBB serving Dallas and Northeast Texas has handled 540 complaints on air conditioning service companies. Customer complaints on A/C services concern unsatisfactory repair, unfinished jobs, failure to keep appointments, and difficulties in getting warranties honored.

The BBB in Dallas has identified 17 air conditioning services that have a BBB rating of F, the lowest rating on a scale from A+ to F, due to one or more unanswered or unresolved customer complaints.

“Don’t let your rush to cool off keep you from checking out air conditioning services,” advises Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “It’s easy to check with the BBB online. Also ask the business about service call prices and warranties.”

A homeowner in Bedford complained about All Texas Air Conditioning, Mesquite: “The tech came out on April 12,2011 and said I had leaks in both the air handlers … they told me they would have to get the payment up front before the work could be done. I paid the full amount, $1,750 … The technician did not replace the non-covered items that I paid on the invoice. He did not install the second air handler and the first air handler was installed in a sloppy matter and will have to be reinstalled.” This complaint is unanswered by the business.

Customers can check out air conditioning services with the BBB at www.bbb.org. BBB Business Reviews include the BBB rating, ranging from A+ to F. The rating is based mainly on the complaint record, if any, including the number of complaints during the BBB’s 36-month reporting period, and whether complaints are answered and resolved by the business. Other elements include basic information and any concerns about advertising claims or government action. The BBB Business Review on each business lists the reasons for the rating.

As of July 25, 2011, the following businesses have a BBB rating of F due to failure to respond or to resolve one or more complaints. BBB Business Reviews are subject to change at any time. This list expires August 25, 2011. Check out a business at www.bbb.org.

4 T Heating & Air Conditioning, 3884 Lois Rd E., Sanger

AAA 1 Air Systems, 4287 Belt Line Rd., #139, Addison

All Texas Air Conditioning & Heating, 911 Carlsbad Dr., Mesquite

American Air Systems, 2305 Northumberland, Garland

Arctic Air, 305 Mable Ave., Princeton

Carter’s A/C & Heating, 207 N. Elm Street, Lancaster

Dallas Mechanical Air Systems, 5629 Yale Blvd., Dallas

Gary Wiggins, 702 Scepter Circle, Garland

Lumart, 11126 Shady Trail, Suite 115, Dallas

Mac Doza, 1902 Garrison Way, Garland

Mr. AC, 735 Treehouse Ln., Red Oak

North Dallas Services, P.O. Box 542525, Dallas

Pleasant Valley Air, LLC, 2214 S. Jupiter Rd., Suite 270, Garland

Ron’s Service Company, 701 Keen Dr., Suite 7, Garland

Santoy Mechanical Service, 4111 US Hwy. 80, #205, Mesquite

Texas Air, 5102 Palomino Ln., Garland

Worthing Heating & Air Conditioning, 806 W. Coffin St., Denison

The BBB offers these tips for choosing an air conditioning service company:

1. Ask the price of a service call, and how much time it covers. Are there any extra fees that might apply, for example, if the technician is traveling over a certain distance?

2. Be sure to read and understand before signing any proposal or agreement for work, as well as any warranty.

3. If you are considering major repairs or replacing a system, consider getting more than one bid.

4. Beware of high pressure (“this price is good today only”) or scare tactics (“your family’s health is in danger”).

5. Don’t pay the whole amount in advance, and beware of pressure to make a high down payment “to buy parts”.

6. Check out a business with the BBB at www.bbb.org. The BBB Business Review will show basic information and customer experience, including whether there have been customer complaints and if so, how the complaints were resolved.

The BBB reports on both BBB Accredited Businesses and non-accredited businesses. To become BBB Accredited, businesses must meet BBB Standards for Trust including at least a B rating. BBB accreditation can be revoked for failure to continue to meet standards.

The BBB accepts customer complaints on businesses, and sends a copy of the complaint to the business with a request for an answer. Then the BBB checks back with the customer to see if the complaint is resolved.

To check out a business, find BBB Accredited Businesses, see consumer tips and alerts, report false advertising, or file a customer complaint, start at www.bbb.org.

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. 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. For more, start at www.bbb.org.

Alert -- Faxes from Corporate Travel Misrepresent BBB Accreditation

7/22/2011

Posted on 7/22/2011 by

Corporate Travel
Address Unknown
888-325-4014 (Reservations)
888-393-1379 (Fax for Removal)

Corporate Travel was brought to the BBB’s attention on July 20, 2011 by a West Michigan business owner. The company had received an unsolicited fax offer of “discounted travel voucher” package deals.

The fax displays the BBB Accredited Business Seal; this company is NOT accredited with the BBB of Western Michigan or any other BBB under the name of Corporate Travel. The BBB in Spokane, Washington, has also received information regarding these faxes arriving in their area.

BBB contacted the company via phone; however, the persons answering the phone refuse to provide any information to the BBB regarding their company.

A “secret shop” phone call conducted by the BBB in Spokane produced information that the consumers pays $175.00 pp up front and must be paid now to “guarantee the price” which does not include airfare but does include a 5 star hotel, food and drinks (including alcohol, snacks), water sports, and room service 24 hours a day and that you must travel within the next 18 months. If you do not accept the deal immediately or ask to call back; the price then goes up to $399.00 per night. Once you pay for the travel voucher they will send you an email with everything in writing.

Corporate Travel is also in violation of both state and federal laws that prohibit the use of a fax machine to transmit unsolicited advertising messages.

BBB Challenges Claims for ECO-Aqualizer Aquarium Filters

7/20/2011

Posted on 7/20/2011 by

Magnets have a number of uses, but how about keeping aquarium water clean and fish healthy? ECO-Aqualizer™ of Dallas claims that its magnet-based aquarium filters can do just that. As part of the Better Business Bureau’s local Advertising Review Program, the BBB serving Dallas and Northeast Texas challenged the claims for the ECO-Aqualizer device. The business provided materials from a number of sources; however, the BBB found that the information does not back up the claims.

ECO-Aqualizer now has a BBB rating of F due to the unsubstantiated advertising claims and an unanswered customer complaint. The business has been revoked from BBB accreditation.

ECO-Aqualizer sells “energy saving” filters for aquariums and ponds through its website. The site says pool and spa filters are coming soon. The ECO-Aqualizer filters are plastic tubes with a few small round magnets attached to the inside.

The website includes these statements:

“The ECO-Aqualizer's main function is to reduce the bonding between H2O molecules which increases interactions at the molecular level.”

"The result is your aquarium stays cleaner and fresher, filter efficientcy increases, utilization of nutrients improves, water interaction increases (ORP), and the rate of Dissolved Oxygen increases. These all contribute to a healthier functioning aquarium."

“Within 1 to 2 days of installing the unit, aquariums show visual signs of improvement. Crystal clear water and much more active animals.”

The BBB Code of Advertising calls for advertisers to be prepared to substantiate any claims before publication, and upon request, to present such substantiation to BBB. The Code calls for product performance claims to be “based on recent and competent scientific, engineering or other objective data.”

In February, 2011, BBB contacted ECO-Aqualizer and asked the business to substantiate the claims, “The world’s only self-cleaning aquarium system” and “Business Advantage … 99.2% product performance”. BBB also asked ECO-Aqualizer to substantiate several claims such as “Reduces water changes by up to 75%” and “relieves stress and improves health."

Eco-Aqualizer responded to the BBB with a number of materials to substantiate the challenged advertising claims. However, the materials did not provide adequate substantiation.

In addition, the business has been the subject of one customer complaint alleging failure to get a refund for a leaking filter, which has not been answered by the business.

The BBB’s Advertising Review program continually looks at advertising by local businesses, and reviews advertising claims for compliance with the BBB Code of Advertising. When the BBB identifies a questionable advertising claim, the BBB contacts the business and asks for voluntary cooperation.

Businesses are asked to either supply substantiation for the challenged claim, modify the claim, or discontinue the claim. Most businesses respond to the BBB and, in most cases, cooperate and provide substantiation or modify or discontinue the claim.

To learn more about the BBB Code of Advertising and BBB Advertising Review, visit http://dallas.bbb.org/dallasadreview/.

For the BBB Business Review on ECO-Aqualizer, go to http://www.bbb.org/dallas/business-reviews/swimming-pool-equipment-and-supplies/eco-aqualizer-in-dallas-tx-90303138

To check out a business, see lists of BBB Accredited Businesses, find tips and alerts, report questionable advertising, or file a customer complaint, start at www.bbb.org.

Alert to Business -- Communities Unlimited, Inc.

7/8/2011

Posted on 7/8/2011 by

BBB warns businesses to beware of an offer selling advertising space on magnetized city guides and high school athletic posters and calendars. Ossian Enterprises, LLC, Davenport, IA, doing business as Communities Unlimited LLC, Ads Sports, and American Publishing, is charging businesses throughout the country for advertising space on items that are purportedly distributed throughout the community.

When the promised advertising never materializes or is of poor quality or never distributed, small business owners find themselves out of amounts from $300 to $1,300.

Ossian Enterprises LLC, has a BBB rating of F, the lowest rating possible. The majority of complaints allege that the product is never received.

The business sends emails to businesses with a mock-up ad, stating that 5,000 guides will be distributed to local families.

"Businesses all over the country are being solicited," said Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas. "Businesses are advised to check out carefully any advertising offer that claims to be working with a local high school, city or Chamber of Commerce."

Even BBBs have been contacted. Staff with the BBB in Wichita Falls received emails for a 2011 City of Wichita Falls Area Magnetized Information Guide from Communities Unlimited, and for Wichita Falls Rider High School Football 2011 Schedule Posters from AM Publishing.

The Wichita Falls Times Record News reports, "The chamber said it has not commissioned the City Guide and Rider High School's Athletic Department said it does not publish a poster with AM Publishing."

Businesses that receive such an offer should verify the details with the school, city or Chamber of Commerce that is named in the solicitation.

Ask how many of the items are being produced and where they will be distributed.

Check out a business with BBB at www.bbb.org.

To see the BBB Business Review on Ossian Enterprises, click to http://www.bbb.org/iowa/business-reviews/advertising-specialties/ossian-enterprises-in-davenport-ia-32039647

For BBB tips for business, visit http://www.dallas.bbb.org/Business-Tips-Index/

In the News -- Summer Electric Rates

7/7/2011

Posted on 7/7/2011 by
Electrical use soars in the summer due to the high temperatures, prompting many consumers to shop around for better electricity prices.

Julie Tam of NBC5-TV, Ch. 5 in Dallas-Fort Worth, reports that customers may be tempted by some current rates less than 10 cents per kilowatt-hour.

Before making the switch, customers should read the fine print, says Jeannette Kopko, Better Business Bureau spokeswoman. Customers should not get lured in by low introductory rates and enter into long-term contracts with volatile variable rates, she said.

"You have to look at your usage, what you've paid historically, what kind of risk you want to take and the terms and conditions of the particular plan," she said.

To see the story, click here http://www.nbcdfw.com/news/business/Summer-Heats-Up-Electric-Rates-Simmer-Down-125116504.html

For information on choosing an electrical provider, visit PowerToChoose.org, the comparison website for the Texas Public Utility Commission.

To check out a business, find BBB Accredited Businesses, see news, tips and alerts, report misleading advertising claims, or file a customer complaint, start at www.bbb.org.

In the News -- BBB Tells Today Show about Vehicle Service Contracts Scam

6/28/2011

Posted on 6/28/2011 by

Robo-calls -- those automated phone calls pitching products and services -- were used extensively by U.S. Fidelis, a Missouri-based seller of vehicle service contracts. The contracts also were marketed through national TV commercials.

Now the principals have been indicted on consumer fraud charges.

Michelle Corey of the Better Business Bureau in St. Louis tells the Today show about the BBB's investigation of the business. Complaints alleged misrepresentation of the offer, and difficulties in getting contracts honored. U.S. Fidelis has an F rating with the BBB, the lowest rating possible.

See the story here:
http://today.msnbc.msn.com/id/26184891/vp/43560209#43560209

To see the BBB Business Review on U.S. Fidelis, click to
http://www.bbb.org/stlouis/business-reviews/auto-service-contract-companies/u-s-fidelis-in-wentzville-mo-310016763

To check out a business, start at www.bbb.org. You can also find BBB Accredited Businesses, get tips and alerts, file a customer complaint, or report misleading advertising claims.

In the News -- BBB List of Low-Rated Roofers

6/27/2011

Posted on 6/27/2011 by

A report on radio station KERA-FM, 90.1 in Dallas, says the Better Business Bureau in Dallas has been getting a lot of inquiries from people looking for reputable roofing companies after recent hailstorms. “So the agency's put together a list of 17 to avoid,” the story notes.

In this KERA Economy Project segment, Jeannette Kopko with the BBB tells 90.1's Sam Baker how these companies earned an "F" over the past 3-years.

To listen to the story, click to
http://www.publicbroadcasting.net/kera/news.newsmain/article/0/0/1816958/North.Texas/Economy.Project.Better.Business.Bureau.List.Of.Low-Rated.Roofers

To see the list of low-rated roofers, please visit http://www.dallas.bbb.org/article/After-the-Storm-BBB-in-Dallas-Lists-17-Roofing-Companies-with-F-Ratings-27899

To check out a business, start at www.bbb.org. You can also find BBB Accredited Businesses, get tips and alerts, file a customer complaint, or report misleading advertising claims.

In the News -- Buyer Beware Bad Roofers

6/24/2011

Posted on 6/24/2011 by
More than 300,000 North Texas homes were struck with hail 1-3/4 inches or larger in May, according to the Insurance Council of Texas.

Ken Kalthoff of NBC5-TV, Ch. 5 in Dallas-Fort Worth, reports that roofing contractors are knocking on doors and offering their services.

"In Texas there's not a competency license required for roofers so anyone can set up a roofing business," says Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas.

The BBB lists 17 roofing contractors in the Dallas area that have F ratings, the lowest rating possible.

Homeowners should get more than one bid, read before they sign, check customer references and with the BBB, and beware "red flags" to be even more careful, including high pressure and scare tactics. Promises of a "free roof" or "no deductible" could be insurance fraud.

To see the story, click here http://www.nbcdfw.com/news/local/Buyer-Beware-Bad-Roofers-124460539.html

For the BBB's list of 17 roofing contractors with F ratings, see
http://www.dallas.bbb.org/article/After-the-Storm-BBB-in-Dallas-Lists-17-Roofing-Companies-with-F-Ratings-27899

To check out a business, start at www.bbb.org. You can also find BBB Accredited Businesses, get tips and alerts, file a customer complaint, or report misleading advertising claims.

In the News -- Roofing Scams on the Rise After Storms

6/23/2011

Posted on 6/23/2011 by
After all the storms in the Dallas area this spring and summer, homeowners are faced with expensive roof repairs and roof replacements. At the Better Business Bureau serving Dallas and Northeast Texas, inquiries from consumers asking about roofing contractors are up 150% compared to last year at this time.

Cynthia Vega of WFAA-TV, Ch. 8, in Dallas reports that the BBB is warning to check out roofers. "Scammers are at work in our area, looking to take your money without ever doing the work," she says.

To see the WFAA story, click on this link http://www.wfaa.com/news/local/Roof-scams-on-the-rise-after-storms-124427844.html

For the BBB's list of 17 roofing contractors with BBB ratings of F, tips on choosing a roofer, and "red flags" to watch out for, see http://www.dallas.bbb.org/article/After-the-Storm-BBB-in-Dallas-Lists-17-Roofing-Companies-with-F-Ratings-27899

To check out a business, start at www.bbb.org. You can also see the BBB Accredited Business Directory, find consumer tips and alerts, file a complaint, or report misleading advertising claims.

Beware Phone Scam Aimed at Hotel Guests

6/22/2011

Posted on 6/22/2011 by

BBB warns hotel guests to beware of a phone scam to steal consumers’ credit card numbers.

Recently, a guest at a hotel in the Dallas area received a call in the middle of the night. The caller claimed to be with the hotel, and said the hotel “system had crashed.” The caller said the guest’s credit card number was needed for an audit to be conducted shortly.

The guest refused to give her credit card number, and called the front desk. She was told that the hotel didn’t make the call. The next morning she learned that several guests received similar calls.

Better Business Bureau advises hotel guests to be alert for this scam. Don’t give your credit card information over the phone to someone you don’t know. Hotels will handle any questions about billing at the front desk, not over the phone. Guests who have any doubt about a call from someone claiming to be with the hotel should hang up and call the front desk directly.

For tips on avoiding identity theft and what to do if you’ve been a victim of identity theft, see the Federal Trade Commission’s Identity Theft website at http://www.ftc.gov/bcp/edu/microsites/idtheft//

When Is A Credit Card Not A Credit Card?

6/22/2011

Posted on 6/22/2011 by
FORT WORTH – An ‘F’ rated credit card company based in the Dallas/Fort Worth area is generating a growing number of complaints to the Better Business Bureau at Fort Worth (FWBBB) from throughout the U.S.

The FWBBB reports that it received over 266 complaints over the past three years primarily about the advertising practices of Union Workers Credit Services. Eighty-five of those complaints have been filed since Jan. 1 from consumers in almost every state in the country. As might be expected, the larger states accounted for a higher number of complaints (California, Pennsylvania and New York).

Many of the complaints cite a promotional letter alerting the consumer that he or she has been “pre-approved for a platinum card membership.” The letter also notes, “You don’t have to worry if you have been denied access to Visa® or MasterCard®.”

The card, which comes with a $37 fee, offers a “guaranteed” $10,000-credit limit. However, many consumers often overlook a reference in the letter that credit can only be applied to purchases from Union Workers Credit Services. The company touts that its members enjoy discounts on motels, hotels and resorts, and assistance in receiving the lowest airfare, cruise prices and car rentals.

“Many of the consumers we’ve heard from believed that the Union Workers Platinum Card would have widespread acceptance, like Visa or MasterCard. That is clearly not the case,” said John Riggins, president and CEO of the BBB at Fort Worth.

Riggins said his office has also received complaints about the company’s name, which suggests it is affiliated with a labor union. A BBB investigation reveals there is no such affiliation.

The BBB recommends that consumers always take the time to read a company’s promotional literature carefully, including the “fine print.” Ask questions. Be sure you understand all of the provisions before signing.

To see the BBB Business Review on Union Workers Credit Services, click to http://www.bbb.org/fort-worth/business-reviews/credit-cards-and-plans/union-workers-credit-services-inc-in-fort-worth-tx-235966246/

After the Storm: BBB in Dallas Lists 17 Roofing Companies with F Ratings

6/15/2011

Posted on 6/15/2011 by

Dallas, TX, June 15, 2011 -- Thousands of homeowners in Dallas and Northeast Texas are facing roof repairs and replacements after storms and hail pounded the area this spring. The Insurance Council of Texas says an April storm caused $100 million in insured losses, and in May as many as 350,000 homes in the area were hit with1¾-inch hail or larger. Inquiries from homeowners to the Better Business Bureau about roofing companies have jumped. In April and May this year, the BBB in Dallas has received over 25,000 requests for information on roofing contractors, an increase of 150% over the same period last year.

To assist homeowners in checking out roofing companies, the BBB serving Dallas and Northeast Texas has compiled a list of 17 roofing contractors located in the Dallas area that currently have a BBB rating of F, the lowest rating on a scale of A+ to F. The BBB Business Review on each business lists the reasons for the rating.

“The time to check out a business is before you sign a contract or agreement,” says Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Read before you sign and watch out for ‘red flags’ such as high pressure to decide right away or scare tactics claiming that you’re in danger unless repairs are done.”

Customer complaints to BBB on roofing companies concern unsatisfactory work, unfinished jobs, and difficulties in getting warranties honored.

As of June 15, 2011, these roofing companies have a BBB rating of F due to the reasons stated. This list expires July 15, 2011. BBB Business Reviews are subject to change at any time. Check out a business at www.bbb.org.

AA Roofing, 7316 Ridgemoor Lane, Plano – Failure to respond to one complaint filed against business.

John Burnett, 508 Carriage Trail, Rockwall – Failure to respond to one complaint filed against business.

Best Roofing & Repair, 977 E. Ovilla Rd., Red Oak –Failure to respond to one complaint filed against business.

Brotherford Roofing, 6048 Hidden Creek Ln., Frisco – 11 complaints filed against business, and failure to respond to one complaint filed against business.

Brown and Company, Inc., 1334 Lyndon Ave., Suite D, DeSoto -- Failure to comply with arbitration decision or mediated settlement, 9 complaints filed against business, failure to respond to one complaint filed against business, and one complaint filed against business that was not resolved.

Eddies Roofing & Fencing, 1629 Morrison Dr., Garland – Failure to respond to 2 complaints filed against business, and BBB Accreditation was revoked because the business failed to honor its accreditation agreement with BBB.

Gaither Hicks Roofing and Remodeling, 1620 Alexis St., Midlothian – Failure to respond to one complaint filed against business.

Hi Point Roofing, 3220 Chimneyrock Dr., Plano -- Failure to respond to one complaint filed against business.

Hicks Roofing, 2424 Randolph St., Dallas -- Failure to respond to one complaint filed against business.

Jefco Roofing Service, 1055 Woodridge Rd., Waxahachie -- Failure to respond to one complaint filed against business.

Just Rite Roofing and Construction, 2025 McKinney St., Melissa – Failure to respond to 2 complaints filed against business.

Noble Roofing, 1116 Breezewood Dr., Lewisville -- 7 complaints filed against business. Failure to respond to 3 complaints filed against business.

Quality Top Roofing & Construction, 3106 Satsuma Dr., Carrollton --Failure to respond to one complaint filed against business, and BBB Accreditation was revoked because the business failed to honor its accreditation agreement with BBB.

Sextons Pride Remodeling Services, 1721 Ruea St., Grand Prairie -- Failure to respond to 2 complaints filed against business.

Sky’s Roofing Co., 3575 N. Beltline Rd., #103, Irving -- Advertising issue found by BBB: the company’s contract uses a BBB logo, however, this business is not a BBB Accredited Business and BBB policies prohibit such a reference.

Texas Best Roofing, 819 W. Arapaho, Suite 201, Richardson -- Failure to respond to 3 complaints filed against business.

Victory Remodeling & Construction Co., 706 Little Creek Dr., Duncanville -- Failure to respond to 2 complaints filed against business.

It’s easy to look up the BBB Business Review on a company – just go to www.bbb.org and click on “Check out a business or charity” to search for information on all types of businesses anywhere in the U.S. A BBB Business Review includes details about the business, the BBB rating which is based on 16 elements including customer experience, and whether the business is BBB Accredited.

The BBB offers these tips for choosing a roofing company:

1. Get more than one bid, comparing service, materials, and price.

2. Read and understand any contract or agreement before signing.

3. Be leery of high pressure or scare tactics.

4. Remember that storm chasers often come in from out of town, and may use a temporary address in the area. Check out any business, including out-of-towners, with the BBB at www.bbb.org.

5. Ask for customer references and check a few.

6. Beware of offers to “get your roof for free” or “pay no deductible”. Such offers could constitute insurance fraud.

To check out a business, find BBB Accredited Businesses, see consumer tips and alerts, report false advertising, or file a customer complaint, start at www.bbb.org.

In the News -- Internet Moving Scams Increasing

6/6/2011

Posted on 6/6/2011 by

Consumers who find a moving company online may find that they're dealing with a different mover than the one they thought they hired, or subcontractors who show up for the day. And they may find their household goods are held hostage until more cash is paid than the original quote.

Byron Harris of WFAA-TV, Ch. 8 in Dallas, TX, reports how one local family had to pay hundreds more to get their goods delivered.

Some moving companies that advertise online keep changing the business name and address. Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas, says Metro Movers has been the subject of complaints under different names and addresses.

To see the story, click here: http://www.wfaa.com/news/Internet-Moving-Scams-Increasing-123133418.html

For consumer tips on choosing a moving company, see http://dallas.bbb.org/article/bbb-and-amsa-offer-advice-on-avoiding-moving-scams-this-summer-27333

BBB Warns Mavericks Fans to Beware Ticket Scams

6/3/2011

Posted on 6/3/2011 by

Top 5 Ripoffs When Buying Sports and Concert Tickets

Dallas, TX, June 3, 2011 -- With the Dallas Mavericks in the NBA Finals, the Better Business Bureau (BBB) warns fans to avoid the risk of getting ripped off if you decide to gamble on a less than reputable source for tickets.

Fake tickets and non-delivery of tickets are a concern for any major sporting event or concert. When fans are thrilled about their home-town team being in championship games, they might overlook signs of a ripoff.

“The Dallas Mavericks landing in the NBA Finals provides a premier opportunity for scammers to sell counterfeit tickets,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Scammers know what the hot tickets are and search out fans who are so excited that they might not recognize the signs of a scam.”

To avoid getting ripped off buying event tickets, BBB lists these red flags:

· Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

· Wiring money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

· Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look.

· Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised.

· Choosing a disreputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at www.bbb.org/us/Find-Business-Reviews. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit www.bbb.org/us/Consumer-Tips/

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. 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. For more, start at www.bbb.org.

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/2/2011

Posted on 6/2/2011 by

Dallas, TX, June 2, 2011- BBB warns that door-to-door magazine sales crews are hitting the pavement now, looking to earn a quick buck this summer. Some high pressure sellers use tactics that can have anyone falling victim. BBB receives complaints each year on door-to-door magazine sales about high pressure, misrepresentation, non-delivery of magazines, and difficulty receiving refunds. Some of the magazine subscription companies named in complaints are based in the Dallas and Northeast Texas area.

In 2011, BBB nationwide already has 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.

“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 Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “Most complaints against door-to-door magazine sales allege that sales representatives took a customer’s check but the magazines never arrived, while some complainants also allege high-pressure and misleading sales tactics.”

A man in Coppell, TX, complained about Harvest Group, based in Frisco, TX: “These guys came to knock on doors in the neighborhood, telling they are an organization giving job opportunities to people in the hood, and asking purchase of overpriced magazine with donation option. After 4 months, there is not magazine and no one answers calls, and the email is not valid.” He was seeking a refund, but the complaint remains unanswered by the business.

Harvest Group has a BBB rating of F, the lowest rating possible on a scale of A+ to F. There are 44 complaints on the business during the BBB’s three-year reporting period, and 37 complaints are unanswered.

Three more door-to-door magazine sellers in the Northeast Texas area have BBB ratings of F, all due to unanswered customer complaints: Crossroads Subscriptions, Aubrey, TX; Direct Subscription Services, Inc., Pilot Point, TX; and Destiny Sales, Kaufman, TX.

This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

Listen carefully and be aware of high pressure or misleading 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. 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.

Don’t fall for “sympathy pitches”. Door-to-door sellers may tell you something to gain your sympathy. For example, a seller might claim to be selling magazines to benefit some group, or claim to need more sales in order to qualify to keep the job or earn a bonus. The seller might drop the name of a neighbor, implying that someone you know has already trusted the salesperson. Make any decision to buy based on the product and the business, not because a salesperson appeals to your sympathy or knows a neighbor’s name.

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 and all conditions. Tell the salesperson you will check it out and get back to him or her. If a salesperson pressures you to decide right away, that’s a sign to be even more careful. You can check out any 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 Attorneys General offices.

In the News -- Beware Counterfeit NBA Finals Tickets

6/1/2011

Posted on 6/1/2011 by
Dallas Mavericks fans should beware of purchasing counterfeit tickets to the NBA Finals, warns the BBB.

The Sun Sentinel newspaper in Fort Lauderdale, FL, cautions that "Major sporting events often draw con artists offering counterfeit tickets or hawking non-existent seats on the street corner, law enforcement and consumer advocates say."

The article notes that "Last year, the Better Business Bureau received 1,263 complaints nationwide about ticket sales to events."

See the article at
http://www.sun-sentinel.com/business/fl-heat-ticket-buy-safely-0602-20110601,0,472456.story

BBB offers these tips for ticket buyers:

• Check out the business you're buying from. To check out a business with BBB, start at www.bbb.org. To see if the seller is a a member of the National Ticket Brokers Association, go to www.natb.org.

• Pay with a credit card. If you have a problem that the seller won't resolve, you can dispute the charge with your credit card company.

• Don't buy from individuals you don't know, especially through online classified ads. You might not be able to verify the tickets before paying for them.

• Never pay by wiring money up front -- this is a favorite way for scammers to get payment and then deliver nothing. Once your money is sent by wire, there may be no way to get it back.

• Learn more from the BBB about the "Top 5 Ripoffs When Buying Sports and Concert Tickets". See http://dallas.bbb.org/article/top-five-ripoffs-when-buying-sports-and-concert-tickets-25120

To file a complaint wth BBB, start at www.bbb.org.

Veterans Can Become Victims Of Scams, BBB Warns

5/27/2011

Posted on 5/27/2011 by
St. Louis, Mo., May 27, 2011 – While the nation honors veterans on Memorial Day, the Better Business Bureau (BBB) warns veterans and their families that scammers also may be victimizing veterans, especially those who are frail and elderly.

“Veterans have put their lives on the line for their country,” said Michelle L. Corey, BBB president and CEO. “For scammers to target these patriotic individuals is shameful.”

Veterans scams can take many forms. Among them:

Firms that target veterans and charge them for products and services they can receive free or at lower cost elsewhere, such as military records and forms.
Scammers who contact veterans saying that they need to update their credit card information or other records with the Veterans Administration. The scammers then use the information to commit identity theft.
Bogus charities with names that reference the Armed Forces and seek donations.
Fraudsters calling themselves veterans advocates who try to convince veterans that they can get more benefits by transferring their investments into an irrevocable trust, which often contains unsuitable investments.

Lyon Research, a company based in Vienna, Va., has generated 28 unanswered complaints concerning veterans in states from Florida to Washington over the last 36 months. The company has a BBB rating of F, the lowest possible.

On its website, Lyon Research encourages veterans to click on a link to obtain their military records or a DD214 form, the “condition of discharge” form issued by the Defense Department. (The forms are available free from the Veterans Administration.)

A veteran from Wisconsin clicked on the link and entered his credit card information, resulting in a $90 charge on his credit card bill. He was promised his information within a week but received nothing after two months. Eventually, he got his information free from a local Veterans Administration office.

The BBB advises veterans to be wary of unsolicited mail or email seeking personal information, such as credit card or bank account numbers, Social Security numbers, military identification numbers or dates of birth or military service. Never use email to communicate personal sensitive information, and don’t respond to emails asking to verify your personal information and identifiers.

Veterans who conduct business online should use their own computers. A public computer, such as one at a library or hotel, is less secure.

Bogus charities often use names that reference the Armed Forces, names of military branches or units or simply include the word “veterans” in their name. While legitimate charities do exist to assist veterans, donors would be wise to check the charities out before making a donation.

The BBB urges veterans to check out companies or charities at www.bbb.org or call your local BBB before doing business. BBB Business Reviews contain information on the company’s complaint records, its owners and any government action taken against them. BBB Charity Reports include information on fundraising, governance and other aspects of nonprofits.

BBB Tips on Giving to Tornado Relief

5/26/2011

Posted on 5/26/2011 by

Tornadoes have wreaked havoc across the country. Thousands have lost their homes and all of their belongings. Others have lost their loved ones.

“When disaster strikes, scam artists come out of the woodwork,” says Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Scam artists show up and pose as charities, seeking donations from people who are anxious to help.”

To make sure that your donation helps tornado victims as intended, follow these tips from BBB:

· Before donating, visit www.bbb.org/charity to research organizations you’re considering supporting.

· Beware of fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.

· Learn the facts before texting a donation. Is it an official appeal by an organization you can check out? Find out how much of the donation goes to the charity, and whether you will pay a service charge. Text donations can take some time to reach charities, so you might want to contact the charity directly or go to its official website to make an immediate contribution.

· Be wary of “charities” that come knocking on your door who are reluctant to answer reasonable questions about their operations, finances, and programs.

· Don’t give in to excessive pressure for on-the-spot donations. Be wary of any telephone appeal to send a “runner” to pick up your contribution.

· Don’t give cash. Checks or money orders should be made payable to the name of the organization, not the individual collecting the donation.

· Don’t give your credit card number or other personal information to a telephone solicitor.

· Be cautious when giving online. At times like this, scam artists don’t think twice about tricking you into giving to phony charities. If you want to give to a charity involved in relief efforts, go directly to the charity’s website.

· Don’t click on any links in email solicitations for money for victims.

· Find out if the charity has an on-the-ground presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly.

· Find out if the charity is providing direct aid or is raising money for other relief groups. Some charities raise money to pass along to relief organizations. If so, consider avoiding the middleman and give directly to organizations actually helping in the area.

· Be wary of claims that 100 percent of donations will assist relief victims. Charitable organizations have expenses they must cover, including those for fund raising and administrative costs.

For more tips on giving, start at www.bbb.org/charity.

After the Storm -- Avoid Repair Nightmares

5/25/2011

Posted on 5/25/2011 by

Consumers and businesses who are dealing with repairs following the strong storms that swept through the Dallas area on Tuesday night, May 25, 2011, should also take steps to avoid scams, warns the BBB.

The Better Business Bureau serving Dallas and Northeast Texas advises property owners to first take steps to protect their property and minimize damage. If you need to make any temporary repairs, be sure to keep receipts because you may need those for an insurance claim. Notify your insurance agent as soon as possible to start your claim and find out how the insurance company can help.

Reduce the chances of even more problems by choosing repair businesses carefully. It’s not unusual after a severe storm for unreliable contractors to target customers who need repairs. The results can be unfinished or shoddy work. The BBB offers these tips to check out repair companies:

Get more than one bid. It's a good idea to get two or three bids, and compare materials, service, and guarantee, not just price.

Know the company you're dealing with. Ask for – and check out – customer references. Check out any business with the BBB at www.bbb.org or in Dallas call 214-220-2000, or in surrounding areas call 1-800-705-3994. A BBB Business Review on a business lists basic information as well as the BBB rating, which ranges from A+ to F. The BBB rating is based on sixteen elements, including whether there have been customer complaints and if so, whether complaints are resolved. In addition, businesses that meet BBB accreditation standards are shown as BBB Accredited Businesses.

Be alert for unreliable contractors who may pour in after the storm. Some contractors who follow storms may charge high prices for shoddy work, or leave jobs unfinished. Look for these red flags: Be cautious of contractors who solicit business door-to-door with vague information; have no local physical address or phone; or use scare tactics ("That chimney's about to fall") or high pressure ("This price is good today only"). You can check any business around the country at www.bbb.org.

Read and understand the contract and guarantee. The contract should include a written description of the work to be done, and the price of labor and materials. If the company makes any verbal promises (such as "We'll take away the cut tree limbs"), make sure they are in writing. The guarantee should describe what's covered by the guarantee, for how long, and what the company will do to honor the guarantee.

Keep down payments reasonable. It's not unusual for a repair service to ask for some money down. But if you're not comfortable with the amount requested, ask the company to agree on a smaller down payment. Don't pay the entire amount in advance. Make payments by check or credit card, made out to the company, not in cash.

Don't make the final payment or sign a completion agreement until all the work is done to your satisfaction. Don't fall for high pressure or promises to return and take care of final details. It may be difficult to get the company to return once the job is paid for and signed off.

Find a BBB Accredited Business. To be BBB Accredited, businesses must meet BBB Standards of Trust. Start at www.bbb.org and click on “Find a BBB Accredited Business”. These are just some of the available categories:

Fence Contractors
Roofing Contractors
Tree Service
Fire and Water Damage Restoration
Auto Repair & Service
Auto Body Repair & Painting

“Free” Real Estate Investment Seminar Could Cost Tens of Thousands

5/20/2011

Posted on 5/20/2011 by

BBB Warns Armando Montelongo Seminars Have Generated Over 50 Recent Complaints

Austin, TX - May 20, 2011 – The BBB in Austin warns local consumers to think twice before attending Armando Montelongo’s “Mega Millionaire Round Table Live” seminars being held in Central Texas next week. According to the company’s website, daily seminars are planned in the greater Austin and San Antonio areas during the week of May 23 – 27, 2011. These seminars promise to help consumers “learn to make cash” with “no money” and “no credit” by flipping properties they purchase for “pennies on the dollar.” However, dozens of consumers have contacted BBB to complain that they did not get the real estate selling information they expected and to request help getting a refund from the company.

Armando Montelongo Worldwide Inc., the San Antonio-based company that hosts the seminars, is generating complaints alleging that consumers who attend the company’s free seminars are encouraged to attend another 3-day seminar for a fee of $1,497. Several consumers who paid an upfront fee to attend the second 3-day seminar allege they did not receive the information they expected about how to make money by flipping properties. Some consumers also claim they were further pressured to agree to yet another educational package in order to learn more about Montelongo’s property investment secrets, for prices in the tens of thousands of dollars.

A local Austin consumer signed up to attend one of the company’s free seminars after seeing Armando Montelongo’s infomercial on TV. After the first seminar, the consumer agreed to pay the additional $1,497 fee to attend the next seminar, but then decided to cancel her purchase immediately. The consumer told BBB she was instructed by the company to call an 800-number within 3 days. She did so, but never received a refund. The consumer was later instructed by the company to go to the second seminar in order to receive the refund in-person. However, the company then insisted that her attendance at the event meant she was not due a refund.

While at the seminar, this consumer told BBB she overheard “a lot of people were complaining about the price, and the [real estate investment] course.” The consumer stated that “realtors and mortgage brokers were there, and all the information being provided was stuff they already knew.” The consumer then filed a complaint with BBB and disputed the charge with her bank in an attempt to get her money back.

BBB contacted Armando Montelongo Worldwide Inc. in June 2010 with concerns regarding the company’s advertising and concerns about the pattern of consumer complaints. It was not until May 5, 2011 that the company provided a written response to BBB’s concerns. In their response, the company stated that they have changed some of their advertising claims. The company also stated that consumers are expected to cancel their purchases using the procedure outlined in the terms and agreements provided at the time of purchase.

On May 16, 2011, BBB sent a letter to the company requesting an explanation of what action, if any, they would take to prevent similar complaints from arising in the future. BBB also called the company to offer the opportunity to address BBB’s concerns verbally, but was informed to expect a complete response in writing.

Armando Montelongo Worldwide Inc. has received 60 total complaints in the past 36 months, 52 of which were received in the past 12 months. Of the 60 complaints, 16 have been ignored by the company. Consumers who attend the seminars are strongly advised to read all contracts and materials prior to agreeing to a purchase with Armando Montelongo Worldwide, Inc. For more information, click here to view the company’s current BBB Business Review.

Before registering for a seminar, BBB advises consumers to look for the following red flags:

· A required, large upfront investment. One of the most common complaints BBB receives about investment opportunities is when consumers pay fees and do not receive the promised income.

· A promise of a high return for low risk. Every real estate venture and financial investment comes with a level of risk. If a seminar offers a plan claiming large returns with little or no risk, beware, even if it comes with the promise of a money-back guarantee. If it sounds too good to be true, it probably is.

· The use of high pressure sales tactics. Seminar leaders often try to get consumers to sign up immediately. They may claim there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. A reputable company will encourage consumers to take their time to do research before buying in.

To check out a business, find BBB Accredited Businesses, view consumer and business tips, learn about BBB advertising review, or file a complaint, start at www.bbb.org.

BBB Urges Consumers To Approach Tigrent "Rich Dad Education" Seminars With Caution

5/20/2011

Posted on 5/20/2011 by
St. Louis, Mo., May 19, 2011 – The Better Business Bureau is warning budding entrepreneurs to be cautious when signing up for upcoming “Rich Dad Education” seminars run by Florida-based Tigrent Inc.

The company has scheduled a real estate investment seminar here May 20-22 and a business marketing seminar June 24-26. Both seminars are scheduled for the Hilton St. Louis Airport, 10330 Natural Bridge Road, Woodson Terrace.

Tigrent Inc., Tigrent Learning and Rich Dad Education—which offer classes and mentoring on topics ranging from wholesale buying to commercial real estate to foreclosures—are based in Cape Coral, Fla. Tigrent Inc. and Rich Dad Education have “F” grades with the BBB, the lowest grades possible. More than 140 BBB complaints have been filed against the companies, including 28 that have been unanswered.

Many of the complainants claim Tigrent did not give them what it had promised and/or misled them into signing contracts that often totaled thousands of dollars. Several customers complained that the three-day grace period for a refund was not enough time to allow them to assess the value of the classes. Others said company salespeople pressured them into signing up for course work by telling them if they did not do so immediately, the price would go up.

Michelle Corey, BBB president and CEO, said it appears the free one-day seminars and follow-up three-day events are designed to lure consumers with stories of get-rich-quick opportunities.

“Company representatives seem to offer no end to money-making come-ons,” Corey said. “Unfortunately, the reality is that many of these people end up investing their lifesavings into classes that, for a variety of reasons, never pay off. Some of their stories are heart-wrenching.”

A 77-year-old widow from Lady Lake, Fla., told the BBB her husband died shortly after signing up for a series of classes in 2005. She said she has been trying to get a refund of more than $11,000 since then. “Please help me,” she said in a BBB complaint filed last year. The company did not respond to her complaint.

A couple from Cincinnati, Ohio, said they paid Tigrent $10,500 after what the husband claimed were “high-pressure sales promising the moon and the sun.” He said they tried to get a refund after the company failed to schedule classes near their home, as promised. The BBB closed the case as unanswered last month.

A man from Roseville, Calif., said he was pressured to increase his credit card limit and borrow from his retirement fund to purchase a $25,000 real estate package. He said he asked for a refund of $10,500 after questioning the value and legality of the training, but the refund was denied. Records show the company did not respond to the complaint.

On its website, Tigrent describes itself as a “leading provider of practical, high-quality and value-based tools and mentoring where customers acquire learning they can apply to accumulate wealth.”

Through its affiliates—Tigrent Learning, Tigrent eLearning and Rich Dad Education—Tigrent “provides an innovative training model that imparts skills and knowledge in investing (real estate and financial instruments), entrepreneurship and personal finance,” the website says.

Tigrent Learning’s website calls the May 20-22 training session in St. Louis “Property Management & Cash Flow.” The site says the course work “is an essential for every serious real estate investor who is building a portfolio to generate wealth and cash flow.”

St. Louis also will be the site of a three-day marketing conference June 24-26. “We will break down the marketing blueprint to fast track your marketing message to increase your market share and increase your profits,” the website says.

Earlier this month, an attorney for Tigrent told a St. Louis Post-Dispatch reporter that the poor BBB rating was a result of actions by Whitney Information Network, Tigrent’s predecessor. Since the fall of 2009, he said, Tigrent has been more diligent in responding to consumer complaints.

BBB records show that most of the complaints that have gone unanswered have been closed since January 2010.

The BBB offers the following advice for persons attending investment seminars or other programs designed to market wealth-building courses:

Understand that the purpose of most so-called “free” or low-cost business seminars is to sell other products to the public.
Be wary of high-pressure sales tactics and claims that seem too good to be true.
Investing hundreds or thousands of dollars for courses designed to help you make money is a serious commitment. Do not be coaxed into making a decision you may later regret.
Before signing any contract, make sure you have read it thoroughly and understand exactly what you will be getting for your money. Do not hesitate to ask to take a contract home to investigate it more thoroughly or ask the advice of an attorney. If the company rejects your request, it is usually better simply to walk away.
Get in writing how long you have to cancel your agreement and still get a full refund. If a company refuses to give you that information in writing, or if the time is too short, be prepared to walk away.
Check the BBB for a Business Review at www.bbb.org.

In the News -- Company Scamming High School Students

5/20/2011

Posted on 5/20/2011 by

A Dallas-area business, Modern Recognition, is selling plaques for high school students to give their parents by misleading students and their families, according to this news report from Fox 26, KRIV-TV, Houston, TX.

The news story notes that Modern Recognition is charging $30 for plaques, but families say the students never ordered the plaques.

"Modern Recognition has generated a lot of complaints around Texas in recent years. The company is based in Dallas where it has an F rating with the Better Business Bureau," the story reports.

Vehicle Service Contract Scams Cost Consumers Millions of Dollars

5/20/2011

Posted on 5/20/2011 by
St. Louis, Mo., May 20, 2011- Worthless service contracts sold by the vehicle service contract (VSC) industry have cost consumers millions of dollars nationwide, a Better Business Bureau (BBB) study concludes.

The BBB undertook the study after consumers filed thousands of complaints about the industry and in the aftermath of the bankruptcy of industry giant US Fidelis. The marketing of contracts is centered in the St. Louis area. Many companies call the contracts “extended warranties” and frequently sell them as a way for consumers to save money on auto repairs. However, all too often, many repairs are excluded.

“Consumers have been frightened and tricked into parting with thousands of dollars by misleading solicitations and high-pressure sales tactics,” said Michelle L. Corey, BBB president and CEO. “Many in the industry have preyed on the elderly and other unsophisticated buyers who believed they were getting warranties sanctioned by auto manufacturers. What most of them got was a worthless piece of paper.”

The industry has been evolving for at least the past 25 years, but enforcement of consumer protection laws increased only in the past five years or so. The BBB recommends that state and federal authorities be more vigilant and vigorous in prosecuting violators, including criminal prosecution of the more egregious offenders.

The Missouri Attorney General began prosecuting vehicle service contract sellers in 2008. Since then, it has filed suits against 13 companies and 20 individuals, obtaining compliance agreements or consent orders in eight cases. Four of the companies paid $78,925 in penalties or restitution and were sued again when allegations of wrongdoing continued.

This month, Missouri joined other states by enacting stiffer laws regulating the industry. A federal regulation has brought robo-calling solicitations to a virtual halt. This, along with prosecution of some offenders, “may herald a new beginning in the industry,” the study concludes. It warns that if enforcement remains lax, the industry “may continue to find ways to evade the laws.”

The study pointed out that the multi-tiered industry—made up of sellers, providers, administrators, insurers and financing entities—causes confusion among consumers. It notes that in a survey of 660 BBB complainants, 64 percent said they did not know the name of the provider of the contract who was responsible for paying claims, and 16 percent thought the provider was the insuring company.

Once a contract was accepted and payments begun or completed, 93 of the consumers surveyed said the companies refused to allow claims that they thought were covered. Consumers spent an average of $1,480 for the covered repairs, the study says.

The survey revealed that 92 percent of respondents felt that the company’s selling tactics were misleading or otherwise improper. While telephone calls accounted for 28 percent of the first contacts with a company, a like number of consumers said they called a company because of TV or radio advertising. Thirty-one percent said they responded to a mail solicitation.

The study shows that many consumers felt they were misled about what a contract provided. While the new law passed by the Missouri Legislature seeks to address the problem by requiring a “free-look” period, the seller must provide a blank contract only if the prospective purchaser requests it.

The study recommends that the Department of Insurance, which oversees the VSC industry, consider a regulation that requires consumers to physically sign a contract before it becomes valid and prohibits “signatures” by telephone. It recommends that the Department of Insurance consider a regulation that prohibits VSC providers from insuring contracts with reimbursement insurance contracts in which they or affiliated entities are members, and that Congress amend the Liability Risk Retention Act to prohibit VSC providers from forming risk retention groups to insure contracts.

The BBB advises consumers who are considering buying a vehicle service contract:

Always read the contract carefully before agreeing to buy it. See what is covered, what isn’t covered and what conditions apply. If the seller won’t provide a contract, don’t buy it.
If you are on a do-not-call list, report any violations to the attorney general’s office or FTC.
Do the arithmetic. Sometimes the cost of a contract may be more than the car’s value.
Ask the seller the names and locations of the providers, administrators and insurers. Ask how claims are processed.
Check all companies involved in the contract with the BBB at www.bbb.org.

The study is at http://stlouis.bbb.org/Storage/142/Documents/VehicleServiceContractStudy2011.pdf

Internet Business Hopefuls Complain on Stephen Pierce International

5/18/2011

Posted on 5/18/2011 by

Update - May 8, 2012 -- On April 11, 2011, the company agreed with BBB to modify the claim that Mr. Stephen Pierce is the "World's #1 Internet Wealth Advocate." As of May 20, 2011, the company discontinued the claim. For the current BBB Business Review on Stephen Pierce International, click here.

Dallas, TX, May 18, 2011 -- With millions of Americans hunting for jobs, some may be drawn to one of the many business opportunities promising ways to earn money at home through the Internet. The Better Business Bureau (BBB) warns that one business opportunity to “Make Real Money on the Internet” (MRMI) isn’t living up to its promises. Customer complaints on Stephen Pierce International, McKinney, TX, describe Stephen Pierce as a charismatic motivational speaker and convincing salesman. The complaints allege that despite paying $5,000 and up, customers didn’t get the counseling and training they were promised, haven’t made money as represented, and had difficulties getting in touch with the business and getting refunds.

“The idea of working from home can be very appealing to anyone who is looking for a job, needs some extra income, or is just looking for a new career direction. But don’t let your high hopes keep you from evaluating earnings claims carefully and determining whether the business opportunity is right for you,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas.

Stephen Pierce International has a BBB rating of F, the lowest rating possible. Although the business has responded to most of the 19 customer complaints presented by the BBB, three complaints remain unanswered and one complaint is not resolved. Complaints are from all over the U.S. – and two are from Australia. In addition, the business has not modified an advertising claim that was challenged by the BBB's Advertising Review department.

The business’s website, www.stephenpiercelive.com, claims that Stephen Pierce is the “World’s #1 Internet Wealth Advocate”. As part of its ongoing review of advertising claims, the BBB serving Dallas and Northeast Texas challenged the claim. The BBB Code of Advertising notes that claims such as “World’s #1” are objective claims that can be measured. “As statements of fact,” the Code states, “such claims can be proved or disproved and the advertiser should possess substantiation.”

The BBB asked the business to either substantiate the claim, or to modify or discontinue the claim. Although Stephen Pierce International agreed to modify the claim, as of May 18, 2011, the claim remains unchanged on the website.

A woman in Georgia complained: “I purchased the Gold MRMI package from Stephen Pierce International for $5,000 … The package was to include an easy step-by-step instruction book for creating the sites – and customer support was to be available by phone. The booklet was vague, incomplete and impossible to follow. … I have worked diligently from the date of purchase anywhere from 20-40 hrs. a week trying to create and launch the sites, and still have not earned one cent. For over 3 weeks I have been trying to call their office to complain – no one answers the phones. No one has returned a call to me from the messages I’ve left. And I have not received a response from emails I’ve sent.” SPI offered to work with her, but didn’t return messages she left.

Some complaints allege that Stephen Pierce International hasn’t paid commissions to affiliates. An Arizona woman complained: “I have been a Stephen Pierce MRMI affiliate since March of 2010. It has always been a struggle to receive commissions by this company. After numerous phone calls and emails to try to contact someone about why I was not receiving my commissions, I finally received my first commissions of $118.00 on 5/18/10… The last commission payment I received was for $95.88 on 11/9/10. I have not received any commissions since!” The business responded that it was working on the problem and “we anticipate the affiliate receiving the November 2010 forward payments.”

Stephen Pierce is also President of Impulsive Profits, Inc., Ann Arbor, MI. The BBB serving Detroit reports that Impulsive Profits, Inc., has a BBB rating of D-, due to an unanswered customer complaint.

The BBB advises anyone who is considering investing in a business opportunity, whether online or offline, to look into the business, the details of the offer, and the market for the product or service. The BBB the and Federal Trade Commission (FTC) offer these tips:

1. Consider a business opportunity carefully. If it claims buyers can earn a certain income, how many previous purchasers achieved those earnings?

2. Check out the business. Contact the attorney general's office, state or county consumer protection agency and Better Business Bureau where the business opportunity promoter is based to find out whether there is any record of unresolved complaints.

3. Consult an attorney, accountant or other business advisor before you put any money down or sign any papers. Entering into a business opportunity can be costly, so it's best to have an expert check out the contract first. If the promoter requires a deposit, ask your attorney to establish an escrow account where the deposit can be maintained by a third party until you make the deal.

4. Take your time. Promoters of fraudulent business opportunities are likely to use high-pressure sales tactics to get you to buy in. If the business opportunity is legitimate, it'll still be around when you're ready to decide.

To learn more about BBB Advertising Review, visit http://dallas.bbb.org/dallasadreview/

To check out a business, find BBB Accredited Businesses, view tips and alerts for consumers and businesses, or file a complaint, start at www.bbb.org.

BBB Receives Hundreds of Complaints about “Free” Internet Trial Offer

5/12/2011

Posted on 5/12/2011 by

Wallingford, CT – May 12, 2011 – People trying to give up smoking say that stress is often a factor that prompts them to light up. Complaints to Better Business Bureau about a website selling so-called “electronic cigarettes” show stress is exactly what they got when they signed up for a “free” trial.

More than 467 consumers in 44 states including Connecticut, have complained to BBB about unexpected charges on their credit cards after taking advantage of the offer.

The company cited in the complaints is Direct E-Cig, Naples, FL. It has an “F” rating with BBB, the lowest possible rating, in part for failing to respond to 171 complaints.

A Meriden, CT, resident says he got burned when he turned to the company to help him give up the habit.

“I didn’t read the fine print. I have learned from my mistake and now pay close attention to terms and conditions. If it sounds too good to be true, read the fine print. ”

Though the trial’s terms and conditions are posted on the website, the man said he never expected a $4.95 free trial to turn into a subsequent charge of more than $100 on his credit card.

The victim blames the Direct E-cig website for not making the terms more prominent, especially during the checkout procedure when consumers are asked for their credit card number.

Direct E-Cig describes its product as a “revolutionary smoking device designed as a…smoking alternative” that allows users to smoke “virtually anywhere without the flame ash, tar or carbon monoxide.” The site also contains fine print stating the product has not been approved by the Food and Drug Administration (FDA) as a smoking cessation device.

Direct E-Cig, which lists the alternative business names DirectE, Inc. and Smokeless Direct, is among a number of companies selling e-cigarettes online.

The company’s website explains that consumers have fourteen days to cancel “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” However, in complaints to BBB, several consumers said they received direct email solicitations from the company and never saw the cancellation policy. Even if they follow the cancellation policy, consumers may still have to shell out $7.50 for each opened or missing e-cig cartridge and a $10 restocking fee.

Consumers should consider the following tips before taking advantage of free or low-cost introductory offers:

Be extremely cautious about committing to trial offers, especially when asked to supply credit card information. The trials often require payment of the full product price in advance or automatically enroll you in an ongoing program as soon as the trial period is over.
In the case of free trials, some companies may supply your contact information to other businesses.
Before signing up for a trial or reduced price promotion, check out the company’s BBB Business Review at www.bbb.org . If you feel you are being treated unfairly, file a complaint with your Better Business Bureau.

BBB Warns of Phony "News" on Acai Berry Weight Loss Products

5/9/2011

Posted on 5/9/2011 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.

Engine & Transmission World Needs To Fix Business Practices, Customers Tell BBB

4/28/2011

Posted on 4/28/2011 by
St. Louis, Mo., April 28, 2011 – More than 150 consumers from 40 states – including several from Missouri and Illinois – have complained about motors and other auto parts ordered from Engine & Transmission World of Cudahy, Wis.

The Better Business Bureau (BBB) suggests caution when dealing with the Milwaukee-area company (www.engineandtransmissionworld.com), which also may do business under the name SW Engines. The owner is Mark Dobrenko.

Most of the complainants say they did not get the engine or transmission they ordered or they received dirty or damaged parts. Some also said they ran into unhelpful or rude company representatives when they tried to return defective items and/or were forced to pay restocking fees and other unexpected costs.

Engine & Transmission World has an “F” grade with the BBB, the lowest grade possible. The BBB office in Milwaukee said 15 of those complaints are unresolved.

“I bought the engine and I have paid the price,” said a disgruntled Engine & Transmission World customer from Waynesville, Mo. “It was a lesson learned.”

Michelle Corey, president and CEO of the BBB in St. Louis, said that while the popularity of online shopping has grown dramatically in recent years, consumers need to be selective in choosing companies on the Internet.

“The history of Engine & Transmission World is not a good one,” Corey said. “Consumers might be wise to steer away from this business.”

On its website, Engine & Transmission World says, “you can save hundreds and possibly even thousands of dollars by getting used engines or used transmissions to repair your car or truck.” The site notes that its parts are 100 percent guaranteed.

A mother of two from St. Clair, Mo., said she paid Engine & Transmission World about $2,000 last month for an engine for her 2003 Chrysler Concord LXI. But when the engine arrived, she said, it had numerous problems, including a crack in the engine block. An email from the company’s customer service department said it would pick up the engine and “refund in full.” But the woman said the company has consistently refused to refund $1,000 of her payment. She said the company offered to ship her another engine, but with higher mileage, and she declined.

She said the experience has been a strain on her family. “I am extremely irritated.”

A consumer from the Affton, Mo., area said he paid the company $745 for what was described as a 55,000-mile motor for his 1995 Jeep Grand Cherokee. The motor arrived with numerous problems, he said, and his mechanic told him that the engine showed wear typical of a motor with about 150,000 miles. Because of the problems, he was forced to pay $1,000 for installation, instead of the $500 price he had been quoted.

“It has left a really bitter taste in my mouth,” he said. “I wouldn’t wish this on anybody.”

Officials with Engine & Transmission World told the BBB that it sends the product ordered by the customer. They also said they charge a 25 percent restocking fee, based on their agreements with consumers, and suggested that customers closely read any warranties or agreements.

The BBB asked the company to address a pattern of complaints and, on Nov. 22, the company said it would be reorganizing its customer service department and will take additional steps to have consumers acknowledge the company’s terms and conditions.
The company has failed to resolve underlying reasons for the complaints.

The BBB offers the following tips for consumers purchasing vehicle parts and other items over the Internet:

Research any company carefully by checking the Internet for consumer reviews and contacting the BBB for a BBB Business Review at www.bbb.org.
Read any agreements carefully, including refund policies and warranty information. Determine whether there is a restocking fee or other costs associated with returning a product to the supplier.
If possible, pay with a credit card in case you need to challenge a charge.

BBB Warns Timeshare Owners to Beware of Premiere Escrow Services

4/25/2011

Posted on 4/25/2011 by

Dallas, TX, April 26, 2011 – The Better Business Bureau is warning timeshare owners who are trying to sell or rent their timeshares to beware of an escrow service called Premiere Escrow Services. In addition to being named in customer complaints, the business uses a fictitious address in Dallas and a phony City of Dallas license. When BBB representatives tried to go to Premiere Escrow Services at 306 N. Akard Street, Dallas, they found the address doesn’t exist. Also, the business furnished one customer with a “City of Dallas License Certificate” signed “Richard M. Daley, Mayor” -- not the mayor of Dallas, but the mayor of Chicago.

In recent years, the number of timeshare resale services has been growing – and so have complaints. In the last 3 years, the BBB in Dallas has processed 216 complaints on timeshare resale services. Nationwide, BBBs processed 2,804 complaints on timeshare resale services in 2010. The Florida Attorney General’s office has stated that in 2010 more complaints were received regarding timeshare resale than any other issue.

“Timeshare owners who want to sell or rent their timeshare should be wary of timeshare resale services that pressure customers to pay thousands of dollars up front, claiming that buyers are at hand,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Too often, the services don’t deliver and customers can’t get refunds.”

Premiere Escrow Services has been the subject of 7 complaints from all over the country since February, 2011. In the complaints, timeshare owners report that International Properties and Resorts, Inc. (IPR), Chicago, first contacted them with a promise to rent or sell their timeshares. In some cases, IPR claimed a buyer or renter was already lined up. Then consumers were asked to wire thousands of dollars in escrow payments to Premiere Escrow Services, Inc., Dallas. Complaints allege that no buyers or renters turned up, and customers were unable to get responses to calls and emails to Premiere Escrow Services or get their money back.

The BBB mailed the complaints to Premiere Escrow Services on Akard Street in Dallas. But the mail was returned by the Post Office and now the BBB is sending complaints by email to Premiere Escrow Services. So far there’s no response. When the complaints are closed, the BBB will issue a rating on the business. If the complaints remain unanswered, the business will have a BBB rating of F, the lowest rating possible.

One complaint from a woman in Connecticut says: “The company requested an upfront fee of 10% for title release … As soon as the fee was paid, they requested more … they don’t answer their phone to clarify the situation or refund my money, a sum of $2,450.”

In another complaint, a New York man states: “My wife and I received an unsolicited phone call from a man with International Properties and Resorts Inc. of Chicago. He offered to act as our agent in the sale of our timeshare to a buyer that he had already located… We were then contacted by Premiere Escrow Services Inc. of Dallas, who said we would be required to pay a transfer fee of $1,498.00… Instead we asked for a copy of their license. They sent us a copy of a license ‘issued’ by the City of Dallas, but ‘signed’ by Mayor Daley of Chicago.”

A woman in California details how she was convinced to wire money: “I was defrauded out of $79,987 on the pretense that I was selling my timeshare for $144,537… International Properties and Resorts informed me that he had a buyer for my timeshare in Mexico. He said that I needed to first deposit $70,950 into the escrow account… Several days later he informed me that per Mexican regulations I needed to send an additional $9,037 to cover tax on the sale…. The date came and went I received no money.”

International Properties and Resorts, Inc., has a BBB rating of D+ with the BBB in Chicago. The business has been the subject of 7 complaints which have been closed as “company cannot be located”.

BBB offers the following advice to timeshare owners who are looking for help in selling their timeshare:

· Check out the business – You can check out a business at www.bbb.org. BBB Business Reviews include basic information, complaint overview, and BBB rating from A+ to F, along with the reasons for the rating.

· Confirm location and licensing – Some timeshare resellers will use fake addresses or PO boxes in order to mislead timeshare owners. Confirm where the company is located and in what states it does business. Ask if the company's salespeople are licensed to sell real estate where your timeshare is located. If so, verify this with the state licensing board.

· Get the facts on the figures – Find out if the business charges a commission. Do they handle the entire closing and provide escrow services? Do they charge an up-front listing or advertising fee? What does it cover and is it refundable?

· Be wary of upfront fees – Many complainants to BBB were burned by companies charging an advance "appraisal" fee for services or were told that they just had to pay closing costs and the timeshare would be taken off their hands. Consider opting for a company that offers to sell for a fee only after the timeshare is sold.

· Don’t fall for the hard sell or an offer that sounds too good to be true – Don’t agree to anything over the phone but instead ask the salesperson to send you written materials; take the time to think it over and don’t be pressured. Unscrupulous timeshare resellers may claim that your property is in demand and they can sell it immediately; unfortunately, these promises are often empty.

View a BBB video on “Tips on Selling Your Timeshare” at http://www.bbb.org/us/article/tips-for-selling-your-timeshare-17827.

For more consumer tips or to check out a business or file a complaint with BBB, start at www.bbb.org.

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 3 million local and national businesses and charities. For more, start at www.bbb.org.

BBB Warns Against Online Used Auto Parts Dealer

4/14/2011

Posted on 4/14/2011 by

April 7, 2011, Milwaukee, Wis. – The Better Business Bureau in Wisconsin is issuing a nationwide alert about a Cudahy, Wis.-based, online company that has received more than 150 complaints from consumers all across the country.

Complaints against Engine & Transmission World, which sells used automobile engines and transmissions through its website, have come from consumers in 40 states, with the highest number of complaints coming from California (13), Texas (11), Tennessee (9), Florida (7) and Washington (7). Three complainants are from Wisconsin.

Complaints concern product quality issues, delay in shipment and delivery of goods, refund and exchange issues, and advertising and selling practices. Consumers report receiving products that are dirty, damaged and faulty. They also report difficulty in obtaining refunds.

Engine & Transmission World, which may also do business under the name SW Engines, has an “F” rating with the BBB. The company has fifteen unresolved complaints to date.

Matthew L. of Mission Hills, California, states that he purchased an engine with an advertised 36,000 miles for $2,390 from Engine & Transmission World in August. He says he received the engine nineteen days later and noticed some problems.

“They claim that they inspect and test each engine before selling them,” he wrote in his complaint to the BBB. “Upon opening the crate I found an engine that had signs of rust all over it. They had painted the engine with a metallic color to attempt to make it look new. No way did it have 36,000 miles on it. The timing belt and spark plugs were not original and they aren’t supposed to be replaced until 90,000 miles.”

The consumer claims he ultimately had to pay an additional $1,800 to repair the damaged engine he purchased.

Gregory P. of Easton, Pennsylvania had similar complaints.

“The engine was listed as having approximately 45,822 miles on it. It was also advertised as CARFAX verified and the CARFAX would be shipped with the engine.” Gregory reported that the engine was shipped thirteen days later without the CARFAX report.

He said, “The certified mechanics that were going to install the engine took a very close look at the inner parts and overall engine and related that this engine indeed has well more than 45,822 miles on it. There are also no serial numbers anywhere on the engine which leaves it virtually untraceable.”

The consumer added that when he complained to Engine & Transmission World he was told he would be charged a 25 percent restocking fee.

“That means I would be charged $672.50 because this company is selling false promises,” he said.

In addition, multiple complainants said they incurred large labor charges after a faulty or incorrect engine was installed. However, the company responded by saying it does not cover labor charges, as per its warranty.

Engine & Transmission World responds to many BBB complaints by stating it sends the product ordered by the customer. It also says it charges a 25 percent restocking fee per its warranty and customers need to read the warranty.

The BBB has sent requests to the company asking it to address its pattern of complaints. On November 22, 2010 the BBB was informed by the company that it will be reorganizing its customer service department and will take further steps to have consumers acknowledge the company’s terms and conditions.

“However, Engine & Transmission World has failed to resolve the underlying reasons for the complaints,” said Randall Hoth, Wisconsin BBB president/CEO.

The Better Business Bureau advises consumers to always check on a company at www.bbb.org before doing business. In addition, always pay for products purchased via the internet with a credit card, which offers more consumer protections than a bank debit card.

If consumers have a complaint against this company, they are advised to file a complaint with the Wisconsin BBB, and file a dispute with their credit card company.

To check out a business or to file a complaint, start at www.bbb.org.

BBB Offers Tips to Avoid Turbulence with Storm Repair

4/14/2011

Posted on 4/14/2011 by

April 14, 2011, Dallas, TX -- Fast-moving, powerful thunderstorms swept throughout the Northeast Texas area on Sunday night, April 10, 2011, bringing high winds, rain, and hail. The Better Business Bureau offers tips for home and business owners who are coping with storm damage.

The BBB serving Dallas and Northeast Texas advises property owners to reduce the chances of even more problems by choosing repair businesses carefully. It’s not unusual after a damaging storm for unreliable contractors to target customers who need repairs. To help customers find trustworthy repair services, the BBB offers these tips:

Check with your insurance company as soon as possible to ask about policy coverage and how to file a claim. If you must make temporary repairs to prevent further damage, be sure to keep receipts.

Know the company you're dealing with. It's a good idea to get two or three bids, and compare materials, service, and guarantee, not just price. Ask for – and check out – customer references. Check out the business with the BBB at www.bbb.org or in Dallas call 214-220-2000, or in surrounding areas call 1-800-705-3994.

Be alert for "storm troopers" -- contractors who pour into town after a storm and charge high prices for shoddy work, or leave jobs unfinished. Look for these red flags: be cautious of contractors who solicit business door-to-door with vague information; don't provide a physical address or phone; or use scare tactics ("That chimney's about to fall") or high pressure ("This price is good today only").

Read and understand the contract and guarantee. Make sure you get a written estimate and contract. The contract should include a written description of the work to be done, and the price of labor and materials. If the company makes any verbal promises (such as "We'll take away the cut tree limbs"), make sure they are in writing. The guarantee should describe what's covered by the guarantee, for how long, and what the company will do to honor the guarantee.

File a complaint if needed. First try to work out problems directly with the business. If a problem is not resolved, file a complaint with the BBB at www.bbb.org or send a complaint letter to: BBB, 1601 Elm Street, Suite 3838, Dallas, TX 75201. The BBB accepts customer complaints on businesses, and sends a copy of the complaint to the business. The BBB asks the business to reply, and checks back with the customer to see if the complaint is resolved.

To check out businesses with the BBB:

For a BBB Business Review on a business, start at www.bbb.org. Click on “Check Out a Business or Charity” to search for information on a business. Or in Dallas call 214-220-2000 and in surrounding areas 1-800-705-3994. BBB Business Reviews include BBB Rating (from A+ to F), BBB accreditation status, business contact information, customer complaint history, government actions,advertising reviews, and consumer tips.

The BBB rating of A+ to F is based on 16 elements including how long the company's been in business; whether there are customer complaints, and if so, whether the complaints are resolved; whether the BBB has challenged the business's advertising claims; and more.

BBB Business Reviews also show whether businesses are BBB Accredited. To be BBB Accredited, businesses must meet BBB standards (see below). The BBB has reviews on both BBB Accredited and non-accredited businesses, and BBB accreditation is not a factor in BBB ratings.

Find a BBB Accredited Business. Want to find BBB Accredited Businesses in the type of business you need? Use the BBB Accredited Business Directory. Start at www.bbb.org and click on "Find a BBB Accredited Business". BBB Accreditation means that the BBB checked the following: Licenses, References, Advertising, Time in Business, Complaint History, Government Actions, and Owners or Principals History. BBB Accredited Businesses agree to meet BBB Accreditation Standards. These are just some of the available categories:

Roofing Contractors
Fence Contractors
Tree Service
Fire and Water Damage Restoration

Try BBB’s “Request a Quote” service. Ask for information or bids on the service you need directly from BBB Accredited Businesses. Go to the BBB Business Review on a BBB Accredited Business or to a listing in the BBB Accredited Business Directory and click on “Request a Quote.” Enter basic information to hear back from BBB Accredited Businesses.

For more consumer tips from the BBB, visit www.dallas.bbb.org/Consumer-Tips/

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit business-supported organization that sets and upholds high standards for fair business practices and works for trust in the marketplace. Businesses that earn BBB accreditation contractually agree and adhere to the organization's Standards For Trust. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Business Reviews on businesses, customer complaint resolution services, advertising review for truth in advertising, and tips and alerts for consumers and for businesses. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 3 million local and national businesses and charities. For more, start at www.bbb.org.

Be on the Lookout for Phishing Emails Following Data Breach

4/6/2011

Posted on 4/6/2011 by

If you are a customer of any one of a number of businesses that are clients of Epsilon, an Irving, TX-based email marketing service, your name or email may have been obtained in a data breach announced last Friday. Epsilon states:

“On March 30th, an incident was detected where a subset of Epsilon clients' customer data were exposed by an unauthorized entry into Epsilon's email system. The information that was obtained was limited to email addresses and/or customer names only. A rigorous assessment determined that no other personal identifiable information associated with those names was at risk. A full investigation is currently underway.”

As of April 4, 2011, Epsilon says, the affected clients “are approximately 2 percent of total clients and are a subset of clients for which Epsilon provides email services.”

Epsilon states that consumers in the US and Canada with inquiries may call 866-595-4896. Epsilon posted a news release on its website.

Businesses whose records with Epsilon may have been breached are sending notices to their customers. One business wrote:

We were recently notified by Epsilon, a marketing vendor used by [our business] to manage customer emails, that an unauthorized third party gained access to a number of Epsilon's accounts including [our] email list.

In all likelihood, this will not impact you. However, we recommend that you continue to be on the alert for spam emails requesting personal or sensitive information. Please understand and be assured that [our business] does not send emails requesting customers to verify personal information.

Which businesses may be affected? Among those reported so far: TiVo, Kroger, JP Morgan Chase, Capital One, Citi, Walgreens, LL Bean, and Marriott.

The Better Business Bureau (BBB) advises consumers to be on the lookout for phishing emails, which are unsolicited emails that appear to be from a business and ask the recipient to click on a link and submit personal information. Unsuspecting consumers who provide personal information in response to phishing emails could become victims of identity theft.

Here are some tips from BBB and 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. BBB advises that you also look on the website for the real business to see if an alert has been posted about phishing emails.

• Put your mouse over the link in the suspicious 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.

BBB suggests that suspicious or fraudulent emails can be reported to the business whose name is being used in the email.

To read the full AOL Finance article, go to: http://www.dailyfinance.com/story/market-news/epsilon-security-breach-protect-your-p/19901868/

For tips from the Federal Trade Commission (FTC) on dealing with spam email, including deceptive emails, see http://www.ftc.gov/bcp/edu/microsites/spam/

For more tips from BBB on Internet crime and protecting yourself from identity theft, visit http://dallas.bbb.org/Consumer-Tips/

BBB Warns Consumers Of Kansas Firm's Deceptive Debt Collection Tactics

4/6/2011

Posted on 4/6/2011 by
A Kansas business criticized for questionable debt collection practices is the focus of 220 Better Business Bureau (BBB) complaints across the U.S.

The BBB warns consumers to be extremely cautious when dealing with representatives of Regent Asset Management Solutions or Imperial Recovery Partners. Both have operated debt collection call centers in recent months out of the same address: 119th Street in Overland Park, Kan. Regent also had offices in Denver, Colo.

In December, a judge in Denver ruled that Regent Asset Management Solutions and its president, Michael A. Scata, were collecting debts from consumers illegally, in violation of the Colorado Fair Debt Collection Practices Act and the Colorado Consumer Protection Act. At that time, the Colorado attorney general’s office accused Scata and his firm of misleading and deceiving consumers nationwide. Two months later, the attorney general’s office returned to court, claiming that the company had ignored an order restraining its collection activities.

Regent and Imperial Recovery Partners are considered the same business by the Kansas City BBB, which has been handling complaints and working with the St. Louis BBB to investigate company operations. Regent has a BBB rating of "F", the lowest rating possible.

Michelle Corey, president and CEO of the BBB in St. Louis, said Regent ignored the law repeatedly and used threats and harassment to collect debts.

“Time and time again, this company has thumbed its nose at state and federal law,” Corey said. “In many cases, its collectors are refusing to supply even the most basic information about the debts to consumers. In other cases, it appears they are targeting people who already had settled their debts or who never owed the debts at all.”

A woman from Potosi, Mo., told the BBB that Regent representatives wrote and then phoned her numerous times about a $3,000 bank debt. Even after she confirmed with the bank that she owed no money, the calls continued. She said a representative told her, “Ma’m, we can either do this the easy way, or we can do it the hard way.”

In the past 15 months, consumers from 42 states have filed complaints against Regent. Most complaints came from California (36), Missouri and Ohio (29 each), Washington (14) and Kentucky and Oregon (13 each).

In its suit, the Colorado attorney general alleged a pattern of complaints, including consumer allegations that Regent had not supplied written disclosure of the debts or followed other requirements of the Colorado Fair Debt Protection Act.

Consumers in several states have filed federal lawsuits alleging violations of the Federal Trade Commission Fair Debt Collection Practices Act.

Last October, a U.S. District Court judge in St. Louis awarded a woman $3,600 when no one from Regent appeared at a court hearing to respond to allegations it had violated the law. The woman, from St. Louis, alleged that the company had constantly and continuously placed calls trying to collect on an automobile loan that already had been paid. Another federal judge in St. Louis awarded a second St. Louis woman more than $9,000 last year after she alleged a Regent representative made at least nine calls to her home, trying to collect on a debt she did not owe.

A St. Louis woman who said she offered to work with Regent to pay off a $500 debt told the BBB a collector told her she would be put in jail unless she paid.

Federal court cases also have been filed against Imperial Recovery Partners.

Of the 220 complaints filed against Regent and Imperial Recovery Partners, 215 have gone unanswered.

The BBB offers the following advice to consumers contacted by a debt collection firm:

Know your rights. Under federal and state law, debt collectors are prohibited from using threats of violence or harm against a person, property or reputation. They cannot threaten to garnish your wages unless they intend to do so, and cannot use phone calls to repeatedly harass you.
Ask for written proof of your debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt.
Tell the collector in writing to stop contacting you. Under federal law, a debt collector cannot continue to contact you – at work or home – once you have told them in writing to stop.
If you have a complaint, you can file with your state’s attorney general, the Federal Trade Commission (www.ftc.gov) or the BBB.
Check out a company’s BBB Business Review by going to www.bbb.org.

Direct E-Cig 'Free' Offer For Smokeless Cigarettes Turned Into A Real Drag, Consumers Tell BBB

3/30/2011

Posted on 3/30/2011 by
St. Louis, Mo., March 30, 2011 – Consumers who tried to take advantage of “free” Internet offers for smokeless cigarettes say they were burned by unexpected charges that totaled $100 or more, the Better Business Bureau (BBB) warns.

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year.
Direct E-Cig has a BBB rating of F, the lowest rating possible.

The highest number of complaints about Direct E-Cig have come from Texas (28 complaints), California (27), Illinois and Florida (26 each), New York (24) and Ohio (23). At least 16 complaints have come from Missouri.

Michelle Corey, president and CEO of the BBB in St. Louis, said Direct E-Cig failed to answer 170 of the complaints.

“The complaints point to a significant and ongoing pattern of problems with Direct E-Cig,” Corey said. “In most cases, consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more. The cigarettes may be smokeless, but there is no question that a lot of customers felt they were watching their hard-earned dollars go up in smoke.”

On its website, Direct E-Cig calls its product “a revolutionary electronic smoking device designed as a great smoking alternative to traditional tobacco cigarettes.” The site says smokers can smoke “virtually anywhere, without the flame, ash, tar or carbon monoxide.”

Direct E-Cig is among several distributors of smokeless cigarettes. Other companies also offer free or discounted starter kits and then bill customers for the full price or enroll them in an ongoing program to receive cartridge refills and other products.

In response to some of the complaints, Direct E-Cig told the BBB its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy.

Even if consumers are dissatisfied with the product and follow the return policy exactly, it appears that the so-called free trial offer will end up costing them money. The website notes that Direct E-Cig charges $7.50 for each opened or missing cartridge and a $10 restocking fee on all returns.

A woman from Villa Ridge, Mo., said she was searching the Internet for aids to help her quit smoking when she came upon a glowing review for Direct E-Cig on what she thought was an independent consumer site – Consumer Guide USA. She has since learned that the site does Internet marketing for Direct E-Cig. She said she used her credit card to pay $4.95 shipping for what she thought was a free sample of the product, but later noticed charges on her card totaling $179. She is now working with the BBB to get the issue resolved. She called the product “a piece of crap” that did not ease her smoking craving. “What scares me more than anything is they have my credit card number.”

A St. Charles, Mo., man said he signed up for the $4.95 trial offer after his son forwarded him an email about Direct E-Cig. He said he was stunned when his credit card later was billed more than $100 for the kit. “I wasn’t satisfied and I told them that, but they didn’t seem to want to listen.”

A woman from Desoto, Mo., said “I will never order anything over the Internet again” after a similar experience with Direct E-Cig.

A warning in small print on the Direct E-Cig website notes that “This product contains nicotine, a highly addictive substance. It has not been approved by the FDA as a smoke cessation device.”

The U.S. Food and Drug Administration has warned consumers about potential health risks associated with electronic cigarettes. The FDA has said the products can increase nicotine addiction among young people and may lead them to try other tobacco products including conventional cigarettes.

The BBB offers the following advice for consumers who are considering taking advantage of free or low-cost trial offers for smokeless cigarettes or other products:

Be very cautious of committing to trial offers, especially when you are asked to supply credit card information. Often, these offers require you to pay the full price for the product or automatically enroll you in an ongoing program as soon as the trial period is over.
Consumers often report difficulty canceling their agreements, even if they try to follow all requirements.
Understand that, in some cases, these companies can supply your contact information to other businesses.
Check out BBB Business Reviews by going to www.bbb.org.

BBB Warns Consumers To Use Caution When Buying Elizabeth Taylor Memorabilia

3/25/2011

Posted on 3/25/2011 by

In the hours following the death of Elizabeth Taylor, entrepreneurs undoubtedly began looking at ways to honor – and profit from – the passing of another iconic entertainment legend. The Better Business Bureau (BBB) warns that most memorabilia and commemorative items produced and sold in the wake of Ms. Taylor’s passing will decrease in value in the years to come.

“The death of a famous sports or entertainment figure often creates an immediate demand for items associated with that person,” said Michelle Corey, BBB of St. Louis president and CEO. “And while some artifacts may, indeed, see an increase in value over the years, most will not. Things like commemorative plates, coins and figurines manufactured to mark Ms. Taylor’s death likely will sell years from now for pennies on the dollar. If you want it for yourself or a family member, go ahead and buy it, but unless you are a very sophisticated buyer, don’t expect to sell later for a profit.”

The online auction site eBay listed nearly 10,000 Elizabeth Taylor-related items shortly after her death on Wednesday, including the domain name RememberingElizabethTaylor.com (priced at $15,000), a 1955 handwritten letter signed by Ms. Taylor ($7,500), a one-sheet movie poster from “Butterfield 8” ($1,295) and a 1952 Dixie ice cream lid with the star’s photo ($249).

The BBB noted a similar rush for memorabilia associated with Elvis Presley, John Wayne, Princess Diana, John Lennon and Michael Jackson after their deaths.

The BBB offers the following tips for persons buying collectibles or memorabilia following the death of a celebrity:

· Get educated. Collectors need to research the value of items before they begin purchasing them, especially if they want pieces with the potential for substantial appreciation in value.

· Confirm authenticity. Autographs can be verified by a third party, but for other items, the collector should feel free to ask the seller questions about the item, including how the seller came to own it. If the seller can’t answer simple questions, then the collector should walk away.

· Make purchases with a credit card. Consumers should always purchase items with a credit card if they are shopping online. If the seller turns out to be fraudulent, then the consumer can dispute the charge with the credit card company and may be eligible for reimbursement.

· Purchase items from a reputable seller. When shopping online stores, collectors should look for the BBB seal on Web sites and click on the seal to confirm its legitimacy. If there isn’t a BBB seal on the site, shoppers should always check a company out with their BBB before they buy at www.bbb.org.

· Be careful online. When purchasing items from an individual on eBay, research the seller’s track record by reading buyer reviews. When shopping on Craigslist, go local and never wire money as payment.

· Don’t be fooled by empty advertising claims. Just because the seller claims that the item is of limited edition, it doesn’t mean that there weren’t millions made. If the item is being widely advertised, chances are it’s too common to actually gain much value over the years.

For more BBB advice you can trust on shopping safely start at www.bbb.org.

Schools Across U.S. Complain on Denton-based Direct Business Products

3/25/2011

Posted on 3/25/2011 by

Elementary schools across the country are complaining to the Better Business Bureau about misleading sales practices by telemarketers offering school supplies from Direct Business Products of Denton, TX. Schools from Maine to Arizona complain that telemarketers falsely claim that the company is offering bargains because it’s going out of business or that a school official has OK’d the offer. Complaints also allege that merchandise isn’t the quality that was promised; that unordered merchandise is sent; or that orders are incomplete.

Direct Business Products has been the subject of 36 complaints to the BBB in the last 36 months, the BBB’s standard reporting period. Although the business responds to complaints and offers explanations and adjustments, not all complaints are resolved. The business has a BBB rating of F, due in part to the total number of complaints and the 4 unresolved complaints.

“These complaints show that even schools can be the target of schemes,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “All school personnel should be on the alert for calls using high pressure or ‘distress’ pitches such as claims that a business is closing.”

In Virginia, one school worker complained that a caller from Direct Business Products said “they were going out of business and selling office products at wholesale. When I asked for prices (2 times) they would not provide any price … Our school was sent 9 boxes of products that I did not request. We are willing to send these 9 boxes back to the company at their expense. They will not accept this.” The BBB sent the complaint to the business, and Direct Business Products declined to pay for the return. The complaint was closed as unresolved.

In another case, a school employee in South Carolina complained, “I received a phone call from Direct Business Products stating that she had talked with our financial director at our district office and that she had given permission to call all the district bookkeepers. This is a false statement … She went on to say that the company was going out of business and needed to liquidate so they were offering us office supplies at cost. The invoice I received was for $3,868.56 … Another co-worker and I double counted everything and sent it back … they are now harassing me about not sending merchandise back and are sending me bills via mail, fax and harassing phone calls.” Direct Business products said 5 boxes were returned but one box wasn’t, for a balance due of $340.56. The complaint was closed as unresolved.

The BBB offers these tips for schools and small business owners to protect their business from paying for unsolicited or unordered goods and services:

Train your staff. Advise employees who are not authorized to order supplies and services to refer any such sales people to the purchasing department.

Get it in writing. The purchasing department should be instructed not to respond verbally to unsolicited phone offers for office supplies. Require that all sales pitches be made in writing.

Check out unknown sellers. Do not deal with unknown sellers without first verifying the reliability and complaint history of the seller’s business with the BBB. To check out a business or find BBB Accredited Businesses, start at www.bbb.org.

Establish a system. Institute strict purchasing and accounting controls. Every purchase should be documented by issuing a purchase order to the supplier with an authorized signature and a purchase order number. The handling of invoices, etc. should be centralized and authorization closely checked.

Know your vendors. Keep a list of regularly used vendors. This will help to protect your business against schemers who claim that your company previously used their services.

For more tips on protecting your business from schemes, see http://dallas.bbb.org/Business-Tips-Index/

Consumers Say Capital Debt Management Took Thousands, Failed To Help Reduce Mortgage Payments

3/23/2011

Posted on 3/23/2011 by

A St. Charles County, Mo., marketing company with a troubled history in the mortgage modification business is the focus of new complaints that it convinced customers to pay thousands of dollars to help lower their home loan payments, but then did little or nothing to help them.

The Better Business Bureau (BBB) urges caution when dealing with Capital Debt Management, 3829 Veterans Memorial Parkway, St. Peters, MO. In September 2010, the company’s owner, John Jacob Ehlinger, told the BBB that his company was an innocent victim in the failure last year of Home Safe Financial Assistance, a mortgage modification company based in west St. Louis County.

Ehlinger said at that time that his company had done national marketing and sales work for Home Safe. He estimated that as many as 300 homeowners may have lost money to Home Safe when they paid for loan modification services, but got no help in modifying their loans.

Michelle Corey, BBB president and CEO of the BBB in St. Louis, said the newest round of complaints involving Capital Debt Management raises serious concerns about the firm. “For this company to be in the middle of two separate and questionable mortgage modification campaigns in less than a year is disturbing, to say the least,” Corey said. “The newest complaints appear strikingly similar to those received during the Home Safe debacle.”

Complaints about Capital Debt Management have come from several states, including Virginia, Florida, New Jersey, Ohio and Pennsylvania. Capital Debt Management has a BBB rating of F, the lowest rating possible.

Consumers say they signed up for mortgage modification services after receiving official-looking notices in the mail offering to help them cut their interest rates and house payments. Several said it appeared the notices had come from banks and other institutions where they had their loans. Some said the mailings appeared to be tied to a federal government program.

Several of the complainants said they phoned a toll-free number included in the mailing and spoke with a representative of Capital Debt Management. They said the representative offered to help them reduce their mortgage payments in return for paying up to $3,000.

Some said they notified the company within hours or days that they wanted to cancel the contract; others said they filed complaints with the BBB when they decided that they were not getting the services they had been promised. While some of the complainants ultimately received a refund, others say they did not.

“Every time I think about it, I feel like crying,” said a consumer from Elkins Park, Pa., who said he lost $2,990.

A notice received by a Bayonne, N.J., couple in December says that their home “may be eligible for special modification program guidelines created in conjunction with the 2009 Home Owner Affordability and Stability Plan.” It suggested that they could reduce their mortgage to a fixed rate of 2 percent from a variable rate of 6.1 percent and cut their monthly mortgage payment to $1,062 from $1,741.

The husband said he phoned a Capital Debt Management representative at a toll-free number and “the next thing I knew I was giving him my checking account number and they were taking out payments.” He said that after talking with his wife, he called the company back within a few days and notified it he was canceling the agreement. Still, he said, the company took out a second payment of $996.

Later, he was told that unless he supplied certain financial documents “your file immediately will be canceled.” Even though he did not supply the documents, the company eventually took a third $996 payment from his account. “I feel foolish,” he said.

The fiancé of a Navy veteran said he thought his notification was somehow connected to his pending bankruptcy. He called the toll-free number and gave his bank account number to a representative of Capital Debt Management. When he looked at the contract and learned it was not from his bank, he immediately tried to cancel. Still, a $996 payment was taken from his account. The fiancé said the company refunded his money only after he filed a complaint with the BBB.

Tom Ratz, who said he was acting chief financial officer of Capital Debt Management, said his company has been working with a company called USLMP of Huntington Beach, Calif., which does mortgage modification work. USLMP, which he says also uses the names Alliance or the Alliance Group, also has an “F” grade with the BBB, with more than 20 unanswered complaints.

He said that USLMP’s role was to handle the actual modification for the homeowners, but said USLMP “kind of dropped the ball.” He said Capital Debt Management has ended its relationship with USLMP, much like it did with Home Safe Financial Assistance, and is looking to take over servicing of the accounts itself. He said about 100 homeowners are affected. “We got them signed up, but they are not getting the service they expected,” he said. “We feel bad about what happened.” He said Capital Debt Management is no longer marketing to new customers.

Earlier this year, new Federal Trade Commission rules went into effect barring businesses from taking advance fees for home loan modification work.

On its website, Capital Debt Management says it offers forensic mortgage loan audits to help homeowners determine whether there were any violations of state or federal laws, overcharges or other problems associated with their loans. The audit then “can be used by borrowers as leverage to obtain a loan modification from the lender,” the site says.

In 2010, the FTC issued a consumer alert addressing what it called “forensic mortgage loan audit scams.” The FTC said: “There is no evidence that forensic loan audits will help you get a loan modification or any other foreclosure relief even if they’re conducted by a licensed, legitimate and trained auditor, mortgage professional or lawyer.”

The BBB offers the following tips for homeowners hoping to modify the terms of their home loans:

Beware of any company that promises to help you modify your mortgage in return for an advance fee. As of Jan. 31, such business practice is illegal.
Beware of any company asking you to pay for a forensic loan audit. These audits may not help you reduce your loan rates or mortgage payments.
Try to work with the bank or other institution that holds your loan before going to a third party.
Check BBB Business Reviews at www.bbb.org.

Don’t Fall for Gimmicks Involving Gas Saving Devices

3/23/2011

Posted on 3/23/2011 by

As gas prices continue to climb, some businesses are seeking opportunities to make money off of commuters by selling fuel boosting additives or offering engine modifications to help them conserve fuel. However, Better Business Bureau advises consumers to stay away from gas saving products and services that sound too good to be true.

Over the past decade, the U.S. Environmental Protection Agency (EPA) has tested more than 100 gas-saving devices and hasn’t identified any that significantly improve gas mileage and found some could eventually cause engine damage.

BBB recommends being particularly skeptical if advertisements claim:

Federal endorsement. While the EPA does evaluate the legitimacy of claims made by companies that produce gas savers, no federal agency actually endorses gas-saving devices or additives.
Glowing consumer testimonials. Marketing materials or Web sites for gas savers often contain consumer testimonies on the increased fuel efficiency they experienced with the device or additive, but these are often works of fiction devised by the company.
Outstanding, too good to be true claims. Consumers should be extremely wary of big promises for big savings. If a gas-saving product really could increase mileage by as much as 40 percent with little effort or money, it is highly unlikely the inventor needs to peddle the product through spam e-mails or tacky-looking Web sites.

The vast majority of gas-conserving products are not viable solutions for squeezing mileage out of vehicles, but there are some steps taht drivers can take to increase fuel efficiency and get the most out of their gas tank:

Stay within the speed limit. Gas mileage tends to decrease rapidly at speeds above 60 miles per hour.
Avoid “jackrabbit” starts and stops. Drivers can improve gas mileage around town if they avoid jerky starts and stops. This means accelerating slowly when starting from a dead stop and avoiding pushing the pedal down more than one-quarter of the way.
Air conditioning or windows? Using the air conditioner at lower speeds will decrease fuel efficiency, but, at higher speeds, open windows create significantly more drag than the AC – and can reduce gas mileage.
Remove excess weight from the trunk. An extra 100 pounds can reduce a typical car’s fuel economy by up to two percent.
Keep the car properly maintained. The engine should be tuned, tires inflated and aligned, the oil changed on schedule and the air filters should be checked and replaced regularly.

Before buying any gas-saving device or additive, BBB recommends that consumers check out the business at www.bbb.org. The BBB Business Review on a business includes basic information, the BBB Rating on a scale from A+ to F, customer experience, and any additional information.

For more money-saving advice from BBB for consumers, start at www.bbb.org.

Tips for Giving to Earthquake and Tsunami Relief Efforts in Japan

3/12/2011

Posted on 3/12/2011 by

Charities have begun making requests for contributions to help with their efforts following the Japanese earthquake and tsunami. The BBB Wise Giving Alliance offers the following tips to help Americans decide where to direct donations to assist.

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. If you want to give to a charity involved in relief efforts, go directly to the charity’s Web site. In response to Katrina, Rita and the Asian tsunamis of several years ago, the FBI and others raised concerns about Web sites and new organizations that were created overnight, allegedly to help victims.

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 sites, as they may not have fully researched the relief organizations they list. The public can go to http://www.bbb.org/charity-reviews/national/ to research charities and relief organizations and verify that they are accredited by the BBB Wise Giving Alliance and meet the 20 Standards for Charity Accountability.

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 hurricane victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. It may use some of its other funds to pay these costs, but the expenses will still be incurred.

Look for details when texting a donation. Beginning with the earthquake in Haiti, it’s become common to send a text to make a donation. Make sure you understand the amount to be donated, and whether there will be any service fees charged to your account. Be sure the offer clearly identifies which charity will receive the donation, then check out the charity.

Find out if the charity has an on-the-ground presence in the impacted areas.
Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly. See if the charity’s Web site clearly describes what the charity can do to address immediate 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 those that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to see whether they are equipped to provide aid effectively.

Check before giving clothing, food or other in-kind donations.
In-kind drives for food and clothing, while well intentioned, may not necessarily be the quickest way to help those in need – unless the organization has the staff and infrastructure to distribute such aid properly. Ask the charity about its transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance. Generally, disaster relief organizations need donations of money so the appropriate supplies and personnel – which may be different for each disaster – can be put in place.

For more tips on charitable giving, visit http://www.bbb.org/us/Donation-Tips/

Make the Right Turn after an Auto Collision

3/9/2011

Posted on 3/9/2011 by

Car accidents usually bring a load of stress, leaving motorists in need of immediate help. Therefore, Better Business Bureau | Greater Maryland, the National Insurance Crime Bureau and Maryland Attorney General are providing tips to help drivers make informed decisions after a traffic collision.

“Without the proper knowledge, consumers may fall prey to tow truck operators, mechanics and alliances looking to make a quick buck,” said Angie Barnett, president and CEO, BBB | Greater Maryland. “Review your auto coverage each time your policy renews or when you make a policy change and know what your policy provides.”

In complaints filed with BBB, accident victims allegedly received towing and repair referrals from law enforcers. The motorists reported high up-front fees, improper repairs and extended lengths of time in which their vehicles were out of service while waiting for repairs.

One victim complained that the recommended body shop failed to correct her car’s alignment and damaged key hole, left a broken panel under the steering column and grease on the car’s seats. The victim alleged she left the mechanic numerous voicemails and received no response. Unfortunately, her insurance paid the full cost of the repairs, which totaled $5,200 before any work was “completed.”

Another victim complained that a towing company needlessly transported his son’s car to a storage lot after a minor accident. The victim later learned that it would cost him $495 for 2.5 miles of towing and nearly two days of storage. Unable to afford the charges, his son could not retrieve his vehicle.

“It’s difficult to think clearly after a collision, but it’s vital to get all the facts before saying ‘Yes.’ When you allow a tow operator to carry your vehicle, you become responsible for the costs. Be mindful that the costs could exceed your coverage,” added Barnett.

Here are tips from BBB, NICB and the Maryland Attorney General’s Office to help you make sound decisions on towing and repairs following an accident:

Towing

Call your insurance agent from the accident scene.
Never give permission to a tow operator who arrives unsolicited to take your vehicle.
Do not provide a tow truck operator with personal lien holder information.
Ensure that the tow truck signage matches the name that you called and is identical to any documentation the tow truck operator provides.
If the truck is not marked, ask for identification.
If in doubt, call the company back to insure the operator is.

Repairs

Get recommendations. Talk to friends and family for recommendations. Ask your auto insurance agent, auto parts salesperson, or other business people you know.
Check the repair shop's complaint records with the Better Business Bureau . The shop you select should have a good track record of resolving any complaints.
Look for a mechanic with experience working on the same automobile model and make as yours.
Seek out a mechanic with good credentials, updated knowledge and skill. Some shops display ASE (Automotive Service Excellence) certification, which indicates the mechanic has met basic standards in a specific technical area. You can also check for shops that participate in the AAA auto service program. But be careful. An ASE test or other certification is not an indication of ethics and integrity.
Interview mechanics. Are they willing to answer your questions? Do they convey a positive, professional image? Ask if the technician or shop has experience working on the same model vehicle as yours.
Ask the shop for the names of customer references. Then call those references.
Look for a shop with a clean and well maintained repair area.
Do not pay in full until the repairs are complete.

BBB Consumer Alert: F Rated Company Sends Defective Products or No Products at All

3/9/2011

Posted on 3/9/2011 by

Fast Facts:

Customers report receiving a defective product or no product at all from Pro1 Powersports, Jackson, TN
Customers are unable to reach the company via phone or email
Pro1 Powersports has 35 consumer complaints and an F rating with the BBB

March 7, 2011, Memphis, TN – The Better Business Bureau of the Mid-South is urging consumers to use caution when dealing with Pro1 Powersports, located at 244 Gordon Street, Jackson, TN. The company has the lowest BBB rating of F. The BBB has received 35 consumer complaints against the business in the last 3 years, most of those within the last 12 months. 25 of those complaints remain unanswered.

Pro1 Powersports sells power sport equipment and accessories for motorcycles on the internet through its website www.pro1powersports.com . A company with the same owner - www.alltvlamps.com - offers lamps and bulbs for projection TVs. Both companies are under fire from frustrated consumers from several states who say they paid for products they never received.

At the time of this release, www.pro1powersports.com was not active.

Randy Hutchinson, President of the BBB in Memphis, said Pro1 Powersports has failed to address a series of consumer complaints, most of which have been reported to the BBB in the last 12 months.

“People have every right to expect to get what they order and to get it in a timely manner,” Hutchinson said. “Too often, though, these customers are receiving defective products or no products at all and they can’t reach anyone at the company to help resolve the problems.”

In fact, the FTC’s Mail or Telephone Order Merchandise Shipping Rule requires that when a company advertises merchandise, they must have a reasonable basis for stating or implying that they can ship within a certain time. If they make no shipment statement, they must have a reasonable basis for believing that they can ship within 30 days. Direct marketers sometimes call this the "30-day Rule."

In several cases, consumer complaints to the BBB alleged that the companies charged their credit cards but they never received the products they ordered. In others, complainants received a defective product. One common theme in the Better Business Bureau complaints is the inability to reach the company.

“I have been emailing and calling them every couple of days, but I have never received credit or a response,” said a woman from Wheeling, VA.

An Alpharetta, GA woman said that www.alltvlamps.com sent her a lamp that didn’t work. “They never planned on replacing it for me and/or helping me to receive replacement. They never responded to my emails, phone calls, and their website has been down for days,” she told the BBB.

A man from Oklahoma City said he made an online purchase from Pro1 Powersports but never received his item and now cannot get in touch with the company. “I spent $107.00 and have never heard a peep out of the company. I have faxed, phoned and emailed several times and have nothing in return,” he told the BBB.

The BBB offers the following tips for persons ordering items online:

· Before ordering anything online, make sure you can contact a live person via email or phone. If you have trouble reaching someone before you buy, you likely will have trouble reaching someone later if you have a concern with your order.

· Make sure you can confirm a physical business address. Buyers should be very cautious of any business unwilling to provide an address on its site.

· Pay by credit card whenever possible. That way, if you do not receive your order, you have a better chance of getting your money refunded.

· Check out any company’s record with the BBB before you do business with them. BBB Business Reviews can be accessed online at www.bbb.org.

Visit BBB at Great Big Texas Home Show

3/8/2011

Posted on 3/8/2011 by

March 11-13, 2011
Cowboys Stadium

Visit with BBB at the Great Big Texas Home Show this weekend at Cowboys Stadium and see how to check out businesses, get lists of BBB Accredited Businesses, and learn timely consumer tips.

Representatives from the Better Business Bureau serving Dallas and Northeast Texas will be on hand at Booth 500 during the show. BBB reps will demonstrate how to go online to check out a business by viewing the BBB Business Review on the company.

BBB reps also will show how to use the online BBB Accredited Business Directory for detailed lists by type of business, targeted by city.

Stop by and take a look. We’ll be happy to see you!

Here are the show details:

Great Big Texas Home Show

Cowboys Stadium

March 11-13, 2011

www.greatbigtexashomeshow.com

Friday, March 11 – 10 AM – 9 PM

Saturday, March 12 – 10 AM – 9 PM

Sunday, March 13 – 10 AM – 6 PM

Cowboys Stadium

925 N. Collins St.

Arlington, TX 76011

Admission

Adults - $15 on site, $12 online

Children 6-12 - $6

Chldren 5 and under – Free

Single tickets valid for 1 day of the show

Parking - $10

Identityflash.com Racks Up Complaints Over Sales Practices

2/25/2011

Posted on 2/25/2011 by

‘Consumers from over 25 states including Texas, California, New York, Florida, Kansas, North Carolina, and New Mexico are complaining to the Better Business Bureau at Fort Worth about IdentityFlash.com, a company which allegedly uses deceptive sales practices.

According to complaints, consumers are lured by being told they have won a prize and need to pay $12.95 for shipping and handling and are eligible for a seven-day free trial of Identityflash’s identity theft prevention services. Some consumers allege they were not told paying for shipping and handling starts the trial period. If consumers do not cancel the service within the seven day period, their credit cards are charged $99 for the annual service.

IdentityFlash.com, a Granbury, TX-based company, has a BBB rating of F due to the volume of complaints, failure to respond to complaints, and overall complaint history.

The website, IdentityFlash.com, now only displays the words “It Works” on the site with no further information. In December 2010, their site was more robust. They claimed to offer services which “Provide products to insure you in the event that you become a victim of identity theft and tools to help you restore your good name at a very affordable price and flexible payment terms.”

Now, IdentityFlash.com services are available at an alternate website —www.ResortsofDistinctionIdentityTheft.com. In fact, Resorts of Distinction states on its homepage, “When you order identityflash.com, you will begin your free trial membership. If you don’t cancel your membership within the 30 day trial period, you will be billed $89.00 for a one year membership.”

Identityflash.com and its owners, Farris and Elizabeth Wheat, also do business as A. M. Eagle Company, Apollo Satellite, CCJC Group, Inc., RebatesRUs and more than a dozen others which are all listed on the BBB Business Review for IdentityFlash.com at www.fwbbb.org.

The BBB at Fort Worth advises if you suspect you have been a victim of identity theft, there are several immediate steps to take to reclaim and protect your good name including:

Place a fraud alert on your credit reports with each of the three credit bureaus, Experian, Equifax and Transunion
Close the accessed accounts
File a police report

To prevent your identity from being stolen, take the following actions:

Regularly review your financial statements for suspicious activity
Shred documents with personally identifying information such as credit card applications, bank deposit slips, etc.
Close all unused credit accounts, do not just cut up the cards
Ask companies not to sell your information.
Order a copy of your credit report annually from each of the three credit bureaus.
Never give out personal information over the phone to someone you do not know.

Protecting your identity takes on-going diligence, but is also one of the best investments you will ever make. Before you do business with any firm, check out the BBB Business Review on the business.

To check out a business, find BBB Accredited Businesses, read timely tips and alerts, or file a complaint, start at www.bbb.org.

Discount Clubs Debited Bank Accounts Of Payday Loan Applicants

2/24/2011

Posted on 2/24/2011 by
St. Louis, Mo., Feb. 15, 2011 – Some Internet discount clubs that promise to save members hundreds of dollars a month on purchases ranging from computers to pizza are under attack from consumers who say the clubs took money from their bank accounts after they applied for online loans.

The Better Business Bureau (BBB) suggests extreme caution when dealing with any online loan business that asks for bank account numbers. More than 600 consumers in 44 states have filed complaints against Liberty Discount Club of Scottsdale, Ariz., in the past 12 months. Most complainants said they never intentionally enrolled in the club. Many said they never heard of the company until they noticed money missing from their bank accounts.

Another Scottsdale business, 777 Discount Club, also known as 777 Web Discount Club, is the focus of similar complaints from consumers. The BBB says it has closed more than 270 complaints against that business in the past 12 months.

Both Liberty Discount Club and 777 Web Discount Club have “F” grades with the BBB, the lowest grade possible. Both have ties to Scottsdale businessman Moe Tassoudji.

“It should be criminal,” said a housewife from Bellflower, Mo., in Montgomery County, west of St. Louis. She said Liberty Discount Club took money from her bank account without her OK. “They got into my account and stole $50. This happened so fast.”

The BBB in Phoenix reports that Liberty Discount Club failed to respond to more than 500 of the complaints. Fifty California residents filed complaints. Ohio was next with 41 complaints; Pennsylvania had 40; Texas, 39, and Florida, 37. Twenty of the complaints came from Missouri and 26 from Illinois.

Michelle Corey, BBB president and CEO of the BBB in St. Louis, said many consumers filing complaints already are facing economic crises.

“Nearly all of them are people who are desperate to take out high-interest online loans simply to survive,” Corey said. “For a business to use that vulnerability to victimize them again is reprehensible.”

Many Liberty Discount Club complainants said they went online either to search for loan information or to apply for loans. They said they had no interest in enrolling in a discount club and did not know they were enrolled until they found money taken from their bank accounts.

Several said they had dealt with a company called Last Chance Cash Advance of Manchester, Tenn. The firm has an “F” grade with the BBB. Several consumers who contacted Last Chance Cash Advance said Liberty Discount Club or related businesses debited their bank accounts. Others said they were charged by an ID theft protection company, even though they did not intend to contract with that company.

Consumers accessed the Last Chance Cash Advance site through the website of Amnesty Financial of Indianapolis, Ind. That company has a “D” grade with the BBB. Mail sent to Amnesty Financial was returned, marked “insufficient address.” A Phoenix BBB report said Amnesty Financial was using the BBB Accredited Business logo even though it was not a BBB accredited business. The logo was still on the site last week.

A woman from Bonne Terre, Mo., said she applied for a loan through Last Chance Cash Advance only to have money debited from her account by Liberty Discount Club. “Next thing I know, $34.19 has been deducted from my checking account which causes four of my checks to bounce and $140 in overdraft fees. I need to know why these two businesses are still being allowed to operate.”

A St. Louis woman said Liberty Discount Club took $40 from her bank account after she applied for an online loan. “I called Liberty and asked who gave them authorization to do that,” she said. She said she told a company representative, “I don’t even know who you are.” She said she never again will give out her banking information online. “You never know what you’re signing up for.”

A woman who identified herself as Erin Sullivan, a supervisor at Liberty Discount Club, told the BBB that Liberty operates a “cross sales” business with online loan sites.

She said consumers applying for loans must specifically opt out of membership or they are enrolled automatically. If they do not respond to a follow-up e-mail allowing them to withdraw, their accounts are charged, she said. She acknowledged a problem with the system and said, ”We’re planning to fix the website.”

The Liberty Discount Club website shows a woman holding an infant and a bag of groceries. “How this Mom saved $100s per Month,” the site says. The club says it works with more than 150,000 brand-name stores and offers discounts for dining, shopping, entertainment and communication items.

A testimonial says, “We Saved $356 This Month” and shows a photo of a young African-American couple. They are identified as Sarah and Rob Jones of Burlington, N.C.

The same family photo, names and testimonials are also used for a variety of other online discount club sites, including Discount Club 247, Key Discount Club, Saving Club 247, Web Savings Club, Your Local Savings Club and Unlimited Local Savings. The same testimonial also is used for a discount club called Perks 2 U. In that case, however, Sarah and Rob Jones are pictured as a young Caucasian couple.

The BBB offers several suggestions for consumers searching for online loans:

Because these short-term loans almost always carry high interest rates, you might want to exhaust other alternatives before applying.
Never pay an advance fee in exchange for a promise of a loan. These are almost always scams and, once you have paid, you likely will never hear from the thieves again.
Be extremely cautious when giving out any personal information online, such as Social Security and bank account numbers, especially to companies you do not know. Be alert for websites that force you to give that information before even telling you whether you qualify for a loan.
Read all information on the site very carefully, searching for hidden fees or disclaimers. Often, a company’s “Terms and Conditions” can be several pages long and contain critical information for consumers.
Understand that many disreputable companies exaggerate or entirely fabricate testimonials. Be suspicious of testimonials and ask for references you can call and speak with.
Contact the Better Business Bureau for Business Reviews on businesses by going to www.bbb.org.

Aggressive Debt Collectors Harassing Consumers Nationwide

2/24/2011

Posted on 2/24/2011 by
BBB Warns Consumers to Take Precaution and Guard Personal Information

San Antonio, TX - February 11, 2011 – In the past three months, BBB has received 11 complaints from consumers nationwide regarding aggressive phone calls from United Legal Alliance, a company that claims to be based in San Antonio, Texas. BBB has issued the company an F rating due to the number of complaints filed against the business.

Complaints filed with Better Business Bureau allege that consumers have received phone calls from company representatives and were threatened with legal action or arrest if they did not immediately settle an unpaid debt or set up a payment plan. Several consumers were intimidated into allowing the company to debit as much as $800 from their bank account. Other consumers refused to pay and requested written substantiation of debts or receipts of payments made but never receive them. Many consumers have stated that the debts this company attempted to collect from them are not valid.

Due to the insufficient company contact information provided, BBB has been unable to track down a company representative to address the 11 recent complaints. The San Antonio building address the company provided to consumers appears to be non-existent and the phone number provided with a (210) area code is only answered by a recording device. Messages left on the recording device have not been returned.

Click here for United Legal Alliance’s current BBB Business Review.

BBB advises consumers to follow the tips below to avoid problems with debt collection agencies:

1) Ask Questions About the Debt. If the caller does not tell you who they work for, where the actual debt is from or which business hired them to collect the debt, these are signs the caller may be trying to scam you.

2) Request Written Proof. Ask the caller for written documentation about the debt and also request they stop contacting you. The Fair Debt Collections Practices Act requires a debt collector to give you a validation notice within 5 days of contacting you about a debt.

3) Don’t Give or Confirm Personal Information. Quite often the purpose of a phony debt collection scam is to steal your identity or your money. Until the caller can send you written proof, never give them your personal information.

4) Tell BBB. You can file a complaint online at bbb.org if you believe a scammer has contacted you to collect a phony debt.

To check out a business, find BBB Accredited Businesses, see tips for consumers, or file a complaint, start at www.bbb.org.

In the News: BBB on Dateline about Air Duct Cleaning Scams

2/8/2011

Posted on 2/8/2011 by

A BBB investigation of the practices of some air duct cleaning businesses was featured Sunday, January 30, 2011, in The Hansen Files, on NBC's Dateline. Michele Mason of the Better Business Bureau in Huntsville, AL, reports that some air duct cleaning businesses advertise low prices but switch customers to much higher prices services. The scam often targets senior citizens, and the hidden camera investigation shows that some customers paid for services they didn't receive. Click on the links below to see the segment and watch a Web exclusive chat with Ms. Mason about the BBB's findings.

Part 1:

http://www.msnbc.msn.com/id/3032600/vp/41303490#41303490

Part 2:

http://www.msnbc.msn.com/id/3032600/vp/41303740#41303740

In an online exclusive, get a closer look at air duct cleaning scams, and learn how you can avoid them, with Michele Mason of BBB in Huntsville, AL.

http://www.msnbc.msn.com/id/3032600/vp/41283060#41283060

Restaurants Targeted in Super Bowl Party Scam

1/31/2011

Posted on 1/31/2011 by

With Super Bowl XLV fever at its peak, scammers are trying to cash in on the frenzy by targeting restaurants and catering companies using an old scam - the TTY relay scam - under the guise of placing orders for Super Bowl parties. The BBB warns that any business could be a victim of a similar scam.

The Better Business Bureau in Wisconsin reports that over the weekend, a restaurant in Oak Creek, WI, received a large order for food to be delivered during a Super Bowl party. The customer used the TTY relay system, a system which enables hearing impaired people to use a telephone with the help of a relay operator.

The customer wanted to use a credit card to pay for the order and told the owner that, since the delivery company the customer was using didn’t accept credit cards, the restaurant would need to pay the deliverer in cash but would be reimbursed by adding the charges to the customer’s credit card bill.

The BBB warns that this is a common scam targeting businesses nationwide. Typically, the scammer is posing as a “customer” and using a stolen credit card. The money that the business pays the deliverer (a co-conspirator) is lost, in addition to the loss taken by the business when it fulfills the order.

“Restaurants and caterers should be especially careful this week when they receive lots of orders for Super Bowl parties,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. "Don't let the lure of a big order distract from guarding against this type of credit card fraud."

As the Green Bay Packers and Pittsburgh Steelers prepare for the big game at Cowboys Stadium, the BBB advises that businesses to watch for these “red flags”:

• The order is placed using the TTY relay system. Scammers often use the TTY relay system as a way to mask their real identities and things such as foreign accents or broken English.

• The “customer” asks the business to wire money to, or pay in cash, a third-party – such as a delivery company. When the credit card is discovered to be stolen, the business will lose the money it paid out-of-pocket to the third party.

BBB offers the following advice to business owners to help identify fraud over telephone relay services:

• If the customer is using a TTY Relay Operator, ask the customer for his/her full name, address and telephone number.

• Ask the customer to provide the name of the issuing bank and its toll-free customer service number as printed on the back of all credit cards.

• Ask the customer for the three or four digit Card Verification Code that is found near the account number on the back or front of a credit card.

• Tell the customer that you will check with the bank and call them back. When you do that, keep good notes. Verify all information the customer provides. If a customer objects, explain that these procedures are for their protection, as well.

• If the customer still objects to providing any of the above information, abandon the conversation and advise that you are not prepared to do business this way.

For more tips on avoiding schemes aimed at business, start at http://dallas.bbb.org/Business-Resources/

‘Hope For Car Owners LLC’ Leaves Consumers Hopeless

1/28/2011

Posted on 1/28/2011 by

More than 1,600 consumers have inquired to the Better Business Bureau in the past year about Hope For Car Owners LLC of Folsom, CA. Complaints to the BBB claim that after the company took $200-$400 in advance fees for a car loan modification, consumers were instructed by the company to avoid contact with their lender and in some cases, to hide their car from repossession agents. The promised car loan modificaitons weren't received.

“The company told me to ignore my lender, avoid making my car payments, and to hide my car,” lamented one Roseville, CA, victim. “After receiving collection calls every few days, I talked to my lender who told me they hadn’t even been contacted by Hope For Cars. They’ve ruined my credit and my mom’s credit as my cosigner.”

The Better Business Bureau serving Northeast California has received 20 complaints in the past year. Of those complaints, two were refunded their money after the company failed to renegotiate their loan. All complainants stated that the loan modifications were never performed and that they were unable to obtain refunds from Hope For Car Owners LLC.

“I paid $200 upfront and the company told me the negotiations were going well,” bemoaned a victim from Carmichael. “Two weeks later my car was repossessed.”

In California, if a consumer’s car is repossessed, the creditor has the right to sell the vehicle to recover some of the money lost after repossession. Owners of repossessed vehicles may be responsible for any deficiencies created after the sale of the vehicle if the vehicle sells for less than the amount owed on the vehicle.

“It’s unbelievable that this company would instruct their customers to avoid making their car payment, knowing that the customer’s vehicle can be repossessed,” said Gary Almond, President of the BBB in Sacramento, CA. “Do not pay money upfront. Do not avoid contact with your lender.”

The company’s website claims to have saved thousands of consumers millions of dollars. The business professes to have a 99% success rate and offers a “No Dispute Money Back Guarantee” even though the contract states that retainer fees are “non refundable.”

The Better Business Bureau serving northeast California warns consumers trying to renegotiate their debt to beware of companies who advise you to avoid communicating with your lender or to stop payments. Contact the BBB to check out a business BEFORE you make your decision or to get a list of credit counselors accredited by the BBB. The BBB’s reports provide a BBB rating (from A+ to F), information about complaint history, if any, and licensing information.

To check out a business, find BBB Accredited Businesses, see tips and alerts, file customer complaints, or report false advertising, start at www.bbb.org.

Businesses Beware Malware in Responses to Online Job Postings

1/28/2011

Posted on 1/28/2011 by

The Federal Bureau of Investigation (FBI) warns that emails containing malware are being sent to businesses concerning their online job postings. The FBI reports that cyber criminals are engaging in ACH/wire transfer fraud and are targeting businesses by responding via email to employment opportunities posted online.

According to the FBI, more than $150,000 was stolen from a U.S. business via an unauthorized wire transfer as a result of an email the business received that contained malware. The malware was embedded in an email response to a job posting the business placed on an employment website and allowed the attacker to obtain the online banking credentials of the person who was authorized to conduct financial transactions within the company.

The scammer changed the account settings to allow the sending of wire transfers, one to the Ukraine and two to domestic accounts. The malware was identified as a Bredolab variant, svrwsc.exe. This malware was connected to the ZeuS/Zbot Trojan, which is commonly used by cyber criminals to defraud U.S. businesses.

Employers should stay up-to-date on their virus protection. Running a virus scan prior to opening any email attachments from a potential employee could provide more security.

The FBI recommends businesses use separate computer systems to conduct financial transactions.

Anyone who believes they have been a target of this type of attack should contact their financial institutions, the FBI, and report it to the Internet Crime Complaint Center website at www.IC3.gov.

For more tips from BBB on data security, see “Data Security – Made Simpler” at http://www.bbb.org/data-security/

Don't Let Scam Artists Score on Super Bowl Sunday

1/28/2011

Posted on 1/28/2011 by

Every year at the Super Bowl, between 100 and 250 fans discover – too late – that they’re holding phony tickets to the big game, according to the NFL.

To ensure you’re not left standing outside Cowboys Stadium come game day, the Better Business Bureau serving Northern Colorado and Wyoming advises ticket-buyers to use caution in purchasing Super Bowl tickets and travel packages. For example:

• Try to deal with “official” sources for tickets such as those endorsed by the teams or those that are members of the National Association of Ticket Brokers. These businesses carefully screen ticket offers and take other measures to protect consumers from ticket fraud.

• Verify the location of the seats against a seating chart to avoid nonexistent seats or seats with obstructed views.

• Pay with a credit card or a secure form of payment in case you need to dispute charges.

• Avoid buying tickets from someone who asks you to pay with Western Union, which can happen on such sites as eBay and Craigslist. Try to buy from someone local and pick up the tickets in person. If this is not possible, ask the seller to e-mail or fax you a copy of the actual tickets before making a payment. Make sure the tickets have the correct date, time, location and seat details.

• Avoid tickets from a seller who is not located in the United States, especially if the listing is poorly written and full of spelling and grammatical errors.

• Under the Department of Transportation's Truth in Ticketing rule, travel companies that advertise Super Bowl packages must have the tickets in hand or a written contract to receive them. If a travel operator sells a package that includes game tickets and then fails to provide them, customers are entitled to a full refund, including airfare and hotel.

• Verify that any travel agent with whom you are dealing is a member of a recognized trade association.

To check out a business, find BBB Accredited Businesses, see tips and alerts, file a customer complaint, or report false advertising, start at www.bbb.org.

Shop Safely for Jewelry This Valentine’s Day

1/28/2011

Posted on 1/28/2011 by
Austin, TX – According to the U.S. Census Bureau, there are 26,683 jewelry stores in the United States. BBB files indicate that there are nearly 500 jewelry retailers in Central, Coastal and Southwest Texas. Altogether these businesses generated over 250 complaints to the BBB in Austin in the past three years.

During February of 2010, Census reports also showed that jewelry stores sold more than $2.4 billion in merchandise. While many people plan to purchase jewelry for loved ones again this February for Valentine’s Day, BBB reminds consumers to research jewelry retailers before making final purchases.

Complaints about jewelry retailers generally allege that the products ordered are not delivered in the timeframe estimated on the date of purchase. Other complaints suggest that requests for refunds or clarification on the status of orders are not addressed satisfactorily. Consumers also claim that jewelry repair companies often further damage their jewelry or frequently fail to return it on time. The complaints received allege concerns ranging in dollar value from $20 to $9,900.

BBB offers consumers the following advice when shopping for jewelry:

-- Check out www.bbb.org to review company reputation and history.

-- Be wary of any advertisements that sound too good to be true.

-- Ask for price estimates and jewelry grading reports in advance.

-- Review all warranty, guarantee and insurance policies.

-- Get all purchase details, including return and exchange policies, in writing.

To check out a business, find BBB Accredited Businesses, see tips and alerts, file a customer complaint or report false advertising, start at www.bbb.org.

‘Sunrise Nissan Auto Dismantling’ Leaves Cars In Pieces

1/28/2011

Posted on 1/28/2011 by
The BBB serving Northeast California has received over three dozen complaints from consumers across the country against Sunrise Nissan Auto Dismantling of Rancho Cordova, claiming to receive incorrect or defective merchandise, if any, and despite promises - no refund.

The company’s website claims that “all parts are tested and guaranteed for six months” and that they “Provide Quality Used And New Auto Parts,” yet consumers state that not only are incorrect parts sent, some parts arrive damaged or defective, or unusable.

One Stockton consumer said: “I paid $450 for a short block for my vehicle, and then a mechanic $750 to install it. The mechanic told me the short block arrived broken, so now I’m out the $750 for installation on top of what I paid for the part.”

Others claim the guarantee is difficult to effect. One local customer, who is not alone with this complaint, said: “I paid Sunrise Nissan $64 for a front strut for my Nissan Sentra, and when I went to install it, it was completely the wrong part. I returned on three separate occasions and they told me their policy was ‘no refunds, no exceptions'."

Although the parts many receive are incorrect or defective, consumers claim the company will not cover the return shipping fees which often amount to hundreds of dollars. Even so, when some customers made the effort and paid to ship the item back, the promised refund never materialized. One Colorado man said: “I bought a faulty transmission for $700 and they said they’d give me a refund if I sent it back... I’ve been waiting for my refund for five months and now they’re dodging my phone calls.”

“When a company makes a guarantee, consumers assume they will stand behind it,” said Gary Almond, President of the BBB in Sacramento, CA. “Rightfully so, consumers are frustrated that this company fails to live up to their guarantee.”

In the past 12 months, the Better Business Bureau has received over 81 inquiries about Sunrise Nissan Auto Dismantling who currently has an F rating with the BBB for receiving 37 complaints in the past 36 months and for failing to respond in 35 instances. In two instances, the company offered a refund.

For BBB Business Reviews and for information about BBB services, visit www.bbb.org.

In the News -- Super Bowl Hotel Rooms and Home Rentals Going Fast

1/26/2011

Posted on 1/26/2011 by

Now that Green Bay Packers and Pittsburgh Steelers fans know they’re headed for Super Bowl XLV, those fans may be scrambling for local homes. Reporter B J Austin of KERA-FM, Dallas - Fort Worth, says North Texas homeowners are advised to research the profits and pitfalls before trying to cash-in on the Big Game.

The story tells how one Arlington family found Green Bay Pay Packers fans to rent their home near Cowboys Stadium. The Arlington homowners are taking steps to make sure the rental goes smoothly.

Jeannette Kopko of the Better Business Bureau in Dallas says people may be so excited about the first time the Super Bowl is played in North Texas that “they may not look into it as carefully as they might at other times. And the scammers know this. So they advantage of that.”

Kopko said that homeowners in Kentucky recently got taken by a company that didn’t get their homes online in time for the Equestrian Olympics, or the information wrong. The company disappeared with the upfront payments of dissatisfied customers.

To read or listen to the story, see http://www.publicbroadcasting.net/kera/news.newsmain/article/1/0/1754214/North.Texas/Super.Bowl.Hotel.Rooms.and.Home.Rentals.Going.Fast

To find BBB Business Reviews, see lists of BBB Accredited Businesses, find tips and alerts, report false advertising, or file a customer complaint, start at www.bbb.org.

In the News -- Protect Yourself from Super Bowl Scams

1/25/2011

Posted on 1/25/2011 by
Buy tickets from a reputable seller, beware of pickpockets — and enjoy the game

"Scammers who rip off Super Bowl fans with fake tickets, non-existent hotel rooms and counterfeit souvenir merchandise have become part of the game," reports Harriet Baskas of msnbc.com.

She offers tips for Super Bowl visitors on tickets, getting to the game, finding a place to sleep, buying souvenirs, and staying safe.

Looking for tickets online? “There are ticket sites that pop up around the games and then disappear later,” said Jeannette Kopko, spokesperson for Better Business Bureau serving Dallas and Northeast Texas. “Keep in mind that even if a website looks lovely, that’s no guarantee. Do your homework and make sure there’s actually a ‘there’ there.” One place to start: the “ Check out a business or charity” link on the BBB website.

To read the full story, see:
http://www.msnbc.msn.com/id/41234974/ns/travel-destination_travel

In the News -- Sky-High Super Bowl Ticket Prices

1/25/2011

Posted on 1/25/2011 by

North Texas football fans, Cheeseheads and thousands from the Steeler Nation are sparing no expense to see the Super Bowl at Cowboys Stadium on February 6, 2011, reports Susy Solis of NBC5-TV, Ch. 5, in Dallas - Fort Worth. Tickets on the outside plaza go for $200, while tickets inside the stadium start at $2,500 and go up to $135,00 for suites.

But some buyers will end up with counterfeit tickets. The Better Business Bureau of Dallas suggests fans buy from a brick-and-mortar business in person or a from a trusted website and use a protected credit card so there is a paper trail.

The BBB said sellers wanting buyers to pay with a wire transfer is a red flag. "Sometimes you'll see an online ad that says, 'Wire the money. Go down to Western Union right away,' and that's a favorite method for scammers to use," BBB spokeswoman Jeannette Kopko said.To see the story, click here:
http://www.nbcdfw.com/news/sports/Swank-Super-Bowl-Venue-Sky-High-Ticket-Prices--114518179.html

To check out a business, see lists of BBB Accredited Businesses, read tips and alerts, or file a complaint, start at www.bbb.org.

For tips from the NFL on how to tell if your Super Bowl ticket is legit, see:
http://www.nfl.com/superbowl/story/09000d5d81d40d6a/article/how-to-tell-if-your-super-bowl-ticket-is-legit

BBB Teams Up with Chris Hansen, Dateline This Sunday

1/25/2011

Posted on 1/25/2011 by
This Sunday, January 30th at 6 PM Central Time, Dateline presents "The Hansen Files."

With the help of the Better Business Bureau, Dateline's hidden cameras take a special look into a nationwide ring of air duct cleaning companies. This brazen scam -- one that has thrived for more than a decade -- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly.

Dateline discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as volunteers call one of the rogue companies. What you'll see next will surprise you, as these air duct cleaners take the volunteers to the cleaners! But the technician will be in for a surprise when Chris Hansen shows up to expose them.

Online Tutoring Company Targets Students

1/25/2011

Posted on 1/25/2011 by
San Antonio, TX - January 24, 2011 – Students working hard to get ahead or preparing for year-end tests like the TAKS or SATs are turning to online sources for help. However, the Better Business Bureau in San Antonio, TX, warns students to be wary of TutorNext, an online company which earned an F rating from BBB for failure to respond to a pattern of recent complaints.

Complaints to BBB allege poor quality of tutoring services and difficulty connecting to a tutor despite the claim of “24/7 service.” One student stated they waited four hours for a tutor to become available. Other students say TutorNext automatically renews monthly memberships resulting in unauthorized charges of up to $200 on their credit cards. Students further allege that TutorNext does not honor requests for cancellations or refunds. BBB reports the company has failed to respond to all 6 of their complaints filed in the past seven months. Click here for TutorNext’s current BBB Business Review.

The company claims to offer one-on-one supplemental education services for K-12 and college students at www.tutornext.com. The website invites students to ask questions about math, English or science and states, “Connect to a Tutor for Free!” When asked about the free tutoring services, the company replies that the services are no longer free and require a subscription.

TutorNext does not provide a mailing address on their website and encourages students to contact them via email or by a toll-free phone number. In addition, the company's terms of service, available on their website, make reference to the “jurisdiction for any court action (being) in the State of Karnataka,” a state in South West India. A BBB investigation also found that the company’s website is registered in Canada. Consumers are warned the company may not be operating from a United States-based location.

When looking for an online tutoring company, BBB recommends the following:

· Start With Trust - Consumers can visit bbb.org to check on a company’s reputation and record for customer satisfaction. You can look for the BBB Seal and click to confirm that it is valid.

· Read the Fine Print – Make sure to understand a company’s full refund policy and how to contact them with any issues.

· Confirm Your Online Purchase is Secure – Consumers 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 website, BBB recommends right-clicking anywhere on the page and selecting “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the website is encrypted.

· Pay with a Credit Card – Under federal law, consumers have dispute rights for unauthorized charges. In addition, many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals their credit card number and uses it.

For BBB Business Reviews, to find lists of BBB accredited businesses, or to file a complaint, start at www.bbb.org.

In the News: Be On Alert for Fake Super Bowl Tickets

1/24/2011

Posted on 1/24/2011 by
Fans of the Pittsburgh Steelers and Green Bay Packers looking for Super Bowl XLV tickets should be alert for fake ticket scams, the Better Business Bureau tells The Dallas Morning News.

“Anytime there’s a big event in the news, scammers will focus on that and catch you off guard,” Jeannette Kopko of the BBB in Dallas said. “If it sounds too good to be true, trust your instincts and don’t buy.”

For tips on how to watch out for fake tickets, see
http://www.dallasnews.com/sports/super-bowl/local/20110122-be-on-alert-for-fake-super-bowl-tickets.ece

For tips from the NFL on how to tell if your Super Bowl ticket is legit, see
http://www.nfl.com/superbowl/story/09000d5d81d40d6a/article/how-to-tell-if-your-super-bowl-ticket-is-legit

To check out a ticket broker, start at www.bbb.org.

In the News -- Super Bowl Home Rentals

1/9/2011

Posted on 1/9/2011 by
Super Bowl XLV will be played in Cowboys Stadium in just a few weeks. Some homeowners in the Dallas area are hoping to score big by renting out their homes to Super Bowl visitors, reports Steve Pickett on CBS11-TV, Ch. 11.

One way to advertise homes is through online classifieds like Craigslist. Another is to pay an upfront fee to online home rental services that match up homeowners with special event visitors. The BBB advises homeowners to check out those services at www.bbb.org.

“We know there have been complaints in years past on some home rental companies, for not listing properly, not listing accurately [and] people not getting the rental they expected to get,” explained Jeannette Kopko, with the Better Business Bureau.

To see the story on CBS11-TV, click here:
http://dfw.cbslocal.com/2011/01/06/houses-up-for-grabs-during-super-bowl-week/

For tips on home rental services, click here:
http://dallas.bbb.org/article/bbb-offers-tips-on-checking-out-super-bowl-home-rental-services-21536

To check out a business, see a directory of BBB Accredited Businesses, or to file a complaint, start at www.bbb.org.

Tune in Sunday: BBB and Dateline NBC Expose Nationwide Air-Duct Cleaning Scam

1/5/2011

Posted on 1/5/2011 by

This Sunday, January 9th at 8pm/7pm CT, "Dateline" presents a new feature, "The Hansen Files." With the help of the Better Business Bureau (BBB), Chris Hansen and "Dateline's" hidden cameras uncover secrets and scams -- taking a special look into a nationwide ring of air duct cleaning companies. This brazen scam -- one that has thrived for more than a decade -- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly.

"Dateline" discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as volunteers call one of the rogue companies.

Tune in to see what happens next!

BBB Lists Top 10 Scams and Rip-Offs of 2010

1/3/2011

Posted on 1/3/2011 by

Dallas, TX, January 4, 2011- The Better Business Bureau today released a list of the top 10 scams and rip-offs of 2010. Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.

“With the economy still on the mend, scammers had a field day targeting struggling families who were looking for work and trying to make ends meet,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “While some of the most popular scams are perennial problems that have always plagued consumers, some new additions to the list are signs of our tough economic times.”

Following, in no particular order, is BBB’s list of top scams and rip-offs that took advantage of consumers and small business owners across the U.S. in 2010:

Job Hunter Scams– Scams targeting job hunters vary and include attempts to gain access to personal information such as bank account or social security numbers and requirements to pay a fee in order to even be considered for the job.

Debt Relief and Settlement Services – BBB warned consumers in 2010 to seriously consider third-party assistance for getting out of debt. These companies often require upfront fees and potentially leave the consumer drowning in even more debt. Complaints to BBB about debt relief and settlement services increased by approximately 30 percent in 2010, according to tentative year-end estimates.

Work from Home Schemes– Some work from home schemes promise to teach the secrets to making money online, others claim you can make money assembling items at home or get paid to be a mystery shopper. Some victims even found that their opportunity to work from home was a job to fence stolen goods. The end result is that instead of getting paid, you can end up losing hundreds—if not thousands—of dollars

Timeshare Resellers– Complaints to the BBB about the timeshare industry—including deceptive resellers—increased by over 40 percent according to 2010 estimates. Timeshare owners who are desperate to get rid of their costly vacation property are being targeted by companies that claim they have an eager buyer. The company tells the seller they just have to pay up to several thousand dollars to cover fees. After paying the fees, the seller never hears from the company again.

Not So “Free” Trial Offers – Misleading free trial offers online for diet supplements, penny auctions and money making schemes blanket the internet resulting in thousands of complaints ever year. The free trial offers seem no-risk but complainants state they were repeatedly billed every month and found it extremely difficult to cancel.

Itinerant Home Repair/Roofers– BBBs across the country received complaints from consumers who answered a knock from a door to door salesman or itinerant worker who eventually failed to deliver on promises to fix their roof or conduct other work to the home. Complaints to BBB about roofing companies increased by roughly 40 percent in 2010, according to tentative estimates, due in part to one company that solicited door to door, American Shingle, which received nearly 1,000 complaints nationwide after going bankrupt and not providing new roofs to angry customers.

Lottery and Sweepstakes Scams– The victim—often a senior citizen--receives a letter in the mail or phone call from someone pretending to be with Reader’s Digest, Publisher’s Clearing House or a phony foreign lottery. The scammer claims that the victim has won millions but must first wire hundreds or even thousands of dollars back to the scammers to cover taxes or some other bogus fee. The victim wires the money, but the prize never arrives.

Identity Theft– There are any number of ways a person can become a victim of identity theft. Through low-tech theft, phishing emails, vishing phone calls, smishing text messages, or even through no fault of your own as the result of a corporate data breach, millions fall victim to identity theft every year.

Advance Fee Loan Scams– A perennial problem, advance fee loan scams prey on consumers and business owners who are struggling financially. Victims are told they qualify for large loans but must pay upfront fees—often more than a thousand dollars. The victim wires money to the scammers, but never receives the loan.

Over-Payment Scams- Over-payment scams typically target small business owners, landlords or individuals with rooms to rent and sellers on classifieds or sites like Craigslist. The scammers overpay the amount for the services or products and then ask the victim to wire the extra amount back to them or to another fraudulent entity. Ultimately though, the check is forged and the victim is out the money wired back to the scammers.

Consumers or small business owners victimized by a scam can contact their local BBB or file a complaint at bbb.org. Always research a business with BBB before you sign any contracts or hand over any money.

About BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB business reviews, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 3 million local and national businesses and charities. Please visit www.bbb.orgfor more information.

Many Happy Returns -- Tips for Gift Givers and Gift Recipients

12/22/2010

Posted on 12/22/2010 by

As shoppers check off the final names on their Christmas shopping lists, Better Business Bureau notes that not all gifts are winners. Some gifts will be returned to merchants for refunds or exchanges. BBB offers tips for both gift givers and gift recipients to help make the return process go smoothly.

Tips for gift givers

Ask the store about its return policy. Can a customer obtain a refund, a store credit, or exchange for unwanted merchandise? How long does a gift recipient have to return the item? Some stores have different policies for holiday purchases.

Ask for a gift receipt and enclose it with the present. Most stores require a receipt for returned items, even gifts. Ask for a gift receipt to include with the present. A gift receipt provides all the details about the purchase – except the price. With a gift receipt, the recipient won’t know what you spent unless they want to return the item. The gift receipt will also ensure that the recipient receives full credit for the price you paid, instead of any reduced prices that may be in effect after the holiday. And before you start wrapping, be sure not to remove electronics or similar products from their boxes as the original packaging may be required for a return.

Do not assume the regular return policy applies to sales or clearance items. Some merchants consider sales items to be final, so ask to be sure. If you are the gift recipient, do not assume you have the right to return or exchange an unwanted present. Like the shopper, you are bound by the merchant’s return policy. Health regulations, which can prohibit the return of hats and intimate apparel, also apply.

Ask about restocking fees. Some merchants charge a restocking or “open box” fee for returns of electronics products or large-ticket items. Ask if that is their policy. Restocking fees can be as high as 25 per cent of the purchase.

Look for a posted return policy when shopping online. If returns are permitted, find out what procedures and timeframe need to be followed. Many online retailers will post their return policy on their website. If you can’t find one, ask.

Save your receipts. Whether you are the giver or the receiver, be sure to save your receipts and know the return timeframe. You likely don’t have to brave the crowds the day after Christmas, but don’t wait too long to return the item.

Tips for gift recipients

Get in there. Return items promptly, whether in-store or to online merchants. After-holiday sales may limit the choices for exchanges, so you want to get into stores as soon as possible. Most return policies have an expiration date, which may be shown on the receipt. Returning an item promptly helps make sure that the return policy will be honored.

If available, bring the receipt and packaging. If the gift giver has provided the receipt or a gift receipt, be sure to bring it with the item. Leave items in original packaging if possible. When returning something purchased online, check first to make sure you kinow the procedures and policies for returns.

Be flexible. If a refund isn't available, you may still get a store credit or be able to make an exchange. Ask to see the return policy and see what options are available. If you don't have a receipt or gift receipt for an item, understand that the return policy may be limited.

Speak up. If a merchant isn't honoring a return policy, ask for a manager and try to work it out.

To check out a business, see lists of BBB accredited businesses, view consumer and business tips and news, or file a complaint, start at www.bbb.org.

Phony Calls Claim to Be from BBB Asking if Businesses Are Moving

12/9/2010

Posted on 12/9/2010 by

Businesses across the country are getting phony calls claiming to be from the BBB, asking if the businesses are planning to move. "The calls are not from the BBB, and the source and purpose of the calls are unknown," said Jeannette Kopko, BBB serving Dallas and Northeast Texas spokesperson. “BBB advises businesses to proceed cautiously with any unknown callers.”

This week Better Business Bureau in Dallas heard from a law firm that received over a dozen calls in the past two weeks. The callers said they were from the Better Business Bureau and were updating records. The callers wanted to know if the law firm is moving. Although the business told the callers it isn’t moving, the callers keep calling back. The law firm reports that the caller ID on the calls displays all zeros.

Similar bogus calls have been reported to the BBB in Minnesota over the last few months. And the BBB serving Alaska, Oregon and Western Washington has heard from several businesses about the calls. A couple of the businesses actually were planning a move, and the callers kept asking for their new address and additional details. However none of the businesses that were called have been able to obtain more information from the callers.

The BBB wants businesses to know that BBB does not call to ask if businesses are moving, and any calls from BBB are clearly identified. Businesses can check with their local BBBs to verify any calls claiming to be from BBB, or to report any questionable calls.

Businesses can be targeted by a number of different schemes, including wire transfer scams, directory schemes, office supply schemes, and more. For BBB tips on schemes against business, see http://www.bbb.org/us/article/some-scam-artists-target-businesses-526

Five Mistakes to Avoid When Donating to a Charity

12/8/2010

Posted on 12/8/2010 by

Arlington, Va. -- Every holiday, billions of dollars are donated to worthy causes and now more than ever charities need the support of donors to help those who are struggling. The BBB Wise Giving Alliance advises donors on how to avoid five common mistakes in order to ensure their dollar stretches the farthest in these tough economic times.

“With so many people out of work and in need, it’s extremely important that you maximize the impact your holiday donations have by avoiding the common giving mistakes,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “A smart donor takes a hard look at a charity’s programs, finances and governance before making a donation. While almost all charities have the best of intentions, not all organizations meet standards or are well managed.”

BBB Wise Giving Alliance recommends that donors avoid these common mistakes when donating to a charity this holiday:

Assuming that only “low overhead” matters. How much money a charity spends on the actual cause—as compared to how much goes toward fundraising and administration—is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.
Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don’t just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB’s 20 Standards for Charity Accountability.
Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.
Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item’s acceptability, call the charity and ask.
Mistaking a charity’s identity. With so many charities in existence, their names can blur in a donor’s mind and similar-sounding organizations are common. Be sure you know which charity you’re supporting and that it’s not a case of mistaken identity.

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

For more information or to schedule and interview with a spokesperson on charitable giving, contact Alison Southwick at 703-247-9376 or asouthwick@council.bbb.org

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

"Warning to Veterans!!" Email is a Fake

12/7/2010

Posted on 12/7/2010 by

Someone pretending to be an attorney with the U.S. Department of Veterans Affairs (VA) is sending an email to military veterans “warning” them against using the services of a group called Veterans Affairs Services. BBB Military Line, a complaint resource specialized for the military and their families, has received several inquiries about the email.

The email appears to come from, “Michael G. Daugherty, Staff Attorney with the Department of Veterans Affairs, Office of General Counsel (022G2)”. The email header, however, shows that it was sent by Jon Thompson with an email address of jkt6@comcast.net.

BBB Military Line officials have confirmed with the VA that Michael Daugherty is, in fact, an attorney with the VA Office of General Counsel but did not send the email and that no emails of this nature are being sent by the VA.

It is reasonable to suspect that the email may be an attempt to upload a virus as it contains a Facebook link directly beneath the first paragraph of the message.

The BBB advises anyone who receives this email not to click on the link. Never click on links in emails that are from unknown sources as they may contain viruses. Such viruses are typically designed to steal private information from your computer. Also, the VA advises veterans seeking the assistance of a VA-recognized service organization for purposes of submitting a claim for VA benefits to search at the General Counsel’s accreditation search page: http://www4.va.gov/ogc/apps/accreditation/index.asp.

Three Debt Relief Companies Charged by FTC with Deceptive Claims

12/3/2010

Posted on 12/3/2010 by

Three debt relief businesses based in Dallas were named in Federal Trade Commission (FTC) complaints on December 2, 2010. Financial Freedom Processing, Debt Consultants of America, and Debt Professionals of America were charged with making unsubstantiated claims and failing to reduce credit card debt as promised. The FTC complaints allege that the defendants made deceptive claims that consumers who enrolled in their programs could eliminate 30 to 60 percent of their credit card debt and be out of debt in 18 to 36 months. The actions are pending.

The businesses have been the subject of numerous customer complaints to the Better Business Bureau in Dallas. Complaints are concerning dissatisfaction with the company's service and misrepresentation of the results of the debt negotiation program. Specifically, customers complain that paying the company fee and following the debt negotiation program does not reduce debt, as stated by company representatives. As a result of the program, customers complain, they have an increase in debt, due to late fees or additional interest, and negative credit reporting.

“Consumers who are looking for help to manage or reduce their credit card debt should proceed carefully,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Be aware that there are a number of different kinds of services for help with credit and debt issues. Find out what services a business or organization offers, and understand the terms of the offer to help you decide if a service is right for you. Look into your options and be wary of guarantees.”

Financial Freedom Processing, formerly doing business as Financial Freedom of America, has a BBB rating of F. Reasons for the rating on Financial Freedom Processing include:

Length of time business has been operating.
110 complaints filed against business
10 complaints filed against business that were not resolved.
3 serious complaints filed against business.
Government action(s) against business.

In addition to the FTC complaint, Financial Freedom of America, Inc. entered into a settlement in Vermont in November, 2009. According to the Vermont Attorney General, the business made unsubstantiated claims online about the results they could achieve for consumers. The business agreed to make refunds to its Vermont customers and to complete negotiations with creditors of its Vermont customers.

Debt Consultants of America has a BBB rating of F. Reasons for the rating include:

Length of time business has been operating.
63 complaints filed against business
Government action(s) against business.

Debt Professionals of America also has a BBB rating of F. Reasons for the rating include:

Length of time business has been operating.
16 complaints filed against business
Government action(s) against business.

The Better Business Bureau advises that consumers looking for help with credit card debt should be wary of anyone who tells them to stop paying their bills, to pay someone other than their creditors, or to stop talking to their creditors. Complaints filed with the BBB on debt relief companies are concerning misrepresentation, unsatisfactory service, and difficulties with refunds.

The Federal Trade Commission (FTC) recently announced changes to the Telemarketing Sales Rule that prohibit companies that sell debt relief services over the telephone from charging fees before they settle or reduce a customer’s credit card or other unsecured debt. This ban on advance fees protects all consumers who enroll in a debt relief service after October 27, 2010, and specifies that fees for debt relief services may not be collected until:

• the debt relief service successfully settles or changes the terms of at least one of the consumer’s debts;

• there is a settlement agreement, debt management plan, or other agreement between the consumer and the creditor that the consumers has agreed to; and

• the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

The FTC rule also calls for companies that sell debt relief services over the telephone to disclose the fees and terms, including how long until the company makes an offer to each creditor; how much you must save before an offer is made to a creditor; and the possible negative consequences of stopping payments to creditors.

The FTC warns consumers to avoid doing business with any company that promises to settle your debt if the company:

• charges any fees before it settles your debts

• touts a "new government program" to bail out personal credit card debt

• guarantees it can make your unsecured debt go away

• tells you to stop communicating with your creditors

• tells you it can stop all debt collection calls and lawsuits

• guarantees that your unsecured debts can be paid off for just pennies on the dollar

For tips on handling credit and debt, contact the FTC at 877-382-4357 or www.ftc.gov. The FTC offers "Tips on Settling Credit Card Debt" online at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre02.shtm

Also, the National Foundation for Credit Counseling offers financial education and counseling at 800-388-2227 or www.nfcc.org.

To check out a business or file a complaint with the BBB, start at www.bbb.org.

Company Claims Amarillo Location to Rip Off Consumers Nationwide

12/3/2010

Posted on 12/3/2010 by

BBB in Amarillo, TX, has issued an F rating to an Internet-based business called auto-mall-inc.com, which claims to be located in Amarillo. The Web site is offering repossessed vehicles at unusually low prices, but the business isn't located at the address it claimsto be in Amarillo.

Better Business Bureau in the Texas Panhandle has received six complaints from consumers across the country in the month of November. The complaints state that consumers sent thousands of dollars to auto-mall-inc.com for the purchase of a vehicle but have not received the vehicle as promised. Consumers further allege they are not able to speak directly with the company.

BBB reports that auto-mall-inc.com has received over 1,240 inquiries in the past month. Inquiries are requests from consumers for information about a business.

BBB investigation shows that the phone number on the company’s Web site has a Houston area code. When called, a recording indicates that all operators are busy and the caller should get in touch with the company using online means only.

“An unusual amount of increased traffic to this report has caused us concern,” said Janna Kiehl, CEO of the BBB in Amarillo. "Consumers have notified us of their concerns with this Web site’s claims of extremely low pricing on vehicles, their inability to complete their online transactions especially when asked to speak to a live operator and the claim that no credit cards are accepted as payment, only bank to wire transfers are accepted. Consumers have also contacted BBB Amarillo stating their concern after viewing the Web site."

“We are working with law enforcement including the Amarillo Police Department who has also fielded numerous calls pertaining to this Web site,” said Kiehl. “We want to do everything we can to protect consumers and businesses who are victims of these types of aggressive tactics.”

Consumers should be aware that a business named Auto Mall in Amarillo is not related or otherwise affiliated with auto-mall-inc.com. The address shown on the auto-mall-inc.com Web site is a former location of Auto Mall in Amarillo. However, Auto Mall in Amarillo has not operated at this location for several years.

“In fact an entirely different, unrelated business is at that address,” said Kiehl. “We believe the online company has ‘hijacked’ or stolen the location and name in order to appear legit.”

The F rating issued for auto-mall-inc.com applies to auto-mall-inc.com and not Auto Mall in Amarillo.

Click here to view the BBB Business Review on auto-mall-inc.com.

BBB offers these tips when shopping for a vehicle online:

· Search www.bbb.org for trustworthy businesses.

· Ask for a contract in writing and review it carefully before sending any money.

· All promises should be in writing and included in the contract.

· Pay with a credit card whenever possible.

· If an offer sounds too good to be true, it probably is. Trust your common sense!

BBB Calls World Reserve Monetary Exchange Ads Offering Free $2 Bills Misleading

12/2/2010

Posted on 12/2/2010 by

St. Louis, Mo., Dec. 2, 2010 - Consumers hoping to cash in on an advertised offer of “absolutely free” $2 bills may end up frustrated and disappointed, the Better Business Bureau (BBB) warns.

The company behind the ad is World Reserve Monetary Exchange, Inc., of Canton, Ohio. “St. Louis area zip codes turn up free cash for residents,” said the headline on the advertisement which ran last month in the St. Louis Post-Dispatch. “Valuable uncut sheets of Missouri state $2 bills are actually being given away free.”

Michelle L. Corey, president and CEO of the BBB in St. Louis, said the only way to get the $8 in so-called free money is to buy 12 additional $2 bills at a cost of nearly $160. “It may sound bizarre, but this company is banking on people willing to pay $160 cash in return for $32. If you’re looking for novelty items to show your friends or family, you might be interested. But if you are looking for an investment, this is probably not the wisest choice.”

World Reserve Monetary Exchange and several affiliated businesses, including Universal Syndications, Inc., have advertised in newspapers and other publications nationwide, including Missouri and Illinois. The company is a division of Arthur Middleton Capital Holdings of Ohio and Miami Beach, Fla., according to the holding company’s website. The holding company also oversees companies that have sold controversial Heat Surge heaters, healthcare plans and “free” digital TV converter boxes. The TV converter box ads were labeled misleading and confusing by the Columbus, Ohio, BBB in 2008.

More than 300 consumers have filed complaints against Universal Syndications/World Reserve Monetary Exchange with the BBB. Many of the complaints dealt with concerns over misleading ads, high-pressure sales tactics, an inability to get refunds and difficulty getting the company to stop charging for additional products.

Since 2007, attorneys general in at least three states have taken action against the firm. Connecticut Attorney General Richard Blumenthal that year called on consumers to reject the company’s “phony discount offer” for sheets of $1 bills, as advertised in full-page newspaper ads. In May 2008, Massachusetts Attorney General Martha Coakley obtained an agreement from the company to stop running misleading coin and currency advertisements.

In July 2009, Pennsylvania Attorney General Tom Corbett reached an agreement calling for the company to stop misleading advertising and to refund money to consumers. Corbett said the company’s full-page newspaper ads offering millions of dollars in surplus cash were deceptive. “These advertisements led people to believe that they could claim cash that was ‘up for grabs,’ but that was not the case at all,” Corbett said.

The newspaper ad for the $2 bills says: “St. Louis area residents who find their zip code on the distribution list will feel like they just won the lottery. That’s because for the next 48 hours, full uncut sheets of Missouri state overlaid $2 bills are being handed over free . . . directly to St. Louis area residents who beat the deadline.”

The ad quotes Jefferson Marshall, executive director of the private World Reserve. “Residents who want to get the free bills had better hurry and call now,” he said.

A company representative who spoke by phone to a BBB investigator posing as an interested consumer suggested that he purchase as many of the bills as possible. “I think it is a very good investment, and that’s why we are offering it,” she said. “Our lines have been really, really busy today with people making these purchases.”

The representative said that the only way to get the four free $2 bills was to purchase a set of 12 of the bills for $158.88, with shipping. She said she would process an order for five sets of the bills, never indicating the total cost of more than $700.

Robert Kravitz of Chesterfield, Mo., a board member of the Missouri Numismatic Society, a national board member of the Society of Paper Money Collectors and a coin and currency dealer and collector for 40 years, said the offer is misleading. Kravitz noted that millions of $2 bills are available at face value and said the addition of the overlays of the Gateway Arch and St. Louis skyline actually would reduce the value to a serious collector. “These $2 dollar bills are never going to be worth more than two bucks,” he said.

A resident of Fredericktown, Mo., told the BBB that he had responded to a July advertisement offering the Missouri overlaid $2 bills. He said he thought he was getting 16 of the bills for $61, but received only four.

A week later, the man received a package with an Oregon overlaid $2 bill and discovered the company had enrolled him in an ongoing $2 bill program that would charge his credit card $98 a month for six months, even though he never agreed to the program. After waiting on the phone for more than an hour, he ultimately was able to pull out of the program and get a refund.

A man from Union, Mo., said he phoned the toll-free number on the ad, in hopes of taking advantage of what he thought was an offer of free money. When he found his zip code among those listed, he said he thought, ‘hey, here’s my zip code; maybe I’m going to get something for free.’” Instead, he ended up giving a debit card number to a representative and soon after found his account debited nearly $800. He said he called the company and believes he was able to cancel the order. “I was a fool,” he said.

A woman in Brooklyn, N.Y., told the BBB that her 86-year-old father was victimized by the company this summer. She said he agreed to give his credit card number to a friend at his senior citizen center in order for her to buy some of the bills. Soon after receiving his order, the company sent him a second much larger shipment of the bills that he never ordered. The daughter said the company had begun charging monthly payments of more than $100 for the merchandise. She credited the BBB with helping her resolve the issue.

Officials with World Reserve Monetary Exchange declined to respond to questions from the St. Louis BBB regarding the advertisement.

The BBB suggests that consumers buying items offered as collectibles be extremely cautious. It offers the following tips when dealing with such advertised offers:

Read the entire ad carefully, looking for disclaimers and other information that indicates the offer may not be what it seems. Make sure you understand exactly what you are ordering and how much it will cost, including shipping.
Be wary of any offer that indicates the merchandise is a collectible and may increase in value. New items that are sold as collectibles often lose value.
Be cautious of any company that advertises free merchandise. Such offers usually are contingent on purchasing other items.
Be cautious of any company that advertises a time limit when offering merchandise. That is often done to create a false sense of urgency for the consumer.
Contact the BBB for business reviews by going to www.bbb.org.

Advance Fee Loan Scam Falsely Uses Memphis Address

12/2/2010

Posted on 12/2/2010 by

In this holiday season, when many consumers are looking for extra cash for gifts and other purchases, advance fee loan companies are preying on unwary consumers, taking their money for the promise of a loan or credit, and leaving them with nothing. The BBB of the Mid-South is warning consumers about an advance fee loan scam that is falsely using the address of some legitimate Memphis businesses. The scam company, Pillar Stone Equity Group, claims to be located in East Memphis. Bill Oates, owner of the property, says that is not true.

The company’s website contains no address or phone number, but the BBB has obtained copies of documents faxed to consumers that claim the company is located at 704 W Brookhaven Circle. Oates says there is no business by that name at that address.

“That is my property and I have two tenants at that address who are legitimate businesses,” Oates told the BBB. “Please help me dispel any concerns that those businesses are in any way connected to this scam, because they are not.”

Oates has received calls from several out-of-state consumers and one bank who became suspicious of the company. The BBB has received over 160 inquiries on the company in the last 30 days and rates the company F.

The BBB of the Mid-South was contacted by a Kentucky woman who wired $770 to the company as advance payment for a $5000 personal loan. She also gave the phony company her bank account information so they could deposit the funds. No funds have been received and now she can’t get in touch with the company. “They’ve blocked calls from my phone number,” she told the BBB. “I believe I’ve been had.”

“Advanced fee loan scams require that consumers pay money up-front to secure a loan, which is illegal,” said Randy Hutchinson, President of the BBB of the Mid-South. “Once they wire the funds to the company, the loan money never arrives, and the victim is out any funds they wired.”

Two signals that can indicate the illegitimacy of a given company are promises of loan approval prior to receiving the customer’s application and charging advance fees for the loan. Additionally, advance fee loan scams frequently use delivery methods other than the US Postal Service in order to avoid being detected and prosecuted by postal authorities.

The BBB reminds loan seekers to keep the following tips in mind:

Check the reputation of any company with the BBB prior to entering into a transaction with them.
Legitimate lenders will never guarantee or promise a loan before you apply for one, especially if you have a poor credit history or no credit record at all.
Be wary of giving financial information to a company you are unfamiliar with, via phone, email or other means.
Never wire money to someone you don’t know.

Keep in mind that it is against the law for a company to ask you to pay – or accept payment – for the company’s services until you receive your loan.

If you believe you have been the victim of an advance fee loan scam, you are advised to contact:

Your local BBB - in Memphis call 901-759-1300 or 800-222-8754 or go to www.bbb.org
Your state Attorney General – in Texas visit www.oag.state.tx.us or from within Texas call (800) 621-0508
The Federal Trade Commission at www.ftc.gov
File a complaint with the FBI at www.ic3.gov.

Warning: Employment Scam Found in Several States

12/1/2010

Posted on 12/1/2010 by

The BBB warns job seekers to beware of a Help Wanted scam that’s luring applicants to send money by wire transfer. Applicants are told that they’re hired, but must wire money to the employer for a plane ticket to guarantee that the job hunter will show up for an interview.

Job applicants should never have to wire money for expenses. Once the money is wired, it’s in the hands of the scammers and job seekers can’t get it back.

Job scams that ask applicants to wire money for travel expenses typically advertise high-paying or adventurous jobs, and often claim the jobs are overseas. Through the years, such job scams have advertised jobs as forest rangers, deep sea fishermen, swimsuit models, flight attendants for private planes, and others.

Recently a job seeker called the BBB in Richmond, VA, about this ad:

“Managers for Negotiations and contracts department of large natural gas drilling corp. Manager will lead a large staff which will negotiate with land owners the mineral rights for our gas drilling. Must have strong leadership and/or organizational skills. Richmond Locations. Excellent Salary and Benefit Package. Call 651-282-7411

The job seeker said that when he called, he was told that he had the job but needed to wire the company the price of his plane ticket to ensure he would show up for his interview.

The customer was directed to use 310-967-7959 (registered as a landline in Beverly Hills, CA) as a point of contact once he sent the money over by Western Union. Luckily, the consumer didn’t send the money.

The BBB in Richmond checked online and found similar ads running for different positions (travel agent, restaurant manager, etc.) with the same number in several cities: San Francisco, CA, Columbus, OH, Baltimore, MD and Hunt Valley, MD.

The BBB advises that sending money by wire is extremely risky when you’re dealing with a stranger or an unfamiliar business. Money transfers happen to be the preferred payment method of scammers. Why? Simply because wiring money is fast, irreversible and virtually untraceable.

Money sent by wire can be in the scammer’s hands in a matter of minutes. Typically, there’s no way to reverse a wire transfer once the money has been picked up and tracing where the money goes is nearly impossible. The receiver is not always required to show identification or even provide a verifiable mailing address. Scammers know they can pick up the money at virtually any location (from Cleveland, OH to Kolonia, Micronesia), so it’s just about impossible to pinpoint exactly where the scammers are operating in time to stop the transaction.

For more red flags on job scams, see these tips from the BBB: http://www.bbb.org/us/article/scams-target-job-hunters-in-weak-economy-21901

Generate Goodwill and Help a Charity through Cause-Related Marketing

12/1/2010

Posted on 12/1/2010 by

Cause-related marketing is a great option for small business owners to help a charity and generate goodwill for the company. Whether it’s donating proceeds from sales to a charity or encouraging customers to give, BBB Wise Giving Alliance recommends that small business owners consider the benefits of partnering with a worthy cause.

According to The Chronicle of Philanthropy, at the close of 2008, 60 percent of small business owners reported that the tough economy had affected their charitable giving. When times are tight, businesses may need to get creative about helping charities. Cause-related marketing is a great option for businesses that can’t necessarily write a big check.

The recent breast cancer awareness month is a great example of the impact of cause-related marketing. Bright pink ribbons were everywhere in October as businesses donated proceeds from regular sales or for limited edition pink items.

Embedded giving is another way that businesses can partner with charities to raise money. Embedded giving is common at stores where customers are asked if they want to donate to a charity at check out and then the desired amount is tacked onto their total.

“Times are tough for small business owners, but that doesn’t mean they can’t be good corporate citizens and help out a worthy cause this holiday,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “By partnering with a charity, small businesses can help raise awareness as well as money for the cause and generate goodwill for the company in the process.”

Before soliciting donations on behalf of a charity, or engaging in any cause related marketing efforts, the BBB Wise Giving Alliances offers the following advice to small business owners:

Do your research
When choosing a charity to donate to, always research the organization thoroughly. Visit their website and look for details on the charity’s programs, finances, and governance. Always check the charity out with the BBB Wise Giving Alliance to see if they meet the 20 Standards for Charity Accountability.

Get formal permission from the charity
Charities are trademarked entities, so before you place their logo all over your marketing materials, contact the charity to get permission to use their name and likeness. They might also have ideas for cross promotion or additional ways you can help out.

Include the right disclosures
At some point prior to the purchase, the customer should be presented with the following information:

How much from each purchase will go toward the charity.
The time frame for the campaign.
If applicable, the minimum or maximum amount that the charity will receive.

For more advice on being a savvy donor and to review BBB Wise Giving Alliance evaluations on more than 1200 national charities, visit www.bbb.org/charity.

Alert to Business -- Area Car Dealer Approached in Telephone Relay Scam

11/30/2010

Posted on 11/30/2010 by

A car dealer in Northeast Texas who was targeted recently in a telephone relay scam has reported the details to the BBB serving Dallas and Northeast Texas to help warn other businesses. Telephone relay scams prey on all types of businesses and aim to convince businesses to send money to the scammer who is posing as a customer or service provider.

The car dealer said the attempted scam began when his business received a phone call through the telephone relay service for speech- and hearing-impaired persons. In a relay call, the caller inputs one side of the conversation and the telephone relay operator reads the message to the person being called. When the person being called replies, the relay operator inputs the reply to the caller. The person being called hears only the telephone relay operator, not the caller's voice.

The car dealer said the the relay caller asked the car dealer to pick up a vehicle for repair. Then the schemer emailed:

"I could have paid the tow guy but I want you to do this for me due to I am in the hospital. I was down with a diagnosis of cancer of the lungs. As such I had to spend sometime in the intensive care. That why I want you to help me. Charge my card for the cost of deposit and the towing company charge that will tow the vehicle to your workshop, as a personal favor because I need the car to be ready for pickup by the time I leave the hospital. Are you ready for my credit card now ... "

Another email said:

"Thanks so much. And that is my Dad private towing guy that is why. Just help me done what I need everything will be good so what information u will need to done that."

The caller continued to call via relay wanting to know when the vehicle would be picked up. But by then, the car dealer realized the story wasn't holding together. A little research online revealed that the calls and emails fit the pattern for a telephone relay scam.

In the case of the car dealer, the schemer asked the car dealer to charge the scammer's credit card number for a deposit on repairs and for the "private towing guy". As a favor, the schemer asked the car dealer to wire the money for towing directly to the "private towing guy." But the "private towing guy" is non-existent -- the money would have gone directly to the scammer.

A BBB alert in 2009 notes that "Businesses that are being targeted by this scam vary. BBB has heard from caterers and restaurants in Washington and Idaho, transmission shops in Tennessee, and awning companies in Colorado, who all received calls from scammers using relay services ..."

One example came from the BBB Serving Central Georgia which received a call from a glass company that unfortunately fell victim to this scam. Over a telephone relay, the scammer made a special order for $4,000 worth of glass. The company ordered the glass from the manufacturer but became suspicious when the customer requested that the glass company wire payment to a shipper after deducting the amount from the credit card number provided. The glass company was able to track down the real owner of the credit card who didn’t even realize their number had been stolen. Luckily the glass company did not wire any money to the shipper—which was actually the scammers—however, the company was out the $4,000 spent on the glass.

BBB offers the following advice to business owners to help identify fraud over telephone relay services:

• If the customer is using a TTY Relay Operator ask the customer for his/her full name, address and telephone number.

• Ask the customer to provide the name of the issuing bank and its toll-free customer service number as printed on the back of all credit cards.

• Ask the customer for the three or four digit Card Verification Code that is found near the account number on the back or front of a credit card.

• If the customer still objects to providing any of the above information, abandon the conversation and advise that you are not prepared to do business this way.

For more information on this and other scams targeting small business owners, visit BBB online at http://dallas.bbb.org/Business-Tips-Index/.

BBB Warns Job Seekers about Phony Job Offers

11/15/2010

Posted on 11/15/2010 by

“Earn from Home without Stress!”

“Work from Home with No Stress!”

The BBB is warning consumers to be on the alert for phony newspaper ads offering work-at-home opportunities. Two phony offers appear to come from an organization in Memphis called St. Patrick’s Mission. The job being offered is a part time position as a “cash representative” and supposedly would pay qualified applicants $150 per assignment. The job involves receiving payments on the company’s behalf in the form of checks, then cashing them and remitting the funds to one of their representatives via money order.

A woman in Dallas, TX, answered an ad in The Dallas Morning News. The response she received surprised her. “They immediately sent me a check for $2235 and wanted me to deposit it, keep $235 and send the rest to one of their associates,” the woman told the BBB in Memphis. “It just seemed weird.”

When she contacted the company for more information, she was told that St. Patrick’s Mission “is an Irish Organization. This is 100% legal. We have just a single office here in the United States … It is a charity home where we take care of homeless, orphans and the less privileged.”

The address given for St. Patrick’s Mission is an apartment in East Memphis. There is no St. Patrick’s Mission registered with the State of Tennessee Division of Charitable Solicitations and Gaming.

The woman said the check came from Virage Logic Corporation in Pataskala, OH. However the company actually located at that address is a travel company named Please Go Travel/Cruise Cottage. The envelope bore a postmark from a Boca Raton, FL, post office and the associate she was to forward the money order to was in Smyrna, GA.

“This has all the earmarks of a scam,” said Randy Hutchinson of the BBB in Memphis. “The addresses and company names don’t match up and the email contains several grammatical errors. Another red flag is the request to deposit the check and wire some of it back to the company.”

A similar job offer caught the attention of a man in Memphis. He responded to an ad last month for an executive assistant with experience with QuickBooks, accounts payable and inventory.

“My background is in accounting and bookkeeping, so this looked like a perfect fit,” the man told the BBB. “I emailed my resume as instructed and was hired.”

The job would take just two hours a week, the job seeker was told, and he would be purchasing items for the owner, who said he was out of the country. The man received four money orders totaling $3800 and was instructed to deposit them in his bank account and await further instructions. The instructions finally arrived.

“He wanted me to purchase a $200 iPod for his son, keep $250 for my weekly salary and Western Union $3350 to one of his part-time employees in Birmingham AL, all ASAP,” the man said. “It just didn’t smell right.”

The job posting claimed the position was with a “growing international business.” However, a Google search for the company – Reynolds Durfee, Inc. – only turned up job listings in multiple cities and states. The BBB could find no information to verify that this is a legitimate company.

In both of these instances, the “employees” were asked to deposit funds into their bank accounts and wire the money to someone else. When the checks they deposited bounced, they would have been out the money they wired. Both were too savvy to fall for the pitch.

“There’s no legitimate reason for anyone sending you money to ask you to wire some back,” said Hutchinson. “And you should never wire money to someone you don’t know.”

The BBB recommends that job seekers keep the following tips in mind:

Just because an offer appears on a legitimate job-hunting site like Career Builder or Monster.com doesn’t mean the job itself is legitimate.
Beware of vague job descriptions or postings littered with grammatical errors.
Be wary of any job that offers high pay for little work.
Don’t ever allow your bank account to be used for wiring funds.
Posting your resume on job-seeker websites may result in scam emails and text messages.

For more on fake check schemes, see www.fakechecks.org.

BBB Warns: Dealer Cost Audio Ignores Hundreds Of Complaints

11/11/2010

Posted on 11/11/2010 by
More than 1,200 consumers across North America have filed Better Business Bureau (BBB) complaints against California-based Dealer Cost Car Audio, many claiming they never received merchandise ordered through the company’s Web site. The complainants include dozens of customers from 48 states, including Texas, and several foreign countries.

A man in McKinney, TX, complained to BBB that he paid $379 for merchandise that still wasn't delivered after 4 months. "Dealer Cost Car Audio will not credit my money back into my credit account," he said. The complaint is unanswered by the business.

The BBB in St. Louis reports that a resident of Jennings, Mo., was so upset about his dealings with Dealer Cost Car Audio of Santa Ana, CA, that he sought out a personal meeting with Missouri Attorney General Chris Koster. Koster promised the state would look into the company’s operations. “I was played,” said the man, who lost more than $600 earlier this year when he ordered a car TV from the firm that was never delivered. “I would like to see them closed down.”

The BBB suggests extreme caution when dealing with Dealer Cost Car Audio or its Web site, www.dealercostcaraudio.com. The company has a BBB rating of F with the BBB in Los Angeles, CA, the lowest rating possible.

The BBB warning comes as the holiday shopping season approaches and online purchases soar.

Of the 1,200 complaints filed with the BBB in the past 36 months, nearly 800 have been processed this year. At least 10 complaints have come from each of 29 states. The most are from California (71 complaints), Texas (66), Florida (46), New York (43) and Illinois (35).

The company has failed to respond to nearly half of the complaints filed this year.

BBB records in Los Angeles show Robert Jones as manager of the company. The company’s address is listed as 3337 South Bristol Street, Suite 211, a mailbox at an AIM Mail Center in Santa Ana.
In a recent e-mail response to the BBB, a person identified only as sales manager of Dealer Cost Car Audio said, “Each complaint is being addressed at this time, and we will be solving all the cases. There is a change of ownership underway.”

The company’s Web site sells stereo receivers, amplifiers, speakers, TV sets, radar detectors, security equipment and other automobile-related merchandise.

“Why pay retail when you can pay dealer cost!” the site says. The site promises “trustworthy and secure ordering” and a “great buying experience. We guarantee to exceed your expectations, the way a great buying experience should be.”

A college student and restaurant worker from Moscow Mills, Mo., said he paid $358 for a car amplifier in April. Despite numerous promises from the company via e-mail, he has never received the amplifier or a refund. At one point, the customer became so exasperated that he threatened to sue the company and take his case to the media. Soon after, he said, the company stopped responding to him.

The BBB offers the following tips when considering buying from an online merchant:

Do your homework. Check the BBB for a Reliability Report by going to www.bbb.org. It may also be helpful to do an Internet search of the business.
Be wary of businesses with no address other than an untraceable mailbox. While there are responsible businesses that do not have physical locations, many businesses with records of poor customer relations choose to post only a postal box address on their Web sites.
Pay by credit card whenever possible. That way, you have a better chance of getting your money refunded if you do not receive your order.
Be cautious of businesses that promise too much or that offer prices considerably lower than the competition. If a deal seems too good to be true, it probably is.

In the News -- Unpaid Claims by United Automobile Insurance Company

11/11/2010

Posted on 11/11/2010 by

Consumers who have been in automobile accidents with drivers insured by United Automobile Insurance Company are complaining about the reason their claims haven't been paid. Jack Fink with CBS11-TV, Ch. 11, Dallas-Fort Worth, reports that the company says it isn't paying because it hasn't been able to get in touch with the insured driver.

United Automobile Insurance Company has a BBB rating of F, with a record of 69 complaints.

To see the CBS11 story, click above or click here:
http://dfw.cbslocal.com/2010/11/10/cbs-11-investigates-unusual-reason-insurance-claims-denied/

To check out a business, see lists of BBB accredited businesses, or file a complaint with BBB, start at www.bbb.org.

Customers Tell BBB: Scalise Endeavors Delivered Outdoor Gear Late Or Not At All

11/10/2010

Posted on 11/10/2010 by
St. Louis, Mo., Nov. 10, 2010 - Scalise Endeavors, a business in Maplewood, Mo., that sells hiking and camping equipment through the Internet, is under fire from frustrated consumers who say they paid for products they never received.

Other customers told the Better Business Bureau (BBB) they received their orders weeks or months later than promised.

The BBB suggests caution when dealing with the company. Owner William J. Scalise, Jr., lists addresses at 3247 Edgar Rd. and 3250 Walter Ave. Scalise operates his business through the website www.collegebackpacking.com.

The company has an “F” grade with the BBB, the lowest grade possible.

Michelle Corey, BBB president and CEO, said Scalise Endeavors has failed to address a series of consumer complaints, most of them reported to the BBB in the past five months.

“These are people who had every right to expect to get what they ordered, and get it in a timely manner,” Corey said. “Too often, though, it seems this camping and hiking business is telling its own customers to ‘take a hike.’”

The website advertises backpacks, sleeping bags, tents, outerwear and emergency survival items. In-stock items ship within two to six business days and out-of-stock items “typically take an extra five or six business days to arrive,” the site says.

In August, a BBB investigator visited the Walter Avenue address and was told by a receptionist that the company was no longer based there. But in a follow-up e-mail, Scalise said that was not true. He said his father’s company also operates out of the building and “I’m not in the office very frequently.”

Scalise also apologized for his lack of response to customers. “We’ve been making some changes in the last few months, and it has cost us severely,” he said. “We understand that customer service is key to success these days, and we haven’t been living up (to) that standard.” He said the company has been committing additional resources to resolving the complaints and keeping customers happy.

Despite the pledge, seven BBB complaints have been unanswered since August. Scalise has not responded to an Oct. 14 letter from the BBB, noting a pattern of complaints.

A woman from Concord, N.H., said she ordered $186 in merchandise from the website on July 19 and has yet to receive the items. She said she received an e-mail from the company on Oct. 6, promising that her money would be refunded by the next business day. Three weeks later, she still had received nothing. “I wish I lived in St. Louis so I could knock on the door of the business, but I am across the country,” she said in an e-mail to the BBB. “I don’t want this to happen to anyone else!”

A man from Kansas City, Mo., said last month that he still had not received a promised refund on a $123 sleeping bag he ordered from the business on May 25. He said he canceled the order on the company’s website when he did not receive the merchandise. “It’s just a shame that people don’t do business like it should be done,” he said.

A consumer from Hickory, N.C., said she ordered a backpack from the business for $103 on Aug. 16 and noticed soon after that the company had debited that amount plus three unidentified charges of $8.05 from her account. She, too, said she has tried to contact the company, but has never received the backpack or a refund. “The customer service has been HORRIBLE with this company,” she said in his complaint. “I have never experienced anything like this with any online purchases.”

The BBB offers the following advice for persons ordering items online:

Before ordering anything online, make sure you can contact a live person via e-mail or phone. If you have trouble reaching someone before you buy, you likely will have trouble reaching someone later if you have a concern about your order.
Make sure you can confirm a physical business address. Buyers should be very cautious of any business unwilling to provide an address.
Pay by credit card whenever possible. That way, if you do not receive your order, you have a better chance of getting your money refunded.
Research a company by contacting the BBB for a Reliability Report. Go to www.bbb.org or call 314-645-3300.

'Tis the Season for Holiday Scams

11/10/2010

Posted on 11/10/2010 by
The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online
We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBB hears from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. When shopping on sites that you aren’t household names, check the business out with the BBB before you buy.

Finding the season’s hottest toys and gadgets online
Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall
While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Bogus charitable pleas
The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

Phishing e-mails
Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

For more advice on being a savvy consumer this holiday season, visit us online at www.dallas.bbb.org/consumer-tips-holiday/

Fighting Cold and Flu Season in the Workplace

11/9/2010

Posted on 11/9/2010 by

Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home - Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office - Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example - Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at www.dallas.bbb.org/Business-Tips-Index/.

Protect your Debit Card Number from ATM skimming

11/9/2010

Posted on 11/9/2010 by

Even if you’re choosy about which ATMs you use, you can still become a victim of identity thieves who place seamless devices on machines to steal debit card information. ATM skimming is a growing problem and the Better Business Bureau recommends consumers take a few steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

Identity thieves tamper with ATMs in any number of different ways in order to steal debit card numbers and PINs. It only takes a few seconds to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

Following are a few ways to fight identity thieves at the ATM:

Protect your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.

Give it a wiggle – Skimming devices are often false panels attached to the ATM—such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.

Be picky with your ATMS – Avoid using ATMs in poorly lighted or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on your statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts—particularly the itemized breakdown of charges and debits—so that you can quickly report any suspicious activity on your account.

Report fraud immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.

For more advice on fighting identity thieves and preventing fraud, visit us online at www.dallas.bbb.org/consumer-tips-scams/.

Five Steps to Create and Keep a Holiday Budget

11/9/2010

Posted on 11/9/2010 by

Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.
The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.
Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at http://www.bbb.org/us/article/tips-on-how-to-develop-a-working-budget-6101

Step Three: Estimate Extra Holiday Expenses
A lot of little purchases have a way of adding up over the holidays and it’s important to consider all of the expenses of the season including:

• Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

• Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

• Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

• Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

• Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance.

Step Four: Revisit, evaluate and revise your budget along the way.
Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine.

Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals.
If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

More advice on saving money over the holidays is available online at www.dallas.bbb.org/consumer-tips-holiday/

How to Get a Temporary Job Over the Holidays

11/9/2010

Posted on 11/9/2010 by

Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a much welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

BBB offers the following advice for job hunters this holiday season:

Start the job search earlier rather than later.
The key to landing a seasonal job is to start searching early. Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time for job hunters to determine which job suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop.
Try to identify seasonal employment with businesses you actually shop at or frequent. You will already be familiar with the company and its products and, secondly, discounts available for employees mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward.
Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible.
Full-time employees usually have first dibs on the preferred hours and shifts, so, as a seasonal employee, expect to work long, sometimes inconvenient hours including working on Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.
For more advice on making it through the holidays, visit us online at www.dallas.bbb.org/consumer-tips-holiday/

Timeshare Owners Should Be Wary of Timeshare Resale Firms

11/9/2010

Posted on 11/9/2010 by

St. Louis, Mo., Nov. 9, 2010 – Cases of timeshare fraud have become so widespread that they are stretching the ability of law enforcement, regulators and consumer groups to keep up, says the Consumer Fraud Task Force in Missouri and Illinois.

Most cases involve businesses that charge timeshare owners up-front fees, promising that they can find buyers for their timeshares. Owners desperate to get out of long-term agreements often pay thousands of dollars and end up with nothing.

The Federal Trade Commission (FTC) says that complaints involving timeshare resale scams have tripled in the last two years.

The Task Force urges consumers to be extremely cautious when dealing with any company that says it either already has sold or can sell their timeshares. Innocent people are being duped by businesses whose only interest is squeezing as much as they can get from as many people as they can.

Recent cases with ties to the St. Louis region highlight the growing problem:

In June, a Texas truck driver said he paid a timeshare resale company more than $6,000 to market and sell a portion of his timeshare. The company reported an address in a vacant office building in downtown St. Louis.
In July, an East St. Louis grand jury returned federal indictments against three Florida men for their involvement in a telemarketing scheme targeting timeshare owners throughout North America. The U.S. attorney’s office said the company took more than $1.3 million from 615 consumers in 46 states and Canada.
In September, a massive crackdown on timeshare resellers in Florida resulted in the closure of seven companies and arrests of four people. One of the companies ordered closed was International Resort Sellers LLC, of Orlando, Fla. The website of International Resort Sellers listed an address in the Westport entertainment and office complex in northwest St. Louis County, but a Florida investigator said the Westport address was simply one of several mail-drops designed to mislead the public and elude investigators. The company’s manager was charged with being an unlicensed commercial telephone seller.

Timeshare fraud has fed on a weak economy and glut of timeshares for sale. Many victims have told law enforcement officials and the Better Business Bureau (BBB) that they trusted the companies to help them, convinced in part by smooth sales representatives, official-looking contracts and impressive websites.

A survey of timeshare resale and marketing websites revealed that many are almost identical. The websites of three timeshare companies used much of the same material and simply seemed to substitute one name for another.

Recently, federal and state investigators have been looking into timeshare recovery companies that claim to be able to help recoup fees paid to questionable timeshare sales businesses. Those companies usually charge advance fees for their help, too.

The Task Force offers the following tips for consumers trying to sell their timeshares:

Make sure you deal with a company with a legitimate physical address before entering into any agreement. If the company provides an address, confirm that the business is, in fact, located at that site.
Beware of a firm that asks for fees or taxes before your timeshare is sold.
Ask for references and contact them to make sure they were satisfied with the company’s work.
Check a company’s Reliability Report with the BBB at www.bbb.org or by calling 314-645-3300. You can also check with your state attorney general.
Ask how long a company has been in business. There may be limited information on companies that have operated for only a brief time.

The FTC recently issued consumer education information on timeshare resale scams. That information can be obtained at: http://ftc.gov/bcp/edu/pubs/consumer/alerts/alt185.shtm

The Consumer Fraud Task Force in Missouri and Illinois is a coalition of local, state and federal government agencies and nonprofit business and consumer groups in Missouri and Illinois that work together to protect consumer and donor rights and guard against fraud.

Previous Task Force releases have focused on home remodelers, work-at-home scams, sweepstakes offers, online auctions, credit repair scams, debt management advice, foreclosure scams, extended auto service contracts and fire and police organizations.

To obtain information, or if you think you may be the victim of a scam, you may contact members of the Task Force:

Missouri Attorney General’s Office – (800) 392-8222; www.ago.mo.gov.
Illinois Attorney General’s Office – (800) 243-0618; www.illinoisattorneygeneral.gov.
Federal Trade Commission – (877) FTC-HELP (382-4357); http://www.ftc.gov.
U.S. Postal Inspection Service – (877) 876-2455; http://postalinspectors.uspis.gov.
U.S. Attorney’s Office, Eastern District of Missouri – (314) 539-2200;
www.usdoj.gov/usao/moe.
Better Business Bureau Serving Eastern Missouri and Southern Illinois – (314) 645-3300; www.bbb.org.

Mail-In Rebates: Now Available in Paper or Plastic

11/8/2010

Posted on 11/8/2010 by

Once the excitement of the holidays wears off, it’s time to start reaping the promised rewards of mail-in rebates. Retailers and manufacturers are changing the way they issue rebates and Better Business Bureau advises that it’s more important than ever to read the fine print when filing for a rebate.

According to CreditCards.com, retailers and manufacturers are increasingly opting to provide rebates in the form of pre-loaded cards as opposed to paper checks. Unlike checks, which can be deposited in a bank and used to pay bills, to get the benefit, consumers must spend. These cards can often only be used where credit cards are accepted. In most cases, the cards can be used at any merchant—much like a debit card—but some retailers are also handing out rebate cards that can only be used at their stores. The cards may also have expiration dates and added fees that could whittle down their value.

“Rebates are a great way to get a deal, but they can also be a great source of frustration for consumers,” said Alison Southwick, BBB spokesperson. “By acting quickly to redeem the rebate and reading the mail-in instructions carefully, consumers can significantly reduce the stress associated with redeeming rebates.”

In the previous 12 months, 70 percent of consumers have taken advantage of manufacturer rebates on products, according to a recent survey by Consumer Reports. The national telephone survey also found that, of those who applied for a rebate, 21 percent of people were unsuccessful. Typically, consumers simply didn’t receive anything or were turned down because of a technicality.

BBB offers the following advice to holiday shoppers on how to make the process of redeeming rebates as painless as possible:

• Don’t wait. Some rebates have a time window in which they can be redeemed or must be redeemed within a certain amount of time following purchase. Waiting also increases your chances of misplacing necessary receipts or packaging.

• Read the instructions carefully. The guidelines for redeeming a rebate can be extensive and missing steps may delay the process or result in loss of the rebate. Be sure to indicate how you want to receive the rebate—such as if a gift card is the default option—and include all the necessary paperwork and proof of purchase. Also make a point to thoroughly read the fine print details that are included when you receive your rebate card or check in the mail.

• Keep the packaging. Rebates often require UPC bar codes or other parts of the packaging to be included with the paperwork for processing, so don’t throw boxes away until you’re sure you don’t need them.

• Make copies of everything. Keep a copy of all the paperwork you mailed back to the retailer or manufacturer for the rebate. It’s the only record you’ll have of the transaction if anything goes missing.

• Contact the business if the rebate doesn’t arrive. Some retailers and manufacturers use third-party fulfillment companies for processing rebates so keep in mind that you might be dealing with a different business when it comes to tracking down your rebate.

• Help is available if you need it. If the rebate never arrives or is significantly late, file a complaint with BBB, the Federal Trade Commission or your state Attorney General.

For more advice on being a savvy consumer this holiday season, visit www.bbb.org.

Be a Savvy Bidder When Hunting Down This Year’s Must-Have Gifts Through Online Auctions

11/8/2010

Posted on 11/8/2010 by

Online auctions can be a great place for finding deals at any time of year, but over the holidays such sites become hot spots for tracking down popular and hard-to-get gifts — such as new game consoles or must-have toys. Better Business Bureau offers advice to shoppers on how to avoid getting ripped off when searching for bargains and hard-to-find presents through online auctions.

According to Jupiter Research, $38 billion will be spent on items auctioned through eBay alone in 2009. For most buyers and sellers, the transaction is successful; however, online auctions can be fertile ground for scammers. In 2008 half of all complaints to the FBI related to online fraud were the result of online auction fraud and non-delivery of merchandise.

“Online auctions can sometimes be the only place to find that must-have gift of the season,” said Alison Southwick, BBB spokesperson. “Whenever demand for a specific item over the holidays reaches a fever pitch, it provides a great opportunity for scammers.”

When bidding online for holiday gifts, BBB recommends that shoppers:

Find out how the auction site protects buyers and sellers from fraud. A responsible online auction site will take steps to protect both buyers and sellers from fraud. Find out what actions the auction site will take in your defense if you become a victim of an unscrupulous seller.

Compare the cost of the item elsewhere. Scammers will often price their items lower than the competition in order to lure in buyers. A lowball minimum bid for an item should be considered a red flag.

Research the seller. Online auction sites often provide the opportunity for buyers to rate sellers and provide feedback on the transaction. These reviews are a great way to determine the seller’s track record, but keep in mind that reviews are typically not authenticated and some sellers will pay for flattering reviews in order to mislead buyers.

Ask plenty of questions. When in doubt, don’t be afraid to ask the seller questions about the item, including how they came to own it, its condition and if you can return it if you’re not satisfied. Also find out whether the cost of shipping is included in the bidding price and, if not, clarify what the added delivery cost will be.

Don’t be lured away from the auction site. In some cases, scammers will try to convince bidders to complete a transaction outside of the auction site, perhaps by telling losing bidders that the seller actually has more of the same item available. Leaving the Web site means you are no longer covered by the protections and guarantees provided by the auction business.

Use a secure form of payment. Use a credit card or a secure payment service, such as PayPal, when purchasing items through an online auction. If the seller insists on using an escrow service, always research that business fully with BBB. Never wire cash payments — such as through MoneyGram or Western Union —to someone you don’t know.

For more guidance you can trust on how to shop safely online, visit www.bbb.org

BBB Wise Giving Alliance Advice on How to Spread the Spirit of Giving Around the Office

11/8/2010

Posted on 11/8/2010 by

The holidays are a time for giving, but many charities are feeling the squeeze of the recession and donations are down. Promoting philanthropy with employees is a great way to spread the holiday spirit and promote camaraderie around the office. BBB Wise Giving Alliance offers the following tips for encouraging charitable giving in the workplace.

The downturn in the economy is taking its toll on everyone, families, small businesses and charities. According to the Giving USA Foundation, charitable giving in the US exceeded $307 billion in 2008. As a result of the tight economy, two-thirds of public charities receiving donations saw decreases in 2008. Charitable giving from individuals dropped 2.7 percent and corporate giving dropped 4.5 percent. The outlook for charitable giving in 2009 is equally bleak.

“With rough economic times for everyone, many families who depend on charity this time of year are facing a lean holiday season,” said H. Art Taylor, CEO of the BBB Wise Giving Alliance. “Employees and employers who pool their efforts to support a cause, either with their time, money or in kind donations, can make a positive impact for struggling families over the holidays.”

BBB Wise Giving Alliance recommends the following ways that small business owners can spread the holiday spirit of giving around the office:

Institute a volunteer day. Giving to a charity doesn’t have to mean pulling out the checkbook. Many charities also rely heavily on the gift of time from volunteers. An office wide volunteer day is a great way to get employees out of the office and working together on something they can be proud of.

Rally around one cause with an office fundraiser. Office bake sales, silent auctions and tag sales are just a few ways to raise money for a charity. If everyone gets involved, then the nickel and dimes can add up to a healthy donation to a needy organization.

Collect food or toys. Around the holidays, many charities are looking for non-perishable food donations or toys. If everyone in the office donates a can of food or a toy, those items can collectively make a huge difference for a less fortunate family’s holiday season.

Offer a matching program. Small business owners can encourage employees to make donations to charities by matching their contributions. Matching programs allows individual employees to choose a cause that might be near and dear to their own heart. By matching their donations, small business owners can show they support their employees with the added benefit of a tax deduction.

Educate employees to be wise givers. Encourage employees to research their charities first with the BBB Wise Giving Alliance at www.bbb.org/charity before they give. BBB Wise Giving Alliance evaluates more than 1,200 national-soliciting charities against 20 rigorous accountability standards.

For more advice on holiday charitable giving from the BBB Wise Giving Alliance, visit www.bbb.org/charity.

Don’t Fall Prey to Identity Thieves over the Holidays

11/8/2010

Posted on 11/8/2010 by

Identity theft claimed 10 million victims in 2008, a 22 percent increase over 2007, according to a report from Javelin Strategy and Research. Better Business Bureau warns that the holiday season provides many new opportunities for identity thieves to ply their trade and offers the following advice on how to keep your identity safe and secure both online and off.

“Identity theft can happen to you whether you’re shopping online or shopping at the mall, making it critical that we all take specific steps to fight both low and high-tech ID thieves,” said Alison Southwick, BBB spokesperson. “Having your credit card numbers stolen or your computer maliciously hacked will put a damper on anyone’s holiday cheer.”

BBB recommends taking the following steps to fight identity theft this holiday season:

Online Shopping Tips
Forty-four percent of holiday shoppers make purchases online and every year scammers devise online schemes to trick them into divulging personal information such as credit card numbers. BBB recommends that online shoppers:

• Confirm the legitimacy of all “trust marks.” You can confirm that certification from organizations such as BBB, Versign or TRUSTe is legitimate by clicking on the seal. A legitimate seal will direct you to the certifying organization’s Web site.

• Make online purchases with a credit card. If the credit card number lands in the hands of ID thieves, remember your Fair Credit Billing Act protection which allows you to dispute the charges with your credit card company.

• Only pay on a secured site. 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 when using Internet Explorer, BBB recommends right-clicking anywhere on the page to select “Properties.” This will let you see the real URL (Web site address) and the dialog box will reveal if the site is not encrypted. If using Firefox, click on Tools in the menu bar, then Page Info.

In-Store Shopping Tips
Increased traffic at malls and retailers means more opportunity for ID thieves. When fighting the crowds, BBB offers the following advice for shoppers:

• Prevent pick pocketing. Keep your purse tucked securely under your arm and your wallet in a front pocket or other safer place than a back pocket. And don’t bog yourself down by too many shopping bags.

• Keep receipts in your wallet. Retailers are required to maintain the privacy of all but the last four digits of the credit or debit card used to make a purchase but it is still a good idea to keep all your receipts together in safe place rather than in your bag.

• Review your credit card statement regularly. Check your credit card activity weekly during the holiday season—rather than waiting for the statement at the end of the month—in order to catch suspicious charges as quickly as possible and immediately report any irregularities to your credit card company.

Fight E-mail Phishing Attempts
Many holiday scams can be found in your email in-box. BBB recommends the following steps to protect your computer from hackers:

• Purchase anti-virus software from a business you trust. Make sure you update your computer’s operating system, browser program, and antivirus software and install all security patches.

• Be wary of emails from retailers, banks or shipping businesses. If you receive an e-mail from your bank, retailer or a shipping company claiming that there is a problem with your account or delivery, do not click on any links in the email or reply with any information. Instead contact the business directly to confirm the issue.

• Be extremely cautious when viewing e-cards. In the past, scammers have created fake e-mail notices that claim generically that a "friend" or "family member" has sent them a card. In some cases, victims have clicked on a link that has installed a virus on their computer or their computer caught the virus when the victims installed supposed software needed to view the e-card.

For more advice on keeping your identity safe over the holidays, visit bbb.org.

Don’t Get Ripped Off When Buying Electronics Online: BBB says know the red flags of a scam site

11/8/2010

Posted on 11/8/2010 by

This holiday season, everyone will be on the hunt for the best deals. Better Business Bureau warns online shoppers that some deals online for electronics are too good to be true. BBB is advising holiday shoppers to keep an eye out for five red flags of unscrupulous consumer electronics stores.

Shoppers are increasingly heading to the Internet to look for deals. According to a survey from Burst Media, 85.3 percent of respondents will shop online this holiday season. Because of the economy, holiday spending is expected to drop slightly this year from 2008, and some industry experts predict that retailers will make deep price cuts, particularly on electronics, to lure in shoppers. Unfortunately, not all Web sites promising rock bottom discounts on electronics are legitimate and consumers need to do their research when shopping online or they risk getting ripped off by a scammer’s online store.

“Despite the economy, consumer electronics are still expected to be on many holiday shopping lists,” said Alison Southwick, BBB spokesperson. “Everyone will be looking for the best deals this year and scammers know that they can take advantage of that by using low prices to lure in victims.”

BBB recommends consumers look for the following red flags when identifying suspect electronics Web sites:

The prices for items are too good to be true. Everyone is looking for a bargain on electronics and scammers use tantalizingly low prices to lure victims in. If the prices for items are well below those of trusted competitors, it’s a sign to walk away.

Spelling and grammatical errors abound. Some phony electronics Web sites are created by scammers overseas. As a result, the Web sites, or spam e-mails directing shoppers to the site, might have many grammatical mistakes or spelling errors.

The business accepts payment via wire transfer only. Scammers often ask victims to wire payment through Western Union or MoneyGram because the money cannot be easily tracked or retrieved in the case of fraud. BBB recommends always using a credit card to pay for electronics online. If the Web site turns out to be fraudulent, you can dispute the charge with your credit card carrier and hopefully get your money back.

The business has a bad rating with BBB. Always review the business’s reliability report online at www.bbb.org to find out what rating it has received from BBB. If you don’t find a BBB Reliability Report®, it doesn’t necessarily mean the business is fraudulent, but it may indicate the business has not been around for long or has yet to develop a track record with consumers.

The Web site fraudulently uses security seals. Scam websites will often display the seals from certification organizations such as VeriSign, IQNet or TRUSTe without authorization or falsely claim to be accredited by BBB. When shopping online you want to look for the seals of trusted organizations and confirm that the business’s use of the seal is legitimate.

You can typically do this by clicking on the seal which, if legitimate, will link you to a confirmation page on the certifying organization’s site. BBB warns, however, that some scammers have craftily created fake confirmation pages spoofing the real certifying organization’s site so make sure you really have been redirected to the legitimate site for verification by checking the Web address. Are you on the Web site of the certifying organization? If not, the use of the seal is likely unauthorized. Double check your conclusion by visiting the Web site of the certifier to find their list of legitimate seal holders.

When shopping online for electronics, always look for the BBB Accredited Seal—which shows that the business upholds BBB’s rigorous standards for marketplace ethics—and then visit BBB.org to confirm BBB accreditation.

For more advice on being a savvy online shopper, visit www.bbb.org.

BBB Advice on Avoiding Dangerous or Toxic Toys This Holiday Season

11/8/2010

Posted on 11/8/2010 by

In 2007, more than 20 million toys were pulled off the shelves as a result of more than 60 recalls – more than twice the number of alerts the U.S. Consumer Products Safety Commission (CPSC) issued in 2006. While toy manufacturers have increased product testing in order to reduce the number of unsafe toys on the market, unfortunately, dangerous toys continue to be sold in the U.S. BBB is offering advice to holiday shoppers to help them avoid purchasing unsafe toys, as well as guidance for parents on what they should do if they find a recalled product in their child’s toy box.

So far in 2008, the CPSC has issued recalls on more than 50 toys due to the threat of lead poisoning, choking, burns and other hazards. However, the CPSC notes that less than 20 percent of recalled toys actually make it back to the manufacturer for proper disposal or repair.

“We don’t expect to see the same number of recalls that we did in 2007, but that doesn’t mean every toy unwrapped over the holidays is appropriate and safe,” said Steve Cox, BBB spokesperson. “Fortunately, there are a few easy guidelines that parents and gift givers can follow to ensure that the toys they spend so much time selecting and purchasing this year are safe.”

BBB offers the following advice on toy safety this holiday season:

How to Find Out Which Toys Have Been Recalled
The CPSC keeps a list of recalled toys on their Web site at www.cpsc.gov. Consumers can also subscribe to their e-mail list (www.cpsc.gov/cpsclist.aspx) or RSS feed to receive updates on recalls as they occur. The Toy Industry Association also provides extensive information on toy safety and people can scroll through photos of recalled toys in an easy-to-use index on their Web site (www.toyinfo.org).

What to do if You Have Purchased a Recalled Toy
The CPSC negotiates the specific resolution over a recalled toy with the toy manufacturer – usually resulting in a refund or an exchange for a different toy. Parents can consult the CPSC Web site for specific resolutions and instructions.

Shoppers can also try returning a recalled toy directly to the retailer – rather than dealing directly with the manufacturer. Shoppers should understand though, that many major toy outlets have their own return policy for recalled toys, and policies may differ significantly.

While some recalled toys can cause noticeable injury to a child, toys that contain too much lead can have a less obvious, although still dangerous, affect. The CPSC warns that at-home lead-level testing kits are inaccurate, so parents worried about lead poisoning should first talk to their pediatrician about conducting a blood test.

If a child becomes injured by a potentially faulty or toxic toy, in addition to contacting medical personnel, parents can also call the CPSC hotline at (800) 638-2772.

More Safe Toy-Buying Advice from BBB

Be Careful When Shopping Online
Most large retailers are quick to pull products off the shelf, and, as a secondary precaution, flag the bar codes, so if the item is scanned at checkout, the cashier knows to not let consumers purchase the item. While online auction sites or bulletin boards may have policies against selling recalled toys, according to researchers from the Center for Injury Research and Policy at Columbus Children’s Hospital, recalled toys and other unsafe products are often sold to unknowing parents. It’s very important to check with the CPSC and the Toy Industry Association before buying a new or used toy or product for children online.

Make Sure the Toy is Age-appropriate
Toy safety isn’t only about avoiding recalled products; gift-givers also need to make sure they are buying appropriate toys based on the age of the child. Consumers should follow the age recommendation listed on the package or toy. BBB reminds shoppers that siblings share toys, and a gift intended for an older child with small parts will likely fall into the hands of younger siblings and could pose a safety hazard.

Toy Recall Hotlines
Consumer Products Safety Commission: (800) 638-2772
Toy Industry Association: (888) 888- 4TOYS
Mattel: (800) 916-4498
Fisher-Price: (800) 991-2444
Toys R Us: (800) 869-7787

For more trustworthy advice to keep children safe and secure this holiday season, go to www.bbb.org.

BBB Provides Consumers Six Ways to Save Money this Holiday Season

11/8/2010

Posted on 11/8/2010 by

As the nation collectively tightens its belt this winter, many families are looking for ways to save money without sacrificing any of their holiday cheer. Better Business Bureau is providing advice on how consumers can cut down on spending and reduce household costs in their everyday lives without compromising the fun of the holiday season.

With major declines across many sectors of the economy, overall household wealth in the U.S. is down nearly $8 trillion in 2008; most of that loss is due to the ailing stock market rather than the decline in the housing market. In addition, the number of unemployed is expected to reach three million before the economy improves. And not surprisingly, most holiday season spending forecasts indicate that many Americans are planning to cut back on various seasonal expenses this year.

“Given the daily roller-coaster effect taking place in the U.S. stock market, and with credit card companies lowering maximum credit lines and raising interest rates, the economic future for many households is uncertain heading into the holidays,” said Steve Cox, BBB spokesperson. “With the sobering effect of the economy looming over this holiday season consumers are going to have to be creative with their dollar and be more conscious of their spending in order to avoid a holiday hangover.”

Following are six ways BBB is advising consumers to save money this holiday season:

Create a Budget and Stick to It
Holiday expenses can add up quickly, and one way to keep the financial damage to a minimum is to create a budget and then track spending. A budget should include the amount the family plans to spend on food, travel, incidentals and even a price limit for each person on the gift list. Creating a budget can be harder than sticking to one, but becoming more conscious of holiday spending habits is an absolute must and greatly diminishes the chances of an unhappy New Year Your holiday budget needs to be a portion of your overall household budget. BBB along with ClearPoint Financial Solutions has developed an interactive budget tool that includes a new holiday spending calculator.

Click here to use the holiday budget calculator

Click here for more advice on creating a budget and sticking to it.

Trim the Gift-giving List
When times are tight, whittling down the shopping list can save a lot of money. Aside from cutting the list down to only the closest of friends and family, some options include only giving gifts to children, setting generally accepted limits on what family and friends can spend and drawing names for gifts among family. Unfettered giving is fun and spontaneous, but the credit card bill that will come in January can make even the most cheerful of givers grumpy in the New Year.

Do it Yourself
Not only are craft projects a great way to get the family working together, making decorations and even gifts is a great way to save money. There are many Web sites and books dedicated to holiday craft projects. For those who are crafty in the kitchen, holiday goodies such as baked goods and candies are also a much appreciated and inexpensive gift.

Forego the Little Things
When it comes to the holidays, the little things add up. Many of these little things can actually be pared down in leaner times. This includes foregoing season’s greetings cards, relying on last year’s decorations and using alternative wrapping paper—such as the Sunday comics or even the retailer’s shopping bag.

Be a Savvy Consumer
There will no doubt be a record number of sales this year as retail stores compete for shoppers’ dollars in the lean months leading up to celebrations. Not only does this mean savings at the mall, but consumers can also search online retailers for deals and bargains. Before doing business with any online retailer though, BBB advises shoppers to check the company out with BBB first at www.bbb.org.

Trim Energy Consumption
There are many ways to save money by cutting down on energy costs. During the energy crisis of the late seventies, President Carter famously donned a sweater and asked the public to turn down their thermostats. That advice rings true today, but it doesn't mean the family has to suffer. BBB recommends turning the thermostat down only a few degrees when the family is home, and turning it down even more when at work or sleeping. Energy-conscious consumers can also reduce costs by driving less and keeping close to home for the holidays, as well as leaving outdoor Christmas lights on for only a few hours every night.

Click here for more advice on conserving energy.

For more trustworthy advice on creating a holiday season budget, shopping safely online, and advice on charitable giving, visit: www.bbb.org.

About Clearpoint Financial Solutions
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 a system-wide member of the Better Business Bureau.

BBB Advice for Safe Online Shopping This Holiday Season

11/8/2010

Posted on 11/8/2010 by

Bargain hunters will undoubtedly be flocking to the Internet for holiday sales this year, and overall, online sales are again expected to increase this season as more shoppers forego the trip to the store and tick off the names on their “nice” list from the comfort of their homes. Unfortunately, your Better Business Bureau is warning that scammers will again be setting up shop online this year, using low prices to entice shoppers, but ultimately not delivering the goods. BBB is offering 10 tips for gift givers to help them stay safe and secure when shopping online this holiday season.

comScore, Inc., reports that e-commerce spending covering the first 23 days (November 1 – 23) of the November – December 2007 holiday season totaled more than $9.3 billion. Online retail spending was strong on both Thanksgiving Day in 2007 (up 29 percent from 2006 to $272 million) and on “Black Friday” (up 22 percent to $531 million). For the 2008 holiday season, Barclays Capital forecasts that Internet sales will increase by a solid eight percent over last year, greatly outpacing a meager one percent growth in holiday sales expected at brick-and-mortar stores.

“Many consumers have come to feel extremely comfortable shopping online as part of their everyday lives and simply don’t consider the increased threat of identity theft or unscrupulous retailers during the holiday season,” said Steve Cox, BBB spokesperson. “While the online environment has become a thriving, trusted marketplace, e-commerce has also opened a door and created a ripe environment for scammers to set up shop online and start ripping people off.”

With more shoppers expected to head to the Internet this season, scammers know they can take advantage of consumers who are looking for bargains. Given the reach of the Internet, potential scams are not restricted to one area, or even one country. BBB of Western Ontario recently reported an online scam operating through the Web site superbargainland.com. BBB received complaints from consumers across the U.S. and Canada who paid for game consoles such as Playstation3s, Wiis, and Xboxes, but never received the items. The site required shoppers to pay via MoneyGram, a money wire service, and unfortunately that meant the money consumers paid was impossible to recover.

This year, BBB is offering a “Top 10 Online Shopping Tips” for holiday shoppers to help prevent being taken in by 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. Use trustworthy Web sites – Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for a “trustmark” from BBBOnLine and click on that seal to confirm that it’s valid.

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

4. Trust your gut – Offers on Web sites and in unsolicited e-mails can often sound too good to be true. 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 Web site 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 (Web site address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it.

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

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

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

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

BBB Advice on Giving, and Receiving, Pre-paid Bank Cards

11/8/2010

Posted on 11/8/2010 by

According to a recent survey by Archstone Consulting, consumers are expected to spend $25 billion on gift cards this holiday season. Given the current economic downturn, and consumers’ desire for flexible spending options, Archstone predicts pre-paid bank cards will be one of this year’s hottest gifts because recipients can choose to spend the money on “nice to have” items, or if need be, on daily expenses such as gas, groceries or bills.

“Cold hard cash is going to be on a lot of wish lists this year as families find it increasingly difficult to balance holiday spending with paying for essentials,” said Steve Cox, BBB spokesperson. “Pre-paid bank cards can be a great way to give money, but givers and receivers need to pay special attention to the terms and conditions, which can include substantial fees and limitations.”

Not only are pre-paid bank cards a popular holiday gift, they are also a way for people with limited access to credit cards to manage their money—including making it easier to purchase items online. The terms and conditions on these products do vary, so BBB recommends consumers pay special attention to the following details when giving, or receiving, a pre-paid bank card.

Fees, Fees and More Fees
BBB serving Southwest Idaho and Eastern Oregon recently researched a bank card offer and discovered more than 27 different fees ranging from a little under a dollar to almost $20. Fees were attached to contacting customer service, loading more money onto the card, and inactivity. The card even had weekly base fees of $1.95—which ads up to more than $100 a year to use the card. BBB recommends paying close attention to all terms and conditions associated with pre-paid bank cards and is encouraging consumers to ensure they read the fine print and ask about and understand any “hidden” fees.

What if the Bank Goes Bankrupt?
Despite some high-profile failures in recent months, generally bank failures are infrequent, with only 15 banks having gone under so far in 2008. However, for those bank customers, their checking and savings accounts were insured by the FDIC and they didn’t lose all of their deposited money. Unfortunately, the same insurance is not extended to pre-paid cards. The FDIC is currently looking into the prospect of including pre-paid bank cards under the umbrella of protection that covers other bank accounts, but as of now, any money stored on a card is in jeopardy if the bank managing the card goes under.

Protection Question if the Card is Lost or Stolen.
Pre-paid bank cards are often branded by major credit card companies, such as MasterCard or Visa. While credit card companies promise zero or limited liability to card holders if their credit card is stolen or lost, the same protections do not necessarily apply to stored-value cards. Again, BBB recommends paying close attention to the terms and conditions of the card, which should outline the consumer protections allotted to the holder.

Just Like a Credit Card?
In some cases, such as renting a car or reserving a hotel room, a pre-paid bank card might not be accepted. Consumers might also have a hard time using pre-paid cards when paying a deposit for larger purchases.

Some card issuers, but not many, report to a credit bureau, which means that holding a card can potentially have a positive impact on a consumer’s credit score. Because a consumer cannot overdraw on the card or risk not paying a bill on time, there’s no way for a consumer to damage their credit by using a pre-paid bank card either.

For more information on giving and using gift cards, and on managing credit and debit cards this holiday season, go to www.bbb.org.

BBB Advice on Going Green this Holiday Season

11/8/2010

Posted on 11/8/2010 by

Bing Crosby may have dreamed of a white Christmas but as many Americans adjust their lifestyles to become more environmentally friendly, some will be looking forward to a green Christmas this year. Your Better Business Bureau has advice to help families go green this holiday season and maybe even save some green in the process.

According to a survey by Plow and Hearth, half of Americans plan to purchase an environmentally friendly gift this holiday season. Among those going green this year, two-thirds say they are willing to spend between 10 and 25 percent more on green holiday gifts.

“The holidays tend to focus on kindness and sharing, but unfortunately, most of us aren’t very kind to the environment during the season of giving, and from an eco-friendly perspective, this period usually ends up being one of the most wasteful times of the year,” said Steve Cox, BBB spokesperson. “Consumers actually have a chance to save some green in more ways than one this season, from using candles and wreaths with recycled materials to homemade gifts and creative gift wrap, people can help themselves and the environment.”

Aside from buying gifts with the environment in mind, there are many other ways consumers can lessen the impact of their holiday cheer on Mother Nature. Following are a few ways consumers can aim for a more environmentally friendly holiday season:

Decorate with Care
There are many ways consumers can decorate “in green” this year. LED Christmas tree lights are a pricier option to conventional lights, but they require about 80-90 percent less energy and last much longer—up to 200,000 hours—compared to conventional lights’ 2,000 hours.

Rather than buying an artificial tree or a fresh tree that will end up on the sidewalk come January 1, consumers can opt to buy a live tree that they can later plant. When it comes to decorating that tree, making ornaments and garlands from gingerbread, Christmas cards, popcorn and cranberries is a great family craft project and better for the environment than plastic tinsel and ornaments.

Give Money to a Charity in Someone’s Honor
Charities are expecting a lean season of giving this year as the result of the downturn in the economy. Donating to a charity in a loved one’s name is a great way to further a worthy cause and it doesn’t have any negative impact on the environment. In fact, if the gift goes to a charity that deals in conservation, the gift will have a doubly good impact on the environment. To make sure donations are going to credible, conscientious organizations, donors should always research charities first with BBB’s Wise Giving Alliance – and can do so at www.bbb.org/charity.

Give Green
Many stores, both online and brick-and-mortar, specialize in green products, such as organic foods and gifts made from recycled goods. When shopping online, consumers should always look for the BBBOnline seal. The seal tells the shopper that the company adheres to BBB Standards for Trust and operates a secure Web site for financial transactions.

Get Crafty
For do-it-yourselfers, there are many Web sites and online communities dedicated to making new and useful items from things most consumers consider normal household “clutter.” Skill levels for craft projects range from easy to expert. Homemade gifts, such as baked goods and handmade gifts are also a lot easier on the wallet—and potentially the environment—and often bring much more meaning to recipients.

Dispose of the Old…With Care
Electronics such as cell phones, TVs and computers contain toxic materials that should be disposed of carefully and not just tossed out with the trash. Many companies will take back and recycle their products for free. Some retailers also accept trade-ins. Consumers can search for company policies and recycling locations online, and a good place to start is at Earth911.org.

For more trustworthy consumer advice on “going green” this holiday season, and for many other tips on saving money this year, go to www.bbb.org.

BBB Provides Top Five Ways to Donate to Charities When Budgets are Tight

11/8/2010

Posted on 11/8/2010 by

While many segments of the U.S. economy have been hard hit, none will feel the pain more than charities this holiday season. Charities across the country are certainly bracing for what is expected to be a very tight giving season. As more potential donors are focusing hard on keeping food on the table and a roof overhead, charitable giving is often the first thing cut from a family budget. For individuals on a budget looking for creative ways to contribute to charities, BBB’s Wise Giving Alliance is offering advice on keeping the spirit of giving alive this holiday season.

The current downturn in the economy is having a major impact on the bottom line of families and businesses and ultimately the well-being of charitable organizations. For example, The Red Cross has experienced a 30 percent drop in responses and contributions from new donors, and corporate donations are also on the decline. And more than 80 percent of the 180 food banks in a recent Feeding America survey said that they can’t adequately meet the demands of hungry people without reducing the amount of food or their operations.

“Charities invariably find themselves in a bind when the economy tanks; not only is there less funding, but there are more people that need assistance,” said Steve Cox, BBB spokesperson. “Donations of money may be hard for cash strapped families to provide, but there are many other ways people can support a charity and contribute to the season of giving. Even in times of hardship, donors are rich in opportunity.”

BBB encourages the public to explore alternatives to cash gifts, and is providing a “Top 5 Giving Alternatives” list this holiday season to help would-be donors in their decision-making process. The Top 5 list includes:

Toys, Food or Other Items
Many organizations can put “in-kind” gifts to good use, but there are points to keep in mind. First, the donor should contact the charity to find out what donated items are needed. Donors sometimes think any item they give will be useful to someone, but the truth is that broken toys are not welcomed by even the poorest children and families, and soiled or holey clothes will not sell in a thrift store. Disposing of unwanted or unusable “gifts” actually costs charities heavily in manpower and fuel costs.

Shop Thrifty
Goodwill Industries reports that as personal finances shrink, more people are buying donated clothes at its stores. And additionally, sales benefit its programs to provide job training. Buyers should note though, that not all thrift stores equally benefit the charities whose names are associated with them. For more information about giving to charity thrift shops, plus information about related tax deductions, donors can go to www.bbb.org/charity.

Car Donations
Changes in tax rules beginning in 2005 have in many cases lowered the charitable deductions for car donations. Donors should check out the charity’s activities and find out how the charity distributes the proceeds from car donations, and how proceeds benefit those in need. In some cases, the charity may receive a flat amount or a small percentage of the car’s re-sale. See the BBB Resource Library at www.bbb.org/charity for additional information.

Your Time
Donors can also volunteer their time this holiday season. The personal rewards can be great and can be as important to the charity as a cash contribution. Nevertheless, it’s wise to find out about the charity before making a commitment. Volunteering doesn’t have to involve direct assistance to those in need (like ladling soup at a homeless shelter). Assisting with office work or other behind-the-scenes tasks can be just as helpful. While the value of a donor’s time is not deductible, some out-of-pocket expenses directly related to volunteering, like transportation costs, may be.

Your Voice
Many charity Web sites feature “advocate” as well as “donate” buttons. Those charities are telling donors that their advocacy can help advance policies and practices that will contribute to their missions. Charities can’t promote political candidates but they can urge or lobby for public policies that further charitable causes. Donors may be asked to contact their representative in relation to certain legislation. Many charities also advise on how donors can further their programs through advocacy in local communities.

While there are many ways to give this holiday season, keep in mind that even a small cash gift often produces big benefits. For example, Feeding America says that $1.00 in cash can help bring up to $30 worth of food to those in need because the organization has economies of scale not available to the public.

For more advice on charitable giving, including BBB Wise Giving reports on more than 1,200 national charitable organizations, go to www.bbb.org/charity.

BBB Warns Rangers Fans to Beware World Series Ticket Scams

10/25/2010

Posted on 10/25/2010 by

Dallas, TX, October 25, 2010 -- Now that the Texas Rangers are finally in the World Series, fans who want to see a game in person are scrambling for tickets. The Better Business Bureau warns fans to beware of ticket scams.

“Having the Texas Rangers in the World Series is thrilling, and tickets are getting hard to come by,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “Consumers need to be careful with ticket purchases, especially online, because scammers may take advantage of the high demand.”

The opportunity for sports fans to be scammed is highest when buying tickets online from individuals through online auctions, classifieds and bulletin boards. Consumers can be burned either by buying counterfeit tickets or paying in advance for tickets that never arrive.

Here are some tips to help make sure you get to have fun at a World Series game instead of getting taken:

• Deal with a reputable company that has a track record with ticket sales and a secure payment method. Look for the BBB Accredited Business seal on the company’s Web site, and check out the business with the BBB at www.bbb.org.

• When dealing with a ticket re-seller or broker, make sure you know what guarantee, if any, is offered in case the tickets are counterfeit or you don’t receive them.

• When buying from an online seller, pay only through a secure online payment service or credit card. If you have a problem, you can dispute the charge with the payment service or credit card company.

• Don’t send money to an online seller by wire, such as MoneyGram or Western Union. Scammers use this method to get money up front but never deliver tickets.

• Avoid paying cash. You may have no way of getting your money back if you don’t get the tickets or they’re counterfeit.

• If it sounds too good to be true, it probably is. It’s a red flag if you’re being offered tickets at a price far below the face value or going rate.

To check out a business with the BBB, get lists of BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Reliability Reports^® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information.

BBB Warns Against Cyber Work at Home Offer Claiming to be Charity

10/22/2010

Posted on 10/22/2010 by

It’s not unusual for BBB to receive several emails daily. It’s also not unusual for some of those emails to be inquiries about a work at home opportunity found on an online job site.

But the Better Business Bureau in Peoria, IL, found it unusual when its inbox filled with emails regarding a particular work at home offer. The offer claims to be from a charity called Child’s Compass, Springfield, IL, seeking to hire “local supporters” to earn $2,700 a month working 4 to 5 hours a week from home.

The offer from Child’s Compass “lit up the BBB’s radar,” says the BBB in Peoria. Child’s Compass claims to be a 501(c)(3) charity “that helps children who became victims of family abuse, abandoned and street kids in the United States.” The organization says that one of its programs is to help children stay at health resorts in the Czech Republic “to ensure their physical and mental rehabilitation.”

The job as “local supporter” is described as “collecting, sorting and dispatching local donations, creating and managing the base of local donators as well as preparing information on local sponsors and charity events.”

The BBB in Peoria investigated and found the following:

· Child’s Compass is collecting personal information through the job offer

· Child’s Compass is offering high pay for a work at home position with little description of work required

· Calls to the Springfield, IL, telephone number for Child’s Compass go to voice mail with no return call

· Child’s Compass is not listed with the Illinois Attorney General Charitable Bureau Division

· The organization is not registered as a 501(c)(3) charitable organization with the Internal Revenue Service

· Child’s Compass claims to have aided 500 children recently, however no information on this organization can be found prior to October 5, 2010

· The Web site domain is registered through a Russian domain registrar on October 5, 2010

The Internet Crime Complaint Center warns that "Work-from-home scam victims are often recruited by organized cyber criminals through newspaper ads, online employment services, unsolicited emails or ‘spam’, and social networking sites advertising work-from-home opportunities. Once recruited, however, rather than becoming an employee of a legitimate business, the consumer is actually a ‘mule’ for cyber criminals who use the consumer's or other victim's accounts to steal and launder money. In addition, the consumer's own identity or account may be compromised by the cyber criminals."

Child’s Compass has a BBB rating of F, on a scale from A+ to F. The reasons for the rating include:

· BBB concerns with the industry in which this business operates,

· BBB does not have sufficient information to determine how long this business has been operating and

· BBB does not have sufficient background information on this business.

BBB advises job seekers to investigate carefully any employment opportunities that sound too good to be true or that claim high earnings for working little or no hours.

For more information on online work at home schemes from the Internet Crime Complaint Center, see http://www.ic3.gov/media/2010/WorkAtHome.pdf

To check out a business, find lists of BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/21/2010

Posted on 10/21/2010 by

Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27. While the new rule will have a significant impact on reducing predatory debt relief, the Better Business Bureau advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the Better Business Bureau has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Alison Southwick, BBB spokesperson. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Finally, before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

Businesses can learn more about how to follow this new rule on the FTC’s web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business.

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

In the News -- Beware Texas Rangers Tickets Scams

10/15/2010

Posted on 10/15/2010 by
Texas Rangers fans should beware ticket scams, warns CBS11-TV and TXA21-TV in Dallas-Fort Worth.

Scalpers and online sellers could be taking money for phony tickets, leaving fans out in the cold.

The news stories give some tips to help make sure tickets are legitimate, including checking to make sure that a ticket broker is a BBB Accredited Business.

To see the story on CBS11-TV, click here:
http://cbs11tv.com/local/Texas.Rangers.Tickets.2.1963049.html

To check out a business with BBB, get lists of BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

SAT and ACT Prep Center Signs Agreed Order in Texas

10/8/2010

Posted on 10/8/2010 by

A business that sold college test preparation materials over the phone to parents of high school students by misrepresenting the offer has agreed to an order to halt misleading practices and make refunds. The SAT and ACT Prep Center, based in Coppell, TX, has been the subject of complaints to the BBB about the misleading practices, dissatisfaction with the product, and difficulties in getting cancellations and refunds.

The SAT and ACT Prep Center, which also did business as Student Resource Center, signed an Agreed Final Judgment and Permanent Injunction on October 5, 2010, following a lawsuit by the Texas Attorney General’s office. The state had charged that the company’s telemarketers called parents and “attempted to appear familiar with the parents’ sons or daughters.” According to the state, “The telemarketers also claimed the parents’ children previously expressed an interest in the study materials.” Parents were charged $120 for a CD ROM and study materials.

“After placing their orders and purchasing the CDs,” says the Texas Attorney General’s office, “many parents later learned that their children had never actually expressed an interest in receiving the study materials. Additionally, many parents discovered that the CD they received matched an outdated 2006 version that was offered by a nationally recognized test preparatory company and was available online for approximately $10.”

In April, 2009, the BBB issued an alert to consumers about the complaints on The SAT and ACT Prep Center. The business had a BBB rating of F, the lowest rating, and most complaints remained unanswered by the company. Some complaints also alleged unauthorized charges of about $50 a month for access to a Web site.

The BBB serving Dallas and Northeast Texas referred information on the business in May, 2009, to the Texas Attorney General’s office.

In July, 2009, the Texas Attorney General’s office filed the lawsuit against The SAT and ACT Prep Center.

In September, 2009, Janice Lieberman reported on NBC ‘s Today Show about the complaints on The SAT and ACT Prep Center. To see the story click here: http://today.msnbc.msn.com/id/26184891/vp/32689062#32689062

The Agreed Final Judgment and Permanent Injunction signed October 5, 2010, prohibits the business from, among other things, misrepresenting that sales personnel are counselors or teachers. The SAT and ACT Prep Center also agreed to establish a $10,000 restitution fund for parents who purchased the materials.

The BBB advises high school students and their families to check out any offers for college test preparation or college application products or services. Contact the student's high school counselor for guidance. To check out a business or file a complaint with the BBB, start at www.bbb.org.

In the News -- Timeshare Resale Scams

10/7/2010

Posted on 10/7/2010 by
Timeshare owners who want to cash out should beware of timeshare resale businesses that claim a buyer is on hand and require fees up front, warns Herb Weisbaum, known as "The Consumer Man". In this story on MSNBC.com, he reports that complaints say that timeshare resale businesses don't come up with buyers as promised.

“They say they have a buyer lined up who’s ready to buy your property,” explains Jeanette Kopko with the Dallas Better Business Bureau. “And they make it sound like you need to pay their fee right away or this buyer is going to slip out of your grasp.”

But after the fee is paid -- several hundred to a few thousand dollars -- the resale business fails to deliver any buyers.

“It is a very large and growing problem,” says Terence McElroy, communications director for the Florida Department of Agriculture and Consumer Services, which licenses telemarketers in the state. “A lot of people really need to unload their timeshares, and unscrupulous telemarketers are able to exploit this situation.”

Mr. Weisbaum notes that timeshare resale complaints are now the most commonly reported consumer problem to the Florida Attorney General’s office. Since the beginning of the year, more than 8,500 people have filed complaints.

To see the story on timeshare resale scams, click here:
http://www.msnbc.msn.com/id/39543605/ns/business-consumer_news/

To check out a business or file a complaint with BBB, start at www.bbb.org.

BBB Warns Against Online Ads for Acai Diet Pills and Work from Home Jobs

10/5/2010

Posted on 10/5/2010 by

BBB continues to receive flood of complaints over deceptively expensive “free” trials

October 5, 2010, Dallas, TX – The Better Business Bureau is warning consumers to be wary of free trial offers online for diet pills, work at home jobs and teeth whiteners among other products and services. In this year alone, BBB has received thousands of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

Ubiquitous deceptive online ads for “free trials” of various products and services can be found on popular sites like MSN.com, ESPN.com, and Weather.com. Often the ads link to Web sites of phony news outlets which, according to the Sydney Morning Herald, commonly feature the photo of a well-known French journalist—without her permission—under various names.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “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.”

One company behind these not-so-free trials is XM Brands which has an F rating with BBB. According to the nearly 2,000 complaints to the West Palm Beach BBB, the company sells roughly 40 teeth whiteners, acai diet pills and colon cleansers online. Complainants say they agreed to pay anywhere from $1.49 to $3.87 to cover shipping for the product trial but were charged as much as $87 a month, sometimes before they even received their trial in the mail. Complainants report getting the runaround from the company when they request refunds or ask to stop being billed; one consumer claims to have lost more than $860 as a result of recurring charges.

One woman in Coppell, TX, complained that she ordered a teeth whitener from XM Brands, but didn’t receive the product within the 10-day trial period. When the product arrived, it wasn’t what she ordered. She was charged $87.47 even though she was within the trial period. She called to cancel and was promised a refund, but later the business said it was “backlogged”. The customer says, “I have continued to call weekly since I have not received a refund. I sent the unused product back, but still haven’t received any refund.”

In just four months, Internet Cash Machines racked up more than 460 complaints from people who were interested in working from home, and has received an F grade from the Los Angeles-area BBB. Consumers say that they signed up for a free trial package of information costing $2.95 but were promptly charged as much as $149. Complainants also say they are unable to cancel by phone or email and have no way to prevent the typically $139-149 fee from being deducted from their account.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with the Better Business Bureau. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Kopko.

Additional advice on signing up for free trial offers is available at http://dallas.bbb.org/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.

Beware Scam Calls Posing as BBB Sweepstakes

10/1/2010

Posted on 10/1/2010 by

Denver, CO – October 1^st, 2010 – One of the most common scams the Better Business Bureau hears about is illegal foreign lotteries. These involve letters and checks sent through the mail or telemarketing calls offering someone a prize, (usually in the hundreds of thousands or millions of dollars). They are told that all they have to do is pay a fee or give private information in order to be eligible or collect the prize.

Once the information is given or fee is sent, (almost always via wire transfer) the scammer is off with the money or private information and the victim receives nothing. They end up a victim of theft, identity theft or both.

In the last couple of weeks, the office of the BBB Serving Denver/Boulder has received several calls from people who were called by someone pretending to, “work for the BBB” saying they won a sweepstakes. An 80-year old woman from Arvada said the imposter went by the name, “Tom Turner” and told she won $1.5 million dollars and a car. All she had to do was call his manager to “work out financing” for the shipping of the car. When the BBB called, “Tom Turner” at (510) 629-2192, he stated he knew nothing about this.

Here are some things to take note of to avoid these scams:

· Legitimate lotteries will not call you on the phone, or send you an email, asking you to send money.

· Never give out your credit card numbers over the phone, or Internet, to a business promising lottery jackpots or other prizes.

· Never send cash to an unfamiliar or foreign business.

· Never accept a collect phone call from someone claiming to be a lottery official. Real lotteries do not call collect.

· Never believe a letter, email or phone call from someone who offers you a guarantee of winning a prize. Real lotteries do not guarantee you will win a prize.

How BBB in Dallas Was Founded 90 Years Ago by Advertising Leaders

9/28/2010

Posted on 9/28/2010 by

How local advertising leaders launched BBB in Dallas

Advertising leaders in Dallas played a central role in the launch of the advertising industry's drive for "Truth in Advertising" as well as the founding of the BBB in Dallas. In 1912, the Dallas Advertising League helped bring the national convention of the Associated Advertising Clubs of the World (now American Advertising Federation) to Dallas with the theme of "Truth in Advertising". Then in 1920, the Dallas Advertising League founded the Better Business Bureau of Dallas as an independent, non-profit organization working for truth in advertising in order to enhance public confidence in the marketplace.

The following is excerpted from "60 Years with BBB, 1920 - 1980" by G. Duffield Smith, Sr., CEO of BBB in Dallas 1946-1975.

In the Beginning ...
It may be said that the famed "Dallas Spirit" was born May 24, 1904, when the city approved the widely publicized E. M. Reardon Plan and organized the State Fair of Texas, succeeding to a series of privately operated fairs which began in 1862 during the days of the Confederacy. Prime movers in the organization of the new State Fair of Texas included Reardon, Charles A. Mangold, Sam P. Cochran, A. P. Tenison, Fred F. Sliney, C. A. Keating, James Moroney, W. H. Gaston, A. H. Belo, James C. Duke, Frank P. Holland, Alex Sanger, E. M. Kahn, and R. A. Ferris. The population of the city at that time was some 80,000. Thus began the continuous and successful exhibition and exposition of the merits, products and advantages of Texas in general and Dallas in particular.

If 1904 marks the date when the "Dallas Spirit" was born, then 1908 may be said to mark the time when it took flight, for that was the year when the Dallas Advertising League was organized. Created by such leaders as George W. Baker, its first president, and Fred E. Johnston, A. G. (Bert) Chaney and Richard Haughton, Sr., as a "booster" type organization, the Ad League served as catalyst in the development of a dynamism that exploded civic activity into many directions, into the reconstitution of a dynamic Chamber of Commerce in 1909, the organization of the Dallas Rotary Club in 1911 and many other civic organizations that followed.

Selling the New Technology
In 1911 a delegation of Ad League members led by Judge William Hawley Atwell journeyed to Boston in a special train to attend the national convention of the Associated Advertising Clubs of the World, today known as the American Advertising Federation, with the avowed purpose of bringing the 1912 convention to Dallas. The big subject on the convention's agenda however was the question relating to the creation of a selling force to create mass distribuion of the products beginning to roll off the assembly lines of American manufacturers resulting from the newly developed technology of mass production.

Advertising as such in those days was virtually unknown among traditional sellers of goods and services, being limited to little more than simple announcements of the arrival of new shipments and availability of their offerings at a price. Purveyors of "snake oil" and nostrums of all types were rampant and their abuses in hawking their wares to a gullible public represented a very real handicap in the development of advertiisng as a sales tool.

Truth in Advertising
Thus the principal objective of the AACW convention was the cleaning up of advertising and its development as a legitimate means of creating mass consumption of the mass-produced products of a new industrial society. So the Boston convention adopted the slogan "Truth in Advertising" as its goal and deferred the development of means to accomplish its objective to its convention the following year. And the invitation and stirring appeal of Judge Atwell and other members of the delegation from the Dallas Advertising League to hold the 1912 convention in Dallas was accepted.

In the year 1912 therefore Dallas hosted its first national convention. It should be noted that 68 years later, in 1980, Dallas hosted the national convention of the AACW's successor organization, the American Advertising Federation.

The 1912 convention, keyed to the slogan "Truth in Advertising", created great fervor in Dallas with this as the theme of the sermons preached in the principal pulpits of Dallas churches the Sunday of the convention. The convention adopted a program calling for the organization of non-profit self-regulatory agencies of business to promote truth in advertising and dependability in marketing practices to enhance public confidence in business advertisements and the enactment of truth in advertising laws in cities and states throughout the nation.

Self-Regulation Spreads
The movement was delayed by World War I but after its conclusion voluntary truth in advertising agencies began to spring up under the sponsorship of advertising and business leaders. First known by various names in different cities, by 1919 the name "Better Business Bureau" was uniformly adopted and in 1920 the Better Business Bureau of Dallas became one of the earliest to come into existence.

The Start
A non-profit corporate charter for the Better Business Bureau of Dallas was approved by the Texas Secretary of State September 7, 1920, the incorporating directors being J. Howard Payne, S. G. Howell and W. R. Patterson. The first directors meeting was held September 17, 1920, and the first meeting of members scheduled for September 29, 1920.

Hugo Swan, a young lawyer with the National Vigilance Commitee of the Associated Advertising Clubs of the World, later known as the National Better Business Bureau and today as the Council of Better Business Bureaus, was elected as Manager-Counsel and installed in office. By 1921, the BBB of Dallas was off and running.

For more on the BBB serving Dallas and Northeast Texas through the years, see http://dallas.bbb.org/article/90th-anniversary-of-bbb-in-dallas--from-truth-in-advertising-to-start-wit-22193

In the News -- BBB Warning on Unauthorized Charges from iEarn LLC

9/28/2010

Posted on 9/28/2010 by

Credit card holders across the country are discovering mysterious charges on their statements from iEarn, LLC, of Coppell, TX, reports Ginger Allen of CBS-11 TV, Dallas - Fort Worth. The money trail goes from Coppell to a felon in Utah.

The news story reports that the Better Business Bureau in Dallas issued a warning this summer about iEarn, now known as Success Funding Now. Complaints to the BBB allege unauthorized charges of $65 to $68. "They don't know who it is, why they are being charged," says Jeannette Kopko, spokeswoman for the BBB in Dallas.

One man in Chicago tells how he recently found not one but two unauthorized charges from iEarn, as well as a mysterious charge for diet pills on the same card more than a year ago. He didn't order anything either time, he says.

Consumers are advised to always check credit card statements carefully, and contact their credit card bank concerning any questionable charges.

To see the story, click here:
http://cbs11tv.com/video/?id=57652@ktvt.dayport.com

To see the BBB Reliability Report on iEarn, LLC, click here:
http://www.bbb.org/dallas/business-reviews/grant-scholarship-financial-aid-finder-service/iearn-in-coppell-tx-90250029

Consumers Say iRenew Bracelet Did Nothing For Their Health

9/27/2010

Posted on 9/27/2010 by

St. Louis, Mo., Sept. 27, 2010 – The Better Business Bureau in St. Louis reports that consumers say that an “energy-balancing” bracelet widely advertised as an aid to improved flexibility, balance and strength has done nothing to improve their health.

Other customers have told the Better Business Bureau (BBB) that they have been frustrated by overbilling, slow delivery and failed attempts to obtain refunds from the Massachusetts-based company that markets the bracelets.

The BBB suggests caution to anyone considering buying the iRenew bracelet, which is advertised on TV in Missouri, Illinois and across the U.S. The bracelet is distributed by Harvest Trading Group of Norwell, Mass., a company that has marketed such “as seen on TV” items as the One Touch Can Opener and the Pancake Puff mini-pancake maker. Harvest Trading Group has a “D” grade with the BBB on a scale of A to F. The BBB in Boston reports about 100 complaints against the company.

“This is a scam of the highest order and I’m the stupid customer,” said a Clayton, Mo., man who ordered two of the bracelets from Harvest Trading Group at a cost of $35. He said he had bought the bracelets, hoping they would help alleviate an ongoing problem with dizziness and balance, but they provided no relief. He said he tried several times to call the company to get a refund, but was never able to get through to a customer service representative and ultimately gave up.

Michelle Corey, president and CEO of the BBB in St. Louis, said the history of American advertising is filled with examples of individuals and businesses marketing questionable miracle cures to the public. She pointed to a disclaimer in small print at the bottom of the iRenew website, www.buyirenew.com, that says the potential health benefits of the bracelet, “have not been evaluated by the FDA. This product is not intended to diagnose, treat, cure or prevent any disease.”

On its Web site, the company says its bracelets use “nano-based biofield technology” that “not only improves the biofields of people but also can positively impact anything biological which includes the biofields of plants and animals as well.” The company also has marketed an iRenew pendant for animals.

“You will be amazed how well your body can function when your biofield is more properly balanced,” the site says.

Consumers have told the BBB that they felt the bracelets were useless, their TV commercials were misleading, the cost of shipping and handling was exorbitant and/or obtaining a refund proved to be extremely difficult.

An 82-year-old woman from the Wappapello Lake area of southeast Missouri said she ordered two bracelets last month after seeing a TV commercial. She said she hoped using the product would improve her dizziness, especially since the ads showed people whose balance appeared to improve dramatically after putting on the bracelets. “My son said I was wasting my time. I’m going to tell him he was right.” She said the only change she experienced after putting on a bracelet was a feeling of numbness in her fingers, possibly because the band was too tight.

A 75-year-old woman from Valley Springs, Calif., said she and her husband took advantage of a two-for-one bracelet offer, believing the product might help him with dizziness and balance problems brought on by two strokes. “It gave him hope,” she said. “It sounded so convincing.” She said they were charged more than $70 for two bracelets including $31 for shipping and handling. She said the bracelets weigh no more than a few ounces each and she mailed them back for $3.10, including the cost of insurance, when her husband discovered they did nothing to ease his symptoms. Later, she said, she noticed two unauthorized charges from the company totaling another $140. “Somebody is making millions of dollars on people like us, who have health problems,” she said.

"I wouldn’t tell anybody to buy it,” said a 62-year-old breast cancer survivor from Riverton, Wyo., who had hoped the bracelet would help her with balance problems. “I’ve tried it several times; it’s not doing anything.”

A senior citizen from Snow Hill, N.C., said after ordering the bracelet, “I’m still stumbling around like a drunk man. I’m gullible; I’m old,” he said. “I think it’s a horrible thing that they can get away with it.”

James P. Lewis, owner and president of Harvest Trading Group, told the BBB his company makes no guarantees about the benefit of the bracelets.

“It’s like anything,” he said. “Some people take Advil and it works great; some people, it won’t.”

Lewis said that anyone who is not happy with the bracelet is entitled to a money-back guarantee, less shipping and handling costs. He said the bracelet has been “wildly popular,” selling some 400,000 in the past three months. He expects sales to reach 1 million. He also said his company has received numerous testimonials from people helped by the bracelet.

“Obviously, with this kind of volume, you’re going to have people upset. We expect more complaints and we expect to address them,” he said. He said there is nothing misleading about the company’s commercials. The commercial shows a black rubber band, he said. “It doesn’t show a diamond watch.”

He said he does not know exactly how the product works, saying only that an electronic charge is somehow put into the bracelet. But, he said, “There’s a science behind it.” He offered to put the BBB in contact with the product inventor to explain the technology. That person had not contacted the BBB by the time this release was issued.

The BBB offers the following advice from people looking at alternative methods of improving their health:

Consult your physician before trying any product marketed to improve your health. Ask your doctor whether you could benefit from the product.
Before ordering any product that is advertised on TV, radio, the Internet or in print publications, make sure you read all information carefully, including any disclaimers or fine print. In the event you might want to return the item, ask whether you will be able to get a refund of your postage and handling costs.
Check a company’s Reliability Report with the BBB by going to www.bbb.org.

BBB Gives F Rating to National Growth Funding, Inc.

9/22/2010

Posted on 9/22/2010 by

Grant Writing Company is Unresponsive to Customer Disputes

Austin, TX – September 21, 2010 – The Better Business Bureau (BBB) has issued an F rating to National Growth Funding Inc. (NGF) for failure to respond to customer disputes. As a result, the company’s BBB Accreditation was revoked for failure to uphold at least a B rating and meet the BBB Standards of Accreditation.

The San Antonio-based company offers business consulting, grant writing and grant finding services to organizations nationwide. Despite receiving hundreds or thousands of dollars in upfront fees, reports to BBB allege that NGF never delivered on promises that they would secure substantial grants and funding from the government for their customers. Other complaints received by BBB indicate poor workmanship and that NGF has not answered requests for refunds or contract negotiations.

BBB currently reports receiving eight complaints against NGF in the past year, five of which remain unanswered. On June 16, 2010, BBB contacted NGF to discuss concerns that the disputes were beginning to form a pattern. The company has not yet responded. For more details, view the company's BBB Business Review here.

Before paying money for assistance in earning government grants, BBB offers the following advice:

· Start with trust. Always check out a company’s BBB Business Review before giving out any bank account or credit card information. Reports are available for free at www.bbb.org.

· Be skeptical. Generally speaking, obtaining a grant is a complicated process, requiring documentation and research. The vast majority of grant-making foundations require that applicants meet very specific guidelines and that the funds be used for specific projects supported by the foundation. Be wary of any company promising a quick, easy or guaranteed result.

· Check free sources first. There is no reason to pay for software or guides when applying for government grants. Free information is available on federal government Web sites including grants.gov, govbenefits.gov and sba.gov.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

Contact BBB serving Central, Coastal and Southwest Texas at (512) 445-4748.

BBB Urges Consumers to be Cautious with Craigslist

9/22/2010

Posted on 9/22/2010 by

September 17, 2010 – Saint Paul, MN – In the wake of another tragic death in the Twin Cities area involving a transaction initiated through Craigslist, the Better Business Bureau of Minnesota and North Dakota (BBB) is advising the public to practice caution when using the online service and others like it.

“There are certainly deals to be found online, but it’s good for both buyers and sellers to remember they’re usually dealing with people unfamiliar to them,” said Dana Badgerow, president and CEO of the BBB. “There are risks involved and we feel it’s very important that people take the time to pause and consider both their personal and financial security.”

Here are some basic tips from the BBB in regard to using sites like Craigslist:

Try to deal with local buyers and sellers.
Never wire funds. Scammers use this method to get victims to send money.
Use caution when using an escrow service – make sure it’s reputable by checking them out at www.bbb.org.
Never give out your Social Security or personal financial information.
Don’t apply for jobs that require a payment. You should not have to pay up front to get a job.
Apartment or home rentals should be thoroughly checked out and inspected in person before money is put down. Don't rely only on photos.
Consider the risks involved with selling a high value item yourself and weigh that against any extra profit you might make. Is it worth it?

The following are red flags, signs you’re likely dealing with someone using Craigslist to defraud people:

The buyer or seller is from another country.
The buyer or seller will not meet with you and will only communicate via e-mail.
The buyer overpays and asks you to wire the extra funds back to him/her.

The riskiest part of buying or selling something through Craigslist (or other online e-commerce sites) is the meeting to complete the transaction. Here are some tips to ensure your transaction goes safely and smoothly:

Set up meetings during daytime hours and in a public place (coffee shop, restaurant).
Consider bringing a friend or family member with you if you have safety concerns.
If you’re the seller, consider using an escrow service.
If you’re buying an item, don’t pay with cash if the item is more than one hundred dollars; pay with a cashier’s check and let the seller know in advance you’re paying with a cashier’s check.
If the seller insists you come to their home or apartment, tell them you will only meet at a neutral public site.
Trust your instincts. If you don’t like the direction things are taking, walk away.

As in life, most of the people you deal with when buying or selling household goods on sites like Craigslist are honest. However, there are those who see these sites as an opportunity to commit crimes. The BBB advises everyone who uses Web sites like these to make sure they’re doing everything they can to protect themselves.

Contact:
Dan Hendrickson, Communications Coordinator, BBB in St. Paul,
651-695-2463 / dhendrickson@thefirstbbb.org

BBB Advises Don’t Get Spooked by Ghoul and Goblin Boutiques!

9/22/2010

Posted on 9/22/2010 by

The air is getting cooler. Fall is upon us; the season of festivals, camp fires and trick or treating! It is the time of the year where every kid in America is trying to decide what costume to wear for Halloween. The Halloween Industry Association claims Halloween is the second largest commercial holiday in the USA. According to the Halloween Online Magazine, the Halloween retail industry brought in $2.5 billion in sales and advertising revenue in 2009.

Before you rush out to buy your Lady Gaga look-a-like costume, or Buzz Lightyear gear for your little guy, the BBB suggests you exercise caution. Many Halloween costume stores and Web sites are seasonal. Follow these tips from the Better Business Bureau (BBB) so you won’t be haunted even after Halloween is over.

Location, Location. If you're interested in trying a store that's just popped up in your neighborhood or a new online merchant who you’re not familiar with, get the physical location (address and phone number) so you can check out the business with the Better Business Bureau (BBB).
Customer Satisfaction Policy. Determine the company's refund and return policies before you buy. If online companies can’t offer concrete commitments on how they will handle any potential problems you may have with their products or services, reconsider doing business with them.
Leave Nothing to Chance. Be sure you have a thorough understanding of everything involved before making an order. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.
Guard Your Personal Information. Only provide your credit card information number online in a secure environment. Look for the prefix https:// . . . in the URL box which lists the Web site’s Web address to be sure that a site you are using is secure.
Check For Reliability at www.bbb.org Consumers can search for a company by name, phone number and even by Web site.

Home Safe Financial Assistance Customers Tell BBB They Were Abandoned By Mortgage Modification Firm

9/22/2010

Posted on 9/22/2010 by
St. Louis, Mo., Sept. 20, 2010 - A company from West St. Louis County that promised to try to reduce monthly mortgage payments for hundreds of homeowners across the U.S. apparently has gone out of business, leaving many of its customers at even higher risk of foreclosure.

The Better Business Bureau (BBB) says the case should send a strong warning to desperate property owners who are considering paying loan modification companies for help in saving their homes.

“They have been left out to dry,” said Elijah H. Norton, chief executive officer of Home Safe Financial Assistance, Inc., referring to many of those who had contracted with his company. “The majority of them were in horrible financial straits, and now they are screwed.”

The BBB said the company began operating in the Earth City, Mo., area earlier this year before relocating briefly to Kansas City and then shutting its doors. The company was headed by Derek Doherty of the St. Louis area and Norton, of Kansas City. Norton, the company CEO, blames company mismanagement for the problems.

Several consumers told the BBB that they paid Home Safe Financial Assistance between $600 and $1,600 on promises that the company could help get them out of debt by reducing their home loan payments, but the company did little or nothing to help them.

Michelle L. Corey, president and CEO of the BBB in St. Louis, said the problems associated with Home Safe Financial Assistance highlight the risk consumers take in dealing with loan modification companies. “These continue to be very stressful economic times for many people and there are businesses out there making promises that they simply can’t keep,” she said.

“Consumers should look at every possible option before handing money over to a company that claims it can reduce their home loans and turn their financial storm clouds into blue skies and sunshine,” she said.

In addition to Home Safe Financial Assistance, two other companies became involved in the failed venture: Financial Hope for America of Temecula, Calif., and Capital Debt Management, Inc., of St. Peters, Mo. After Home Safe Financial Assistance shut down, it transferred its clients to Financial Hope for America, which has been trying to collect additional payments from former Home Safe Financial customers.

Financial Hope of America, also known as Certified Financial Protection Group, has a history of unanswered BBB complaints and an “F” grade with the Los Angeles BBB.

Capital Debt Management, Inc., is operated by former officials and employees of Car Safe, a broker of extended auto service contracts that was sued last year by the Missouri attorney general’s office.

Officials with Capital Debt Management told the BBB that the company’s role was to market and sell loan modification agreements to consumers on behalf of Home Safe Financial Assistance.

Capital Debt's manager, Jimmy Pyant, said of Home Safe, “They almost put us out of business. It wasn’t a good situation for us or the clients.”

A neonatal nurse and the mother of two infants said she was on the verge of losing her home in Mebane, N.C., when her stepfather saw a TV commercial for Home Safe Financial Assistance earlier this year. She said a customer service representative who answered her call told her she could still save her home by hiring Home Safe Financial Assistance to negotiate a loan modification on her behalf. The cost would be $950 up front and several monthly payments of $250 each.

Sometime later, at her foreclosure hearing, the attorney for the bank which held her mortgage told her Home Safe Financial had never contacted the bank. She said she has tried repeatedly to get the refund she was promised, but with no luck. Even after she lost her home, she said, Financial Hope for America has continued to try to take money out of an account she has since closed.

A woman from Pattersonville, N.Y., said Home Safe Financial Assistance was the second home loan modification company that had failed her. She said she lost $3,500 to a California company in 2009 when that company promised to reduce her loan payment, but did not. She said she panicked in January of this year when she received foreclosure papers on her home and contacted Home Safe Financial Assistance in a frantic attempt to keep her home. A Home Safe representative told her the firm could get her loan principal cut by $30,000 and her monthly payments cut from $1,700 to about $1,000.

She said Home Safe went out of business after taking about $1,500 of her money and she now is being asked to pay an additional $199 a month to Financial Hope for America, which took over the account. “I’ve pretty much lost my home,” she said. “I have six months to get out. I can’t believe they are doing this to people.”

Norton, the CEO of Home Safe Financial, said that while he handled the company’s day-to-day operations, the owner was Derek Doherty. “The company (Home Safe Financial) was not a scam,” Norton said. “It was a legitimate company.” He said he left the company in July and described it at that time as “kind of a mess. It was just a tragedy; it was a failed business.”

Doherty did not return a BBB call to his cell phone.

Norton and Capital Debt Management’s owner John “Jake” Ehlinger said Capital Debt Management was responsible for running the national TV advertising and making the home loan modification sales to customers. Ehlinger, a former owner of Car Safe who sold his share in that business earlier this year, said he initially believed Home Safe Financial was helping clients escape foreclosure.

“At the end of the day, I feel somewhat liable for what these people have been through,” Ehlinger said of Home Safe Financial’s clients. “I thought I was helping people. We thought we were helping these people save their homes.” He said he believes as many as 300 homeowners may have been harmed. He also said Doherty and Home Safe Financial still owe his company $200,000.

Ehlinger said his company still sells home loan modification services, but for another company.

The BBB offers the following tips for homeowners having problems meeting their loan payment obligations:

Try to work with the bank or other institution that holds your loan before going to a third party. Arrange a meeting with your lender to try to work out a payment agreement acceptable to both of you.
Be extremely cautious when looking to contract with a company that promises to modify your home loan. Scrutinize any contract carefully before signing anything or paying any money for loan modification work. Be especially cautious of home loan modification companies that advise you to suspend making loan payments while they work on your case.
Check BBB Reliability Reports at www.bbb.org.

Contacts: Michelle Corey, President & CEO of the BBB in St. Louis, 314-645-3300, mcorey@stlouisbbb.org, or, Chris Thetford, Director of Communications of the BBB in St. Louis, 314-645-3300, communications@stlouisbbb.org

90th Anniversary of BBB in Dallas -- From Truth in Advertising to Start With Trust

9/14/2010

Posted on 9/14/2010 by

Dallas, TX, September 14, 2010 – Ninety years ago in September, 1920, the Better Business Bureau (BBB) serving Dallas and Northeast Texas was founded to promote truth in advertising in the Dallas marketplace. Today the BBB in Dallas continues to fulfill that original mission with a local advertising review program and with services that have been added through the years to help customers Start With Trust®.

Consumers and businesses now turn to the BBB not only for concerns about truth in advertising, but also for Reliability Reports on businesses; lists of BBB Accredited Businesses; news, tips, and scam alerts; and customer complaint processing including BBB arbitration.

The Dallas Advertising Review program continues to identify questionable advertising claims and ask businesses to correct or stop advertising that doesn’t meet BBB standards as outlined in the BBB Code of Advertising.

“Our vision is a marketplace distinguished by trust between consumers and businesses,” said Jay Newman, President and CEO of the BBB serving Dallas and Northeast Texas. “The BBB helps accomplish that by holding businesses to high standards of good business practice. We support an information system that allows people to make good buying decisions based on those standards by telling consumers how companies have treated their existing customers.”

In 1956, Stanley Marcus of Neiman Marcus in Dallas said: “If the Better Business Bureau went out of business tonight, we would have to organize one tomorrow morning.” He noted the BBB is “financed and carried on by business to maintain a high standard of morality and ethics in the business community that will justify the continued confidence of the public in business and in the free enterprise system.”

In 1912, advertising professionals across the country joined together to begin establishing independent organizations to promote “Truth in Advertising” and seek voluntary cooperation from businesses. The name “Better Business Bureau” was adopted for these organizations. (Above, an early BBB member emblem.)

In Dallas, the BBB was established by the Dallas Advertising League. On September 7, 1920, the Better Business Bureau of Metropolitan Dallas, Inc., was chartered as a non-profit organization in Texas, and the first meeting of the board of directors was September 17, 1920. The first meeting of member businesses was held on September 29, 1920.

One of the earliest cases handled by the BBB in 1921 was a “bait and switch” advertisement for tires. Only one of the advertised brand of tires was available “with the salesman exerting all his efforts to switch the BBB shopper” to another brand. The business agreed to change its advertising.

A few more examples from the BBB’s decades:

In the 1930’s, the BBB investigated numerous oil promotion schemes following the discovery of the East Texas oilfield. (Below, BBB manager William H. Collier (center) with a consumer, about 1938.)

In the 1940’s, the BBB worked to improve mattress labeling and quality. The BBB found that mattresses sold as new contained “refuse material”, resulting in the creation of a state bedding association and the enactment of a state bedding law.

In the 1950’s, the BBB examined the claims for the “Atomotrone”. The device was said to produce “Electrical” or “Thermal” water to cure diseases and treat medical conditions. The BBB found that the water “remained as it was before, namely, water”. The BBB publicized its findings, and later the promoter was charged with mail fraud. (Above, U.S. Marshal with Atomotrone.)

In the 1960’s, the BBB warned the public about “Betsy Cars”. These cars had been damaged in Hurricane Betsy and were being offered to unknowing buyers at 30% to 40% of the insurance payments that sellers had received.

In the 1970’s, complaints piled up on reducing salons and skin-peel clinics, but the BBB couldn’t get resolution on a voluntary basis. A referral to law enforcement resulted in several of the businesses shutting down, and an injunction on one.

In the 1980’s, the BBB alerted businesses to a for-profit business using a charity-like appeal to sell advertising in a drug abuse manual. The manual was never published.

In the 1990’s, the BBB notified advertisers were not complying with new federal truth in lending requirements. Most advertisers cooperated, as did an auto dealer whose advertising agency agreed to include in future ads all of the required disclosures for financing offers.

In the 2000’s, the BBB warned the public about a succession of gifting schemes. Participants paid a so-called gift, on the promise of a big payoff when others “gifted”. The schemes were illegal pyramids that collapsed when new gifts ran out.

Today, the BBB in Dallas serves 13 counties in Northeast Texas: Collin, Cooke, Dallas, Delta, Denton, Ellis, Fannin, Grayson, Hopkins, Hunt, Kaufman, Lamar, and Rockwall.

In 2009, the BBB in Dallas provided 3,797,053 instances of service, including 1,653,881 Web page visits. There were 1,422,499 requests for BBB Reliability Reports® and 438,876 requests for lists of BBB Accredited Businesses. A total of 32, 871 customer complaints were filed, and the BBB in Dallas handled 137 advertising review cases.

BBB Reliability Reports on businesses list basic information on the business as well as the BBB rating, which ranges from A+ to F. The BBB rating is based on several elements, including whether there have been customer complaints and if so, whether complaints are resolved. In addition, businesses that meet BBB accreditation standards are shown as BBB Accredited Businesses. The BBB reports on both accredited and non-accredited businesses.

BBB Accredited Businesses must meet BBB accreditation standards, based on the BBB Standards for Trust: Build Trust, Advertise Honestly, Tell the Truth, Be Transparent, Honor Promises, Be Responsive, Safeguard Privacy, and Embody Integrity. (Above, BBB Accredited Business seal.)

To learn more or to check out a business, find BBB Accredited Businesses, see news, tips, and alerts, or file a complaint, start at www.bbb.org.

BBB Offers Tips on Clean-Up and Repair After the Dallas Tornadoes and Storm

9/9/2010

Posted on 9/9/2010 by

Dallas, TX, September 9, 2010 – Tornadoes, high winds, pouring rain, and flooding hit the Dallas and Northeast Texas area on Wednesday, September 8, and now the clean-up is underway. Homeowners and business owners in Dallas and Ellis counties and surrounding areas are coping with downed fences, fallen trees and branches, damaged roofs, water-soaked property, and damaged cars.

The Better Business Bureau serving Dallas and Northeast Texas advises customers to take steps to protect property and minimize damage. If you need to make any temporary repairs, be sure to keep receipts because you may need those for an insurance claim. Notify your insurance agent as soon as possible to start your claim and find out how the insurance company can help.

Reduce the chances of even more problems by choosing repair businesses carefully. It’s not unusual after a severe storm for unreliable contractors, whether from the Dallas area or from out of town, to target customers who need repairs. The BBB offers these tips to help customers find repair services to trust:

Get more than one bid. It's a good idea to get two or three bids, and compare materials, service, and guarantee, not just price.

Know the company you're dealing with. Ask for – and check out – customer references. Check out the business with the BBB at www.bbb.org or in Dallas call 214-220-2000, or in surrounding areas call 1-800-705-3994. A BBB Reliability Report on a business lists basic information on the business as well as the BBB rating, which ranges from A+ to F. The BBB rating is based on several elements, including whether there have been customer complaints and if so, whether complaints are resolved. In addition, businesses that meet BBB accreditation standards are shown as BBB Accredited Businesses. If the BBB has no report on the business, that's neither approval nor disapproval.

Be alert for unreliable contractors who may pour in after the storm. Some contractors who follow storms may charge high prices for shoddy work, or leave jobs unfinished. Look for these red flags: Be cautious of contractors who solicit business door-to-door with vague information; drive unmarked trucks; have no local physical address or phone; or use scare tactics ("That chimney's about to fall") or high pressure ("This price is good today only"). You can check out contractors based anywhere in the country at www.bbb.org.

Read and understand the contract and guarantee. The contract should include a written description of the work to be done, and the price of labor and materials. If the company makes any verbal promises (such as "We'll take away the cut tree limbs"), make sure those promises are in writing. The guarantee should describe what's covered by the guarantee, for how long, and what the company will do to honor the guarantee.

Keep down payments reasonable. It's not unusual for a repair service to ask for some money down. But if you're not comfortable with the down payment that's being requested, ask the company to agree on a smaller down payment. One rule of thumb is to avoid paying more than about a third to a half of the total as a down payment. Don't pay the entire amount in advance. Make payments by check or credit card, made out to the company, not in cash.

Find a BBB Accredited Business. To be BBB accredited, businesses must meet BBB Standards of Trust. Start at www.bbb.org and click on “Find a BBB Accredited Business”. These are just some of the available categories:

Fence Contractors
Roofing Contractors
Tree Service
Fire and Water Restoration
Auto Repair & Service
Auto Body Repair & Painting

Try BBB’s “Request a Quote” service. Ask for bids on the service you need from BBB Accredited Businesses. Start at www.bbb.org. In the section “BBB For Consumers”, click on “Request a Quote from BBB Accredited Businesses.” Select the category you are interested in. Then select a BBB Accredited Business from the list and within the business listing click on “Request a Quote”.

About the BBB
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB provides services for both BBB Accredited Businesses and non-accredited businesses. BBB services include BBB Reliability Reports^® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 3 million local and national businesses and charities. Please visit www.bbb.org for more information.

BBB Reports F Rating for American Home Mortgage Servicing Inc.

9/3/2010

Posted on 9/3/2010 by

In the wake of recent legal action taken by the Texas Attorney General’s Office against American Home Mortgage Servicing, Inc., (AHMSI), BBB reports that AHMSI has been assigned an F rating due to the high volume of customer compalints and the recent government action. The company, based in Coppell, TX, provides mortgage loan services to homeowners and loan investors in Texas, California and Florida. BBB serving Dallas and Northeast Texas has received 651 complaints against the business in the last 36 months.

Consumers across the country report to BBB that AHMSI erroneously processes their payments and delays updating their system to reflect accurate account balances. In addition, consumers report to BBB that the company accuses them of having overdue payments that result in higher rates and additional late fees. According to the consumers, the accusations and collection discrepancies from AHMSI are depreciating their personal credit scores and threatening their financial stability.

On August 30, 2010, the Texas Attorney General's Office announced it had filed suit against American Home Mortgage Servicing, Inc. in the District Court of El Paso County, Texas. Charges filed allege the business is in violation of the Texas Debt Collections Act and the Texas Deceptive Trade Practices Act. The suit alleges improper collection methods and misleading customers. The State is seeking a permanent injunction, civil penalties, all money or property taken from identifiable Texas consumers and pre-judgment interest on all awards of restitution. The matter is pending.

For more information on the Texas lawsuit, click here.

Click here to view AHMSI’s current BBB Business Review.

Working with a Mortgage Loan Service:

• Start with trust. Look up the BBB Business Review of any company to see how they have addressed any consumer disputes in the past.

• Solicit multiple bids. Get estimates from at least three different loan companies before making a decision. BBB offers a free Request a Quote service to put consumers in touch with BBB Accredited Businesses.

• Get details in writing. Consumers should not be pressured into signing a mortgage contract right away. Take the time to review the details of the contract carefully and make sure all details are confirmed in writing.

• File a complaint with BBB. Notify BBB if you think you are the victim of a loan payment processing error to receive assistance in dispute resolution.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

BBB Gets Junk Fax from EnviroFax Commission

9/2/2010

Posted on 9/2/2010 by

The Better Business Bureau gets junk faxes too! Last week the BBB serving Dallas and Northeast Texas received an unwanted fax from EnviroFax Commission that raised a lot of questions.

What does the fax from EnviroFax Commission offer?
The fax is headlined “Fax Us Your Unwanted Faxes” and gives a toll-free fax number. The offer: “We will contact the sender and have your fax number permanently removed from their fax list.”

The BBB notes that, under a Federal Communications Commission (FCC) rule, anyone can “opt-out”, or ask to be removed from a fax sender’s list. No one is required to send a fax number to EnviroFax Commission or any other service in order to be removed from a sender’s list.

What is EnviroFax Commission?
According to the fax, “EnviroFax Commission is a nonprofit corporation. Its assistance is FREE. EnviroFax does not sell goods or services and will not contact you.”

The BBB in Dallas hasn’t been able to learn any further information about EnviroFax Commission, or confirm that it’s a non-profit organization. An Internet search didn’t turn up a Web site or an address.

Why is EnviroFax making this offer? What is EnviroFax doing with fax numbers it collects?
EnviroFax claims it is offering this service because “Many recipients do not take the time to remove faxes or opt-out improperly which results in continued unwanted faxes.”

Why would an organization offer – for free – to help recipients stop unwanted faxes? One guess is that EnviroFax Commission isn’t a nonprofit organization at all, but is a business. EnviroFax might be collecting active fax numbers (that is, numbers that recipients fax back from) in order to use those active numbers to send additional faxes or to sell to fax blasters.

How can you stop junk faxes?
If the fax has contact information for the junk fax sender, send an "opt-out" request to take your fax number off the sender's list. Your request must include the fax number or numbers for your request, and must be sent to the telephone number, fax number, Web site address, or email address on the unwanted fax.

To find out more about your rights concerning junk faxes, see this fact sheet from the Federal Communications Commission: http://www.fcc.gov/cgb/consumerfacts/unwantedfaxes.html

iTech Electronics Shorts Out in Resolving Customer Disputes

9/2/2010

Posted on 9/2/2010 by

Consumers Say Company Delays and Misdiagnoses Repairs, Often Doesn’t Return Products

BBB in Austin has issued an F rating to iTech Electronics for failure to resolve consumer disputes. The Austin-based company offers repair services for Apple products, such as iPhones and iPods, to consumers nationwide.

Over the past year, several consumers across Central Texas and the U.S. filed complaints with BBB alleging that products they sent to iTech Electronics have not been returned. The company has not been responsive to these consumers, despite the fact that they have been holding on to the consumers’ products for several months. Additional consumer complaints filed with BBB allege that the company misled them about the amount of service time needed, and in some cases, failed to repair the product after an extended amount of service time.

Currently BBB reports that eight of the company’s thirteen disputes remain unresolved. In cases where the company has responded, consumers say the responses are elusive and generic, leaving the specific complaint or request for refund unanswered. Click here to view iTech Electronics’ current BBB Business Review.

Tweet This: Need ur iPod or iPhone fixed? Choose ur repair shop wisely, @CentralTexasBBB gives F rating to 1 in Austin

Hiring a Trustworthy Repair Service:

• Check with BBB. Look up the BBB Business Review of any service or repair company to see how they have addressed any consumer disputes in the past.

• Use a specialist. Try to find a repair service that specializes in fixing your specific item. Generally, these businesses will be able to diagnose the problem more accurately and may be able to fix the problem more efficiently than others.

• Solicit multiple bids. Get estimates from at least three different companies before making a decision. Consumers can check with BBB to find a BBB Accredited Business in the Dallas area.

• Get a receipt and a warranty. These will protect you if the repairs do not fix the problem or the item stops working again after a short time period. Read the fine print carefully to make sure there is a procedure for getting additional repairs or your money back if needed.

To check on a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

Scammers Target Job Hunters in Weak Economy, Warns BBB

9/1/2010

Posted on 9/1/2010 by

Stay safe on the hunt by looking for seven red flags

September 1, 2010 - Dallas, TX –As the unemployment rate hovers around 10 percent, the Better Business Bureau warns that scammers are taking advantage of the opportunity by preying on the unemployed. Identifying the common red flags of a scam is one way for job hunters to protect themselves and their wallet.

According to the Labor Department, new jobless claims in mid-August unexpectedly jumped to 500,000, an increase of 12,000 over the previous week. Not only did jobless claims rise suddenly, but the length of unemployment is bleak for many. According to a July report from the Bureau of Labor Statistics, nearly 45 percent of unemployed Americans had been out of work for more than 6 months.

“The dismal employment rate means that a lot of people are desperate for work and may be grasping for any job which creates a great opportunity for scammers,” said Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag: The employer offers the opportunity to become rich without leaving home
While many legitimate businesses allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money conveniently at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

Red Flag: The employer asks for money upfront
It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. One scam used the name National Commercial Cleaning and a Dallas address to place Help Wanted ads for high-paying janitorial work. Job seekers complained to the BBB that after paying a $60 fee upfront for a background check, they never heard from the scammer again. Always research the job thoroughly before opening up your wallet. Also be wary of job placement companies that ask for large upfront fees to find you a job. The BBB in Dallas has received complaints on Rigworker.com, which offers services for oilfield workers. Rigworker.com says some services are free and charges $79.95 upfront for “advanced services”. Complaints allege that job seekers paid the fee but couldn’t access the information, or the information was worthless. You shouldn’t have to pay upfront to get a job. An employment agency does not collect a fee upfront.

Red Flag: The salary and benefits offered seem too-good-to-be-true
The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little work and no experience necessary in order to lure unsuspecting job hunters into their scam.

Red Flag: Employer e-mails are rife with grammatical and spelling errors.
Online fraud is often perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words. One example forwarded to the BBB in Dallas said: “We have got sight your CV. We are a small consultancy firm situated in Poland, Warsaw. In current moment we have an open position of Financial Manager. Vacancy of Financial Manager requires part-time work from the applicant. The job includes remittance of funds from our customers.”

Red Flag: The employer requires you to check your credit report
After posting their resumes online or responding to online job listings, many job hunters received what they thought was good news: an e-mail from an interested employer. In order to be considered for the job, the applicant has to check his or her credit report through a recommended website. The truth is, the e-mail is just an attempt to get the job hunter to divulge sensitive financial information or sign up for credit monitoring services.

Red Flag: The employer is quick to ask for personal information such as Social Security or bank account numbers
Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork, suspicions were raised – and rightly so. Regardless of the reason, a job applicant should never give out his or her Social Security or bank account numbers over the phone or email and only after they’ve confirmed the job is legitimate.

Red Flag: The job requires you to wire money through Western Union or MoneyGram or receive and forward suspicious goods
Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers. The BBB in Dallas regularly hears from consumers who are excited to receive letters offering work as a mystery shopper. The letters mention well-known stores and ask the recipient to make some purchases and also to wire a large amount of money. A check is enclosed to cover expenses and earnings for the shopper. Consumers who deposit the check and wire the money before the fraud is discovered end up losing their own money -- $3,000 or more. Sometimes the letters and checks use the same names and addresses as real businesses, only adding to the confusion. BBB also warns against receiving and mailing suspicious goods—such as electronics or luxury items—overseas.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Jeannette Kopko, BBB serving Dallas and Northeast Texas, at 214-740-0320.

About BBB serving Dallas and Northeast Texas
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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In the News -- Wedding Venue Closes

8/31/2010

Posted on 8/31/2010 by
Aija Restaurant and Banquet in Dallas has closed unexpectedly, leaving wedding couples in the lurch. The Dallas Morning News reports that the venue didn't let brides and grooms know that the business was closing.

The business also operated as Arts District Banquet Facility. Now the business has filed for bankruptcy.

The Dallas Morning News article gives tips from the BBB on checking out wedding services, and advises: "Do your research ... check companies with the local Better Business Bureau."

To see The Dallas Morning News story on Aija Restaurant and Banquet, click here:
http://www.dallasnews.com/sharedcontent/dws/news/localnews/stories/083110dnmetbrides.a6bf8caf.html

To see the BBB Reliability Report on Arts District Banquet Facility and
Aija Restaurant and Banquet, click here:
http://www.bbb.org/dallas/business-reviews/wedding-supplies-and-services/aija-restaurant-and-banquet-in-dallas-tx-90046956

To check out a business, see BBB Accredited Businesses, or file a complaint, start here: www.bbb.org.

In the News -- Misleading Mortgage Mailings

8/31/2010

Posted on 8/31/2010 by

Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas, tells Ken Kalthoff of NBC5-TV that customers with new mortgages are likely to get official-looking letters offering mortgage insurance, biweekly payment plans, and other services.

Some letters use the name of a bank, but they are not from the bank. The letters are seeking to find consumers who might be interested in buying a service.

To see the NBC5-TV story on misleading mortgage mailings click here:
http://www.nbcdfw.com/around-town/real-estate/Beware-of-Misleading-Mortgage-Junk-Mail-101836078.html

To check out a business, find BBB Accredited Businesses, or file a complaint, start here: www.bbb.org

BBB Warns about Phony Debt Collection Calls

8/31/2010

Posted on 8/31/2010 by

BBB in Austin warns consumers to beware of phony debt collection callers impersonating Kentucky-based payday loan company, US Cash Advance. A consumer in Temple, Texas reported to BBB she received a phone call stating her husband had been turned in for collections.

“They called and said ‘your husband is in serious legal trouble’,” the consumer said. “They had his name, social security number, our address, his birthday and the name of our bank.”

The caller claimed the consumer needed to take care of an outstanding payday loan from 2009 or charges would be filed. She tells BBB her husband never took out a payday loan and the caller could not verify the exact date of the loan. The consumer refused to pay and called BBB for help.

BBB investigated the consumer's complaint and she is not alone. The Cincinnati, Ohio BBB has received over 77 similar complaints. Click here for the online statement from US Cash Advance explaining that they are not involved with these phony collections or here for the BBB report on the impersonation scam. BBB is unable to identify the persons responsible for these calls at this time.

Tweet This: Warning about phony debt collection calls from @CentralTexasBBB

BBB offers the following advice to consumers who receive suspicious telephone calls about an outstanding debt:

· Demand proof. Ask the debt collector to provide official documentation which substantiates the debt.

· Avoid providing personal information. Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.

· Report all suspicious behavior. File a complaint with BBB or the Texas Attorney General’s Office if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.

To check out a business, find BBB accredited businesses, or file a complaint, start at www.bbb.org.

Austin Dog Breeder Earns F Rating from Better Business Bureau

8/31/2010

Posted on 8/31/2010 by

BBB in Austin has issued an F rating to local dog breeder, Amanda’s Puppies, due to failure to resolve consumer disputes. According to customer complaints filed with BBB, the Austin-based company advertises and sells puppies on the Internet at www.maltipoopup.com for as much as $950. The owner of the company, Amanda Schnell, has responded to one consumer dispute, but others remain unresolved.

According to BBB files, consumers are asking Amanda’s Puppies for a refund because the dog they purchased became ill shortly after they received the puppy. According to the purchase agreement, puppy buyers have four days to return the puppy, along with a written assessment from a licensed veterinarian, in order to receive a replacement at the discretion of Amanda’s Puppies. While Amanda’s Puppies does recommend that all puppies be examined immediately, consumers allege that Schnell is slow to respond to consumer correspondence about illness symptoms during the four day guarantee period. Two of the dogs have died from the illnesses diagnosed.

Other consumer disputes filed against Amanda’s Puppies allege that the company mislabeled the breed of the puppies sold. The company has not responded to either of these complaints.

BBB contacted Amanda’s Puppies on August 13, 2010 to discuss the unanswered disputes and address concerns that these disputes are beginning to form a pattern. The company’s owner, Amanda Schnell, responded by stating she “do[es] not own a registered business” and asked BBB to “not contact [her] about business matter[s].” Click here to view the company’s current BBB Business Review.

Tweet This: Local dog breeder gets F rating from BBB - be careful, warns @CentralTexasBBB

Identify Red Flags of Dog Breeders:

· The breeder lacks knowledge about the breed. Every breed of dog has different physical and behavioral traits. If the breeder cannot provide basic information such as how big the dog will grow, possible health concerns that may arise later in its life and how it usually interacts around other dogs and children, consider purchasing from a different breeder.

· The breeder does not let you observe the puppies. It is important to see how a puppy is taken care of before you purchase it. If the breeder will not allow you to tour the kennels, it may be a sign that living conditions may be less than adequate. Request to see the parents of the puppy as well to make sure they are in a healthy state.

· The breeder does not have references or paperwork. A reputable breeder should be able to provide a list of satisfied customers as well as veterinarian paperwork for the puppy you are interested in. The breeder should also have a membership record with the American Kennel Club, the Continental Kennel Club or the United Kennel Club, which maintain a code of ethics for breeders.

· The breeder does not ask you questions. A responsible breeder will want to know if you have had other pets, whether you have children, if you rent or own or live in a house or apartment with a fenced yard. The breeder may ask if you are familiar with dog laws in your community and whether you are aware of the costs involved with owning and maintaining a pet. It should be just as important to them that their puppies find a good home as it is for you to find a good breeder.

To check the reliability of a company and find trustworthy businesses, visit BBB at www.bbb.org.

BBB Warns Consumers to Watch for Mystery Charges from iEarn, LLC

8/24/2010

Posted on 8/24/2010 by

Dallas, TX, August 23, 2010 -- Mysterious charges of about $65 to $68 from iEarn, LLC, are turning up on credit card and bank accounts across the U.S., according to recent complaints to the Better Business Bureau. Some complaints allege that accounts have been charged more than once by the Coppell, TX-based business. Now the business is operating as Success Funding Now.

A woman in St. Paul, MN, complained: “A bill of $65.32 appeared on my credit card statement … I have never heard of let alone done business with this company and wonder where they got my credit card information. I am disputing the transaction through the credit card company but it concerns me that I have never heard of this company before yet they are billing me for what???”

The first complaint was filed with the BBB serving Dallas and Northeast Texas in late July, 2010, and a month later there are 19 complaints. The complaints are from California, Indiana, Kansas, Maryland, Michigan, Minnesota, Nebraska, Ohio, Utah, and Wyoming. The BBB sent the complaints to the business, but so far there’s no response from the business.

iEarn, LLC, now operating as Success Funding Now, is not a BBB Accredited Business. The business has a BBB rating of F, on a scale from A+ to F. Reasons for this rating include:

• BBB concerns with the industry in which this business operates.
• Length of time business has been operating.
• BBB does not have a clear understanding of this business.

“The BBB urges consumers to check their credit card and bank accounts frequently for any unauthorized charges,” said Jeannette Kopko, BBB Dallas spokesperson. “The unexpected and unexplained charges from iEarn, LLC, now operating as Success Funding Now, are not just an inconvenience to the consumers whose accounts have been charged. The BBB is concerned that the charges may be fraudulent.”

Complaints report that not only is it a mystery where the charges come from, but also the business isn’t answering the phone or replying to emails.

A man in Phillipsburg, KS, said: “On 7-22-2010, $65.32 was charged to my credit card without my approval. When calling the number on my statement I got a recorded message that said due to a large volume of calls any questions would have to be handled by email and they would get back to me within 24 business hours. If I wanted to cancel I would have to give them the last 4 digits of my credit card, which I will not do. I have emailed them twice over the last 7 days and have had no response … “

One clue about the charges can be found on the Web site for Success Funding Now. The site offers a “coaching program” for small businesses, consisting of “educational tools and training needed to help you stay on the cutting edge of knowledge and profitability …” The program is “only $68.74” which “will get you 60 days of access to our Hotline for continued support from our coaches.”

Adding to the mystery, consumers report they’ve been charged varying amounts of $65.32, $67.34, or $68.74.

A woman in Muskegon, MI, was surprised with two $67.34 charges: “I realized while trying to get cash back with a purchase at my local grocery store that there wasn't enough funds to get the cash back I wanted. I called my card company and requested my last transactions. That's when I was given the information of the charges made to iEarn LLC. There are 2 charges of 67.34 completed on the same day.”

The BBB advises consumers that any unauthorized charges on credit cards or bank accounts should be investigated promptly. If the business does not resolve the problem, take these steps:

• Contact your credit card company to dispute the unauthorized charge. For an unauthorized debit on your bank account, contact your bank. You may want to consider reporting the charge as fraud to your credit card company or bank, and to your local police department.

• Continue to keep an eye on your account. Additional unauthorized charges could turn up.

• You may want to talk to your credit card company or bank to see if there are additional steps you can take to protect the account from future unauthorized charges.

• File a complaint about unauthorized charges with the BBB. See www.bbb.org.

• Report the unauthorized charges to the office of the Attorney General in your state. For a list, visit http://www.naag.org/current-attorneys-general.php.

• For tips on identity theft or to report suspected identity theft, contact the Federal Trade Commission (FTC). On the Internet, visit http://www.ftc.gov/bcp/edu/microsites/idtheft/. Or call toll-free 877-438-4338.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

About BBB serving Dallas and Northeast Texas
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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In the News - Legendary Design Landscaping

8/24/2010

Posted on 8/24/2010 by

Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas, tells CBS11-TV, Ch. 11, that Legendary Design Landscaping has a BBB rating of F, due to unanswered complaints. A BBB rating of F is the lowest rating on a scale from A+ to F.

Ginger Allen of CBS11-TV, Ch. 11, Dallas - Fort Worth reports that some customers of Legendary Design Landscaping, McKinney, are complaining about unfinished jobs and unsatisfactory work. Unhappy customers say they haven't been able to get the business to make the work right or make refunds.

To see the CBS11-TV story on Legendary Design Landscaping, click here:
http://www.cbs11tv.com/video?id=56934@ktvt.dayport.com

To see the BBB Reliability Report on Legendary Design Landscaping, click here: http://www.bbb.org/dallas/business-reviews/landscape-architects/legendary-design-landscaping-in-mckinney-tx-90126575

To check out a business, see BBB Accredited Businesses, or file a complaint, start here: www.bbb.org.

Fraudulent e-mails claim to be order confirmations

8/13/2010

Posted on 8/13/2010 by
The BBB in Northwest Florida has learned that consumers are receiving fraudulent order confirmation e-mails supposedly coming from Macy's. And the BBB in Minnesota and North Dakota has been informed consumers are receiving suspicious order confirmation e-mails purportedly from Zappo’s, an online shoe retailer. It's possible that other retailers are being spoofed in an attempt to steal consumers' identities or to install malware on their computer.

The BBB has determined these e-mails are fraudulent and do not originate from either Macy's or Zappo’s. Consumers are advised not to click on any links in these e-mails and to contact Macy's or Zappo’s (or any other retailer) directly if you’ve placed an order recently and have questions about your bill.

In all likelihood, this is a phishing scam designed to steal passwords or install a virus or malware on users’ computers. Because the message is fraudulent, the BBB advises that anyone who receives a phishing e-mail to take the following steps:

Don't click on any links or reply to the message.
Completely delete the message from your inbox.
Run a full virus scan on your computer if you did click on any links.

If you ever have any questions about an e-mail you receive, caution is always the best approach. Check directly with the business that the e-mail appears to be from, but not through the link in the fraudulent e-mail. Go to the business' Web site for contact information or look up a phone number.

To contact BBB, start at bbb.org.

Mobile Payment with Smartphones: Consider Convenience and Safety

8/12/2010

Posted on 8/12/2010 by

BBB Advises Taking Precautions with New Payment Options

Many consumers use smartphones to check email, browse the Internet and stay connected with social media. An emerging trend in application development offers smartphone users the option to use their phones for mobile payments, storing credit or debit information for quick check-out at many retailers. Consumers can now pay for goods and services, transfer money and receive receipts and confirmations from businesses.

Most mobile payment options are applications consumers can download from a payment service, retailer Web site or through an application store on their smartphone. Generally they work as follows:

1) Consumers register bank account, credit card or debit card information to be stored in the application on their smartphone.

2) Consumers create a password or PIN number to authorize any future payments.

3) Once the information is saved, consumers can use the application to select what they want to buy from participating stores or websites.

4) The payment shows up on their next bill or bank statement.

BBB offers consumers the following tips to safely use this new technology.

1) Research the company with BBB. Review a company’s BBB Reliability Report to view their BBB Rating before sharing personal information such as bank account or credit card information. To check out a business, start at www.bbb.org.

2) Don’t assume an application is trustworthy. Visit the Web site of the business to verify the source of the application. Even though many App stores review applications for security requirements, it is possible for scammers to create applications impersonating well known companies.

3) Make sure the company has a privacy policy. Generally, the company will use a third party to process and bill mobile payments. Make sure these details are clearly stated and every transaction is processed securely so personal information will not be shared.

4) Check for hidden fees. Some transactions come with convenience fees, depending on which payment option is used. Inquire about usage fees associated with downloading and using the application.

5) Verify you will receive a receipt or confirmation. Consumers should double check they will be notified by text message or e-mail when a payment is received and processed.

6) Keep track of who you use mobile payments with. The more businesses consumers purchase from with their smartphone, the more the phone becomes as sensitive as a wallet or purse and should be treated as such.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

BBB Offers Tips on Checking Out Super Bowl Home Rental Services

8/11/2010

Posted on 8/11/2010 by

Thinking of using a home rental service to rent your home to Super Bowl XLV visitors? Know what you're getting into.

The Super Bowl comes to North Texas for the first time on February 6, 2011, and homeowners in the Dallas-Fort Worth area are considering using home rental services to rent their homes for the big event. Home rental services have been advertising online and on signs in the area. Home rental services typically charge the homeowner an upfront fee to help find a renter for an event like the Super Bowl.

According to news reports, so many hotel rooms in North Texas have been blocked for Super Bowl XLV visitors that homes may not be in high demand. In addition, some cities may ask homeowners who rent their homes for the Super Bowl to pay hotel taxes.

Better Business Bureau advises homeowners who are interested in renting their homes to Super Bowl visitors to proceed carefully.

“Know who you’re dealing with, what the terms and conditions are, and what your costs will be,” advises Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “You also may want to check with your homeowners insurance company to find out if you’re covered for any damages to your home by renters.”

BBB offers these tips on considering a Super Bowl home rental company:

Check out the company with BBB before providing any personal information or paying a fee. Review the BBB Reliability Report on the business for the experiences other consumers have had with the company. You can check out businesses anywhere in the country at www.bbb.org.
Remember that just because a business has an attractive Web site or advertises on Craigslist or another familiar service, that’s no guarantee. Check the business out for yourself.
Get everything in writing from the company helping to rent the property.
Consider using a local home rental company. Find out if they have helped rent homes for special events before, and ask for local customer references.
Do not pay any upfront fees through a wire service. A number of different scams entice consumers to pay fees up front by wire and consumers end up losing their money. This could happen with upfront fees to phony home rental services. Beware if the only way to pay for the service is to wire the money.
Require a damage deposit from the renter and have a signed rental agreement that states how any damage or theft will be handled.
Be clear on what services are provided. Renters may expect extra services such as maid service. Decide whether to provide services yourselves, so you can check on your home each day.
Check with your city to find out any regulations on renting your home to Super Bowl visitors. Regulations vary from city to city, so check with city hall where you live.
Finally, decide if it’s worth it. Consider whether the potential income from renting your home is worth having strangers in your house who may be drinking, smoking, and using your personal space with little or no control on what’s going on.

To check out a business, to find BBB Accredited Businesses, or to file a complaint, start at www.bbb.org.

Complaints to BBB about Satellite TV Reveal Common Customer Grievances over Terms of the Agreement

8/9/2010

Posted on 8/9/2010 by

Before signing up with a satellite provider, read the contract closely to avoid unexpected charges

Dallas, TX, August 9, 2010 -- In the past three years, more than 53,000 customers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DirecTV and 13,000 filed against Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

“Many complaints to BBB about satellite providers stem from steep cancellation fees,” said Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas. “If customers aren’t satisfied with their service or they can’t afford the cost after the introductory period, it isn’t that easy to cancel because the early termination fees can run into the hundreds of dollars.”

One Dallas woman complained to BBB that when she signed up for DirecTV, she was promised a monthly rate of $48.69, but was billed $74.52. Over nine months, she said, she talked with a number of DirectV representatives trying to get the overcharge corrected, but the problem remained unresolved. She felt that "the company was never going to honor their part of the agreement," so she cancelled. Then her credit card was charged for a $300 cancellation fee.

Following are examples of common complaints BBB receives about satellite TV providers:

• Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.

• Introductory Offers – Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.

• Billing issues – Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.

• Service issues – Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.

• Upgrades Resulting in Contract Extension - Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, BBB recommends that customers:

• Get it all in writing – Don’t just take a salesman, installer or customer service representative’s word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.

• Read the terms and conditions carefully – Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.

• Check every bill closely – The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.

• Mark your calendar – Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.

• File a complaint with BBB – Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with your BBB. Both Dish Network and DirecTV consistently respond to complaints and BBB has been able to help consumers receive refunds in many cases.

New FTC Rule on Debt Relief Services

8/5/2010

Posted on 8/5/2010 by

The Federal Trade Commission recently announced amendments to the Telemarketing Sales Rule which will prohibit for-profit companies that sell debt relief services by telephone from collecting advance fees prior to settling or reducing debt. These new regulations offer consumers additional protections when trying to reduce credit card or other unsecured debt.

Debt relief services, also called debt settlement companies, offer to help consumers lower the total debt by obtaining settlements with creditors.

This year, Better Business Bureau has processed over 2,600 complaints nationwide against debt relief companies, which include credit counseling, debt settlement and debt negotiation services. Generally, consumers allege companies in these industries may charge large advance fees, fail to reduce debts, or misrepresent their services.

Beginning October 27, 2010, for-profit debt relief companies who make telemarketing calls, or are called by a consumer in response to debt relief advertising, are prohibited from collecting advance fees for their services. Companies can only charge their customers after:

1. There is a written agreement between the consumer and their creditor;

2. The company successfully renegotiates, settles, reduces or otherwise changes the terms of at least one of the consumer’s debts;

3. The consumer makes at least one payment to their creditor after the successful negotiation or settlement.

In addition, on September 27, 2010, three other Telemarketing Sales Rule provisions will take effect. These provisions will:

· Require companies to disclose to consumers how long it will take to see results, how much their service costs and any negative consequences that could occur;

· Prohibit companies from misrepresenting their success rate or claiming they are non-profit;

· Extend the Telemarketing Sales Rule to cover calls consumers make to these companies in response to advertising.

The FTC also set guidelines for dedicated accounts, which many debt relief companies havea required their customers to pay into while they negotiated or settled their debt. Under the new regulations, these companies can only require dedicated accounts if:

1. The account is maintained at an insured financial institution;

2. The consumer owns the funds, including interest;

3. The consumer can withdraw the funds at any time without penalty;

4. The financial institution has no affiliation with the debt relief company;

5. The financial institution does not exchange referral fees to the debt relief company.

The FTC has created a guide for debt relief companies to help them comply with the new regulations.

Before seeking help from a debt relief company, BBB recommends that consumers:

· Research the company with BBB - Find out how many complaints it has received, how the firm responded to complaints and whether there are any government actions or lawsuits against the company. Start at www.bbb.org.

· Contact lenders first – Try to work out an agreement directly with creditors before enlisting outside help. This can be done for free.

· Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or no cost. The National Foundation for Credit Counseling, www.nfcc.org, can refer you to the nearest service.

Free Laptops Advertised on Radio Appear to Be Bogus

8/3/2010

Posted on 8/3/2010 by

With school starting very soon, an offer for a free laptop may be very appealing to students and parents of students, reports the BBB in Denver. A company out of Canada called FreeUSLaptop.com advertises heavily on radio stations offering a free laptop.

The commercials prompt consumers to visit the Web site and contain testimonials from people who say they’ve received the free laptop and “couldn’t believe it”. The BBB’s advice is, “don’t believe it”.

According to complaints filed with the BBB in Mid-Western and Central Ontario, Canada, consumers are asked to complete a survey at the offer's Web site and sign up to participate in trial offers with “sponsors” such as Netflix, book clubs, and others. That is the first red flag – this offer really isn’t free. Consumers have to try products which usually initially cost money and may cost more money in shipping if they receive items they didn’t sign up for.

More importantly, complaints filed recently with the BBB state that the consumer never received the laptop. The company has a BBB rating of "F" for not responding to any of the complaints.

It is unknown how the "sponsors” might be affiliated with FreeUSLaptop.com and whether the sponsors know about the company’s deceptive marketing tactics.

The BBB in Denver advises:

· Don’t assume that because a radio station is reputable, all of the advertisers on that station must be too.

· It is extremely common for “free” offers to be deceptive. Be very wary of big ticket items being offered for free or at deep discounts. This is usually just a ploy to lure you into a scam.

· Always read all of the terms and conditions before agreeing to any offer, especially if your credit card is required.

· Always check first with the BBB at www.bbb.org.

In the News -- Renting Out Your Home for the Super Bowl

7/29/2010

Posted on 7/29/2010 by

Planning to rent out your home in the Dallas - Fort Worth area to Super Bowl visitors? There are important points to consider, including checking out the home rental service with the BBB.

In this article from The Dallas Morning News, Jeff Mosier points out that homeowners should proceed with care.

To see the article, click here
http://www.dallasnews.com/sharedcontent/dws/news/localnews/stories/042010dnmetsbrentals.40ad538.html

To check out a business with the Better Business Bureau, click here
http://www.bbb.org/us/Find-Business-Reviews/

In the News -- Super Bowl Home Rentals

7/29/2010

Posted on 7/29/2010 by
For the first time, the Super Bowl will be played in North Texas, and fans from all over are looking for places to stay. Homeowners in the Dallas - Fort Worth area who are considering listing their homes with Super Bowl rental services should check out the businesses and understand the terms and conditions.

Dan X. McGraw of The 33 News, Dallas - Fort Worth, reports that concerns include coverage for any loss or damage. He notes that one Super Bowl rental service based in Phoenix has a BBB rating of B, with 2 complaints since 2008.

To see the 33 News story on Super Bowl Home Rentals, click here:
http://www.the33tv.com/news/kdaf-arlington-renting-homes-super-bowl-scam-signs-story,0,2537964.story

To check out a business with the Better Business Bureau, click here:
http://www.bbb.org/us/Find-Business-Reviews/

In the News -- Dream Wedding Bridal Expo

7/28/2010

Posted on 7/28/2010 by

Dream Wedding Bridal Expo took money up front from bridal services for a show in the Dallas area. But the show wasn't booked and now the promoter, Karen Tucker, is charged with fraud.

The charges are in connection with several shows that were supposed to be held around the country, including Dream Wedding Bridal Expo. The show supposedly was scheduled in December, 2010, at the Gaylord Texan Resort and Hotel, Grapevine, TX.

Kevin Cokely of NBC5-TV, Dallas - Fort Worth, reports that one bridal salon in Fort Worth paid hundreds of dollars up front to be in the show, then asked for the money back when it was discovered that the show wasn't booked for the Gaylord.

Chris Burgess of the Better Business Bureau in Dallas notes that, "It does seem like there have been other scams in her wake in the past and so the BBB in Dallas is very focused and concerned about this."

To see the story on NBC5-TV, click here:
http://www.nbcdfw.com/news/business/Bamboozled-Bridal-Businesses-in-Dallas-99337374.html

To see the BBB Reliability Report® on Dream Wedding Bridal Expo, click here:
http://www.bbb.org/dallas/business-reviews/trade-shows-expositions-and-fairs/dream-wedding-bridal-expo-in-dallas-tx-90249499

BBB Warns Businesses About New Phishing Attack

7/23/2010

Posted on 7/23/2010 by

Beware of fake complaint reports coming from seatac@bbb.org

Better Business Bureau is warning businesses to beware of a malicious e-mail that pretends to be from BBB about a complaint filed against the company. These phishing e-mails came to BBB’s attention on July 22, 2010.

Several businesses across the US have reported receiving a suspicious e-mail from the address seatac@bbb.org with the subject line “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-Accredited businesses have been targeted.

The body of the e-mail claims that the company did not respond to a complaint filed by a consumer and includes a link to a page where the business can supposedly review the complaint.

Because the message is fraudulent, BBB advises any business that receives this e-mail to take the following steps:

Do not click on any links or reply to the message,
Forward the message to phishing@council.bbb.org,
Completely delete the message from your inbox, and
Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from Better Business Bureau about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact your local BBB directly at http://www.bbb.org/us/find-a-bbb/.

For more advice on how to protect your business from malicious online attacks visit www.bbb.org/data-security/.

A copy of the actual e-mail follows:

BBB Urges Trade Show Exhibitors To Beware Of Mexico-Based Expo Guide

7/22/2010

Posted on 7/22/2010 by
St. Louis, Mo., July 22, 2010 – An agricultural equipment manufacturer from South-Central Illinois appears to be among the most recent victims of an international trade show scheme operating out of Mexico.

The Better Business Bureau (BBB) in St. Louis urges businesses, associations and other groups throughout the U.S. to be extremely cautious when dealing with Expo Guide, Expo-Guide.com, or Commercial Online Manuals. Consumers say they believed they were filling out paperwork for free ads in trade show guides, only to learn later that they were committing to pay $1,500 a year for Internet listings with little, if any, value.

The BBB in Columbus, Ohio, has received 19 complaints about the business in the past 36 months. Sixteen of those complaints were not answered, the BBB said. The company has an “F” grade, the lowest grade possible. The complaints are from across the U.S. and Canada, including New Jersey, New Mexico, North Carolina, Tennessee, Georgia and California.

Michelle Corey, president and CEO of the BBB in St. Louis, said similar trade show ad schemes have been operating for years. Consumers involved in trade shows or exhibitions, in both the U. S. and abroad, should be on the lookout for companies asking to include their business information in a free show publication, she said.

“In some cases, the offer includes fine print that hooks them into expensive, long-term deals in exchange for listing their information on Expo Guide’s and similar websites,” Corey said.

An attorney from Belleville, Ill., who represents the Illinois manufacturing company, told the BBB that his client was stunned to receive a bill from Expo Guide. He said the company’s officials have no memory of signing any contract in which they agreed to purchase a listing in an online directory, and have tried repeatedly to obtain a copy of the alleged agreement.

Even if such an agreement had been signed, the attorney said, “it appears that it would have been done under the same circumstances under which other companies participating in trade shows were victimized by Expo Guide’s scams.”

He said Expo Guide misleads trade show participants into believing they are filling out forms to get their listings included free in the trade show’s official guide, when “basically illegible print” on the form commits them to the $1,500 a year Internet ad.

Numerous trade show operators have posted warnings on their websites about the Mexican scheme and similar operations. The Belleville attorney has said the scheme has victimized businesses ranging from medical device manufacturers to greeting card companies.

The BBB offers the following advice for consumers solicited on behalf of trade show publications:

Be suspicious of any business that solicits information about your company in connection with an upcoming trade show or exhibition. Be certain that the solicitation is being done on behalf of the trade show and not by an unrelated party.
Read everything closely before submitting any information to a company claiming ties to a trade show. In many cases, small print or print in light, difficult-to-read type, may commit a business or association to a costly, long-term agreement.
Check a company’s Reliability Report with the BBB by going to www.bbb.org.

BBB Warns Car Shoppers About Online Dealer Scam

7/12/2010

Posted on 7/12/2010 by

Better Business Bureau is warning car shoppers to beware of websites offering too-good-to-be-true deals on repossessed cars. BBB has heard from people across the country who thought they were buying from a reputable dealer online but were actually sending money to scammers posing as legitimate, already-established community dealerships.

“Because scammers essentially steal the identity and good name of real auto dealers, car shoppers will think that they’re buying a car from a reputable business,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

Most recently, one Memphis auto dealer, America Auto Sales (www.memphisautoworld.com), received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the website of the Memphis dealership. The phony website used the name, address and contact information of the real dealer.

The fraudulent website claimed to sell repossessed cars at prices well below market. Buyers were instructed to wire a deposit—as much as $5,000—to an individual rather than the company, which, according to the phony website, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar websites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. The websites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the auspices of another legitimate dealer.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

In the News -- Financial Freedom of America

7/8/2010

Posted on 7/8/2010 by
Consumers should know what they're getting into with debt settlement companies, reports Steve Noviello at FOX 4 TV, Dallas - Fort Worth. In this story, one consumer tells about her experience with a debt settlement company, Financial Freedom of America.

Jeannette Kopko, spokesperson for the Better Business Bureau in Dallas, warns that customers of debt settlement businesses may continue to receive calls from creditors, have late fees assessed, have their credit record affected, and may be sued.

Financial Freedom of America has a BBB rating of "F".

To see the story play the video above or click here:
http://www.myfoxdfw.com/dpp/news/fox_4_features/on_your_side/070710-on-your-side%3A-financial-freedom

For tips on debt settlement businesses, click here:
http://dallas.bbb.org/article/bbb-on-differences-between-debt-consolidation-debt-negotiation-and-debt-elimination-plans-9375

For the BBB Reliability Report on Financial Freedom of America, click here:
http://www.bbb.org/dallas/business-reviews/debt-settlement-companies/financial-freedom-of-america-in-dallas-tx-90026031

In the News -- Debt Settlement: Solution or Scheme?

7/7/2010

Posted on 7/7/2010 by
In this story on NBC's Today Show, Lisa Myers reports that many consumers are trying to reduce credit card debt by turning to debt settlement companies. But complaints on debt settlement firms allege misrespresentation and unsatisfactory service.

One debt settlement company in Dallas, Credit Solutions, has a BBB rating of "F". Chris Burgess of BBB in Dallas notes, "We've seen so many complaints that you have to wonder what is Credit Solutions actually doing?"

To see the story, click on the video above or click here
http://today.msnbc.msn.com/id/26184891/vp/38123545#38123545

For tips on debt settlement services, click here
http://dallas.bbb.org/article/bbb-on-differences-between-debt-consolidation-debt-negotiation-and-debt-elimination-plans-9375

To check out a business with BBB, click here:
http://dallas.bbb.org/Find-Business-Reviews/

BBB Challenges Comparison Prices in Sweepstakes Clearinghouse Advertising

6/29/2010

Posted on 6/29/2010 by

"National Reference Retail" price on watches not substantiated

Dallas, TX, June 29, 2010 -- Everyone loves a bargain, so it’s very appealing when a product is advertised at a much lower price than a comparison price quoted in the advertisement. The offer can be misleading, however, if the comparison price in the ad isn’t an actual selling price for the product.

The BBB serving Dallas and Northeast Texas has found that Sweepstakes Clearinghouse, a national mail order business based in Dallas, advertises a comparison price for one product that appears to be inflated. Xavier brand diamond watches advertised with a “National Reference Retail” price of $449.95 were determined to be of lower quality than the merchandise used for the comparison price.

Better Business Bureau standards for advertising call for comparison prices to be “actual retail selling prices for the merchandise in the area."

The BBB Code of Advertising notes that "reference price" and similar terms have sometimes been used deceptively to state or imply a saving which was not, in fact, the case.

The BBB Code of Advertising provides that, "A list price may be advertised as a comparative to the advertised sales price only to the extent that it is the actual selling price currently charged by the advertiser or by representative principal retailers in the market area where the claim is made. Such a comparison should be substantiated by the advertiser immediately prior to making any advertised comparison."

Sweepstakes Clearinghouse, 1555 Regal Row, Dallas, mails offers to consumers across the U.S. for merchandise such as computers, cameras, luggage, watches and more. The advertisements state “National Reference Retail” comparison prices for the products.

One mailing offered “23 Karat Gold and Genuine Diamond Watches” by Xavier Fine Diamond Watches in Gold and Two-Tone, with quartz movement, in both men’s and women’s styles. The ad claimed a “National Reference Retail” price of $449.95 each. Each watch was said to have “Eight (8) Genuine Diamonds on Bezel”. The gold style was described as “Richly plated in 23K Gold”, and the two-tone style as “Stainless Steel and Richly plated 23K Gold”.

The watch offer says the recipient has been "awarded a consolation prize" which is a $400 credit voucher towards the purchase of one of the four watches offered. That brings the total price of the advertised Xavier watches valued at $449.95 to just $49.95 plus shipping and handling.

On July 21, 2009, as part of its review of advertising, the BBB requested that Sweepstakes Clearinghouse substantiate the "National Reference Retail" comparison prices for products featured in its mailings.

Sweepstakes Clearing House provided information, however, after reviewing the submitted materials, the BBB became concerned that there were inaccurate product comparisons which inappropriately inflated the reference prices of one of its products.

The BBB determined that the advertised Xavier Diamond Watches are not of the same product quality as the comparison products referenced in materials submitted by Sweepstakes Clearinghouse to the BBB in Dallas. The BBB concluded that the company failed to provide adequate substantiation materials for the "National Reference Retail" price for the advertised Xavier Diamond Watches.

This failure to substantiate an advertised comparison price is one of the reasons that Sweepstakes Clearinghouse has a BBB rating of “F”, on a scale from A+ to F. Additional reasons for this rating include:

311 complaints filed against the business
Business has failed to resolve underlying cause(s) of a pattern of complaints.

Customer complaints allege slow delivery of ordered merchandise, non-receipt of refunds, poor product quality, and unsatisfactory customer service. The company has resolved some complaints by offering refunds, making deliveries, or explaining its policies.

Mailings from Sweepstakes Clearinghouse state that the recipient has been awarded a consolation prize, which is a credit voucher good towards the purchase of merchandise. Consumers pay the balance of the price for the product they choose, plus shipping and handling.

To learn more about BBB Advertising Review, http://www.dallas.bbb.org/dallasadreview/

To check out a business or file a complaint, start at www.bbb.org.

About BBB serving Dallas and Northeast Texas
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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In the News -- Do the Math on Narc That Car

6/23/2010

Posted on 6/23/2010 by

In Part 1 of this story, Dana Fowle of FOX5-TV, Atlanta, does the math on Crowd Sourcing International, also known as Narc That Car. “You have to work there a long time to break even,” she says.

Narc That Car claims that independent consultants can make money by collecting license plate sightings – and recruiting others to do so, for a commission on recruits’ earnings.

In Part 2, Dana Fowle of FOX5-TV reports that Jacques Johnson, president of Crowd Sourcing International, has connections to another company one investigator called a "classic pyramid scheme."

It’s still a mystery as to whether there’s a market for the data. “Who’s buying the company’s information?” says Dana Fowle in Part 1. “Ask the company to name one police department that’s using it. Just one. They won’t.”

The BBB warns that the marketing plan may be a pyramid scheme. “It all comes down to whether you earn more money by sales of the product or by recruiting others into the sales plan,” says Jeannette Kopko, spokesperson for the Better Business Bureau serving Dallas and Northeast Texas.

Click here to see Part 1 of this news story on Narc That Car. To see the complete Part 1, click to view the video:
http://www.myfoxatlanta.com/dpp/news/i-team%3A-narc-that-cars-president-speaks-062210

For Part 2 of this news story, click here. To see the complete story, click to view the video:
http://www.myfoxatlanta.com/dpp/news/i-team-narc-that-car-president-pt-2-062310

Click here to see the BBB Reliability Report® on Crowd Sourcing International, also known as Narc That Car:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

Click for tips from the Federal Trade Commission on “The Bottom Line About Multilevel Marketing Plans and Pyramid Schemes": http://www.ftc.gov/bcp/edu/pubs/consumer/invest/inv08.shtm

In the News -- Debt Settlement Companies

6/22/2010

Posted on 6/22/2010 by

“Peddling Relief, Firms Put Debtors in Deeper Hole,” reports Peter Goodman in The New York Times. Debt settlement companies, also called debt negotiation companies, may promise consumers a guaranteed solution to overwhelming credit card debt, but consumers may end up worse than before.

The story says that Attorneys General in several states, along with Better Business Bureaus and other groups, warn that “Consumers rarely emerge from debt settlement programs with their credit card balances eliminated … and many wind up worse off, with severely damaged credit, ceaseless threats from collection agents and lawsuits from creditors.”

Complaints on debt settlement companies are growing, the story notes. “The industry’s own figures show that clients typically fail to secure relief. In a survey of its members, the Association of Settlement Companies found that three years after enrolling, only 34 percent of customers had either completed programs or were still saving for settlements,” the story notes.

Click here to see the news story on debt settlement companies:
http://www.nytimes.com/2010/06/19/business/economy/19debt.html?pagewanted=1&sq=debt settlement&st=cse&scp=1

Click here to see the BBB’s alert on debt settlement companies:
http://www.bbb.org/us/article/complaints-to-bbb-against-debt-settlement-companies-on-the-rise-19186

Click here to check out a business with BBB: http://www.bbb.org/us/Find-Business-Reviews/

In the News -- Phony Debt Collectors Harass Dallas Man

6/22/2010

Posted on 6/22/2010 by

Phony debt collectors are calling a Dallas man over and over, falsely claiming that he owes $1,000 to an online payday loan company. The callers demand payment or they'll have him arrested, or worse -- they threaten to have him killed.

In this story, Jack Fink of CBS11-TV, Dallas / Fort Worth, reports that this is part of a nationwide scheme – one that the BBB has warned about before. Jeannette Kopko, spokesperson for the BBB in Dallas, says the calls keep coming. "Obviously, the scammers would not be continuing with this if they weren't able to convince enough people to send money to make it worthwhile."

The story offers this advice from the BBB for anyone who receives such a call: ask for official documentation, and do not confirm any of your financial information. Place a fraud alert on your credit file and file a complaint with the Federal Trade Commission and the Better Business Bureau.

Click here to see the news story on phony debt collectors:
http://cbs11tv.com/local/Threatening.Phone.Calls.2.1760728.html

Click here to see the BBB’s alert in 2009 on phony debt collector calls:
http://www.bbb.org/us/article/widespread-harassment-from-phony-debt-collectors-raises-concerns-of-mass-data-breach-11792

Click for tips from the Federal Trade Commission on consumer rights with collection agencies:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

In the News -- Wedding DJ and Video Complaints

6/16/2010

Posted on 6/16/2010 by

A wedding is a special occasion that brides and grooms plan carefully so that everything will go just right. Across the country, couples are complaining about A Solid Gold Sound, based in Kentucky, which provides DJs and videographers.

In this story, Ken Kalthoff of NBC5-TV, Dallas-Fort Worth, reports that one area couple was very disappointed with the service from a DJ from A Solid Gold Sound. Jeannette Kopko, spokesperson for the BBB in Dallas, says that complaints on the business state that DJs and videographers didn't show up, or provided unsatisfactory service. The business hasn't answered complaints, and is shut down now.

The BBB advises couples to check out wedding services in advance; get all the terms in writing, including refund policies; plan for and possibly negotiate deposits and advance payments; and consider paying by credit card so charges for unsatisfactory service can be disputed.

Click here to see the news story on A Solid Gold Sound:
http://www.nbcdfw.com/news/business/Couple-Not-Dancing-to-Wedding-Vendors-Tune-96429854.html

Click here to see the BBB Reliability Report on A Solid Gold Sound, Kentucky:
http://www.bbb.org/cincinnati/business-reviews/disc-jockeys/a-solid-gold-sound-in-florence-ky-90001630/

To check out a business with BBB click here:
http://www.bbb.org/us/Find-Business-Reviews/

In the News -- Is Crowd Sourcing International a Pyramid Scheme?

6/3/2010

Posted on 6/3/2010 by

In this story on FOX4-TV, Dallas-Fort Worth, Crowd Sourcing International (CSI) claims that independent consultants can earn money by collecting car license plate sightings. But the plan may be a pyramid scheme, the Better Business Bureau (BBB) warns.

Steve Noviello of FOX4-TV reports on Crowd Sourcing International, also known as Narc That Car, and sits down with the company's president to ask questions. Jeannette Kopko, spokesperson for the BBB in Dallas, says it's a red flag "when there's more of an emphasis on recruiting people into the organization and that's the way you would really make money."

Click below to see the FOX4-TV story. Also available is the complete interview with Jacques Johnson, president of CSI:
http://www.myfoxdfw.com/dpp/news/fox_4_features/on_your_side/on-your-side%3A-narc-that-car

Click below to see the Better Business Bureau Reliability Report® on Crowd Sourcing International, formerly Narc Technologies and doing business as NarcThatCar.com:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

BBB Questions Whether Crowd Sourcing International is a Pyramid Scheme

6/3/2010

Posted on 6/3/2010 by
Business opportunity to earn money by collecting license plate sightings may be a pyramid scheme

Dallas, TX, June 2, 2010 -- A business opportunity offered by Crowd Sourcing International (CSI) in Dallas claims that participants can earn money by collecting information about car license plate numbers and the cars’ locations. But the plan may be a pyramid scheme, warns the Better Business Bureau serving Dallas and Northeast Texas. There does not appear to be a substantial source of income for participants (“independent consultants”) other than the money paid in by other participants.

In a pyramid scheme, participants make most of their earnings by recruiting others rather than from sales of a product. The Texas Attorney General’s Web site warns, “People who get in on a pyramid scheme early might make money in the beginning, but the schemes inevitably collapse, victimizing the recruits at the base of the pyramid.”

The BBB first asked Crowd Sourcing International about the business opportunity in January, 2010, and the business provided some information. In May, 2010, CSI provided the name of one client. The information did not resolve the BBB's concerns as to whether the company is selling a bona fide product with a true market value. In fact, the client's identity only raised more concerns, which the BBB communicated to the company.

“Although Crowd Sourcing International claims that the information collected is purchased by clients such as auto loan companies, CSI has provided the name of only one client,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “The BBB questions whether that client, which has links to CSI, is independently paying CSI for car sightings.”

Crowd Sourcing International, 1111 Empire Central Place, Suite 200, Dallas, was formerly known as Narc Technologies and has also done business as “Narc That Car.” Through a multi-level marketing plan, independent consultants are recruited to pay a $100 sign-up fee and a monthly $5 processing fee for commission payments, and offered a Web site for $24.95. Participants can earn up to about $20 a month for up to 10 license plate sightings , and can earn a part of the payments for license plate sightings to participants they recruit. Independent consultants are told they can also earn commissions by finding clients such as auto loan companies to pay for the license plate sightings.

But if there isn’t substantial income from clients paying for the information collected, then the main source of income available to CSI to pay independent consultants would be from sign-up and other fees paid by participants.

CSI came to the attention of the BBB in Dallas in January, 2010. Since the first of the year, the BBB has received over 28,000 inquiries – requests for the BBB Reliability Report® – on the business.

CSI has a BBB rating of “F”, on scale from A+ to F. The reasons for this rating include:
• 21 complaints filed against business
• 2 unresolved complaints filed against business .
• 5 serious complaints filed against business.
• Business has failed to resolve underlying cause(s) of a pattern of complaints
• Advertising issue(s) found by BBB.
• Length of time business has been operating.

Complaints on CSI are from independent consultants alleging misrepresentation of the business opportunity; non-payment of commissions; difficulties in cancelling and getting automatic charges stopped; and difficulties contacting the business.

A man in Bloomington, IN, complained: “I joined NARC (which is now called CSI) at the end of January. They hit my account at $124.95. I brought in several customers and entered my license plates from January through April. I received my first check of $75 minus $5 processing fee. They hit my credit card on March 1 and March 29 for $24.95 each time (total $49.90). I was never paid my other two fast start bonus of 2 times $25 which equals $50 and my license plate entries for January, February, March and April … I have called each week for the past four weeks and still get the same song and dance that it is being looked at by accounting.”

CSI answers complaints, stating that refunds or other adjustments have been made, or that it will do so.

The BBB offers these tips for anyone considering participation in a business opportunity:

• Have a clear understanding of the business opportunity. How do participants earn money? You may wish to review the contract or agreement with an attorney who is familiar with business opportunities to make sure you understand it and that all promises are in writing.

• Consider the market for the product being sold. The Texas Attorney General’s Web site advises, “Before you join, be sure the product offered is something for which there is a market. Ask what the average monthly retail sales are per salesperson. Be wary of anyone who tells you that you do not have to sell anything to make money. For it to be legitimate, commissions must come from the retail sales of goods, so at some point someone will have to sell something.”

• In a multi-level marketing plan, participants earn money through sales of the product and by recruiting others in order to receive commissions on their sales of the product. Consider your own ability to recruit, train and motivate others to sell.

• Check out business opportunities with the BBB. Start at www.bbb.org and click on “Check Out a Business”. If the BBB has a Reliability Report on the business, it will include basic information, the BBB rating, and customer complaint history, if any.

To file a complaint with BBB, start at www.bbb.org. To file a complaint with the Texas Attorney General, go to www.oag.state.tx.us.

About BBB serving Dallas and Northeast Texas
The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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Travelers Complain about Last-Minute Cancellations by Renaissance Pilgrimages

5/26/2010

Posted on 5/26/2010 by

Some customers planned to see Shroud of Turin in Italy

Dallas, TX, May 27, 2010 -- In the last eight months, disappointed travelers have filed 12 complaints with the Better Business Bureau about tours cancelled at the last minute with no refunds by Renaissance Pilgrimages, Inc., P.O. Box 451145, Garland. The business offers tours to shrines and other revered locations in Israel, Europe, and Canada. Some trips were planned to include viewings of the rarely-seen Shroud of Turin in Italy. Customers from Alaska to New Jersey complain they paid from $3,699 to $9,596 in advance but have not received refunds. So far, the business has not answered the complaints.

Of those twelve complaints, 7 are unanswered by the business, 1 is unresolved, and 4 were filed recently and are in process. A woman in Michigan complains, “Renaissance Pilgrimages cancelled our pilgrimage trip without even stating a reason--only two weeks before we were to leave. I paid $3749 by several checks and I want a full refund of this money.”

One complaint is from a travel agency in Maryland that booked 11 clients at $3,699 each for package tours to Oberammergau, a passion play presented once every 10 years, as well as the Shroud of Turin, which might not be on display again for perhaps 15 years. The trips were cancelled two weeks before departure and Renaissance Pilgrimages has not responded to refund requests, the travel agency complains.

This is not the first time that complaints have been filed with the BBB serving Dallas and Northeast Texas about Renaissance Pilgrimages. In February, 2009, the BBB reported that the business had a BBB rating of F, on a scale from A+ to F. The F rating was due to unresolved complaints concerning the same problems – last minute cancellations and failure to make refunds.

Later in 2009, Renaissance Pilgrimages responded to some complaints and the BBB rating was C+. Then more complaints remained unanswered, and the BBB rating dropped again to F, the current rating for the business.

The reasons for the F rating include:

• 19 complaints filed against business
• Failure to respond to 7 complaints filed against business.
• 4 serious complaints filed against business.
• One complaint filed against business that was not resolved.

A man in New Jersey complains, “This was the vacation of our dreams and we invested over $9000 into this trip. On April 24, 2010 we received an e-mail telling us that the trip was cancelled and no further explanation given … My wife and I are retired and do not know how to proceed but we would like our money back.”

The BBB recommends that travelers plan carefully and check out travel offers:

• Get the details of the offer in writing, including the cancellation and refund policy, before making an advance payment.
• If you choose to pay by credit card, you may have some recourse for problems. Check with your credit card company to find out the procedures for disputing the charges if you have a problem that the travel company does not take care of.
• Consider investing in travel insurance. Find out the cost of insurance as well any restrictions and requirements.
• Learn about travel planning and choosing a tour company from professional associations such as the United States Tour Operators Association, www.ustoa.com.

To check out a travel company with the BBB, start at www.bbb.org.

About BBB serving Dallas and Northeast Texas

The Better Business Bureau of Metropolitan Dallas, Inc., is an independent, non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization's standards of ethical business behavior. BBB services include BBB Reliability Reports® on businesses, complaint resolution services, advertising review, and information on topics affecting marketplace trust. The BBB serving Dallas and Northeast Texas was founded in 1920 and is one of 124 BBBs serving the U.S. and Canada. The BBB System evaluates and monitors more than 4 million local and national businesses and charities. Please visit www.bbb.org for more information.
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Narc That Car -- Questions Continue

5/5/2010

Posted on 5/5/2010 by

Questions are still being raised about a business opportunity from Narc That Car. Crowd Sourcing International (CSI), formerly known as Narc Technologies, claims that independent consultants can earn money by collecting information about car license plates, by recruiting more consultants, and by recruiting clients to buy the information.

Ed Laskos of FOX-11 Los Angeles reports on the "red flags" about Narc That Car. Jeannette Kopko, spokesperson for the Better Business Bureau (BBB) in Dallas, says the BBB hasn't received information about clients and "the BBB is very concerned that this company's marketing plan may be a pyramid scheme."

Click below to see the FOX 11 Los Angeles story:
http://www.myfoxla.com/dpp/news/investigative/narc-that-car-20100504

Click below to see the Better Business Bureau Reliability Report® on Crowd Sourcing International, formerly Narc Technologies and doing business as NarcThatCar.com:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

Questions Raised on Narc That Car

5/1/2010

Posted on 5/1/2010 by

This 2-part story from I-Team reporter Dana Fowle of FOX5, Atlanta (WAGA-TV), raises questions about Narc Technologies of Dallas, doing business as NarcThatCar.com. The business recently changed its name to Crowd Sourcing International (CSI).

Independent consultants who are marketing the business opportunity tell Dana Fowle of FOX5 Atlanta that they won't name any clients who are buying the license plate information being collected.

Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas, notes that "If the plan is set up in such a way where, even if there's a product involved that is being sold, but the main way that you make money is by recruiting others into the plan rather than by selling the product, more than likely it's an illegal pyramid scheme."

Click on the links below to see each part of FOX5 Atlanta's story on NarcThatCar.com:

Part 1
http://www.myfoxatlanta.com/dpp/news/i-team%3A-narc-that-car-042910

Part 2
http://www.myfoxatlanta.com/dpp/news/i-team%3A-narc-that-car-pt.-2-043010

Click below to see the Better Business Bureau Reliability Report® on Crowd Sourcing International, formerly Narc Technologies and doing business as NarcThatCar.com:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

Complaints to BBB Against Debt Settlement Companies On the Rise

4/29/2010

Posted on 4/29/2010 by

Better Business Bureau advises cash-strapped families to recognize the red flags of deceptive debt settlement services

Dallas, TX – April 29, 2010 – Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences, and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began in late 2007. In addition to BBB, angry customers are also taking their complaints to their state Attorney General. Attorneys General from Florida, Maine, Texas, Idaho, Missouri, New York, Illinois, West Virginia, Vermont and Minnesota have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions—which has received more than 1,600 complaints alone in the last 36 months—and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. On Wednesday, Senator Charles Schumer (D-NY) introduced the The Debt Settlement Consumer Protection Act which seeks to “protect consumers from deceptive, abusive and financially injurious practices rampant in the debt settlement industry.”

Typically with debt settlement (also referred to as debt negotiation), the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It will usually take at least six months to a year before there is enough money to start settling accounts, and during that time the consumer will typically not be making payments to creditors. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, his or her credit rating will likely suffer as a result of not making required monthly payments.

Complainants to BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside—in one case as much as $15,000.

BBB warns families that are drowning in debt to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees – Beware of companies that require large upfront fees before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.
Promises that are too good to be true– Some companies might promise that they can reduce debt by more than half even before looking into the customer’s financial situation.
Claims that it’s a fast, easy and painless process. - Reducing debt through debt settlement takes time—often years—and can have a significant negative impact on the customer’s credit score. It can also expose consumers to lawsuits and garnishments.

Before enlisting the help of a debt settlement company, BBB recommends that struggling consumers:

Contact their lender first. – Try to work out an agreement directly with your lenders before enlisting outside help.
Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or even no cost. You can find a credit counseling center near you at the National Foundation for Credit Counseling, www.nfcc.org.
Consider debt settlement only as a last resort before filing for bankruptcy. The debt settlement process can take years and have a severely negative impact on your credit rating and can limit your access to future credit. In the meantime, your credit card company or other creditors can decide to take you to court and garnish your wages. It is best to avoid these potential consequences if you have other workable alternatives to dealing with your debt.
Research the debt settlement firm with BBB first. Find out how many complaints it has received, how the firm responded to complaints and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler at www.bbb.org/credit-management/.

About BBB serving Dallas and Northeast Texas

Web Site Name Could Confuse -- University of Plano/Dallas/Bastrop TX USA

4/29/2010

Posted on 4/29/2010 by
Sometimes a business that isn't BBB accredited displays the BBB Accredited Business seal or claims to be BBB accredited in its advertising. Using the Better Business Bureau name or seal without authorization is not only misleading, it also violates the BBB’s trademark.

A few weeks ago, the BBB serving Dallas and Northeast Texas learned that a business called The University of Dallas/Plano/Bastrop Texas USA claimed on its Web site to have a “membership” in the Better Business Bureau. However, the business is not BBB accredited.

In addition, the Web site used by the business, www.universityofdallas.net, is very similar to the name of University of Dallas, located in Irving, TX. University of Dallas is a Catholic university established in 1956. The Web site for University of Dallas is www.udallas.edu.

The University of Dallas/Plano/Bastrop Texas USA is not affiliated in any way with University of Dallas, Irving, TX.

In March, the BBB notified The University of Dallas/Plano/Bastrop Texas USA that unauthorized use of the BBB name or logo is a violation of the Better Business Bureau’s trademark. The BBB asked the business to cease claiming in any way to be a BBB Accredited Business.

The BBB also informed the business that the Web site, www.universityofdallas.net, as well as the business name, was likely to cause confusion by giving the impression that the business may be affiliated with University of Dallas. The BBB asked the business to modify or discontinue the use of the misleading URL.

The owner of the business telephoned the BBB and said she had asked someone else to prepare the Web site and was unaware of the URL. She also said she wasn’t quite sure what the problem would be with using the URL www.universityofdallas.net.

The BBB replied and explained that advertisers should not use technology to mislead customers about the advertiser, their products or services, or about the transaction itself. The BBB repeated its request for the business to discontinue use of the misleading URL.

The BBB also repeated its request for University of Dallas/Plano/Bastrop Texas USA to discontinue its unauthorized claim of “membership” in the Better Business Bureau.

Although the “membership” claim has been removed from the Web site, the BBB has not received a response to its second request. The misleading URL www.universityofdallas.net is still active. Because the business has not modified or discontinued use of the misleading URL, the business has a BBB rating of “F”, on a scale of A+ to F.

The BBB encourages customers and businesses to report use of the BBB Accredited Business seal or claims to be BBB accredited by businesses that aren’t BBB accredited. To report an advertisement, start at www.dallas.bbb.org/submitad. To check on a business, including whether it is BBB accredited, start at www.bbb.org.

BBB Warns That Some Moving Companies Deliver Complaints on Estimates and Damages

4/28/2010

Posted on 4/28/2010 by
Six movers in Dallas area revoked as BBB Accredited Businesses in 2009

Dallas, TX, April 28, 2010 -- As the weather warms up, many people make plans for a household move. The Better Business Bureau advises consumers to avoid packing up headaches along with their belongings by choosing a moving company carefully and understanding the terms of the move.

A recent review by the BBB serving Dallas and Northeast Texas of 425 customer complaints on moving companies in 2009 shows that complaints are primarily about damaged or lost goods and final prices in excess of original estimates. There are 35 moving companies based in the Dallas area with a BBB rating of “F”, on a scale from A+ to F. The “F” ratings are due to unanswered and unresolved complaints.

In 2009, six moving companies in the Dallas area were revoked as BBB Accredited Businesses.

“Planning and carrying out a household move is challenging in itself. When there are problems, the process becomes even more stressful and costly,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “It can really pay off to learn about the moving company and the terms and conditions before making a decision.”

The BBB reports on both BBB Accredited and non-accredited businesses. BBB Accredited Businesses agree to abide by the BBB Standards for Trust, one of which is to “Be Responsive” to complaints. In 2009, BBB accreditation was revoked for the following moving companies:

All My Sons Moving & Storage of Dallas, Inc., 13821 Diplomat Dr., Dallas - unresolved complaints and number of complaints

Coast to Coast Van Lines, 10900 Alexandria Dr., Frisco - failure to arbitrate a customer complaint, contrary to a previous agreement to do so

Freedom Van Lines, 4814 Calvert St., Dallas - unresolved complaints and failure to maintain required licensing

Hurricane Movers, 3824 Cedar Springs Rd # 117, Dallas - unanswered complaints

J R Moving & Logistics, 3200 Berkshire Ln., Corinth -- failure to maintain required licensing

USMS, 3521 Oak Lawn Ave Ste 654, Dallas - unresolved complaints

Some complaints on moving companies allege that the final price for a move was higher than the original quote, and household items wouldn’t be unloaded or released until the higher fee was paid. One customer who hired A Team Moving and Storage for a move from Austin to San Francisco complained, “The move was originally supposed to cost $1,500 and ended up costing $2,500. The two men who delivered my items required me to pay an additional $300 to deliver the items into the apartment, otherwise they threatened to leave them on the road.”

In some complaints, customers say the moving companies’ limited liability coverage paid only part of the cost of repair or replacement for damaged or lost items. One woman complained: “I signed a contract with Hurricane Movers to move me from Texas to Pennsylvania. The move has been a nightmare. My items were completely destroyed in transit. Boxes were wet and torn apart. I had about $8,000 of furniture destroyed in the move. They referred me to their insurance agency. They want to pay me $294. I feel they should refund the full cost of moving plus my insurance per pound.”

Customers also complain that some moving companies contract out the move. A couple who hired USMS in Dallas for their move from Virginia to Washington State learned that the move was contracted to a different business. When everything was packed, the contractor presented the customers with a bill for $996 for packing charges and said the goods wouldn’t be shipped until they agreed to pay all the extra charges. The customers disputed $495 of the final charges and said their goods were being “held hostage” by the moving company. The customers obtained a partial credit for the disputed charges.

BBB offers these tips on selecting a moving company:

Get more than one estimate, and check out the business with the BBB at www.bbb.org. Remember that estimates can be binding or non-binding.
If the estimate is binding, it must be in writing and you should get a copy. Binding estimates guarantee the total cost of the move based on the quantities and services shown on the estimate.
If the estimate is non-binding, keep in mind that non-binding estimates are not always accurate, and actual charges may exceed the estimate.
With a non-binding estimate, confirm with the mover – in writing – the method of payment at delivery. Will you be asked for cash, certified check, cashier’s check, money order or credit card?
Be sure to understand the moving company’s liability. What is the coverage on any lost or damaged items? You may want to consider paying for additional coverage.
Before signing and making final payment, look over your goods to make sure everything has been delivered and to find any damage. Be sure to note any problems on the receipt.

For more tips including "Before You Move" or to file a complaint on moves solely within Texas, contact the Texas Department of Motor Vehicles. Visit www.txdmv.gov/protection/household_movers/movers.htm

For tips including "Red Flags For Spotting Rogue Movers" and "Choosing a Reputable Mover" or to file a complaint on moves from one state to another, contact the Federal Motor Carrier Safety Administration. Visit www.protectyourmove.gov/

To check out a business or to file a complaint with BBB, start at www.bbb.org. Click on “Check Out a Business”. Consumers can also get lists of BBB Accredited Businesses in categories by type of business. Click on “Find a BBB Accredited Business.”

To see the BBB Standards for Trust, please visit www.dallas.bbb.org/bbb-standards-for-trust/

About BBB serving Dallas and Northeast Texas

Alert to Business -- Small Business Commerce Association

4/21/2010

Posted on 4/21/2010 by

A business called Small Business Commerce Association is offering a fake award, according to an alert from the Better Business Bureau in St. Louis. A small business in Maryland Heights, MO, reported that it received an e-mail from Small Business Commerce Association, San Francisco, CA, about a “Best of Business” award. The BBB in St. Louis warns that the only qualification for the award is paying for it.

The owner of the Missouri business said he was suspicious of the email from the start. “I didn’t think a random e-mail would be the way we would be notified of an award,” he said. “It seemed very phony.”

The BBB in San Francisco reports that emails from Small Business Commerce Association state that businesses have been selected for the "Best of Business Award". Businesses are given an award code to redeem the award. When the award code is entered, the business learns that $57 to $150 must be paid to receive the award.

The BBB in St. Louis notes that the offer from Small Business Commerce Association is an example of a “vanity pitch”. All too often, offers for awards, special memberships, “Who’s Who”-type publications, or biographies have a catch to them. In some cases, honorees who receive such e-mails, letters and calls are not chosen by a select committee, as they are often told, but plucked off mailing lists or their e-mail addresses harvested from Web sites. Their name may never appear in the well-known biography directory or they may never receive any award as promised.

Vanity pitches often target executives, writers, poets and students. Those who are flattered into providing details of their career or accomplishments may be stuck with a subscription fee, a membership fee, a charge for listing, an inflated price for buying the publication or a solicitation to purchase one or more copies of the publication.

There is no guarantee that the advertised publication will be distributed beyond those persons purchasing copies for themselves or even that it will be published at all. The appeal may be based strictly on personal vanity.

To distinguish a reputable award or biographical directory from those of little to no value, the Better Business Bureau offers these tips:

   • Ask questions. How are businesses nominated for the award or for the publication? For a publication, who subscribes to it and how many volumes have been published in past years? A recognized award organization or reputable publisher will be willing to provide details.
   • In the case of a publication, check with your local library. A public library will stock well-known and useful general biographical directories and can advise you about its knowledge of the volume in question. Also, the reputation of professional and business directories may be checked with relevant trade associations.
   • Check out the business offering the award or the publication with the BBB at www.bbb.org.

UPDATE - Texas Cash for Clunkers for Appliances

4/7/2010

Posted on 4/7/2010 by

UPDATE, April 7, 2010: The Texas Trade Up Appliance Rebate Program has launched. Texans can visit the program Web site to sign up. Go to http://texaspowerfulsmart.org/rebate/. The Web site has been experiencing high volume.

November 2, 2009 -- Following the success of the Cash for Clunkers program, the federal government recently announced the creation of a similar rebate program for consumers looking to purchase new energy-efficient appliances. While many of the details of the program are still yet to be determined, Better Business Bureau offers the following guidance to consumers who might be interested in taking advantage of the program.

The federal government has set aside $300 million from the stimulus package to fund the new cash for appliances program. The intended benefit of the program is two fold. The first goal is to provide another way to stimulate the economy in an industry that has seen a 15 percent drop in sales, according to the Association of Home Appliance Manufacturers.

The second goal is to increase energy efficiency in households by replacing old appliances with newer “greener” ones. According to ENERGYSTAR.gov, the typical household spends more than $2,200 a year on energy bills but could save over one-third or about $700 per year by making the switch to ENERGY STAR products.

ENERGY STAR standards are set by the U.S. Department of Energy (DOE) and the Environmental Protection Agency and help consumers identify energy-efficient products in 60 different categories including appliances, windows and doors, heating and cooling equipment and water heaters. In 2008, about 55 percent of new major household appliances had the ENERGY STAR seal.

“Replacing older appliances with more energy efficient models will not only help the environment and provide a little boost to the economy, it will also have a positive impact on a homeowner’s bottom line when the energy bills come in month after month,” said Alison Southwick, BBB spokesperson.

Following are a few details on the evolving cash for appliances program.

Program implementation will vary by state. The implementation of the program and distribution of rebates will occur at the state level. Every state must submit a plan that specifies which appliance categories will be included in its own program, the amount of rebates for each appliance and a plan for recycling old appliances.

DOE estimates that the $300 million set aside will be awarded to states for their programs by the end of November, and consumers should see the rebate programs implemented in late 2009 or early 2010.

Qualifying appliances will vary by State. States will decide which ENERGY STAR qualified appliances are eligible for a rebate. The DOE is encouraging states to focus on awarding rebates for heating and cooling equipment, appliances and water heaters.

No trade-in will be required. Unlike the Cash For Clunkers program, wherein participants had to hand over their old car and the clunker was sent to the scrap heap, participants in cash for appliances don’t have to exchange an older appliance for a new one.

Stay tuned for updates. Consumers should visit their own state energy department’s Web site for updates on program implementation in their area. More information from the federal government is available at http://www.energy.gov/recovery/

Take advantage of additional programs now. If you can’t wait to purchase a new appliance, you can still take advantage of other programs. Both the federal government and many state governments already provide tax credits for purchasing energy efficient appliances. Also, more than 25 states have recycling programs for appliances. The Database for State Incentives for Renewables & Efficiency (www.dsireusa.org) provides a state-by-state breakdown of local incentives and policies for renewable energy and energy efficiency.

For more BBB advice you can trust on how to be a savvy consumer, visit www.bbb.org