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Door-To-Door Security System Sales Leave Customers Feeling Anything But Safe

5/17/2012

Posted on 5/17/2012 by

BBB has fielded nearly 40 calls over the past week regarding door-to-door salespeople selling, upgrading, or 'checking on' residential alarm systems. Six different business names and/or affiliations have been reported: Stryke Alarm, LLC, Vision Security, Pinnacle Security, LLC, Honeywell, GE Securities, and Devcon Security.

One customer reported that the salesperson used high-pressure tactics to gain access into the home and deceived with a 'free' offer that come with a $300 installation fee and 60 month service contract.

Upon investigation, some of the companies mentioned have acquired the necessary licensing and registration to sell door-to-door in our area. BBB cautions though that representatives are not always truthful and may use well known, legitimate company names in order to gain your trust. Per our investigation, we believe this is the case in Spokane.

If you encounter a door-to-door salesperson, BBB offers the following tips to stay safe and confident:

Always think safety first. If you’re home alone and don’t recognize the person, don’t open the door. If they are a legitimate company, they will leave a brochure or business card.
Be aware that because you have a security sign or other type of sign in your yard, you could be a target for this type of unethical selling practices.
Always, always check with your own security company, or other company, first. You can even ask the sales representative to wait outside while you do. If they are telling the truth, why would they mind waiting?
Scare tactics may not work on everyone but they can on our senior citizens and others who have no one to turn to for advice. If you believe this type of business practice is happening in your neighborhood, please call the police and let them know. At least there will be a record on file.
Tell your Neighborhood Watch if there is one established. BBB can come out and speak to your group on this matter and other scams to advise you of the red flags to be aware of.
Finally, if there will be any changes to your service you will be contacted by your company. You won’t hear this information from someone who knocks at your door, and especially someone who tries to scare you. Try and remember the name of the company the person is representing and file a complaint with BBB. Trust and truth in the marketplace is all of our responsibility.

If you have any questions about door-to-door sales or scams, call our BBB at 509-455-4200. If you have been solicited and feel like your safety has been compromised, call Spokane Crime Check (509) 456-2233.

F-Rated 'Flip This House' Seminar Comes to Spokane and Coeur d’Alene

5/16/2012

Posted on 5/16/2012 by

BBB Has been alerted that Armando Montelongo Seminars, LLC is holding a seminar in Spokane today, May 16, 2012 and Coeur d’Alene tomorrow, May 17, 2012, to teach attendees how to 'Flip & Grow Rich.' Known for his role on the TV show Flip This House, Montelongo's seminars canvas the country holding 'free' events that then solicit attendees to purchase additional educational resources for up to $25,000.

Armando Montelongo Seminars, LLC has earned an F rating with the BBB serving San Antonio, TX due to a government action against the company in December of 2011 regarding possible violations of the Texas Deceptive Trade Practices Consumer Protection Act. They have also had 58 complaints filed against them within the past 12 months. Consumers allege difficulty cancelling purchases and obtaining refunds as well as deceptive advertising.

BBB also contacted WA State Department of Labor & Industries to confirm that our state has regulations pertaining to house flipping:

Any person who owns a property for less than one year, makes more than $500 in improvements, and sells the property with the intention of monetary gain, WA state will consider you a 'contractor.'
As a 'contractor,' you are required to have an active business registration, register with WA Department of Revenue, licensed with L & I, and be bonded and insured.
Unregistered contractors face a minimum fine of $1000 per day, per job.
To contact L & I for more info, call Mike Thrams at 509-863-3133.

Contact your local BBB at (509) 455-4200 for more tips on avoiding deceptive advertisements for big gains and for more info on Armando Montelongo Seminars, LLC.

BBB Tips for Successful Mother’s Day Shopping

5/9/2012

Posted on 5/9/2012 by

BBB Tips for Successful Mother’s Day Shopping

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 your life, be a smart consumer. BBB sees lots of scams that focus on holiday shopping and warns 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. Charges made on a debit card are the same as cash and you have no recourse through your bank if there is a problem.

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.

Naming Names - April 2012

5/7/2012

Posted on 5/7/2012 by

The Naughty List What is Naming Names about? Ethics and accountability. The Better Business Bureau seeks to advance marketplace trust by holding both BBB Accredited and non-accredited businesses accountable for their actions. Naming Names calls companies out by name for not answering consumer complaints during the previous month. Central WA AmeriGas Propane, Inc. Joe's Yard Services Mountain Time Sports Okanogan Inn Rising Phoenix Mastiff Rescue True Step Shoe Repair Greater Spokane Region Amerigas Spokane Deer Creek Apartments Ecliptixnet Broadband, Inc. Magic Corporation Mercedes Benz of Spokane Mobile Transport Premera Blue Cross (Spokane) U Save Cleaners Southeast WA All Mobile Transport Auto Town Auto Sales North ID Advanced Custom Cabinets Nielsen's Flooring America Skyline Insulation, LLC Central MT Butte Quality Inn & Suites Lithia Chrysler Dodge (Helena) North Central MT Plain Green Loans LLC Tattoo York’s Forever Western MT Bill's 24 Hour Plumbing & Heating "Action indeed is the sole medium of expression for ethics." ~Jane Addams	The Nice List Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month. All Seasons Tree Service (Hayden, ID) "Contacted firm owner at the Home Show and discussed needs. Dave called and stopped by for an estimate. I contracted with him for the job and it was performed with alacrity, professionalism and in a business friendly manner. I've used many tree services over the years but I'll continue to do business with All Seasons." ~Gary G. RW Gallion, Inc. (Spokane Valley, WA) "Dealing with RW Gallion, Inc. was a fantastic experience. Carolyn walked me all through the granite choices and helped me picked out something that ended up to be a perfect match in our home. The installation went beautifully and I can't say enough good things about the experience. Thank you for providing such a terrific product and phenomenal service!" ~Julie L. Rainbow International Restoration & Cleaning (Kalispell, MT) "This last winter we had a broken water pipe that saturated two levels of our home. Our friends told us that they used Rainbow Restoration when they had a problem with their dishwasher leaking. We called them right away and they showed up at our house in about 30 minutes. They were so nice and understanding. Their technicians were professional, nicely dressed and it was reassuring that they were wearing Identification on their coats. They were very good at explaining how water can effect the home if not dried-out correctly. They also explained how they use a daily moisture map to track the drying process. We never had to contact our insurance after the initial phone call. Rainbow took care of all the details and worked with the assigned adjuster. We are confident that our home is as dry as it was before the flooding. After the drying was done they did a great job cleaning our carpets. We will alway call Rainbow Restoration in the future." ~Randy D.
Looking Forward… Tips You Can Trust Memorial Day is a time to honor those who serve and remember those who have died in war. But sadly, it has also become a key opportunity for scammers to target those who are serving or have served their nation, especially elderly veterans. BBB is urging consumers and donors to be on the lookout for deals that seem too good to be true and for disreputable charities. “The unique lifestyle of our service members makes them prime targets for scammers,” notes Brenda Linnington, Director of BBB Military Line. “It’s imperative that we educate our service members and ensure that the support we give to them equals the effort they make every day on behalf of us.” Linnington said scams can include those that target service personnel and their families directly, but also those that appear to be helping military members via charities. Among the scams to watch out for: Posing as the Veterans Administration and contacting veterans to say they need to update their credit card, bank or other financial records with the VA; Charging service members 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. 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. For more information, visit www.bbb.org/military-line.	Repeat Offenders Repeat offenders are companies that have an excessive number of complaints closed within a month; not based on their responses to complaints. The following businesses had 5 or more complaints closed in the month of April. Countrywide Periodicals (22) AlumniClass.com Inc. (17) Stellar Recovery, Inc (7) Plain Green Loans LLC (5) Freedom Agency Online (5)
	What’s Shakin’ With Your BBB? Our BBB covers all of Eastern Washington, North Idaho, and Montana. That’s approximately 210,000 square miles of businesses and consumers we are able to serve. To make sure we are providing the best service to you, we do our best to travel from Spokane to visit other cities in our region. Elea Katzele, our new President & CEO, recently toured Central and Eastern Washington to reach out to Accredited Businesses, local media, and give presentations on ethics. Here are the highlights of the trip: CORE Presentation, Quincy High School Character, Optimism, Respect, and Ethics: these are the values that our youth must believe in to support the mission of a marketplace built on trust. Elea and Chelsea Dannen, our PR & Media Specialist, spent the morning with Quincy High School students encouraging them to think about how their decisions affect others. We defined ethics and applied that definition to everyday situations. The students we presented to have the chance to participate in an essay contest about ethics, we can’t wait to see the entries! If you know of a high school that would benefit from the CORE presentation, contact Coleen Smith at csmith@spokane.bbb.org. Wenatchee, Yakima, and Tri-Cities Media Elea and Chelsea had the chance to meet with local media in Wenatchee, Yakima, and Tri-Cities. It was a great opportunity to see what stories are affecting businesses and consumers across the state. The Wenatchee World, Yakima Herald, Yakima Valley Business Times, KIT Radio, KIMA TV, KONA Radio, KAPP/KVEW, and KNDU were kind enough to chat with us. Thank you! Local Chambers of Commerce We embraced the opportunity to meet with the local Chambers of Commerce in Wenatchee, Yakima, and Tri-Cities. It was great to see the growth and entrepreneurship across Washington!
If there are any corrections or clarifications to make with any previous Naming Names releases, our policy is to post it and make it known in the next month’s Naming Names. Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable. If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

Meet FRED, the Financial Resource Education Database!

4/4/2012

Posted on 4/4/2012 by

In recognition of National Financial Literacy Month the Montana Financial Education Coalition (MFEC) in cooperation with the Montana Society of CPAs (MSCPA) is pleased to announce the launch of www.FREDMT.org. FRED, the Financial Resource Education Database, is a collaborative project between to the two organizations to provide accessibility of financial education programs to Montanans.

FRED is accessible to all Montanans as a database of programs throughout the state, including more rural communities. The database allows people to go online and search for information about credit card debt, buying their first home, debt counseling, retirement, student loans and so much more. If you are looking for information about budgeting, FRED will allow you to search budgeting resources. Some resources are available by web, others by making a simple phone call and each resource has been vetted by a team of volunteers that ensures it is legitimate.

Organized by life stages, FRED is modeled after the award-winning 360 Degrees of Financial Literacy website (www.360financialliteracy.com) developed by the American Institute of CPAs. The Life Stages include resources for:

• parents,
• military,
• employed,
• small businesses,
• native communities,
• couples,
• retirees,
• in crisis,
• college students and
• local communities.

Whether you are a teacher looking for speakers and resources for your students or a retiree looking for articles and tips to stay on top of your finances, FREDMT.org can help all Montanans. “We are exceptionally proud of our involvement in FREDMT.org,” explained MSCPA Executive Director Jane Egan. “There are so many great programs available to Montanans that so few people have known about . . . until now. FRED will change that by making this information accessible to people across the state.”

Financial illiteracy has become a national crisis and the MFEC and MSCPA feel it is crucial to provide financial education. The stats below offer some sobering evidence to support this need:

• Americans spend $1.22 for every $1.00 they earn (according to the Securities Exchange Commission).
• Young Americans have the second highest rate of bankruptcy, just after those aged 35-44.
• The average college student who takes out student loans graduates $20,000 in debt and with $2,000 in credit card debt.
• Between 1983 and 2001, credit card debt for 25 to 34 year-olds nearly tripled, according to the Federal Reserve, from $3,989 to $12,000.

These national statistics reflect the financial situations of Montanans. MFEC and MSCPA strive to improve the personal financial knowledge and decision making ability of Montana citizens by promoting public awareness of the need for personal financial education. “By uniting MFEC partners and building the capacity of their financial education offerings we can improve these statistics and the lives of Montanans,” stated Jolene Bach, President of MFEC. “We can empower people to take control of their finances.”

About the Montana Financial Education Coalition (MFEC)

Founded in 2004 the Montana Financial Education Coalition is a collection of organizations, businesses and interested individuals who believe that financial literacy is essential to the economic advancement of our state. MFEC strives to improve the personal financial knowledge and decision-making ability of Montana citizens by promoting public awareness of the need for personal financial education, and by uniting and building capacity of financial education programs. MFEC’s efforts reach out to Montanans of all age groups and financial situations.

About the Montana Society of Certified Public Accountants (MSCPA)

Founded in 1913, the Montana Society of CPAs is a professional association with approximately 1,800 members throughout the state, nation and world. We strive to empower our members to make a difference in their local communities in the area of financial literacy through our Speaker’s Bureau which reaches out to high school students and low-income audiences throughout the state

Door-to-Door Magazine Sales Spin Stories Around Spokane/Coeur d'Alene

3/28/2012

Posted on 3/28/2012 by

Blue Diamond Subscriptions based in Phoenix, AZ is soliciting door-to-door magazine sales in full force across the Greater Spokane and Coeur d’Alene region. Victims have reported both male and female salespersons in their late teens or early twenties. The sales pitch includes a story about raising money for a trip overseas for school. Others are stating that they are fundraising for local high schools. Spokane Tribal Police Department also informed BBB that they made contact with five individuals from out of state who were in town selling magazines door-to-door.

BBB recommends to never allow strangers into your home, no matter the story. If you have fallen victim to this door-to-door magazine sales scam, please report to Spokane Crime Check at 509-456-2233.

BBB Tips to Avoid Door-to-Door Magazine Sales Scams

Listen carefully and be aware of high pressure sales tactics. Some unscrupulous door-to-door sellers will put pressure on you to close the deal at that moment, and even make special offers to entice you. Listen to their tone. Are they increasing in volume as they speak to you? Are they ignoring you despite saying you are not interested? Find a way to end the conversation quickly to avoid long, drawn-out pressure sales pitches.

Stand strong. Do not invite unsolicited salespeople into your home. If you do allow a salesperson inside and decide during the presentation that you are not interested in making a purchase, simply ask him or her to leave. If the salesperson refuses to leave, threaten to call the police, and follow through if they don’t leave immediately.

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including price, warranty and all conditions. Tell the salesperson you will check it out and get back to him or her. Ask for a business card and contact information. Look the company up yourself and check to verify this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.bbb.org.

Know your rights. The Federal Trade Commission’s Three-Day Cooling-Off Rule gives the customer three days to cancel purchases over $25 that are made in their home or at a location that is not the seller’s permanent place of business. Along with a receipt, salespeople should also include a completed cancellation form that customers can send to the company to cancel the agreement. By law, the company must give customers a refund within 10 days of receiving the cancellation notice.

Be Wary of Lawn Service Solicitations - Unlicensed Contractors are Surfacing!

3/26/2012

Posted on 3/26/2012 by

BBB has been informed that Jesus DeLeon has been soliciting his landscaping business by leaving cards on homeowners' doors in Yakima, WA. Washington State Department of Labor & Industries has confirmed that neither Mr. DeLeon nor his business are properly licensed to do landscaping work in this state.

As we approach the spring and summer months, be very cautious as lawn services begin soliciting your business. BBB offers the following tips when choosing a trustworthy landscaper.

Top 10 Tips for Hiring a Landscape Professional

Make a list of questions to ask, and remember that how the contractor responds may be as valuable as the answers themselves.

1. Ask how long the company has been in business, what kind of work experience and training the crew has, and if the contractor is willing to stand behind the work and service provided. Question what procedures are in place to handle problems if they should arise.

2. Ask for copies of licensing, if required, and insurance certificates for workers' compensation and liability. If the company is not properly insured, you could be liable for any accidents that occur on your property.

3. Ask for references and visit the site of the job to see the finished result. Also visit a job in progress so you can examine the crew's appearance and the quality of workmanship.

4. Get the contractor's cell phone number and home number in case of an emergency, and beware of contractors who are repeatedly difficult to reach.

5. Ask if the contractor will enlist licensed electricians and plumbers for jobs such as irrigation pump installation, which may necessitate special hook-ups. Ask if the contractor will hire the subcontractors, and if he or she will be on hand to direct the work.

6. Ask about the company's experience with and use of pesticides.

7. Ask how much of a down payment is required. If the requested down payment is more than 50%, you may want to proceed with caution.

8. Ask the company for a written contract. This contract should include an outline of all the work you want done. For example, you should know when the work should start and end, the total costs, the materials used (including the depth of rock, heights of walls, etc.), and when and what work the company will do if you want them to continue the upkeep. Before signing, read over the contract a nd make sure any warranties or guarantees are clearly outlined, and that you understand all of the information.

9. Ask for instructions on how to maintain and care for the landscaping if you wish to do the work yourself. If you have any questions, call the landscaper before you begin. If you fail to maintain the yard and garden work properly, the landscaper may not be able to fix the damage and may not be liable for the damages.

10. Check out the company and business owner with the Better Business Bureau to see complaint history, customer reviews, and other background information.

We recommend checking with www.bbb.org when choosing a new company. If you have any questions, feel free to call your local BBB at 509-455-4200. If you wish to report a fraudulent or unregistered contractor in Washington state, call the 'Report-a-Fraud' hotline at 888-811-5974 or visit Labor & Industries' website at www.lni.wa.gov.

BBB Urges Donors To Do Their Homework Before Giving To Kids' Charities

3/23/2012

Posted on 3/23/2012 by
For many donors, nothing tugs at the heartstrings—and loosens the purse strings—more than a picture of a child.

The Better Business Bureau (BBB) recommends that donors understand where their money is going before contributing to a children’s charity. In too many cases, the lion's share of a charitable donation goes not to help the kids, but to pay the high cost of telephone and direct-mail fundraising.

The BBB has found numerous examples of high fundraising costs associated with nationally soliciting children’s charities. The costs are recorded on the charities’ Form 990 reports filed with the Internal Revenue Service. Among charities with high fundraising costs:

Kids Wish Network of Holiday, Fla., a wish-granting charity for ill children. The charity reported that 10 fundraising companies raised nearly $16 million on behalf of the charity in 2010, the most recent year in which information is available. Of that, about $1.9 million went to the charity, or 12 cents of each $1 donation.
Children’s Cancer Fund of America of Powell, Tenn., a charity that assists families of children with cancer. The charity reported that six fundraising companies brought in $8.4 million in 2010. About $1.6 million of that total – or 19 cents of each dollar – went to the charity.
Autism Spectrum Disorder Foundation of Schererville, Ind., a charity that addresses childhood autism issues. The charity reported that its three fundraisers raised nearly $2.6 million in contributions in 2010. Total to the charity: $164,000, or about six cents of each $1 donated.
National Cancer Assistance Foundation of Sarasota, Fla., which operates Children’s Cancer Dream Network, Children’s Cancer Assistance Fund and Breast Cancer Assistance Fund. Two fundraising companies took in $1.8 million in donations on behalf of the charity in 2010. The total paid to the charity: $143,000 or eight cents of each $1 in donations. Precision Performance Marketing, a St. Louis County-based business that does direct mail fundraising work for the charity, kept $792,000 of $817,000 it raised for the charity, leaving the charity with three cents of each dollar donated.
National Children’s Leukemia Foundation of Brooklyn, N.Y., which says it funds leukemia research, family outreach and other programs. The 2010 990 report says three fundraisers brought in nearly $3 million. The charity ended up with 20 cents of each $1 raised.

Often, the money that goes directly to benefit the children is even lower after the charity accounts for salaries, rent, legal and accounting costs and other expenses.

Children’s Cancer Dream Network, a program of National Cancer Assistance Foundation that grants wishes for children with cancer, reported revenues of $1.2 million in 2010, and said it spent $15,600 (a penny of each dollar) to directly benefit cancer patients and their families.

The BBB’s advice for donors:

Find out if the fundraising campaign of any charity that solicits you is being run by a profit-making fundraiser. Ask how much of your contribution will go to the charity and how much will be retained by the fundraising company.
Before donating, ask for written information about a charity’s programs and finances – especially if you are unfamiliar with the organization.
Don’t bend to pressure to give money immediately. A charity that wants your money today also will welcome it at a later date.
Be cautious about charities that use names similar to well-known national organizations. Sometimes, an organization will choose a name hoping that donors will confuse it with the better-known charity.
Make sure a charity’s website has a privacy policy concerning the use of your name, email address or other personal information.
Check a charity’s IRS Form 990 report by visiting www.guidestar.org. The Internal Revenue Service requires most tax-exempt organizations to file a Form 990.
For more information on a charitable organization, contact the BBB at 509-455-4200 or check its Charity Review at www.bbb.org.

Ignore Those Texts! You Didn't Win a Gift Card from Walmart or Best Buy

3/21/2012

Posted on 3/21/2012 by

Spam texts are not only obnoxious; they are trying to fool you into giving personal information out. BBB has received multiple reports of spam texts stating that you have either ‘won’ or been ‘randomly selected’ for a gift card. Both Walmart and Best Buy have placed warnings on their website confirming that they are not sending the texts, nor are the gift cards real.

See a screen shot of a scam text message here.

BBB offers the following tips to avoid compromising your personal information when receiving these texts:

· Do NOT reply to the text asking them to stop, even if the text instructs you to do so. This will confirm that your phone number is active.

· Do NOT click on any links in the text message.

· Contact your cell phone provider to block the phone number who sent you the text.

· Report the spam text to GSMA, which recently introduced the Scam Reporting Service.

o Forward the spam text to ‘7726’ (spelling SPAM). Read more here.

Stay wary of any messages – emails, texts, voicemails, etc. – that claim you’ve won a prize out of the blue. Often if it sounds too good to be true, it is!

If you feel you have compromised your personal information, contact the Federal Trade Commission for tips on identity theft. You can also contact the BBB at 509-455-4200 if you have any questions about scams in your area. Like BBB on Facebook for immediate scam alerts and tips.

Ignore Those Texts! You Didn't Win a Gift Card from Walmart or Best Buy

3/21/2012

Posted on 3/21/2012 by

See a screen shot of a scam text message here.

BBB offers the following tips to avoid compromising your personal information when receiving these texts:

· Do NOT reply to the text asking them to stop, even if the text instructs you to do so. This will confirm that your phone number is active.

· Do NOT click on any links in the text message.

· Contact your cell phone provider to block the phone number who sent you the text.

· Report the spam text to GSMA, which recently introduced the Scam Reporting Service.

o Forward the spam text to ‘7726’ (spelling SPAM). Read more here.

Stay wary of any messages – emails, texts, voicemails, etc. – that claim you’ve won a prize out of the blue. Often if it sounds too good to be true, it is!

Electronic Pickpocketing: Are your Credit Cards at Risk?

3/20/2012

Posted on 3/20/2012 by

Stealing a physical wallet is a thing of the past- new technology now allows criminals to steal your credit card information by passing an RFID (Radio Frequency Identification) reader near your wallet or purse.

RFID is a small chip that contains information like the credit card number and expiration date. These chips are used in one third of the total credit cards in the US; consumers can wave their card in front of a RFID reader and the credit card information is transmitted to the merchant. This makes purchasing simple, but it also makes pick pocketing just as easy.

RFID readers are easily purchased, so criminals have access to your credit card numbers and expiration dates.

Using the information they obtain from your credit card, they are able to make duplicate cards to make other purchases.

BBB recommends the following tips to protect yourself:

* Put some sort a metal around your card such as aluminum foil

* Buy a protective sleeve or wallet from a place such as www.idstronghold.com

* Ask your bank to send you a card that does not contain an RFID chip

If you believe you are a victim of identity theft, contact the Federal Trade Commission for an Identity Theft Kit. You can also contact the Better Business Bureau at 509-455-4200 if you have any questions.

SCAM UPDATE: BBB Phishing Alerts

3/16/2012

Posted on 3/16/2012 by

BBB nationwide has received reports from thousands of businesses that they have received fake BBB complaint emails that contain malware. Stay wary; these scammers have been persistent! Here’s what you need to know:

• This is phishing scam by criminals that began in late 2011.

• The email addresses are not obtained from any BBB database. BBB has not been hacked.

• Federal Law Enforcement is investigating.

• BBB suggests you delete the email.

• If you clicked on any links in the email, BBB suggests you run a virus scan.

Below are examples of phishing scams that have been spreading nationwide.

Reported on 3/13/2012

BBB has received notifications from businesses that they are receiving the below email from BBB regarding a BBB complaint activity report.

THIS IS A SCAM

Below is an example of the email:

Subject: BBB complaint activity report

Hello,

Here with the Better Business Bureau informs you that we have been sent a complaint (ID 56957213) from a customer of yours in regard to their dealership with you.

Please open the COMPLAINT REPORT below to obtain the details on this issue and inform us about your opinion as soon as possible.

We hope to hear from you shortly.

Sincerely,

Theresa Morris

Dispute Counselor

Better Business Bureau

Council of Better Business Bureaus

4200 Wilson Blvd, Suite 800

Arlington, VA 22203-1838

Phone: 1 (703) 276.0100

Fax: 1 (703) 525.8277

Reported on 3/8/2012

BBB has received notifications from businesses that they are receiving the below email from BBB regarding the IRS.

THIS IS A SCAM

Below is an example of the email:

Subject: Your tax return appeal is declined.

Dear Chief Accountant Officer,

Hereby you are notified that your Tax Appeal id#5108259 has been DECLINED. If you consider that the IRS did not properly assess your case due to a misunderstanding of the situation, be prepared to clarify and support your position. You can access the rejection details and re-submit your appeal using the following link Online Tax Appeal.

Internal Revenue Service

Telephone Assistance for Businesses:

Toll-Free, 1-800-829-4933

Hours of Operation: Monday – Friday, 7:00 a.m. – 7:00 p.m. your local time (Alaska & Hawaii follow Pacific Time).

Reported on 3/5/2012

BBB has received notifications from businesses that they are receiving the below email regarding BBB complaints.

THIS IS A SCAM

Below is an example of the email:

Subject: Your company is accused of illegal financial transactions.

Business Owner/Manager,

One of your customers has submitted a complaint with The Better Business Bureau regarding the negative experience he had with your company. The consumer complaint is inserted below. Please file your feedback to this matter as within 14 days. The fastest way to submit your response is via the Online Complaint system. Please follow this Internet address to evaluate the above-mentioned customer complaint and submit your response to it:

BBB complaint center

Use the following data to login:

Case ID: #4943307

Password: 37010

The Better Business Bureau acts in the role of a a neutral third party, and helps you resolve your customer disputes impartially and on mutually beneficial terms. We develop and maintain online Reliability reports on American companies, open to the Public and used by millions of business customers. A positive customer report can have a pronounced positive impact on your business.

We hope for your immediate attention to this matter.

Sincerely,

Paul Luna

Dispute Counselor

Reported on 2/16/2012

BBB has received notifications from businesses that they are receiving the below email regarding BBB complaints.

THIS IS A SCAM

Below is an example of the email:

Good afternoon,

Here with the Better Business Bureau notifies you that we have been filed a complaint (ID 13119751) from one of your customers with respect to their dealership with you.

Please open the COMPLAINT REPORT below to find more information on this matter and suggest us about your opinion as soon as possible.

We hope to hear from you very soon.

Sincerely,

Carlos Baxter

Dispute Counselor

Better Business Bureau

BBB has updated its advice and recommends the following to anyone who receives the email:

• Do not to 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

The purpose of fake messages is to trick businesses and consumers into providing the following personal information:

• Name and username.

• Address and phone number.

• Password or PIN.

• Bank account number.

• ATM/debit or credit card number.

• Credit card validation code (CVC) or card verification value (CVV).

• Social security number (SSN).

Never give out any of your personal information to strangers who contact you. If you have any questions or concerns, contact your local BBB at 509-455-4200.

Naming Names February 2012

3/12/2012

Posted on 3/12/2012 by

The Naughty List What is Naming Names about? Ethics and accountability. The Better Business Bureau seeks to advance marketplace trust by holding both BBB Accredited and non-accredited businesses accountable for their actions. Naming Names calls companies out by name for not answering consumer complaints during the previous month. Central WA Good Shepherd Construction Dan's The Man Anthem Music Vending Sales & Service, Inc Calypso's Bridal and Quinceanera Boutique Greater Spokane Region Mobile Transport Artistic Towing & Autobody Cadewen L Studios Family Auto Center Regal Satellite LLC Throwbackmax.com Defreese Contractors New Online Incomes Other Mothers PACLAB Northwest Laboratories Southeast WA TV Liberty Investments Gold's Gym (Kennewick) Fiesta Foods New Style Pools Royal Prestige Kamiakin Apartments Prints Underground Washington Insurance Agency Childer's Contracting Services Genesis Satellite & Cable North ID David Lee Crum Contractor King Vinyl Fence Southeast MT Heights Auto Brokers Arthritis and Osteoporosis Center USA Communications Steve's Auto Sales Central MT Credit & Collection Solutions Inc Plain Green Loans LLC Bozeman Watch Co Montana Opticom LLC Western MT Tech Service Company Clawson Windows Montana Custom Log Furniture Blue Glass Enterprises, LLC Repeat Offenders Repeat offenders are companies that have an excessive number of complaints closed within a month; not based on their responses to complaints. The following businesses had 5 or more complaints closed in the month of January. Countrywide Periodicals (18) Stellar Recovery, Inc. (5)	The Nice List Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month. Tri Cities Battery Inc.(Pasco, WA) “Great customer service!!! They got me in right away and gave me a customer shuttle ride home. The service advisor called me with a complete estimate and explained all the problems to me in detail. I was abel to decide what repairs and services to do now and what I could hold off on. When the car was done they came to my house and picked me up the very next day. I was blown away when the invoice dollar was actually $35 dollars less than quoted, the service advisor told me he found one of the parts at a better price and passed the savings along. I will always use Tri-Cities Battery and Repair as my shop and I hope you give them a try too.” ~Lin J. Air Care Services(Lewiston, ID) “Terry Thompson, Owner and Operator of Air Care Services in Lewiston, Idaho, is by far the single best person my wife and I have ever had the good fortune to have work on our home. Thanks to Terry's hard work, diligence, and dedication to his profession, our home was made habitable, and can now be heated uniformly, our ducts are now spotlessly clean and free of the dead mice, nests, and waste left behind by one of Terry's unscrupulous competitors in the Lewiston, ID area. I cannot begin to recommend Terry highly enough, he sincerely takes pride in the quality of his work and it shows in every aspect of how he treated us and our home and in the impeccable results he produced. I have never encountered a harder working, more honest, more reputable home repair or service person in my life. He is an outstanding individual, and an incredibly hard worker. My wife and I cannot thank Terry enough for his hard work and determination in doing the job of cleaning our ducts right, where his competitor had failed miserably. I firmly believe some people are just better at their jobs than other people, and Terry Thompson is the very best around at cleaning ducts. He earns the right to be proud of the work he does, we are lucky to have found him, and we would highly and unreservedly recommend his services to anyone who seeking to have their ducts professionally and thoroughly cleaned. Thank you Terry!” ~Tom B. Sam’s Lawn, Tree and Landscaping(Spokane, WA) “I had Sam's Lawn & Tree do some major tree work in Sherwood Forest; Spokane Valley. We had never had any work done so my pine trees were in pretty bad shape with lots of dead branches. Sam's was referred to me by my brother inlaw who was very happy with Sam's service. I did get several bids. Sam took the time to explain what needed to be done. They climbed all the way to the top of over 20 trees and selectively removed branches. Other companies bidding would have just trimmed up so many feet and not taken the extra time to selectivly remove branches. I would highly recomend Sam's Lawn & Tree!” ~Richard B.

Looking Forward… Tips You Can Trust Pin Your Consumers’ Interest – Pinterest Captivates the Visual Audience Facebook, Twitter and YouTube have dominated the world of social media. However, it’s time to make way for a new, growing social media outlet that’s perfect for small businesses –Pinterest. Pinterest is the new, flashy way to share business logos, business products and the contributing content of other businesses and the like. Better Business Bureau offers business owners some tips to see if Pinterest is right for their business. Pinterest is an online bulletin board that allows users to “pin” and organize images to specific categories of interest. When using it for business purposes, business owners can pin images of their business logos, business coupons and discounts, and other consumer-friendly images. Followers of that business can then like, comment or re-pin the image to their own boards, and continue on to the business site where the image originated. According to the retail deal site, ideeli.com, Pinterest has brought a 446 percent increase in web traffic to their business’ site. When setting up a Pinterest account, business owners should consider the following: Pinterest is a great way to spread the news and drive sales. Is your business having a can’t-be-beat sale on back-to-school items, shirts and shoes, flashy watches? Is your restaurant serving a new, delicious item on the menu tonight? Without getting too promotional, Pinterest can make these images catchy and fun. Pinterest is perfect for those who like to share. Nobody likes a self-absorbed, over-sharer, but on Pinterest your business can not only share the images that pertain to your business, but the images of other users as a way of saying “Hey, I find this funny and it relates to our mission, too. Check this out!” Is Pinterest right for your business? Since Pinterest doesn’t technically have any “business” features on their site yet, and their boards are more visually based, it may be hard to lure in potential customers, but it may be worth a shot. Social media is a growing attraction to all demographics and if your business wants to keep up with the times, BBB recommends trying new social media outlets to enhance your brand visibility.	What’s Shakin’ With Your BBB? BBB Logo Contest! The most effective way to promote your BBB Accredited Business standing is by proudly displaying the BBB logo for customers to see. We want to help shout your trustworthiness from the rooftops by showing off pictures of the BBB logo with your company. Vehicle decals, plaques, and dynamic seals on your website are just a few ideas. What do you need to do? Email us a picture of the BBB logo in your place of business or with your staff. Creativity counts! All submissions by April 13, 2012 will be entered to win a special BBB logo prize. Send all photos to cdannen@spokane.bbb.org with your business name, contact person, and phone number. All entered photos will be added to our BBB Facebook page to promote your company as well. Now get snappin’! Read the contest rules here, and like our Facebook page here to get immediate scam updates.
	Clearing the Air If there are any corrections or clarifications to make with any previous Naming Names releases, our policy is to post it and make it known in the next month’s Naming Names. The following company was initially listed in January's Naming Names, but addressed the complaints in question: Wilkinson Corp
Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable. If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

Did You Buy a Lemon? BBB Auto Line Could Help

3/8/2012

Posted on 3/8/2012 by

For more than 30 years, BBB AUTO LINE has helped consumers resolve “lemon law” complaints simply, and without the cost of hiring a lawyer. Our dispute resolution program covers car warranty issues against participating manufacturers, and we have helped more than 2 million consumers in that time. Last year alone, BBB AUTO LINE consumers received re-purchase, replacement and reimbursement awards totally more than $41 million, while saving automakers millions in legal fees – a “win-win” situation.

Know your lemon law – Every state has a lemon law, which makes automakers responsible for vehicles that fail to meet performance and safety standards, regardless of the warranty. You can get details on state laws here, but make sure you keep all documentation on your vehicle, its history, repair orders, etc., take notes when you talk to your dealer or repair shop, and keep track of how many days your vehicle is out of commission.

Is my car included? – Most automakers agree to participate in BBB AUTO LINE to resolve their consumer complaints quickly and efficiently. And we’ve made it easy for you to check and see if your car, truck, van or SUV is included. If you are looking for a new vehicle, check this list and see if your top choices are covered. These manufacturers stand behind their vehicles and are committed to working with consumers fairly. They deserve your business.

File your complaint – At BBB AUTO LINE, we strive to make resolving your lemon law complaint as simple as possible. Our role is to open communication between you and your manufacturer and to assist in the speedy resolution of your auto warranty or lemon law dispute. We will guide you each step of the way: through collecting documentation, negotiating a possible settlement and navigating the arbitration process.

Keeping Kids Safe Online

3/6/2012

Posted on 3/6/2012 by

For more than 35 years, the BBB Children’s Advertising Review Unit (CARU) has been helping parents control what their kids see and hear on television, radio and, more recently, the Internet by evaluating child-directed advertising and promotional material. Working closely with major advertising trade associations, CARU developed Self-Regulatory Guidelines for Children’s Advertising and a process for enforcing them.

Keeping kids safe online – The average kid spends 2-7½ hours online every day. From homework to games to chatting with friends via social media, the Internet has become the primary channel of communications for children and teens. Safety on Screen: Keeping Your Children Safe on the Internet is a free online guide that explains issues such as privacy, security, cyber-bullying, stalking, setting parental controls and more.

Problems with what your kids watch? – If you’ve seen an ad on children’s television (programming aimed at children under age 12) or on a child-oriented website (aimed at children under 13) that you think is inappropriate, report it to CARU and we’ll look into it. Many advertisers clear their ads with us before they air to be sure they are offering a responsible message, and we watch carefully the ones who don’t.

Consumer Choice: Control Your Data Online

3/6/2012

Posted on 3/6/2012 by

Online behavioral advertising uses your web surfing history to display online ads that are most likely to interest you. Advertising pays for a lot of great online content we’ve come to depend on, but advertisers want to make sure that they are reaching the right people with their messages. Information is collected as you search the web and move across various websites but, thanks to a new industry-created program, you have some a lot more control over who gets your information.

Exercise your choice – There is an important new symbol you need to get to know: the AdChoice icon.

When you see an advertisement that carries the above icon or AdChoices message, you can click on the icon or message to learn more about the ad, and how to opt-out from future collection and use of your web browsing data for interest-based advertising.
You can visit the AboutAds consumer choice page to see a list of businesses that collect and use data for OBA purposes and you can opt out of some or all on the list.
You can set preferences on some web browsers that enable you to control the delivery of cookies to your computer.

File a Complaint – If you believe a business is following your online browsing history and serving you ads based on that information without giving you notice and choice through the icon or the AdChoices message, we encourage you to fill out our easy-to-use online report form. The more information you can give us, the better able we will be to act on your report. If you can capture screen shots related to your report, you can send them to obacompliance@council.bbb.org as attachments to your report or by separate email.

Learn More About the Participants – Hundreds of websites and other businesses support this new initiative – about 90 percent of the companies that deliver ads to you. These are companies that have committed to honest online advertising and respect for your privacy, and they deserve your business. Look for the icon and make your choice.

Consumer Choice: Control Your Data Online

3/6/2012

Posted on 3/6/2012 by

Exercise your choice – There is an important new symbol you need to get to know: the AdChoice icon.

When you see an advertisement that carries the above icon or AdChoices message, you can click on the icon or message to learn more about the ad, and how to opt-out from future collection and use of your web browsing data for interest-based advertising.
You can visit the AboutAds consumer choice page to see a list of businesses that collect and use data for OBA purposes and you can opt out of some or all on the list.
You can set preferences on some web browsers that enable you to control the delivery of cookies to your computer.

Giving Wisely to Accountable Charities

3/5/2012

Posted on 3/5/2012 by

The BBB Wise Giving Alliance helps donors make informed giving decisions, and advances high standards of conduct among charitable organizations. Our “Standards for Charitable Accountability” are the most rigorous of any charity review organization, and ours is the only review program that requires charities to respond in order to be evaluated.

Give to accountable charities – You decide on the causes and issues you want to support, but a BBB charity report will show whether your charity of choice meets our high standards for accountability, transparency, governance and more. Here is a list of national charities that meet BBB Wise Giving Alliance standards (many local BBBs also review regional and local charities).

Give to charities that make an impact – BBB Wise Giving Alliance is one of the founders of Charting Impact, a new organization that is helping charities and nonprofits create a common framework for reporting effectiveness. Supporters, donors, academic researchers, volunteers and the media are coming to recognize the Charting Impact Report as a valuable tool for assessing a charity’s impact on society.

Give through texting and social media – Social media makes information about societal needs easier than ever to find, and “text-to-give” makes donating a breeze. Learn more about how charities are using social media and mobile giving to support their causes.

Naming Names - March 2012

3/5/2012

Posted on 3/5/2012 by

The Naughty List What is Naming Names about? Ethics and accountability. The Better Business Bureau seeks to advance marketplace trust by holding both BBB Accredited and non-accredited businesses accountable for their actions. Naming Names calls companies out by name for not answering consumer complaints during the previous month. Central WA Bel-Aire Construction LLC Home Education Magazine Greater Spokane Region Camp Automotive, Inc Crowning Glory Studios Zanco Properties Griffin's Furniture PACLAB Northwest Laboratories NAO Auto Throwbackmax.com Mobile Transport American Touch Up C T R Construction Freedom Agency Online Magic Corp H & H Sharpening Farmers Insurance - The Hahn Agency Bailey Logging Bosca USA Southeast WA ADS Window Tint Classic Island Casino Gold's Gym (Kennewick) The Buggy Lady Farmers Insurance (Richland) Community Action Center North ID Northwest Wireless Kinzer Air Heating & Cooling White Pearl Inc JR's Structures, LLC. Bell Automotive Central MT Environmental Adventure Company D E Gray Construction Plain Green Loans LLC First American Capital Resources LLC Continental Motor Inn JTR Construction Truly Scented Candles Silver Bow Property Management, LLC Western MT Met Life Home Loans (Helena) Credit & Collection Solutions Inc Montana Satellite and Wireless Rocky Mountain Christmas Company Mountain Machines Performance Southeast MT Good Roofing Top Tech Automotive Ernie's Auto Sales Econo Lodge (Billings) Howard Johnson (Billings) Rodeway Inn (Hardin) JB Automotive Repeat Offenders Repeat offenders are companies that have an large number of complaints closed within a month; not based on their responses to complaints. The following businesses had 5 or more complaints closed in the month of March. Countrywide Periodicals (37) Plain Green Loans LLC (11) Freedom Agency Online (16) Stellar Recovery, Inc (10) Dave Smith Motors (6)	The Nice List Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month. Annuity Straight Talk LLC (Whitefish, MT) “Approaching retirement age can be very unsettling. I had invested in the stock market with various companies and was not finding the satisfaction of knowing where I was going in regard to my retirement. Straight talk annuity struck my interest and I emailed Bryan. When we talked, I found him to be very sincere and not at all pushy like so many salesmen. He walked me through the process of purchasing an annuity and gave me the tools and education to understand what I was doing. I now have a life long business friend that will be there to assist me financially when I need it. I have recommended Bryan's services to my friends and would recommend him to anyone young or old. It's never to early to start investing. I now have a great peace of mind and am looking forward to a secure retirement. Thank you, Bryan.” ~Janet K. Falco’s Inc. (Spokane Valley, WA) “I have complete confidence in Falcos. We purchased a wood insert. We had some unique challenges with the design of our double sided fireplace and with the style of our mantle. Falcos worked with us to determine just the right model. The follow-up was terrific. The staff are very knowledgeble and friendly. I felt like a long term customer from the moment I walked in the store. They will go above and beyond what is expected to make sure everything is perfect. I highly recommend Falcos.” ~Darla S. Trans Doc, Inc. (Post Falls, ID) “I took a friends car into Trans Doc with an unknown type of transmission problem. The staff took a good look at it and gave us 2 good options with warranties to choose from. We choose to have them completely rebuild the transmission so we would not have to worry about problems with the car again. Mike and the crew at Trans Doc are very easy to work with and true to their word, both on price and timing of having the car ready when promised. I would recommend them withour hesitation.” ~Rocky B. Sangster Motors, Inc. (Wenatchee, WA) “I love Sangster Motors . They gave me a great deal on my GMC Canyon and the service department is great . This was my 1st time buying from Sangsters and I'll never go anywhere else.” ~Blake M.
Looking Forward... Tips You Can Trust *6 Tips to Consider Before You Spend this Year’s Tax Refund* Do you spend weeks each spring eagerly anticipating your income tax refund? When the money finally comes in, is it gone tomorrow? You’re not alone. Many consumers view tax refunds as unplanned bonuses, but it makes more sense to plan for that new chunk of change so it doesn’t go to waste. Whether or not you are in need of debt relief, a tax refund provides the opportunity to improve your financial situation. BBB and Clear Point Credit Counseling Solutions recommend the following tips to tax refund recipients: Pay down your debt. Refund checks usually arrive when many consumers are still struggling with holiday bills. Use your refund for some much needed debt relief: pay off your credit card. Or, apply your refund toward other debts, like a car loan or a home equity loan. Consider your financial goals. Are you trying to save for a down payment on a house or car? Do you hope to contribute to your child’s college tuition one day? Consider applying your tax refund toward these goals. If you don’t yet have a set of short-term and long-term financial goals, put one together. Save it for a rainy day. Why not give yourself an even bigger return on your tax refund by putting the money into a savings account–or an emergency savings account, CD or retirement fund? Your tax refund will continue to grow if you put it into savings or invest the money. Plus, it’s always helpful to have a savings account to draw from when a major car repair bill, medical emergency or other unexpected expense comes along. That way, you don’t have to borrow money and add to your debt-load. Keep things in perspective. Working your way out of debt can seem like a daunting task, but every little bit helps! Paying down debt takes time, but steadily increasing your monthly payments does have an impact. It may take years to pay off your debt, but your ultimate reward — being debt-free — will be well worth the effort. Consider investing in your home or in others. Even if your finances are in good shape, your refund check provides the opportunity to improve your life or the lives of others. Use the money to spruce up your home or make it more energy-efficient. Improve your career opportunities by taking a class or training course. Use your refund to teach your older children how to handle money. Give them a portion of the refund and help them budget for school, clothing and entertainment expenses and savings. Finally, you may want to donate your tax refund to a charitable organization. You’ll help improve the lives of others, and your charitable gift may reduce next year’s tax burden. Check out BBB Wise Giving Alliance at www.bbb.org/charity for more information on trustworthy charities.	What's Shakin' With Your BBB? Did you know... Your BBB Offers Advertising Opportunities! If you are interested in promoting your company with the trust factor of the BBB, we may have opportunities for you! There are three online programs available to market your business directly to your audience. From video advertisements on the BBB website to prominent spots on Google, your business will get noticed! Below are details on the three online programs we offer to our Accredited Businesses. If you have questions, just call 800-248-2356 and ask for Brandon. Sponsored Listings: Stand out from other Accredited Businesses in the BBB Directory. Spotlights your listing on our Accredited Business roster Premium logo placement Multiple packages available Click here to view an example Search Engine Solutions (SES): Drive traffic to your BBB Business Review page with Google. Boosts awareness on Google Specific keywords target your audience AND region No long-term contracts required Online Video Sponsorships: Engage your customers with both sight and sound while advertising your business! Logo prominently displayed with video content on BBB website Guaranteed 10,000 impressions per year No competing ads Month-to-month sponsorships available Call 800-248-2356 and ask for Brandon if you would like more information on these sponsorship opportunities!
	Clearing the Air If there are any corrections or clarifications to make with any previous Naming Names releases, our policy is to post it and make it known in the next month’s Naming Names.
Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable. If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

Elea Katzele Chosen As New BBB CEO

3/5/2012

Posted on 3/5/2012 by

Eleanor (Elea) Katzele has been officially elected as the new CEO and President of the Better Business Bureau Serving Eastern WA, North ID, and MT. Katzele has been Vice President of the Spokane based BBB since 2007; leading both Operations and Communications teams.

Katzele is honored to fill the position that past CEO Jan Quintrall has held for 13 years. "This organization has grown so much under Jan's direction, and I'm excited to expand even further in our 100th year," Katzele says. "It's our chance to focus on our Accredited Business services and remind the marketplace what we do; what we're all about."

Katzele intends to focus on continuing to build relationships with Accredited Businesses and encouraging consumers to become educated buyers throughout BBB's three state region. Ed Cushman, BBB Board of Directors member and owner of C & H Foreign Auto Repair expressed his support of Katzele. "She is dedicated to upholding the standards of the BBB. She's very forward thinking and will do marvelously."

The BBB team also trusts Katzele's direction; "I feel confident. Elea brings great vision, consistency, and knowledge to our organization," said Andrew Dietz, BBB Director of Core Services. "I see her being the face of the BBB for years to come."

Prior to working for BBB, Katzele spent six years with Bank of America in various Operations roles. She has a Bachelor's degree from Eastern Washington University with management, marketing, and HR majors.

If you would like to welcome Elea as BBB's new CEO, feel free to email her at ekatzele@spokane.bbb.org. If you have any other questions or comments, you may contact Chelsea Dannen, PR & Media Specialist at 509-232-0529 or cdannen@spokane.bbb.org.

Managing Credit, Made Simpler

3/5/2012

Posted on 3/5/2012 by

In today’s society, credit management is as important as money management. You need to read agreements you sign with lenders, understand your credit score, and manage your credit effectively. It’s complicated, but BBB has made it simpler with three clear and easy-to-understand guides based on your level of experience with credit and the amount of your debt.

New to Credit – Secure your first credit card, manage a personal credit line, apply for a loan. Having a good credit record may help you qualify for lower interest rates, and your credit record may also affect your ability to get a job, an apartment or affordable car insurance, among other things.

Balancing Act – Have you tried to manage your money well, but are facing changes in you financial situation? Are mounting bills and limited resources making you aware that you need to develop a new plan before your financial situation gets worse?

Overwhelming Obligations – If your bills are piling up, you are barely making minimum payments, or creditors are calling, this version is for you. Get solid advice that can help you pay down high balances and get back to financial health.

Montana Shred Day

2/28/2012

Posted on 2/28/2012 by

In Honor of National Consumer Protection Week

March 4th - 10th , 2012

Identity theft prevention experts will be on site to answer your questions about protecting your personal information. We encourage you and to participate in this free service to shred all of your disposable, identifiable documents to prevent identity theft and fraud.

Public Welcome

When: Monday, March 5, 1:30pm – 3:00pm

Where: Wal-Mart off Reserve Street in Missoula

When: Wednesday, March 7, 12:00pm - 1:30pm

Where: Kmart in Kalispell

When: Friday, March 9, 12:00pm - 1:30pm

Where: YMCA parking lot in Helena

Special Thanks: Attorney General’s Office & the AARP

Record Retention Schedule

*Paper Only* *2 box maximum please*

BBB CEO, Jan Quintrall Takes Position with City of Spokane

2/27/2012

Posted on 2/27/2012 by

February 27, 2012
FOR IMMEDIATE RELEASE:

Jan Quintrall, President and CEO of the Better Business Bureau Serving Eastern WA, North ID, and MT leaves her position at the BBB to begin a new chapter with the City of Spokane. After 13 years with the Spokane-based BBB, and 25 years in the BBB system, Quintrall is honored to become Division Director for Business & Developer Services under the new direction of Mayor David Condon.

“This is exactly what I want to do; I understand the city. I’m ready to roll up my sleeves and create solutions,” Quintrall says about her new position.

Elea Katzele – who has been primed for this position for the last 4.5 years as BBB Vice President - has been appointed the interim acting President and CEO. Katzele brings with her a Bachelor’s Degree from EWU in Marketing, Management, and HR as well as six years with Bank of America in multiple Operations roles. Katzele has lived across the nation and is proud to now consider Spokane home.

In addition to her regional CEO duties, Quintrall served on the Council of Better Business Bureaus (CBBB) Board of Directors. Carrie Hurt, interim CEO of CBBB has a great sense of pride in this new opportunity for Quintrall. “Jan has the ability to look at issues and see how solutions will affect the greater good… She is a visionary for leadership,” Hurt said of Quintrall’s contribution to the BBB system as a whole. “That she was sought out is indicative of the quality of Jan as a person and the pertinence of the BBB in the Spokane Community.”

Quintrall’s leadership was founded on expansion, growth, and a passion for self-regulation. During her tenure, the Spokane BBB tripled staff capacity, quadrupled revenue, and purchased the office condo in Downtown Spokane. Quintrall also grew the BBB service area into the Yakima, WA region and into Montana – the last state to have BBB coverage. Quintrall thrived on building strong relationships with law enforcement and regulators to advance self-regulation in our communities. Her guidance also inspired a high school ethics program (CORE) which is still presented to encourage ethical behaviors in our youth.

The Better Business Bureau is honored to have had such a determined, innovative leader and wish her luck in her next adventure with the City of Spokane.

Shred It & Forget It! Spokane USPS Shred Event March 9th

2/24/2012

Posted on 2/24/2012 by

In Honor of National Consumer Protection Week March 4-10, 2012

The US Postal Inspection Service is partnering with United Data Security to provide unlimited FREE document shredding!

Public Welcome!

When: Friday, March 9th from 7:00 -10:00 am

Where: Metro Post Office Parking Lot, 5511 E Alki Ave Spokane, WA 99212

(Heading north on Fancher from Sprague, 1st left at Alki, go to end of street, Metro Station will be just around the right curve on your left)

Special thanks to: Spokane C.O.P.S., Washington State Attorney General's Office, Better Business Bureau, Spokane Police Department, US Postal Inspection Service and United Data Security.

For more information contact Sharon Wesselman, USPS at 509-252-2345

Shredding provided by United Data Security

"Experian" Phone Scams Resurface

2/16/2012

Posted on 2/16/2012 by

BBB has been alerted that a phone scam under the company named “Experian” has been calling to offer people to reduce their credit card interest rate for a certain fee. The call is a scam and is not associated with the credit reporting company U.S. Experian.

Similar scams have been reported in the North Idaho area in the last couple years; Experian even had to issue a logo exploitation warning on their website. According to a North Idaho woman, the call she received sounded like it was coming from a call center. The number showing up was a U.S. number although the caller sounded foreign.

BBB ADVICE

BBB offers the following additional advice for consumers who receive robocalls from companies offering to lower their interest rate:

· Never give personal information, including Social Security, bank or credit card numbers, over the phone to an unknown telemarketer. Always research the company first by reviewing its Reliability Report at www.bbb.org.

· If you would like information about reducing your credit card interest, contact your credit card company.

<!· When considering any company offering any type of financial assistance, insist on getting a contract in which all terms and conditions are clearly explained before signing up or providing credit card or other payment information.

· Consumers can place their home phone number on the federal Do Not Call list by visiting www.donotcall.gov.

· Any robocalls or if you are still getting calls after 30 days, can be reported to: https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

If you feel like your information has been compromised, please contact your credit card company and have them look out for the charge. Please call your local North Idaho Attorney General at (208) 334-2400 and your local BBB at (509) 455-4200 if you have any questions or concerns about this scam.

Vehicles Bay Inc. Entices Victims With New Car Deals Online

2/7/2012

Posted on 2/7/2012 by

February 8, 2012 – Our Better Business Bureau was alerted by the Helena Chamber of Commerce that Vehicles Bay Inc., an online car dealership states they are located in Helena, MT. Their website, www.vehiclesbay.com lists cars and trucks for a fraction of the retail price. BBB warns consumers to be wary of items with extreme discounts and promises that sound ‘too good to be true’.

Vehicles Bay Inc. claims they are located at 301 Douglas St. Helena, MT 59601, but the Montana Attorney General’s office confirmed this to be false. The website vehiclesbay.com was registered on 1/12/2012 out of Sunnyvale, CA.

BBB recommends the following tips to avoid being fooled by shiny cars with false claims:

Check every business with BBB. Not only do you want to research the Web site with the BBB, you also want to research the business that is offering the deal. Look for the BBB Accredited Business seal on both Web sites and only go with businesses that have a good rating with BBB.

Do not offer credit card or bank information. Scammers are quick to offer outrageous deals in exchange for your financial information. Once they have money, chances are you will never receive your product or service!

Major purchases require a contract. No contract, no deal. Cars and homes are among the most expensive purchases an average person makes. Such purchases require contracts (and often financing) to protect both the buyer and the seller. Do not make a major purchase without a legally binding contract.

Avoid major purchases over the Internet. A major purchase is one you will live with for a long time. Treat your buying decision with this in mind. In the case of a vehicle, research the vehicle identification number (VIN), test drive the car or truck, and inquire into the repair history and odometer accuracy if it is a used vehicle. Researching these items requires more information than the Internet can possibly provide.

Require physical evidence of products and businesses. It is very easy to create a website with a phony business offering non-existent products. Verify the physical existence of businesses and products before making a purchase (especially a major purchase).

Our Better Business Bureau alerted of a similar scam in October 2011, for a company called ‘Auto Bay’. To see this alert, click here.

Look Out for Super Bowl Scams

1/25/2012

Posted on 1/25/2012 by

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

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

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

Beware of Ticket Scams

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

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

In general, avoid scams by being skeptical of:

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

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

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

It's Back! Fake BBB Complaint Email Makes Rounds in 2012

1/18/2012

Posted on 1/18/2012 by

It’s back! An email scam using Better Business Bureau’s name and ‘Start With Trust’ tagline is flooding inboxes across the nation this morning. Emails purport to be from the Utah BBB and have a link that appears to be www.bbb.org. THIS IS A SCAM. Don’t be a victim; follow these basic tips to avoid malware and phishing attacks:

Do NOT open any attachments.
Do NOT click on any links, even if it looks legitimate.
Delete the email from your inbox, and then delete it again from your trash or recycling folder.
Run a full system scan using a reputable virus software scanner.
Forward scam emails to phishing@council.bbb.org.

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). You can call our BBB at 509-455-4200 as well to verify the legitimacy of a complaint.

Start With Trust and check with your local BBB if you receive something that seems fishy. Below is the exact text of this scam email:

Subject: BBB case # 216145442347

To the Urgent Attention of the Owner/ Manager!

Re: Case # 216145442347

The Better Business Bureau would like to inform you, that one of your clients has recently forwarded us a complaint relative to their business relations with you. Please use the link below to review the contents of the complaint: http://www.bbb.org/

In order to save your time and good customer relations, we strongly recommend that you provide the BBB with verification of your position regarding this case in writing by January 31, 2012 . Failure to promptly pay attention to this matter may have an influence on the Reliability Report we give to consumers about your company.

We are looking forward to hearing from you.

Sincerely,

Larry Kaye

Dispute Counselor

snieves@utah.bbb.org

Privacy Policy | Terms of Use | Trademarks | Find a BBB | BBB Directory

BBB Scam Alert: Microsoft Doesn't Need to Fix Your Computer

1/17/2012

Posted on 1/17/2012 by

A Montana man got a call this morning from “Microsoft.” Only the “employee” spoke broken English with a heavy accent. He claimed the consumer’s computer had gotten a virus. Would he please go to this website so “Microsoft” could remote into his computer and fix it.

No.

The consumer asked which computer and the caller said “the one with Windows 7.”

“But I don’t have a computer with Windows 7.”

“Oh. Well, I meant Windows XP.”

Uh, huh. The consumer hung up and called us, the BBB. We were able to tell him that according to the legitimate Microsoft website, this scam has been running since approximately 2008.

How it works: The cold caller demonstrates where your computer “problems” are and then convinces you to pay a fee for a service to fix them and/or to buy a one-year computer maintenance subscription.

In reality, nothing is wrong with your computer beyond having it remotely controlled by a scammer.

According to Stuart Strathdee, Microsoft Australia’s chief security advisor, where this scam made the rounds in 2010, “Microsoft is not cold calling consumers in regards to malfunctioning PCs, viruses or any other matter.”

What should you do if you receive a call like this? Hang up. You can also contact your local police department, Microsoft, and/or the Better Business Bureau.

Naming Names December 2011

12/28/2011

Posted on 12/28/2011 by

The Naughty List
What is Naming Names about? Ethics and accountability. The Better Business Bureau seeks to advance marketplace trust by holding both BBB Accredited and non-accredited businesses accountable for their actions. Naming Names calls companies out by name for not answering consumer complaints during the previous month.

Greater Spokane Region
Riverbend Bordeaux
Go Green Sustainable Industries, LLC
AlumniClass.com
Camp Automotive, Inc.
Culligan
Little Loan Shoppe
Greenacres Motors, Inc.
Inland West Landscape Materials and Rock
Mobile Transport
Specialty Auto

Central WA
Irish Eyes Garden Seeds
Mountain Time Sports

Southeast WA
Cellular9OneOne
Eco Fresh Cleaning
Excalibur Auto Group
Kim A Ouren Attorney at Law
Shafer Motor Company
Shiraz Photography

North ID
Northwest Property Management
Specialty Recreation and Marine
Snake River Adventures
Jones Enterprises
Carlson's Used Cars

Western MT
Art and Ray Lock and Safe, Inc.
LDS-ART.com
Halo Heaven
Montana Custom Log Furniture
Monty's Auto Delivery
Western Montana Denture Center

Central MT
Best Rate Towing & Repair
Bozeman Watch Co.
Mile High Motors, LLC
Plain Green Loans
Taz Moving Systems, LLC
West Main Car Wash

Southeast MT
Chaney's Taxidermy
The Zoo Health Club

Northeast MT
J. Clinton Contract Services

The Nice List
Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month.

Billings Window & Door, LLC (Billings, MT)

"We had replacement windows and sliding glass doors installed in our home in November 2011. Since this was a major investment for us we did a lot of research and shopping around. We decided on Billings Window and Door because Karen was extremely knowledgeable and patient in guiding us through the selection process. They also handle more than one brand which gave us several options. We are very happy with our selection and Bob did a great job of installing them. We plan to purchase a new front door next year and won't even shop around because of our positive experience with Billings Window and Door." –Dwile W.

Bulldog Rooter (Spokane, WA)
"I have been a customer of Bulldog Rooter for a few years now. I don't usually send in reviews for companies, so this is a first for me. I have had great service since the first time they came out to my home, which was in the late evening - and they didn't even charge extra for being after hours. They have ALWAYS been so honest with me and completly fair on their price. I am very impressed with the way the owner, Butch, handles every situation and makes sure that I am completly happy with the job done. Their prices are SO much better than the other plumbers that I have used in the past. You can't go wrong with calling Bulldog Rooter!" –Katrina M.

J & R Electronics (Rathdrum, ID)
“I had a great experience. I ordered a tablet and a few days later I decided I wanted a different model. I called and I was directed straight to a person which was a nice change and he was very helpful I was on the phone for less than a minute and my order was placed and shipped the same day. Awesome customer service I am very impressed. Already recommended the company to my family I will be shopping with them again.” –Natelie R.

Repeat Offenders
The following businesses had 5 or more complaints closed in December.

U.S. Magazine Services – 16 closed complaints

Stellar Recovery – 5 closed complaints

Looking Forward… Tip for February

New Year’s Resolution: Lose Weight not Money

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, Better Business Bureau recommends asking the gym these 5 questions before signing on the dotted line.

Joining a health club can be a major purchase, so first check outwww.bbb.org/searchto see how your club rates. To date, BBB has received more than 6,600 complaints against gyms ranging everywhere from billing and collection issues to overall contract issues. We recommend asking the gym and yourself the following questions before signing up for a membership:

Five questions to ask the gym:

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

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

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

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

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

What’s Shakin’ with Your BBB?

Did you know that we blog? Our resident bloggers, Holly Doering (BBB Editor) & Lance Trebesch (BBB Board Member) have a passion for educating consumers & businesses. Lance just wrote a fantastic blog about why they became BBB Accredited; here’s a snippet:

The Better Business Bureau and the Trust Factor

When you visit my site at TicketPrinting.com, you’ll see the BBB Accredited Business Seal featured prominently in the upper right hand corner of the page. We knew early on that, as a web-based business, we needed a way to communicate accountability. When you’re in ecommerce, you need to appear trustworthy from the moment your page loads. How could we prove to visitors that our company was trustworthy?

We became members of the Better Business Bureau.

No other organization so clearly demonstrates that a business maintains good standing in the community, and our community is all of North America. Membership indicates that a company is run with integrity and the intention to treat customers fairly. This membership assures customers that our company lives up to the highest ethical standards. If, somehow, we fail to achieve this goal, then the customer can inform the BBB, which will address the issue for them. While we’ve always been accountable to our customers, being accountable to the BBB demonstrates our intentions in a bigger way.

Of course, the BBB is more than a resource for consumers to gauge the trustworthiness of a business. They also offer businesses plenty of great incentives. Their blog and other links on their website provide us with plenty of great ideas for keeping our customers satisfied and maintaining our reputation. We especially like the new feature: customer reviews. This offers us yet another way to engage our customers in a dialog, which helps us improve our service, raise our standards, and create a positive buzz surrounding our business.

Read the rest at the BBB Blog center.

Clearing the Air
If there is a correction to make with any previous Naming Names releases or if there is an error that needs clarification or re-address, our policy is to post it and make it known in the next month’s Naming Names.

The following company was initially listed in November's Naming Names, but addressed the complaints in question:

Sacred Heart Medical Center (Spokane, WA)

Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable.

If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

Naming Names - January 2012

12/28/2011

Posted on 12/28/2011 by

Central WA
Mountain Time Sports
Martinez Body Shop

Greater Spokane Region
Bogles Auto & Truck Repair
Riverbend Bordeaux
Magic Corp
Car Wash Partners
D'Arcy Lee Apartments
Dunnright Irrigation & Landscape
ePier Inc.
Fair Market Treasures
J & M Asphalt
New Online Incomes- BBB CAUTION
Premier Painting, LLC
Mobile Transport

Southeast WA
Cellular9OneOne
Bride And Groom With A Broom
Moon Security Services, Inc.

North ID
CoiNuts
J & H Contracting, Inc.
MetLife Home Loans
Northwest Property Management
Lyman Dust Control, Inc.
Inn America Lewiston Hospitality
Lewiston Comfort Inn

Central MT
Journey Marketing
Rescue Geeks
Jiffy Lube (Bozeman)
Stella Photography
K C Laundry

Western MT
Bella Baby Company
Eisinger Honda
Pioneer Plumbing & Heating
Western States RV & Marine
Montana Custom Log Furniture

The Nice List
Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month.

SCS Contracting (Spokane, WA)

I hired SCS Contracting to do 3 jobs over the last 3 years, and was impressed by all three. First I had a total kitchen remodel down to replacing drywall. The job was very well done and very thorough and legal with all necessary permits and inspections. The second job I had done was a landscaping project in which masonry was involved. It turned out much better than I had anticipated because the Contractor had great ideas that I chose to use. The third was a bit of drywall mudding, which was also done to my satisfaction. The clean up was excellent and the job also done very well. ~Cheryl M.

Tumlinson Building Service, Inc.(Yakima, WA)

We hired Tumlinson Building Service for a kitchen and bath remodel after receiving glowing recommendations from a friend. The bid was prompt and reasonable. The work was done quickly and well. Josh is dedicated, unintrusive and had the expertise needed for the job. He completed all aspects of the bid and made many important improvements along the way. The finished product? Great! We are very happy with the quality of work. The timetable was the opposite of all those commercials you see with contractors staying for weeks on end. Our "8-day project" was completed in just 7 days. And even with the changes we made to our initial plans, our final cost was lower than the initial bid. ~Paula W.

D and M Motors, Inc.(Ellensburg, WA)

Great shop, the owner was very helpful and kind. The techs knew what they were doing and also were very kind. They assessed my car for a problem I was having, initially stating that it would cost $39 for the inspection. After the diagnosis, the owner told me that since it was my first time into the shop, it would be a courtesy check. Further, I had blown my front CV joints and front axle. He recommended that I get that fixed, but did not pressure me to allow his company to do the work. I asked him for a quote, which was refreshing as it is usual to have a company shove their work down your throat. D & M offered a shuttle service for me to and from the shop to my apartment while the work was being done on my car. They even went above and beyond by washing my car after it's service. This is an excellent company, fairly priced, good mechanical skills and great customer service. ~Tori S.

Repeat Offenders

Repeat offenders are companies that have an excessive number of complaints closed within a month; not based on their responses to complaints. The following businesses had 5 or more complaints closed in the month of January.

Merchant Services Direct LLC (6)

Plain Green Loans (13)

Stellar Recovery, Inc. (6)

U.S. Magazine Services (22)

Meet the newest member of our team... Teensy!

Teensy is a 3 month old, female Yorkie-Maltese mix. She currently weighs under 2 lbs and will be around 5 lbs when she's full grown.

Looking Forward… Tips You Can Trust

Protecting Data – Does Your Business Know What to Do?

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

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

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

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

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

*If you have any ideas for small business tips, please email them to Chelsea Dannen at cdannen@spokane.bbb.org.

What's Shakin' With Your BBB?

BBB Accreditation should be easy, right? That is exactly why Stephanie Jones is our Accredited Business Specialist. Stephanie is the team member that is dedicated specifically to you – our Accredited Businesses. If you need help logging into your profile to update your information, Stephanie is your gal. She also helps with adding photos to your BBB Business Review to show off your staff, products, logo, or completed projects.

We encourage you to make the most of your Accreditation; if you have any questions, we are available to you.

You can email Stephanie directly at sjones@spokane.bbb.org and her direct line is 509-232-0541.

Clearing the Air

If there is a correction to make with any previous Naming Names releases or if there is an error that needs clarification or re-address, our policy is to post it and make it known in the next month’s Naming Names.

The following business was named in a previous Naming Names but has addressed the complaint in question:

Culligan Waterco of the Pacific Northwest

Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable.

If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

US Telecom Fools With Fraudulent Invoices

12/27/2011

Posted on 12/27/2011 by

December 28, 2011

A local business has informed our BBB that an F-rated company, US Telecom (aka UST Development, Inc.) based in Ontario, CA is soliciting in our region. US Telecom has a history of sending fraudulent invoices to businesses for ‘maintenance warranties’ in the amount of $175.00 to $350.00. See below for an example of the solicitation. These invoices are solicitations for business, not an actual bill. You are not obligated to pay this amount to US Telecom/UST Development, Inc. This company has had 139 complaints filed in the past year, and many have gone unanswered.

April 10, 2012 Update: We have received multiple calls from businesses across the nation who report that the $425.00 solicitation invoices they have received show US Telecom's return address has changed to: P.O. Box 970 La Verne, CA 91750-1970. As of 4/10/2012, the solicitation invoices still do NOT state anywhere that they are a solicitation for business, and the company has a total of 262 complaints filed against them.

To see further information about US Telecom/UST Development, Inc., see their BBB Business Review. If you have any questions about these invoices, feel free to contact Chelsea Dannen, PR & Media Specialist at 509-232-0529 or cdannen@spokane.bbb.org.

Amazon.com Email Scam Hits Montana

12/9/2011

Posted on 12/9/2011 by

December 9, 2011 - Helena, MT

Our Better Business Bureau has been alerted about a scam circulating in Helena, MT regarding a fake shipment from Amazon.com. The email claims that the recipient has purchased a ‘Fat Loss Monitor’ for $189.95 and hyperlinks to a website not associated with Amazon.com.

Do NOT click on any hyperlinks and immediately delete this email. If you did click any links, do a virus scan immediately. See below for an example of this scam:

Date: Fri, Dec 9, 2011 at 7:36 AM
Subject: Your Amazon.com order of "Omron WZH-638T Fat Loss ..." has shipped!
To: teri.wright@helenaymca.org

Hello,

Shipping Confirmation
Order # 021-5410667-7705300

Your estimated delivery date is:
Tuesday, December 13, 2011

Track your package Thank you for shopping with us. We thought you'd like to know that we shipped this portion of your order separately to give you quicker service. You won't be charged any extra shipping fees, and the remainder of your order will follow as soon as those items become available. If you need to return an item from this shipment or manage other orders, please visit Your Orders on Amazon.com.

Shipment Details

Omron WZH-638T Fat Loss Monitor, Black $189.95
Item Subtotal: $189.95
Shipping & Handling: $0.00
Total Before Tax: $189.95
Shipment Total: $189.95
Paid by Visa: $189.95

You have only been charged for the items sent in this shipment. Per our policy, you only pay for items when we ship them to you.

Returns are easy. Visit our .
If you need further assistance with your order, please visit Customer Service.

We hope to see you again soon!
Amazon.com

BBB Alert: Phishing Attack Using BBB Name Strikes Again

12/7/2011

Posted on 12/7/2011 by

Spokane, WA Dec. 7, 2011 - The 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. The 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 anyone who receives the email to not open or click them.

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

Naming Names - Naughty & Nice List

11/28/2011

Posted on 11/28/2011 by

Greater Spokane Region
1880 Western Wear
A-Framing
Camp Automotive, Inc.
Chet's Flowers, LLC.
Complete Upholsery
Econo Heat, Inc.
Evergreen Family Pet Shope, Inc.
Gamers Underground
Johnson Consulting
Joshua's Carpet Cleaning
JPI Worldwide Inc.
Lilaccityhauling.com
Mike Bley Construction
Mobile Transport
Mountain Gear, Inc.
Northwestern Trailways
SDS Realty
Specialty Auto
Spokane Fence, LLC
Suave Nails

Central WA
Ahtanum Auto
Johnston Research Group
Kesh Custom Tailoring
National Power Supply, Inc.
SCA Boots

Southeast WA
Cellular9OneOne
Charity Heating & Air Conditioning
Gold's Gym
Grandridge Dental
Joe Wallace Construction
Thrifty Car Sales
WSR

North ID
All American Homes, Inc.
C2M Sprinklers
CoiNuts
North Idaho Dermatology
Northwest Property Management
Sweet Streak Lingerie
Tim's Special Cut Meats, Inc.

Western MT
Bella Baby Company
Chidwick School of Fine Woodworking
LDS-ART.com
PEAK Health & Wellness Center
Schnauzer Mountain Miniature
Stellar Recovery, Inc.

Central MT
Blue Glass Enterprise, LLC.
Innovative Concrete Design, Inc.
Mile High Motors, LLC
Plain Green Loans
Rescue Geeks
Rob's Easy Auto Sales

Southeast MT
Staley's Tire and Automotive

The Nice List
Our BBB offers customers the chance to write reviews about companies they’ve worked with. These are a few kind words we’ve seen about Accredited Businesses in the past month.

White’s Boots (Spokane, WA)

“Exceptional customer service! Hand made right here in Spokane Wa. Unsurpassed quality, comfort and craftsmanship. Once you buy a pair, you have them forever. Like a fine wine, they get better with age. Thank you Whites Boots for keeping that American tradition.” –Jerry B.

Big Sky Collision (Billings, MT)

My wife was involved in an accident that required an extensive repair of a little more than $7000 and reqired the replacement of all of the metal on the drivers side of the vehicle. Having been in the retail automobile business for more than 30 years I am familiar with auto body repair. The repairs that were done were perfect and the paint match was also perfect. The staff and management at Big Sky made the repairs perfectly and on a timely basis. I would recommend them withour reservation.” -Fred M.

Selle Valley Construction (Ponderay, ID)

Selle Valley Construction just completed a kitchen remodel and and 800 sq. foot addition to our home and we are very pleased with the results as well as the workmanship and the professionalism displayed by the subcontractors that they used. We first met them at a Home Show in Sandpoint. My husband and I walked away from that first meeting feeling very confident in Scott and Barb and that feeling continued thru to the end of the project. They were open to suggestions and were very knowledgeable in areas where we didn't have a clue. We have and will continue to recommend them to anyone who ask us "who did the work on your house?" -Alan L.

Instant Tax Solutions (Post Falls, ID)

“In working with Instant Tax Solutions from the beginning to the end, all the interactions have been very professional. Shane was very respectful and very professional. During the whole process of dealing with my situation, I found Shane and his staff easy to work with and Shane was able to negotiate my tax liability to an amazing amount. I have no problem recommeding them because they were straight forward and they were able to make me feel comfortable to the point that they made dealing with the IRS comfortable. I can not Thank them enough.” –Gabriel R.

Repeat Offenders
The following companies had 5 or more complaints closed in the month of November:

Looking Forward... BBB Tip for January

BBB Business Advice for Tackling
Holiday Gift Returns

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

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

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

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

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

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

What’s Shakin’ with Your BBB?

Our holiday gift to you this December: Our shiny, new Accredited Business Directory page! It’s faster, simpler, and definitely more fun now to find a trustworthy business to work with.

We encourage you to go to www.spokane.bbb.org, choose ‘Find An Accredited Business’, and play around. Search for a service you need, and narrow down to your neighbohood. Make sure to look for coupons from the business!

The following companies were initially listed in October’s Naming Names, but addressed the complaints in question:

Quadra-Fire Hearth & Home Technologies (Colville, WA)
Aamco Transmissions, Inc. (Spokane, WA)
Outlaw Hotel (Kalispell, MT)

BBB is NOT sending this email!

11/23/2011

Posted on 11/23/2011 by

FOR IMMEDIATE RELEASE:

November 23, 2011 – Spokane, WA

Better Business Bureau is warning businesses to beware of a new malicious e-mail that pretends to be from BBB about a complaint filed against the company. Many businesses across the US have reported receiving a suspicious e-mail from the address alert@bbb.org or services@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 at www.bbb.org where the business can supposedly review the complaint.

If you are receiving this email, do not respond! This is a phishing scam using the name of the BBB. Do not click on the link that appears like a legitimate BBB website! It redirects you to caxehid.getfreehosting.co.uk. Please see a sample of the fraudulent email below:

From: alert@bbb.org [mailto:alert@bbb.org]
Sent: Wednesday, November 23, 2011 6:26 AM
To: --------------
Subject: Complaint # 22101311
Importance: High

The Better Business Bureau has received the above-referenced complaint from one of your customers regarding their dealings with you.
The details of the consumer's concern are included on the reverse.
Please review this matter and advise us of your position. As a neutral third party, the Better Business Bureau can help to resolve the matter. Often complaints are a result of misunderstandings a company wants to know about and correct. We encourage you to use our ONLINE COMPLAINT system to respond this complaint.

The following URL (website address) below will take you directly to this complaint and you will be able to enter your response directly on our website: http://www.bbb.org

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

Black Friday Shopping Tips from Your BBB

11/22/2011

Posted on 11/22/2011 by

Millions of shoppers are flooding stores on foot and online this Black Friday to find deals on gifts and services. But Grinch-like scammers will prey on your holiday cheer to take joy from all who are near. All deals are not created equal and the fine print is often the most important thing. Before you head out the door for a block buster and get caught up in the frenzy, the BBB offers the following tip sheet to help you save time and money.

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

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

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

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

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

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

Tip 6 – Comparative Shop Online.
There are dozens of Black Friday websites that claim to capture the best deals around and they can really help you do your comparative shopping online. Before you pick your favorite site, the BBB recommends that consumers find a reputable site that’s not a fly-by-night operation by checking them out at bbb.org and see what others say about the site through an online search.
If you decide to buy online there are a host of security measures to abide by, among them to Start with Trust and know you are dealing with an experienced, reputable retailer; confirm that the site is secure and be certain you have a phone number and physical address should problems arise with your order.

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

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

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

Tip 10 – Shop Safely.
While getting a deal is important, there are ways to shop safely without putting yourself or your wallet in jeopardy. The Better Business Bureau advises consumers to take their time and plan ahead for the best rewards.
• Make a list and prioritize where you should go and when.
• Bring friends into the mix to help sort through your options, two cars can go in two directions making it easier to get limited quantities and some pals will even wait in line as you trade off shopping in the stores.
• Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

Naming Names October 2011

11/8/2011

Posted on 11/8/2011 by

What is Naming Names about? Ethics and accountability. The Better Business Bureau seeks to advance marketplace trust by holding both BBB Accredited and non-accredited businesses accountable for their actions. Naming Names calls companies out by name for not upholding these standards.

Looking Forward... Tip of The Month for December Over the past three years in December, Electronic Equipment Dealers were in the top searches on www.bbb.org. This tells us that people are shopping for techie toys for the holidays. Here’s how to buy smart this holiday season: Research multiple stores’ sales pre-purchase. Flashy signs and major markdowns lead consumers astray when the price isn’t actually marked down at all. Compare prices from multiple stores before purchasing. Understand the return policy clearly. Some stores have a separate return policy for electronics. Check the details – do you need a valid government ID to return or exchange? Does the original packaging need to be intact? Are only exchanges allowed? Check the company’s rating with www.bbb.org. Find local electronics dealers and see their history including rating, complaint history, and customer reviews. Keep your cool on Black Friday. Enjoy the holiday season! Don’t get caught up in the hysteria of discounts. Take a deep breath and feel confident in your purchases.	Unanswered Complaints The following businesses have had at least one complaint close without a response in the month of October (broken down by region). Eastern Washington Ark Contracting LLC; Avenue; Batteries Plus (Spokane Valley); Cliff’s Garage; El Sabrosito; Excalibur Auto Group; Greenacres Motors, Inc.; Haven’s Sprinkler Service; Heavenly Printing; Home Custom Cabinets; Huber Real Estate; Lens Crafters (Northtown Mall); LLS America, LLC (aka Little Loan Shoppe, LLC); Metro Screen Printing; Parra’s Auto Sales; Ripley's Plumbing, Inc.; Scott’s Taxidermy; US Online(aka SuddenValues.com); The Battery Store & Auto Electric; Valley Veterinary Clinic; Wantz Construction; Washington Watersports, LLC North Idaho All American Homes, Inc.; Answering Specialists, Inc.; Green’s Cleaners; JD’s Marina; Lyman Dust Control, Inc.; Northwest Property Management; Suspender Hut; Tamarack Grocery Store; Your Administrative Solutions Montana Affordable Tree Service; B & B Overlays, LLC; Be Unique Photography; Bear Tooth Computers; Bella Baby Company; Blacktail Construction; C.J.’s Gourmet BBQ Sauce; Halo Heaven; DreamScapes, LLC; Elle’s belles, LLC; Global Net; Great White North Trading Company; LDS-ART.com; McCall Pools, Inc.; Montana Institute of Massage Therapy; New Creation Productions; Plain Green Loans; RadioActive; RCC Sprinkler, LLC; Sauter Construction; Sweet Grass Ranch; Town Pump (Three Forks location); Western States RV & Marine
Repeat Offenders The following businesses have had 5 or more complaints closed in the month of October: U.S. Magazine Services Time Warner Cable Plain Green Loans
Naming Names summarizes our region’s complaints for the previous month. Businesses that are called out have either failed to answer consumer complaints filed with the BBB, or they have received a high volume of complaints. We encourage ethical business standards and hold both accredited and non-accredited businesses accountable. If any Accredited Business does not comply with our standards, the BBB suspends Accreditation and sends their status to the Board of Directors for review. Corrections and clarifications to previous Naming Names are welcome. Please send any questions or comments to info@spokane.bbb.org.

Looking Forward... Tip of
The Month for December

Over the past three years in December, Electronic Equipment Dealers were in the top searches on www.bbb.org. This tells us that people are shopping for techie toys for the holidays. Here’s how to buy smart this holiday season:

Research multiple stores’ sales pre-purchase. Flashy signs and major markdowns lead consumers astray when the price isn’t actually marked down at all. Compare prices from multiple stores before purchasing.

Understand the return policy clearly. Some stores have a separate return policy for electronics. Check the details – do you need a valid government ID to return or exchange? Does the original packaging need to be intact? Are only exchanges allowed?

Check the company’s rating with www.bbb.org. Find local electronics dealers and see their history including rating, complaint history, and customer reviews.

Keep your cool on Black Friday. Enjoy the holiday season! Don’t get caught up in the hysteria of discounts. Take a deep breath and feel confident in your purchases.

Unanswered Complaints

The following businesses have had at least one complaint close without a response in the month of October (broken down by region).

Eastern Washington

Ark Contracting LLC; Avenue; Batteries Plus (Spokane Valley); Cliff’s Garage; El Sabrosito; Excalibur Auto Group; Greenacres Motors, Inc.; Haven’s Sprinkler Service; Heavenly Printing; Home Custom Cabinets; Huber Real Estate; Lens Crafters (Northtown Mall); LLS America, LLC (aka Little Loan Shoppe, LLC); Metro Screen Printing; Parra’s Auto Sales; Ripley's Plumbing, Inc.; Scott’s Taxidermy; US Online(aka SuddenValues.com); The Battery Store & Auto Electric; Valley Veterinary Clinic; Wantz Construction; Washington Watersports, LLC

North Idaho

All American Homes, Inc.; Answering Specialists, Inc.; Green’s Cleaners; JD’s Marina; Lyman Dust Control, Inc.; Northwest Property Management; Suspender Hut; Tamarack Grocery Store; Your Administrative Solutions

Montana

Affordable Tree Service; B & B Overlays, LLC; Be Unique Photography; Bear Tooth Computers; Bella Baby Company; Blacktail Construction; C.J.’s Gourmet BBQ Sauce; Halo Heaven; DreamScapes, LLC; Elle’s belles, LLC; Global Net; Great White North Trading Company; LDS-ART.com; McCall Pools, Inc.; Montana Institute of Massage Therapy; New Creation Productions; Plain Green Loans; RadioActive; RCC Sprinkler, LLC; Sauter Construction; Sweet Grass Ranch; Town Pump (Three Forks location); Western States RV & Marine

Repeat Offenders

The following businesses have had 5 or more complaints closed in the month of October:

No Test Drive? Then it is Probably Jive…

10/13/2011

Posted on 10/13/2011 by

A company advertising itself as “AUTO Bay” in Craig’s List and Auto Trader, soliciting consumers for internet automobile purchases is a scam. AUTO Bay can be found on the web at URL: http://autosbay.net/. The physical address is listed as “4200 S Cheney in Spokane.” The listed address is for Storage Solutions, a legitimate storage rental company. The BBB contacted Storage Solutions about the listing and they claimed no affiliation with “AUTO Bay.” They had also received several calls from people all over the United States seeking to purchase vehicles from the phony company.

The website was created on 7/13/2011 and belongs to a Richard Resavy, PO Box 61359 Sunnyvale, CA, 94088. The regional BBB, located in San Jose, reported 18 reports with this address with no name matches.

Before purchasing a car or making an Internet purchase, the BBB recommends these tips:

Check every business with BBB. Not only do you want to research the Web site with the BBB, you also want to research the business that is offering the deal. Look for the BBB Accredited Business seal on both Web sites and only go with businesses that have a good rating with BBB.

Do not offer credit card or bank information. Scammers are quick to offer outrageous deals in exchange for your financial information. Once they have money, chances are you will never receive your product or service!

Major purchases require a contract. No contract, no deal. Cars and homes are among the most expensive purchases an average person makes. Such purchases require contracts (and often financing) to protect both the buyer and the seller. Do not make a major purchase without a legally binding contract.

Avoid major purchases over the Internet. A major purchase is one you will live with for a long time. Treat your buying decision with this in mind. In the case of a vehicle, research the vehicle identification number (VIN), test drive the car or truck, and inquire into the repair history and odometer accuracy if it is a used vehicle. Researching these items requires more information than the Internet can possibly provide.

Require physical evidence of products and businesses. It is very easy to create a website with a phony business offering non-existent products. Verify the physical existence of businesses and products before making a purchase (especially a major purchase).

BBB Wise Giving Alert: October is Breast Cancer Awareness Month

10/6/2011

Posted on 10/6/2011 by

BBB Wise Giving Alert
October is Breast Cancer Awareness Month

Do Research, Give Wisely, Avoid Scams

October is National Breast Cancer Awareness Month and many national and local businesses and organizations are soliciting monetary donations, also marketing products and services to support a cure for breast cancer. To avoid being misled or even scammed, the BBB is encouraging consumers to look for companies that disclose a charity name, the amount of a sale going to the charity, the duration of marketing campaigns and, if applicable, the maximum or minimum contribution amount with the ultimate goal being that a significant portion or all of the purchase will end up in the intended charity's hands.

To ensure this will happen, potential donors need to ask the right questions when donating to any cause. BBB recommends the following:

*Research the charity with the BBB. If the product or service is in support of an unfamiliar charity, learn more about the organization by reviewing the BBB's charity report online. You can start your search of BBB Accredited Charities at bbb.org/charity.

*Identify the charity receiving the donation. If the product or service is linked to a donation percentage, contact the business or manufacturer to determine exactly where the money is going and what percentage is donated.

*Confirm the charity's corporate partners. Many national breast cancer charities list the names of corporate partners and sponsors on their websites.

*Be wary of online solicitations, especially in response to spam messages and emails that claim to link to an official organization. BBB experiences dictate that there will be scammers out to pose as legitimate organizations in order to purport a scam, especially by using Twitter or Facebook, where unknown links clicked can sometimes divert you to a fake site or floating page to lift your personal info. Give directly to an organization you have researched and know.

The National Breast Cancer Awareness Month organization says it does not solicit contributions and has not authorized the use of its name for solicitation purposes.

*Be wary of appeals that are long on emotion, but short on describing what the charity does.

*If you contribute, do not give cash. Use a credit card or check or money order made out to the name of the charitable organization, not to the individual collecting the donation.

*Watch out for excessive pressure for on-the-spot donations. Be wary of any requests to send a runner to pick up your donation.

*Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.

*Ask how much of your gift will be used for the activity mentioned in the appeal and how much will go toward other programs and administrative and fundraising costs.

BBB Advises Debit Card Users to be on the Lookout for New Fees

10/4/2011

Posted on 10/4/2011 by

BBB Advises Debit Card Users to be on the Lookout for New Fees

Better Business Bureau is alerting consumers that they may be seeing new fees on their bank statement for using their debit card.

Recent changes in banking laws capped the “swipe fee” that banks can charge retailers for debit transactions. The average fee was 44 cents per transaction, but the new law caps the fee at 21 cents. Banks estimate they will lose hundreds of millions of dollars a year in debit card transaction fees and are looking to recoup that money from customers by modifying various checking account fees.

Some of the nation’s largest financial institutions already have announced a flat monthly fee of $3-$5 for debit card use, although some may go to a per-transaction fee, particularly for infrequent users.

BBB is advising consumers and business owners to be on the alert for notices from their financial institutions about changes in the terms of their accounts. “If you don’t understand a notice you receive or see a new fee on your account statement that you weren’t expecting, contact your financial institution and ask for an explanation,” said Council of Better Business Bureaus spokesperson Katherine Hutt.

Account holders may want to ask their bank if there are programs to waive the fee for accounts with a minimum balance. It also pays to shop around; some financial institutions may keep no-fee debit cards.

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

Montana Businesses Still Being Targeted by Aggressive Labor Poster Cos

10/4/2011

Posted on 10/4/2011 by

Contact Casey Kyler-West, Communications Director
TELEPHONE: (406)444-1520
FAX: (406)444-1394
E-mail: ckylerwest@mt.gov

Montana Businesses Still Being Targeted by Aggressive Companies

(October 4, 2011--Helena) The Department of Labor and Industry is hearing from several small businesses that have been targeted by aggressive poster companies trying to sell Labor Law Posters.

“We are still getting reports from Montana businesses that these companies continue to send posters and demand payment, despite the fact that the business didn’t order them. These companies are even suggesting that by not purchasing the poster the business is breaking the law”, said Labor Commissioner Keith Kelly. “We want to remind businesses if you get something in the mail you didn’t order, you are not obligated in any way to pay for it. You can write did not order, return to sender on the envelope and send it back to the company.”

The Five in One posters, which are available at no cost from the Department’s Job Service Division, encompass Equal Employment Opportunity, Family and Medical Leave Act with Military Family Leave (employers with 50 or more employees), Federal Minimum Wage (Fair Labor Standards Act), and the Polygraph Protection Act. Federal regulations also require posting the Uniformed Services Employment and Reemployment Rights Act (USERRA). All posters are available at the Job Service offices.

Posters also required by Montana State Law include: Proof of Unemployment Insurance coverage (provided by the Department of Labor and Industry, Unemployment Insurance Contributions Bureau) and Proof of Workers’ Compensation coverage, provided by Workers’ Compensation Insurance carrier.

Businesses that have returned the posters and are still getting invoices from the poster company can contact the Better Business Bureau at 1-800-356-1007 or file a complaint online at www.bbb.org. They can also contact Montana’s Office of Consumer Protection at 1-800-481-6896 or e-mail contactocp@mt.gov.

Businesses who would like to request a copy of the Federal Five in One poster can call (406)-444-4100 or their local Job Service Office. For more information log onto http://wsd.dli.mt.gov/service/officelist.asp

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

10/4/2011

Posted on 10/4/2011 by

BBB Joins National Effort to Highlight Child Identity Theft Protection and Education

October 3, 2011--Child identity theft is a growing crime that is causing damage to the pristine credit reports of children. Hundreds of online businesses are finding inactive Social Security numbers online – most of which are assigned to children under the age of 18 who have not started using them yet. These scammers are then selling the numbers under different names to help people establish fake credit. Protecting your child’s innocent, clean record is something that every parent needs to do.

Recognizing the need for a nationwide grassroots consumer education outreach, the Council of Better Business Bureaus (CBBB) is joining government agencies and national advocacy organizations in launching the 4th annual National Protect Your Identity Week (PYIW) October 16 – 22, 2011. This event coincides with CBBB’s Secure Your ID Day to be held on October 22, 2011. During PYIW, BBBs will conduct identity theft protection events in communities across the nation. At the local events consumers can take advantage of educational workshops and the shredding of documents, all free of charge and open to the public.

Identity theft touched the lives of more than 8.1 million adult victims in 2010. According to a report from Javelin Strategy and Research, the theft resulted in the loss of $37 billion dollars. On top of that, children may be 51 times more likely than adults to have their identity stolen, according to a study conducted by AllClear ID.

“We are all at risk for identity theft, but our children are particularly vulnerable,” said Council of Better Business Bureaus spokesperson Katherine Hutt, whose own son was a victim of identify theft his first semester in college. “It’s our role as parents to understand how to protect our children, and to teach them how to safely manage their personal information.” She noted that BBB plans to continue helping communities guard against identity theft with more products, services and programs in the future.

Consumers can find PYIW educational events in their area by going to the website at www.ProtectYourIDNow.org . The site also features an interactive quiz to help consumers assess their risk of identity theft, videos, blogs and identity theft prevention tips. The website is also available in Spanish at www.cuidesuidentidad.org .

PYIW is hosted by the National Foundation of Credit Counseling, the National Association of Triads, Inc. and the National Sheriff’s Association. Other national organizations that lend their support to this initiative include: American Bankers Association Education Foundation, AFSA Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition, Junior Achievement USA, National Crime Prevention Council, National Education Association Member Benefits, Office of the Comptroller of the Currency, and U.S. Social Security Administration.

###

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Kelsey Owen, 703-247-9376.

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

Robocalls Offering Reductions on Credit Card Interest Rates Spoofing MT #s

10/4/2011

Posted on 10/4/2011 by

UNWANTED “REDUCE YOUR CREDIT CARD INTEREST” CALLS USING SPOOFED MT #s TARGET MONTANA

On September 28, 2011, BBB issued this warning about questionable robocalls targeting Yakima, WA residents regarding reducing your credit card interest rate.

As of this morning, similar calls are being reported to BBB by Billings, MT residents, and we are pretty confident that this group is targeting the whole state of Montana. BBB searched the number online and found that it went to a number of subjective blog posts that offer up questionable scenarios once a consumer actually gets to speak with a rep. Here is one such scenario posted:

Got a call today at 1:25 pm and the guy was also very pushy and adamant about his credibility. Asked for my expiration date and wanted my credit card number. I gave him the date but not the card number. He told me he would be able to tell me what is exactly on my statement IF I gave him the card number and THAT was how he was going to prove he was legitimate. When I said, "give me a moment to get the statement" he became very rude, aggressive and hostile and said, "Ma'am! I DO NOT NEED THE STATEMENT I HAVE THE STATEMENT I NEED THE CARD NUMBER." I asked him how would I know he was telling the truth if I didn't have the statement? I decided to do some research. They called me back 3 times after I initially hung up trying to get my credit card number. The numbers they called from are: 310-388-6861 and 406-931-3244.

BBB ADVICE

BBB offers the following additional advice for consumers who receive robocalls from companies offering to lower their interest rate:

*Never give personal information, including Social Security, bank or credit card numbers, over the phone to an unknown telemarketer. Always research the company first by reviewing its Reliability Report at www.bbb.org.

*When considering any company offering any type of financial assistance, insist on getting a contract in which all terms and conditions are clearly explained before signing up or providing credit card or other payment information.

*Consumers can place their home phone number on the federal Do Not Call list by visiting www.donotcall.gov It takes 30 days before your record is active but on day 31 you can report all robocalls and telemarketing calls where there is no EBR (established business relationship). However, even if you are not on the do not call list you can report any robocall number that targets you.

If the consumer’s number is already on the list but continues to receive telemarketing calls—or is receiving robocalls on a cell phone—he or she can report the incident to the FTC at the following page:
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

Another Past BBB Warning about Robocalls

http://central-westernma.bbb.org/article/robocalls-promise-to-lower-credit-card-interest-rate-11125

MT Dept of Labor and Industry Warns Unemployment Benefits Claimants of “Phishing” Scam

9/29/2011

Posted on 9/29/2011 by

MT Department of Labor and Industry Warns Unemployment Benefits Claimants of “Phishing” Scam

(Helena, MT) A new “Phishing” scam is targeting Montanans receiving unemployment benefits. “We have received tips that callers may be saying they are Unemployment Insurance staff and asking Montanans for confidential information. These calls are coming from outside Montana’s ‘406’ area code,” said Labor Commissioner, Keith Kelly.

Because the Department’s Unemployment Insurance customer service representatives do call customers and ask claim questions on a regular basis, it can be harder for claimants to determine whether or not the “Phishing” call is legitimate. Here are some ways that you can separate the legitimate calls from the phishers:

·All calls from Montana Unemployment Insurance Division will be from area code 406;

·You can verify with our main switchboard (406-444-3783) that a staff name left for a direct callback is one of our employees;

·If you are in doubt, tell the caller to give you the questions, and you will call back or respond in writing to our address;

·The Claimant Handbook has phone numbers, fax numbers, and the mailing address to submit information to our agency, inside the front cover. This Handbook is available online at uid.dli. mt.gov.

·Unemployment Insurance does not have a toll-free phone number for callbacks, so any 1-800 number given for your response is not legitimate. Any 1-800 number on your caller ID saying they are from UI, is not legit either.

All information collected by the Unemployment Insurance Division of the Department of Labor and Industry is secure and confidential. “Many times we do call about claims, but we want to be sure that you are responding only to the calls from our agency and not giving away confidential information such as Social Security number to scammers,” advised Roy Mulvaney, Unemployment Insurance administrator. “We have received two such reports in the past week.”

L and I MEDIA CONTACT:
Casey Kyler-West
Communications Director
Department of Labor & Industry
406-444-1520
ckylerwest@mt.gov

New Round of Phishing Attacks Using Fake “Authorize.net” Late Fee Warning Notices

9/28/2011

Posted on 9/28/2011 by

New Round of Phishing Attacks Using Fake “Authorize.net”

Late Fee Warning Notices

Subject: Authorize.Net Late Fee Warning Notice

Have you received a random notice in your INBOX from Authorize.net with the above subject line stating that you have accrued a late fee for not having paid a bill, but know nothing about this group or the bill?

Whatever you do, DO NOT click on any links embedded in this random email, and don’t share with others, for the links could take you somewhere you don’t want to go online!

What to do if you receive what you think is a fake authorize.net late fee notice? Read here for details:

https://support.authorize.net/authkb/index?page=content&id=A196&actp=LIST_RECENT

BBB ADVICE

For tips on these types of calls, including what red flags to watch for, go to: BBB.org

WELLS FARGO ROBO PHISHING CALLS REPORTED IN NORTH CENTRAL WA

9/28/2011

Posted on 9/28/2011 by

WELLS FARGO ROBO PHISHING CALLS REPORTED IN NORTH CENTRAL WA

It has also been brought to BBB”s attention that there are random WELLS FARGO robocalls being made to people in the North Central WA area using spoofed 509#s stating that “your debit card has been compromised,” OR that “you have had fraudulent activity occur to your Wells Fargo debit card…” People are posting online and also state to BBB that they do not bank at Wells Fargo. Sample posts here: http://whocallsme.com/Phone-Number.aspx/8665405355

RECENT ID AG ALERT ON WELLS FARGO SCAM

http://spokane.bbb.org/article/id-ag-warns-surge-in-phishing-scams-reported-29083

UNWANTED “REDUCE YOUR CREDIT CARD INTEREST” CALLS USING LAS VEGAS, NV #702-318-1523 TARGET YAKIMA

9/28/2011

Posted on 9/28/2011 by

UNWANTED “REDUCE YOUR CREDIT CARD INTEREST” CALLS USING LAS VEGAS, NV #702-318-1523 TARGET YAKIMA

On September 28^th, it was reported to BBB that the above 702# is being used to make random calls to people, in this case, residents of Yakima, pitching reductions in credit card interest rates.

BBB searched the number online as well as at BBB.org and was unable to come up with a review or official web site for the company itself. The search, however, did bring up a variety of subjective “Who Called Me?” blogs that state that others nationwide are getting calls from this group offering to reduce your credit card rate, including this one: http://whocallsme.com/Phone-Number.aspx/7023181523

Our Yakima consumer reported to BBB’s Scam Source that she received a call from this number, and was very wary of the pitch. Here is her scenario:

I was just called regarding "an important message relating to your credit cards due to the new Federal guidelines." I pressed #1 as instructed to find out what it was about--since I have no credit cards. As soon as I asked, the male that answered hung up. I did *69 and got this number-702-318-1523. I tried to call back and someone tried to say hello & I was cut off with a recorded message that this person was not taking calls at this time. I called again using the number and was told by a recording that my call could not be answered at this time.

BBB TIPS

BBB offers the following additional advice for consumers who receive robocalls from companies offering to lower their interest rate:

Past BBB Warning about Robocalls

http://central-westernma.bbb.org/article/robocalls-promise-to-lower-credit-card-interest-rate-11125

BBB and L and I Paver Alert: E. C. Paving Works Area, Not Properly Licensed and Bonded

9/27/2011

Posted on 9/27/2011 by

BBB, WA Labor and Industries and Spokane Sheriff Warn about EC Asphalt aka E.C. Paving

9/22/2011

Posted on 9/22/2011 by

Spokane Neighborhood Watch Member Reports Paving Scam Activity: E.C. Paving

Company not properly registered in the state as contractor

BBB wishes to relay a warning that was put out by the Spokane Sheriff’s Department “Neighborhood Watch” about a supposed asphalt company called EC Paving. Below is a scenario that has further details. BBB was able to confirm with L and I that they are not operating legally in the state. Info stated on business cards for this group:

Info on business cards is:

509-315-6657
425-689-7705
855-we-pav-it

Company is driving a 2000 Ford van, white, with a ladder rack on the top.

Last night (9/21) a young, white, male probably 5'11'' around 180 (lbs) came to our house (the Willow Springs area), and offered to asphalt our driveway around 5:20 pm. He indicated he was from EC Asphalt off of Monroe and had been doing work off Argonne and Bigelow Rd. and had extra and would give us a great deal. I told him that it was a long ways to come from just to try to dump extra asphalt. He made his pitch, I declined. He then drove up the road. I followed and he pulled over to let me go past him.

He was driving a 2011 White Chevy Silverado truck. Alaska License plate GDY-832. I called it into crime check. EC Asphalt doesn't exist. He didn't know how to pronounce Bigelow or Argonne, so that kind of tipped me off.

BBB ADVICE

If you have an unresolved issue concerning this group or another contractor, we urge you to report it ASAP to the WA State Dept. of Labor and Industries ASAP at: http://www.lni.wa.gov/TradesLicensing/Contractors/ContractorFraud/Report/

L and I states that it really helps them if one can provide such things as car/truck make and model, business cards or printed materials that are obtained, etc. to help them with their investigation.

SEC Takes Action Against Little Loan Shoppe of Spokane

9/22/2011

Posted on 9/22/2011 by

SEC Takes Action Against Little Loan Shoppe of Spokane

The Spokesman Review today reported that the Securities and Exchange Commission charged the owner of a Spokane-based payday loan business well-known to BBB, Little Loan Shoppe, with conducting a massive Ponzi scheme and stealing investor money to fund her home improvement projects, gambling jaunts to Las Vegas, and purchases of a Corvette and a Mercedes.

The BBB has been reporting on complaint activity regarding Little Loan Shoppe’s payday loan business for some time, hoping to inform consumers of a pattern of issues, specifically, customer complaints reflect that upon accepting a payday loan from this group, their bank accounts receive debits on dates that are not agreed upon and for amounts not agreed upon. Other complaints reflect the amount of interest and fees exceed what the consumer expected to have to pay.

Other complaints reflect funds are debited from their accounts after they have already paid the debt in full. Several complainants state that Little Loan Shoppe America is not licensed in the state the consumer lives in and therefore is not authorized to lend to customers within their state. Also, they allege that while Little Loan Shoppe America is required to transact within the regulations of the state the borrower lives in, this company is charging interest and fees above and beyond what is allowed for their state.

FULL BBB REVIEW HERE

http://www.bbb.org/spokane/business-reviews/loans/lls-america-llc-in-spokane-wa-15001578/

Bozeman Police and BBB Warn About IRS Scam

9/22/2011

Posted on 9/22/2011 by

Bozeman Police and BBB Warn About IRS Scam

The Bozeman Police Department is warning people about a scam that makes people believe they owe the IRS money. Police officials say the paperwork is sent on IRS letterhead and very official looking form. The letter asks for personal information such as your name, date of birth, bank account numbers, and a copy of your passport, things the IRS does not usually ask for in writing. The letter also states to correspond only via email, a huge red flag.

BBB ADVICE

The IRS and BBB warns people to be wary of a number of IRS-related scams, including:

Fictitious claims for refunds or rebates based on excess or withheld Social Security benefits.

Claims that Treasury Form 1080 can be used to transfer funds from the Social Security Administration to the IRS enabling a payout from the IRS.

Unfamiliar for-profit tax services teaming with local churches.

Homemade fliers and brochures implying that credits or refunds are available without proof of eligibility.

Offers of free money with no documentation required.

Promises of refunds for "Low Income -- No Documents Tax Returns."

Claims for the expired Economic Recovery Credit Program or for the Recovery Rebate Credit.

Advice on claiming the Earned Income Tax Credit based on exaggerated reports of self-employment income.

E-mail scams are often sophisticated and hard to detect. Red flags include requests for detailed personal and financial information, including information the IRS should already have, such as your Social Security number; threats of consequences for not responding to the notification; and incorrect grammar or odd phrasing.

Remember, if the IRS needs information, it will generally send a letter. Don't respond to unsolicited e-mails or other communications asking for confidential information and don't click on attachments or links that may cause malware to be downloaded to your computer.

Anyone with questions about a tax credit or program should visit IRS.gov, call the IRS toll-free number at (800) 829-1040 or visit a local IRS Taxpayer Assistance Center. And for other than phishing schemes, you may report the fraudulent misuse of the IRS name, logo, forms or other IRS property by calling the TIGTA toll-free hotline at 1-800-366-4484 or visiting the TIGTA Web site.

WA State Insurance Commission: How to Appeal when your Health Insurer says No

9/21/2011

Posted on 9/21/2011 by

BBB passes on pertinent info to Washington Residents from the WA State Insurance Commissioner's Office about Healthcare Coverage and Appealing Denials of Coverage

WA State Insurance Commission:
How to Appeal when your Health Insurer says No

OLYMPIA, WA-- The WA state insurance commissioner’s office has updated its online guide showing consumers how to file an appeal when a health insurer denies a claim or medical procedure.

The free guide, revised to reflect recent regulations, includes tips and sample letters. It can be found online at www.insurance.wa.gov/appeal.

“Many people believe that an insurer’s denial is the final word. Consumers don’t know that they have the right to appeal that decision,” said Insurance Commissioner Mike Kreidler. “And when people do appeal, they often win.”

Under the federal Affordable Care Act, the guide was funded by a consumer assistance grant from the U.S. Department of Health and Human Services.

Kelley Blue Book Warns of Fraudulent Online Car-Buying Scams Masquerading as kbb.com

9/21/2011

Posted on 9/21/2011 by

Attn: Car Buyers and Car Sellers

Your Regional BBB wishes to Share this Alert from Kelley Blue Book

Beware of Fake kbb.com Web Site

IRVINE, Calif., Sept. 21, 2011 /PRNewswire via COMTEX/ -- Kelley Blue Book www.kbb.com the leading provider of new car and used car information warns online car buyers of a scam using a fake Kelley Blue Book website. The scams look to solicit funds from buyers via an escrow-based, guaranteed buyer-protection program, which Kelley Blue Book does not offer.

Kelley Blue Book has received a small but increasing number of inquiries over the last few months regarding the protection program. The FBI claims that every 90 minutes a complaint is filed and an auto shopper loses $1,000 every hour due to fraudulent websites and phony vehicle listings.

Kelley Blue Book warns that any escrow-based consumer-to-consumer service or Buyer & Seller Protection Program offered under its name is a scam. Car shoppers should be aware that imitation websites have a similar look-and-feel to the actual kbb.com and they should be cognizant of the domain name (URL) and email address (view the actual address, not the display name) provided by the seller. Car shoppers that encounter this type of offer from online sellers are strongly urged to report the seller to the Internet Crime Complaint Center at www.ic3.gov

How the Scam Often Works:

Typically, a seller will list a car that they do not own on a reputable vehicle listings website. Emails from the seller often provide a story about a quick divorce or military deployment that requires fast liquidation of the vehicle at a low price and the inability to execute the sale in person.

The next phase of the scam includes the seller moving the transaction to a fraudulent website other than where the car was listed, making it easier to conduct a crime. The alternate site may include guarantees that are backed by reputable companies, promises for the return of funds should a vehicle not be delivered, and may look similar to Kelley Blue Book's kbb.com website by using logos and similar fonts and colors. The majority of these sites are often poorly written with multiple spelling errors.

The seller then instructs the potential buyer to wire a partial or full payment to a third-party, such as Kelley Blue Book and fax the seller proof of payment. By the time the buyer realizes what has happened, the money and the seller are long gone.

"Recently, criminals have added sophisticated technology to their scam by adding 800 numbers and offering live chat with potential buyers in an effort to ease their concerns about online car buying and detailed information on the fraudulent buyer protection programs," said Shayne Brown, associate general counsel, Kelley Blue Book. "Kelley Blue Book is working diligently to have these sites removed from the Internet, but in the mean time, car shoppers should know that any type of online consumer escrow service backed by our company is a scam."

For tips on how to protect yourself from phony online car-buying scams or fraudulent buyer protection programs, visit the FBI at: http://www.fbi.gov/news/stories/2011/august/car_081511/car_081511

For more information and news from Kelley Blue Book's kbb.com, visit www.kbb.com/media/ Follow us on Twitter at www.twitter.com/kelleybluebook (or @kelleybluebook), or like our page on Facebook at www.facebook.com/kbb

About Kelley Blue Book ( www.kbb.com )

Founded in 1926, Kelley Blue Book, The Trusted Resource®, is the only vehicle valuation and information source trusted and relied upon by both consumers and the industry. Each week the company provides the most market-reflective values in the industry on its top-rated website www.kbb.com , including its famous Blue Book® Trade-In and Retail Values and Fair Purchase Price, which reports what others are paying for new cars this week. The company also provides vehicle pricing and values through various products and services available to car dealers, auto manufacturers, finance and insurance companies as well as governmental agencies. Kbb.com provides consumer pricing and information on minivans, pickup-trucks, cars, hybrids and SUVs. Kelley Blue Book Co. Inc. is a wholly owned subsidiary of AutoTrader.com.

Scam Using Spoofed City #s Targets Spokane Area

9/19/2011

Posted on 9/19/2011 by

A person, or persons, is attempting to glean personal bank account information from victims by calling from what appears to be an official city phone number, a City of Spokane new release said.

Caller ID information has been modified to appear as though the call is coming from the city, the news release said. Many city numbers have a 625 prefix.

No one at the City of Spokane would call a resident to request bank account information, the news release said. Police also reminded the public to never give out such personal information unless they are certain who they are dealing with.

Anyone who receives this type of call and has compromised personal information should report it to Crime Check at (509) 456-2233. If you ever receive a suspicious call and want to confirm or verify that it is legitimate, contact BBB at: www.bbb.org or call 509-455-4200 or 800-356-1007.

MT AG Releases 4th Annual Report on Charitable Purposes of Montana’s Hospitals

9/15/2011

Posted on 9/15/2011 by

MT AG Releases 4th Annual Report on Charitable Purposes of Montana’s Hospitals

September 15, 2011, HELENA – Attorney General Steve Bullock today released the fourth annual report on the charitable performance of Montana's nonprofit hospitals. The report examines the 10 largest hospitals in the state and, for the second year, the 12 smaller, critical access facilities.

The report, titled Montana's Hospitals: Issues and facts related to the charitable purposes of our hospitals and the protection of Montana's consumers, is available online along with a cover letter from Attorney General Bullock (pasted below).

Nonprofit hospitals in Montana are granted tax exempt status, a standing that saves them tens of millions of dollars a year. With this valuable status comes an obligation to provide benefits to the communities they serve.

As the reports says, “In light of the high cost of medical care and the recent economic recession, the importance of charity care for a community has perhaps never been greater.”

The Montana Department of Justice oversees nonprofit corporations in the state. This report is the fourth annual assessment of the charitable achievements of hospitals in Montana.

In September 2006, the Attorney General's Office began surveying pricing policies, including variations related to insurance coverage; charity care policies and practices; and debt collection practices.

#

Letter from MT Attorney General

September 2011

My office, in cooperation with the School of Public and Community Health Sciences at The University of Montana, is pleased to make the fourth annual Montana’s Hospitals report available to consumers throughout the state. Again this year, I would like to express my thanks to Larry White and his team for pulling together and analyzing the statistical data.

The report is an annual assessment of the charitable purposes of the 10 largest nonprofit hospitals and foundations in our state. For the second year, the report also includes information about 12 smaller, critical access hospitals in Montana.

All of these 22 nonprofit hospitals are public benefit corporations under Montana law. They exist to serve their communities, not to make a profit. Because of this, they have been given tax exempt status – a status that saves them tens of millions of dollars annually. These hospitals have a duty to provide community benefits to the areas they serve. Charity care – free or discounted services to those with demonstrated financial need – is the most significant community benefit nonprofit hospitals provide. It is in the interest of all hospitals and the communities they serve to ensure that all qualified patients are provided charity care rather than face collection actions on debts they cannot afford to repay, and which the hospital will likely end up writing off as bad debt.

As this fourth report shows, charity care continues to increase in Montana, although it still varies widely across hospitals. The large hospitals have increased charity care significantly over the past four years, from a median 1.57% of their budgets in 2006 to 2.79% of their budgets in 2009. Table 4 and Graph 2. As was pointed out last year, Montana’s small hospitals continue to show a lower level of charity care overall, although there was an increase from 1.32% of their budgets in 2008 to 1.59% in 2009. Table 4.

While the trend of increasing percentages of overall budgets dedicated to charity care is encouraging, there appears to be room for continued improvement. Montana’s nonprofit hospitals sent accounts totaling more than $122 million to collection in 2009. Appendix 5. While the hospitals properly need to pursue collection efforts in appropriate cases, it is highly likely that many patients whose accounts were turned over to collection could have qualified for charity care at the outset.

Charity care is one of several categories of “community benefits” upon which hospitals’ nonprofit status is justified for purposes of receiving tax exemptions. When all community benefit categories are considered, with only one exception, Montana’s nonprofit hospitals provide benefits that substantially exceed the value of the tax exemptions they receive. Table 7a and Appendix 4. Even when considering charity care costs alone, 8 of the 10 large hospitals and 7 of the 12 small hospitals provide benefits that exceed the value of their tax exemptions. Table 7b.

As I pointed out last year, and as this report shows, traditional charity care now amounts to only a fraction of a hospital’s total “community benefits.” Appendix 3. Hospitals should ensure that less specific community benefits are not displacing direct charity care, and that those expenditures classified as “community benefits” are wanted or needed in a particular community.

One category of community benefits that warrants specific attention is subsidized services. Seven of the 10 large hospitals spend more on charity care than on subsidized health services. In contrast, three of the large hospitals spend millions more on subsidized health services than they do on charity care. These health services include the acquisition and financial support of medical practices that otherwise would exist in the communities and, therefore, may not properly be considered a “community benefit” according to applicable criteria. Appendix 1 (Community Benefit Definitions). This may be indicative of changes in the health care delivery system that are not unique to Montana. Nevertheless, it has implications with respect to whether the hospitals are truly operating as nonprofit entities.

Our nonprofit hospitals are invaluable assets in our communities. They face significant challenges in these difficult economic times, and the services they provide are deserving of recognition and appreciation.

The Attorney General is responsible both for monitoring nonprofit corporations and for protecting the interests of those served by a nonprofit corporation. Thus, it is the responsibility of my office to ensure that they continue to perform the charitable purposes for which they were formed.

We hope this series of reports will help consumers, community members, hospital administrators, board members, and other stakeholders gain a greater understanding of how our hospitals are performing their charitable purposes.

Most sincerely,
Steve Bullock, Attorney General

MEDIA CONTACT: Judy Beck, 444-5774 or Jennifer McKee, 444-2031 for a copy of the full report and to gain soundbites or interview

Dry Tech Systems Sending Random Mailings to Area

9/15/2011

Posted on 9/15/2011 by

Dry Tech Systems Sending Random Mailings to Area
Company has F rating with BBB

As of September 15, 2011, BBB is receiving inquiries regarding a mailing being sent by this company to our service area consumers offering a business opportunity in the carpet cleaning industry.

While the BBB review for this company states that there is a one-time start-up fee of $2,750, the mailing being sent to this area talks about providing a business opportunity where one can obtain a “finder’s fee” for doing work for the company. In the case of the current mailing to our area, the company is asking $149 for an “instruction booklet.” The business plan is purportedly offered with a "no-risk money-back guarantee," touting earnings claims of $500 a day.

Complainants allege misrepresentation concerning projected income claims. People complain they are unable to generate anywhere near the amount of income claim in the company's advertising.

Other customers complain the company fails to honor their money back guarantee, or that guarantees are deceptively worded or are not clearly disclosed at the time of purchase. A few customers complain the company failed to ship ordered supplies, or the company fails to return calls or email messages when attempting to contact them.

Most complainants request refunds. The company responds to some complaints by denying responsibility for the customer, claiming they are unable to locate the customer in their database. In other cases, the company advises complainants they are not eligible for refunds due to the timeframes outlined in their agreements. In a few cases the company issued refunds or partial refunds.

BBB review here:
http://www.la.bbb.org/business-reviews/Miscellaneous-Business-Opportunities/Drytech-Systems-in-Northridge-CA-13180517

If you have an unresolved issue concerning this company we advise you to file a complaint with BBB at: www.bbb.org

FTC Action Halts Tactics of Payday Lender Martin Webb aka Payday Financial, LLC of SD

9/15/2011

Posted on 9/15/2011 by

FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers’ Paychecks

After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers’ wages has agreed to stop the challenged conduct pending trial.

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that Payday Financial, LLC, doing business as Lakota Cash and Big Sky Cash, along with other defendants, illegally attempted to garnish consumers’ wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers’ supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges.

According to the FTC, defendant Martin A. Webb operates Payday Financial, LLC, and several related businesses in Timber Lake, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of $300 to $2,525 to consumers throughout the country, advertising on television and through websites such as www.bigskycash.com and www.westernsky.com

The FTC complaint alleges that when a consumer does not pay back a payday loan on time, the defendants send documents to his or her employer that mimic those used by federal agencies collecting debts owed to the government in an attempt to garnish the consumer’s wages. Under federal law, the government can directly require employers to garnish wages for debts it is owed without a court order. But private creditors must obtain a court order before garnishing a debtor’s wages. The complaint charges the defendants with violating the FTC Act by:

· misrepresenting to employers that the defendants are legally authorized to garnish an employee’s wages, without first obtaining a court order;

· falsely representing to employers that the defendants have notified consumers about the pending garnishment and have given them an opportunity to dispute the debt; and

· unfairly disclosing the existence and the amounts of consumers’ supposed debts to employers and co-workers without the consumers’ knowledge or consent.

The complaint further alleges that the defendants have violated the FTC’s Credit Practices Rule by requiring consumers taking out payday loans to consent to have wages taken directly out of their paychecks in the event of a default, and have violated the Electronic Funds Transfer Act and Regulation E by requiring authorization for electronic payments from their bank account as a condition of obtaining payday loans.

The Commission vote authorizing the staff to file the complaint was 5-0. The FTC filed the complaint and a request for preliminary relief in the U.S. District Court for the District of South Dakota, Central Division on September 6, 2011. The complaint names as defendants Payday Financial, LLC, Great Sky Finance, LLC, Western Sky Financial, LLC, Red Stone Financial, LLC, Financial Solutions, LLC, Management Systems, LLC, 24-7 Cash Direct, LLC, Red River Ventures, LLC, High Country Ventures, LLC, and Martin Webb. On September 7, 2011, the parties agreed to a stipulated preliminary injunction to immediately halt the alleged unlawful conduct, and the court accepted and entered the stipulated preliminary injunction. The FTC would like to acknowledge the assistance of the South Dakota U.S. Attorney’s Office.

Timeshare Owners: Beware of “City Resorts”

9/14/2011

Posted on 9/14/2011 by

Timeshare Owners Warning

CITY RESORTS OF NV Not Responsive to BBB Complaints

Nationwide, BBBs processed 2,804 complaints on timeshare resale services in 2010

September 15, 2011 – The Better Business Bureau is warning timeshare owners who are trying to sell or rent their timeshares to beware of Las Vegas based company, City Resorts.

City Resorts has been the subject of 23 complaints from around the country since March 2011 and holds an F rating with the BBB for failing to respond to complaints.

Complainants allege that City Resorts contacts consumers stating they’ve found a buyer for their timeshare. Complainants are then told to send a cashier’s check between $2,000-$6,000 for closing costs or processing fees. Complainants report that no buyers or renters emerged, and customers were unable to get responses to calls or their money back.

“After City Resorts got my money, I never heard from them again,” bemoaned a consumer from Massachusetts who lost $2,000. “They completely fooled me into believing I had a buyer for my timeshare.”

BBB representatives confirm that the phone number, website, and email have been disconnected and the current address is a mail-drop. Nationwide, BBBs processed 2,804 complaints on timeshare resale services in 2010.

Best advice? States Katie Robison of Vegas BBB, "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. Too often, the services don’t deliver and customers can’t get refunds."

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 http://www.bbb.org/ BBB Business Reviews include basic information, complaint overview, and BBB ratings from A+ to F, along with the reasons for the rating.

· Confirm location and licensing –Confirm where the company is located and in what states it does business. Ask if the company's salespeople are licensed to sell real estate where your timeshare is located and verify this with the state licensing board.

· Get the facts on the figures – Find out if the business charges a commission. Do they handle the entire closing and provide escrow services? Do they charge an up-front listing or advertising fee? What does it cover and is it refundable?

· Be wary of upfront fees –Consider opting for a company that offers to sell for a fee only after the timeshare is sold.

· Don’t fall for the hard sell or an offer that sounds too good to be true – Don’t agree to anything over the phone but instead ask the salesperson to send you written materials; take the time to think it over and don’t be pressured.

For more consumer tips or to check out a business or file a complaint with BBB, start at http://www.bbb.org

BBB REVIEWS ON CITY RESORTS

Vegas Review:
http://www.bbb.org/southern-nevada/business-reviews/timeshare-resale-and-rental-marketing/city-resorts-in-las-vegas-nv-90005747

Orlando Review:
http://www.bbb.org/central-florida/business-reviews/timeshare-resale-and-rental-marketing/red-solutions-in-orlando-fl-205146772

Latest Secret Shopper Scam Affects Good Names of the Downtown Hilton and National Tube Form of Fort Wayne, IN

9/14/2011

Posted on 9/14/2011 by

Thanks to the Fort Wayne, IN BBB for Sharing this Warning

CONTACTS:

Michael Coil, President/CEO
Marjorie Stephens, Communications Director
(260) 423-4433

BBB Serving Northern Indiana has been made aware of a scam that is directly affecting two local companies: The Hilton Downtown and National Tube Form located on Engle Road in Fort Wayne, IN. The scam is generating calls and concerns from various parts of the U.S.

Consumers across the country are receiving a letter congratulating them for having been chosen to do a survey as a Secret Shopper. A check in various amounts ranging from $1,900 to $7,000 is enclosed from National Tube Form, located in Fort Wayne, asking the receiver to keep part of the money, spend some money "secret shopping" at JC Penney and other stores, and then to send $1,500 or more of that check back to the perpetrator of this scam through Western Union. Hilton Downtown's address is being used as a return address. So far, Hilton has received 50 of these letters returned to them. National Tube is rejecting all of these checks as fraudulent.

"The severity of this scam is far-reaching," said Michael Coil, President/CEO of BBB of Northern Indiana. "Your BBB will be proactive in sending an alert to BBB offices across the country and in Canada so this can, hopefully, be averted immediately."

BBB and FTC ADVICE

The BBB in partnership with the FTC, offer these tips on mystery shopping offers:

http://www.bbb.org/us/article/ftc--the-secrets-of-mystery-shopping-revealed-4870

R&R Taylor Construction of Bozeman, MT Business Cell Phone Gets Spoofed by Scammers

9/7/2011

Posted on 9/7/2011 by

R&R Taylor Construction of Bozeman, MT's Business Cell Phone Gets Spoofed by Scammers

Company getting angry calls from consumers thinking it’s them doing the scamming. NOT!

On September 7, 2011, it was brought to BBB's attention that one of R&R Taylor’s company cell phones for business is being spoofed and used by scammers to attempt to get people to part with their money.

The company has relayed to BBB that it is getting calls from people out of state who are very upset and even threatening to sue because they believe that the company is behind the scam calls they’ve received.

The company is in no way affiliated with these calls, and is the victim of a scam.

BBB CONSUMER ADVICE

We urge people to not contact the company thinking they are behind any questionable conversations that have taken place requiring payment via the number: 406-209-2301. Feel free to contact BBB to confirm this info.

Scammers have spoofed this number and are using it to purport scams against people randomly in the United States. Caller ID displays the number correctly, but with spoofed numbers, you can't tell what is real and not.

BBB urges anyone who has fallen for this scam via this number to not call and threaten the company, but to be pro-active and file a police report ASAP as well, file a formal complaint with the FBI at: www.ic3.gov

BBB BUSINESS ADVICE

If you find yourself as a business in this predicament, BBB urges you to:

*File a police report ASAP. If you receive calls from people who don’t believe that they are being scammed, you can use a copy of your police report to prove to people that you are not kidding.

*Contact your phone company for directives and advice. Consider relinquishing the cell phone # all together.

*Contact your local chamber and BBB, and relay the issues. Utilize them as a confirmation tool regarding any callers who believe you are not telling them the truth. Send those callers to the chamber and/or BBB for confirmation of the situation. We’ll explain it to them.

*If you have a web site, use it as a communication tool to relay the situation as a posted alert. Do not forget to leave a message on your company’s voicemail for after-hour callers explaining the situation.

*Get with media ASAP and share your story---If people are looking your company up, they will see the story or whatnot posted online…proving that the company is a victim, too.

*Ask your local BBB to post something to its NEWS CENTER and to add custom text to your company review about the scam to warn others.

Do Your Research Before Driving into Auto Repair Nightmares

9/6/2011

Posted on 9/6/2011 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.

BBB recommends the following tips to consider before turning over your car to an auto repair service:

Get a least three referrals. If you are looking for a qualified mechanic, ask friends, family and co-workers for recommendations. Be sure to check the business with www.bbb.org to see if there have been any complaints filed against the business. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you need to find a shop employing a specialist.

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

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

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

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

MT AG Warns Renters: Wire Scam Targeting For-Rent Ads on Craigslist in Montana

9/5/2011

Posted on 9/5/2011 by

HELENA – Attorney General Steve Bullock and his Office of Consumer Protection are alerting renters and property owners to watch out for scam home-rental ads running on Craigslist in Montana.

“Craigslist this week pulled one of these scam ads,” Bullock said Friday, “but Montanans have enough to worry about without wondering if the house they want to rent is really part of an on-line fraud.”

Complaints have come to the state from various Montana locations, as well as from the Billings Police Department, which has also fielded several calls on the scam.

The scam works like this:

· A scammer copies a photo of a local house currently for sale.

· The scammer posts that photo on Craigslist in a fictitious “for rent” ad.

· Callers are told the house was for sale, but didn’t sell and now the owner is going to rent it.

· Callers are told the owner is out of town, but they can wire first and last month’s rent, along with a security deposit.

· All money wired away is lost; there is no house for rent.

· The scammer usually corresponds from a gmail address because gmail traces back to the Google headquarters in California, not to the account user’s IP address.

Det. Brett Lapham, of the Billings Police Department, has seen the fraud first-hand. He reminds people to never wire money to anyone they don’t know. Rather than relying on a Craigslist ad that is almost impossible to verify, the detective advises anyone looking for a rental to contact a local realtor or property management company.

Lapham also warns renters that filling out application forms that request Social Security numbers, banking information and other personal information for a scam rental could open them to identity theft. He urges people to read the warnings posted on the sites on which they are doing business. Craigslist has posted warnings of this scam.

At least one Montana home-owner has been victim of the fraud from the opposite end: an image of his home, which is currently on the market, has appeared against his will in a rent wire-scam. After the man contacted Craigslist, it took about a week for the site to pull the ad.

“The important message is that renters should be very careful about transferring money in response to on-line rental ads,” Bullock said. “Know who you are dealing with before you transfer money.”

Renters who have fallen for this scam and provided their personal identifying information should contact the Montana Office of Consumer Protection at 1-800-481-6896 or (406) 444-4500, www.consumerprotection.mt.gov, for information on the steps they can take to protect themselves, including putting a security freeze on their accounts.

FTC Warns of Fake Emails Sent to Businesses Claiming Your Business Has Complaints

9/1/2011

Posted on 9/1/2011 by

Scammers Target Businesses with Fake FTC Email Claiming You Have Complaints

September 1, 2011 - 3:05pm--That email claiming to be from the FTC saying your business has complaints against it? It’s not from us. It’s a malicious hoax that may install malware on your computer if you click on it.

What should you do?

Delete it. Don’t open it. Don’t click the links.

But there is a link you can click safely. It’s OnGuardOnline.gov, the federal government’s website to help you and your business stay secure online. Find out more about how to protect your system from malware and steps to take if you think your computer is infected.

FTC Warns of Fake Emails Sent to Businesses Claiming Your Business Has Complaints

9/1/2011

Posted on 9/1/2011 by

Scammers Target Businesses with Fake FTC Email Claiming You Have Complaints

What should you do?

Delete it. Don’t open it. Don’t click the links.

BBB Advice for Securing Your Electronics this School Year

9/1/2011

Posted on 9/1/2011 by

BBB Advice for Securing Your Electronics this School Year

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

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

“Be vigilant when it comes to securing your electronics,” said Elea Katzele, Vice-President, BBB EWA, NID and MT. “They are a huge investment, as well as a huge gateway to your personal, sensitive info. They shouldn’t be treated any differently than carrying around a wad of cash.”

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

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

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

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

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

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

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

September is Preparedness Month

8/30/2011

Posted on 8/30/2011 by

BUSINESSES, DO YOU HAVE A PLAN?
SEPTEMBER IS NATIONAL PREPAREDNESS MONTH

THEME THIS YEAR, “A TIME TO REMEMBER, A TIME TO PREPARE” COMMEMORATES 10th Anniversary of 9/11

For the seventh consecutive year, Agility is partnering with the Federal Emergency Management Agency (FEMA), the Ready Campaign, and Citizen Corps for National Preparedness Month, a nationwide effort designed to encourage Americans to take simple steps to prepare for emergencies in their homes, workplace and communities.

In an effort to educate all businesses about the importance of continuity planning, Agility is offering free educational webinars, tools and resources throughout the month of September. Details here: http://tinyurl.com/3n7xdjz

For additional information and resources, or to learn about other National Preparedness Month events, visit www.ready.gov.

BBB Warns: Issues Arise When Issues Don't Arrive

8/30/2011

Posted on 8/30/2011 by

After initially alerting consumers about Eksentrik Clearing Services LLC in June 2011, Better Business Bureau is reminding Washingtonians to beware of the door-to-door magazine seller.

"BBB is noticing a complaint pattern in Western Washington; we want to ensure that our communities stay informed," remarked Robert W.G. Andrew, CEO of BBB serving Alaska, Oregon and Western Washington.

Complainants allege that checks were cashed, yet magazine subscriptions never arrived.

Also going by Future Inspirator Training Club Inc., this Portland-based magazine sales company has accumulated 29 complaints in the past 12 months; 26 of which remain unanswered. There were only 16 complaints on June 13, the date of BBB's initial press release: Don't Subscribe to High Pressure Magazine Sales.

For tips on door-to-door sales and BBB Business Reviews on sellers, visit bbb.org.

3 on the Radar: Fake Collection Calls, Phishing Scams and Fake Traffic Ticket Invoices via Email

8/30/2011

Posted on 8/30/2011 by

LAW ENFORCEMENT AND BBB WARN

Three on the Radar

Fake and/or Highly Questionable Collection Calls

IRS Fake “We can’t process your Refund” Emails Continue

Fake Traffic Tickets Emailed Contain Virus in Attachment

Both law enforcement and BBB are hearing about similar scam scenarios in recent days. Since our reports and calls overlap in relevancy and content, we wish to warn you about them:

Fake and/or Highly Questionable Collection Calls

Debt collection complaints to BBB have been on the rise in 2011, mostly due to the economy, as well as a number of questionable debt collection services overstepping boundaries and breaking “rules of engagement” regarding debt collections. With both parties desperate for the same $$, this creates a perfect hotbed for scammers to use the industry to attempt to collect bogus debts. It also creates an atmosphere where some legitimate collectors are bending rules and pushing boundaries with their collecting tactics to see how far they can pressure. While in a legitimate debt collecting situation, collectors have the rightful job of collecting, and debtors have a responsibility to make payments, what happens when you are harassed by a scam collector who won’t STOP harassing, even in the workplace?

Here are two types of scenarios we are hearing about:

Scenario #1

Collection agencies from Maine, NY, and CA call victims claiming:

*you have a debt that needs to be paid or civil and criminal sanctions will be sought

*a great deal about you, including past indiscretions, and personal and/or financial information

*(sometimes) a very old past issue that needs repayment, making it look urgent and legitimate NOW *just about anything, whether true or false, to try to convince you that you have a debt

*the ONLY method of repayment to them is via your debit card

These reports are significantly increasing. To add to confusion, scammers are spoofing phone numbers to make the incoming calls look like they are from legitimate agencies. According to law enforcement, just last week, two local Spokane collection agencies had their numbers spoofed for the purpose of scamming.

Scenario #2

Here is a scenario we received from a person who is being harassed at work about a bogus debt that doesn’t even exist:

We have been receiving harassing phone calls for a good month now at our place of employment. Caller goes by the name of “Marcus Jim from Legal.” He tells me that I am being sued for social security fraud. He was able to state my full name, address, phone number and the last four of my social security number. He said if I settled out of court and made payment arrangements with him, that would take care of everything. He wanted me to write down on a piece of paper my full name and address, phone number, full social security number, debit card number (with security code on back) , what payment arrangement we will set up, and the wording, “I, my name, promise to pay such and such…” I was to sign it and fax it to a number he gave me. This caller has been harassing and threatening my boss and HR Department on a daily basis multiple times a day. If I cannot get rid of this man my job is in jeopardy.

KNOW YOUR RIGHTS AS A DEBTOR AND THEIR RIGHTS AS COLLECTORS

Knowledge is power. If you don’t know your rights, that’s almost like not having any. The Federal Trade Commission oversees collection issue matters, and has this comprehensive piece available: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

BOISE BBB’s President Relays Fake Collection Call Reports and Warns here:

http://www.idahopress.com/blogs/business_to_business/dale_dixon_-_better_business_bureau/fake-debt-collectors-scare-victims-out-of-money/article_3b52ea66-a1ac-11e0-ab0f-001cc4c002e0.html

BBB TIPS

BBB offers the following advice if you receive a suspicious telephone call about an outstanding debt:

• Ask the debt collector to provide official documentation to substantiate the debt. Debt collectors are required by law to provide the information in writing. If the self-proclaimed collector won’t provide information, hang up.

• 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.

• Check your credit report by going to annualcreditreport.com or calling (877) 322-8228 to check and determine your outstanding debts or any suspicious activity. If the scammer does have a great deal of personal information, place a fraud alert on your credit report.

• A collection agency must be licensed in WA, Montana and Idaho. If they are violating the Fair Debt Collection Practices Act or do not have a license, file a complaint with the proper agencies in your state that regulate collection agencies. In ID: Department of Finance; In WA: Department of Financial Institutions; in Montana, file with the Montana Attorney General’s Office.

• File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.

Bottom line: Don’t hesitate to turn to the BBB to file a complaint and gain peace of mind if you believe a debt collector is trying to scam you.

IRS and FDIC PHISHING EMAILS CIRCULATE

IRS “Can’t Process Your Refund” Emails
FDIC “ACH and Wire Transactions have been Suspended”

Fake IRS emails are circulating saying that the persons taxes could not be processed and to send in all pertinent information to a bogus entity. Details here: http://www.irs.gov/privacy/article/0,,id=179820,00.html

We are also seeing an FDIC email scam re-circulating stating to businesses that their ACH and Wire Transactions have been suspended. Details here: http://www.fdic.gov/news/news/SpecialAlert/2011/sa11021.html

FAKE TRAFFIC TICKET EMAILS CIRCULATING
Requires You to Open Attachment and Pay Remittance, DON’T

We have seen fake traffic ticket emails from New York State Dept of Motor Vehicles with an address to send your personal info and fine to:

Town Court
Chatam Hall
PO Box 117 NY
no zip code listed

WARNING

Here’s how the scam works. The email contains an attachment which you are to open and print off, and get back to them with remittance of payment. BBB CAUTION: Do NOT open this attachment—it is an exe. File and may contain a virus that can damage or compromise your computer.

Details concerning this scam:

http://albarchive.merlinone.net/mweb/wmsql.wm.request?oneimage&imageid=15519145

ID Dept of Finance Warns: Mortgage Modification Scam via Freedom Companies Lending aka Freedom Financial Mortgage

8/30/2011

Posted on 8/30/2011 by

ID Dept of Finance Warns: Mortgage Modification Scam via Freedom Companies Lending aka Freedom Financial Mortgage

Boise, Idaho . . . Gavin Gee, director of the Idaho Department of Finance, today warned that a company calling itself Freedom Companies Marketing, Inc., Freedom Companies, Inc., Freedom Companies Lending, and Freedom Financial Mortgage (Freedom) has been targeting Spanish speaking Idaho homeowners with false promises of a government-guaranteed mortgage loan modification for a large upfront fee.

The company promises homeowners lower monthly mortgage payments, but Gee says Idaho homeowners who succumbed to the up-front payment scam received nothing but empty promises for an unlawful upfront fee of $1,995. “This company, using the term ‘Freedom’ in its name, asks homeowners for private financial information, charges an unlawful upfront fee, and then leaves already distressed homeowners worse off than they were before. That’s not ‘Freedom;’ that’s a scam,” Gee warned.

He said homeowners trying to avoid foreclosure continue to fall prey to upfront-fee loan modification scams. “Some of the offending companies purport to be law firms or imply representation by attorneys to lower mortgage payments. These offers can be tempting to distressed homeowners seeking relief, but all too often they end up being nothing more than empty promises.”

“Mortgage modification companies, including short-sale negotiation service providers who don’t have an Idaho real estate license, are required to be licensed with the department before offering their services in Idaho,” Gee said. Other than third-party charges or charges approved by the department, Idaho law prohibits the charging of upfront fees prior to completion of a mortgage modification.

Gee advised Idaho homeowners considering doing business with a mortgage modification company to make certain the loan modification company is licensed with the Department of Finance. Licensed companies are listed on the department’s website at http://finance.idaho.gov.

Homeowners who feel they may be the target or victim of mortgage loan modification fraud are encouraged to contact the department at (208) 332-8002 or Idaho toll-free at 1-888-346-3378.

BBB Advises: Be on the Lookout for Questionable Donation Pleas for Hurricane Irene

8/30/2011

Posted on 8/30/2011 by

For those of us in other parts of the country seeking to aid in relief efforts in the wake of Hurricane Irene, 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.

Before you open your wallet, here are a few tips from the Better Business Bureau to make sure your money and efforts go toward genuine causes:

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 might not have fully researched the listed relief organizations. The public can go to www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Be cautious when giving online.

Be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to other more recent disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Find out if the charity is providing direct aid or raising money for other groups.

Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be wary of claims that 100 percent of donations will assist relief victims.

Despite what an organization might claim, charities have fundraising 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 earthquake victims, the truth is that the organization is still probably incurring fundraising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Donate directly to the relief charity you have chosen.

You may be tempted to make a donation by texting. Charities can raise significant sums this way, but be aware that it might take a long while for the money to reach the nonprofit if it is given through mobile texting. Text donations also typically have limitations on the amount you can give. To put your relief gift to work faster, go directly to the charity’s website to make your donation, or call them with your credit card number.

You can start your search of BBB Accredited Charities here: www.bbb.org/charity

Businesses Receive Fake Invoices, Threatening Phone Calls from YellowpagesO of NY

8/30/2011

Posted on 8/30/2011 by
Better Business Bureau (BBB) is alerting consumers and businesses to YellowpagesO, a New York company that is mailing invoices for online marketing services to businesses. Recent reports are coming from the Tucson BBB.

Businesses tell BBB they don’t remember contracting with the company.

BBB was contacted by a roofing company that said it received a phone call from YellowpagesO claiming it owed $1,100 for a an advertisement they had supposedly agreed to last year.

“They called and said I owed them money, and I told them I didn’t owe them anything,” Red Rock Roofing owner, Rene Valenzuela, told BBB. “He (the caller) was very rude, pushy, and mean.”

Valenzuela said that the caller told her he was going to put her through to a recording where she had to say “yes” when it asked her if she agreed to the charges, otherwise the call would be kicked back to him.

When Valenzuela said “no” to the recording, she says the call was kicked back to the operator, who continued to implore her to accept the charges. When Valenzuela finally hung up on the operator the company immediately called her back 16 or 17 times, but she didn’t answer any of the calls, Valenzuela told BBB.

One business has contacted BBB complaining about the invoices as have numerous companies from out-of-state.

YellowpagesO, or Yellow Pages Optimization, has an ‘F’ rating with BBB in New York. The company has received 58 complaints since the end of April from businesses all over the country.

If your business receives an invoice from YellowpagesO, and you don’t remember contracting with them, file a complaint against the company with BBB serving New York by visiting www.bbb.org.

Montana Attorney General's Office Goes Electronic with Complaint and Scam Reporting

8/25/2011

Posted on 8/25/2011 by

FOR RELEASE: August 25, 2011

Contact: Judy Beck at 444-5774, or Jennifer McKee at 444-2031

Bullock Unveils New Service Allowing Montanans to Complain of Consumer Fraud On-Line

HELENA – Montana Attorney General Steve Bullock has unveiled a new service that allows Montanans to file a complaint against a business – or search for complaints against a specific business – from their computer.

The Office of Consumer Protection in the Attorney General’s Office upholds Montana’s laws protecting consumers and small businesses from fraud and abuse by businesses that act outside the law. Investigators field thousands of calls and inquiries each year, investigating those with merit and cataloging the complaints. The state in many cases also secures recoveries for consumers who have been wronged.

Until this summer, every complaint came to the office as a paper document and the public could not easily research the complaints lodged against a business.

The new system also allows Montanans to report “scams,” like the Nigerian lottery email fraud or the grandparent scam, in which criminals attempt to trick someone they don’t know into willingly wiring them money.

“The Office of Consumer Protection has been a strong advocate for Montana citizens and small business,” Attorney General Steve Bullock said this week. “This new step puts the power of the office even closer to citizens.”

The office will still accept paper complaints, however the new system removes that step for Montanans who believe they may have been the victim of consumer fraud and who prefer to use the Internet to alert OCP investigators.

“Online commerce is an everyday part of business life,” Bullock said. “It should be an everyday part of government, too.”

The new system still requires consumers to attach documentation regarding their case. Completing the online complaint form takes about 10 minutes, depending on the level of detail the citizen wishes to provide.

The form can be found at https://app.doj.mt.gov/apps/Oscar/ or by going to www.consumerprotection.mt.gov and selecting “Consumer Complaints.”

ID AG and BBB Warn: Beware of Mortgage Lawsuit Scam Requiring Upfront Retainer of $5,000

8/25/2011

Posted on 8/25/2011 by

(Boise) - A company called Corvus Law Group is mailing ads to Idaho homeowners inviting them to join scam lawsuits against their mortgage lenders, Attorney General Lawrence Wasden warned today. The ads look like government forms and claim homeowners can get large principal reductions or other monetary relief if they join the lawsuit.

“The scam is a pretext to collect an unlawful $5,000 upfront fee from homeowners,” Attorney General Wasden said. “The representations in the solicitations are false and are designed to prey on vulnerable homeowners. My office is currently investigating this company.”

The ads, which appear to be “notices,” may be mailed to homeowners or posted on their doors. Typically, the business asks for a “retainer fee” and may ask homeowners for their credit card numbers or offer to set up a weekly payment plan.

State and federal laws prohibit companies from charging upfront fees for foreclosure rescue or mortgage modification services. Beginning September 1, it is unlawful for a person to charge a fee, upfront or otherwise, for these services, unless the person offering the service is licensed with the Idaho Department of Finance or exempt from its licensing requirement.

“I encourage homeowners who have lost money to this business or other mortgage rescue companies to file complaints with my Consumer Protection Division,” Wasden said. Complaint forms are available at www.ag.idaho.gov or by calling (208) 334-2424.

The Attorney General’s Office recently updated its consumer education manuals regarding home buying and foreclosure prevention. The manuals are available at www.ag.idaho.gov.

Homeowners who are having difficulties paying their mortgage loans may qualify for a mortgage modification and can visit the federal government’s website at www.makinghomeaffordable.gov for an application packet. Homeowners who are having difficulties communicating with their mortgage loan servicers about their loans can call the Attorney General’s housing specialist at (208) 334-4536 for assistance.

ID AG Warns: Surge in Phishing Scams Reported

8/23/2011

Posted on 8/23/2011 by

August 22, 2011, (Boise) - The Attorney General’s Office has received many reports recently regarding phone calls and text messages claiming to be from various financial institutions, including Wells Fargo Bank, Boise Federal Credit Union and Home Federal Bank. The calls and texts state that recipients’ credit or debit cards have been compromised, and instruct them to call a phone number to provide information and reactivate the card.

Attorney General Lawrence Wasden warns Idaho consumers not to respond to these fraudulent messages. “Your bank will never contact you to ask for your account number. Your bank already knows your account number,” Attorney General Wasden said. “These messages are ‘phishing’ attempts by people trying to steal your account information so they can steal your money.”

Any consumer who did responded and gave out an account number or PIN number should contact their financial institution immediately, Wasden said. Use the customer service number on your most recent statement or look up the number in the phone book. Do not use the phone numbers provided in text, phone or e-mail messages.

Although this type of scam has been around for years, the recent surge is alarming. “These messages are designed to reach as many potential victims as possible,” Wasden said. “The senders do not know anything about you or your card. Many people who have received the messages do not have accounts with the bank or credit union purportedly sending the message.”

Wells Fargo is currently investigating these phishing scams and requests that consumers forward suspicious messages using Wells Fargo’s name to reportphish@wellsfargo.com.

The Attorney General’s Office publishes an Identity Theft manual to assist consumers whose personal information has been stolen. For more information, visit www.ag.idaho.gov or call the Consumer Protection Division. In the Boise area, call (208) 334–2424. Elsewhere in Idaho, call the toll–free number, (800) 432–3545.

Attn Businesses: Yellow Pages Scam Uncovered by FTC

8/19/2011

Posted on 8/19/2011 by

Denver, CO – August 18, 2011 – In October 2010, the Better Business Bureau (BBB) warned about an entity that appeared to be trying to scam local businesses by sending unsolicited faxes that deceived them into paying for Yellow Pages listings. The entity went by the names Yellow Pages B.V., Yellow Publishing Ltd and YellowPage-Colorado.com.

The Federal Trade Commission (FTC) has uncovered the individual and operations behind this scheme and is putting a stop to it.

According to a recent FTC announcement, a federal judge has temporarily halted the European-based operation that has allegedly bilked small businesses and nonprofit organizations, including churches, out of millions of dollars by deceiving them into ordering and then paying for unwanted listings in online business directories. In addition to stopping the allegedly deceptive practices, the court also froze the defendants’ assets. The FTC seeks to permanently stop the illegal practices and to require that the defendants provide refunds to their victims.

Yellow Pages B.V. has an F rating with the BBB with over 500 complaints on file, many of which have gone unanswered or unresolved.

The BBB offers the following tips for businesses dealing with Yellow Page solicitations:

Look closely at any Yellow Pages bill before paying it. If you have a question about the legitimacy of a bill, contact your Yellow Pages representative.
Channel all invoices through one department and make sure they are cleared with the appropriate executives before they are paid.
While it is not always the case, bogus invoices often are marked with the notice “This is Not a Bill.” They may lack a contact phone number.
If you suspect you have received a call, fax or mailing from a bogus Yellow Pages entity, contact the U.S. Postal Inspection Service, the Federal Trade Commission, the BBB, and/or the Yellow Pages Association at 1-800-841-0639.
Check the BBB Business Review on any company that has contacted you before signing anything or giving any information. Visit www.bbb.org or call 509-455-4200 or 800-356-1007.

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.bbb.org for more information.

ID Attorney General: NEW IDAHO LAW OFFERS MORE PROTECTION FOR HOMEOWNERS

8/18/2011

Posted on 8/18/2011 by

(Boise) - Beginning September 1, a new Idaho law requires mortgage lenders to inform homeowners in default about asking for a loan modification review, Attorney General Lawrence Wasden said today. The new law also allows homeowners to request a meeting with their lenders to discuss foreclosure prevention options.

“Homeowners in foreclosure or in danger of foreclosure should familiarize themselves with the rights this new law affords them,” Attorney General Wasden said. “To help homeowners and lenders understand the law, my office created a webpage dedicated to mortgage loan servicing and foreclosure issues. It is available at www.ag.idaho.gov.”

The webpage includes a thorough discussion of the law’s requirements as well as model forms that industry professionals may use to better comply with the homeowner notice provisions.

In addition to requiring written notice about requesting a loan modification review, the law requires lenders to notify homeowners whether they qualify for a loan modification within 45 days of a modification request. Lenders may not proceed with a trustee’s sale during the 45-day period. Homeowners also will receive written notice of the date and time of a future trustee’s sale if a scheduled sale date is postponed.

To help combat mortgage modification fraud in Idaho, a new consumer protection law prohibits persons from charging a fee for loan modification services unless the person is licensed with the Idaho Department of Finance or is exempt from licensing under Idaho law, such as licensed attorneys, regulated lenders, or registered mortgage loan originators.

The Attorney General publishes several consumer education manuals related to housing issues, including Foreclosure Prevention and Foreclosure Scams: How to Tell the Difference; Buying a Home; and the Landlord and Tenant Guidelines. The manuals and other housing and foreclosure information are available on the Attorney General’s website.

Consumers who need help obtaining a mortgage modification should contact a HUD-approved housing counselor at (888) 995-HOPE. Consumers also can contact the Attorney General’s housing specialist at (208) 334-4536.

Consumers can file complaints regarding mortgage fraud with the Attorney General’s Consumer Protection Division. Complaint forms are available at www.ag.idaho.gov or by calling (208) 334-2424.

Watch Out for False Emails Requesting a BBB Rating Verification

8/18/2011

Posted on 8/18/2011 by

Watch Out for False Emails Requesting a BBB Rating Verification

Random Email Starts “Negative/Derogatory Review or Rating Issuance Pending”

BBB is cautioning businesses and consumers about an email that is purporting to come from BBB. The email appears to come from a fake BBB address (BBBupdate@post.com) in the Atlanta, Georgia metro area and falsely requests verification and validation of BBB Ratings.

The email message reads, “Our data shows a pending rating or review about you or your business. Derogatory/Negative reviews or ratings can impact you business profile and become permanently visible to customers, clients, vendors, and agencies. CONTACT OUR NOTIFICATION DEPARTMENT IMMEDIATELY FOR VERIFICATION AND VALIDATION OF THIS ALERT.”

BBB wishes to remind all businesses and consumers that we are not conducting a verification request nor are we issuing emails in response to a pending rating or review about you or your business. Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal. CBBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

Better Business Bureau Integrates U.S. and Canadian Operations

8/17/2011

Posted on 8/17/2011 by
(Arlington VA) – The Council of Better Business Bureaus (CBBB) has integrated operations in the United States and Canada, marking the way for an improved customer experience for those who purchase goods and services across the border. The CBBB Board of Directors voted earlier this month on the integration plan, which became effective today. The CBBB is the international headquarters of the BBB system and the governing body that licenses local BBBs and provides support services to increase their effectiveness.

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

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

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

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

# # #

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

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

Unsolicited Faxes from Small Business Debt Assistance Program of CA Offer Debt Relief Services

8/17/2011

Posted on 8/17/2011 by

ATTN: SMALL BUSINESSES

Unsolicited Faxes from Small Business Debt Assistance Program of CA Offer Debt Relief Services

Company has F Rating with BBB

Your regional BBB office has been receiving random faxes addressed to our president from a company called “Small Business Debt Assistance Program” with a web site of www.sbdap.org and a toll-free # of 888-710-5840 stating that “you may be eligible for an estimated $39,120.44 in debt relief through our small business hardship program.”

To be eligible for the program, the flyer states that “you must have at least $10,000 in unsecured, collections, or tax debt” in order to qualify for their program. Solicitations display a red, white and blue emblem/logo which resembles a government seal implying an association with a government agency.

FULL BBB REVIEW HERE

http://www.la.bbb.org/business-reviews/Debt-Relief-Services/Small-Business-Debt-Assistance-Program-in-Irvine-CA-100088884

BBB ADVICE

Make certain that the company faxing you such offers is 1) legitimate and for real, 2) properly licensed in the state it does business from, and that they have any proper licensing required in your state to extend the offer to you.

We urge caution. New debt relief laws effective October 27, 2010 designed to prevent for-profit debt relief companies from collecting fees in advance do not apply to companies that perform business to business services.

Our experience with business debt relief companies has been that despite promises to the contrary, creditors continue to harass clients, fees and interest continue to accumulate, and that the companies do not contact the creditors. Usually, creditors turn the claims over to collection agencies, file lawsuits and pursue collections of the unpaid amounts. Debts are seldom settled, credit histories are ruined, and many companies are forced to seek bankruptcy protection.

If you have an unresolved issue concerning this business, file a formal complaint for resolve at: www.bbb.org

ORGANIZATION WEB SITE “DONATION” BUTTONS GET “HIT” WITH MULTIPLE FRAUDULENT CREDIT CARD DONATIONS

8/16/2011

Posted on 8/16/2011 by

ORGANIZATION WEB SITE “DONATION” BUTTONS GET “HIT” WITH MULTIPLE FRAUDULENT CREDIT CARD DONATIONS

BBB Gets Reports from Missoula, MT charity and Spokane Valley Chamber

In the past month, BBB has heard from two separate organizations regarding questionable activity taking place at the DONATE TO THE FOUNDATION and DONATION sections of their web sites. One report came from the Spokane Valley Chamber, and the other came from a charity in Missoula, MT.

In a short period of time, both groups saw a sudden spike in multiple donation posts via credit card coming from out of country. One group was notified by its credit card payment processing company about the unusual activity and shut their portal down until they could find answers. Another saw the activity and merely disabled the pages at their site until they could figure out what was up.

RED FLAGS

1) Unusual activity taking place at a certain section of a web site, namely a “donate” page

2) Unusual volume of activity (spurt of donations at once)

3) Donations coming from out of country (Vanuatu and Singapore)

4) Unusual donation amounts posted (anywhere from .15 cents to $5.00)

5) Donations posted using a variety of different names using the same addresses, and all using gmail or yahoo generic email accounts.

WHAT’S UP HERE

The Spokane Valley Chamber’s credit card processing company relayed to them that their web site was missing an “added security feature” that blocks such activity from occurring. Once the added feature was put into place (which didn’t take long), the hits ceased.

BBB NOTE: This particular activity did not put the rest of these two groups' sites at risk of being compromised, and was specific to the donation pages. No personal data was compromised.

Scammers are conducting their own form of phishing that uses the activation of a fake or stolen credit card at vulnerable web site pages void of a particular security feature. They are randomly finding and targeting web sites such as the ones mentioned above to see if the sites will “take a credit card.” Once they find that the fields at the donation page will take a credit card, they enter an amount to “donate,” thus activate the stolen or fake credit card to use to max it out. Seems they are, in particular, targeting “donation” pages that don’t have this feature.

BBB ADVICE

If organizations and businesses see any questionable activity via their web site, we urge them to be pro-active ASAP and do the following:

1) Don’t panic. Contact your IT and web designer ASAP for immediate advice. The experts may require shutting down your portal or pages at your web site until they have a) figured out what the extent of the problem is and have b) more fully secured your site.

2) Alert your bank where your account is secured about the situation.

3) Alert your credit card merchant who maintains your online account if they haven’t already alerted you.

4) File a police report about suspicious activity to begin a paper trail in case other issues arise as a result of the incident.

5) Contact media and share your story to warn others.

6) Have a complete security scan/review done of your web site. IT is well worth the funds to secure your data and site.

7) For more information concerning system security, go to: http://www.bbb.org/data-security/

FBI Warns: Automotive Brand Hijackers Use False Protection Claims and Live Chat to Lure Online Auto Shoppers

8/15/2011

Posted on 8/15/2011 by

FBI Warns: Automotive Brand Hijackers Use False Protection Claims and Live Chat to Lure Online Auto Shoppers

August 15, 2011---Online vehicle shoppers are being victimized by fraudulent vehicle sales and false claims of vehicle protection (VPP) programs.

In fraudulent vehicle sales, criminals attempt to sell vehicles they do not own. Criminals create an attractive deal by advertising vehicles for sale at prices below book value. Often the sellers purport they need to sell the vehicle because they are being moved for work or deployed for the military. Because of the alleged pending move, criminals refuse to meet in person or allow inspection of the vehicle, and they often attempt to rush the sale. To make the deal appear legitimate, the criminal instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax their payment receipt to the seller as proof of payment. The criminal pockets the payment but does not deliver the vehicle.

Criminals also attempt to make their scams appear valid by misusing the names of reputable companies and programs. These criminals have no association with these companies and their schemes give buyers instructions which fail to adhere to the rules and restrictions of any legitimate program. For example, the eBay Motors Vehicle Protection Plan (VPP) is a reputable protection program whose name is commonly misused by these criminals. However, the VPP is not applicable to transactions that originate outside of eBay Motors, and it prohibits wire transfer payments. Nevertheless, criminals often promise eBay Motors VPP protections for non-eBay Motors purchases, and instruct victims to pay via Western Union or MoneyGram.

In a new twist, criminals use a live chat feature in email correspondence and electronic invoices. As live chat assistants, the criminals answer victims' questions and assure victims that the deals are safe, claiming that safeguards are in place to reimburse the buyer for any loss. The criminals falsely assert that their sales are protected by liability insurance coverage up to $50,000.

Automotive shoppers should exercise due diligence before engaging in transactions to purchase vehicles advertised online. In particular, shoppers should be cautious of the following situations:

Sellers who want to move the transaction from one platform to another (for example, Craigslist to eBay Motors).
Sellers who claim that a buyer protection program offered by a major Internet company covers an auto transaction conducted outside that company's site.
Sellers who push for speedy completion of the transaction and request payments via quick wire transfer payment systems.
Sellers who refuse to meet in person, or refuse to allow the buyer to physically inspect the vehicle before the purchase.
Transactions where the seller and vehicle are in different locations. Criminals often claim to have been transferred for work reasons, deployed by the military, or moved because of a family circumstance, and could not take the vehicle with them.
Vehicles advertised at well below their market value. Remember, if it looks too good to be true, it probably is.

If you have witnessed this behavior or fallen victim to this type of scam, please file a complaint with the IC3 at www.IC3.gov.

Business Advice: Be Wary of Random Link Exchange Requests via Email

8/15/2011

Posted on 8/15/2011 by

BUSINESS ALERT:

A THING OR TWO OR THREE TO KNOW ABOUT RANDOM WEB SITE LINK EXCHANGE REQUESTS

Answer #1 a No-Brainer: Think Twice about Random Overseas Requests

It was brought to BBB’s attention that a random email is circulating, this one to a Montana chamber office, requesting a web site link exchange. The email is here:

From: linkmanager2@cyprusholidayvillage.net
Sent: Monday, August 15, 2011 1:48 PM
To: XXXXXXX
Subject: Good day

Hello,I found your site XXXXX in Internet. If this is your site, I want to offer you an excellent mutually beneficial link exchange.This actions will help us increase rating our pages in Google.

Here are the address where I can put your links:http://mavirentacar.com Google PageRank 1 If you are interested in links exchange, please add my link wherever you think appropiate and let me know.

Here are my details:

<a href="XXXX(link removed for safety)">North Cyprus-auto-rentals</a> Offers car hire in North Cyprus. details of services.

OR

Title: North Cyprus-auto-rentals
URL: XXXX (link removed for safety)
Discription: Offers car hire in North Cyprus. details of services. .
if you have any questions please do not hesitate to ask.

Best regards, Vlad. rentacar@cyprusholidayvillage.net

BBB ADVICE

If you are ever in doubt about a web site request of any kind like this, even if it seems like a basic request, contact your web designer/host ASAP before changing or adding or stating Yes to anything. Otherwise, BBB sees the following red flags:

1) Random email request

2) Email comes from overseas

3) Poor grammar: many misspellings in the email

4) Irrelevant action requested: Email is supposedly for “auto sales” in Cyprus, Greece. What does this have to do with a chamber in Montana?

5) Links embedded in random email: BBB cautions to not click on such random links if you don’t know the true source. The word to pay attention to is “TRUE.” If a scammer set this web site up as a floating or scam site, by posting it to your site, you may be opening people up to all types of vulnerabilities on their computers.

If you feel you have opened something that could potentially harm your computer, get with your IT ASAP to address it. If you feel you have been a victim of this type of activity, be pro-active and file a formal complaint with the FBI at: www.ic3.gov

A couple fun links to share on the subject:

www.kibble.net
http://www.kibble.net/blog/index.php/2011/05/04/3-things-to-avoid-when-requesting-a-link-exchange/

www.simonbjournal.blogspot.com http://simonbjournal.blogspot.com/2011/06/heres-subtle-one.html

BBB Warns Consumers About Immigration Services Scams

8/11/2011

Posted on 8/11/2011 by

BBB Warns Consumers About Immigration Services Scams

Thanks to the Chicago BBB for this Warning!

CHICAGO, IL- August 10, 2011 In July alone, the Chicago BBB received 32 complaints filed by consumers which eclipses 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 their review due to the increasing number of complaints being received.

Immigrants who may speak little to no English can easily fall prey to unscrupulous businesses. 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. In return, they received only the applications that are free and easily accessible through the federal government.

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.”

BBB ADVICE

In the wake of similar activities around the country, the Federal Trade Commission 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.

It is very important for people to fully read and understand any website and its disclaimers before doing businesses on it. 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.

The BBB offers additional 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 MT, ID or WA Bar Association 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

Naming Names September 2011

8/10/2011

Posted on 8/10/2011 by

Naming Names is not about revenge or vindictiveness, it is about accountability. The BBB enforces Business standards and holds both accredited and non-accredited businesses accountable.

Naming Names is a monthly release of the BBB’s complaint handling activities for the previous month. All complaints that have closed out in the BBB's previous month's timeframe are utilized to compile this monthly Naming Names. What warrants companies named in this release? Those businesses that 1) don't answer complaints brought to their attention by the BBB, 2) have a complaint closed disputed, which means that, despite attention to the complaint, the company did not resolve the issue, 3) are unable to be found and have mail returned to the BBB as undeliverable, 4) have had a high volume of complaints for the month that, as a result, drove its industry to the top ten (whether they resolved the complaints or not, and whether they are accredited or not).

PLEASE NOTE: Companies named in the top ten monthly categories can be both accredited and non-accredited businesses. BBB Accredited Businesses can be cited for having a high volume of complaints for the month, but can't have unanswered complaints, a pattern of complaints, nor be "unable to be pursued" and still maintain BBB accreditation.

If any BBB Accredited Business fails to comply with BBB standards, their accreditation is suspended and sent to the Board of Directors for review.

NAMING NAMES SEPTEMBER 2011

(Click on Company Name that is active, and it will take you directly to their BBB Business Review)

TOP TEN COMPLAINT INDUSTRIES

1. GENERAL CONTRACTORS took the number one slot last month. For this category, we take into account those contractors who offer repair and labor contracting services, such as electrical work, plumbing, roofing, etc. All but the following complaints were closed resolved in this category: Melton Homes, Inc. of Dalton Gardens, ID, Doug's Remodel of Richland, WA, Columbia Custom Renovations of Kennewick, WA, Home Equity Builders of Bozeman, MT, J & H Contracting, Inc. of Coeur d’Alene, ID, FCR Enterprises of Tekoa, WA, Good Roofing of Billings, MT, Nu-View USA of Billings, MT, Sagetree Electric Inc of Kennewick, WA, JMG Electric, Inc. of Sagle, ID, Team Construction, LLC of Butte, MT, Classy Pools of Spokane Valley, WA, Lake City Pool & Spa, LLC of Coeur d’Alene, ID, RCC Sprinkler LLC of Missoula, MT, Rick's Painting of Yakima, WA, Pennington Concrete Construction of Wenatchee, WA, LT Construction, LLC of Pasco, WA, Tri-Cities Landscaping of Benton City, WA, AAA Movers of Spokane, WA, and ABC Seamless of Helena, MT each had one complaint closed unanswered. D W Burns Plumbing of Emigrant, MT, M A Smith Construction of Oroville, WA, Lyman Dust Control, Inc. of Hayden, ID, Mill-N-Ette of Missoula, MT, and IBEX Construction, Inc of Spokane, WA each had one complaint closed disputed. Complaints for this industry mostly concerned service/ workmanship, contract, refund, and guarantee/warranty issues.

2. RETAILERS with everything from driving accessories to building supplies, curtains to sewing machines, we got the complaints last month at the Regional BBB, allowing retail to take the number two slot last month with all but the following complaints closed resolved: Blue Glass Enterprises, LLC of Butte, MT had two complaints closed unanswered. The Buggy Lady Driving Accessories of Lacrosse, WA, SCS Distributing-Kirby Company of Spokane Valley, WA, Viking Sewing & Vac Center of Spokane Valley, WA, The Huckleberry People of Missoula, MT, A Superior Install of Leavenworth, WA, Michael Gordon, Ltd. of Spokane, WA, B Seamless Raingutter, Inc. of Billings, MT, East Slope Building Supply of Twisp, WA, RPM by Sledhed of Coolin, ID, Dependable Appliance Company of Pasco, WA, and True Step Shoe Repair of Moses Lake, WA, each had one complaint closed unanswered. Ellabella Limited, Inc. of Kennewick, WA, Upscale Home Furnishings of Spokane, WA, and K & R Cabinets of Spokane Valley, WA, each had one complaint closed unable to be pursued. Grassi Refrigeration Inc. of Walla Walla, WA, Irrigation Parts House of Townsend, MT and Midway Building Supply, Inc. of Tonasket, WA each had one complaint closed disputed. BBB NOTE: It PAYS to check up at BBB.org for online retailer reviews. Some of these companies are well-known to BBB for not answering complaints brought to their attention. Complaints for this category mostly concerned delivery, product, service, and contract issues.

3. AUTO SERVICES AND REPAIR took the number three slot last month with all but the following complaints closed resolved: The Battery Store & Auto Electric of Kennewick, WA, Ed's Premier Auto Body, Inc of Spokane, WA, Specialty Auto of Spokane Valley, WA, Trans Pro Industrial Inc of Spokane Valley, WA, and Auto Lights Unlimited of Moses Lake, WA, each had one complaint closed unanswered. A-1 Automotive and Repair of Kennewick, WA, and Vern’s Mobile Auto Repair & FI of Wenatchee, WA each had one complaint closed disputed. Complaints for this industry mostly concerned billing, repairs, delivery, and service issues.

4. PROFESSIONAL SERVICES from alcohol counselors and marketing consultants to precious metal dealers and estate appraisers took the number four slot last month with all but the following complaints closed resolved: CoiNuts of Coeur d’Alene, ID had 3 unanswered complaints. Law Office of Paul A. DiNenna Jr. of Spokane, WA, Keith Hilde Attorney of Richland, WA, Celine Michelle Photography of Bozeman, MT, Inspire Portraits and Design of Great Falls, MT, ABC Back to Basics, LLC of Spokane, WA, FireCommunications Network of Juliaetta, ID, More Than a DJ of Pasco, WA, Coeur d' Alene Monument Company, Inc. of Coeur d’Alene, ID, Riverriders of Leavenworth, WA, and Joie N. Hall Paralegal Services of Spokane Valley, WA each had one complaint closed unanswered. Bark Ave. of Spokane, WA and Redwing Hound Haulers of Sagle, ID each had one complaint closed disputed. Complaints for this industry mostly concerned service, contract, billing and customer service issues.

5. REAL ESTATE AND PROPERTY MANAGEMENT took the number five slot once again last month with all but the following complaints closed resolved: Northwest Property Management of Coeur d’Alene, ID had two complaints closed unanswered. R W Dickerson Management and Company, Inc. of Spokane, WA, Zanco Properties of Spokane Valley, WA, Heritage Realty of Pullman, WA, Homesource of Yakima, WA and The Buyer’s Agent of Yakima, WA each had one complaint closed unanswered. Complaints for this industry mostly concerned contract, deposit/billing, service and product issues.

6. FINANCIAL SERVICES took the number six slot last month last month. Again, the BBB wishes to note that all collection agencies in the area that received complaints in September responded to and resolved them all. Kudos to this industry for continuing to be responsive and resolute with BBB complaints. All but the following other complaints in this category were closed resolved: Little Loan Shoppe of Spokane, WA had one complaint closed unanswered. BBB NOTE: The SEC took action against this company on late September, and BBB President, Jan Quintrall, wrote this informative Spokesman Review piece about this payday loan company that consistently generates unanswered complaints.

Due to volume, BBB calls out Payday Financial, LLC of Timber Lake, SD (aka PDL Ventures using box drops in Elder Box, MT), which had five complaints closed unanswered. BBB NOTE: This BBB was handling complaints for a company called PDL Ventures for nearly three years until the FTC issued this order against a group called Payday Financial, LLC of Timber Lake, SD, linking them to the activities of PDL Venture in Box Elder, MT. The BBB of South Dakota now handles complaints against this company, and is deemed HQ.)

Potlatch No. 1 Credit Union of Lewiston, ID had one complaint closed unanswered. Urgent Tax Care of Post Falls, ID had one complaint closed disputed. Complaints for this industry mostly concerned billing, service, and contract issues.

7. MAGAZINE SALES took the number seven slot last month mostly due to two Montana magazine sales companies consistently on BBB’s radar: U.S. Magazines of Lolo, MT, which had a total of 22 complaints, all closed resolved, and Countrywide Periodicals of Hamilton, MT, which had 5 complaints, all closed resolved. All other complaints for this category have been resolved. Complaints for this industry mostly concerned billing, refund, customer service, and selling issues.

BBB NOTE: Check first with BBB about any telemarketing magazine sales company pitching to you at: www.bbb.org prior to signing. Do the real MATH before you agree to sign up for magazine sales pitches via random calls, and be wary of too good to be true incentives to try to get you to sign up.

8. HOTELS and MOTELS took the number eight slot last month with Motels being the biggest single unanswered complaint category in this Naming Names. All but the following motel complaints were closed resolved: Comfort Inn of Coeur d’Alene, ID, Juniper Inn of Billings, MT, Perry Hotel of Pullman, WA, Econo Lodge of Yakima, WA, Shangri-La Motel of Spokane, WA, Sleep Inn of Billings, Cedar Motel and RV Park of Coeur d’Alene, ID, Value Inn of Wenatchee, WA, Traveler’s Lodge of West Yellowstone, MT and Sleepy Hollow Lodge of West Yellowstone, MT each had one complaint closed unanswered. All but the following hotel complaints were closed resolved: Howard Johnson of Billings, MT had two complaints closed unanswered. Complaints for this industry mostly concerned billing, product, and customer service practices.

9. AUTOS-NEW took the number nine slot last month with all but the following complaints closed resolved: Camp Automotive of Spokane, WA had two complaints closed unanswered. Lithia Honda of Great Falls had one complaint closed disputed. Complaints for this industry mostly concerned contract, service and selling issues.

10. ELECTRONICS took the number ten slot last month with all but the following complaints closed resolved: US Online of Wenatchee, WA, Stupid Phone Store of Yakima, WA, and Strong Solutions of Spokane, WA each had one unanswered complaint. Complaints for this industry mostly concerned service and repair issues.

CLEARING THE AIR

If there is a correction to make with any previous Naming Names releases or if there is an error that needs clarification or re-address, our policy is to post it and make it known in the next month’s Naming Names. We call this “clearing the air.”

BBB REGIONAL TOP TEN INQUIRIES VIA INDUSTRY, SEPTEMBER, 2011

GENERAL CONTRACTORS	1906
TRAVEL ESCORTS	1417
ROOFERS	1105
LOAN SERVICES	1040
CAR DEALERSHIPS	798
USED CAR DEALERSHIPS	733
COLLECTION AGENCIES	716
CAR SERVICE STATIONS	650
AUTO WINDSHIELD, GLASS SHOPS	598
TAX CONSULTANTS	580

Traveling Pavers on a Roll: Questionable Door-to-Door Asphalt Offers Hit Inland NW

8/8/2011

Posted on 8/8/2011 by

BBB and WA Labor and Industries Spokane Office Warn

Traveling Pavers on a Roll: Questionable Door-to-Door Asphalt Offers Hit Inland NW

BBB Gets Inquiries from Consumers for unlicensed companies called “Highway Services” and “Highway Construction”

BBBs and WA Dept. of Labor and Industries wish to warn area consumers to be cautious of traveling sales crews gearing up for unloading “leftover asphalt” onto unsuspecting customers.

This seasonal scam activity bilks customers who usually are swayed to go with the "hard sell verbal pitch" right then and there without first checking on the company they are being approached by. Each year, this region falls victim to the highly questionable (if not fraudulent) practices of "out of area pavers" who make their way from the southwest up to our part of the country, from West to East and back again! Wherever these groups come from, they all add up to one thing: trouble for those who bite on their offers. BBB NOTE: If work vehicles have out of state license plates, make certain they are properly registered in your state to conduct business, as required by law.

The BBB says to NOT fall prey to these kinds of tactics, because scammers in this industry during this time of year are very good at “laying it on thick” (pun intended!) with their pitch to sell you less than adequate materials and do less than adequate if not downright shoddy workmanship.

Be aware of paving companies that approach your home stating they are “in the area” and have extra asphalt or concrete to repair your driveway for a minimum cost. Many times the company will quote a low price for their work and upon completion overcharge the customer.

BBB AND WA LABOR AND INDUSTRY ADVICE

Right from the start, you can eliminate what is likely to be less than reputable contractors by considering a list of common traits. Your BBB and L and I suggest consumers beware of the following:

Solicits door-to-door: Be suspicious of contractors who attempt to gain business by visiting door-to- door.
Has material left over from a previous job: It is not your lucky day when a contractor shows up on your doorstep offering a cut rate price on a project because they have materials left over from recent job. This is a common ploy used by traveling crews who are based out of state and use their pick-up trucks as their place of business.
Does not list a business phone number in the local directory: This can be a red flag indicating that the contractor does not have an established business presence in-state. Start with www.bbb.org for your search of trusted local pavers. Consider a BBB accredited business, and search here: http://www.bbb.org/spokane/accredited-business-guide/
Pressures you for an immediate decision: A reputable company will recognize that you need time to consider many factors when deciding which contractor to hire. Consumers are advised to check references, verify insurance, licensing and registration and get written estimates from several firms based on identical project specifications.
Isn't properly registered to conduct business in the state. Don't just go by a verbal. Make certain you are checking first with the proper agencies to confirm.
Asks you to pay for the entire job up front or demands only cash: Whatever the reason, never pay for the entire project upfront. Payments should be by credit card or check so that your statement or cancelled check can provide proof of payment.

BBB and WA Labor and Industries offers up these additional great tips for what to watch for when hiring a contractor:

http://spokane.bbb.org/article/wa-li-warns-homeowners-of-seasonal-asphalt-paving-scams-26744

ID Department of Building Safety offers its helpful tips page here:

http://dbs.idaho.gov/contractors/index.html

To Blog or Not to Blog? The Argument for Why Every Business Owner Should Blog

8/3/2011

Posted on 8/3/2011 by

To Blog or Not to Blog? The Argument for Why Every Business Owner Should Blog

Between Facebook posts and Twitter tweets, it seems like there are a thousand and one ways to communicate virtually these days. However, what many in the business world overlook is blogging. Better Business Bureau is recommending that business owners consider some simple blog implementation strategies to heighten their business’ visibility on the web.

A blog dedicated to the thoughts of a business’ president or CEO or a business’ mission can serve as a meaningful way to attract potential customers – and allow business owners to establish themselves as a thought leader in their respective market(s). Business blogs can be linked from the business’ website, Facebook page and Twitter account and are a great way of sharing the longer, more thought provoking messages.

According to a recent survey by HubSpot, 57% of companies using blogs reported that they acquired customers from leads generated directly from their blog. They go on to find that businesses are now in the minority if they do not blog. From 2009 to 2011 the percentage of businesses with a blog grew from 48% to 65%.

So what’s so great about a blog? A blog gives a president or CEO the chance to communicate in more of a dialogue-like setting with their constituents. Limited characters and space can confine a message in some settings. A blog allows for a full message to be shared and can even be catered towards targeted audiences.

BBB recommends that business owners consider the following when implementing a blog for their business:

Heightened visibility is always a plus. When you blog, you get more eyes on your business and increase your search engine optimization (SEO).

Voicing your passion gets your customers noticing. Letting your customers see how and why your business came about and sharing what it is you love about doing what you do is a great way to make a connection with your audience. With (almost) no length limits, a blog is a great platform to share exactly what it is that makes your business different from the rest.

A blog can serve as a great networking tool. A blog is a great place to inspire your constituents and build a subscriber base. By giving your voice a platform and reaching out to other fellow business bloggers, you have the ability to establish a solid business-to-business network.

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

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

8/3/2011

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

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

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

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

###

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

Connect with BBB Military Line on Facebook.

BBB Military Line Contacts:

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

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

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

8/3/2011

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

8/3/2011

Latest Advance Fee Loan Scam: Atlantic Credit Group of Halifax, NS

8/3/2011

Posted on 8/3/2011 by

Latest Advance Fee Loan Scam:
Atlantic Credit Group of Halifax, NS

August 2, 2011, Halifax, NS – The Better Business Bureau serving the Maritime Provinces has received complaints and numerous inquiries about a company called Atlantic Credit Group, who claim to provide consumer and business loans. Although they claim to be located in Halifax, Nova Scotia, the BBB has been unable to locate them. Neither have we been able to verify a business registration in the province using that name.

Consumers have advised us that they found ads, online, about a company that provides loans for any purpose. Consumers are asked to fill out a detailed form with personal and financial information and are told immediately that they are approved for a loan and the money will be in their bank account within 48 to 72 hours. Even though their website says that there are no application fees or upfront fees consumers are telling us that this is not true. Upon approval the consumer is then asked to wire an “insurance fee” to the company. Once that fee is received consumers are then 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 advanced 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.

If you feel that you have been a victim of an “Advance Fee Loan Scam”, you should file a complaint with the BBB at www.bbb.org. You are strongly urged to report your dealings to the Canadian Anti-Fraud Call Centre at 1-888-495-8501 and/or the US Federal Trade Commission at 1-877-382-4357.

CONTINENTAL BROADCASTING NETWORK, INC of NY Sending Random Who’s Who Email Notices to Business Professionals

8/2/2011

Posted on 8/2/2011 by

CONTINENTAL BROADCASTING NETWORK, INC of NY Sending Random Who’s Who Email Notices to Business Professionals

Email States that the Group has “advocated your candidacy” for Inclusion in Who’s Who Directory

www.continentalbroadcastingnetwork.com
http://cwwintheloop.com/
(888) 662-2688
support@continentalbroadcastingnetwork.com
23 Briaroot Drive
Smithtown, NY 11787

BBB issued a general advice piece on this above-mentioned organization back in 2010 (Tip #5):

http://spokane.bbb.org/article/bbb-twice-a-month-tips-to-trust-19007

A BBB staffer recently received an updated version, which spurs this updated advice piece. The difference with the new email “call for inclusion” is that they provide a link to a profile that has already been started for you, the professional.

The notice states that “the Editorial Department within the ranks of our alliance with CWW have advocated your candidacy as a XXXXXXX(your job title here removed by BBB) and are awaiting your biographical confirmation. ”

When you dig deeper, the web site states that the “offer” is really a sales pitch, and in order for you to receive any status with this organization, you need to pay a fee for an “award-winning” listing. BBB considers this type of organizational sign up to be misleading.

Further research shows that the web site addresses listed in the domain registrations for the organization are privately registered, with no concrete contact info listed.

BBB ADVICE

Decide for yourself whether this is worthy of your enlistment as a professional. For more tips on vanity award offers, go to www.bbb.org

If you have an unresolved issue concerning an organization, file for resolve with BBB at: www.bbb.org

Watch Out for False Promises from OnlineBusinessScams.com

8/2/2011

Posted on 8/2/2011 by

Watch Out for False Promises from OnlineBusinessScams.com

BBB cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services.

OnlineBusinessScams.com charges consumers an upfront fee of $1500 to $2000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to BBB.
　
OnlineBusinessScams.com told one consumer that in order to help him collect money owed from a business he needed to pay 30% of the amount owed. The site requested half of the 30% upfront, which he paid.

After receiving the fee, OnlineBusinessScams.com asked the consumer to provide the details of the dispute so the site could determine whether to handle the "case."　

Afterwards, the consumer received an information packet that included an envelope addressed to BBB. OnlineBusinessScams.com told the consumer that they would recover his money within 90 days. That time has passed and the consumer has tried to contact OnlineBusinessScams.com and has received no response.　

BBB ADVICE

BBB wishes to remind all consumers that their complaint processing services are free (unless you opt for dispute resolution services of mediation or arbitration via BBB).

Consumers should not pay a third party in order to receive help from BBB. If you have an unresolved issue concerning this company, or any other in the US or Canada, we urge you to file with BBB for resolve at: www.bbb.org

ZAKEN CORPORATION of CA Deceptively Charges for Business Opportunity

8/1/2011

Posted on 8/1/2011 by

ZAKEN CORPORATION of CA

(805) 262-6700
2610 Conejo Spectrum Street, Thousand Oaks, CA 91320
http://www.zakencorp.biz

BBB was made aware of a Spokane-area consumer who engaged with the above-mentioned company in a business opportunity.

SCENARIO

A Spokane consumer reported to BBB that he received a mailer for Zaken Corporation offering a work from home business opportunity starting at $148. He sent the money, and the company sent him a packet on how to sell merchandise for Zaken. Shortly after, they called him with a web site option of $51.95. He signed up for that, and then received a call from his credit card company alerting him that there was a charge for $5,195 that the consumer relayed was not authorized.

Most BBB complaints for this company reflect dissatisfaction with materials received due to misrepresentation of the offer, and incomplete disclosures concerning start-up costs. In general, people report that after purchasing the package, the company does not come up with buyers for the merchandise, does not pay for the liquidated merchandise and does not cooperate with the customers at all.

FULL BBB REVIEW

http://www.la.bbb.org/business-reviews/Miscellaneous-Business-Opportunities/Zaken-Corporation-in-Thousand-Oaks-CA-13164367

BBB TIPS ON BUSINESS OPPORTUNITIES

The BBB generally advises investors considering a business opportunity to take these precautions:

*What is your motivation for becoming involved? Was it the reputation or features of a product or service that you have an interest in- or is it the claims of easy money, free trips, or special discounts on airlines, and cruises.

*If your interest in the business opportunity is based upon options other than the business itself, you may wish to think twice before making a commitment of your time, money and energy.

*Is it a quality product or service?

*Do you have, or can you obtain easily the necessary skills and knowledge to be a successful seller of that product or service.

*Does the company making the offer assign territories, or could they sell the opportunity to anyone in your area that has the start-up fee.

*Does the promoter have a direct phone line, or do they use a voice mail system, where you have to wait for them to return your calls.

*If the opportunity is presented in a seminar, are all details disclosed in writing before you invest your money?

*Ask for names of at least current 10 Investors/Customers - Insist on conducting your own check of the company's operations.

*Ask for detailed financial records for the past three years, and, if the business has made any income claims, ask for written documentation on company letterhead backing up those claims.

*Is the initial investment more than $499.00 and are you required to recruit others as part of the marketing program. If so, the company making the offer may be required to register with the Attorney General's office as a seller-assisted marketing plan.

*Does the business opportunity involve the sale of a product? If the basis for the offer involves recruiting others, instead of selling a product, the opportunity may be a pyramid scheme which is illegal and you may risk prosecution by law enforcement.

*Does the company making the offer allow you to think it over before you invest, or do they demand payment before they give you any details. The BBB notes that in our experience questionable companies always apply pressure to invest on the spot, and do not allow time for the consumer to investigate before they invest.

BBB ADVICE

If you feel you have been victimized by this company, we urge you to 1) dispute any unauthorized credit card charges ASAP, 2) file a formal complaint with BBB at: www.bbb.org and also with your state Attorney General’s Office, 3) check credit card statements regularly for at least a year watching for erroneous charges. If you see any, dispute ASAP.

BBB Gives Parents and Students Tips on Back to School Purchases and Deals

8/1/2011

Posted on 8/1/2011 by

BBB Gives Parents and Students Tips on Back to School Purchases and Deals

With August officially here, we’re already seeing the ads for “back to school deals.” Soon students will be headed back to school! Chances are, you still have some major “back-to-school shopping” to do. Whether your child is headed to high school or college, the Better Business Bureau has some Back-to-School basics.

BASIC SHOPPING DEALS

When shopping for anything from new attire to electronic items, BBB has these tips to help you be a savvy back-to-school shopper:

1. Ask about returns and refunds. Shopping for new clothes, accessories and gadgets is one of the highlights of going back to school. When buying new gear, ask the store about their return policy and always keep the receipts. Stores are not legally required to exchange an item or give a refund.

2. Keep the item in its original box. Many retailers will not accept returns on opened video games, CDs, software or DVDs. And health regulations prohibit returns of hats and other intimate apparel.

3. Ask about restocking fees. Some merchants charge a restocking or "open box" fee — sometimes as high as 20 percent of the original cost — for returns of electronics products or large-ticket items. Ask if that is the policy so that you know before you buy.

4. Shop smart online. Find out the physical location and phone number of the merchant. Read the refund and return policy, have in writing any warranty or guaranty details, be familiar with delivery/shipping costs and time schedules, feel comfortable that the merchant is reliable and not the subject of consumer complaints, and be able to trust that any information you submit to complete the sale transaction (credit card number, etc.) will be treated with the proper care.

5. Carefully check out businesses and deals before signing anything, before paying any money up front, and before releasing any personal or financial information (this includes your Social Security number, mother’s maiden name, credit card, banking account number and other personal data).

COMPUTERS

If your child is in the market for a computer, BBB recommends doing your research:

· Decide what your child’s needs will be;

· What is the computer going to be used for? Word processing, graphic/web design, gaming?

· Determine what type of hardware and software that will be required;

· Find out what you have to do if the computer breaks down;

· Check out the warranty on the computer;

· Call your school or university and ask what other students in the class use;

· Compare prices, and check out the companies with the BBB at www.bbb.org.

CREDIT CARD PLANS

If you are thinking about allowing your college-bound student to sign up for a credit card, do your homework:

· Shop around for the plan that best fits your student’s needs. There are often special offers for students;

· Compare terms and fees before you agree to open a credit card for your student.

· Find out the interest rate on the card, are they introductory rates, and if so, how long do they apply?

· Are there annual fees?

· Check into the transaction fees and any other charges that could be incurred.

APARTMENT RENTALS

In 2011 alone, your regional BBB has seen an increase in online rental scams: rental apartment and house opportunities posted by scammers using fraudulent information to lure you in. The scammers sometimes lift complete profiles from legitimate sources (such as online real estate sites) and use them to purport scams against potential renters.

BBB knows that with the surge in college-bound students returning to school coupled with a surge in first-time renters this time of year, there will be an increase in fraudulent posts.

Red flags are:
*Spelling errors in ads placed
*All correspondence done by email ONLY
*"Required" Upfront fees for "background checks," "IQ tests," "criminal background checks" and/or "deposits" to secure or hold your place
*Wire transfer used as ONLY required method of payment.

BBB issued a warning about this type of activity in the past: http://spokane.bbb.org/article/the-rental-office-of-az-and-canada-posts-questionable-ads-for-rentals-throughout-united-states-24251

BBB urges students and their parents to do their homework prior to making a hasty deal. Make sure that your renter is legitimate. Protect your personal information, and don't give into pressure to act now. Consider doing business with a trusted accredited property management team. Pull a roster here:
http://www.bbb.org/spokane/accredited-business-guide/

For more consumer information, go to www.bbb.org or call 509-455-4200 or 800-356-1007.

Gwinnett Daily Post of GA Reports: Metal Master of GA Scammed Jewelers, Some Were Montanans

7/28/2011

Posted on 7/28/2011 by

Gwinnett Daily Post of GA Reports: Metal Master of GA Scammed Jewelers, Some Were Montanans

Three people were jailed on counts of theft by deception, a felony. They allegedly contacted jewelers in Montana, Arizona, Nebraska and Mississippi, holding themselves out as employees of Master Metals, Inc., and requesting depleted watch batteries for recycling. The batteries can fetch handsome payments from refiners who extract the silver. Police say the three received hundreds of dollars worth of dead batteries and never sent money they had promised jewelers.

In one instance a jeweler told police a woman called him repeatedly soliciting his used metals. He ultimately received an envelope from Masters Metals, similar to many popular cash for gold opportunities, in the mail without asking for it. The jeweler eventually caved and sent $100 in watch batteries in hopes of seeing money returned. As time passed, he researched the business, thought it was a scam and alerted police.

In Waynesboro, Miss., the owner of Henderson Jewelry reported to the Metro Atlanta Better Business Bureau that a woman calling herself “Polly Moore” faxed a UPS pick-up for batteries and never sent a check in return.

The Master Metals business is not BBB accredited and is not listed with the Georgia Secretary of State’s Office.

If you have been a victim of this scam, please file a complaint with the Lawrenceville, GA Police at (770) 339-2443.

Full story here: http://www.gwinnettdailypost.com/crimecops/headlines/Cops_Family_ran_phony_recycling_biz_126298173.html

BBB offers tips to jewelers faced with this opportunity:

1) Do Your Research: Make sure the company you are dealing with is reputable and legitimate before engaging with them

2) Consider Persistence to be a Red Flag: Nobody likes to be high-pressured. If you receive repeated calls from potential opportunities like this, and your initial stance was NO to begin with, consider this to be a tip off to a potential rip off.

3) If something seems fishy, it probably is: When something arrives in the mail that you didn’t ask for, take that as being aggressive selling.

4) Discern the Pitch: If the pitch seems unusual, don’t feel obligated to respond to it.

5) Be Pro-Active: Be pro-active and report such activity to your local authorities by filing a complaint.

Canadian Competition Bureau Sues Yellow Pages Deception That Preyed on Businesses Worldwide

7/28/2011

Posted on 7/28/2011 by

Competition Bureau Sues to Shut Down Business Directory Scam

The Competition Bureau announced today that it has taken action against five companies and three individuals to ban their deceptive marketing conduct targeting small and medium-sized businesses.

An international investigation led by the Bureau uncovered a scheme that marketed online directories to Canadian and international businesses, in violation of the false or misleading representations provisions of the Competition Act.

The network of companies targeted by the Bureau's action include: Yellow Business Marketing Ltd., the Toronto-based agent for Yellow Publishing Ltd. and Yellow Data Services Ltd., both located in Manchester, UK; Yellow Page Marketing B.V., the principal company, and Backoffice Support SL, located in Spain, the administrative support of the operation. The individuals sued are Brandon Marsh, manager of Yellow Business Marketing Ltd. and two Spanish residents, Jan Marks and Steve Green, who directed the scheme.

The network has been in operation since January 2010, and has created business directory Web sites for each of the Canadian provinces and territories. The Web sites follow a common naming convention, e.g. www.yellowpage-ontario.com, prominently displaying the words "Yellow Page".

The Scheme

One-page faxes were sent to thousands of small and medium-sized businesses located throughout Canada and other countries, including but not limited to the United States, United Kingdom, Australia, New Zealand and Austria. Recipients were misled into believing that the fax originated from the Yellow Pages Group, the long-time publisher of paper and online directories and owner of the legitimate Yellow Pages Group trademark, and that its purpose was to simply confirm company information in an online directory.

However, businesses that signed and returned the faxes received invoices demanding payment for allegedly having agreed to a two-year listing in the targets' online directory. Buried in the fine print on the faxes is a difficult-to-locate note that states that those signing the fax are committing to pay the targets $1,428 per year, for a two-year listing in their online directory. If the businesses refuse to pay, then collection actions are initiated. Since January 2010, Canadian businesses have lost millions of dollars as a result of this scam.

International Cooperation

Cooperation between the Bureau and its international law enforcement partners has been invaluable in bringing this action forward. In addition to the support of the U.S. Federal Trade Commission, the Australian Competition and Consumer Commission, and the National Fraud Intelligence Bureau of the UK, the Bureau also acknowledges the support of the International Consumer Protection and Enforcement Network, an organization of consumer protection authorities from almost 40 countries, and the International Mass Marketing Fraud Working Group for playing a key role in assisting international law enforcement agencies.

The Competition Bureau, as an independent law enforcement agency, ensures that Canadian businesses and consumers prosper in a competitive and innovative marketplace.

________

BBB NOTE: The BBB warns businesses to beware of questionable Yellow Pages ad opportunities that don't feel right. Educate and warn staff about such scams that come via fax, phone, email and mail, so they don't become a weak link in your office for the scammers.

US Businesses that receive a bill they feel is suspicious or don’t owe should file a complaint with the BBB (www.bbb.org) or the FTC (www.ftc.gov). If you think you’ve been victimized in a fraud scheme that involves the U.S. Mail, contact the Postal Inspector’s Mail Fraud Complaint Center at 1-800-372-8347.

Businesses can protect themselves by alerting their accounting department or bill-payers to be on the look-out for disguised solicitations and carefully check suspicious bills from entities with which they don't normally do business. To check the reliability of the party that is sending the solicitation, businesses may contact the BBB where the company is located (www.bbb.org).

VIVINT of UT Draws Red Flags with KENCO of MT Customers

7/27/2011

Posted on 7/27/2011 by

VIVINT of UT Draws Red Flags with KENCO of MT Customers in Billings, MT

On July 25, 2011, BBB received a call from the owner of Kenco Security and Technology of Montana, a security alarm system company, reporting that Vivint, Inc. of Provo, Utah was misusing their good name by door-to-door reps operating in the Billings area.

Specifically, that Kenco customers are reporting questionable pitches being made by Vivint reps about their current Kenco security system, including the statement that “Kenco is working with them, and they are there to "upgrade" your system. This statement is not true.

BBB urges customers to confirm or verify random statements made by reps about your current security system with the proper sources prior to saying yes or signing to change anything. If you have further questions about your Kenco contract, contact Kenco directly. If you have an unresolved issue concerning a newly installed system, file a formal complaint for resolve at: www.bbb.org You can also file dually with your state Attorney General's office.

According to BBB of Utah, Vivint's "D" rating can be attributed to the company's government actions and 1,416 complaints with BBB. The majority of BBB complaints deal with product and service issues.

BBB serving Eastern WA, North ID and MT issued a warning on APX Alarm Security Solutions in 2010 (tip #5): http://spokane.bbb.org/article/bbb-twice-a-month-tips-you-can-trust-for-the-week-may-17-2010-19579

And more recently, on June 15th, 2011, issued this warning to Montanans:

http://spokane.bbb.org/article/Vivints-Sales-Tactics-in-MT-Generate-Inquires-27919

BBB ADVICE

First and foremost, BBB urges customers to confirm or verify random statements made by reps about your current security system with the proper sources prior to saying yes or signing to change anything. If you have further questions about your Kenco contract, contact Kenco directly.

Time is on your side. Don't rush important decisions. Businesses truly interested in making a sale should allow consumers time to consider and compare.

Ask questions. Don't hesitate to ask for additional details, contact information and references. Make sure to get the solicitor's credentials—especially when security issues are at stake.

Cool off. The Federal Trade Commission’s Cooling-Off Rule gives customers 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.

Before making any in-home purchase, visit bbb.org for updated BBB Business Reviews with complete background information and complaint history.

If you have an unresolved issue concerning the company after having spoken directly with them (via company contact info in BBB review), be pro-active and file a complaint with BBB for resolve at: www.bbb.org as well as your state Attorney General’s Office.

BBB Industry Tips

1. Some companies will offer a "free" alarm system. While the equipment and installation may be free (make sure this is in writing), there is a monthly monitoring fee. When you compare costs, make sure you compare all the costs.

2. Find out about local building codes and regulations regarding burglar alarms (including costs for false alarms).

3. Check out the company that will be monitoring your system. Ask if it is the same company you are signing a contract with. If not, make sure you obtain the name, address and phone number of this company.

4. Consider advantages and disadvantages of each system and decide which will be best for your particular situation.

a. Does the company call you first before notifying the police?
b. Does the company call the police first?
c. Does the company have a security patrol car that will check out the alarm and if necessary call the police?
d. How soon after the alarm sounds will you be notified?
e. What happens if the alarm company is unable to reach you when the alarm is sounding? Is the alarm reset? Are the police called? Are alternate numbers called?
f. Ask for procedures in writing, so you are aware of the steps and can anticipate how you can best handle the situation.

5. Deal only with reputable firms and check out the company at the Better Business Bureau's website, www.bbb.org.

6. Don't be pressured into buying something you don't want or need. A reputable company will let you check out the offer and compare bids from several installers.

7. Make sure it includes all promises made by the sales person. If the promises are not in the contract do not sign the contract.

8. Study the contract carefully. Confirm information such as:

a. Installation price
b. Monthly price
c. Length of the contract (most contracts are for at least two years)
d. That any free or discount offers have been added
e. Cancellation time frame to cancel the contract. The Federal Trade Commission requires that at least three days be provided (www.ftc.gov, three day cooling off rule).

9. If you are planning on moving ask what happens with your contract, and get that information in writing from the sales person.

10. After your purchase, make sure you check the system routinely to be sure it is in working order.

11. If you are having problems with your alarm, make sure you document dates, times, who you talked with, who came out and what was fixed.

GIFT CARD SCAM CALLS USED TO LURE PEOPLE AWAY FROM HOME TO COMMIT THEFT

7/21/2011

Posted on 7/21/2011 by

Here is a scenario relayed by the Spokane Police Department this morning to BBB that BBB wants others to be aware of:

A senior citizen called police to report a residential burglary yesterday. A female called the victim, claiming to be from Safeway, offering the victim a $100.00 gift card as a result of a current promotion. The suspect asked the victim to come to the store and claim her card.

When the victim contacted the store’s customer service desk, she was advised no such promotion was going on. The victim returned home to find that in the short time she had been gone; her home had been broken into.

Currently, police do not have any suspects or witnesses.

While more a case of burglary, there was an element of fraudulent activity that lured the victim from her home so burglars could rob her: a call posing as a familiar entity to many, Safeway.

BBB ADVICE

It almost goes without saying, if you are victim of such a situation, report the burglary ASAP to your local police so they can begin an investigation ASAP.

Watch calls you get with random pitches like this. If someone calls stating you’ve “won” or been “gifted” or “prized” with a card or anything of value, think twice, and act smart. Especially if they use the name of an official entity, make certain that you go “off the call” and not take what they are saying as truth, and contact the official entity (in this case, Safeway) and ask them whether they were the ones truly calling or not (before believing, agreeing to, or accepting the offer or winning.)

SPOKANE POLICE REPORT

http://www.spokanepolice.org/news/default.aspx?ID=1460

Federal Trade Commission Settles with Countrywide

7/20/2011

Posted on 7/20/2011 by

Federal Trade Commission Settles with Countrywide

The Federal Trade Commission (FTC) sued Countrywide for unfair and deceptive practices in servicing the mortgages of homeowners in default or Chapter 13 bankruptcy. The settlement requires Countrywide to pay $108 million in refunds. The FTC will begin sending refunds to eligible homeowners in late July 2011. If you're eligible, you'll get a check in the mail. If you receive a check and want to confirm or verify your participation or the validity of the check, contact the FTC directly via: www.ftc.gov

Full release with order info and details about the case:

http://ftc.gov/bcp/cases/countrywide/index.shtml

ID AG: Payday Lender Flobridge Group LLC of UT to Pay Restitution to Idaho Borrowers

7/19/2011

Posted on 7/19/2011 by

(Boise) – Idaho consumers are eligible to receive restitution payments from a Utah payday lender that was not licensed and attempted to garnish wages without a court order, Attorney General Lawrence Wasden said today. Under terms of a legal settlement with Wasden’s office, Flobridge Group, LLC must pay refunds to borrowers who paid the Springfield, Utah, company after receiving collection notices, wage garnishment requests or court documents.

Last spring, the Idaho Department of Finance banned Flobridge Group from engaging in payday lending in Idaho because it never obtained a license from the department.

The Attorney General opened an investigation into the company, based on reports from consumers. The investigation revealed that when borrowers missed a payment, Flobridge Group repeatedly called, emailed, and texted borrowers and their employers, threatening legal actions that the company had no authority to take. Consumers also reported that the company contacted borrowers’ employers and told them that state law allowed Flobridge Group to garnish borrowers’ wages without a court order.

The Consumer Protection Act prohibits creditors from engaging in deceptive debt collection practices and, except in limited circumstances, a creditor must have a court order to garnish a debtor’s wages.

“My office is committed to holding creditors and collection agencies accountable when they violate consumer protection laws,” Wasden said. “While borrowers must pay their debts, that obligation does not authorize creditors to ignore the law or harass borrowers.”

The settlement agreement requires Flobridge Group to refund the money it collected from Idaho borrowers after the borrower or the borrower’s employer received:

· a written collection notice;

· a summons, complaint, judgment, lien or other legal notice; or

· wage or bank account garnishment documents.

Wasden encouraged Idahoans who believe they are eligible to receive restitution to file a complaint form with his office. Complaint forms must be submitted to the Attorney General before September 12, 2011.

For more details about the restitution process, eligibility requirements and how to file a complaint, consumers can visit the Attorney General’s website at www.ag.idaho.gov. Complaint forms are available on the website or by calling the Consumer Protection Division at 208-334-2424.

In addition to paying restitution, Flobridge Group must:

· rescind negative credit information from consumers’ credit reports;

· stop all pending collection activities in Idaho, including third-party collection efforts; and

· release all liens or judgments filed against Idaho consumers.

The company is prohibited from lending in Idaho until it obtains a license from the Department of Finance and may not collect on outstanding loans made to Idaho borrowers while it was engaged in unlicensed lending activities. Flobridge Group also reimbursed the Attorney General $2,200 for his attorney’s fees and costs.

Payday loans, which can have interest rates over 1000%, can be dangerous for consumers. Without thoroughly understanding the repayment terms and the consequences of not repaying the debt promptly, the amount owed can quickly spiral out of control.

Free consumer education manuals regarding credit and debt issues, collection agencies, mortgage loan modifications and other financial matters are available on the Attorney General’s website or by calling the Consumer Protection Division.

BBB NOTE: Here is the BBB review on this company http://www.bbb.org/utah/business-reviews/payday-loan-companies/flobridge-group-in-springville-ut-22271281

CORPORATE TRAVEL Sending Unauthorized Faxes to Businesses

7/19/2011

Posted on 7/19/2011 by

CORPORATE TRAVEL Sending Unauthorized Faxes to Businesses Offering Travel Package Deals

888-325-4014 (Reservations)
888-393-1379 (Fax for Removal)

Faxes Display the BBB Accredited Business Logo without Authorization

A Montana business made us aware of an unsolicited fax being sent by a group called "Corporate Travel" offering employers "discounted travel voucher" package deals. The fax had the BBB accreditd business seal displayed on it. BBB contacted the company using the 888# provided and when we asked where they were located, the rep stated, "We can't give that out because all offers are already taken." A variety of subjective posts online state that even when they call the 888# to be removed from receiving faxes, the company does not pay heed to the request, and continues tro send them.

BBB finds this group to be highly deceptive, and is misusing the BBB logo when it doesn't have authorization to do so. It is also violating the federal Do Not Call rules.

BBB TIPS
For tips on this type of questionable activity re: travel vouchers, and travel deals in generaL, go to:

http://www.bbb.org/us/article/bbb-warns-of-deceptive-travel-related-promotions-603

BE PRO-ACTIVE, FILE COMPLAINTS

We encourage businesses that receive these unsolicited faxes to report them ASAP to the proper agency, the FCC, here: http://www.fcc.gov/complaints

If you see the BBB logo displayed on anything of interest, contact your BBB directly for a review or to report it for further investigation. There are many instances of BBB logo abuse, and BBB takes this abuse seriously, and is pro-active about it.

BBB Consumer Alert—Phone Scam Running its Course Through USA

7/19/2011

Posted on 7/19/2011 by
BBB Consumer Alert—Phone Scam Leaves Auto-Dial Messages Stating Debit Card is "Locked"

Consumers in various parts of the country are reporting to the BBB that they are receiving auto-dial telephone calls on both cell and land line telephones with messages telling consumers that their debit cards have been frozen and they need to press 1 to correct the problem. As soon as they do that, it tells them to press 2 and enter their card number.

Our local Spokane man received a text message that his card had been “locked.” The text came from 530@achieve.com which is a spoofed email address that goes directly to scammers. If you respond to this email, and give your personal info, you are handing it over to the scammers and not an official entity.

BBB ADVICE

BBB warns consumers not to fall for this scam, and to protect your personal information and not give it out. Don't reply to the email. Hang up immediately if you receive this as a call. If you feel you are a victim, report it to your bank ASAP, file a police report, and regularly check and monitor all accounts for any fraudulent activity. Report any erroneous errors ASAP to the proper sources. You will also want to file a complaint with the FBI's complaint center at: www.ic3.gov if you have compromised info.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers reply on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

Montana Woman Gets Surprise Visits from Strangers Looking to Rent Her House due to Fake POSTLETS.COM Post

7/18/2011

Posted on 7/18/2011 by

Montana Woman Gets Surprise Visits from Strangers Looking to Rent Her House due to Fake POSTLETS.COM Post

Woman Has No Current Offer to Rent Her House

Over the weekend, BBB received a scenario from a Montana woman stating the following:

SCENARIO

Someone at postlets.com listed my house for rent without my knowledge, and they are corresponding with people using my name. Today I had 5 people show up at my door saying they wanted to rent the house and that they were told the house was empty. I'm very concerned that people are being told the house is empty and are coming around the property when I'm not here. I'm also concerned that someone will send them money and try to move in here or accuse me of taking their money when it is not me listing the property. Please let me know what I can do to correct this problem and protect myself and my property.

This is the type of fraudulent activity that Craigslist gets plagued with, as postlets.com is a legitimate web site for posting real estate offers. A scammer has lifted the profile of our MT woman’s property, and is misusing it to purport a scam via postlets.com.

BBB ADVICE

If you find yourself in this type of situation, BBB suggests that you:

*Depending on where you live, file a police/sheriff’s report ASAP.

*File a complaint with the FBI’s Complaint Center at: www.ic3.gov for the misuse of online platforms.

*Contact postlets.com ASAP and file an abuse complaint with them, seeking the resolve of removing the post.

*Post a sign on your property door explaining to people the situation asking them not to bother you.

*Contact your local favorite news outlet and ask them to do a story warning people of such scams.

406# BEING USED BY CALL CENTERS TO MAKE QUESTIONABLE PITCHES NATIONWIDE: 406-948-8156

7/18/2011

Posted on 7/18/2011 by

406# BEING USED BY CALL CENTERS TO MAKE QUESTIONABLE PITCHES NATIONWIDE: 406-948-8156

HARD TO TRACK # BEING USED IN ATTEMPT TO FAKE OUT CALLERS, HIDE TRUE IDENTITY OF ENTITIES CALLING

Your regional BBB wishes to warn people nationwide that there is a supposed “Glendive, Montana” 406# number that is popping up on Caller ID that has been harassing callers with persistent contact, rudeness, and is in violation of the Do Not Call List aka when people request to be removed from the list, it doesn’t happen, and the calls sometimes increase as a result of the request.

Here is an online call log showing that this group is harassing people:

http://www.numberinvestigator.com/phone/406-948-8156.html

It seems by the call log posts that consumers are being asked about various aspects of their home---safety, etc. BBB cannot determine a specific industry or product/service being pitched, and believes this number is being used for various questionable pitches.

When you call the number, it only offers a generic voicemail that states, “If you want to be removed from our call list…” and then it hangs up on you, giving you no options.

BBB ADVICE

The Montana Attorney General’s Office of Consumer Protection has also received a lot of inquiries about this group. The MT AG came to find that this 406 number belongs to an unknown out-of-state company that purchased/leased the Montana phone number from a telemarketing company that purchased/leased it from a Los Angeles based competitive local exchange carrier (CLEC) named Pacific Telecom. The calls are not coming from Montana. Please see the three tiered call sequence below:

1. Pacific Telecom of CA (CLEC)

2. A telemarketing company --

3. The unknown out-of-state company which called you from (406) ***-****

What is a CLEC?

http://www.leonead.com/CLECissues.html

The MT AG’s office and the BBB are advising consumers to file complaints directly with the Federal Trade Commission either by calling (877) 382–4357 or by visiting www.ftc.gov against Pacific Telecom, 12228 Venice Blvd Ste 559, Los Angeles CA 90066.

SEARCH AND RESCUE CHARITIES of OR Calling Spokane Area Soliciting Donations for Area “Search and Rescue” Efforts

7/18/2011

Posted on 7/18/2011 by

SEARCH AND RESCUE CHARITIES of OR CALLING SPOKANE AREA SOLICITING DONATIONS FOR “SEARCH AND RESCUE” EFFORTS IN AREA

Do Your Homework Prior to Donating

Search and Rescue Charities
866-588-9869
www.sarcharities.org

3760 Market Street NE #602
Salem, OR 97301-1826

PO Box 1611
Tacoma, WA 98401-1611

BBB received a call this week from Spokane County Emergency Management relaying that it was made aware that the above mentioned charity is soliciting area citizens by phone for donations for local search and rescue efforts. This group states that your "donation" will directly help the search and rescue activities in your area.

Spokane County Search and Rescue confirmed with BBB that one of their canine rescue groups has worked with this charity in the past, particularly, just last year, but had not yet discussed partnering again this year.

A concern that BBB has about this type of verbal agreement is that there is an assumption by the charity that it is okay to continue to use the name of search and rescue groups without a written contract stating what the charity will truly get as a result of using their name in pitches. Usually a charity will enter into an agreement with a group it partners with, and present the projected percentage of donations the organization will or may receive from the charity each year.

BBB CHARITY REVIEW HERE

http://www.bbb.org/oregon/charity-reviews/charity-local/search-and-rescue-charities-in-salem-or-22429035

This charity is currently registered with the WA State Secretary of State’s charitable division: http://www.sos.wa.gov/charities/search_detail.aspx?charity_id=4914

BBB ADVICE

Be a WISE donor! Always be cautious of phone solicitations that use official names to draw you into their plea. Check out any solicitors asking for donations directly with the group they say they represent. If the official agency hasn't heard anything about them, then think twice about donating to them, and report it to your BBB and your local law enforcement.

BBB TIPS

First and foremost, if you wish to donate to your local or regional search and rescue efforts, make the effort to give directly to the search and rescue group itself.

Check out charitable solicitors by contacting your Secretary of State with whom they must register PRIOR to donating. Take into consideration the following guidelines as well, from the BBB Wise Giving Alliance:

Watch Out For Name Confusion
Look carefully at the charity's name on the appeal. Many of the more than 850,000 organizations that have received charitable tax-exempt status from the IRS raise money for the same cause, and names that sound similar to those of well-known organizations are often used to confuse. If you receive a telephone solicitation, ask questions and don't hesitate to request all information be mailed to you. If your request is refused, hang up.

Question Vague Appeals
Make sure the charity's appeals clearly identify the nature of the charity's programs. For example, if the charity says it's helping people displaced by a disaster, does it explain how it is helping (through shelter, food, or medical care) and where it is providing this help? Again, ask questions and listen carefully to the answers.

Don't Give in Easily
Don't be pressured to make an immediate, on-the-spot donation, particularly if a solicitor is at your door asking for a "cash-only" donation. Charities should welcome your gift whenever you want to send it, and should be willing to take donations via check or credit card.

Remember, Not All Soliciting Groups Are Charities
If you want to take a charitable deduction for federal income tax purposes, make sure the organization is tax exempt as a charity under section 501(c)(3) of the Internal Revenue Code. To verify a charity's tax status, visit the IRS Web site or call 1-877-829-5500.

If you have an unresolved issue concerning a charity, file formal complaints with your BBB at: www.bbb.org and your state AG's Office.

Summer Warnings: Hotel Guest Scam Calls and Craigslist Scam Tips

7/11/2011

Posted on 7/11/2011 by

HOTEL GUEST SCAM CALLS: Know about this one if you are Traveling, Staying in Hotels/Motels along the Way

Better Business Bureau is alerting tourists and hotel/motel staffers of a scam that has surfaced this summer plaguing hotels and their guests. Scammers are obtaining credit card information from hotel guests over the phone.

How it Works

Fake calls are typically made in the middle of the night. The fake caller indicates they are a hotel employee, and that the hotel computer system has crashed. (NOT) In order to complete the hotel audit, they must have your credit card number. (NO WAY)

These callers are very convincing, and many hotel guests are falling for this scam. If you own or work at a hotel or motel, please alert your guests of this scam.

If you are a guest, remember not to provide credit card information over the phone during your stay to anybody except face-to-face with the front desk clerk, if necessary. If there is ever a problem with billing, staff will handle it at the front desk, not by phone.

CRAIGSLIST SCAMS KEEP COMING

BBB has been getting many reports of various Craigslist scams operating in various parts of the country/region this summer. The FBI’s Internet Crime Complaint Center (www.ic3.gov) and BBB state that in order to protect themselves, consumers should follow these basic guidelines:

• Check a seller's reputation. Check feedback ratings and reports from the Better Business Bureau, as well as your state Attorney General’s Office. Never give out personal or financial information unless you know the seller is legitimate.

• Contact the seller in person. Verify the seller's physical location and phone number. Deal locally with sellers you can meet in person. Always meet in a public place and bring someone with you for safety. Limit the amount of personal information you give to a seller. Only reveal what is absolutely necessary.

• Be wary of requests for wire transfers. Requests for wire transfers often signal fraud. Instead of wiring money, pay with a credit card, if possible. When you pay by credit card, your transaction is protected by the Fair Credit Billing Act—a federal law that gives you the right to dispute unauthorized charges.

• Keep printed records. Print purchase confirmations and all other documents related to your transaction.

• Trust your instincts. If it sounds too good to be true, it probably is. If you suspect fraud, report it to Craigslist’s Abuse Center ASAP, your local BBB office, as well as your state Attorney General's Office. If you feel that personal sensitive info is at the risk of being compromised, or has been compromised, file a police report, as well, to start a paper trail. Check financial statements regularly for erroneous charges.

EMAILS COMING FROM NACHA.ORG ARE PHISHING SCAMS

7/11/2011

Posted on 7/11/2011 by

EMAILS COMING FROM NACHA.ORG ARE PHISHING SCAMS

SUBJECT: ACH Payment Canceled

SCENARIO TO WATCH FOR

It was brought to BBB’s attention by a Helena professional that he received this email in his work INBOX:

From: <admin@nacha.org>
Date: 2011/7/7
Subject: ACH payment canceled
To: XXXX

The ACH transfer (ID: 32583XXXXX), recently initiated from your checking account (by you or any other person), was canceled by the Electronic Payments Association.

Please click here (XXXX link removed by BBB for safety) to download further information

If you have any questions or comments, contact us at info@nacha.org. Thank you for using http://www.nacha.org.

The Helena man did the right thing by NOT clicking on links or sharing personal info, but by “going off the screen” and contacting NACHA directly to ask about this questionable email he received. NACHA immediately asked, “Is this call about the email you received? It’s a scam.”

BBB ADVICE

NACHA.org has done the right thing, and has posted a warning to its web site here for those with questions or concerns:

http://www.nacha.org/news/newsDetail.cfm/RecentBusinessNewsID/236

BBB TIPS

The FTC, in partnership with the BBB, has produced this video to make people aware of the dangers of phishing scams. It also gives you tips on where you go for further info and how to report phishing scams:

http://video.bbb.org/videos/Phishing+Scam+Protection

Be “Quick” and Keep Your Business Savvy and Up to Speed with QR Codes

7/6/2011

Posted on 7/6/2011 by

Be “Quick” and Keep Your Business Savvy and Up to Speed with QR Codes

Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website. BBB offers some “quick” tips for businesses considering implementing Quick Response (QR) codes for their business.

So what is a QR code, exactly? These 2 dimensional barcodes, which originate back to circa 1994, aren’t exactly new, but are now being used in fun, innovative, business savvy ways that are luring in customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be read quickly by your smartphone. Think of a barcode that can store much more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless. A business can use a QR code to show information such as directions to their business, their company’s BBB Business Review or even a URL that the viewer can click to receive a coupon. You can even put a QR on your business card with a link in the QR that takes the recipient directly to your website. Or add a QR that contains your contact information making it easy to add that info to a cell phone.

So what are other ways to use the code? And are there any risks? BBB offers the following “quick” tips to businesses who are considering a QR code:

Where to display? Many businesses are turning to the windows of their store, paper advertisements, business cards, email signatures, shirts, mugs, ties and other products to display their businesses’ QR code. Some businesses are even using the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

How do you generate your own QR code for free? Many sites offer a free QR generator that spits out an easily copied code that can be used as a template for all of your QR code needs.

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place. Like any other malicious website, QR codes can potentially direct you to a harmful website that can ultimately lead to a virus infiltration on your smartphone.

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

Summer Brings Highest Rate of Burglaries – Is Your Home and/or Business Secure?

7/5/2011

Posted on 7/5/2011 by

Summer Brings Highest Rate of Burglaries – Is Your Home and/or Business Secure?

Don’t Just Rely on a Security System to Protect, Be Pro-Active and Report What You See

According to the FBI, the summer months of July and August have the highest rates of burglaries. Several cuts to various regional law enforcement property crimes division budgets are forcing many to step up their awareness of their surroundings even more and report suspicious activities, such as car prowling and the removal and theft of car parts, of particular interest, batteries and catalytic converters.

Same goes for protecting your home. Just yesterday, the Spokesman Review offered tips on how to protect your property from theft.

What does all of this mean? Nobody is watching our backs 24/7. We need to take control of our surroundings, become more aware of what is going on around us, and be pro-active to report suspicious activities ASAP to your local crime prevention hotline, where there may be an actual reward for solving a crime based on a tip you have given.

BUSINESSES

Start with a business plan, too, which covers everything from disaster preparedness to internal protection measures. Get started here if you haven’t one: http://www.ready.gov/business/plan/index.html Businesses also need to take better measures to secure their clients’ personal data, as 2011 has already revealed that data breaches are topping the charts in fraud activity. BBB suggests that businesses take time to assess their security and privacy protections in place. Start with BBB’s Security Made Simpler: http://www.bbb.org/data-security/intro-to-small-businesses/

INDIVIDUALS

Finally, it makes sense that many individuals could use some additional help in their quest for peace of mind. With that in mind, Better Business Bureau is advising homeowners, who are looking to secure their property this summer (which also includes vehicles in garages), to do their research when picking a home security system.

FACTS

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

BBB TIPS

BBB advises you to do the following when looking to invest in a home security system:

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.

Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? These are the types of questions you need to consider before you obligate yourself to a long-term contract.

Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. Ask for a complete inspection of your property and an itemized written estimate. Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.

Missing Military Medals Merit Further BBB Review

6/30/2011

Posted on 6/30/2011 by

DuPont, Wash. – June 30, 2011 – Semper Fi Enterprises, based in Canby, OR isn't "always faithful" when it comes to resolving complaints. Better Business Bureau has received 34 complaints on this company in the last three years; 27 remain unanswered.

Although www.semperfienterprises.com and www.usmcmedals.com tout "fast service" on medals, ribbons and awards for military personnel, some customers say that orders never arrive or are delivered later than expected. After paying, some claim that inquiries to 503-922-0093 and CustomerService@USMCMedals.com go unreturned.

Due to its complaint history, Semper Fi Enterprises earns an "F" rating with BBB serving Alaska, Oregon and Western Washington.

Be cautious when purchasing manufactured medals. Find honorable "Awards – Production and Engraving" companies on bbb.org. Also, research customer reviews on the Web.

Be careful when mailing awards, medals or valuables for remounting. If items are irreplaceable, don't let them out of sight. Consider using a local company with a physical location to visit.

Be on guard against companies targeting military personnel. BBB's Military Line helps military members, veterans and their families make smart shopping choices; free resources are available at http://spokane.bbb.org/Military/

NATIONAL INSURANCE CRIME BUREAU RANKS SPOKANE #4 IN CAR THEFTS FOR 2010

6/29/2011

Posted on 6/29/2011 by

NATIONAL INSURANCE CRIME BUREAU RANKS SPOKANE #4 IN CAR THEFTS FOR 2010

Crime Stoppers Inland NW Encourages Citizens to

Report Car Theft and Car Prowling Tip Offs to Rip Offs

The National Insurance Crime Bureau recently issued the top ten cities most hit by car thefts in the United States. Results? Spokane ranks #4.

Why? Theories abound, yet one of the more practical is that Spokane has a high number of older model cars which are popular with thieves. Newer models have anti-theft devices installed.

What does this ranking mean for Inland NW citizens? Lock your car, be aware, and above all, report the crime.

“These three moves can help prevent car theft and that makes for safer neighborhoods in our communities,” states Eric Green, President of Crime Stoppers of the Inland NW. “Crime Stoppers relies on cooperation between law enforcement, local media and the community to provide a flow of information about crime and criminals.”

The Crime Stopper’s Tips Line can be accessed anonymously via phone or online. A person can receive cash rewards up to $1,000 for a tip that results in the solving of a crime.

HOW TO REPORT CAR THEFT ACTIVITY TO CRIMESTOPPERS

*Call the hotline: 800-222-TIPS, 509-327-5111 or 208-667-2111. Callers do not have to provide their identity.

*Provide an anonymous web tip online at: https://www.tipsubmit.com/WebTips.aspx?AgencyID=643

Crime Stoppers How to Report a Crime Page

http://www.crimestoppersinlandnorthwest.org/howitworks.aspx

ANTI-THEFT TIPS

NICB recommends following these four “layers of protection” against vehicle theft:

Common Sense – The common sense approach to protection is the easiest and most cost-effective way to thwart would-be thieves. You should always:

• Remove your keys from the ignition

• Lock your doors /close your windows

• Park in a well-lit area

Warning Device – The second layer of protection is a visible or audible device which alerts thieves that your vehicle is protected. Popular devices include:

• Audible alarms

• Steering column collars

• Steering wheel/brake pedal lock

• Brake locks

• Wheel locks

• Theft deterrent decals

• Identification markers in or on vehicle

• VIN etching

• Micro dot marking

Immobilizing Device – The third layer of protection is a device which prevents thieves from bypassing your ignition and hot-wiring the vehicle. Some electronic devices have computer chips in ignition keys. Other devices inhibit the flow of electricity or fuel to the engine until a hidden switch or button is activated. Some examples are:

• Smart keys

• Fuse cut-offs

• Kill switches

• Starter, ignition, and fuel pump disablers

• Wireless ignition authentication

Tracking Device – The final layer of protection is a tracking device which emits a signal to police or a monitoring station when the vehicle is stolen. Tracking devices are very effective in helping authorities recover stolen vehicles. Some systems employ “telematics” which combine GPS and wireless technologies to allow remote monitoring of a vehicle. If the vehicle is moved, the system will alert the owner and the vehicle can be tracked via computer.

FULL NICB REPORT

https://www.nicb.org/newsroom/nicb_campaigns/hot_spots/Hot-Spots-2010

NICB’s Hot Spots report examines vehicle theft data obtained from the National Crime Information Center (NCIC) for each of the nation’s MSAs. MSAs are designated by the Office of Management and Budget (OMB) and often include areas much larger than the cities for which they are named. For example, the Fresno, Calif., MSA includes all thefts within the entire county of Fresno, not just the city of Fresno.

Crime Stoppers of the Inland Northwest (CSINW), a 501 (c) (3) organization, was originally founded in 1970 and known for many years as Crime Check of Spokane County. Over its 30+ years, CSINW has started and been involved with many valuable programs that have helped to further the mission of building safer communities. The Vision of Crime Stoppers is to establish Crime Stoppers as the premier community-based crime solving program. Its Mission is to develop innovative resources and partnerships that promote Crime Stoppers. Goals include building a strong communications network among law enforcement, local media, and the general public, and assisting law enforcement in the solution of crime in the community. For more information visit: www.crimestoppersinlandnorthwest.org

BBB Focus on Sweepstakes and Lottery Scams

6/29/2011

Posted on 6/29/2011 by

Fraudulent win notices for lotteries or sweepstakes promise prizes or big bucks and ask for personal information or funds to cover taxes or fees. Consumers often receive a check with their win notice, which turns out to be fraudulent.

Red Flags

· Application asks for detailed personal information.

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

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

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

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

Problems Reported

Personal information required on applications: Some applications request detailed personal information. If the source is illegitimate or the privacy policy is ambiguous, consumers who provide personal or financial details could become victims of identity theft or financial fraud.

Fake win notice: A consumer receives a win notice, check and instructions to forward funds for shipping, taxes or other fees. The check ends up being fake or stolen from another person or business. Lucky people who try to deposit the scam check get stopped by a bank teller. However, with better printing and computer technologies, consumers are often able to deposit the check. After transferring funds, victims discover they’ve actually transferred funds to the scam artist. Then the money from the check never comes or arrives but is stolen from another person or business’ account. This can put a freeze on the consumer’s account and requires the consumer to pay back the money to the rightful owner, including the funds they thought they sent for fees, but actually sent to the scam artist.

BBB Tips

· Check out businesses. Get a free BBB Reliability Report at www.bbb.org.

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

· Verify that the check is legitimate. Independently verify that the check is drawn from an actual account at a legitimate financial institution. Do not rely on the telephone number listed on the check. Use directory assistance to get the telephone number of the financial institution and call them to verify the check. Do not use the money until the funds have been collected by your financial institution. Funds “availability” is not good enough. It is a red flag if the company name on the check does not match the name of the business writing the letter.

· Beware of foreign lotteries. Playing a foreign lottery, via telephone or mail, is against federal law.

Specific Scheme Examples

Publishers Clearing House Win Notice. Fake sweepstakes notices or phony calls come from Publishers Clearing House (PCH) impersonators promising a huge prize. Tips to identity real vs. fake PCH sweepstakes can be found at pch.com.

· Prize winners will not be notified by phone or regular mail. Consumers who win over $10,000 will be awarded in person by the PCH Prize Patrol, with no advance notification. Those who win less than $10,000 will receive an affidavit via certified mail. Additionally, PCH does send out post cards and mailings promoting their services and surveys.

· At the real Publishers Clearing House, the winning is always free. Do not send or wire any money in order to collect the prize. Don't trust anyone requesting payment for "taxes," "custom fees," "border security" or other purported reasons.

· If suspicious of a fraudulent call, letter, e-mail or check from someone claiming to be from Publishers Clearing House, contact the actual PCH at 1-800-645-9242 then press 5.

Reader's Digest Sweepstakes Win Notice. Fake Reader's Digest Sweepstakes have been circulating across the country for years. To appear legitimate, fake letters sometimes use well known business logos or misuse BBB's Accredited Business logo to falsely imply BBB Accreditation. The real Reader's Digest is a BBB Accredited Business and does have a real sweepstakes; however, scam artists frequently impersonate them. To check legitimacy:

1. Visit the legitimate Reader's Digest Sweepstakes page at www.rd.com/sweepstakes.

2. Don't call the phone number on the notification; use a trusted Reader's Digest source. Their website shows the customer service number is 1-800-310-2181.

Better Business Bureau Lotto Scam. Consumers receive a call, e-mail or knock on the door from a person saying they won the BBB Lotto. Some callers claim to be from Winners International and others claim to be with Better Business Bureau.

Tips:

· BBB does not have a lottery.

· BBB does not solicit door-to-door.

· Verify claims that use BBB's name. Visit www.bbb.org to find contact information for your local office: Call to ask questions regarding BBB, report false use of BBB's name, or verify if a caller is a legitimate BBB representative.

Report Scams
If you receive a fake check, dispose of it properly by shredding it. If victimized by a fake or stolen check:

· Report check fraud to the Federal Trade Commission at www.ftc.gov.

· Report postal mail fraud to the U.S. Postal Inspection Service at http://postalinspectors.uspis.gov.

· File complaints against businesses at www.bbb.org.

· If the phony check was drawn on a federally insured financial institution contact the Federal Deposit Insurance Corporation at 877-275-3342 or www.fdic.gov.

· If the phony check was drawn on a foreign bank, contact the United States Secret Service by visiting www.secretservice.gov.

· If the phony check comes from scam artists impersonating a real business or organization, notify that business or organization.

TWJ Property Management Security Job Post is an Inland NW Craigslist Job Scam

6/27/2011

Posted on 6/27/2011 by

TWJ Property Management Security Job Post is an Inland NW Craigslist Job Scam

A local Spokane man answered an employment ad on Craigslist offered by TWJ Property Management. In the process of him applying, they stated that they required a credit score from him and had him go to a specific site to gain that info. That site is www.mycreditscore.com

He paid $8 with a debit card, which listed the transaction as a “foreign ATM charge.”

Be wary of Craigslist job posts that operate by email only requesting information for a purported background check, IQ test or credit report prior to consideration for employment. The scammer usually directs the job hunter to a fake or floating web site that can be used to steal personal information. Craigslist has warnings posted to its site about this type of fraudulent activity.

BBB NOTE

The ad in question has been flagged for removal by Craigslist, but may resurface elsewhere. Beware.

Online Warning Posted:

http://www.e-classifieds.me/view-listing/2450052858.php

BBB TIPS

In addition, BBB offers the following tips for finding a job through online searches:

Exercise caution. When using social networking sites and online employment sites, be sure to check the Web site of the company posting the advertisement. Many scams use names that are similar to reputable companies to trick job seekers.
Start with trust. Check the BBB Reliability Report™ of a company at www.bbb.org to see if it has been associated with a prior employment scam.
Never pay upfront fees. No legitimate job offer will require out of pocket expenses from a potential employee for background checks, credit reports, IQ tests or administrative fees before an interview. Additionally, job seekers should never provide bank account information for direct deposit setup until they have officially been hired.
Be careful of the “perfect offer.” Job seekers should be cautious of any posting advertising extremely high pay for short hours or minimal required experience. If it sounds too good to be true, it probably is.

BE WARY OF LETTING TCT INVESTMENTS LLLP of CA HELP YOU GET A LOAN OR REPAIR YOUR CREDIT

6/27/2011

Posted on 6/27/2011 by

BE WARY OF LETTING TCT INVESTMENTS LLLP of CA HELP YOU GET A LOAN OR REPAIR YOUR CREDIT

Company Lacks Proper Licensing in CA, Not Registered in WA, Targets Vulnerable Populations

http://www.tctinvestmentslllp.com
3200 Gausti Road Suite 100
Ontario, CA 91761
909-456-1423 Fax 909-456-1426
EWA Contact #: Idolina Gonzalez 509-985-5666

A homeless woman using a Spokane shelter reported to BBB that she found a flyer posted offering financial services to help get out of debt. When the woman pursued the company via phone, she stated that they were rude and unwilling to cooperate with questions she had. The rep she spoke with was named Carla Thompson.

The rep asked for a social security number and a copy of a driver’s license so they could “fax it off to the IRS with her other documents.” The woman felt it was a possible scam and didn’t give them. She then went back and talked to the shelter staff about the flyer and group and the shelter staff confirmed that due to a number of complaints/concerns from others, they had already taken down the poster. The shelter then urged her to not do business with them.

BBB left a voicemail message for the EWA contact, but did not ever receive a return call.

BBB ADVICE

Make certain that you are dealing with a real and legitimate financial service. Make certain they are properly registered to conduct business in their own state as well as the state in which you reside. Check for a BBB review on the company at: www.bbb.org

For tips on understanding debt management programs or offers,

http://www.bbb.org/us/article/tips-on-understanding-debt-management-programs-21054

Want a Refund from Oro Marketing aka Oro Max of CA? Good Luck

6/27/2011

Posted on 6/27/2011 by

Want a Refund from Oro Marketing aka Oro Max of CA? Good Luck

Company Uses Fraudulent Refund Tactics, Raises Many Red Flags

(818) 909-9777
14037 Vanowen Street, Van Nuys, CA 91405 http://www.orosam.com

A Prosser woman contacted BBB stating that her friend had ordered some perfume from this company. When she got her order, they were not the perfumes she had ordered, nor were they a “true” fragrance of the perfume (aka knock offs). She contacted the company, and the company stated that the only way she would get a refund was to send them a money order only for $400. Otherwise, she would be sent to collections. She did. Now, she is out $400 and stuck with nothing but cheap perfume.

BBB complainants allege deceptive sales practices, false advertising, poor quality merchandise, and inability to return merchandise and obtain a refund.

Some customers complain they receive telemarketing calls from the company soliciting them to purchase bulk quantities of merchandise to start their own business. These complainants report that merchandise quality is poor, they do not receive the quantity they purchased, items are not as advertised, and they are unable to resell the merchandise. When attempting to arrange returns of the unwanted merchandise, the company reportedly threatens customers with arrest by local authorities, lawsuits, property liens or requires the purchase of additional merchandise in order to be eligible for a refund on the first order.

In other cases, complainants report they purchase expensive gold jewelry from the company which allegedly is not made of gold, or has been valued as worthless.

Other customers complain that handbags or perfumes which are advertised as high quality designer merchandise are poor quality knock off replicas. Most complainants allege threats of arrest, lawsuits, property liens and collections are commonly used to defer refund requests.

BBB REVIEW

http://www.la.bbb.org/business-reviews/Cosmetics-Retail-Store/Oro-Marketing-Inc-in-Van-Nuys-CA-100019258

BBB ADVICE

BBB urges you to file a formal complaint with the following:

*UPS (which is the mailing service they utilize)

*FTC (Federal Trade Commission) at www.ftc.gov

*BBB at www.bbb.org

*Your state Attorney General’s Office

The Federal Trade Commission's Mail Order Rule protects consumers who shop by mail. According to this regulation, the company must ship your order when promised. If the company doesn't specify a shipping time, it must send the merchandise within 30 days. If there will be a delay, the company must give you the option to either agree to the delay or cancel the order. If you decide to cancel your pre-paid order, the seller must mail your refund within seven business days of receiving your notice of cancellation. If you charged your purchase, the seller must adjust your account within one billing cycle. If you have received incorrect merchandise, or merchandise that is not as advertised, you should not be required to purchase additional merchandise, or send additional money in order to obtain a refund. In addition, companies cannot threaten customers with, incarceration, lawsuits or property liens as they have no legal authority to do so.

OVERDUE “RUNNING A RED LIGHT” TRAFFIC TICKET SCAM CALLS BEING REPORTED OUT OF TX

6/22/2011

Posted on 6/22/2011 by

OVERDUE “RUNNING A RED LIGHT” TRAFFIC TICKET SCAM CALLS BEING REPORTED OUT OF TX

No reports yet regionally, but could come our way, BBB Warns

The Texas Department of Public Safety is warning its residents of a recent rash of reports concerning fraudulent calls being made randomly to people demanding that “violators pay their traffic citations” RE: alleged overdue red-light tickets.

With recent Spokane news focused on the invoicing of red light traffic tickets in the Spokane area, your BBB thought this warning to be timely and informative.

HOW SCAM WORKS

Scammers call people posing as agency officials demanding credit card and Social Security numbers for immediate payments. The bogus callers say the alleged violator faces arrest unless the personal information is provided.

BBB ADVICE

First and foremost, protect your personal information, especially during a random call. If you receive such a call and question it, contact your local authorities to verify or confirm the allegations. If you feel you are a victim of such a call, we urge you to file a police report ASAP, as well as a formal complaint with the FTC at: www.ftc.gov

Beware of Questionable Door-to-Door Pitches Made by Out of Area Reps Regarding Your Security System

6/22/2011

Posted on 6/22/2011 by

Beware of Questionable Door-to-Door Pitches for Security Systems that Allude to Changes with your Current System

Confirm Statements with Proper Sources prior to saying YES

Tactic Reported to Allied Dispatch

A customer stated that he was visited by two gentlemen in Pinnacle work shirts with GE emblems on the sleeves claiming to be technicians whose business “recently bought Allied out.” And that they were going around to Allied customers to change out signs and stickers and set up appointment times to "take care of the alarm system.”

According to Jay Hunt, President of Allied Fire and Security, “Allied has not and is not selling, nor have we sold our company.”

Another tactic on the radar:

A rep poses as your current alarm system company, and states they are there to "upgrade" your security system, which means replace an already working system with their own. They then have the customer sign a contract obligating them to monthly payments. The customer is then on the hook for both contracts.

BBB REVIEW for Pinnacle HERE

http://www.bbb.org/utah/business-reviews/burglar-alarm-systems-dealers-monitoring-and-service/pinnacle-security-in-orem-ut-11000043

BBB complaints reflect Advertising, Billing and Service issues.

BBB TIPS

http://www.bbb.org/utah/business-reviews/burglar-alarm-systems-dealers-monitoring-and-service/industry-tips/burglar-alarms

BBB ADVICE

If you have an unresolved issue concerning this company, we urge you to file formal complaints with BBB at: www.bbb.org as well as with your state Attorney General’s Office.

Stars and Stripes Sweepstakes Scam Uses FTC as Lure

6/21/2011

Posted on 6/21/2011 by
ATTN: Military Personnel, Vets and Families

Scammers appear to be targeting veterans and military families claiming they have won a sweepstakes from Stars and Stripes, reports Stripes.com.

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

Read more about the scam.

HAVE A NEW PHONE NUMBER THAT ONCE BELONGED TO AN EX-BUSINESS?

6/20/2011

Posted on 6/20/2011 by

SENIORS: HAVE A NEW PHONE NUMBER THAT ONCE BELONGED TO AN EX-BUSINESS?

How to Reduce Annoying Calls from Telemarketers, Vendors and Others

There are many ways that your name, address, telephone number and date of birth end up in online people search databases. While we all need to be conscious about protecting our personal information, what happens when you unwittingly inherit the phone number of an ex-business and begin getting annoying telemarketing calls, etc. from business-related services and products pitching to you, thinking the number they are calling is STILL a business?

BBB is receiving reports of an increase in calls made to "supposed" businesses by business-related groups when in reality the person called is a person with a new phone number that once belonged to a business that is no longer valid as a business number.

BBB is hearing, in particular, from seniors at senior communities, who report that they just received a new cell phone number.

They quickly come to find that their new number was once a business number because they receive “constant calls,” some of which won’t stop calling, even when asked.

Where do callers get these numbers from? One of a few sources: 1) outdated call lists being circulated, 2) outdated databases, 3) outdated online business profiles at places such as Manta, Merchant Circle, Spokeo, etc.

BBB ADVICE

It is not an easy task to remove your name from all search engine results online, and in some cases, may be impossible, depending on the post. Know that whatever you do, you won't be able to get rid of everything 100%.

BBB TIPS

*Tell the caller to remove you from their calling list. Tell them that this request is protected by the Federal Do Not Call List Registry. If they do not take you off their list and you continue to get calls, report them to the FTC’s Do Not Call List Registry.

*Register your number with the Do Not Call Registry. To do so, go here: https://www.donotcall.gov/register/reg.aspx Read what this registration process covers and doesn’t, for it is not a 100% guarantee you won’t get any calls.

*Contact your phone company to share the issues and see what your options are, including perhaps another phone number to replace the one you have.

*Google search your phone number to see what results you get. If your name or other information appears on a site that you don't own or have control over, time to get busy:

The first step is to contact the owner of that site or domain and ask him/her to remove or block the content. Only the website's owner or webmaster can, by removing the content (or including code that blocks Google robots), prevent a page from appearing on Google search results. You can find who owns a domain or website through www.whois.net

If it appears at public sites such as Manta, Spokeo, Merchant Circle, etc. contact the site administrators ASAP and report your dilemma, and request removal of your information, citing outdated info for the company listed. Some sites will have instructions for removal posted online.

If all else fails, file a formal complaint with BBB for resolve and request in writing to have the group or company remove your info from their database or online content.

Vivint's Sales Tactics in MT Generate Inquires

6/15/2011

Posted on 6/15/2011 by

VIVINT'S SALES REP PRESENCE DOOR-TO-DOOR IN MT GENERATES INQUIRIES

June 16, 2011 – Montanans are contacting Better Business Bureau for information on the door-to-door alarm sales company Vivint, Inc. of Provo, Utah. Previously operating as APX Alarm Security Solutions, this company garnered six government actions. Some Montanans are reporting that they are experiencing questionable sales tactics, such as repeatedly going back to residences that have already stated “no thanks” to ask again.

According to BBB of Utah, Vivint's "D" rating can be attributed to the company's government actions and 1,416 complaints with BBB. The majority of BBB complaints deal with product and service issues.

BBB ADVICE

Time is on your side. Don't rush important decisions. Businesses truly interested in making a sale should allow consumers time to consider and compare.

Ask questions. Don't hesitate to ask for additional details, contact information and references. Make sure to get the solicitor's credentials—especially when security issues are at stake.

Before making any in-home purchase, visit bbb.org for updated BBB Business Reviews with complete background information and complaint history.

BBB Industry Tips

FTC Files Suit against Online Marketer of Various Products and Services

6/14/2011

Posted on 6/14/2011 by

FTC files suit against online marketer

BBBs vital to FTC effort

Edmonton, AB (June 14, 2011): Last month, FTC filed an action against online marketer, Jesse Willms, who allegedly made over $450 million from consumers worldwide. His companies allegedly lured consumers using “free” or “risk-free” offers and then charged them for products or services they did not agree to.

“The defendants used the lure of a “free” offer to open an illegal pipeline to consumers’ credit card and bank account,” said David C. Vladeck, Director of the FTC’s Bureau of Consumer Protection. “Free must really mean free, no matter where the offer is made.”

Willms’ various online endeavors generated large volumes of complaints in a short period of time, which prompted the BBBs handling Willms’ complaints to take notice and review the files for a pattern. Given that a pattern remained consistent for his companies, the proper BBBs contacted the appropriate outside agencies, (in this case the Competition Bureau in Canada and the FTC) for help. The FTC asked BBB for information concerning the companies, their affiliates, as well as, their complaint history.

Since 2008, BBB processed over 4,000 complaints against these companies. Consumers told BBB they were unaware of monthly charges, had difficulties receiving refunds or never received the products. BBB serving Central and Northern Alberta and BBB serving Los Angeles worked with these consumers and the company to try and resolve any concerns.

The FTC named Jesse Willms, Brett Callister, Peter Graver, Adam Sechrist and Carey Milne as defendants. The companies they operate include:

Edmonton BBB Business Review 1021018 Alberta Ltd. doing business as Just Think Media, Dazzle White, eDirect Software, Farend Services Ltd and Wu Yi Source: http://www.bbb.org/edmonton/business-reviews/health-and-medical-products-scientifically-unproven/1021018-alberta-ltd-in-sherwood-park-ab-153474

LA Business Review for Wu-Yi Source
http://www.la.bbb.org/business-reviews/Weight-Control-Preparations-Retail/Wu-Yi-Source-in-Ontario-CA-100060151

Edmonton BBB Business Review for 1524949 Alberta Ltd. doing business as Terra Marketing Group, swipebids.com and swipeauctions.com
http://www.bbb.org/edmonton/business-reviews/internet-auction-service/1524948-alberta-ltd-in-sherwood-park-ab-156691

The action claims that Jesse and his various companies used deceptive marketing tactics by offering “free” trials of teeth whitening, acai berry and weight loss supplements. These offers stated consumers would only pay shipping and handling, but they ended up paying monthly subscriptions fees they were unaware of.

Jesse also operated a penny auction website. Consumers believe they would receive bonus bids for joining the site However, consumers who provided credit card or banking information were charged $150, recurring monthly fees and bid fees for using the service. Whether or not a consumer won an auction, they were still required to pay for any bids.

“BBB’s goal is to create marketplace trust,” said Ron Mycholuk, Community Consultant for BBB serving Central and Northern Alberta. “Consumers should be able to trust what they’re reading without looking for the catch.”

To help consumers avoid being lured by trial offers, BBB advises consumers to do the following:

· Read all terms and conditions. Review the information to determine exactly what you’re paying for and how much it will cost. Also, discover any return or exchange and cancellation policies prior to purchase.

· Read your credit card statements. You’ll know right away if you’re being charged for something you didn’t agree to.

· Research the company. Visit bbb.org or search online to see what others are saying about the company, its products and its services.

Consumers may contact any of the following BBBs for more information:

BBB serving Central and Northern Alberta
Suite 888-9707 110 St
Edmonton, AB T5K 2L9
780-482-2341
www.edmonton.bbb.org

BBB serving Los Angeles, Orange, Riverside and San Bernandino Counties of South California
315 North La Cadena Drive
Colton, CA 92324
909-825-7280
www.la.bbb.org

BBB serving Eastern WA, North Idaho and Montana
152 S. Jefferson, Suite 200
Spokane, WA 99201
www.spokane.bbb.org

Consumers can view the entire FTC action here:
http://www.ftc.gov/os/caselist/1023012/index.shtm

As the leader in advancing marketplace trust, Better Business Bureau of Central and Northern Alberta is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews to help them find trustworthy businesses across North America. Visit edmonton.bbb.org for more information.

For media inquiries please contact:

Ron Mycholuk, Community Consultant
BBB^® Serving Central and Northern Alberta
Phone: (780) 488-6632 Ext. 232 Toll Free: 1 (800) 232-7298 Email: ron@edmontonbbb.org

Lona Luckett, Senior Trade Practice Consultant
BBB serving Los Angeles, Orange, Riverside and San Bernardino Counties of Southern California
Phone: (909) 835-6062
Email: lluckett@labbb.org

Zan Deery, Communications/Investigations
BBB serving Eastern WA, North Idaho and Montana
Phone: (509) 232-0534
Email: zan@spokane.bbb.org

FTC Media Contacts

Frank Dorman, Office of Public Affairs, 202-326-2674 or Regionally, Robert J. Schroeder, FTC's Northwest Region, 206-220-4477.

BBB ADVICE ON HIRING REPUTABLE WATER DAMAGE AND REPAIR CONTRACTORS IN MONTANA FOLLOWING FLOODING

6/8/2011

Posted on 6/8/2011 by

BBB ADVICE ON HIRING REPUTABLE WATER DAMAGE AND REPAIR CONTRACTORS IN MONTANA FOLLOWING FLOODING

Advice for Those Seeking Reputable Repairs in Wake of Flooding

BBB urges citizens to use caution as they hire contractors to repair damages to their homes and businesses following recent flooding in the region. While seeking a contractor in the wake of damaging flooding is an urgent affair, BBB urges people to take the time to make sure a contractor is reputable and qualified to perform the work PRIOR to hiring them to help protect from unsatisfactory work and ripoffs.

Ask contractors for names of previous customers. Call several former customers who had similar work done to make sure they were satisfied with the job. Check the Better Business Bureau's Web site, www.bbb.org for information on area contractors.

Other things to consider when hiring a contractor:

*Make certain that you check with your own insurance provider FIRST before hiring a contractor to do repairs from flood damage to see what, exactly is covered and what is not, whether there is specific paperwork you must fill out to file a claim, etc. Your insurance provider will give you tips on how to properly proceed.

*Get a written estimate. Compare services and prices before making a final selection.

*Research proof of current and up-to-date contractor registration with state regulators PRIOR to hiring. Don’t just go with a verbal, “Yes, we have those things.” (For MT, it is the MT Department of Labor and Industries at: http://erd.dli.mt.gov/workers-comp-regulations/montana-contrator/construction-contractor-registration-unit.html

*Make sure the contractor carries general liability insurance and workers' compensation. If the contractor is not insured, your home or business may be liable for accidents that occur on the property. The above regulatory agencies give guidelines on how to verify this.

*Insist on a written contract. A contract should clearly state all tasks to be performed, all costs and the payment schedule. Never sign a blank contract or one with blank spaces. Make sure the contract states who will apply for the necessary permits or licenses. Keep a copy for your files;

*Get any guarantees in writing. Any guarantees made by the contractor should be written into the contract. The guarantee should clearly state what is guaranteed, who is responsible for the guarantee and how long the guarantee is valid;

*Make final payment only when the work is completed. Do not sign completion papers or make the final payment until the work is completed to your satisfaction. A reputable contractor will not threaten or pressure you to sign if the job is not finished properly;

*Pay by check. Do not pay with cash. The safest route is to write a check to the contracting company. A reasonable down payment these days is 30-50% percent of the total cost of the project, to be paid upon delivery of materials;

*Canceling a contract. This should be done within three business days of signing. Be sure to follow the procedures for cancellation that are set out in the contract. Send the notification by registered mail with a return receipt to be signed by the contractor;

*Consider using a BBB accredited business from your area. Research one at: http://www.bbb.org/eastern-washington/accredited-business-guide/

*Consumer complaints. May be filed with the BBB at: www.bbb.org as well as with the state regulator mentioned above. A dual complaint can be filed with the MT Attorney General's office, as well.

FTC Settlements Put Debt Relief Operations Out of Business

6/8/2011

Posted on 6/8/2011 by

FTC Settlements Put Debt Relief Operations Out of Business

Defendants Used Robocalls to Sell Bogus Plans to Lower Credit Card Interest Rates

The FTC has settled two actions that charged marketers with deceptively claiming they could reduce consumers’ credit card interest rates. Both operations allegedly made deceptive telemarketing calls, called consumers on the Do Not Call Registry, and used illegal robocalls. The settlements will ban all of the defendants from selling debt relief services.

Advanced Management Services

The FTC charged that Advanced Management Services NW LLC, and several co-defendants called consumers and claimed that they could negotiate with credit card issuers to substantially lower the consumers’ credit card interest rates. They allegedly delivered prerecorded “robocalls” with messages urging consumers to “press one” to speak with someone. Many consumers believed the calls came from their credit card company. The defendants charged consumers up to $1,590 and promised a refund if they failed to deliver at least $2,500 in interest rate savings. But, instead of arranging reduced interest rates, the defendants sent consumers instructions to pay down their credit card debts early to save money on interest. Consumers who demanded refunds allegedly were denied outright, got the run-around, or had a $199 “nonrefundable fee” deducted from their refund.

Under two settlement orders, all of the Advanced Management Services defendants are banned from selling debt relief services. The defendants, who were based in Washington and Texas, are also prohibited from misrepresenting material facts about any good or service, selling or using customers’ personal information, failing to properly dispose of customer information, and collecting payments from their debt relief customers.

The order against PDM International Inc., also doing business as Priority Direct Marketing International Inc., and William D. Fithian, also bans them from telemarketing and from violating the FTC’s Telemarketing Sales Rule, and imposes a $13.8 million judgment. The order against Advanced Management Services NW LLC, also doing business as AMS Financial, Rapid Reduction Systems, and Client Services Group; Rapid Reduction System’s LLC; Ryan David Bishop; and Michael L. Rohlf; imposes an $8.1 million judgment. Both judgments, which represent the total amount of money consumers lost, will be suspended when the defendants have surrendered virtually all of their assets, including several luxury cars, a boat, jet skis, and ATVs. The full judgments will become due immediately if the defendants are found to have misrepresented their financial condition.

The FTC acknowledges the assistance of the Better Business Bureau of Eastern Washington, North Idaho, and Montana, and the BBB of Fort Worth, Texas; the U.S. Postal Inspection Service; the Bedford, Texas, Police Department; and the attorneys general of Illinois, Minnesota, North Carolina, North Dakota, Washington, and West Virginia.

FULL RELEASE with LINKS to CASE HERE
http://www.ftc.gov/opa/2011/05/amsdynamic.shtm

Armando Montelongo Worldwide Inc. of TX Coming to Inland NW with Seminars on “How to Flip Houses”

6/7/2011

Posted on 6/7/2011 by

Armando Montelongo Worldwide Inc. of TX Coming to Inland NW with Seminars on “How to Flip Houses”

Armando Montelongo Worldwide Inc.
Phone: (877) 217-2124
Fax: (210) 402-543-3293
2935 Thousand Oaks #6-285, San Antonio, TX
http://www.armandomontelongo.com

The above-mentioned real estate seminar group is coming to CDA on June 14th, and Spokane on June 15th and 16th of 2011.

BBB wishes to make you aware of what to watch for if you will be attending this seminar:

Consumer complaints received by BBB allege that consumers attended a free seminar hosted by this company. During this seminar they were encouraged to purchase educational real estate products and asked to attend an additional three-day seminar costing $1,497. Consumers who attend the three-day seminar allege the company misled them regarding what information or services would be provided. Consumers further express dissatisfaction that the seminar encouraged them to purchase additional real estate investment education packages for as much as $25,000. Other consumers allege that they are dissatisfied with the result or quality of the products, services, or seminars purchased from this company.

The company has responded to complaints by explaining that they will rely on the original terms and agreements provided to the consumer at purchase, or agreeing to provide a refund.

BBB NOTE: The company’s BBB review is currently not being rated while the company responds to unanswered complaints on file with its BBB.

BBB REVIEW:

http://www.bbb.org/central-texas/business-reviews/investment-seminars/armando-montelongo-worldwide-in-san-antonio-tx-90049915

BBB ADVICE

If you have an unresolved issue concerning this company and its seminar offerings, we urge you to file a formal complaint with BBB for resolve at: www.bbb.org

BBB TIPS

BBB advises consumers to closely review all contracts, terms and conditions and cancellation policies provided prior to purchase.

WA AG Takes State Record Retrieval Board of CA to Task

6/7/2011

Posted on 6/7/2011 by

WA AG Takes State Record Retrieval Board of CA to Task

CA HQ has F rating with BBB, Using Olympia, WA Drop Box

State Record Retrieval Board
Phone: (888) 637-2652
Using Olympia, WA drop box of:
1001 Cooper Point Road SW
Suite 140, PMB-263
Olympia, WA 98502

BBB has posted warnings in the past about this group, http://spokane.bbb.org/article/state-record-retrieval-board-targeting-sewa-area-with-misleading-direct-mail-about-obtaining-property-deeds-for-a-fee-23679

And now, the WA AG issued this order on June 1, 2011, against the above-mentioned company’s “drop box only location” out of Olympia, WA:
http://www.atg.wa.gov/pressrelease.aspx?&id=28204

BBB complaints reflect the company sends out misleading solicitations designed to appear as if they originate from a government source. Recipients complain the solicitation offers the opportunity to purchase a copy of their grant deed for $87, when in fact local government sources offer the grant deed copy for $15. The company has responded in a few cases by disputing that the mailers are misleading pointing out they do display required disclaimers.

COMPANY’S HQ REVIEW

http://www.la.bbb.org/business-reviews/Business-Services/State-Record-Retrieval-Board-in-Agoura-Hills-CA-100096224

BBB ADVICE

We urge anyone who receives such solicitations confirm or verify validity of the offer with your local city or county deed office prior to agreeing to outside, third-party offers. If you have an unresolved issue concerning this company, we urge you to file with both BBB at: www.bbb.org as well as your state AG’s office for resolve.

GREENHOUSE INSULATION aka GREENHOUSE ENERGY SOLUTIONS of Pocatello, ID Working EWA

6/6/2011

Posted on 6/6/2011 by

GREENHOUSE INSULATION aka GREENHOUSE ENERGY SOLUTIONS of Pocatello, ID Working EWA

Company has F rating with BBB, Expired License in ID

The above-mentioned company came onto BBB’s radar back in early April when people began inquiring about this group from out of the area going door-to-door offering insulation. Many people who inquired stated that the company stated an affiliation with Avista Utilities regarding a rebate program they were offering, yet when they contacted Avista, Avista claimed no affiliation or partnership with this group.

BBB contacted the company on two occasions, but didn’t hear back from them on the second occasion, when BBB gave a final suggestion to this company to contact its BBB to resolve the unanswered complaint on record, and to gain proper and current ID registration from their home state where they are officially located.

Following, are red flags that may help determine whether to do business with this company or not, and should be a good warning for anybody wishing to have their house insulated to do their research PRIOR to saying yes to any company:

*expired ID occupational licensing

*an F rating with BBB

*stating Avista affiliation when they are not at all affiliated

Consider doing business with a regional BBB Accredited Business. Look up here: http://www.bbb.org/eastern-washington/accredited-business-guide/

BBB REVIEW HERE

http://www.bbb.org/boise/business-reviews/insulation-contractors/greenhouse-insulation-in-pocatello-id-1000012779/

BBB TIPS

http://www.bbb.org/us/article/home-improvements-480

BBB ADVICE

If you have an unresolved issue concerning this company and its activities, we urge you to file for resolve with the BBB at: www.bbb.org as well as with WA Labor and Industries if you are a WA resident. If you are an ID resident, we urge you to file with the ID Bureau of Occupational Licensing.

How to Build a Facebook Presence That Works to Your Business’ Benefit

6/3/2011

Posted on 6/3/2011 by

How to Build a Facebook Presence That Works to Your Business’ Benefit

Social media has become a dominating force in the eyes of today’s consumer. From YouTube to Facebook, consumers are turning to social media sites now more than ever to get more deeply connected to a business. Better Business Bureau is advising businesses to use their Facebook presence to their advantage.

A Facebook page can serve as an eye catching way to lure in potential customers – if used correctly. Making sure that your website is up-to-date and fresh is the first step to having a solid, successful Facebook page. Don’t make the mistake of having your Facebook page serve as your only online presence. An eye catching Facebook page is a great way to complement your business’ website.

According to Human Business Works, 60% of U.S. businesses are not online in any fashion — a huge mistake in an age where most people rely heavily on search engines to find information about businesses. Investing the time and creative brain power behind your website serves as a great landing page for your Facebook link. As many have found, Facebook serves as a great way to build your fans and overall constituency and it’s important that your page’s messaging speaks volumes about the effectiveness of your business and its brand.

Businesses can gain great insight about their consumers through their Facebook page. Looking at their responses and involvement on their page is a great indicator of the depth and to what degree they are reaching their audiences.

BBB recommends the following to small businesses that are looking to grow their Facebook presence:

Keep your page fresh, lively and interactive. When posting to Facebook make sure to keep your audience in mind. What would they like to know and what do they need to know? Are you offering any special deals, rewards or promotions? All comments should be kept positive and sincere. Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.

A picture (and video) is worth a thousand words. Make sure to keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun,telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings that are in-line with your business are a great way to show your followers that you are up-to-date and keeping with the trends of the industry.

For more tips on keeping your business successful, visit www.bbb.org/us/bbb-news.

BBB Advice on Avoiding Wedding Scams this Spring

6/3/2011

Posted on 6/3/2011 by

BBB Advice on Avoiding Wedding Scams this Spring

This spring, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, BBB advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company out with BBB before doing business with them.

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

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

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/3/2011

Posted on 6/3/2011 by

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18, http://AnnualCreditReport.com. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16^th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. From there depending on your state's credit freeze rule, placing a credit freeze should be considered.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

BBB Advises Consumers to Proceed with Caution before Investing in Technology Buy-Back Programs

6/3/2011

Posted on 6/3/2011 by

BBB Advises Consumers to Proceed with Caution before Investing in Technology Buy-Back Programs

Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.

Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

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

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/3/2011

Posted on 6/3/2011 by

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

June 1, 2011 - Better Business Bureau receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

Oftentimes, the door knocking presentations are so slick that consumers aren't even aware that they have bought several magazine subscriptions until they receive the bill. In 2011, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to toping last year’s nearly 1,200 complaints. These high pressure sellers use tactics that can have anyone falling victim.

This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.bbb.org, local law enforcement, and state Attorney General offices.

About BBB

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

PINNACLE SECURITY of Utah Working Spokane Area, May be in Your Area Next

6/1/2011

Posted on 6/1/2011 by

PINNACLE SECURITY of Utah Working Spokane Area

Company has an F rating with BBB

Your regional BBB has been receiving calls from Spokane area residents regarding their experiences with the above-mentioned company going door-to-door offering security system products. The problems they are reporting to BBB are questionable selling tactics aka high pressure sales where the reps won’t take NO for an answer, and continue pushing people to let them in, or to hear their pitch.

A recent scenario goes like this:

On Saturday 5/28 a young man wearing a blue knit shirt carrying a clipboard with the name Pinnacle on it rang my doorbell twice, and I did not answer. On Monday, 5/30 the same young man rang my door bell. I told him I would not open my door and he said "We are doing work here and I need to talk to the Homeowner" I said, “No” and he repeated himself 2 more times and finally left my porch. I saw him at the door of a neighbor. She (and another man) very loudly confronted the man outside her home and told him she was calling the Police and the BBB. She told him to get off her property and said "You say you are doing work in the neighborhood but when I asked you what work, you won’t answer."

BBB REVIEW HERE

http://www.bbb.org/utah/business-reviews/burglar-alarm-systems-dealers-monitoring-and-service/pinnacle-security-in-orem-ut-11000043

BBB complaints reflect Advertising, Billing and Service issues.

BBB TIPS

http://www.bbb.org/utah/business-reviews/burglar-alarm-systems-dealers-monitoring-and-service/industry-tips/burglar-alarms

BBB ADVICE

If you have an unresolved issue concerning this company, we urge you to file formal complaints with BBB at: www.bbb.org as well as with your state Attorney General’s Office.

“SURVEY AGENT” JOB OFFER w/ HORIZON POLLS, LLC a SCAM

5/27/2011

Posted on 5/27/2011 by

“SURVEY AGENT” JOB OFFER w/ HORIZON POLLS, LLC aka HORIZON EVALUATION SERVICES a SCAM

HORIZON POLLS, LLC aka HORIZON EVALUATION SERVICES
1009 N Washington Street, Spokane, WA 99201
785 Willamette Street, Eugene, OR 97401
and Tacoma, WA 98406

Ph: 866-379-6091 FAX (866) 653-7884

A job scam using a Spokane, WA address (and other addresses, too) has come onto your BBB’s radar. The scam randomly emails people who post their resumes online (at such places as CareerBuilder.com) the offer of a “Survey Agent” position with the promise of making $1500-$3000 weekly. This scam is:

1) Using bogus addresses in various places throughout the NW

2) Using an 866# that has connections to other Nigerian-type scams

3) Offering a too-good-to-be-true salary for little or no experience

4) Misrepresenting that it is affiliated with or endorsed by the BBB. It is not.

A woman from Atlanta, GA brought this scam to BBB’s attention. She received the email below in response to her resume being posted online, but luckily did her research first before responding:

From: "Horizon Polls LLC" <horizonllcinc@jangomail.com>
To: XXXXXX
Sent: Saturday, August 22, 2009 3:20:03 AM GMT -05:00 US/Canada Eastern
Subject: Open Position, Details Enclosed.

We got your resume from an online resume distribution service and we'll
like to offer you a Job with our Company after thorough review of your
resume.

HORIZON POLLS LLC is a well established Evaluating Firm located in Spokane, Washington. Our Primary Business is to provide exceptional Customer Service Evaluation. Our company is solely responsible for hiring survey agents and recommending them to our Clients. The clients are companies that have a wide network of
businesses across America, most of our clients have retail outlet in major cities across America. What your job (Survey Agent's Position)
entails is to conduct surveys at any of our client's retail outlet assigned to you. you will be patronizing their business and conducting
a survey at the same time which mostly is in regards to the customer relationship their staffs offer.

We will therefore like to offer you the job position as a survey Agent to conduct customer service surveys in your area.

Your Job will involve you providing feedback to us about the customer experience at any client's locations. Companies use this survey for
many reasons. During a typical survey session, you will make observations at a specific store/office, restaurant, or other type of
location, while acting like an average customer.

A typical survey report will include:

1) How long it took you to get services.
2) Smartness of the attendant
3) Customer service professionalism

Most companies employ our expertise when people give complaints about their services, or when they feel there are needs for them to improve their customer service. Your Identity would be kept confidential as a safety measure. You will receive $300 on each survey you conduct at any time for any of our clients, and with the number of clients we currently work with, you could be conducting as much as 5-10 surveys weekly, which will earn you between $1500-$3000 weekly. That means you can earn about $78,000/year doing part time.

Our clients include:

McDonalds
Starbucks
Dunkin' Donuts
Washington Mutual
ACME Check Cashing
Chase Financial
Walmart
MoneyGram America
Victoria's Secret
Dell America
Western Union America
FTD Florists

No commitment is involved, no startup fees, no paperworks, and you would have flexible working hours.

If you are interested, email me your full name, address and phone number, so that we can add your mailing address to our Regional
database.

First name
Last name
Address
City State Zip Code
Home phone & Cell phone.

Once we receive this information and confirm your interest, we will introduce you to our clients immediately.

A swift acknowledgment of this email will be appreciated.

Warm Regards,

Alvin Gray, Horizon Polls LLC
1009 N Washington Street,
Spokane WA 99201
866-379-6091

This e-mail was sent by Horizon Polls LLC, located at 795 Willamette Street, Eugene, OR 97401 (USA). To receive no further e-mails, please reply to this e-mail with "unlist" in the Subject line.

SCAM JOB OFFER POSTED AT CAREERBUILDERS.COM

http://www.careerbuilder.com/JobSeeker/Jobs/JobDetails.aspx?job_did=J3I09X76T20L412SSRS&cbRecursionCnt=1&cbsid=9dcbac85a54f4588ad4983d2fe3127d3-304523489-J9-5&ns_siteid=ns_us_g_866-379-6091,_scam%3F

BBB has filed an Abuse Report with Career Builders regarding this listing. You can, too! Do so right at the page where this scam offer is posted. We’re hoping they will remove it ASAP.

Proof that This Very 866# is Connected to Other Nigerian-type Scam Offers:

http://74.125.155.132/search?q=cache:WuwTJlBiwGUJ:www.nigerianspam.com/unlicensed-overseas-callers-glossary-p.html+866-379-6091,+scam%3F&cd=1&hl=en&ct=clnk&gl=us

Prestige Group Ltd
National Network Building
744 Broad Street
18th Floor
Newark Jersey NJ 07102
USA
Ph: 1 866 379 6091
Fax: 1 973 741 2447
www.prestigegrp.us

ANOTHER ONLINE JOB SCAM WARNING: ABS Consulting, Looking for “Internet Independent Workers” as Mail Assistants

TIP #3 at http://spokane.bbb.org/article/bbb-weekly-tips-you-can-trust-for-the-week-august-3-2009-11816

BBB ADVICE

A job seeker should refuse any employment opportunity that involves:

· Using your personal bank account: Never agree to deposit checks or money orders or to have money wired into your bank account, for any reason. Also don’t forward money from your account to another account, even if you are promised reimbursement. The checks or money orders will be counterfeit and the wire transfers will eventually be rescinded.

· Paying money out of your pocket: You should not have to pay a fee to learn the details of a job, secure job-placement assistance, obtain a “background” or “identity” screening or accept an employment offer.

· Re-shipping products: Stolen credit cards are typically involved. Victims spend their own money to re-ship products and are “reimbursed” with counterfeit checks or money orders.

· Divulging private information: Legitimate businesses do not ask prospective employees to provide their birth date, Social Security number, or a copy of their driver’s license or passport.

· Cross-border action: Offers from entities located outside the United States and Canada are typically suspect. While there are BBBs across the U.S. and Canada to help investigate businesses in North America, it is much harder to develop information on businesses located in other countries.

To further guard against identity theft, BBB advises job-hunters to refrain from including their Social Security Number, birth date, or college graduation date in resumes that are posted online. Consider posting you resume anonymously and providing an e-mail address as your primary contact rather than your home address or phone number.

Job seekers are urged to check out all prospective employers, job recruiters, placement firms and other employment opportunities with BBB by visiting www.bbb.org to find out if the business is legitimate and can be trusted.

Make Memorial Day a Safe Day: Better Business Bureau Warns of Scams Targeting Veterans

5/26/2011

Posted on 5/26/2011 by

Make Memorial Day a Safe Day: Better Business Bureau Warns of Scams Targeting Veterans

Regional Military Personnel Urged to Utilize BBB Military Line for Updated News and Tips

http://spokane.bbb.org/military/branches-of-service/

Better Business Bureau aims to aid in protecting military members, veterans, and their families from scams that often target our nation's heroes.

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.

BBB ADVICE

If a deal sounds too good to be true, it probably is. BBB offers help:

Protect Finances: Never wire transfer money to strangers.

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

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

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

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

SPOKANE LOCAL RECEIVES HARRASSING CALLS FOR NON-EXISTENT LOAN DEBT FROM 347-470-5671, “John Marshall”

5/26/2011

Posted on 5/26/2011 by

SPOKANE LOCAL RECEIVES HARRASSING CALLS FOR NON-EXISTENT LOAN DEBT FROM 347-470-5671, “John Marshall”

A Spokane local walked into the BBB office today stating that she wanted us to listen to the type of messages that are being left on her phone regarding a loan debt that she absolutely knew was not hers. She stated that she has never had a loan, nor has she ever signed for a loan for someone else. She stated that the calls have been rude, harassing, constant and threatening. NOTE: These types of tactics are illegal for a collection agency to perform in a call.

She had a cell phone, and played one of the many message left, which stated to the woman that if she didn’t call them back, they had no other words for her other than, “Good luck.” In the background were the sounds of various other people talking and calling aka an aggressive-seeming call center.

BBB looked the number up online, and found these subjective reports about very similar random calls coming from this very number:

http://800notes.com/Phone.aspx/1-347-470-5671

BBB then ventured to contact the number to see what it would get. The person who answered the phone stated a vague sounding departmental name, but no company name, specifically. When BBB told them the nature of its call, the person on the other end quickly stated, “Who are we calling about?” to which BBB did not offer up the legitimate name of the person they had been harassing.

BBB stated to the person that threatening and harassing calls are against the law when one is collecting a debt, to which the person stated, “We are not a collection agency. We are an attorney’s office,” to which BBB stated, “And of course, any legitimate attorney wouldn’t act this way with the public,” at which point the person the other end hung up on BBB.

BBB ADVICE

There are many questionable and harassing calls like this being randomly made regarding bogus or fake debts, with the hopes that those receiving the calls will cave in and fall for the threats. The scammers on the other end are seeking personal information and/or money from unsusceptible consumers who feel afraid or worried about such calls, even if they are not real.

Be strong. Do NOT cave into such calls, even if you feel you MAY have a debt. Make sure you know your rights with collection agencies. Any legitimate collection agency will follow these rules, as they are industry standards: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

If you have an unresolved issue concerning a collection agency, file a formal complaint for resolve with BBB at: www.bbb.org Also, file with the Federal Trade Commission if you feel a collection agency is breaking the rules.

AARP Study: What Exposes Seniors 50 and Over to Fraud?

5/26/2011

Posted on 5/26/2011 by

AARP Foundation National Fraud Victim Study: What Exposes Seniors 50 and Over to Fraud?

Study Conducted by Karla Pak and Doug Shadel, AARP WA State Office

The AARP Foundation recently commissioned a nationwide survey to examine the demographic and behavioral differences between victims of various types of consumer fraud and the general population. Respondents rated their interest in persuasion tactics, indicated their exposure to sales situations and prevention actions they take to protect themselves from fraud, answered questions about consumer protection laws, major life events they have experienced, feelings about gaining and losing money and their experiences with fraud. In addition, all respondents answered a standard set of demographic questions.

BBB NOTE: Your regional BBB feels that this study is an informative and fascinating read. Please share with your elder friends, neighbors, relatives and family so they, too, can know the fraud risks of certain activities. You may be surprised at what is considered a risk.

Full release with links to the entire study is located at AARP’s web site here:

http://www.aarp.org/money/scams-fraud/info-03-2011/fraud-victims-11.html

“FAKE FIVE” TARGETS FOR SENIORS IN OUR REGION

What are the top five deceptive pitches YOUR REGIONAL BBB hears about from seniors in our region on a regular basis?

*Door-to-Door Scams

*Lottery/Sweepstakes Calls

*Medicare Scam Calls

*Discount Medical Insurance Card Scams

*Timeshare Sales Scams

WA Labor and Industries and BBB Warn of Traveling Pavers in Tri Cities

5/19/2011

Posted on 5/19/2011 by

May 19, 2011

Tri-Cities area homeowners warned: seasonal asphalt paving scam operating in the area

TUMWATER –The Department of Labor & Industries (L&I) is warning homeowners in the Tri-Cities area that con artists offering asphalt paving and driveway seal coats may be operating in the area.

The traveling paving scam is one L&I inspectors see every summer. Homeowners can help protect themselves by verifying any contractor they hire is registered with L&I.

The scam typically works like this: a friendly representative approaches a homeowner offering to repave a driveway for a low price, claiming they have just enough asphalt left over from another job nearby. The representatives are usually polite, drive nice work vehicles and can be very persuasive.

But the work they do won’t meet homeowners’ expectations, and both materials and workmanship are often subpar. By the time the victim realizes their new driveway is falling apart, the pavers have the victim’s money and are long gone and untraceable.

“We haven’t issued any citations yet in the Tri-Cities area, but we suspect a few of these outfits are doing business there,” said Rich Ervin, L&I’s program manager for contractor registration. “We urge any homeowners that have done business with or have been approached by these guys to report it to L&I.”

You can report a suspicious contractor online or by calling 1-888-811-5974.

The driveway paving jobs can go bad in a number of ways, including:

· Sub-par materials, including watered-down asphalt

· Asphalt poured too thinly, allowing grass and weeds to pop through

· Little or no attention to the driveway’s foundation, causing cracking and breakage later on

· Drainage problems

Contractors must be registered with the state, and carry a bond and insurance to legally work in Washington. Always check that your contractor is registered, bonded, and insured before beginning any work on your home.

L&I has guidelines for hiring the best contractor at HiringAContractor.LNI.wa.gov.

BBB NOTE: Consider doing business with a legitimate, local or regional paver. Review BBB accredited business rosters for this industry at: http://www.bbb.org/eastern-washington/accredited-business-guide/

BBB ADVICE ON HIRING REPUTABLE WATER DAMAGE AND REPAIR CONTRACTORS IN INLAND NW FOLLOWING FLOODING

5/17/2011

Posted on 5/17/2011 by

Other things to consider when hiring a contractor:

*Get a written estimate. Compare services and prices before making a final selection.

*Research proof of current and up-to-date contractor registration with state regulators PRIOR to hiring. Don’t just go with a verbal, “Yes, we have those things.” (For WA, it is WA Dept. of Labor and Industries at: www.lni.wa.gov and for Idaho it is the Bureau of Occupational Licensing at:
http://www.ibol.idaho.gov

*Pay by check. Do not pay with cash. The safest route is to write a check to the contracting company. A reasonable down payment is 30 percent of the total cost of the project, to be paid upon delivery of materials;

*Consumer complaints. May be filed with the BBB at: www.bbb.org as well as with the state regulators mentioned above. A dual complaint can be filed with your state Attorney General's office, as well.

N&U ATV, Inc aka www.newandusedatv.com of Kalispell, MT is an Online Scam

5/16/2011

Posted on 5/16/2011 by

N&U ATV, Inc aka www.newandusedatv.com of Kalispell, MT is an Online Scam

Biggest RED FLAG? “Company” Requires Wire Transfer, Western Union, Moneygram Only as Method of Payment

N&U ATV, Inc.
1577B Montana 35
Kalispell, MT 59901

On May 11th, 2011, this online scam was brought to BBB's attention. The biggest red flags of this scam are the following:

1) The address being used by this online scam does not exist in this part of Montana,

2) the "company" requires you to use email only to do business,

3) The following wording is displayed in the company web site's FAQ section: "What forms of PAYMENT do you accept? We accept Wire Transfers, Western Union and Moneygram."

BBB ADVICE

BBB urges consumers to not enter into a transaction with any company or call that requires these methods of payment ONLY. If you make these methods of payment as part of your transaction, they are difficult to trace, and you may be out 100% of whatever you have paid using this method.

If you have an unresolved issue concerning this outfit, we urge you to file a formal complaint with FBI's Cyber Complaint Center at: www.ic3.gov

BBB Partners with Capital One to Help Small Business Owners Manage Credit Wisely

5/16/2011

Posted on 5/16/2011 by

Media Contact BBB: Kelsey Owen 703-247-9376
Media Contact Capital One: Pam Girardo, 703-720-2351

Helping Small Business Owners Manage Credit Wisely

BBB and Capital One Managing Credit – Made Simpler Partnership to offer businesses tailored advice and easy-to-follow tips online for free

Arlington, VA – May 17, 2011 – In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

“Faced with the realities of the economic downturn, millions of small businesses have been forced to take a second look at their finances, including examining their spending habits and how they use credit,” said Steve Cox, President and CEO, Council of Better Business Bureaus. “Regularly examining your business’s finances, including how and why you use credit, is important. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

Most small business owners understand the need to manage credit effectively, however there is no “one size fits all” model of how to do it. Managing Credit – Made Simpler provides a clear set of guidelines that will help them make wise decisions on their small business credit and identify strategies to help small business owners take charge of their business’s financial condition. “Used wisely, credit can be an invaluable tool. Small business credit cards can provide much-needed cash flow, and many business cards offer special record-keeping resources and valuable rewards programs that really make a difference,” said Rajsaday Dutt, Senior Director, Capital One’s Small Business Card division.

“Armed with basic information about credit, including understanding of card agreements and knowing what's expected of business cardholders, small business owners can make better choices about how they’re using their cards. Our goal is to empower small business owners to take control of their finances and benefit from card features that can really work for their business.”

The new guide, Managing Credit — Made Simpler: Small Businesses is available at www.bbb.org/credit-management and includes practical advice and checklists to help small business owners choose the right type of card to meet their business needs. The guide outlines some of the most common features, benefits, and issues to consider before choosing a card, including:

Expense tracking. Most business cards provide expense reports that are divided into categories and make it easy to track your spending and report expenses for your taxes. You may be able to import the information into your accounting and tax software.

Higher limits. A business credit card may offer higher spending limits than a personal card, which can help with monthly cash flow. It is also important to separate your business from your personal expenses to simplify reporting.

Cards for employees. Many business cards allow multiple employee cards on your account with pre-set spending limits, which helps build business credibility and simplifies expense tracking and travel reimbursement.

Helps build your business credit record. A good history managing a business credit card can help you build your business credit record and improve your profile when applying for a business loan and line of credit.

Added protection. A business credit card may also provide travel insurance and auto rental insurance for you and your employees.

Special perks. The business card may offer airport lounge memberships, concierge services, and other special benefits.

Extra benefits. Most business cards offer rewards programs or cash rebates.

BBB and Capital One created Managing Credit – Made Simpler to give customized credit management guidance to different types of credit users, based on their specific needs and perspectives. Small business owners will now have a variety of topics to choose from that will all cater to the needs of running a successful small business. Topics include strategies to pay off balances faster, choosing the right kind of card for your business, how to improve a business’s credit score, strategies to leverage cash and credit, and fraud prevention guidelines. All of the resources and guidance made available through Managing Credit – Made Simpler can be found online for free at www.bbb.org/credit-management/

For more information or to schedule an interview, contact Kelsey Owen with BBB at 703-247-9376 or kowen@council.bbb.org or Pam Girardo with Capital One at 7037202351 or pam.girardo@capitalone.com

About BBB BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, providing trustworthy consumer and small business advice in addition to evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

About Capital One

Capital One Financial Corporation (www.capitalone.com), headquartered in McLean, Virginia, is a Fortune 500 company with approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Capital One continuously invests in programs that help children, teens, and adults to increase their money management skills through participation in innovative, interactive learning opportunities. Visit www.capitalone.com/financialeducation for more information.

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

May 16, 2011 – Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Jan Quintrall, President and CEO of the EWA, NID and MT Better Business Bureau. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website, www.moving.org and the U.S. Department of Transportation's site, www.protectyourmove.gov To research a mover or find your nearest Better Business Bureau, visit www.bbb.org

About BBB

As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

About AMSA The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

AMSA Media Contact: John Bisney, Director of Public Relations (703) 706-4986 jbisney@moving.org

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by
Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Jan Quintrall, President and CEO of the regional Better Business Bureau. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website; and the U.S. Department of Transportation's site. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

AMSA Media Contact:
John Bisney, Director of Public Relations
(703) 706-4986 jbisney@moving.org

BBB Advice on Giving to Storm and Flood Relief Charities

5/16/2011

Posted on 5/16/2011 by
Arlington, VA – Americans watching the mounting Mississippi floodwaters and the devastation wreaked by recent tornadoes are responding with generous gifts of time and money, as they’ve traditionally responded to disasters throughout the world. But even when needs are close to home, givers should take steps to assure themselves that their donations will go to legitimate and reputable charities and relief efforts that have the capability to help victims, cautions the Better Business Bureau Wise Giving Alliance.

“Despite long experience in giving for major natural disasters, and with the desire to quickly help those in need, Americans sometimes forget to heed advice that’s relevant to all charitable giving,” says Art Taylor, President and CEO of the BBB Wise Giving Alliance. “In the present situation, we advise donors especially to learn about what individual charities are doing and the time frame of their work. Donors who know what to expect from the charities they support are less likely to question the benefit of their gifts.”

BBB Wise Giving Alliance offers the following five tips to help Americans decide where to direct donations:

Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the BBB Wise Giving Alliance (www.bbb.org/charity) to learn more about the charity and verify its accountability.

Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery needs.

Find out if the charity is providing direct aid or raising money for other groups. Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be wary of claims that 100 percent of donations will assist relief victims. Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims that 100 percent of collected funds will be assisting flood victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Kelsey Owen at 703-247-9376.

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,300 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus, the national organization representing 123 BBBs serving communities across the U.S. and Canada – evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

Weekend Warnings: CDC Survey Calls on Children's Immunization/Vaccination History and Michael's Stores Data Breach

5/13/2011

Posted on 5/13/2011 by

Weekend Warnings from Your Regional BBB

BBB Educational Warning on CDC Calls

Does CDC Conduct Phone Surveys with Parents about Their Children’s Immunization History?

Yes, but not without having sent a Letter PRIOR to Such Calls; How to differentiate a SCAM (or Imposter) Call from the Real Thing

The following scenario was reported to BBB today by a Spokane mother:

I got a phone call the other night supposedly from the CDC asking if they could conduct research about immunizations and children. They wanted to know if I had young children and I said yes. It seemed legit at first, but then they wanted the names and birth dates of all my kids. They wanted to know our income and info about where we live. I did not give them any of that information but said I would let them know that my kids were immunized. Then they wanted all the contact info for my children's pediatrician. I refused to give that to them. Then the guy hung up on me.

Could this have been a scam to find my children's identities and steal them? I did not disclose the information but it sounded official at first and I would hate for others to be scammed by this. Please find out if the CDC is conducting a survey like this and if they would really need all that information.

BBB was able to do some digging, including contacting the CDC about this scenario. Bottom line?

BBB found that the CDC does, indeed, conduct such phone surveys, and its web site has this info posted about such calls: http://www.cdc.gov/nchs/nis/participant.htm

HOWEVER: Read the final paragraph at this link, which states that CDC does make such calls, but that the calls are definitely legitimate if you have FIRST received a letter stating that you will be contacted to be part of this survey activity.

NOTE: The CDC stated that not everybody gets a letter ahead of time, making it a bit more difficult to discern whether you have a TRUE CDC survey taker on the line or not. If you have not received a letter prior to such a call, and don’t feel comfortable answering questions, then don’t and state this to the survey taker.

BBB ADVICE

Scammers are constantly attempting to "imposter" official agencies via random calls in an attempt to get you to part with sensitive information. The FTC has great tips on this subject here.

As you can see by these subjective posts, many don’t trust such calls, and for good reasons. It is extremely difficult to “tell” that someone is legitimate via phone only. BBB doesn’t suggest that you rely 100% on Caller ID, either, because SPOOFING is a common scammer technique to try to fake you out.

Michaels Stores Data Breach

THIEVES GET CRAFTY WITH PIN SKIMMERS

Michaels Stores Announce Tampered PIN Pads at U.S. Locations

Thanks to WWA, OR and AK BBB for this warning

Customers of Michaels Stores, Inc. should be aware of tampered personal identification number (PIN) pads and the possible risk that credit and debit card information has been compromised. Pin skimming has been reported at Michael Stores locations across the country. Oregon stores in Beaverton, Tualatin, Springfield, Medford, and Roseburg were affected, as well as others listed in Michaels Stores' press release.

According to Michaels Stores' headquarters, exposed PIN pad transactions occurred between February 8 and May 6; since then, law enforcement officials estimate around 100 customer cards may have been used in fraudulent transactions.

The company is taking steps to investigate the fraud, disable tampered devices and help alleviate customer concerns. Consumer notices have been posted on the Michaels Stores' website.

Steps for Victims: Consumers who have made purchases from Michaels Stores are encouraged to monitor bank statements, report unusual account activity, and change PINs and security settings. If accounts were accessed without authorization, consumers should contact their card issuer immediately to dispute charges.

BBB Tips: Better Business Bureau offers Steps For Identity Theft Victims and the Federal Trade Commission offers more tips on What to Do If Personal Information Has Been Compromised.

BBB Featured in The Hansen Files on "Dateline" this Sunday: Home Repair Ripoffs

5/13/2011

Posted on 5/13/2011 by
This Sunday, May 15th at 7pm ET/6pm CT, “Dateline’s” Chris Hansen files go undercover after using the house of a couple in Phoenix, AZ.

With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover how easily a homeowner can end up spending hundreds, even thousands of dollars on unnecessary home repairs. This brazen scam—one that has thrived for more than a decade—cons thousands of homeowners out of millions of dollars.

“It’s so important to shine a light on how common it is for homeowners to be taken by unethical service professionals who don’t honor their promises,” said Matthew Fehling, president and CEO of the Better Business Bureau serving Central, Northern and Western Arizona. “When you’re looking to invest in a home project, it’s worth it to take your time and find a company you can trust. Keeping consumers educated and informed on these issues is our priority.”

Equipped with hidden cameras from top to bottom, watch as repairmen are put to the test to see if they can make a fix quickly, honestly and efficiently.

Follow @datelinenbc and @chrishansen for more on #TheHansenFiles and for a sneak peek, go to http://www.msnbc.msn.com/id/3032600/vp/43008066#43008066

Warning to Realtors: Real Estate Industry Targeted with Fake Check Scam

5/11/2011

Posted on 5/11/2011 by

BBB (via FBI) Warns Regional Realtors:

Counterfeit Check Scam Targeting Realtors And Real Estate Attorneys

Through the years, the IC3 has continued to receive complaints reporting counterfeit check scams. In this particular scam, subjects attempt to convince unwitting victims to cash checks or money orders and wire a portion of the funds overseas. After wiring the funds, the victim discovers that the check was fraudulent and is held responsible for the check amount.

One of the latest counterfeit check scams targets realtors and real estate attorneys.

International subjects have been contacting U.S. realtors and real estate attorneys, claiming to be interested in purchasing property in the U.S.

Subjects request a properties listing from realtors, indicating their intent to pay cash for the real property. Subjects then ask the realtor to provide a local attorney to handle the purchase and conduct the closing.

Upon negotiating the price, the real estate attorneys received checks that were often written for hundreds of thousands of USD Once the check had been deposited, but before it cleared, the subject provided a reason for a portion of the funds to be wired to his account.

Often in these scams, victims are not aware that the checks are from legitimate businesses' accounts, fraudulently obtained by the subjects.

In January 2010, the IC3 released a Public Service Announcement detailing a similar counterfeit check scam, which targeted law firms in the U.S.

BBB Warns of Online Scams Proliferating in the Wake of Bin Laden’s Death and SONY Breach

5/5/2011

Posted on 5/5/2011 by

BBB Warns of Online Scams Proliferating in the Wake of Bin Laden’s Death and SONY Breach

Right now more than ever protect your personal info, do not respond to SPAM Emails Requesting Personal Info

In the aftermath of the death of Osama bin Laden this past weekend, and tailing that, the recent SONY breach, Better Business Bureau is warning consumers and businesses to watch out for a slew of cyber-scams that have popped up in the past few days attempting to get you to part with your money, identity, and take over your computer.

According to Kaspersky Labs, an Internet security firm, malicious websites and links have been proliferating on Google Images searches, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which could infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers and businesses should also be very wary of scams similar to the Nigerian Letter Scam circling around Osama’s death. Although each letter may contain a slightly different appeal, BBB is reporting that the latest letter has stated a "soldier" asking for assistance in transferring millions of dollars of excess money to a trustworthy U.S. citizen. To participate in the deal, the person must contact the soldier to solidify the partnership and arrange pickup of the millions.

Usually with this type of scam the victim is asked to provide their bank account number and the name, address, phone and fax numbers of their bank. Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.

IN WAKE OF SONY BREACH, SIMILAR TACTICS BEING UTILIZED BY SCAMMERS TO GET YOU TO COMPROMISE INFO

Thanks to Dale Dixon, CEO, Boise BBB, and the Idaho Statesman, for this piece

http://www.idahostatesman.com/2011/05/05/1635667/sony-will-not-call-you-asking.html

BBB ADVICE

BBB advises consumers to do the following if they feel they have fallen victim to a cyber-scam:

Think before you click. Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

Don’t fall for the not-so-free “free” offer. Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or website you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

Spread the word. Discuss such scams with all the members of your family who have access to the Internet. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Know the red flags. Watch out for grammatical mistakes in emails, letters and on websites. Poor grammar or misspelled words are red flags that the email or website is probably a scam. Most importantly, never wire money based on instructions. Scammers prey on those who think they need to wire money to have a situation resolved.

Check with BBB. BBB advises anyone receiving such a letter not to respond. Instead, send the letter to your local BBB or to the U.S. Secret Service, which is currently investigating the scam.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit www.bbb.org

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

BBB Business Accreditations Revoked

5/4/2011

Posted on 5/4/2011 by

BBB BUSINESS ACCREDITATIONS REVOKED

Standards differentiate BBB Accredited Businesses from the rest.

BBB is about its Standards and Delivering TRUST.

Spokane Auto Center
6818 E Sprague Ave
Spokane Valley, WA 99212
(509) 926-8801
Principal: Mr. Jay Lee

BBB REVIEW HERE

On 3/29/2011, this business's accreditation with BBB was revoked due to violation of BBB Accreditation Standard:

6A. Promptly respond to all complaints forwarded by BBB by:

*Resolving the complaint directly with the complainant and notifying BBB, or

*Providing BBB with a response that BBB determines: is professional, addresses all of the issues raised by the complainant, includes appropriate evidence and documents supporting the business' position, and explains why any relief sought by the complainant cannot or should not be granted.

Dickson Iron and Metals, Inc.
907 N Dyer Rd
Spokane Valley, WA 99212
(509) 535-6146
Principal: Mr. Craig Dickson

BBB REVIEW HERE

On 4/25/2011, this business's accreditation with BBB was revoked due to violation of BBB Accreditation Standards:

1C. Be free from government action that demonstrates a significant failure to support BBB ethical principles in marketplace transactions (this requires a determination by BBB as to the nature of any violation, whether it was caused or condoned by management, and actions taken to resolve underlying issues that led to the government action).

8A. Avoid involvement, by the business or its principals, in activities that reflect unfavorably on, or otherwise adversely affect the public image of BBB or its accredited businesses.

To view a complete list of BBB Standards of Trust visit:

http://spokane.bbb.org/bbb-accreditation-standards/

RICH DAD EDUCATION LLC of FL OFFERS SEMINARS IN KENNEWICK AND SPOKANE

5/3/2011

Posted on 5/3/2011 by

RICH DAD EDUCATION LLC of FL OFFERS SEMINARS IN KENNEWICK AND SPOKANE

Program Advertises on Facebook

BBB NOTE: As of May 23, 2011, Rich Dad Education LLC has an NR rating, as the company's review is in update. If you have an unresolved issue concerning this company, file with BBB for resolve.

This company offers real estate investment, financial markets, entrepreneurship and personal development training and will be conducting seminars in the Kennewick and Spokane area in early May, specifically, May 3-5^th, 2011.

The company offers a separate web site to RSVP for these seminars: http://www.richdadstocksuccess.com/index.cfm/event/1410

We wanted to bring to our area’s attention that this company, at the time of this release, had an F rating with BBB due to unanswered complaints on file with BBB.

BBB NOTE: The May 23rd, 2011 note is due to the fact that the company has requested to address unanswered complaints on file.

BBB REVIEW

http://www.bbb.org/west-florida/business-reviews/investment-seminars/rich-dad-education-in-cape-coral-fl-90068825

BBB ADVICE

If you have an unresolved issue concerning this company or having attended their seminar, we suggest you file formal complaints for resolve at: www.bbb.org BBB urges you to do your research and homework before agreeing to services and products that are pitched or offered at seminars PRIOR to showing up and agreeing to them, so you know what you are getting yourself into.

BBB offers up the following tips on evaluating training programs and seminars, and urges consumers to not feel high pressured to purchase additional items unless you have first read the terms and conditions of the purchase and have asked the right questions. KNOW what you are getting yourself into by reading all materials and understanding the investment required of such offers:

http://www.bbb.org/us/article/dont-get-hit-by-the-seminar-pitch-296

http://www.bbb.org/us/article/evaluating-training-programs-and-seminars-419

On BBB's Radar: Deceptive Sports Poster Advertising Pitches

4/29/2011

Posted on 4/29/2011 by

Regional Businesses Targeted by F Rated H.S. Sports Poster Advertisers

Your regional BBB has received reports, in the past week alone, from area chambers as well as one regulatory agency that businesses in their area are being targeted by questionable out of area advertising sales groups regarding the sale of advertising on sports posters for area high school teams.

The two groups on BBB's radar are Pebble Creek Press of Surprise, AZ with this BBB review and Ads Sports of Davenport, IA, which BBB issued this warning about earlier this week.

BBB did some digging, and came to find that the confusion from both groups comes from the fact that they are using the names of area high schools in their advertising pitches without the authorization of the area high schools.

Complaints for these groups regard selling practices, billing/refund issues as well as delivery issues.

BBB ADVICE

Look up BBB reviews PRIOR to agreeing to services and placing your hard earned dollars in the hands of low rated companies.

Ads Sports aka American Publishing LLC of Davenport, IA Implies Affiliation with Area High Schools via Email to Sell Advertising to Area Businesses

4/26/2011

Posted on 4/26/2011 by

ADS SPORTS aka AMERICAN PUBLISHING, LLC of Davenport, IA Implies Affiliation with Area High Schools via Email to Sell Advertising to Area Businesses

www.adssportsinc.com www.ampublishingllc.com
www.communitiesunlimitedllc.com

BBB NOTE: As of August 17, 2011, this company has an F rating with BBB. Review HERE.

Your regional BBB received copies of emails sent to them by businesses in its service area by the above-mentioned company offering advertising opportunities on sports posters for Colville (WA) H.S. (and other high schools in our service area, such as Hellgate H.S. of Helena, MT)

The SUBJECT of the Colville emails read: “Colville Senior High School Football 2011 Schedule......Go Indians!” The email goes onto say:

All ads on the poster will be exclusive this year, so we will only have one type of each business! There will be up to 5,000 posters to be sent out this September of 2011! So be sure to get your spot on the 2011 football posters now, space is very limited.

Call us to be featured!

We are also doing all area High Schools!

Rates:
2 x 2 inch ad: $299.50 Business Card Size
2 x 4 inch ad: $399.50 ( half of the bottom of the poster )
2 x 8 inch ad: $749.50 ( the whole bottom of the posters )

BBB did what it encourages all businesses to do when pitched in this manner: make certain that you confirm or verify with the high school named that the company doing the pitching has a legitimate partnership agreement to pitch their services using the name of the school.

BBB spoke with Colville HS school administration, which, in turn, promptly sent us directly to the Athletic Director of the school, who confirmed with BBB that in no way is Colville HS affiliated with this company, and on other past occasions has tried, without resolve, to get the company, and others like it, to stop misusing their name in their ad selling pitches to area businesses.

BBB contacted Mike Lugo, Manager for the Football Poster Project at Ads Sports, and relayed to him the fact that their company had, at the time of this release, an F rating with BBB, and that their email is deceptive in that it is misrepresenting an implied affiliation or agreement with the school they are supposedly pitching about.

Mr. Lugo disagreed, stating that in the email it says, “We are also doing all area High Schools!” The BBB suggested that Mr. Lugo contact the Colville HS to clear the air about this misrepresentation, but the company declined to take the contact info.

BBB ADVICE

The BBB encourages businesses that purchase advertising space to research each company diligently and send requests for specific details on products and distribution plans prior to agreeing to their services.

Businesses are generous with their sponsorships, especially if it is a local group they supposedly are supporting. But, they need to make sure the efforts officially support the appropriate organizations. The BBB also recommends getting written proof of a company's policies regarding misprints or cancellations.

If you have an unresolved issue or feel you have been misled by this company, BBB urges you to file a formal complaint for resolve at: www.bbb.org

CEO CRAIGSLIST MACBOOK PRO EMAIL SCAM CIRCULATING

4/26/2011

Posted on 4/26/2011 by

CEO CRAIGSLIST MACBOOK PRO EMAIL SCAM CIRCULATING

Those with something Posted for Sale on Craigslist Most Likely to Receive Scam Email

SCENARIO

Your regional BBB had one of its staffers, whose husband had a camper for sale on Craigslist, receive the following email in their INBOX:

From: Angel Thomas [mailto:marylnfqi@hotmail.com]
Sent: Monday, April 25, 2011 2:42 PM
To: XXXXXXXX
Subject: RE: Toyota 20 ft Travel Master

Attention XXXX,

My name is Angel Thomas, Chief executive officer of Craigslist. We have recently joined up with Apple for a one-time promotional event today, we are giving away free Apple MacBooks to randomly selected individuals who have posted an ad on C-list. You have been selected as one of our latest winners for today. We randomly choose numbers to match up with ads on Cl and your ad matched with our latest drawing.

We have partnered up with Apple to advertise their hottest product yet, the Apple MacBook. Once again, we are operating this campaign for one-day only. All you need to do is XXX(Link here removed for safety) to go to our website made for this promotion and type in your email to obtain yours for free. Just make sure you enter your email so we may locate our records to guarantee that we have reserved one for you. That's it!

Congrats on winning a free Apple MacBook (valued at $1299). If you have any query or concerns, feel free to e-mail me back. However, you should claim your free MacBook 1st to ensure one will be reserved for you before the deadline ends. We do understand that you may possibly not receive this email until after the deadline, however, we advise you check out the site and enter your email to see if we still have got yours on hold, which we often-times do because others have not claimed theirs in time.

Angel Thomas

CEO, Craigslist

BBB NOTE

BBB found this research already posted about this scam online at www.fightthescams.com

http://www.fightthescams.com/2011/04/24/ceo-of-craigslist-scam/

As one comment states, the name “Angel Thomas” is in no way affiliated with Craigslist, as this is not the correct name for the CEO of Craigslist. Also, look at the random email address developed by scammers to send this email, as it is merely a Yahoo email account.

BBB ADVICE

We warn you to be very wary of such random emails that state that you have “won” something, and in order to claim it, you must click on an active link provided in the context of the random email. Clicking on links embedded in “unknown origin emails” can put your computer at risk. If you compromise any personal or financial information at such random links, you also can open yourself up to ID theft victimization, as the unknown links that require that you enter sensitive info is usually on a “floating page” aka fake web page that scammers use to lift your info and possibly use it to commit ID Theft.

If you have fallen for this scam, we urge you to file a formal report with the FBI at: www.ic3.gov and if you have compromised any personal info, we urge you to file a police report with your local police department to begin a paper trail.

BBB Urges Consumers to Make Smart Solar Energy Investments

4/21/2011

Posted on 4/21/2011 by

BBB Urges Consumers to Make Smart Solar Energy Investments

With warm weather approaching and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Your regional BBB issued a past warning about questionable energy-saving device sales reps in the region. Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be wary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50% on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org.

Seasonal Warnings from BBB: From Traveling Pavers to Grant Offers to Phishing Scams

4/21/2011

Posted on 4/21/2011 by

BBB ALREADY SEEING QUESTIONABLE PAVING ACTIVITY IN REGION

Do Your Research; Don’t Just Go with the Cheapest, Easiest Arrangement

BBB is beginning to see questionable paving activity, as companies from out of the area with low ratings, shoddy workmanship, as well as lack of licensing or inadequate licensing go door-to-door offering their services, specifically, to elderly people, as they are easy targets.

One such company on our radar for the Spokane and surrounds area is Power Paving, with the following BBB review:

http://www.bbb.org/western-washington/business-reviews/paving-contractors/power-paving-in-arlington-wa-22524639/complaints#breakdown

BBB ADVICE

Do your research and homework before saying yes to any contractor. This includes checking for proper and current licensing, permits and bonding (depending on where you live).

BBB and WA Labor and Industries offers up these great tips for what to watch for when hiring a contractor:

http://spokane.bbb.org/article/wa-li-warns-homeowners-of-seasonal-asphalt-paving-scams-26744

ID Department of Building Safety offers its helpful tips page here:

http://dbs.idaho.gov/contractors/index.html

MT Department of Justice offers up its own tips for this activity in its state:

http://www.doj.mt.gov/consumer/consumer/choosingcontractor.asp

GRANTOR’S INSTITUTE Offers “Membership” for Grant Directories Only

By Law, Can’t Guarantee You a Grant or Loan

This company is on our radar regionally, because of a Moses Lake, WA resident who reported to BBB that he had not yet received his “grant,” or any other services from the above-mentioned company.

BBB reviews are here and here and explain that this company has operated at various levels of activity: from membership grant directory service to advance fee loan scam. By law, no one can guarantee you a grant or loan without first securing a loan or grant for you. They also can’t charge an upfront fee prior to securing you a grant or loan.

BBB ADVICE

http://www.bbb.org/us/article/bbb-issues-international-alert--advance-fee-loan-scams-blanketing-US-574

ROCKY MOUNTAIN CREDIT UNION of MT TARGET OF PHISHING SCAMS

Rocky Mountain Credit Union wishes to alert its customers and other Montanans that it is a victim of phishing scams that are being sent to both customers and on-customers.

Rocky Mountain CU has a scam alert posted to its main page of its web site alerting people to a variety of scams:

http://www.rmcu.net/asp/products/product_8_5.asp

BBB ADVICE

We suggest that you never respond to a random email, text message or cold call from your credit union without first confirming with the legitimate financial institution that what you are receiving is for real. Don’t click on links, don’t compromise personal info. Protect it.

LEGGETT MARKET RESEARCH: Mystery Shopping Scam

Sending Fake Checks in Mail

Leggett Market Research
55 West 21st St
New York New York 10010

The following scenario about the above-mentioned scam was brought to our attention by a local Spokane woman who received a fake check from this scam:

I received a letter in the mail from Canada from Leggett Market Research located in New York (telephone no. 1-403-401-2263 X225) with a $2,480.55 check (issued by on Citibank in New York) telling me that I could make extra money by being a Mystery Shopper. I was told to deposit the check in my checking account and then go to Western Union as a “Mystery Shopper” and send $1,900 to one of five people listed in the letter and send a sender’s fee of approximately $180.00 to be paid to Western Union and to take $100.00 and go shopping and pay myself $300.00 for my first week of pay.

Ripoff Report Post about this Scam

http://www.ripoffreport.com/work-at-home/leggett-market-resea/leggett-market-research-shoper-94935.htm

BBB ADVICE

Here are a series of BBB videos warning people about these scams: http://www.bbb.org/lexington/video/scams/dont-fall-for-it-mystery-shopper-scam

BEWARE OF ROYAL WEDDING SCAMS ONLINE

Royal wedding scareware scams arise as Big Day looms

Fair warning from English News, The Register:

http://www.theregister.co.uk/2011/04/21/royal_wedding_scareware_scam/

BILLINGS MT TARGETED WITH “BEST BUY CARD” SCAM CALLS

4/19/2011

Posted on 4/19/2011 by

BILLINGS MT TARGETED WITH “BEST BUY CARD” SCAM CALLS

Callers Using Text Messages and Spoofed #s to Fake they are in MT, Say You’ve Won

Today, it was brought to BBB’s attention that Billings area residents are being targeted by text messages stating that they have won $1,000 via a Best Buy drawing, and are directing people to a web site called prize pick up center.com to claim their card.

BBB NOTE

Most likely, scammers are driving people to an unsecure web site for people to give over and compromise their personal information in order to “obtain” their card.

BBB can’t find an active web site using this domain name (yet there are several ways this domain name could be entered that we are unaware of), but did find several subjective posts reporting various numbers attached to this scam. Specifically, BBB did a little digging and came to find that a variety of spoofed numbers nationwide are being used to purport this scam, and are posted to this 800Notes page:

http://800notes.com/Phone.aspx/1-406-233-1590

Here is one recent post, which matches what we are getting reports about in Billings, MT:

I got a scam text message that said I won $1,000 from a random Best Buy drawing. They asked me to go to a prize pickup center. This scam message is being sent from different phone numbers. They used my name in sending message like they knew me. Best Buy said this was a scam message and not from them.

The number 406-233-1590 is being used to fake Montanans out on their Caller ID, to make it seem as though the scammers are a legitimate Montana business. When you call this number, it states that is a “text-number…” and that you can “text now” and then hangs up on you.

BBB ADVICE

We urge you to NOT respond to such random text messages, and to not give your information over to anyone who states that you’ve won without confirming or verifying that the group you are dealing with is legitimate and real. A more basic note: if you never entered a Best Buy drawing, then consider this a HUGE red flag and ignore the messages. Report the text messages as fraudulent to your cell phone carrier ASAP.

On Sale Home Gym Equipment www.onsalehomegym.com an Online Scam Using a Spoofed Montana # and No Viable Address

4/18/2011

Posted on 4/18/2011 by

On Sale Home Gym Equipment

www.onsalehomegym.com an Online Scam

Using a Spoofed Montana # and No Viable Address

Scam requires Green Dot Pre-Paid Paks for Purchase

On April 11, 2011 it was brought to the attention of the BBB that HomeGymClearance.com aka onsalehomegym.com is a scam involving the use of Green Dot Money Pak preloaded credit cards.

The BBB tried to contact this company at 406-282-1434 and other numbers listed in its review and was directed straight to voicemail with a generic non-business related answering service.

This scam also advertises equipment sales on Craigslist using an email address only, for contact. When a potential customer responds to the email, they are directed to the web site, and can only do business via email. Consider this a red flag.

This scam uses a web site that is privately registered. As well, the web site only reflects a phone number, and merely states it is in Helena, MT, but does not reveal a viable or legitimate physical address. BBB is unable to find any legitimate registration for this group in Montana.

This scam uses a variety of names and web sites, but is still the same scam attempting to part you with your money.

BBB ADVICE

BBB can't process complaints against a scam, as there is no viable address for processing complaints. If you have an unresolved issue concerning this scam, or have fallen victim, we urge you to file with the Montana Attorney General at www.doj.mt.gov as well as with the FBI at: www.ic3.gov If you wish, you can also file with the Federal Trade Commission at: www.ftc.gov

For more information regarding Green Dot Money paks being used to purport scams online, read this article: http://tucsoncitizen.com/bbbconsumeralert/2010/03/25/scammers-use-green-dot-moneypaks-to-steal-online/

BBB Warns: Don’t Fall for Gimmicks Involving Gas Saving Devices

4/18/2011

Posted on 4/18/2011 by

BBB Warns: Don’t Fall for Gimmicks Involving Gas Saving Devices

As gas prices continue to climb, some businesses are seeking opportunities to make money off of commuters by selling fuel boosting additives or offering engine modifications to help them conserve fuel. However, BBB advises consumers to stay away from these “gas saving” products and services, that sound “too-good-to-be true.”

Over the past decade, the EPA has tested more than 100 gas-saving devices and hasn’t identified any that significantly improve gas mileage and some could eventually cause engine damage. Consumers are being inundated with ads (both online and off) and emails that offer better fuel efficiency.

BBB recommends being particularly skeptical if advertisements claim:

· Federal Endorsement. While the EPA does evaluate the legitimacy of claims made by companies that produce gas savers, no federal agency actually endorses gas-saving devices or additives.

· Glowing Consumer Testimonials. Marketing materials or Web sites for gas savers often contain consumer testimony on the increased fuel efficiency they experienced with the device or additive, but these are often works of fiction devised by the company.

· Outstanding, Too-Good-To-Be-True Results. Consumers should be extremely wary of big promises for big savings. If a gas-saving product really could increase mileage by as much as 40 percent with little effort or money, it is highly unlikely the inventor needs to peddle the product through spam e-mails or tacky-looking Web sites.

The vast majority of gas-conserving products are not viable solutions for squeezing mileage out of vehicles, but here are some tips drivers can take to increase fuel efficiency and get the most out of their gas tank:

· Stay within the speed limit. Gas mileage tends to decrease rapidly at speeds above 60 miles per hour.

· Avoid “jackrabbit” starts and stops. Drivers can improve gas mileage around town if they avoid jerky starts and stops. This means accelerating slowly when starting from a dead stop and avoiding pushing the pedal down more than one-quarter of the way.

· Air Conditioning or Windows? Using the air conditioner at lower speeds will decrease fuel efficiency, but, at higher speeds, open windows create significantly more drag than the AC – and can reduce gas mileage.

· Remove excess weight from the trunk. An extra 100 pounds can reduce a typical car’s fuel economy by up to two percent.

· Keep the car properly maintained. The engine should be tuned, tires inflated and aligned, the oil changed on schedule and the air filters should be checked and replaced regularly.

Before buying any gas-saving device or additive, BBB recommends that consumers check out the company’s reliability report free-of-charge online at www.bbb.org.

For more money-saving advice from BBB for consumers, go to www.bbb.org or call 509-455-4200 or 800-356-1007.

Businesses Fighting WA L&I Citation Must Now Fix Hazards During an Appeal

4/18/2011

Posted on 4/18/2011 by

TUMWATER – Each year, hundreds of workplace hazards across the state are left uncorrected, exposing many workers to potential dangers while a business owner appeals a citation issued by the Department of Labor & Industries.

Today, Governor Chris Gregoire signed a bill into law that changes this. Senate Bill 5068, approved by state legislators last week, amends the 1973 Washington Industrial Safety and Health Act (WISHA). The bill requires businesses to correct serious safety violations - and the hazards they pose - during the appeal of any safety and health citation.

“This change to our state worker safety laws offers significant improvement for worker safety,” said Michael Silverstein, assistant director, L&I Division of Occupational Safety and Health. “This allows us to ensure that hazards are corrected even as we continue discussions with employers who may disagree with our citations.”

Under existing rules, if a business appeals an L&I citation involving a serious workplace safety violation, there is no obligation to correct the hazard for which they were cited until the appeal is resolved. This can take months or even years and expose some workers to uncorrected hazards.

For example, one company was cited in 2006 for several serious violations after a worker suffered lead poisoning. The company appealed and did not correct the hazards during the appeal process. The citation was upheld. However, before the company corrected the hazards, a second worker also suffered lead poisoning.

Nationally, a recent analysis by the Occupational Safety and Health Administration (OSHA) found that in the decade between 1999 and 2009, there were at least 30 appealed cases where a fatality occurred at the same site before the appeal was resolved.

In Washington, about 10 percent of all citations are appealed annually, and while most businesses correct hazards during an appeals process, many do not. Credit is due to state Sen. Steve Conway and Rep. Chris Reykdal, who both recognized the system left some workers unprotected and sponsored this bill as a way to correct the problem.

While the bill requires employers to correct hazards during an appeal, they can seek a stay to the requirement. Under the bill such requests will receive an expedited review.

L&I will form a stakeholder group with business and labor representatives and begin work on the rule. Visit www.Lni.wa.gov/Safety/Rules/WhatsNew/ to find the latest information as this rule is developed.

For media information: Hector Castro, L&I, 360-902-6043.

Businesses Fighting WA L&I Citation Must Now Fix Hazards During an Appeal

4/18/2011

Posted on 4/18/2011 by

While the bill requires employers to correct hazards during an appeal, they can seek a stay to the requirement. Under the bill such requests will receive an expedited review.

For media information: Hector Castro, L&I, 360-902-6043.

ID AG: Foreclosure reforms to take effect in Idaho September 1, 2011

4/18/2011

Posted on 4/18/2011 by

(Boise) - A new state law to address foreclosure complaints by Idaho homeowners will take effect on September 1. Attorney General Lawrence Wasden and the Idaho Bankers Association sponsored House Bill 331.

“Idaho citizens are facing foreclosure at an unprecedented level,” Attorney General Lawrence Wasden said. “This legislation addresses the very complaints Idahoans have been sending to my office. It will provide real help to thousands of distressed homeowners in Idaho, and it will help Idahoans better understand their rights, obligations, and options with respect to keeping their home.”

“I am grateful for the time, energy, and input of the Idaho Bankers Association,” Wasden said. “When the problem and a solution were identified, they stepped up and, together, we crafted legislation to help Idaho’s homeowners in their most challenging circumstances. “I want to thank Senator Dean Cameron and Representative Max Black for sponsoring the bill through the Legislature and Governor Otter for signing it into law. I also want to express my appreciation to the Idaho Department of Finance for their input and assistance and to the Idaho Credit Union League for their support.”

“The IBA applauds the proactive attitude of Attorney General Wasden in response to complaints from troubled borrowers facing foreclosure; and his collaborative approach to developing legislation that included Idaho’s banking industry,” Dawn Justice, President and CEO of the Idaho Banking Association, said.

As Idaho’s housing crisis deepened, Idaho consumers filed hundreds of complaints with the Attorney General’s Consumer Protection Division. Initially, the majority of these complaints alleged fraudulent or misleading activities by businesses offering loan modification or mortgage “rescue” services. Since 2008, however, the Attorney General has received more than 300 consumer complaints alleging issues or problems with borrowers’ loan servicers.

The Attorney General’s Office conducted an in-depth review of mortgage-related complaints received between 2008 and 2010 to determine whether the allegations made in the complaints violate laws enforced by the Attorney General, and, if so, whether evidence exists to warrant further action.

In February 2011, Wasden released The Attorney General’s Report on the Idaho Housing Crisis and How Stakeholders Can Facilitate Cooperative Solutions. “The report is the result of this review and analysis,” Wasden said at the time. “It includes an examination of the national events leading to Idaho’s housing problems, a discussion of the specific areas of concern demonstrated by Idaho’s homeowners, and presents suggestions regarding how stakeholders can work together to address Idaho’s housing crisis.”

The report also included suggestions for legislative, educational, and remedial actions that stakeholders might consider with respect to foreclosures in Idaho.

Shortly after Wasden issued the report, the Idaho Bankers Association contacted his office and offered to work with the Attorney General on legislation. House Bill 331 was the result of that collaboration.

Briefly, House Bill 331 does the following:

Requires a trustee pursuing foreclosure to mail written notice of re-scheduled foreclosure sales. (Under existing law, when a foreclosure sale is postponed, a trustee may undertake a subsequent sale with no advance written notice to the homeowner.)

Requires lenders to provide a new written notice in cases involving potential foreclosure of a homeowner’s primary residence that:

details the obligations owed and the ramifications of foreclosure if the homeowner does not cure the default;

encourages homeowners to contact their lender to ask about any available loss mitigation programs, including mortgage loan modification; and

requires inclusion of a “modification request form” from the lender, which the homeowner may use to request a loan modification.

Under the new law:

The lender must respond to requests for modification within 45 days, and cannot proceed to a foreclosure sale until after the lender has responded to the homeowner’s loan modification request. The lender is required to either meet in person or over the phone with the borrower, if the borrower requests such a meeting.

The lender must demonstrate its compliance with the notice requirements by filing an affidavit in the County Recorder’s Office in the county where the primary residence is located. The notice must be filed at least 20 days before a foreclosure sale.

The Attorney General is given enforcement authority for violations.

The bill also creates a separate section within the Idaho Consumer Protection Act to address mortgage modification activities and fees allowed for such activities. The new provision makes it a violation of the Idaho Consumer Protection Act to charge or receive any fee in connection with a mortgage loan modification unless licensed, or exempt from licensing, under Parts 2 or 3 of the Idaho Residential Mortgage Practices Act.

WA L&I Warns Homeowners of Seasonal Asphalt Paving Scams

4/15/2011

Posted on 4/15/2011 by

April 14, 2011

WA L&I warns homeowners of seasonal asphalt paving scam

TUMWATER – As spring temperatures rise, the Department of Labor & Industries (L&I) is warning Washington homeowners of a seasonal asphalt paving scam that may pressure you to repair your driveway.

The scam typically works by a friendly representative approaching a homeowner offering to repave a driveway for a great price, claiming they have just enough asphalt left over from another job nearby. The representatives are usually polite, drive nice work vehicles and can be very persuasive.

But the job they do usually isn’t up to homeowner’s expectations. Materials and workmanship are often subpar.

“Every summer we see these pavers work their way around the state, usually in rural neighborhoods where they think they’re less likely to be caught,” said Rich Ervin, L&I’s program manager for contractor registration. “By the time homeowners realize their new driveway is falling apart, the pavers are long gone and untraceable.”

While L&I has not had reports of traveling pavers in the state this season, L&I wants homeowners to be advised of the scam before they are approached.

“Be wary of anybody offering contracting services door-to-door,” said Ervin. “Take time to research your home improvement project and don’t fall victim to high pressure sales tactics.”

L&I has guidelines for hiring the best contractor at www.HiringaContractor.lni.wa.gov. Always check that your contractor is registered, bonded, and insured before beginning work on your home.

L and I Media contact: Selena Davis, L&I, 360-902-6878

BBB NOTE: Look up reviews for businesses as part of your research. Go to: www.bbb.org Also, check out seasonal warnings being posted to our active NEWS CENTER at: www.spokane.bbb.org

QUESTIONABLE CALLS BEING REPORTED TO BBB DISPLAY “PHONE SCAM” ON CALLER ID: Use Spoofed #567-248-4455

4/14/2011

Posted on 4/14/2011 by

QUESTIONABLE CALLS BEING REPORTED TO BBB DISPLAY “PHONE SCAM” ON CALLER ID: Use Spoofed #567-248-4455

Scam Calls Offering Everything from Reduced Credit Card Interest Rates, to Loans, to Who Knows What Next

Your regional BBB is receiving reports from its service area stating that people are getting calls with the CALLER ID title of: "phone scam," displaying the # 567-248-4455.

BBB NOTE: This number is being spoofed, and is not the true # of the people calling you.

BBB did a little digging and searched the number online and series of subjective posts warning people about this number, stating the scammers ask you about everything from offering a loan to reducing your credit card interest and may even attempt to quote your personal information back to you (scary!)

There was also this great report about this very scam at consumerist.com:

http://consumerist.com/2010/09/caller-id-says-phone-scam.html

One consumer who received the call in this area stated that she is officially registered on the Do Not Call List, however, this tenacious call seems to still get through.

BBB ADVICE:

Do not talk with calls that seem questionable to you. If they quote your personal or other sensitive financial information, do not confirm or state that it is correct. Limit your time with such a call of you are even going to consider speaking with them. BBB urges caution talking with such a scam.

Be pro-active, and file this number as a formal complaint with FTC’s Do Not Call Abuse Center at: www.donotcall.gov

The McGraw-Hill Companies and BBB's Military Line Join to Bring Financial Literacy to Military Families

4/13/2011

Posted on 4/13/2011 by

(NEW YORK, NY AND ARLINGTON, VA, APRIL 12, 2011) -- As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and the Better Business Bureau's (BBB) Military Line are joining together to develop and deliver expanded financial literacy and consumer protection programs to military families. The campaign builds on six years of BBB Military Line training initiatives and McGraw-Hill's decade-long commitment to ensuring financial literacy for all. The combined effort will reach more than 40,000 military families initially and will include a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions.

According to an October 2010 FINRA (Financial Industry Regulatory Authority) study entitled, "Financial Capability in the United States: Military Survey," military populations suffer disproportionately from financial strain (poor credit, high debt, foreclosures, etc.) due to service members' unique circumstances of long deployments, protracted family separation and frequent moves. The study notes, "Improving financial capability is not only important for military service members and their families, it also affects the military as a whole. When military families make poor financial decisions, the cost of those decisions can undermine military readiness."

"Lack of financial literacy can become a serious national security issue, as well as an unnecessary and burdensome distraction for our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "Financial readiness is critical to mission readiness and BBB Military Line is honored to work with McGraw-Hill to make this happen."

"McGraw-Hill is proud to work with BBB's Military Line to equip the armed forces and their families with the tools to make informed financial decisions," said Harold McGraw III, Chairman, President and CEO of McGraw-Hill. "We applaud First Lady Obama and Dr. Biden for launching this worthy campaign and McGraw-Hill stands ready to do our part."

To view video: http://www.bbb.org/us/article/the-mcgraw-hill-companies-and-better-business-bureas-military-line-join-to-26653

###

About McGraw-Hill

Founded in 1888, The McGraw-Hill Companies is a leading global financial information and education company that helps professionals and students succeed in the Knowledge Economy. Leading brands include Standard & Poor’s, McGraw-Hill Education, Platts energy information services and J.D. Power and Associates. With approximately 21,000 employees in more than 280 offices in 40 countries, the Corporation's sales in 2010 totaled $6.2 billion.

Connect with McGraw-Hill on Twitter and Facebook.

McGraw-Hill's philanthropic mission is to ensure financial literacy for all. Please visit www.mcgraw-hill.com/site/cr/community/financial-literacy for additional information about its financial literacy programs. Additionally, stay up-to-date about McGraw-Hill’s Financial Literacy Now campaign on Twitter and Facebook.

About BBB Military Line

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

MEDIA CONTACTS:

McGraw-Hill Contact:
Jason Feuchtwanger
Director, Corporate Communications
212-512-3151 office
347-419-4169 mobile
jason_feuchtwanger@mcgraw-hill.com

BBB Military Line Contact:
Janet Riessman
Director, Marketing Communications
703-247-9345 office
202-256-7280 mobile
jriessman@council.bbb.org

Sunrise Quality Construction Must Pay $40,000 to the MT Dept of Labor and Industry

4/8/2011

Posted on 4/8/2011 by

FOR IMMEDIATE RELEASE
4/11/2011

Fraudulent Contractor, Sunrise Quality Construction, Must Pay $40,000 to the Department of Labor and Industry

(Helena, MT) The Department of Labor and Industry has issued the largest penalty ever imposed on a contractor in Montana for violating the contractor registration statutes. Contractor John Mulinski and his company Sunrise Quality Construction must pay the Department $40,000 representing $5,000 for each of the eight violations proven in this case.

“This contractor had a clear pattern of failing to give a true address for his business and taking substantial down payments only to leave home owners with partially completed roofing projects,” said Labor Commissioner Keith Kelly. “We want to send a clear message that this type of practice will not be tolerated in the state of Montana.”

Initial complaints were brought against Mulinski, who was a registered contractor with the State, for failing to provide a true address while engaging in contracting violating Montana Code Annotated 39-9-301(2). During the Department’s investigation it was determined that at no time material to the case was Mulinski or Sunrise Quality Construction ever located or in any way affiliated with the address of 5893 or 5895 N. Highway 93, Whitefish, MT. Mulinski repeatedly represented to each of the home owners in his contracts that Sunrise Quality Construction was located at either address; thus making it impossible for the home owners to track him down once he left the job unfinished.

The Independent Contractor Unit of the Department of Labor and Industry wants to remind the homeowners to follow this checklist when working with registered contractors:

· Verify the contractor is registered with the state of Montana

· Check for proper insurance (liability, workers’ compensation)

· Call references and look at past projects

· Have a contract detailing every aspect of the project including how and when paid

· Communicate, assure each of you have a complete understand of expectations

· Visually inspect each part of the project

For more information log onto www.mtcontractor.com or call 406-444-7734.

BBB NOTE: Here is the BBB Business Review on this company
http://www.bbb.org/eastern-washington/business-reviews/building-contractors/sunrise-quality-construction-inc-in-missoula-mt-1000001845/

And here are BBB tips on red flags to watch for with homebuilders: http://www.bbb.org/us/article/home-contractors-tip-offs-to-potential-rip-offs-536

IRS Annual Release of Note: Don’t Fall Prey to the 2011 Dirty Dozen Tax Scams

4/7/2011

Posted on 4/7/2011 by

IR-2011-39, April 7, 2011

WASHINGTON –– Hiding income in offshore accounts, identity theft, return preparer fraud, and filing false or misleading tax forms top the annual list of “dirty dozen” tax scams in 2011, the Internal Revenue Service announced today.

“The Dirty Dozen represents the worst of the worst tax scams,” IRS Commissioner Doug Shulman said. “Don’t fall prey to these tax scams. They may look tempting, but these fraudulent deals end up hurting people who participate in them.”

The IRS works with the Justice Department to pursue and shut down perpetrators of these and other illegal scams. Promoters frequently end up facing heavy fines and imprisonment. Meanwhile, taxpayers who wittingly or unwittingly get involved with these schemes must repay all taxes due plus interest and penalties.

Following is the Dirty Dozen for 2011:

Hiding Income Offshore

The IRS aggressively pursues taxpayers involved in abusive offshore transactions as well as the promoters, professionals and others who facilitate or enable these schemes. Taxpayers have tried to avoid or evade U.S. income tax by hiding income in offshore banks, brokerage accounts or through the use of nominee entities. Taxpayers also evade taxes by using offshore debit cards, credit cards, wire transfers, foreign trusts, employee-leasing schemes, private annuities or insurance plans.

In early February, the IRS announced a special voluntary disclosure initiative designed to bring offshore money back into the U.S. tax system and help people with undisclosed income from hidden offshore accounts get current with their taxes. The new voluntary disclosure initiative will be available through Aug. 31, 2011. The IRS decision to open a second special disclosure initiative follows continuing interest from taxpayers with foreign accounts. In response to numerous requests, information about this initiative is available on IRS.gov in eight different languages, including: Chinese, Farsi, German, Hindi, Korean, Russian, Spanish, and Vietnamese.

Identity Theft and Phishing

Identity theft occurs when someone uses an unsuspecting individual’s name, Social Security number, credit card number or other personal information without permission to commit fraud or other crimes. For example, a criminal can use someone else's information to run up bills on that person's credit card, empty that person’s bank account or take out a loan in that person’s name. And when it comes to taxes, a criminal with someone else’s personal information can file a fraudulent tax return and collect a refund.

Phishing is one tactic used by scam artists to trick unsuspecting victims into revealing personal or financial information online. Phishing involves the use of phony e-mail or websites -- even social media. A scammer may pose as an institution such as the IRS. IRS impersonation schemes flourish during tax season. Spyware, which can be loaded onto an unsuspecting taxpayer’s computer by opening an e-mail attachment or clicking on a link, is another tool identity thieves use to steal personal information.

Identity theft is a major problem that affects many people each year. That's why it's important that taxpayers protect their personal information. Anyone who believes his or her personal information has been stolen and used for tax purposes should immediately contact the IRS Identity Protection Specialized Unit at 1-800-908-4490. A suspicious e-mail or an “IRS” Web address that does not begin with http://www.irs.gov should be forwarded to the IRS at phishing@irs.gov.

Return Preparer Fraud

While most return preparers are professionals who provide honest and excellent service to their clients, some make basic errors or engage in fraud and other illegal activities.

Dishonest return preparers can cause big trouble for taxpayers who fall victim to their ploys. These fraudsters derive benefit by skimming a portion of their clients’ refunds, charging inflated fees for return preparation services and attracting new clients by making false promises. Taxpayers should choose carefully when hiring a tax preparer. Federal courts have issued hundreds of injunctions ordering individuals to cease preparing returns, and the Department of Justice has pending complaints against dozens of others.

To increase confidence in the tax system and improve compliance with the tax law, the IRS is implementing a number of requirements for paid tax preparers, including registration with the IRS and a preparer tax identification number (PTIN), as well as competency tests and ongoing continuing professional education.

The new regulations require paid tax preparers (including attorneys, CPAs, and enrolled agents) to apply for a Preparer Tax Identification Number (PTIN) before preparing any federal tax returns in 2011.

Higher standards for the tax preparer community will result in greater compliance with tax laws, increase confidence in the tax system and ultimately lead to a better experience for taxpayers.

Filing False or Misleading Forms

IRS personnel are seeing various instances in which scam artists file false or misleading returns to claim refunds to which they are not entitled. In one variation of this scheme, a taxpayer seeks a refund by fabricating an information return and falsely claiming the corresponding amount as withholding. Phony information returns, such as a Form 1099 Original Issue Discount (OID), which claims false withholding credits, are usually used to legitimize erroneous refund claims. One version of the scheme is based on the bogus theory that the federal government maintains secret accounts for its citizens and that taxpayers can gain access to funds in those accounts by issuing 1099-OID forms to their creditors, including the IRS.

The IRS continues to see instances in which people file false or fraudulent tax returns to try to obtain improper tax refunds. The IRS takes refund fraud seriously, has programs to aggressively combat it and stops the vast majority of incorrect refunds.

Because scammers often use information from family or friends in filing false or fraudulent returns, beware of requests for such data. Don’t fall prey to people who encourage you to claim deductions or credits you are not entitled to or willingly allow others to use your information to file false returns. If you are a party to such schemes, you could be liable for financial penalties or even face criminal prosecution.

Frivolous Arguments

Promoters of frivolous schemes encourage people to make unreasonable and outlandish claims to avoid paying the taxes they owe. The IRS has a list of frivolous legal positions that taxpayers should avoid. These arguments are false and have been thrown out of court. While taxpayers have the right to contest their tax liabilities in court, no one has the right to disobey the law or IRS guidance.

Nontaxable Social Security Benefits with Exaggerated Withholding Credit

The IRS has identified returns where taxpayers report nontaxable Social Security Benefits with excessive withholding. This tactic results in no income reported to the IRS on the tax return. Often both the withholding amount and the reported income are incorrect. Taxpayers should avoid making these mistakes. Filings of this type of return may result in a $5,000 penalty.

Abuse of Charitable Organizations and Deductions

The IRS continues to observe the misuse of tax-exempt organizations. Abuse includes arrangements to improperly shield income or assets from taxation and attempts by donors to maintain control over donated assets or income from donated property. The IRS also continues to investigate various schemes involving the donation of non-cash assets including situations where several organizations claim the full value for both the receipt and distribution of the same non-cash contribution. Often these donations are highly overvalued or the organization receiving the donation promises that the donor can repurchase the items later at a price set by the donor. The Pension Protection Act of 2006 imposed increased penalties for inaccurate appraisals and set new definitions of qualified appraisals and qualified appraisers for taxpayers claiming charitable contributions.

Abusive Retirement Plans

The IRS continues to find abuses in retirement plan arrangements, including Roth Individual Retirement Arrangements (IRAs). The IRS is looking for transactions that taxpayers use to avoid the limits on contributions to IRAs, as well as transactions that are not properly reported as early distributions. Taxpayers should be wary of advisers who encourage them to shift appreciated assets at less than fair market value into IRAs or companies owned by their IRAs to circumvent annual contribution limits. Other variations have included the use of limited liability companies to engage in activity that is considered prohibited.

Disguised Corporate Ownership

Corporations and other entities are formed and operated in certain states for the purpose of disguising the ownership of the business or financial activity by means such as improperly using a third party to request an employer identification number.

Such entities can be used to facilitate underreporting of income, fictitious deductions, non-filing of tax returns, participating in listed transactions, money laundering, financial crimes and even terrorist financing. The IRS is working with state authorities to identify these entities and to bring the owners of these entities into compliance with the law.

Zero Wages

Filing a phony wage-or-income-related informational return to replace a legitimate information return has been used as an illegal method to lower the amount of taxes owed. Typically, a Form 4852 (Substitute Form W-2) or a “corrected” Form 1099 is used as a way to improperly reduce taxable income to zero. The taxpayer may also submit a statement rebutting wages and taxes reported by a payer to the IRS.

Sometimes, fraudsters even include an explanation on their Form 4852 that cites statutory language on the definition of wages or may include some reference to a paying company that refuses to issue a corrected Form W-2 for fear of IRS retaliation. Taxpayers should resist any temptation to participate in any of the variations of this scheme. Filings of this type of return may result in a $5,000 penalty.

Misuse of Trusts

For years, unscrupulous promoters have urged taxpayers to transfer assets into trusts. While there are many legitimate, valid uses of trusts in tax and estate planning, some highly questionable transactions promise reduction of income subject to tax, deductions for personal expenses and reduced estate or gift taxes. Such trusts rarely deliver the tax benefits promised and are used primarily as a means to avoid income tax liability and hide assets from creditors, including the IRS.

IRS personnel have recently seen an increase in the improper use of private annuity trusts and foreign trusts to shift income and deduct personal expenses. As with other arrangements, taxpayers should seek the advice of a trusted professional before entering a trust arrangement.

Fuel Tax Credit Scams

The IRS receives claims for the fuel tax credit that are excessive. Some taxpayers, such as farmers who use fuel for off-highway business purposes, may be eligible for the fuel tax credit. But other individuals are claiming the tax credit for nontaxable uses of fuel when their occupations or income levels make the claim unreasonable. Fraud involving the fuel tax credit is considered a frivolous tax claim and can result in a penalty of $5,000.

How to Report Suspected Tax Fraud Activity

Suspected tax fraud can be reported to the IRS using Form 3949-A, Information Referral. The completed form or a letter detailing the alleged fraudulent activity should be addressed to the Internal Revenue Service, Fresno, CA, 93888. The mailing should include specific information about who is being reported, the activity being reported, how the activity became known, when the alleged violation took place, the amount of money involved and any other information that might be helpful in an investigation. The identity of the person filing the report can be kept confidential.

Whistleblowers also may provide allegations of fraud to the IRS and may be eligible for a reward by filing Form 211, Application for Award for Original Information, and following the procedures outlined in Notice 2008-4, Claims Submitted to the IRS Whistleblower Office under Section 7623.

Washington State e-commerce Company with Various dbas May Owe you Money

4/4/2011

Posted on 4/4/2011 by

For Immediate Release, March 30, 2011

Washington State e-commerce Company with Various dbas May Owe you Money

Small businesses nationwide are eligible for refunds stemming from Washington Attorney General’s lawsuit

SEATTLE – You may be owed money if you paid a Washington-based company that sold search-engine optimization, shopping cart integration and Web design and hosting services. The Washington Attorney General’s Office says small businesses nationwide are potentially eligible for refunds as a result of a consumer protection settlement with a group of defendants who used multiple business names since 2005.

But the state doesn’t have a way to directly contact those potentially eligible. The defendants claim to have lost the contact information for former customers.

Instead, the state is asking eligible businesses to file a consumer complaint on the Washington Attorney General’s Web site at http://www.atg.wa.gov/FileAComplaint.aspx and request a refund.

You may be eligible for a refund if you bought services from any of these companies and can provide proof of payment:

· White Crane Technologies

· TNT Cart

· Strada Technologies

· Cybercom Technologies

· Wizy-Wiz eCommerce

· ABC eCommerce

Refunds are only available to those whose complaints concern issues prior to Dec. 3, 2010. Businesses or individuals who already submitted complaints to the Attorney General’s Office do not have to submit new documentation, unless requested. Refund requests will be accepted for a year – up until March 29, 2012. Payments will be mailed after that date.

The companies were operated by Jeremy Avey, Alexander Martin and Brent Stanphill. The attorney general’s suit accused the defendants of making misrepresentations about the quality of their services, neglecting to deliver services as promised, providing poor customer service, not honoring money-back guarantees and making unauthorized charges to consumers’ debit and credit accounts. The defendants were also accused of failing to register as commercial phone solicitors.

Avey, Martin and Stanphill can still do business -- as long as they don't break any laws.

Instructions for submitting a restitution request can be found at www.atg.wa.gov/settlements.aspx.

Information about the case and legal documents can be found online here.

Samaritan Ministries ordered to stop offering unauthorized insurance in Washington state

4/4/2011

Posted on 4/4/2011 by

FOR IMMEDIATE RELEASE – April 1, 2011

Media contact: Public Affairs (360) 725-7055

Samaritan Ministries ordered to stop offering unauthorized insurance in Washington state

OLYMPIA, Wash. – State Insurance Commissioner Mike Kreidler on Thursday ordered a health-care sharing ministry to stop offering unauthorized insurance in Washington.

Illinois-based Samaritan Ministries International, a nonprofit corporation, maintains that its member “need-sharing” program is not insurance. Under Washington state law, however, the program is considered insurance.

Insurers doing business in Washington must register with the state, submit their policies and rates for review, and meet state financial solvency requirements. Samaritan Ministries hasn’t done any of those things.

Kreidler on Friday issued a cease-and-desist order telling Samaritan to stop engaging in the unauthorized business of insurance in Washington state, which includes organizing the transfer of money between members.

“Our insurance laws exist to protect consumers and make sure that insurers live up to their promises,” said Kreidler. “Members of groups like this don’t have those protections.”

Samaritan Ministries members agree to pay monthly shares of $135 to $320 to other members who have medical costs, plus a $170-a-year administrative fee. A separate program is available to cover auto-accident injuries.

Members submit medical claims, and the group directs members to send their money to members with medical bills. The group says it has a total of 15,500 members in all 50 states, with shares totaling about $3.5 million per month.

The cease and desist order includes Samaritan Ministries International, its Christian Health Care Newsletter and 20 individuals.

Samaritan Ministries has the right to demand a hearing. The order takes effect immediately.

Huffington Post Reports Epsilon Databreach: Phishing Scam Spinoffs Already Occuring

4/4/2011

Posted on 4/4/2011 by

As of Monday, April 4, 2011, BBB is beginning to see spinoff scammer phishing emails copycating this databreach, making attempts to fake people out that the warnings are coming from official groups, when in reality, they are coming from scammers. One such phishing scam email supposedly comes from Chase Bank...

Reported by Huffington Post Technology, Sunday, April 3, 2011:

Epsilon, an online marketing unit of Alliance Data Systems Corp, said on Friday that a person outside the company hacked into some of its clients' customer files. The vendor sends more than 40 billion e-mail ads and offers annually, usually to people who register for a company's website or who give their e-mail addresses while shopping.

FULL STORY HERE: http://www.huffingtonpost.com/2011/04/03/epsilon-hack_n_844212.html

BBB ADVICE

Follow the advice contained in letters coming from any source affected by this breach. BBB is aware that scammers can take advantage of such breaches by posing as official entities. Make sure that any correspondence coming to you is legitimate.

Watch your INBOX for questionable or random emails containing links that require you to confirm or verify your personal information. Make certain that any emails coming from "officials" are legitimate. If you receive a letter from Chase, make sure that you only communicate directly with Chase, and not anybody who may be posing as Chase.

Do not provide any personal or financial information to any unknown sources unless you know exactly whom you are dealing with.

BUSINESS ADVICE

Tips on what to do if your business experiences a data breach?
http://www.bbb.org/data-security/what-to-do-if-consumer-data-is-stolen/overview/

State of Idaho Brings Attention to April Being Financial Literacy Month

3/31/2011

Posted on 3/31/2011 by

Noting that, “In tough economic times the consequences of financial mismanagement become more severe. People now have an obligation to themselves to be responsible for their financial well-being,” Governor C.L. “Butch” Otter today signed a proclamation establishing April as “Financial Literacy Month.”

“In talking to Idaho citizens, literally everyone in some way has been affected by the economic downturn.” Governor Otter said. “I encourage every Idahoan to take advantage of the great free resources the State and others have available to learn about the wise use of credit, the basics of saving and investing and home ownership preservation, and the pitfalls associated with mortgage modification fraud.”

The Idaho Department of Finance, the Idaho Financial Literacy Coalition (IFLC) (www.idahoflc.org ) – an affiliate of the Jump$tart Coalition for Personal Financial Literacy – and Get $mart Idaho have joined together to sponsor “Financial Literacy Month” in April. The IFLC is a partnership of private and public-sector financial educators with whom Get $mart Idaho is affiliated. The Department of Finance participates year round in the efforts of the IFLC and is proud to take part in this opportunity to draw attention to the need for all Idahoans to obtain money management skills. The Governor signed the Proclamation today at a press conference sponsored by IFLC.

Governor Otter also announced the winners of Idaho’s first annual Piggy Bank Beauty Contest, previously chosen by the IFLC membership. Contest participants, currently in third through sixth grades, created their own banks and entered them in one of the four contest categories: prettiest, scariest, funniest, and celebrity-look-alike. Each winner of the four categories received a $100 U.S. savings bond. The Best in Show winner received a $200 U.S. savings bond.

Other events planned for Financial Literacy Month:

The Department of Finance will offer financial education presentations to Idaho’s high schools, investment clubs, senior centers and universities in April and throughout the school year.

► Get $mart Idaho is sponsoring a luncheon on Thursday, May 5th as part of Financial Literacy Week (May 2-6) in northern Idaho. The luncheon's keynote will be Dr. Angela Lyons, a forerunner in her field in identifying how personal financial management skills can greatly impact individuals. Dr. Lyons is a professor with the Department of Agricultural and Consumer Economics at the University of Illinois at Urbana-Champaign. She has published a multitude of studies that support her teachings, and offers her support to organizations across the county in order to promote the critical importance of financial education and action. You can purchase tickets to this event and check for other events during Financial Literacy Week at www.getsmartidaho.org.

► Weekly Consumer Bulletins focusing on various timely financial topics will be issued by the Idaho Department of Finance during April.

► The Idaho Department of Finance has a section on its website devoted to Financial Literacy Month which highlights the many resources that are available. Website resources include an assortment of financial literacy informational links and brochures, fraud prevention tips, and links to sites on such topics as “Online Fraud Prevention Tips,” “Research your Broker,” “Foreclosure Prevention Resources,” and more. The website can be found at http://finance.idaho.gov under Education/Financial Literacy.

The department’s presentations are drawn from The Basics of Saving and Investing: Investor Education, a personal finance teaching curriculum available free of charge to Idaho teachers, and Money Smart, a training program offered by the Federal Deposit Insurance Corporation. Presentations can be customized to the needs of a particular class.

For more information on any of these events or to schedule a high school, senior citizen, corporate, or collegiate presentation, please call Patricia Highley or Jo Ann Lanham of the Idaho Department of Finance at (208) 332-8004 or toll free within Idaho at 1-888-346-3378. All presentations are free and will be scheduled on a first-come, first-served basis.

* * * *

Department of Finance Press Releases and other information can be found on the Internet at http://finance.idaho.gov and may be obtained by contacting the department at (208) 332-8000 or Idaho toll-free at 1-888-346-3378.

F Rated Direct e-Cig Targets People with Deceptive Offers via Internet

3/31/2011

Posted on 3/31/2011 by

Direct e-Cig Targets People with Deceptive Offers via Internet

Has F rating with BBB

A Hamilton, Montana consumer who tried to take advantage of a “free” Internet offer for smokeless cigarettes says he was burned by unexpected charges that totaled $100 or more, the Better Business Bureau (BBB) warns.

Direct E-Cig has an “F” rating with the BBB:

http://www.bbb.org/west-florida/business-reviews/e-cigarettes/direct-e-cig-in-naples-fl-90083113

BBB complaints point to a significant and ongoing pattern of problems with Direct E-Cig. In most cases, consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more.

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 warns consumers about potential health risks associated with electronic cigarettes. The FDA has said the products can increase nicotine addiction among young people and may lead them to try other tobacco products including conventional cigarettes.

The BBB offers the following advice for consumers who are considering taking advantage of free or low-cost trial offers for smokeless cigarettes or other products:

Be very cautious of committing to trial offers, especially when you are asked to supply credit card information. Often, these offers require you to pay the full price for the product or automatically enroll you in an ongoing program as soon as the trial period is over.
Consumers often report difficulty canceling their agreements, even if they try to follow all requirements.
Understand that, in some cases, these companies can supply your contact information to other businesses.
Check out BBB Business Reviews by going to www.bbb.org or by calling 800-356-1007.

THE JAMAICAN SWEEPSTAKES SCAM MISUSING THE BBB NAME IN ITS PITCH

3/31/2011

Posted on 3/31/2011 by

THE JAMAICAN SWEEPSTAKES SCAM MISUSING THE BBB NAME IN ITS PITCH RETURNS WITH FULL FORCE

Your Regional BBB Hears from Washtucna, WA Victim who has sent over $12,000; Scammers use random Spokane address of 21 E. Rockwood Blvd, Spokane, WA to seem legitimate

More Deceptive Now in Stating they are BBB; When Callers Tell Them to Take them off their list, they call back again, and Caller ID spoofs “BBB”

It’s baaaaaaaack! But more aggressive than ever.

We have issued various warnings over time about this scam. Well, again, several BBBs nationwide are now reporting that they are receiving calls from consumers who state they are receiving calls on their cells from Jamaican-based numbers, sometimes with the caller leaving messages on voicemail.

Various Jamican numbers are being reported as being used, some of which are:

876-580-1176
876-891-0796

BBB NOTE: Numbers can be easily spoofed, blocked and otherwise, just easily FAKED.

The speakers of these calls all have thick Jamaican accents and identify themselves as being with the Better Business Bureau. The callers go onto state that you have won anywhere between $250,000 and 2.5 million dollars. All you need to do is provide bank account information to cover shipping and handling.

One consumer returned the call left for him, told the guy that he didn’t want the money and to not call him again. He promptly received another call on his phone while at work.

TWIST? The CALLER ID indicated the call was from the BBB so he answered it. The same voice asked if he was at home and said he needed to respond immediately.

ADVICE

Put two and two together and it will make sense. BBB does not run sweepstakes contests, so why would someone from out of the country be calling you from BBB to say you’ve won? Don’t bite! Protect your personal information. Immediately tell them that you are onto them, and that you will no longer speak with them, and will report it. Additionally, BBBs do not operate in Jamaica. If you have fallen victim aka compromised any personal or financial information, do your due diligence to alert those entities associated with what you gave up, and file a police report.

FBI: Scam Targeting Montana Attorneys

3/24/2011

Posted on 3/24/2011 by

KRTV in Montana ran this story warning Montana attorneys of a scam that has been on BBB's radar for a while now:
http://www.kxlh.com/news/fbi-scam-targeting-montana-attorneys/

BBB began warning attorneys of this scam when it first surfaced last year. Emails are randomly circulated, and this scam ebbs and flows, using a variety of "catches" aka "red flags" to attempt to get an attorney to bite:

According to KRTV, samples of scam e-mails received by attorneys and forwarded to the FBI state lines such as:

Dear Attorney
"I anticipate your response on how I can through your firm get redress"

"We have been unable to follow up payments effectively for transactions with debtor customers in your country..."

"...i would like you to assist me in collecting the money ..."
"I am contacting your firm in regards to a divorce..." settlement...

"I am hereby seeking your firm`s assistance in collecting the balance from him."

Additional examples of other such fake email letters to attorneys are posted here, at this attorney blog:
http://lawyerscam.blogspot.com/

BUSINESS ADVICE
Be wary of such random emails that come to your office. As usual, make sure you are dealing with a legitimate person. Do not click on any hyperlinks that could be contained within the emails, and don't play bank with them. Red flags are: Spelling errors, serious urgency, out of country plea, only communicates via email, wants to make payment for whatever by check. Train your entire staff to recognize these scams when they come to your INBOX at the workplace. Scammers look for weak links within a company.

WHAT TO DO IF YOU FALL VICTIM
Make sure you get pro-active and file a formal complaint with the FBI at: www.ic3.gov and/or file a police report with local authorities to start a paper trail. Secure any compromised personal or financial info.

BBB 2010 Annual Report on Complaint Activity: Complaints up Ten Percent Nationwide

3/23/2011

Posted on 3/23/2011 by

BBB 2010 Annual Report on Complaint Activity: Complaints up Ten Percent Nationwide

Cable/satellite TV, cell phone industry and new car auto dealers top the list for most complained about industries

Arlington, VA – March 22, 2011 – According to an annual report released today by Better Business Bureau, consumers filed 1.1 million complaints against North American businesses in 2010, reflecting a ten percent increase over the previous year. Consumers also turned to the non-profit more than 87 million times for help researching businesses across North America, a whopping 37 percent more than in 2009.

The cable and satellite TV industry received the largest number of complaints with 30,985, a 5 percent decrease over last year. The cell phone industry ranked second with 27,293 complaints, but saw a 29.6 percent decrease over 2009. Rounding out the top three, new car auto dealers received 24,698 complaints, an 8.1 percent decrease over the previous year.

While the cable and satellite TV industry, cell phone industry and new car dealers received a high volume of complaints, the BBB report shows that they also have a higher rate of resolution with consumers than the average rate (78 percent) across all industries in 2010. Cable and satellite TV resolved 98.6 percent of complaints, a slight increase from 2009; the cell phone industry resolved 92.1 percent; while new car dealer companies resolved 87.4 percent of all complaints.

The report also reveals that the 3 million BBB Business Reviews are increasingly popular as a free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating and complaint history—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

Following are the top 10 industries by volume of consumer complaints filed across North America with BBB in 2010:

Industry	Total Complaints	Rank by number of complaints1	Percentage Increase over 2009	Percentage of Resolved Complaints 2
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phones Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers-New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

1 Complaint rank is out 4,483 industries categories

2 Average resolution rate across all industries for 2010 was 78 percent

2010 TOP TEN COMPLAINT CATEGORIES

FOR YOUR REGIONAL BBB
(Central/Eastern WA, Northern ID and MT)

Top 10 Most Complained About TOBs (by Primary TOB) 2010

CAR DEALERSHIPS
MAGAZINE SALES
USED CAR DEALERSHIPS
COLLECTION AGENCIES
AUTO REPAIR AND SERVICES
FURNITURE RETAILERS
REAL ESTATE COMPANIES
GENERAL CONTRACTORS
REAL ESTATE MANAGEMENT
HOTELS

Total Complaints Processed by your Regional BBB in 2010: 3,082 (compared to 3,278 in 2009.)

Web Inquiries: 349,382 (compared to 226,782 in 2009)

Verbal Inquiries 2,762 (compared to 9,238 in 2009)

These regional stats show a significant increase in 2010 in the amount of consumers and businesses that switched from direct calls to BBB for verbal reviews to the internet and other formats to gain BBB reviews, file complaints and seek sage advice.

MEDIA:

For a complete industry breakdown of all complaints filed nationwide with the BBB in 2010 go to www.us.bbb.org/statistics.

Council of BBB Media Contact for Nationwide stats release:

Kelsey Owen, PR Director, 703-247-9376.

Regional BBB Media Contacts for Regional stats info:

Contact Zan Deery, Regional Media Contact, for any regional quotes regarding our 2010 stats: 509-232-0534 or 800-248-2356.

About BBB

BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Business Reviews and charity BBB Wise Giving Reports^TM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than three million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

BBB Warning for Yakima about ULTIMBLOCK.com Posing as Microsoft Security Center

3/22/2011

Posted on 3/22/2011 by

A Yakima area man was duped into thinking that the people calling him about his computer’s security was an official Microsoft Security Center techie.

When he agreed to allow them to help him with his computer, his computer ended up being locked up by an out of country company that falsely stated they were Microsoft’s Security Center.

The billing name on his credit card was ULTIMBLOCK.COM (all caps on his statement). His charge was higher due to the “foreign currency exchange.”

Here is some internet info regarding this group, which is supposedly out of Russia, and experts are deeming a scam: http://webcache.googleusercontent.com/search?q=cache:l6okMk7H8YkJ:www.enigmasoftware.com/fakeeclipseantivirus-removal/+ULTIMBLOCK.COM+,+scam%3F&cd=1&hl=en&ct=clnk&gl=us&source=www.google.com

He then called Microsoft and Microsoft confirmed that they are not at all affiliated with this group.

Here are our tips on this, also what to do if you run into this scam:

http://spokane.bbb.org/article/cons-mimic-microsoft-say-computer-has-problems-25276

www.usgolfsale.com: Name Brand Golf Clubs & Accessories Online, For Real?

3/21/2011

Posted on 3/21/2011 by

BBB Urges Caution:

www.usgolfsale.com

Selling Name Brand Golf Clubs and Accessories Online

Displaying BBB Logo without Authorization

A Montana business owner contacted BBB inquiring about a web site selling golf clubs that displayed the BBB logo. BBB was unable to locate a legitimate BBB Accredited Business profile for this group, because none exists. Red flags of this web site:

*This company is misusing the BBB logo on its site.

*Web site is privately registered in China.

*No other way to contact company other than email.

*Several negative subjective posts online about them.

Subjective posts online state experiences with this company of having purchased name brand clubs online from them, having them shipped, and when delivered, taking them to experts at various golf stores, etc. locally who are deeming what this group is selling as knock-offs. To add to this, those posting online state that if you go directly to Calloway and Taylormade, etc. they are aware of this group and its’ knock offs, and the posts suggest that if you contact the real company directly, they will actually give you a letter stating that what you bought was fake if you want to attempt to dispute the charge with your credit card.

BBB NOTE: Whatever way you look at it, a lower or cheaper cost for a name brand product doesn’t always mean you are in the right to buy it. BBB strongly urges people to not support out of country companies that produce knock-off brand-name products. This is pirating, at best, and is illegal in the U.S.A.

How to File a Complaint

We urge you to file a formal complaint with the Federal Trade Commission at: www.ftc.gov as well as with the FBI at: www.ic3.gov You can make an attempt to dispute the charges on your credit card if you paid by cc.

FTC and FDA Warn Consumers about Drug-Related Pitches Concerning Protection from Radiation Exposure

3/21/2011

Posted on 3/21/2011 by

Recent reports of events in Japan are causing scam artists to try to convince consumers that they need potassium iodide pills and drops to protect themselves. Potassium iodide, or KI, can help prevent thyroid cancer, which is one of the biggest risks from contamination with radioactive iodine. However, public health experts agree that U.S. residents should not buy or take potassium iodide unless specifically notified or instructed by public health officials.

The FDA issued its own warning last week about such tactics surfacing, but has also set up a “Radiation Safety” page specific to the Japanese disaster with Q and A regarding food and drug safety in the aftermath of the disaster: http://www.fda.gov/NewsEvents/PublicHealthFocus/ucm247403.htm

And the Federal Trade Commission, the nation’s consumer protection agency, cautions that fraudsters follow the headlines, tailoring their offers to prey on current consumer fears and vulnerabilities. The FTC, the Centers for Disease Control and Prevention, and the Food and Drug Administration, urge consumers to:

Consult their doctors before they buy: Some people are allergic to iodine and shouldn't take potassium iodide. (A seafood or shellfish allergy doesn't necessarily mean that you are allergic to iodine.) If you are unsure about this, consult your doctor. People with certain skin conditions (for example, dermatitis herpetiformis or hypocomplementemic vasculitis), as well as people with nodular thyroid with heart disease, should not take KI.

Understand that taking potassium iodide cannot:

prevent radioactive iodine from entering the body. It can protect the thyroid, but not other parts of the body, from radioactive iodine.
reverse the health effects caused by radioactive iodine once damage to the thyroid has occurred.
protect the body from radioactive elements other than radioactive iodine. If radioactive iodine is not present, taking potassium iodide will not help.

If you decide to buy potassium iodide, buy it only from a reputable source. Iosat, ThyroSafe, and ThyroShield are the only potassium iodide products that are FDA-approved and can be legally marketed and sold in the United States.
For more information on these products, contact:

Anbex, Inc. for Iosat Tablets (130 mg) at 212-580-2810 (M-F 9am-5pm EST), at 1-866-463-6754 (other times), or www.anbex.com
ThyroSafe Tablets (65 mg) at 1-866-849-7672 or http://www.thyrosafe.com/recip.html
Fleming & Company, Pharmaceuticals for ThyroShield Solution at 636-343-8200 or http://www.flemingcompany.com or http://www.thyroshield.com

Follow dosing instructions carefully. More is not better: Taking a higher dose of potassium iodide – or taking it more often than recommended – doesn’t offer any additional protection; in fact, it can cause severe illness – even death.

For More Information from the Federal Government:

Centers for Disease Control and Prevention Radiation Emergencies
- Potassium Iodide
- Frequently Asked Questions About a Radiation Emergency
Food and Drug Administration (FDA)
- Frequently Asked Questions on Potassium Iodide
- Radiation Emergencies

U.S. Department of Agriculture, Food Safety and Inspection Service (USDA, FSIS)
- For a table of links to each state’s Department of Health page

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad.

All World Choices: Timeshare Resale Scam Lifts Boulder, MT Address

3/18/2011

Posted on 3/18/2011 by

ALL WORLD CHOICES of Boulder, MT

Timeshare Resale Scam Uses Dirt Lot Address in Boulder

Thanks to the Montana Attorney General’s Office for this Warning!

140 W. CENTENNIAL AVENUE
BOULDER, MONTANA 59632
Fax / 888-835-7068
(406)225-6131

www.allworldchoices.com
contact@allworldchoices.com

Thanks to the MT Attorney General’s office, the Boulder Chamber of Commerce and the Jefferson County Sheriff’s Office, BBB is able to warn people about this latest timeshare resale scam operating using an address that is merely a dirt lot, and a fake 888# to seem legitimate.

The MT AG’s office alerted the BBB that they got a call from the Boulder Chamber stating that both their office as well as City Hall are receiving calls from out of the area regarding this group.

A CA man stated to the Boulder Chamber that he had received a questionable and random call from All World Choices with an offer to resell his timeshare for him.

RED FLAGS OF THIS OFFER:

*offer uses a web site that is privately registered outside of the country: http://www.networksolutions.com/whois-search/allworldchoices.com Web site has no privacy policy or terms and conditions listed.

*address is merely a dirt lot in Boulder, Montana

*phone number listed is not valid (and is most likely being spoofed to make it look like it is an official MT number)

*”company” is not properly registered to conduct business in the state of Montana.

HOW TO FILE COMPLAINTS

We urge caution dealing with this group. If you have an unresolved issue, we urge you to be pro-active and file formal complaints where appropriate.

File formal complaints with your state Attorney General's Office as well as the Federal Trade Commission at www.ftc.gov If any group states that they “received your contact info from your timeshare group,” we urge you to contact your group directly to confirm the validity of that statement.

BBB ADVICE

Timeshare scams abound right now, so whether you are a seller or a purchaser, make certain that you do your research prior to agreeing to anything. Check 1^st with BBB for a business review on the company. BBB urges consumers to use caution when dealing with any company that requires you to wire money and/or asks that you sign an agreement you may not fully understand, and contains blank spaces in the document. Also, think twice about going with a company that states to you that they aren’t required to register as a company in the state in which they operate because they do “international business.”

Additionally, do the following:

*Do not agree to anything over the telephone until you have had a chance to check out the company.

*Ask the person to send you written materials.

*Ask for references, including address and phone number and contact them.

*Ask 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.

*Find out if the company 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? Is it refundable?

*Be wary of companies charging an advance "appraisal" fee for services. Consider opting for a company that offers to sell for a fee only after the timeshare is sold.

*Contact the Better Business Bureau (www.bbb.org), state Attorney General's office, and local consumer protection agencies in the state where the company is located to find out if complaints have been lodged against the company.

Keep in mind that there are other resale options. You may try selling your timeshare yourself, by placing an ad in a newspaper or magazine, or contacting a real estate agent familiar with the area. If all the timeshares have been sold in your development, consider asking the seller to establish an on-site resale office. As an alternative, you may consider an exchange program. For a fee, these programs allow you to arrange trades with other resort units in different locations.

Good story on this matter: http://www.msnbc.msn.com/id/39543605/ns/business-consumer_news/

WA L and I: Spokane Man Guilty of Stealing Workers’ Compensation Benefits

3/17/2011

Posted on 3/17/2011 by

March 17, 2011, SPOKANE — An anonymous tip led to a guilty verdict for a Spokane man accused of stealing more than $30,000 worth of workers’ compensation benefits, the Department of Labor & Industries announced today.

Christopher Koker, 53, suffered a job-related injury in March 1999 and received medical treatments and time-loss compensation because of his inability to work.

The L&I investigation revealed Koker had organized and managed 11 gun shows between May 6, 2006 and Nov. 10, 2007, all while collecting time-loss benefits.

Investigators also discovered Koker was assisting in operations at a Spokane gun store.

A Spokane County Superior Court jury convicted Koker on all 26 counts of second degree theft for which he was charged. He is facing a prison sentence of 22 – 29 months plus restitution payments totaling $31,309. Sentencing is scheduled April 6 at 4 p.m.

“The jury’s decision continues the Department’s 100% conviction rate,” said Carl Hammersburg, Fraud Prevention and Compliance Manager at L&I. “They easily saw through Mr. Koker’s deception to the fraud he committed.”

The tip that led to this conviction came through an online form for reporting fraud, at fraud.lni.wa.gov. Anyone who suspects fraud may also call L&I’s fraud hotline at 1-888-811-5974.

Late 2010 BBB Revocations

3/17/2011

Posted on 3/17/2011 by

BBB BUSINESS ACCREDITION REVOKED

Standards differentiate BBB Accredited Businesses from the rest.

BBB is about its Standards and Delivering TRUST.

UNIVERSAL SALES AND SERVICE

6321 N Helena St
Spokane, WA 99217
(509) 483-2311
Principal: Kerry Hunka

BBB Business Review:

http://www.bbb.org/eastern-washington/business-reviews/auto-dealers-used-cars/universal-sales-and-service-in-spokane-wa-6000311/

On October 26th, 2010, this company's Accreditation with the BBB was revoked by the BBB's Board of Directors due to failure to make a good faith effort to resolve disputes. Upholding BBB accreditation requires meeting all BBB's standards.

SMOOTH MOVES

12 North Jefferson Street
Kennewick, WA 99336
(509) 460-8158
http://www.gosmoothmoves.com
Principal: Kenny Teasdale

BBB Business Review:

http://www.bbb.org/eastern-washington/business-reviews/movers/smooth-moves-llc-in-kennewick-wa-1000000921/

On September 28th, 2010, this company's Accreditation with the BBB was revoked by the BBB's Board of Directors due to failure to maintain proper and current licensing requirements for its industry. Upholding BBB accreditation requires meeting all BBB's standards.

S&J ENGINES

817 N Lincoln St.
Spokane, WA 99201
(509) 325-4558
Principal: Jeffrey L. Johnson

BBB Business Review: http://www.bbb.org/eastern-washington/business-reviews/engines-rebuild-and-exchange/s-j-engines-inc-in-spokane-wa-5000611/

On August 8th, 2010, this company's Accreditation with the BBB was revoked by the BBB's Board of Directors due to failure to make a good faith effort to resolve disputes. Upholding BBB accreditation requires meeting all BBB's standards.

RESCUE GEEKS

702 N 19th Ave Suite 1B
Bozeman, MT 59718
(406) 209-6813

725 W Central Ave Ste 205
Missoula, MT 59801
(406) 529-7277
Principal: Andy Santiago

BBB Business Review:

http://www.bbb.org/eastern-washington/business-reviews/computers-dealers/rescue-geeks-in-bozeman-mt-64171136/

On August 2nd, 2010, this company's Accreditation with the BBB was revoked by the BBB's Board of Directors due to failure to respond to all complaints brought to its attention by BBB. Upholding BBB accreditation requires meeting all BBB's standards.

To view a complete list of BBB Standards of Trust visit:

http://spokane.bbb.org/localstandards

Charities Providing Japan Earthquake Relief

3/16/2011

Posted on 3/16/2011 by
The list below identifies national charities that are seeking to provide assistance in response to the earthquake in Japan. This list only includes those charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization. Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

American Red Cross
AmeriCares
CARE USA
Catholic Relief Services
Church World Service
Direct Relief International
GlobalGiving
International Rescue Committee
Oxfam America
Save the Children
World Vision

If you are with a nationally soliciting charity that meets all of our standards and are providing assistance in Japan, please contact us at charities@council.bbb.org to be included on this list.

Franklin PUD Warns Customers of Scam Using Fake Checks: Franklin Management, Inc.

3/15/2011

Posted on 3/15/2011 by

Franklin PUD Warns Customers of Scam

February 15, 2011: Franklin PUD warns customers to be aware of a recent phone and check cashing scam. We have been notified that a company has obtained our checking account number and is posing as “Franklin Management Inc.” in an effort to get people to cash a check that has been sent to them telling them that they have been selected as a “winner”. Under no circumstances should customers be cashing these checks.

We have also been notified that customers are receiving calls where the caller claims if your Franklin PUD power bill is paid on time, you qualify to win a certain amount of money. They are requesting your personal information including your address in order to send you a “packet of information”. “Fortunately, Franklin PUD has adequate controls in place through our bank to make sure none of these bad checks have been cashed”, said Tim Nies, Franklin PUD Auditor and Director of Administrative Services.

Franklin PUD does not call customers for these types of claims. If you are unsure whether the call is actually from Franklin PUD or have any questions, please call 546-5959 or 546-5955.

Donor Alert: Giving to Pacific Tsunami and Japanese Earthquake Victims

3/11/2011

Posted on 3/11/2011 by

Donor Alert: Giving to Pacific Tsunami and Japanese Earthquake Victims

Be Sure Disaster Relief Charities are Legit and Equipped to Help

March 11, 2011 – As we learn more about the 8.9-magnitude earthquake that hit near the northeast coast of Japan today, the BBB urges givers to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Help will be needed regarding the earthquake and the major tsunami that slammed Japan's eastern coast and that is expected to hit many areas of the Pacific today, potentially including the U.S. West Coast and Hawaii.

BBB offers the following seven tips to help Americans decide where to direct donations:

Rely on expert opinion when it comes to evaluating a charity.

Be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the tsunami disaster in 2004, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Find out if the charity has an on-the-ground presence in the disaster impact areas.

Unless the charity already has staff in the affected areas, it may be difficult to get new aid workers to quickly provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.

Find out if the charity is providing direct aid or raising money for other groups.

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 earthquake victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Gifts of clothing, food or other in-kind donations.

In-kind drives for food and clothing, while well intentioned, may not be the best or quickest way to help those in need. Even if the organization has the staff and infrastructure to be able to properly distribute such aid, a money donation may be far more helpful to a charity that is responding to a crisis situation.

Donate directly to the relief charity you have chosen.

You may be tempted to make a donation by texting. Charities can raise significant sums this way, but be aware that it might take a long while for the money to reach the nonprofit if it is given through mobile texting. Text donations also typically have limitations on the amount you can give. To put your disaster relief gift to work faster, go directly to the charity’s website to make your donation, or call them with your credit card number.

You can start your search of BBB Accredited Charities here: www.bbb.org/charity

Additional disaster relief information as of 3-11-11, 12:00pm:

American Red Cross details regarding locating family and friends in affected regions:

http://newsroom.redcross.org/2011/03/11/disaster-alert-earthquake-in-japan-tsunami-warnings/

Tax Scam Alert for MT from MT AG

3/10/2011

Posted on 3/10/2011 by

A lot of people dread filling out their taxes. The official forms can be confusing and some people are afraid of filing because they think they owe a lot of money or may have been fined penalties for failing to file in the past.

Into this confusion and fear, scammers have begun targeting Montanans, especially now as the tax-filing deadline nears.

The Office of Consumer Protection at the Montana Department of Justice has been researching these schemes. I’m sending out this Scam Alert to let you and your families know about rip-offs so you can keep yourself and your financial information safe.

There’s also some good news to report: A number of free services exist to help Montanans file their taxes, even for people who may think they don’t qualify for such services, people who owe substantial sums or people who have not filed in years.

Additionally, the IRS is now able to turn around a tax return in days and Montanans can now expect to get their returns deposited in their bank accounts in as little as 10 days if they file online.

Here is a look at some of the common scams, followed by links and information about free help with your taxes. Oh, and remember: The IRS has extended the tax filing deadline to April 18.

IRS E-mail Scams: Beware of e-mails purporting to be from the IRS or the U.S. Department of Treasury. Scam artists use tax season to phish for all sorts of personal information, including social security numbers, bank account numbers, pin numbers, names, birthdates, and other valuable information. These e-mails are often convincingly realistic, with government seals and intimidating language. Sometimes the e-mails will even ask the recipient to wire money in order to pay off “fines” or other fees. The e-mail may redirect the recipient to a website which is designed to look like a legitimate government website, but is in fact a fake site used by scammers to steal more information. The actual IRS does not solicit your personal information through e-mail. In fact, they already have your personal information. The real IRS website is http://www.irs.gov/ .

The IRS also offers Taxpayer Assistance Centers in every state, including six in Montana. A complete list is available here. In addition to offering other services, center personnel can tell you if an e-mail you have received is a phishing scam from a criminal seeking your personal financial information or a legitimate correspondence from the federal government.

Misleading Mailers: Some outfits send letters to taxpayers that appear to be official IRS documents warning citizens that the federal government has attached a lien on their home or levied other kinds of fines for failing to pay taxes. In small print, these documents disclose that the sender is not the IRS, but an entity that can help you deal with the IRS. These mailers are misleading and fail to inform taxpayers that free, local help is available in many Montana communities for taxpayers with questions. Often times, this free help is offered regardless of income level. Other programs are available only to lower and middle-income taxpayers.

More details of tax related scams – and places where you can get free help with your taxes – is on our website.

BBB NOTE: Interesting piece from finextra.com reporter, Robert Siciliano warning people that tax-related ID theft cases are up: http://www.finextra.com/community/fullblog.aspx?id=5076

For further tips on what to watch for when hiring a tax preparer, do your research, start with trust, start with BBB at: www.bbb.org Consider using an accredited tax preparer.

MT AG Makes Preventing Wire Fraud Focus of Consumer Protection Week in MT

3/9/2011

Posted on 3/9/2011 by

Editors and News Directors: broadcast quality audio of Attorney General Bullock can be downloaded online at: http://www.doj.mt.gov/

NEWS RELEASE

ATTORNEY GENERAL STEVE BULLOCK

STATE OF MONTANA

FOR RELEASE: March 9, 2011

CONTACT: Kevin O'Brien, 444-0582 or Judy Beck, 444-5774

MT AG Makes Preventing Wire Fraud Focus of Consumer Protection Week in MT:

Regional BBB joins forces to heighten awareness and to educate

HELENA - Scams that convince Montanans to wire money to con artists have become such a widespread problem in Montana that Attorney General Steve Bullock has made wire fraud the main focus of Montana's Consumer Protection Week.

"In recent months, we've seen more and more scams asking hard working Montanans to wire money out of the state, and often, out of the country," Bullock said. "My Office of Consumer Protection gets calls about these scams on a daily basis, but once the money is wired, it's gone. Our best defense is to spread the word far and wide before people become victims."

While Bullock said the scams are constantly changing, two of the most common recent versions target grandparents and would-be lottery winners.

In the grandparent scam, an older person gets a phone call from someone who pretends to be his or her grandchild. Often the caller is crying, sounds distressed, and may claim to be in a foreign country. The caller then begs the elderly person to wire money as soon as possible and not to tell relatives or friends. While the entire scenario is fiction (the person's real grandchild is not in trouble), the scammers are very convincing. Unfortunately, once a trusting grandparent wires money interstate or overseas, it is virtually impossible to trace and recover.

According to Bullock, cases tracked by the Office of Consumer Protection last year alone put the cost of the grandparent scam to Montana seniors at more than $68,000. Since that figure reflects only the victims who reported the scam to the Montana Department of Justice, the true cost to Montana's grandparents is likely much higher.

Bullock also indicated that, while sweepstakes and lottery scams are not new, they are on the rise. The schemes differ on specifics, but most follow a formula: a person receives an unsolicited letter, e-mail or phone call from an organization claiming to be a legitimate lottery in a foreign country, a private sweepstakes firm or a lottery "commission." They all bear the same message: You're a winner! To redeem his or her "winnings," a person must first send or wire money to lottery or sweepstakes officials.

The checks that accompany these scams often look very realistic; many are fakes copied word-for-word from real businesses. And while these checks always bounce, even if a bank initially accepts them, the money a "winner" wires away is all too real - and in almost every case, that money is gone for good.

According to Zan Deery, Director of Communications and Lead Investigator for the regional Better Business Bureau, 25 percent of the calls they receive involve the potential wiring of funds related to some scam or another.

"Friends, relatives and loved ones can play a huge role influencing our elders about scams, Deery said. "Don't be shy about it. The climate out there is much more aggressive and deceptive than ever, due partly to the rise of new technology in "newcomers'" hands, and to the fraudulent use of Caller ID to mask scamming calls. If the word "wire" is used in any part of a conversation with an unknown entity, no matter how good it sounds, consider it a huge red flag, and just say NO."

Montana AARP Executive Director, Bob Bartholomew, also expressed concern about these scams.

"It's heartbreaking, but the hard reality is that seniors here are being targeted. Some families are finding out too late that their parents or grandparents have wired their entire life savings to criminals in foreign countries," Bartholomew said. "By supporting the educational efforts underway through the Office of Consumer Protection, AARP is an active partner in raising awareness so that seniors in Montana develop a healthy skepticism."

Attorney General Steve Bullock also encouraged Montanans to sign up for Scam Alerts, a new service being provided by the Office of Consumer Protection. The office tracks scams and sends out alerts on the latest pitches. To learn more and to sign up for Scam Alerts, visit www.consumermprotection.mt.gov.

March 6 - 12 is National Consumer Protection Week. One of the functions of the Montana Attorney General's Office is to work to protect Montana's consumers, both through law enforcement efforts and by education and outreach on important consumer issues.

Top Ten Tips for the Savvy Consumer

1. NEVER give out personal information to someone soliciting it from you over the phone or the internet.† Banks will NEVER call and ask for your personal information.

2. NEVER wire or give money to someone you don't know (Even if you think it's someone you know, follow-up to make sure!).

3. If it sounds too good to be true, it probably is.

4. Get a security freeze on your credit (go to www.consumerprotection.mt.gov to access forms)

5. Use common sense, trust your gut, and do your due diligence: ask around, talk to others, call us if you have any doubts or questions.

6. Be skeptical, resist high pressure tactics, take your time.

7. Ignore postcards and advertisements for free products, sweepstakes wins, magazine sales, etc. If you did not enter into the lottery or sweepstakes that is contacting you, you did not win.

8. Register with the Federal Do Not Call Registry (www.donotcall.gov)

9. Keep an eye on your bank and credit card statements.† Be alert to small charges which may appear insignificant, but will add up over time.

10. Shred any financial documents or other documents which contain personal information (Social Security numbers, birthdates, personal contact information, bank account or credit card information, etc.

BBB NOTE: Look up a company review at: www.bbb.org or call 800-356-1007 during business hours for adivice or info.)

WA Attorney General’s Consumer Resource Centers saved public $4.8 million

3/8/2011

Posted on 3/8/2011 by

Rob McKenna
ATTORNEY GENERAL OF WASHINGTON
1125 Washington Street SE · PO Box 40100 · Olympia WA 98504-0100

FOR IMMEDIATE RELEASE
March 8, 2011

Attorney General’s Consumer Resource Centers saved public $4.8 million

Collection agencies continue to lead in complaints

SEATTLE – In a sluggish economy when every dollar saved counts, the Attorney General’s four Consumer Resource Centers are a valuable ally. Helping consumers and businesses resolve disputes, at no cost and without picking sides, the program’s volunteers and staff handled complaints from more than 22,000 people last year and helped recover $4.8 million those individuals said they were owed.

“Our Consumer Resource Centers go above and beyond to prevent the public from losing money to fraudsters, and to spare consumers and legitimate businesses the cost and headaches of going to court to resolve quarrels.” Attorney General Rob McKenna said.

The office’s Consumer Protection Division released its annual Top 20 list of consumer complaint categories today in conjunction with National Consumer Protection Week, along with statistics showing how much money its services saved the public in 2010.

On average, two out of every three complaints are resolved through the informal mediation service.

“The stats are impressive but the value of the Consumer Resource Centers can’t always be factored by a calculator,” McKenna said.

Recent messages from satisfied individuals help tell the story:

· From an unemployed Seattle resident who filed a complaint concerning an online company that provides skills testing for job applicants: “I just got an e-mail from the business and they will refund me $300. I'm really happy about this. … I wanted to thank you for your hard work and persistence. This was a complex issue that no one else would help me resolve.”

· From a Blaine man who complained about an unauthorized charge on his credit card stemming from an apparently misdialed number: “Please accept my thanks for your successful effort in my case. I am positive I could not have achieved the same results on my own.”

· From the owner of a Port Angeles car dealership that was subject to a customer complaint: “I appreciate your time yesterday – you have definitely dispelled any myth that great customer service does not exist in public government! I was impressed with your prompt follow up and with how quickly you called me…In the private sector, if people don’t like what they see or the service they are getting, they go elsewhere. In the public sector, that is not always a choice. It perhaps stings more when people stop and realize it is their tax dollars. It is assuring to know that our tax dollars in your department are working hard – thank you for your dedication, commitment and professionalism!”

The centers also are a clearinghouse for general information about consumer protection concerns. Staff and volunteers handled 39,250 phone calls from the public in 2010. The most commonly asked questions included those relating to car purchases, collection agencies and advance-fee schemes that typically involve a request to wire money. The centers are also skilled at helping consumers whose issues fall outside the office’s jurisdiction. Requests for legal advice and disputes between apartment renters and landlords, for example, are referred to appropriate organizations.

Attorneys in the Consumer Protection Division enforce the state’s consumer protection laws and recovered more than $3.4 million for consumers through civil litigation during the 2009-2010 fiscal year. The division also administers the state’s Lemon Law program, which saved car buyers $2.8 million during the fiscal year, and a Manufactured Housing Landlord-Tenant Dispute Resolution Program.

Collection agencies lead in complaints to Attorney General’s Office

Call it a sign of the times. For the second consecutive year, Washington consumers filed more complaints about collection agencies than any other industry.

Complaints about the collection industry rose 7 percent from 1,795 in 2010 to 1,671 in 2009. The industry garnered 8 percent of the 22,141 written complaints the Consumer Resource Centers handled last year.

Cable networks ranked fourth on the AGO’s list in 2009 with 1,465 complaints and have been a steady climber, thanks largely to lawsuits involving DIRECTV and Dish Network. This year, the Attorney General’s Office lumped cable networks with Internet service providers (ranked 17^th in 2009) to create the new category of broadband service providers. Together, the industries surfed into 2nd position with 1,754 complaints.

That change helped the telecommunications sector slip to third place. A longtime holder of the top spot on the AGO’s list until last year, those phone companies also saw an 18 percent drop in complaints from 1,670 in 2009 to 1,366 in 2010.

Retailers and auto sales rounded out the top five, consistent with previous years.

2010 Top 20 Consumer Complaint Categories

Complaint statistics - tables, charts and graphs: www.atg.wa.gov/complaintstats.aspx

Consumer Resource Center Hotline: 1-800-551-4636. Calls answered 10 a.m. – 3 p.m. weekdays.

File a Complaint Online: http://atg.wa.gov/FileAComplaint.aspx

All Consuming blog: www.atg.wa.gov/allconsuming.aspx

Collection agency regulations: http://atg.wa.gov/ConsumerIssues/Credit/CollectionAgencies.aspx

ID AG: More Idahoans Report Losing Money in Grandparent Scam

3/7/2011

Posted on 3/7/2011 by

(Boise) - Attorney General Lawrence Wasden is urging Idahoans to be extremely cautious of telephone calls from “family members” making urgent pleas for money. Three Idaho citizens contacted the Attorney General’s Office and reported losing thousands of dollars to the grandparent scam in just the last two weeks, Wasden said.

The scam involves a phone call from a criminal posing as the victim’s grandchild. The caller says that he or she is in trouble or under arrest in another country and needs money right away. The caller then asks the grandparent to wire cash to him and asks the grandparents not to tell anyone. Sometimes another person will get on the line to back up the caller’s story. The second person usually claims to be a police officer, bail bondsman or just a helpful bystander. If the grandparent does send money, the scammers usually call again to ask for more and give various reasons for the second request for money.

A Sandpoint man received a call from a young man whom he felt confident was his grandson. The caller told him that he was with a number of other young men, and he had been arrested for speeding and put in jail in Canada. He went on to say that the police searched their car and found marijuana. The grandparent was told to call an “Officer Steely” at a Toronto, Canada number. “Officer Steely” then instructed him to send $6,100 via Western Union to Nashville, Tennessee, because bail had been let out for competitive bid and the Nashville’s bondsperson submitted the lowest bid. “Officer Steely” said that a bail bondsperson in Nashville would forward it to Canada, and the man’s grandson would be released from jail. After being asked to send additional money for a court-ordered fine, the victim became suspicious and called his grandson, who was actually at home in Oregon.

Two Rathdrum women reported losing $3,000. The grandmother was told that her grandson had been driving an uninsured rental car in Trinidad when he was sideswiped and that the rental company needed to be paid or he would go to jail. The grandmother contacted the mother and together they came up with the money. After wiring the money, the mother received a call from the imposter. She became suspicious of his unfamiliar voice and accent. She then hung up and made an effort to contact her son. Later, her real son called her back and said, “Mom, tell me you didn’t send $3,000 to Trinidad.”

A couple from Rupert was told that their granddaughter was in Spain attending a funeral with relatives, when their car was stopped on the way to the airport to fly home. The couple was told their granddaughter was arrested after the police searched the trunk of the car and found cocaine and that she needed money for a bail bond. After they sent the money, someone impersonating a marine sergeant called and said he was calling from the American Embassy. He advised them their granddaughter had lost her passport and needed money for a replacement. They sent that money as well, losing a total of $5,870. Although the callers claimed to be in Spain, the telephone company said that the number where the call originated was in Canada.

“You may think that you wouldn’t fall for these scams, but they’re designed to catch you off guard,” Attorney General Wasden said. “Con artists play on your fears to make you do things you wouldn’t normally do.”

If you receive a call like this, Wasden recommends you follow the three C’s: Calm, Contact and Confirm.

• CALM down. Being agitated or upset clouds your judgment. Take a few deep breaths and then evaluate the situation.

• CONTACT your grandchild with the information about the call. Call his or her home or cell phone. Call the parents or other family members. Don’t trust the caller. When he says, “I don’t want Mom and Dad to know,” it is just a scammer’s technique to keep you from discovering the truth.

• CONFIRM your suspicions. The people who don’t fall victim to this scam find out where their grandchild is. Usually, that is at home, work or school, and completely unaware of the scam.

Wasden said any Idaho residents who have sent money should file a report with their local police or sheriff. They may also contact the Attorney General’s Consumer Protection Division. In the Boise area, call (208) 334–2424. Elsewhere in Idaho, call the toll–free number, (800) 432–3545.

“It is very difficult to trace funds sent by wire transfer,” Wasden said, “but if information is still ‘hot’ and there is a Canada connection, my office can help people get in touch with the Phonebusters anti-fraud hotline run by the Royal Canadian Mounted Police and provincial police.”

The Phonebusters toll–free number is (888) 495–8501.

Postal Service, Postal Inspectors, BBB & MT AG Offer Fraud & ID Theft Prevention Tips at Helena Main Post Office

3/4/2011

Posted on 3/4/2011 by

Postal Service, Postal Inspectors, BBB & Montana Attorney General’s Office to offer Fraud & ID Theft Prevention Tips March 10 at Helena Main Post Office

Billings & Helena, MT - The week of March 6-12, 2011, is “National Consumer Protection Week” (NCPW). Consumer informational events nationwide will be held by government agencies and consumer protection organizations to help the public guard against identity theft, financial scams and fraud.

An event will be held at the Helena Main Post Office lobby, located at 2300 N. Harris St., from noon to 3:00 p.m. on Thursday, March 10. The public and press are invited.

Officials from USPS, the Postal Inspection Service (postal law enforcement), the Better Business Bureau and the Montana State Attorney General’s Office will be on hand. They will share consumer protection tips and resources to guard against fraudulent schemes, deceptive practices, ID theft, and scams of all types including the most popular ones going on today.

“Montanans lose many tens of thousands of dollars every year to scams and rip-offs, particularly wire fraud. Never wire money to someone you don’t know. Once it’s sent, your money is almost always gone for good,” Bullock said. “Our office tracks scams and sends out alerts to anyone who wants one. I encourage everyone to sign up. I did. It’s on our web site: www.consumerprotection.mt.gov.”

These fraudulent schemes – being pitched by scammers to victims using the internet, phone, by mail and by personal approaches – include phony foreign business offers, sudden riches, work-at-home schemes, phony money orders and fake checks, re-shipping scams; phony job, mystery shopper and investment pitches; bogus lottery and sweepstakes contests, overpayments and rental schemes.

Officials say consumers can take steps to protect themselves against becoming victims.

· Check credit card statements, bank and financial reports every month for unauthorized activity.

· Protect Social Security numbers. Don’t carry SS cards in wallets or write the number on a check.

· Be aware of any solicitation from a new, non-verifiable source that asks you to send money or personal ID information such as social security, credit card and financial account numbers.

· If someone offers you a deal that sounds too good to be true, it probably is. Check it out with your local Better Business Bureau or law enforcement agency.

· Don’t provide personal information over the phone or the Internet.

· Never click on links sent in unsolicited e-mail messages.

· Shred any financial and identifiable documents, including your mail, before you dispose of them.

· Report mail theft immediately to local law enforcement and your Post Office. (Mail theft makes up less than 2 percent of overall ID theft according to the FTC.)

· Report any suspected fraud or identity theft to local law enforcement agencies.

“In these days of smoke and mirrors aka spoofed numbers, hijacked web sites, fake checks, the best thing one can do is KNOW exactly who you are dealing with, and that they are real prior to transactions or saying yes or signing a contract. Your area businesses would much rather see you spending your hard-earned dollars with them, than losing them to scammers or unethical companies. It makes sense to do your research, and check first with reliable sources prior to doing business. Start with BBB at bbb.org The health of your local economy may rest on it,” advises Zan Deery, BBB Communications/Investigations.

More information can also be found at the NCPW Web site, www.ncpw.gov and the U.S. Postal Service/Postal Inspection Service Web site at www.deliveringtrust.com

Media Contacts:

Lisa Blomquist, 406-657-5775 or Sally Tuomi, 406-657-5772, USPS

Coleen Smith, 406-439-4369, BBB

Kevin O’Brien, 406-444-0582 or Judy Beck, 406-444-5774. Montana AG

Ask the Right Questions When Choosing a Summer Camp

3/4/2011

Posted on 3/4/2011 by
While summer camps may put out glossy brochures to convince parents that their camps are the best place for children this summer, there is more to camp than sing-alongs and campfires. The Better Business Bureau (BBB) reminds parents that they should look beyond the sales pitch if they want their children to be safe and well-supervised.

While summer camp has always helped children build social skills and self-confidence, today’s programs are diverse and can include teambuilding programs or community service involvement. When choosing a camp for their children, parents should use care and evaluate the programs that each facility offers. They should look for a camp that provides activities that are of interest to their child and appropriate for the child’s age and skill level.

Parents should be guided by their child’s interests and personality when choosing a program. There are many different types of summer camp out there; including specialty camps that meet a child’s specific interests, travel camps for the adventurous children, preschool camps for younger children, special-needs camps for children with disabilities and traditional camps with wide ranges of activities for children.

According to the American Camp Association (ACA), parents rate fun and safety as most important to the camp experience. When considering a camp for their child, parents should ask how long the camp has been in business and check with parents of past and returning students. They can check with the BBB to find out about the camp’s handling of complaints and its trustworthiness.

The BBB offers the following tips for parents:

Visit the camp before making a decision. Check its location and view the living, eating and recreational facilities. Be sure to ask about safety procedures (particularly for water activities, archery and out-of-camp trips).

Assess the quality and commitment of the staff. Find out the camp director’s background, as well as the criteria used for hiring staff. 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. What is the total cost of tuition? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation included? Is financial aid available?

Understand the safety rules. Find out what the rules are and how they are enforced. Ask about the camp’s insurance coverage. Check the condition and safety of the facilities and equipment. Note any dangerous areas, like cliffs, swamps or water zones.

Ask about the medical care. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is on site. Inquire about the procedures for transporting injured or sick children to nearby medical facilities.

Be familiar with the camp philosophy. Know what the camps goals are and how each program offered meets those goals. Are family visits or other communication with campers allowed? How is homesickness handled?

See a typical daily schedule. Note the camp hours, the variety of activities that are planned, the age range of the campers, what type of food is served, the pace of the day and any transportation that is involved.

Get references. Ask parents of repeat campers about their child’s experience and why they recommend the camp. Find out the camper return rate as well as the counselor return rate. Look for camps that are certified by the ACA – their accredited camps have met up to 300 nationally recognized standards.

For more information on an individual camp or to check a BBB Business Review on any business or charity, go to: www.bbb.org

BBB Warns Idahoans of Caller ID Spoofing from Cardholder Services

3/4/2011

Posted on 3/4/2011 by
The Better Business Bureaus that serve Idaho (Snake River Region and North Idaho) are warning local residents to Caller ID Spoofing using the name ”Cardholder Services,”which is currently targeting households throughout Idaho.

During the past week, the BBB has received several calls from Idaho residents who have reported receiving a call from Cardholder Services that contains a pre-recorded message offering services to lower interest rates on credit cards. Callers are asked to push “1” for more information, or “3” to be removed from the calling list.

Residents are reporting concerns that the phone number appearing on their caller ID for the calls from Cardholder Services appears to be a local telephone number - in fact in many cases the number is only one digit away from their own number, or is the number for a local hospital or fire department. In other cases, the number actually belongs to a friend of the person who received the call, causing them to believe that an intruder is in their friend’s home, placing the calls.

In reality, the caller is using technology to alter the information that appears on a call recipient’s Caller ID display – a practice known as caller ID Spoofing. Because phone numbers are altered, the BBB has been unable to verify who is making the calls or from where.

In addition to tricking consumers into answering their phones due to the local number appearing on caller ID displays, the BBB has found that calls claiming to offer services to lower credit card interest rates are usually ploys to obtain account information that results in ID theft. The calls are also usually in violation of the Federal Trade Commission’s Do Not Call registry, since most call recipients have registered their number on the do not call list.

One consumer reported that he selected “1” on his keypad to learn more about the offer, and the caller refused to provide any information about the company and where it is located. Most consumers reported selecting “3” from their keypad to be removed from future calls, but have found the calls continue.

The BBB offers the following information and tips to help keep you from falling victim to spoofing scams:

*Do not give any personal information to an unfamiliar company or individual, whether it’s by phone, mail or e-mail. This includes credit card numbers, credit card expiration dates, your social security number, driver’s license number, bank account numbers or any other personal information. Even if you are told it is only for “identification” or “verification” purposes, this information can be used to make unauthorized purchases.

*Do not provide sensitive information over the phone just because the caller ID says you are talking to a trusted source. Be aware that con artists can hack into caller ID systems and caller ID spoofing is not currently prohibited by law, except if the caller is violating the Do Not Call registry. Do not automatically trust a phone number based on its area code.

*In addition to the robocalls for “lower credit card rates,” be leery of “banks” or “credit card companies” requesting verification of account numbers. If your bank or credit card company has a legitimate reason to call, they will not need to request identifying information because they already have it on record.

*Register your phone numbers with the FTC’s Do Not Call Registry at 888-382-1222. Cell phone numbers can be registered along with landlines, but you need to call from the phone that is being registered. Up to three phones per household can also be registered at www.donotcall.gov.

*Arm yourself with information. If you want to check out a company or charity, have a question or concern about a merchant or marketplace transaction, or need additional information on protecting yourself from scams, contact your BBB at 208-342-4649 or 800-218-1001 or visit www.bbb.org.

WA AG: Freedom Debt Relief of CA to Refund WA Consumers

3/3/2011

Posted on 3/3/2011 by

Rob McKenna
ATTORNEY GENERAL OF WASHINGTON
1125 Washington Street SE · PO Box 40100 · Olympia WA 98504-0100

FOR IMMEDIATE RELEASE

March 3, 2011

Debt settlement company to refund Washington consumers

Attorney General’s Office argued Freedom Debt Relief’s fees were improper

SEATTLE – Thanks to the Attorney General’s Office, hundreds of cash-strapped Washington consumers who paid Freedom Debt Relief to work out a deal with their credit card providers will be feeling some relief. The California-based company agreed to pay up to nearly $800,000 in restitution to resolve allegations it violated Washington’s Consumer Protection and Debt Adjusting Acts.

“We’re paying special attention to operations that take advantage of people who, due to this tough economy, are already struggling to put food on the table and keep the lights on,” Attorney General Rob McKenna said. “Failing to inform customers that their credit may be ruined and taking illegal fees -- when those individuals are making a good-faith effort to settle their debts – are practices that we aim to stop.

Freedom Debt Relief advertises on its Web site that it has settled more than $1 billion in debt for its customers. Under its program, consumers stop making payments to their unsecured creditors and allow those accounts to go into default. Debtors then pay into a bank account they control, which is subsequently used to settle their debts. The company deducts its fees from the account. When sufficient money has accumulated in a consumer’s account, Freedom Debt Relief attempts to negotiate with creditors to settle the debts for a fraction of the balance.

About 1,100 Washington consumers who collectively owed $35 million in debt enrolled in the program since Freedom Debt Relief started operating in 2003. The Attorney General’s Office estimated that more than 570 of those consumers are eligible restitution under the state’s settlement.

“We believe hundreds of Freedom Debt Relief customers paid more fees than allowed under Washington’s law,” said Assistant Attorney General Bob Lipson. “Although the company disagrees, it will refund those fees to eligible former and current customers.”

Freedom Debt Relief stopped enrolling Washington residents in March 2009, when a private class-action lawsuit was filed against it. Attorney General Rob McKenna entered an amicus brief in that case, which is still pending in U.S. District Court in Spokane.

Today’s settlement bars Freedom Debt Relief from accepting any new clients in Washington without notifying the Attorney General’s Office, although it may continue to negotiate debt settlements for those currently enrolled in its program.

Washington’s Debt Adjusting Act caps the fee that a debt settlement company may charge at 15 percent of the total enrolled debt. The Washington Attorney General’s Office alleged Freedom Debt Relief sometimes charged consumers more than the state’s Debt Adjusting Act allows, took its fees before the time permitted by the statute and failed to adequately inform some consumers about how the program works.

Freedom Debt Relief denied the states allegations and contends that the Debt Adjusting Act doesn’t apply to its business model. However, as part of the settlement submitted today to King County Superior Court, the company agreed to the restitution program and to comply with certain restrictions on how it conducts business.

Freedom Debt Relief must refund Washington consumers for all fees paid in connection with debts that weren’t settled or aren’t in active negotiation programs -- those fees add up to $742,613 or more.

The company will also pay $70,000 to reimburse the state for the costs of the investigation and litigation.

The agreement states that the company cannot suggest that its program is for everyone who might simply wish to reduce their debt, misrepresent any statistics relating to its negotiations on behalf of consumers or withdraw or transfer any funds saved by consumers in their respective accounts. The provision doesn’t prevent the company from receiving fees as allowed by the Debt Adjusting Act from the accounts or entering into settlement negotiations with creditors.

Consumers must authorize any settlement over 50 percent of the debt and be able to quit the program at any time without a penalty.

In the event that the company enrolls new Washington consumers in its program in the future, the settlement requires a number of disclosures to those customers, including:

· That the program is only for people who are already in financial hardship and unable to make their minimum payments.

· That the program assumes consumers will allow their credit accounts to become delinquent and that missing payments will likely have an adverse impact on the consumer’s credit history. And that the decision to stop making payments rests solely with the consumer.

· That they may still accrue interest and late fees.

· That it may take six months or longer before the customer has saved up enough money to allow the company to negotiate a settlement.

· That the company will continue working toward a settlement even if a lawsuit is filed, and that a lawsuit could result in a judgment against the consumer for the full amount owed plus legal costs.

CONSUMER REFUNDS

Washington residents who enrolled in Freedom Debt Relief’s program may be eligible for a full or partial refund of paid fees. Consumers who already received refunds for all paid fees aren’t eligible for additional restitution under this settlement.

The refund program will be handled through a parallel, private class-action lawsuit on behalf of Washington consumers, which is also in the process of settlement. The case is Carlsen et al. v. Freedom Debt Relief, LLC, et al., Case No. CV-09-00055-LRS (E.D. Wash.). Once the court in that case gives approval, eligible consumers will be contacted about the refund process, how much money they are eligible to receive, and how to submit a claim.

Consumers who have questions about the refund program should contact The Scott Law Group in Spokane at 1-888-955-3966. Information is also online at www.thescottlawgroup.com/freedomdebtrelief.

DOCUMENTS

Freedom Debt Relief Complaint

Freedom Debt Relief Consent Decree

Amicus Brief

DEBT HELP

If you are struggling with credit card debt, there are steps you can take to avoid bankruptcy.

· Consult with a legitimate credit counselor who will help you develop a personalized money-management plan.

o The U.S. Department of Justice’s U.S. Trustee Program provides a list of government-approved credit counseling agencies on its Web site at http://www.justice.gov/ust/eo/bapcpa/ccde/index.htm.

o The National Foundation for Consumer Counseling provides a list of member agencies online at www.nfcc.org or call 1-800-388-2227 for a 24-hour automated message with office listings.

o Think carefully before sending money to a credit counseling or repair program that doesn’t have an office in your community. Shop around. Compare a couple of services and get a feel for how they operate. The credit counselor should spend at least 20 to 30 minutes with you in order to get a complete picture of your finances. Also, be aware that just because an organization says it is “nonprofit” doesn’t guarantee that its services are free or affordable.

· Debt consolidation programs offered by legitimate organizations can be helpful to some consumers. These programs combine your existing debts into a single loan with a lower interest rate. You deposit money each month with the credit counseling organization, which uses your deposits to pay your unsecured debts, like your credit card bills, student loans, and medical bills, according to a payment schedule the counselor develops with you and your creditors. Your creditors may agree to lower your interest rates or waive certain fees if you’re working with a reputable program, but it can still take several years to complete the program.

· Debt negotiation programs claim they can work out a deal with your creditors to lower the amount you owe. These programs can be risky and may have a negative impact on your credit report and, in turn, your ability to be approved for new credit. Additional risks exist if you are unable to save enough money to satisfy your creditors or are successfully sued and your creditors garnish your wages.

· Recent changes to the federal Telemarketing Sales Rule prohibit companies that sell debt relief services over the phone from charging a fee before they settle or reduce your debt.

· Read the Federal Trade Commission’s “Knee Deep in Debt” brochure for more helpful information at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm.

YELLOWSTONE WATCH, INC. of Cda, ID’s WEB SITE BEING USED TO PURPORT SCAM

3/1/2011

Posted on 3/1/2011 by

YELLOWSTONE WATCH, INC. of Cda, ID’s WEB SITE BEING USED TO PURPORT SCAM

Random Work-from-Home Opportunity SPAM Emails Falsely State Company sponsors them

Subject: Banda 407 Men's Braided Oiled Leather Watch Band

On March 1, 2011, it was brought to BBB’s attention that this accredited business is a victim of scammers misusing its company’s web site. The scammers are falsely stating in random emails regarding a work-at-home scam, that this company sponsors the email advertisements.

This company is in no way affiliated with this random email work-at-home opportunity scam.

Sadly, this email scam is also using another accredited business profile out of CA, www.Plimus.com, to purport this scam, lifting official company web pages and creating a sense that the pages are real, when they are actually fake floating and lifted pages. ADVICE: Do not fill out any pages via this email or any other emails like them.

BBB ADVICE

If you feel you have been victimized by this scam, we strongly urge you to not contact the company directly, but to be pro-active and file formal complaints with the Federal Trade Commission at: www.ftc.gov as well as with the FBI at: www.ic3.gov

Here is a sample of the email being used to purport this scam:

----- Original Message -----
From: <Make-200USD-Per-Survey@aol.com>
To: <>
Sent: Tuesday, February 22, 2011
Subject: Banda 407 Men's Braided Oiled Leather Watch Band

Name: Make-200USD-Per-Survey@aol.com
Email: Make-200USD-Per-Survey@aol.com

Hello Friend,

ATTENTION: Start earning money today for sharing your opinion.

Earn $10 to $40 for each survey you take!

With Just 60 Minutes Of Work Per Day I Can Guarantee That You
Will Make At Least $225. This Is A Certified, Proven And
Guaranteed Way To Make $225 Every Day... The Easy Way...
From Home!

How would you like to make $10 - $40 every single day just for
clicking your mouse?

(LINK HERE REMOVED FOR SAFETY)

This is a work at home position. which requires no prior experience,
education or special skills. and by following the three easy steps
can make you money beginning today...It works worldwide, in every country!

I will give you access to surveys that only take 15 minutes to
complete and you will make an average $10 - $40 per survey.

Click Here To Get Your First Survey!

(LINK HERE REMOVED FOR SAFETY)

Best Regards,

Michelle
(LINK HERE REMOVED FOR SAFETY)

If you want to be remove in our list globally please email here at: cashdirect7@gmail.com

This email ads was sponsored by:

http://watchbandhq.com

(BBB NOTE: Above ad statement is false…)

Scammers Masquerade as Government Agency: Citizens Aid Government Agency of FL

3/1/2011

Posted on 3/1/2011 by

Scammers Masquerade as Government Agency: Citizens Aid Government Agency of FL

March 1, 2011-Jacksonville, Fl.---BBB serving Northeast Florida and the Southeast Atlantic is warning consumers on what appears to be a fake government grant scam. Citizens Aid Government Agency lists their location as Gainesville, Fl. Their website can be found at www.citizensaid.org. They claim to be affiliated with the United State Department of Treasury and further claim to be able to provide government grants to pay off credit card and other debts that a consumer might have.

According to complaints received by BBB, the consumer is asked to complete an application that provides Citizens Aid a vast amount of personal information including account numbers, social security numbers, mother’s maiden name, etc. The consumer faxes or emails the application, which is then supposedly submitted to the Department of the Treasury for approval.

An answer from the government is promised in 24 to 48 hours.

The consumer is required to pay a fee of 13.8% of the total amount of the grant they are awarded. We currently have 4 complaints that have been filed in the last two weeks. The complaints allege that after completing the application, their grants were approved and checks or drafts were issued to the creditors listed on the application. After verifying that the checks or drafts had been received by the creditor, the consumers are required to pay the fee within two days.

Shortly after paying the fee, the victims learn that the checks/drafts issued to the creditors are either reversed or returned due to insufficient funds. At that point the victim has paid the fee and received nothing for their money.

BBB has sent the complaints to the address given the consumers but expect them to be returned as the post office advises that the address in non-deliverable.

Other information that leads us to belief this organization is fraudulent include the following:

· Website claims organization has partnered with the Department of Treasury for 22 years but the website was just registered in December of 2010.

· Address given to the website registrar is non-deliverable as are all addresses that the organization has listed in various documents.

· Telephone number given to the website registrar has an area code that does not match the office address given and appears to be a made up number (954-954-9549).

· The fax number given to the website registrar has an area code placing the location in the Seattle, WA area, a long way from Gainesville, Fl.

· A turnaround time of 24 to 48 hours for government approval of a grant is quite a bit shorter than one would normally expect when dealing with a Federal agency.

· The content of the website is replete with errors and mismatched information regarding the Department of the Treasury and the U. S. Banking system.

· There is no mention of this organization or the programs it claims to offer on the website of the Treasury Department.

· There is no record of this company with the Florida Secretary of State either as an incorporated entity or a fictitious name filing.

BBB NOTE

If you have been victimized by this group, we strongly urge you to be pro-active and file formal complaints regarding the activities at BBB: www.bbb.org as well as your state Department of Financial Institutions and/or your state Attorney General’s Office.

FREE SPOKANE AND SURROUNDS SHRED DAY Celebrating NCPW

3/1/2011

Posted on 3/1/2011 by

FREE SPOKANE AND SURROUNDS SHRED DAY

Friday, March 11, 2011

Celebrating National Consumer Protection Week

SPOKANE, WA The US Postal Inspection Service is partnering with United Data Security to provide free document shredding! Identity theft prevention experts will be on site to answer any questions you may have on how to protect your information. We want to encourage everyone to participate in this free service to shred all your disposable and important identifiable correspondence as another way to help prevent becoming a possible victim of identity theft and fraud.

PUBLIC WELCOME

When: Friday, March 11, 7-11am

Where: Metro Post Office Parking Lot, 5511 E Alki

(Heading north on Fancher from Sprague, 1^st left on Alki, go to end of street. Metro Station will be just around the right curve on your left.)

On Site Contributors Include:

Spokane C.O.P.S

Association of Certified Fraud Examiners

Washington State Attorney General’s Office

Better Business Bureau

US Postal Service Inspection Service

United Data Security

FOR MORE DETAILS ABOUT THIS YEAR’S NCPW, go to:

http://www.ncpw.gov/

An independent federal agency, the U.S. Postal Service is the only delivery service that visits every address in the nation, 146 million homes and businesses. It has 37,000 retail locations and relies on the sale of postage, products and services to pay for operating expenses, not tax dollars. The Postal Service has annual revenues of $75 billion and delivers nearly half the world’s mail.

BBB Shares VA Warning: Veterans Affairs Services of La Mirada, CA

3/1/2011

Posted on 3/1/2011 by

BBB SHARES EDUCATIONAL WARNING from ABOUT THIRD-PARTY VA GROUP,

Veterans Affairs Services of CA

Issued February 22, 2011—VA Central Office

Source: NGB Weekly Threat Update/Force Protection Advisory

The following is an advisory sent out by the National Guard Bureau (NGB) in reference to a group called “Veterans Affairs Services”

An organization called Veterans Affairs Services (VAS) is providing benefit and general information on VA and gathering personal information on veterans. This organization is not affiliated with VA in any way.

Websites with the name "VA services" immediately after the "www" ARE NOT part of the Department of Veterans Affairs; the real VA website ends in.gov. If approached or called, do not offer them any information concerning yourself or data on other veterans.

The Department of Veterans Affairs does not randomly call veterans, nor does it ask veterans for information which it does not already have. If you have not dealt with the VA previously and in person, then you receive a call from someone saying they are with the VA or something similar sounding, hang up the phone. Do not respond to emails which suggest that they are from the VA. The VA never conducts official business nor asks for personal information by email.

VAS may be gaining access to military personnel through their close resemblance to the VA name and seal. NGB Legal Counsel has requested that the NGB Provost Marshal Office coordinate with DoD to inform military installations, particularly mobilization sites, of this group and their lack of affiliation or endorsement by VA to provide any services.

BBB NOTE:

If you have an unresolved issue concerning this group, we urge you to be pro-active and file a formal complaint for resolve at: www.bbb.org

Javelin Strategy Research Reports 28% Decrease in ID Theft Reports for 2010

2/24/2011

Posted on 2/24/2011 by

Identity Fraud Fell 28 Percent in 2010

According to New Javelin Strategy & Research Report

“Friendly Fraud” and Consumer Costs on the Rise;

Non-Credit Card and New Account Fraud Also Increased

Findings Underscore Need for Continued Vigilance

SAN FRANCISCO, February 8, 2011 – The 2011 Identity Fraud Survey Report, released today by Javelin Strategy & Research www.javelinstrategy.com reports that in 2010 the number of identity fraud victims decreased by 28 percent to 8.1 million adults in the United States, three million fewer victims than the prior year. Total annual fraud decreased from $56 billion to $37 billion, the smallest amount in the eight years of the study. While overall fraud declined, consumer out-of-pocket costs rose significantly, mainly due to the types of fraud that were successfully perpetrated and an increase in “friendly fraud.”

FULL REPORT HERE:

http://idsafety.net/2011IDFraudReportRelease.pdf

5 Tips to Avoid Hackers and Computer Viruses

2/23/2011

Posted on 2/23/2011 by

GREAT tips from the San Diego BBB! Thx!

Knowing how to use the Internet in the 21^st century can only be equivocated to having a super power. You can do things that people 30 years ago thought only The Jetsons would be able to accomplish: send letters without needing postage, turn your car on from your phone, operate traffic lights and fire, police and ambulance notification systems. The world is your oyster. However, like any super power, if all of this control is placed in the wrong hands, personal and public safety is called into question.

I try to use the Internet with caution, and I struggle to understand why anyone would hack into your computer or spread a virus. But, just last week, I was the victim of a Viagrus (an email virus touting Viagra). True, this email spammer does no actual damage to my computer, but there is sustained damage to my dignity.

Within moments of opening the Viagrus, it was sent to all of the friends and family in my contacts list. My dad, brother and husband didn’t miss a beat: Was I trying to send them a not so subtle signal? No, dad, I’m not angling for another sibling. No, it’s not a hint. The jokes flooded in, and, in a few days, I was rid of the Viagrus and a little wiser, too.

Even though, my situation could be resolved by a few uncomfortable jokes between father and daughter, brother and sister, it got me thinking: With so many hackers and viruses floating around the Internet, the need for understanding what viruses are and how they affect your virtual world is more important today than ever. Unfortunately, computer safety is rarely taken as seriously as it should. So listen up. Keeping your information safe is easy, just follow these steps.

Hacking

To understand what hacking is, think of it as virtual breaking and entering. A masked villain is infiltrating your computer to steal what is rightfully yours: your virtual property. Once hackers break in, they can alter important information, delete key files, and even crash an entire network of computers.

Most often, computer hackers break into large consumer websites. The goal: to steal bank account and credit card information. Consider these tips for your Internet security:

· Use a firewall. Even though hackers usually affect large company websites, that does not mean that home networks are completely safe. With a firewall in place, you can control your security, and filter what information from the internet is safe and what is not.

· Use caution when giving out personal information on the internet. We hear it all the time, but do we really listen? Use software to keep information safe, and only give out your information if you trust the company. Check the BBB Business Review before buying from a company of which you have no direct knowledge.

· Ignore your preconceived notions. Kids hack too. It’s hard to imagine a teenager that has the power and knowledge to bring a network of computers to their knees, but it’s been done. According to Martha Stansell-Gamm, Head of the Justice Department’s Computer Crime and Intellectual Property Section, an 18 year old “instructed 7,000 computers to attack Microsoft networks.” Teach your children safe computer practices, just as you would teach them that robbing a bank or driving drunk is wrong. Just because it’s virtual doesn’t mean the consequences are virtual too.

Viruses

Viruses are similar to hacking in that they exist to impair or destroy the infrastructure of your computer. However, much as its name would signify, a virus is like a common cold. It is easily passed from computer to computer through the Internet with nothing more that the click of a button or the opening of an email. Once it reaches as far as it can, the virus takes over the hosting computer.

Unfortunately, for its victims, viruses infect your computer often before you even know what you did wrong.

· Don’t open emails that are suspicious. It’s relatively common knowledge that you shouldn’t open an email that touts “FREE FREE FREE” or “VIAGRA CHEAP” in the subject line, but the landscape of email viruses has changed in the last few years. Now, viruses can appear as if they are coming from someone in your contacts. Make sure to monitor subject lines, even if you know the sender, and if you are the victim of an email virus, immediately warn your contacts because they are the next target. After that, change your password often over the next few weeks.

· Back up your information. Viruses can affect just your email, but, too often, they spread throughout your entire computer. While buying a new computer can be painful, losing pictures, documents and music can hurt even more. Once a month, once a week, even once a day, take the time to back up information that you can’t live without.

In summation, use your powers for good, but remember that the Internet houses many-a-Lex Luthor just waiting in the shadows for the opportunity to wreak havoc on your virtual life.

BBB Accredited Business Advice: How to Hire a Cleaning Company

2/23/2011

Posted on 2/23/2011 by
Let's face it, not everyone is cut out for cleaning, and as a busy professional you tend to have better things to do with your time. Between all the pressing demands of both your work and personal life, who has time to clean the bathroom, or scrub out a fridge?

That's usually the point where you decide to hire a maid service to do your cleaning for you. However, it's not always easy to find a good, reliable cleaning agency to take care of your home and office cleaning needs, and choosing the right company makes all the difference. There are hundreds of cleaning companies, and finding the right one can be quite a challenge if you don't know what to look for.

We've put together a list of some of the major factors to consider, in order to help you avoid any pitfalls and find the perfect cleaning company.

1. Reviews matter.
Most reputable cleaning agencies will be listed on numerous review websites like bbb.org or kudzu.com. Reading reviews written about a business can also let you know what to expect, and give you great ideas for questions you can ask the business to help you better understand your options and what would work best for you.

2. Experience matters.
As is true in any other industry, experience matters, and getting experienced cleaners can make all the difference in the world. An experienced cleaner will know what products to use for each different surface, which will yield the best results. They will also know what NOT to use in your home (or office), and can avoid making costly and expensive mistakes that will cause you major headaches down the road. An experienced cleaner will also know the most efficient way to clean, and will have a method which will allow them to get the job done much more quickly, saving you both time and money.

Be sure to ask lots of questions when you call for a quote. An experienced cleaning agency will be able to easily answer any of your questions, and demonstrate that they know their stuff and can meet your needs.

3. Size matters.
It's also important that you hire a cleaning agency with enough cleaners. If a company has too few cleaners, it can mean long delays as they struggle to fit your job into their schedule. A company with more cleaners will be better able to schedule a job when it works for you, as well as help accommodate you if you need to make any last-minute changes. By having more cleaners available, they will have the resources to better meet your needs in the case of any unforeseen circumstances.

4. Price matters.
Once you have found a cleaning agency that looks like a good fit for you, look online to see if they have any coupons available. Most cleaning agencies will have a newcomer's discount, which will save you some money on your first cleaning (and who doesn't like saving money?). Also, ask about repeat-cleaning rates if you're interested in regular service. Most companies will offer you a discounted rate if you setup regular service with them, as your home will be easier to clean if it receives regular maintenance.

5. Trust matters.
Make sure your cleaning company conducts background checks on all of their workers. Knowing that your housekeeper has been carefully screened will give you peace of mind, and you will be much more comfortable letting them into your home or office. Also, we may be preaching to the choir here, but making sure a company is Accredited and has a great track record with the BBB is important. BBB Accreditation shows that the business is fully customer-centric and committed to your satisfaction.

Article courtesy of Jeremy Yamaguchi of Golden Shine Cleaning Agency of San Diego, CA. To learn more about Golden Shine Cleaning agency, view their Business Review or website.

Traveling Abroad? Watch for these Scams

2/23/2011

Posted on 2/23/2011 by

Many people are planning trips abroad. If you are thinking about doing the same, read the following tips. You will be amazed at the ingenuity involved in some of the scams. Notice how the con artists try to catch you off-guard.

Family member call scam. You receive a call in your hotel room prompting you to call a specific number to get details about a family member in distress. Unknowingly, you call the Caribbean or Africa. Subsequently, your phone bill will reflect a charge of possibly hundreds of dollars.
Diverting your attention scams. The thieves could spill ice cream on your shoes and/or squirt mustard, ketchup or water on you. They “help” you clean up and at the same time another thief will snatch your handbag, wallet or suitcase. They may also bump you and at the same time pick your pocket. Keep your wallet close to you and hang onto your purse.
Police uniform con. Crooks in police uniforms approach you and show a phony badge. Next, they request to see your wallet for identification or to check the wallet for counterfeit money. If you hand over your wallet, it is gone forever!
Fellow traveling victim. This “victim” approaches you and says he has just been robbed and needs money to eat, travel and get another passport. Don’t be pulled in and give the con artist money.
“Your tire is flat” scam. The vehicle pulls alongside you and points at your tire. Resist the temptation to pull over until you are in a safe place. Otherwise, you may be robbed. The criminals could jump out with guns and take your valuables.
Credit card rip offs. They happen abroad just like in the United States. Refrain from using your debit card abroad. Remember that the federal law says you can only be held liable for $50 of fraudulent charges on your credit card. The same is not true for a debit card. Your liability could be up to $500; plus it could take up to 10 days or more for the bank to refund the remaining amount of your money.

For more detailed information about travel scams in foreign countries, read the article Travel Scams at http://www.travel-security-and-safety.com/travel-scams.html. It could save you some “coins.”

ID Attorney General: Mortgage issues Dominate 2010 Consumer Complaint List

2/22/2011

Posted on 2/22/2011 by

(Boise) - The national foreclosure crisis, which hit Idaho especially hard, was the dominant consumer protection issue in 2010, Attorney General Lawrence Wasden said today. Wasden released his annual report on consumer protection activity during a news conference this morning.

The Attorney General said complaints about loans topped the consumer complaint list for the year. “We received 261 complaints in this category, compared to 109 the previous year, when it ranked 4th on the top ten list,” Attorney General Wasden said. “To assist Idaho consumers who are dealing with mortgages and foreclosures, my office pursued several enforcement actions against deceptive loan modification companies, hired a housing counselor to assist Idaho homeowners, and implemented a public education program related to foreclosures, mortgage modifications, and purchasing a home. Last week, we delivered to the legislature a comprehensive report on the impacts of the housing crisis within Idaho and steps that stakeholders may wish to consider for prevention of future problems.”

Wasden noted that the number of complaints about mortgage modification companies dropped by nearly 90%. “In 2008, mortgage modifications were not on the radar screen,” Wasden said. “In 2009, they were the number one complaint category, with more than 350 complaints filed. Last year, we received only 38 complaints, and mortgage modifications dropped to number 6 on the list. I believe that the significant decline in complaints is a result of our aggressive action to enforce Idaho law against the deceptive practices that were rampant in the loan modification industry.”

Other significant consumer protection activity included litigation and settlements with pharmaceutical manufacturers concerning the marketing and pricing of their drugs. The Attorney General entered into three settlements last year, resulting in recovery of nearly $5 million. Since 2005, the Attorney General has resolved eight “average wholesale price” cases with drug manufacturers, resulting in approximately $9.4 million recovered for Idaho taxpayers. Three cases, naming 21 other drug manufacturers, are still pending. The Attorney General alleges that the defendants in those cases falsely reported the “average wholesale price” of prescription drugs, resulting in excessive costs to Idaho Medicaid and Idaho taxpayers.

In 2010, the Attorney General recovered $5,920,578 in restitution, the second largest amount ever recovered by the Attorney General’s Office. This equates to $10.18 for each taxpayer dollar appropriated for consumer operations. For the past 20 years, Idaho’s Attorneys General have recovered more money for Idaho residents and businesses than the Legislature has appropriated from the General Fund for consumer protection operations. The Attorney General also recovered $536,237 in civil penalties, fees and costs.

In addition, the state received $25,989,570 in 2010 pursuant to the tobacco Master Settlement Agreement (MSA) negotiated between the Office of the Attorney General and tobacco manufacturers in 1998. To date, the state has received $280,569,373 under the MSA.

The Attorney General’s Consumer Protection Division logged 13,734 instances of consumer assistance in 2010. Of those consumer contacts, 1,312 contacts were consumer complaints. In 2010, Idaho consumers reported losses of $2,715,621. The remaining 12,422 consumer contacts consisted of receiving information from consumers, responding to consumers’ requests for information and forms, and answering consumer inquiries about particular businesses.

The Attorney General transferred $6,084,700 in unspent consumer protection account funds to the General Fund during fiscal year 2010. The Attorney General has transferred $14,539,129 to the General Fund from the consumer protection account since fiscal year 2000.

The Attorney General’s annual consumer protection reports for 2010 and previous years are available at www.ag.idaho.gov.

Top 10 List of Situations Where You're Probably Being Scammed - by phone, mail or e-mail

2/22/2011

Posted on 2/22/2011 by

Top 10 List of Situations Where You're Probably Being Scammed - by phone, mail or e-mail

In the Spirit of David Letterman’s Top 10, Reporter, Ben Finley Tells Us How

In the wake of the revelation of yet another advance fee loan scam supposedly operating from our service area, Montana Mutual, your regional BBB was interviewed by Ben Finley of the Bucks County Courier.

Why an out of area paper? This paper covers the service area of a consumer who was targeted by scammers posing as Montana Mutual in an attempt to get him to part with his hard-earned money.

The full Courier article from February 19, 2011, is here:

http://www.phillyburbs.com/news/news_details/article/28/2011/february/19/man-doesnt-fall-for-scammers-trap-1.html

We thought it clever of Ben, the reporter, to have taken an old scam and refresh it by adding a “Top Ten Scams,” list at the end of his piece which reflects situations where you probably are being scammed, like David Letterman does regularly in his show.

We wanted to share this list, because these are really GOOD tips on what to watch for, not to mention that it adds a little humor to an already very serious subject matter:

Top 10 scams

By Ben Finley, Reporter, Bucks County Courier (posted February 19, 2011)

If David Letterman put together a Top 10 list of situations in which you're probably being scammed - by phone, mail or e-mail - it might look like this:

10. "You've won the lottery in Mexico. Just pay a fee to get your winnings!"

9. "Let me tell you about this awesome time share in Florida."

8. "Hi grandma, it's me. I've gotten into a bit of a jam and need some bail money."

7. "Hello, this is your bank. There's a problem, and we need to confirm your bank account number."

6. You've been asked to buy something online without using Paypal or to send a check to a post office box.

5. "Dear kind sir/madam, please deposit this $3,000 check and mail $2,000 back to me."

4. "Going to college? We'll get you the scholarships you need. Just pay a fee."

3. "Dear sir/madam, please help me transfer my money from this foreign bank account to yours."

2. You meet someone on an online dating site. He or she lives very far away - and needs money.

1. If you are asked to wire, mail or send money via the Internet to an unknown person or company.

CONTRACTOR SUPPORT MANAGEMENT of CA Not Giving Supportive Services

2/18/2011

Posted on 2/18/2011 by

CONTRACTOR SUPPORT MANAGEMENT of CA Not Responsive and Low on the Support

Has F Rating with BBB

Contractor Support Management
8721 Santa Monica Blvd. #1000
West Hollywood, CA 90069
Phone: (866) 796-1431
http://www.contractorsupportonline.com/
Contact: Joel Becker - Customer Service

This company is showing up in calls to BBB as a result of them advertising on Craigslist in our service area: North Idaho (Sagle) and Yakima, for example. These are two places where people have become victims of the deceptive advertising this group is conducting via area Craigslists.

This company offers a Contractor's registry, claiming to offer a free service to contractors and handymen providing job leads. According to the company, work related to the offer will be for performing repairs and renovations for bank owned properties as well as commercial and residential projects. Although the lead services are advertised as free, the company charges a one-time $99 fee to cover administrative costs, profile set up, and background checks. The company claims that work leads are provided according to the availability, location and skills of the contractor, with no monthly fees or membership costs.

We urge caution. Our customer experience record for this company shows once respondents pay the initial $99 fee, they are either unable to contact the company, receive no further communication from the company, or report that leads sent are fictitious, and addresses provided are vacant lots or abandoned buildings.

ADVICE
The BBB suggests that clients read the contract terms carefully and make certain that the promised deliverables by the company are as represented. Make certain that delivery dates, number of leads, and quality of leads are described with particularity. If the company offers a guarantee, find out how the guarantee works. Find out if replacements are offered or if refunds are an option. Be wary of Craigslist ads offering great promises. Make certain you are doing your research before going with a group like this. Make sure they are a legitimate company offering legitimate services or products. Start with BBB at: www.bbb.org

Be wary of groups you know nothing about that require personal information, such as background checks, in order to forward leads.

If you have an unresolved issue concerning this group, we urge you to be pro-active and file formal complaints with BBB at www.bbb.org the FTC at www.ftc.gov and the WA AG.

Depending on how much personal info compromised, also file a police report with your local law enforcement agency to get a paper trail started.

Contractor Support Management BBB Business Review

http://www.la.bbb.org/businessreport.aspx?companyid=100078676

International Winner's Circle: Cross-Border Lottery Scam Targeting Local Seniors

2/16/2011

Posted on 2/16/2011 by

February 16, 2011

INTERNATIONAL WINNER'S CIRCLE, Latest Lottery Scam

Educate Elders about Cross Border Lottery Scams

Another elderly Spokane Valley resident has fallen victim to a form of the Canadian Lottery Scam, and this 73-year-old victim lost more than $8,200 before realizing he had been had.

The victim told Crime Check he had received a phone call from International Winner’s Circle and was advised he had won a quarter-million-dollar sweepstakes. But - and it’s a big “but” - he had to send them money to cover various fees in order to receive his winnings.

Between January 28^th and February 7^th, the victim mailed the company five separate money orders. After receiving the $8,250, a company representative called again and said they needed another $1,500. At this point, the man realized he had been defrauded.

He reported the matter to Crime Check, but his money is gone. The final phone call came from a woman who said she was a sister company to International Winner’s Circle and was located in Philadelphia.

This scam generally targets the elderly, although unwary younger victims have contacted police as well. The scam usually involves the victim receiving a phone call or e-mail advising that they have won some tremendous amount of cash in a lottery.

There is always a fee required to cover moving the cash across a border, or for shipment of such a large amount of money. Victims never report that they didn’t recall actually entering a sweepstakes.

Families can reduce the risk of an elderly parent or grandparent falling victim to this type of scam by discussing it with them beforehand. Having a designated family member monitor expenditures can be helpful as well.

Scams of this nature rarely are successfully investigated by law enforcement due to jurisdictional limitations. Education is the best method to prevent them from occurring.

BBB ADVICE
If you ever have doubts about a call you may receive, don't hesitate to contact BBB PRIOR to giving any info away, or wiring any funds, etc.

MT Labor and Industries Warns Small Businesses of Deceptive Selling Practices re: Labor Posters

2/16/2011

Posted on 2/16/2011 by

Montana Department of Labor and Industries

FOR IMMEDIATE RELEASE: 2/16/2011

Montana’s Small Businesses Targeted by Aggressive Labor Poster Companies

(February 16, 2011, Helena, MT) The MT Department of Labor and Industry is hearing from small businesses who are tired of the aggressive marketing tactics of some companies who sell labor law posters.

“We are getting reports from Montana businesses that some of these companies are sending posters and demanding payment, despite the fact that the business didn’t order them. These companies are even suggesting that by not purchasing the poster the business is breaking the law”, said Labor Commissioner Keith Kelly. “We want to remind businesses if you get something in the mail you didn’t order, you are not obligated in any way to pay for it. You can write did not order, return to sender on the envelope and send it back to the company.”

The Five in One posters, which are available at no cost from the Department’s Job Service Division, encompass Equal Employment Opportunity, Family and Medical Leave Act with Military Family Leave (employers with 50 or more employees), Federal Minimum Wage (Fair Labor Standards Act), and the Polygraph Protection Act. Federal regulations also require posting the Uniformed Services Employment and Reemployment Rights Act (USERRA). All posters are available at the Job Service offices.

Businesses that have returned the posters and are still getting invoices from the poster company can contact the Better Business Bureau at 1-800-356-1007 or file a complaint online at www.bbb.org.

BBB Warns Online T-shirt Retailer Does Not Deliver

2/16/2011

Posted on 2/16/2011 by

BBB Warns Online T-shirt Retailer Does Not Deliver

Complaints Allege that T-Shirts Paid for Never Arrive

Austin, TX - February 16, 2011 – Complaints continue to pile up against online t-shirt company, Ray's Garage, Inc. regarding consumers paying for customized t-shirts but never receiving them. BBB has notified the company of ten complaints filed against them in the past 2 months, but the company has failed to respond.

While the company’s website is registered to an Austin-based location, the complaints filed against the company are generated from consumers nationwide. The complaints allege that the t-shirts ordered have never been received following the online payment. In addition, several consumers also report that they are unable to get a response from the business regarding the status of their delivery.

BBB advises that Ray's Garage, Inc., the t-shirt retailer, is not related to or affiliated with Ray's Garage, an automobile repair and service company also located in Austin, TX. The automobile repair shop, Ray's Garage, does not sell t-shirts online.

Click here for the current BBB Business Review on Ray’s Garage, Inc. which reports BBB has issued the company an F rating for failure to respond to consumer complaints.

BBB advises consumers to consider the following advice before purchasing a product online:

- Do Your Research: Shoppers should always review an online retailer on bbb.org to check on the seller’s reputation and record for customer satisfaction.

- Pay with a Credit Card: It is best to use a credit card when shopping online, because under federal law the shopper can dispute the charges if he or she doesn’t receive the item.

- Keep Documentation of Your Order: After completing the online order process, a shopper will be provided with confirmation. BBB recommends printing a copy of the confirmation and any indication of the expected delivery timeframe for future reference.

- 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.

CUTTING EDGE RESEARCH: Mystery Shopping Scam Uses the Good Name of BBB Accredited Business, Advantage IQ of Spokane, WA

2/15/2011

Posted on 2/15/2011 by

CUTTING EDGE RESEARCH: Mystery Shopping Scam Uses the Good Name of BBB Accredited Business, Advantage IQ of Spokane, WA

AB in no way affiliated with this Scam

On February 15, 2011 the BBB received information that a company called Cutting Edge Research falsely claims to be a subsidiary of Advantage IQ of Spokane, and is pitching a Mystery Shopper Training scam offer to consumers.

Scammers posing as Cutting Edge Research are sending potential victims fraudulent checks for approximately $3,900, asking them to deposit the check, go shopping with some of the funds, and then wire the balance of funds to Canada.

This scam is in no way associated with this business, as they are also the victim by having their name misused to purport this scam.

BBB ADVICE

If you ever accept a check from an unknown and are asked to “play bank” with funds, take this as a red flag and end your dealings with the group. If the word “wire” ever comes into the conversation, take that, too, as a red flag. If you cash a fake check, you are 100% liable for whatever funds you spend and/or wire.

If you have fallen victim to this scam, we urge you to be pro-active and file a police report as well as take measures to further secure your personal information by contacting the places associated with what info you have compromised. Additionally, file a formal complaint with the Federal Trade Commission at: www.ftc.gov

Discount Clubs Debited Bank Accounts of Payday Loan Applicants

2/15/2011

Posted on 2/15/2011 by
Thanks to St. Louis BBB for this warning!

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.

The BBB in Phoenix reports that Liberty Discount Club failed to respond to more than 500 of the complaints.

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 who identified herself to BBB St. Louis 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 Reliability Reports on businesses by going to www.bbb.org

BBB Weekly Tips You Can Trust for the Week May 11, 2009

2/14/2011

Posted on 2/14/2011 by

Compiled by Zan Deery, Communications/Investigations

5/11/09

zan@spokane.bbb.org
800-356-1007 or 509-455-4200

www.bbb.org

Readers of these tips should take into consideration the importance of the practice in question and the total performance of a company.

For complete information and BBB reports, please visit
www.bbb.org

TIP NUMBER ONE

MT FARMERS/RANCHERS, CROP HANDLERS & OWNERS:

Telemarketers Selling Crop Chemicals a Sign of Spring

Thanks to the Montana Dept. of Agriculture for this Warning

HELENA, Mont. -- Planting season is a busy time of year in Montana. It is also the time frequently chosen for telemarketing scams involving pesticides that are unregistered, over-priced or poorly suited to agricultural uses.

These "cure-all" scams often involve ordinary lawn products sold to unknowing customers for use in agriculture or forest settings, says Ron de Yong, director of the Montana Department of Agriculture.

Each year, the department receives complaints of questionable chemical sales by vendors using dishonest business tactics. Making false claims about a pesticide is a violation of the Federal Insecticide, Fungicide and Rodenticide Act and the Montana Pesticide Act. While this may be both a civil and criminal violation, it is hard to stop the telemarketers from selling these over-priced chemicals without the help of Montana consumers.

The department recommends that producers ask these questions before agreeing to purchase anything:

-- Is the product registered for use in the State of Montana? Registered products can be searched at the department's website: http://services.agr.mt.gov/Pesticide_Registrations/.

-- What is the seller's Montana pesticide dealer license number?

-- What is the product's U.S. Environmental Protection Agency (EPA) registration number? Printed labels and material safety data sheets should be available for inspection. Using the number, individuals can review the label on an EPA website at: http://oaspub.epa.gov/pestlabl/ppls.home

-- What is the name and percentage of the active ingredients in the product? How does this compare with other products registered for the same use?

-- What is the sales company's name, address and telephone number?

Your safest option is to buy crop protection chemicals and services from reputable Montana dealers or companies who are qualified and licensed to do business in Montana, de Yong says. As the old saying goes, "If it sounds too good to be true, it probably is."

Producers who want more information about pesticide dealer and applicator licensing in Montana, or who would like to report a questionable sales call are urged to contact Leonard Berry at the Montana Department of Agriculture at (406) 444-5400 or by e-mail at agr@mt.gov.

If you would like to file a formal complaint regarding any questionable company and its pitch or services, do so with the BBB at: www.bbb.org

TIP NUMBER TWO

Better Business Guide, Inc. of KY Pitches Leave Businesses Thinking They are Dealing with BBB: Company Has F Rating

Better Business Guide, Inc.
7312 Dixie Highway
Florence, KY 41042
Email: betterbusinessguideinc.@yahoo.com

(866)-726-9733 FAX (866) 726-9732 or (859) 647-0748

It has been brought to BBB’s attention that this company is soliciting BBB accredited businesses to advertise in a vinyl telephone book cover offer. The ads run between $199.50 to $229.50.

BBB is receiving calls from accredited businesses stating that the calls they are receiving from this company are misleading and contain high pressure pitches. One business stated that it received more than one call from the company in a day despite telling the company in the first call that it was not interested in the offer.

BBB ADVICE

If you ever receive a call from a company name that sounds like Better Business Bureau (or you think it is BBB but are not sure), feel free to gather info, and contact your official BBB to confirm or verify the validity of the solicitation.

Check FIRST! Look up reports on companies at: www.bbb.org prior to saying yes.

When considering purchasing advertising on phone book covers make sure you have are fully aware of the services you are purchasing. Make sure you fully understand the distribution channels, whether it is your responsibility, or if they have their own distribution system in place.

Other considerations should include where the company is located, and its ability to market and distribute nationally and whether there are additional services being offered in addition to the phonebook covers.

Often times, these companies offer additional means of advertising including television and radio spots at no additional cost, however the primary form of advertising you are purchasing is the ad copy on the phone book cover.

TIP NUMBER THREE

LATEST PHISHING SCAM USING WELLS FARGO NAME
Subject: Online Access Suspension Message

If you have received this email in your INBOX, don’t believe it, don’t click on any hyperlinks, don’t give any personal info, delete it and forget about it. If you have any banking questions regarding your account, contact your bank directly for the info, and don’t go by a random SPAM email like this one:

-----Original Message-----

From: Wells Fargo Online [mailto:customercenter@wellsfargo-secure.com]

Sent: Tuesday, May 12, 2009 5:46 AM

Subject: Online Access Suspension Message

For your security, access to Online Banking has been locked because the number of attempts to sign on exceeded the number allowed. To regain access, you have to restore your online access. Please go to the server below and fill up all the informations:

(Hyperlink here deleted by BBB for safety XXXXXXXXXX)

Note: If this message is in Bulk/Spam is because of your Mail Settings, please select the confirmation message and click "Not Spam."

Because email is not a secure form of communication, this email box is not equipped to handle replies.

If you have any questions about your accounts or need assistance, please call the phone number on your statement or go to Customer Service.

TIP NUMBER FOUR

Ecommerce, Inc. of OH’s Good Name Being Misused in Phony Ecommerce Job Offer

Thanks to BBB Nashville for this Warning

BBB alerts job seekers of a phony employment offer that appears to be from a legitimate business - Ecommerce, Inc., headquartered in Columbus, OH with customer service offices located in Hopkinsville, KY.

Ecommerce, Inc., a BBB Accredited Business, notified BBB that they have been inundated with calls over the past week from consumers who received an email with the subject line "Detailed information about open vacancy at Ecommerce Inc." The swindler's email contains mirrored information copied from Ecommerce's website that contains data about the company.

The offer goes on to state a customer service manager position is available to assist their users in making transactions on exchange, input and output funds in miscellaneous currencies, and that no experience is necessary as the training course offered will be done distantly. The offer claims you will study from your own home, university or any computer with Internet access and that after "successful completing the course you will get a one-time scholarship ($500)." Not only does the email offer work from home, but a guaranteed salary of $1100 monthly for part time and $2500 for full time work. Interested parties are asked to complete an employment application that is attached to the email.

Ecommerce, Inc. informed BBB that this employment offer is fraudulent and did not come from their firm. Consumers interested in obtaining career opportunities with Ecommerce, Inc. should visit the company's careers section of their website at http://www.ecommerce.com/careers.php

BBB advises consumers not to fall victim to this identity theft scam. By completing & submitting the employment application the con-artist has all the tools necessary to commit fraudulent transactions in your name.

BBB advises job seekers to be aware of the following red flags which many indicate a deceitful job offer:

The salary and benefits offered seem too-good-to-be-true;
An employer offers the opportunity to become rich without leaving home;
An employer asks for extensive personal information such as social security or bank account numbers without conducting a single interview;
Employment offers are riddled with grammatical and spelling errors.

Naked Security at SOPHOS Reports What BBB Predicted: Watch for Emerging Valentine's Day Scams via Social Media

2/10/2011

Posted on 2/10/2011 by

Naked Security at SOPHOS Reports What BBB Predicted:

Watch for Emerging Valentine's Day Scams via Social Media Platforms

All week long, your regional BBB has been warning people about what to watch for during the Valentine’s Day season: questionable online dating activity, purchasing flowers wisely online and in brick and mortar stores, and email and texting scams. It used to be that authorities would warn about virus infected e-cards sent to INBOXES

But now, with the ever-increasing popularity of social media platforms such as Facebook and Twitter comes a whole new arena that the scammers can play in, enticing unsusceptible audiences with legitimate-seeming pings from friends (who have had their accounts hacked) or notices using such things as Facebook’s Instant Chat feature, or sending Twitter messages using tiny URLs that are non-descript.

Messages coming to you via these platforms usually attempt to entice you to open without thinking, clicking links without batting an eye. For instance, a blanket statement like, “check out my latest picture, you’ll love it…” may be the very thing that opens you and your computer to sabotage, hacking or lifting CONTACT lists out of your INBOX, or Friends List on Facebook in order for the scammers to spoof your list and create all kinds of fake scenarios to lay on your friends. What’s the point?

Today, Graham Cluely of Naked Security (http://nakedsecurity.sophos.com) has some great things to say about this dilemma here:

http://nakedsecurity.sophos.com/2011/02/10/valentines-day-scam-spreads-virally-on-facebook/

Jury Duty Scam Rampant: Threatens Your Private Information

2/10/2011

Posted on 2/10/2011 by

There are few people in our country that look forward to jury duty. Most of us dread it, but drag ourselves to the courthouse anyway, and some avoid it using any excuse. Unfortunately for those who take either approach, an old scam with a new ferocity is targeted at you.

HOW IT WORKS
You answer your phone, surprised to find someone of the other end who claims to be an officer of the court. You haven’t appeared for mandated jury duty, and have a warrant out for your arrest. You protest and claim that you never received a summons. An easy fix, says the caller, just clear up this mix up by handing over your birth date, social security number, maybe even a credit card number too.

BBB ADVICE
Stop. Before you give away your personal information, consider this: Court officials rarely cold call prospective jurors, and never ask for personal information over the phone. Most officials prefer to communicate via mail. You have just narrowly avoiding a scam that is brilliantly effective in its utter simplicity.

The F.B.I relates the success of the scam to targeting good people who are law-abiding. In an F.B.I released article, a special agent explains that most citizens who receive one of these phone calls are put on the defensive immediately, and then lured into the con-artist’s trap with the promise of a clean slate. The scam preys on upright people who fear a marred record.

Remember, that, above all, protecting your personal information is the goal. Given enough information, these con-artists can assume your identity, and empty your bank accounts as well as running up credit cards charges in your name.

The jury duty swindle has affected a number of states in the last few months, including Florida, Idaho, Washington, New York, Minnesota, Colorado, California and Arizona, and is considered by the F.B.I to be a threat to all communities, even those who haven’t had reports surface yet. Officials expect this con to pick up speed, but are trying to thwart the efforts of the scammers by spreading the word.

REPORT IT
If you receive a suspicious call, the F.B.I recommends calling your local F.B.I office to report the incident.

Seven STOP SIGNS to Keep Your Kids Safe Online

2/10/2011

Posted on 2/10/2011 by

Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.

You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.

You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

To raise awareness of children’s online safety, CARU has created a series of TV PSAs that are airing nationwide and are also available online. Blogs, television and radio stations interested in spreading the word about online safety can contact Wayne Keeley at wkeekey@caru.bbb.org to learn more about airing these PSAs.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner: http://www.caru.org/program/parentscorner.aspx

CONS MIMIC MICROSOFT, SAY COMPUTER HAS PROBLEMS

2/4/2011

Posted on 2/4/2011 by

Past Regional BBB (EWA, NID and MT) warning about this scam here (Tip#5):
http://spokane.bbb.org/article/twice-a-month-tips-you-can-trust-for-the-week-december-13-2010-24239

Better Business Bureau warns that consumers in multiple countries have received phishing phone calls impersonating Microsoft. BBB serving Alaska, Oregon and Western Washington now confirms the scam has hit Alaska.

How does the scam work? The caller impersonates a Microsoft representative and claims there is a serious virus or issue with the consumer's computer. The caller may warn that if the problem is not solved, the computer will become unusable. To "fix" the problem, the consumer is directed to visit a website or download a program that gives the caller remote access to log in to the computer. In some cases, the consumer is then offered a preventative service for a fee.

The scam: the caller does not work for Microsoft. If the consumer takes the suggested actions, they give a stranger access to the data on their computer; putting them at risk for identity theft.

Microsoft's website states, "We do not send unsolicited e-mail or make unsolicited phone calls to request personal or financial information or fix your computer."

Warning: Be wary of unsolicited calls.

- Confirm the problem: Never give personal or financial information to an unsolicited caller. If they claim to be from a specific entity, contact them using a trusted method and find out if there is a real issue. Don't download attachments or trust e-mail links.

- Don't agree to purchase over the phone: Ask for information in writing. Read the details and research the offer. If you still want to purchase, credit cards tend to have more protections than debit cards.

- Report fraudulent activity: Complaints can be filed with the Federal Trade Commission at www.ftc.gov. Internet and e-mail scams can be reported to the Internet Crime Complaint Center at www.ic3.gov. Complaints about a specific business can be filed at www.bbb.org.

Victims of the Microsoft phishing scam should contact trusted tech support to ensure their computer is protected. Make sure system updates, virus and spyware protection are current. Contact financial institutions and notify them of the possible identity theft to change account numbers and passwords. Monitor accounts for unexplained charges. Check credit reports on a yearly basis for free by visiting AnnualCreditReport.com.

Buying Jewelry for Your Loved One this Valentine’s Day? Price Compare and Know True Value

2/3/2011

Posted on 2/3/2011 by

Buying Jewelry for Your Loved One this Valentine’s Day? Price Compare and Know True Value

Consider Using a BBB Accredited Jeweler or Pawn Shop

Search Here: http://www.bbb.org/eastern-washington/accredited-business-guide/

During February of 2010, Census reports 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.

BBB warns consumers of the following advice when shopping for jewelry:

-Check out 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 the reliability of a company and find trustworthy businesses, visit BBB.

New Law Limiting Interest Rates on Loans May Cause Many to Seek Loans from Questionable Out of State Services

2/3/2011

Posted on 2/3/2011 by

PAYDAY LOAN ALERT FOR MONTANA

New Law Limiting Interest Rates on Loans May Cause Many to Seek Loans from Questionable Out of State Services

Early January, 2011, the Helena IR reported that only 30 of 82 payday lenders in the state of MT had renewed its licensing, mostly due to a new initiative that limits the interest rate of short-term loans to 36 percent. Many businesses in this industry stated that this new law made them “unprofitable.”

What does this mean? More questionable lending sources from other parts of the region will come out of the woodwork to entice Montanans seeking such loans. Catch? These groups need to be properly licensed to offer these services in Montana State.

Questionable payday loan groups, especially those that operate online only, have been the subject of warnings by various agencies in 2010, including the BBB.

BBB ADVICE

When looking for a payday loan online BBB recommends the following:

· Research the lender with BBB. Always check an online payday lender’s reliability report online before you hand over any bank account information. BBB Reliability Reports are available for free online and will tell you how many complaints BBB has received, how the company responded to complaints and BBB’s overall letter-grade rating.

· Consider all of your options. Payday loans can be extremely expensive if you are unable to pay the loan off quickly. The Federal Trade Commission recommends looking into a short term loan from your bank, contacting your current creditors quickly to explore payment options, working with a credit counseling center or at the very least, shopping around for the best interest rate and terms. Because of concerns with online lenders, try to find a brick and mortar location before settling on a lender.

· Look for the red flags. Unscrupulous online lenders often wave the same red flags including not being forthcoming about their location or contact information. Also be cautious of any lender that doesn’t ask you for any background information outside of your bank account number.

SIDE NOTE: PAYDAY LOAN COLLECTION SCAM

Payday loan activity has been so prevalent that even scammers attempt to get in on the action as they pose as collection agency attorneys threatening legal action over nonexistent debts. The scam collector makes random calls claiming to be an attorney representing a payday loan company and uses words like "theft" and "fraud" to intimidate callers into paying up on debts that they don’t even owe.

BBB ADVICE

Learn more about what debt collectors can and can't do (in layman’s terms) at this Consumer Affairs post here. The complete Fair Debt Collection Act document can be accessed at the Federal Trade Commission site.

Advance Fee Loan Scam Alert: MONTANA MUTUAL of Billings, MT

2/2/2011

Posted on 2/2/2011 by

Advance Fee Loan Scam Alert: MONTANA MUTUAL of Billings, MT

Cold Calling People, Offering Loans for Advance Fee

ADVANCE FEE LOAN SCAMS ARE ONE OF THE BBB’S TOP TEN SCAMS OF 2010

http://spokane.bbb.org/article/bbb-lists-top-10-scams-and-rip-offs-of-2010-24558

Montana Mutual
2825 3rd Ave. 6th Floor, Billings, MT 59101
(No such address in Billings, MT)

877-810-7024 or 406-206-4787
(406# traces to phone booth)

Fax: 406-206-4787
E-mail: lisamcbride@montanamutual.com
www.montanamutual.com

Today, the BBB was made aware of an advance fee loan scam using Montana information (including phone number, address and names) to purport the scam. A PA resident contacted BBB to report that he had received a random call on his cell phone offering him a loan. When he received the paperwork, it required him to make three upfront monthly payments “as collateral” prior to securing the loan and releasing funds. This activity is illegal in the United States.

BBB has received inquiries regarding this group, and has confirmed with the Montana Department of Banking and Financial Institutions that this is a scam, and that their office, too, has been receiving calls regarding this group. MT Department of Banking and Financial Insitutions was able to confirm that the address being used does not exist, and that the 406# being used does not trace to a legitimate place of business. Also, this company is not properly registered to offer loans in the state of Montana.

BBB ADVICE

The BBB and FTC offer the following tips on what to watch for when seeking a loan:

http://www.bbb.org/us/article/ftc--the-truth-about-advance-fee-loan-scams-4689

If you have fallen victim to this scam, report it ASAP to the following: FBI, Internet Complaint Center www.ic3.gov and the Federal Trade Commission at www.ftc.gov Make sure the loan company you work with is properly registered as a legitimate business PRIOR to agreeing or signing a contract. Contact the Montana Department of Banking and Financial Institutions at 406-841-2918 to check on proper licensing for any Montana lender.

Don’t Pay for Free Advice on Scholarships for College

2/1/2011

Posted on 2/1/2011 by

Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged as much as $69 even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

“The scholarship is guaranteed or your money back.” In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.
“You cannot get this information anywhere else.” Actually, scholarship information is widely available in books, from libraries and financial aid offices and on the Internet, if you are willing to search for it.
“We will do all the work.” Only parents and students can really determine and provide the financial information needed to complete the forms.
“You have been selected by a national foundation to receive a scholarship.” If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.
“May I have your credit card or bank account number to hold this scholarship?” This is never a requirement for a legitimate scholarship offer.
“The scholarship will cost some money.” Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit www.fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at www.bbb.org/us/Consumer-Tips/

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Advises Consumers To Be Wary When Using Dating Services, Websites To Find Valentines

1/31/2011

Posted on 1/31/2011 by

Looking for love online or through a traditional dating service may seem like an easy way to spice up your social life, but consumers tell the Better Business Bureau (BBB) that some services have left them frustrated and disappointed.

Matchmaking and dating services often promise to introduce people to other area singles that meet specified criteria. However, many services also generate complaints about the quality of matches they make and their cost, which can run to thousands of dollars.

Many complaints about the dating service industry concern personalized matchmaking companies and online dating websites. The two services take different approaches to helping people find love and lead to different types of complaints.

Common matchmaking complaints include:

Failure to match with singles that met specified criteria: Non-smoking complainants said they were matched with people who smoke, well-educated people were matched with less-educated ones or religious people were matched with atheists or people from other religions. Some were matched with people who lived too far away or were married.
Use of intimidating or duplicitous sales tactics: Complainants reported being yelled at, being told to not be so picky or being completely ignored by the companies involved.
Failure to deliver: Complainants were told the service had a database of thousands of singles, but they didn’t receive the promised number of dates or introductions. Others said a singles club sponsored events to bring singles together but the events didn’t live up to their billing.

Online dating service complaints include:

Minimum enrollment period: Online dating services normally require a specific length of membership and charge a monthly fee, which is renewed automatically when it expires. Either the customer didn’t realize the steps needed to cancel the account, or the consumer took the necessary steps but billing continued anyway.
Inability to cancel: Consumers said some companies wouldn’t allow them to cancel the contract after being dissatisfied with the company and its process.

The BBB offers the following advice on matchmaking and online dating services:

Don’t fall in love with the advertising. Be skeptical of claims such as “an exclusive network of people,” “for sincere daters only” or “beautiful singles just like you.” The BBB’s National Advertising Division recently decided a case between rival online services, requiring one to stop advertising that its methods were based on “the latest science of attraction.”
Don’t give in to high-pressure sales tactics. Sales associates may tell you that a low price is only good for that day and ask you to sign a contract immediately. You should take the contract home, read it carefully and make sure you understand what you are signing and paying for.
Know how to break up. Consumers should not assume that they will stop being billed once the contract runs out. Many online dating sites automatically renew memberships. Usually you must call the company or send written instructions to avoid being billed again. Know in advance what you need to do to cancel.
Beware of demands by a match to send money. Some scams that match men with foreign women typically include a request to send money to pay for a trip to the United States, using a wire service like Moneygram or Western Union. The woman never makes the trip, and the money can’t be recovered.
Do your homework. Ask to speak to other members or customers of the service about their experiences.
Check the company’s BBB Reliability Report by going online to www.bbb.org.

WA Attorney General urges consumers to guard against Internet snoops

1/31/2011

Posted on 1/31/2011 by

Rob McKenna
ATTORNEY GENERAL OF WASHINGTON
1125 Washington Street SE · PO Box 40100 · Olympia WA 98504-0100

FOR IMMEDIATE RELEASE
Jan. 28, 2010

Attorney General McKenna urges consumers to guard themselves against Internet snoops

Data Privacy Day serves as a reminder to check privacy settings on social networks and wireless connections

SEATTLE – Despite warnings, many computer users unknowingly leave them themselves vulnerable to financial fraud or privacy invasions. In recognition of Data Privacy Day, Attorney General Rob McKenna today warned Washington residents to protect their personal information by checking the privacy settings on social Web sites and using secured networks.

“It’s time to ask what happens to the bytes and bits of information we send over our computers and mobile phones, and to recognize that our online communications can increase our risk of financial or other harm,” McKenna said.

McKenna further commented on the issue of privacy in the era of social media in a post available on the Attorney General’s Office Facebook page at http://www.facebook.com/WAStateAttorneyGeneral.

Here are three steps you can take now to help ensure that you don’t unintentionally compromise your personal information:

1. Know your privacy settings.

A recent industry study found that 21 percent of adult social network users are leaving their profiles open for anyone to see. That’s about 24 million Americans.

The same study found that 70 million people have shared their birthplace on social networking sites and 20 million provided their pet’s name. Those are the same details that people are often asked to provide to verify their identity when setting up bank accounts, , and not information you want to share outside of your circle of friends and family.

If you post vacation updates on an open site or “check in” when you’re out and about, you're telling the world – and possibly a burglar – that your home is vacant. There’s also your reputation to consider. Other research shows 70 percent of human resources professionals have rejected a candidate based on what they found out about the person by searching online.

As part of Data Privacy Day, Facebook is reminding its users that they have control over their privacy settings, found both at the bottom of every Facebook page and in your account settings. With just a few clicks, you can adjust the type of information that strangers, application developers and friends can access, as well as control the information they can share about you.

2. Configure your wireless router to encrypt data.

Wireless Internet access is convenient. But you need to activate your router’s encryption feature to better ensure information you transmit over the Web – such as account logins, passwords and credit card numbers -- are scrambled.

Read the instructions that come with your wireless router to determine how to turn on the encryption feature. Two main types of encryption are available: WiFi Protected Access (WPA) and Wired Equivalent Privacy (WEP). Your computer, router, and other equipment must use the same encryption. WPA2 is strongest; use it if you have a choice.

Change your router’s hardware identifier and preset password so a hacker can’t use the defaults to try to access your network.

Of course, you should also use anti-virus and anti-spyware software and a firewall. For help configuring your router, visit www.onguardonline.gov/topics/wireless-security.aspx.

3. Don’t assume that public “hot spots” are secure.

Café, hotel and airport “hot spots” are convenient, but assume that other people can see anything you see or send over a public wireless network.

PRIVACY RESOURCES:

· Web Wise Washington, created by the Washington Attorney General’s Office and LookBothWays, provides a wealth of information to help adults, teens and seniors stay safe online: www.webwisewashington.com

· OnGuard Online provides practical tips from federal government agencies and technology experts: www.onguardonline.gov

· Facebook’s privacy guide: www.facebook.com/privacy

· Data Privacy Day site: www.dataprivacyday2011.org

· The Online Trust Alliance’s updated planning guide to help businesses protect data and prepare for potential breaches: https://otalliance.org/resources/Incident.html

Data Privacy Day, internationally recognized on Jan. 28, brings together businesses, individuals, government agencies, nonprofit groups and academics to spotlight how personal data is collected, used and stored.

Look for Seven Red Flags When Applying to a For-Profit College

1/27/2011

Posted on 1/27/2011 by

Enrollment at for-profit schools—including trade schools and online universities—has skyrocketed in recent years. Unfortunately, not all schools offer a quality education and enrolling in a sub-par program can be a waste of time and money. When checking out for-profit schools, the Better Business Bureau recommends doing your research and looking for five red flags.

For-profit colleges enroll 1.8 million students—a number that has increased significantly in the last decade, according to the US Department of Education. While for-profit schools are becoming a more popular option for students, a recent investigation by the US Government Accountability Office (GAO) found that some are misleading students about the cost and quality of the education they will receive.

When applying to a for-profit school, the BBB recommends looking out for the following red flags:

The recruiter uses high-pressure sales tactics.

If a sales rep is subjecting you to high pressure sales tactics—including bullying you or claiming you have to sign up immediately, just walk away. A reputable school will take the time to answer your questions, allow you to talk to a financial aid advisor and not push you into making a hasty decision.

The recruiter exaggerates potential income or guarantees a job.

Beware of any school that guarantees you will get a job after completing their program. Landing a job is never a sure thing, especially in this economy. If the representative tells you how much money you’ll make after completing their program, confirm it with a third party—don’t just take their word for it.

The prices are inflated when compared to other options.

A recent GAO investigation alleged price gouging at some for-profit schools. As an example, one school charged $14,000 for a certification in massage therapy while a similar certification at a local public college would have cost only $520. Before signing up with any for-profit school, do your research and compare costs against other for-profit schools and public colleges.

The school is not accredited.

Accreditation is extremely important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. You can check with the US Department of Education at http://ope.ed.gov/accreditation/ to learn which post secondary schools are accredited by approved agencies. More information on the importance of accreditation is available through the Council for Higher Education Accreditation’s website.

The degree or program seems too easy to obtain.

Diploma mills pose as online schools and often promise to give you a cheap and easy degree. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges. If the degree seems too easy to earn—this includes simply taking a test online or earning your degree based largely on life experience—it probably isn’t legitimate.

The school does not disclose information as required.

Some of the for-profit schools the GAO investigated "failed to provide clear information about the college's program duration, costs, or graduation rate despite federal regulations requiring them to do so." Don’t be afraid to ask plenty of questions when talking to recruiters and if you get the runaround instead of clear, concise answers, it’s a bad sign.

The recruiter encourages you to lie on financial aid forms.

The GAO report also found that some recruiters encouraged students to lie on their financial aid applications in order to get more money from the government to pay for tuition. If you get caught lying on your financial aid forms, not only will you have to pay the government back the money you borrowed, you could be fined and sent to prison.

For more advice on managing your personal finances and finding trustworthy businesses, visit www.bbb.org/us/Consumer-Tips/

MT AG Sues National Credit Solutions Working for Video Rental Stores

1/27/2011

Posted on 1/27/2011 by

NEWS RELEASE
ATTORNEY GENERAL STEVE BULLOCK
STATE OF MONTANA
FOR RELEASE: January 26, 2011
CONTACT: Kevin O'Brien, 444-0582 or Judy Beck, 444-5774

Bullock Sues Collection Agency Working for Video Rental Stores, Over 12 Thousand Montana Accounts Sent to Collection

Attorney General encourages Montanans to learn more at his website, check their credit rating

HELENA - On the heels of numerous complaints from consumers across the state and an investigation by his Office of Consumer Protection, Attorney General Steve Bullock announced at a press conference Wednesday that he has filed a lawsuit against National Credit Solutions, a debt collector working for the now-defunct video rental chains Movie Gallery and Hollywood Video.

Bullock's lawsuit, filed today in Helena District Court, alleges the collection agency unlawfully attempted to collect money from customers and sent negative credit reports to the national credit reporting bureaus, without ever notifying the consumer of the alleged debt. The investigation uncovered that 12,325 Montanans have been affected, unbeknownst to many of them.

"It's our belief that this debt collector - who made no attempts to contact consumers - has blatantly violated our laws and bullied Montanans. We will hold them accountable," said Bullock. "It's crazy to think that a Montanan would be prevented from refinancing their house or buying a new car simply because they returned Caddyshack two days late."

Hollywood Video and Movie Gallery had 24 storefront locations across Montana, all of which closed in 2009 and 2010 as their parent company went bankrupt. After the stores closed, alleged late fees and other charges related to movie rentals were sent to the collection agency.

In complaints with Bullock's office, Montana consumers allege they were never notified of the alleged debt by the video rental stores or the collection agency. When they contacted National Credit Solutions, they were told they must immediately make full payment of the claimed debt along with exorbitant collection fees. If the consumer doesn't agree to pay the full amount, National Credit Solutions refuses to remove the negative credit report.

Consumers were surprised to learn of the adverse credit reports when they applied for a loan or through a subscription with a credit monitoring service.

Bullock's lawsuit alleges serious violations of Montana's Unfair Trade Practices and Consumer Protection Act by National Credit Solutions, including:

* Consumers have not been given fair notice of the claimed debt, or an opportunity to either pay or dispute it.

* National Credit Solutions has filed negative credit reports without notifying consumers.

* The collection agency demands payment of unlawful collection fees.

Bullock added that any creditor has the right to lawfully collect a legitimate debt. In doing so, the collection agency may not demand unlawful collection fees and must give the consumer fair notice of the claimed debt and a chance to pay or dispute it.

Anyone who rented movies from Movie Gallery or Hollywood Video might be one of the more than 12,300 Montanans who, unbeknownst to them, have a negative credit report from National Credit Solutions. Montanans seeking to find more information - including ways to check your credit report for free - should visit www.consumerprotection.mt.gov.