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BBB urges caution when selecting a tax preparer

2/8/2012

Posted on 2/8/2012 by

Before you rush out and get your taxes done, the Better Business Bureau (BBB) advises you to check your tax preparer’s BBB Business Review and be aware of pitfalls that trip up taxpayers every year.

BBB Business Reviews are a great way to check out any business, including accountants and other tax professionals. The reviews list any complaints filed against a business in the last three years. They rate companies A+ to F based on 16 factors, including how long they’ve been in business and how they respond to complaints.

Some tax preparation companies are open for only a few months every year, and it can be hard to track the preparer down if you run into problems with your return. Consumers already have filed complaints with the BBB this year about delays in getting refunds. Some tax preparation offices have shut down abruptly, prompting complaints.

Not all tax preparers are created equal, so it’s important to check a preparer’s qualifications. Ask what will happen if the Internal Revenue Service rejects or challenges your return.

Consumers can also check the CTEC, the California Tax Education Council, at www.ctec.org.

Tax preparers may offer loans that allow you to leave the preparer’s office with a check or debit card rather than wait for the IRS to mail your refund. The BBB advises consumers to avoid these costly loans, which are very similar to payday loans and carry interest rates from 50 to 500 percent. Some have hidden administrative fees. If a preparer makes a mistake in calculating your refund, borrowers may have to pay fines and fees, too.

In most cases, tax refund anticipation loans only give consumers their refund a few days faster than the IRS, which can direct-deposit your refund in as few as 10 days.

“Consumers may assume that the loans will be paid off quickly when their refund arrives,” said Blair Looney, BBB president and CEO. “But if the refund is less than the loan, consumers will have to repay the difference, plus fees and fines.”

The IRS recently issued warnings about online schemes that can steal taxpayers’ identities. Scam emails may say that there’s an issue with a refund, that the taxpayer is being audited or that there’s a delay in processing the tax return. Links in the emails usually go to a scammer’s website, which asks victims to enter Social Security numbers, bank account or credit card information. The site may automatically install viruses or other malicious software on victims’ computers.

The IRS doesn’t initiate contact with taxpayers by email, and it won’t request personal or financial information or inform you of an audit that way. The IRS says taxpayers should suspect identity fraud if they receive a letter from the IRS saying that more than one tax return was filed for them or if the letter states that you received wages from an employer you don’t know.

If you decide to hire a tax preparer, the BBB advises that you:

Ask for referrals from friends, but check the preparer out with the BBB before you hire anyone at www.cencal.bbb.org or by calling 800.675.8118.
Check credentials. Is the preparer a certified public accountant (CPA), a tax lawyer or an enrolled agent? Will the preparer sign your return and provide you with a copy? Does the preparer belong to a professional organization that requires members to adhere to a code of ethics?
Be wary of promises. Until the preparer knows your situation, there is no way to know whether you’ll get a refund or how big it will be.
Check accessibility. You may need to contact your preparer after tax season is over. Will he or she be available?
Read the contract: Know what the service will cost, what it covers and whether the cost changes if you have a complicated return. Will the preparer represent you in case of an audit?
Check your return: Before you sign the return, read it over to check for mistakes. Ask the preparer to explain anything you don’t understand.

BBB services to the public are free. Consumers may obtain BBB Business Reviews by going online to www.cencal.bbb.org or by calling 800.675.8118

Scammers delight in using the BBB name: Don't open fake email

1/19/2012

Posted on 1/19/2012 by

For the fourth time since November, 2011, scammers have shown that they recognize the power of the BBB name. The latest misuse of the BBB trusted name is another phony complaint notification.

The message says that the recipient has a complaint pending against them with the BBB and instructs them to click on a link to see and respond to the complaint. Once clicked, malware invades the user’s computer.

The email is sent from multiple addresses with the subject line "Complaint #" followed by a nine-digit number. BBB Accredited and non-Accredited Businesses have been targeted, and some consumers have also received the email.

Some emails appear to be coming from risk@bbb.org and service@bbb.org and contain the Council of Better Business Bureau’s (CBBB) address in Arlington, VA at the bottom of the message

Recipients of any such emails should NOT click on the link and should immediately delete the message.

The BBB has advised that anyone who receives a phishing email to take the following precautionary steps:

· Do not click on any links or reply to the message

· Completely delete the message from your inbox

· Run a full virus scan on your computer if you did click on any links

If you have concerns that you might have an actual complaint, please contact your local BBB office immediately at 800-675-8118 or at info@cencal.bbb.org.

BBB issues consumer alert about Home Emergency Insurance Solutions

12/15/2011

Posted on 12/15/2011 by

The BBB is urging consumers to use caution when responding to a solicitation regarding insurance coverage for the water pipes that lead from the street into the house.

Home Emergency Insurance Solutions has sent a mass mailing to the Fresno area urging homeowners to purchase ‘Water Line Insurance Protection’ policies. Although there is no government seal used on the documents, the wording makes it sound as if notification is official and that the insurance is required.

It is not until the reader gets down to the fine print on a secondary page that they find the disclaimer that the company is not affiliated with the local utility company and that the insurance is optional.

Home Emergency Insurance Solutions, also known as HomeServe USA Corp., is headquartered in Connecticut and has a ‘C’ rating from the Connecticut BBB. The company has had to answer two government actions in the past year, which led to the addition of the statement that they are not a government organization and that the insurance is optional.

“Even the name of the company is scary, combining the words home and emergency in the same line,” said Blair Looney, CEO and president of the BBB serving Central California. “Homeowners are responsible for the maintenance of the water pipes leading from the water meter into the house, but they should check with their own local insurance agent to see if they need coverage since it may not be necessary in newer homes.”

The Connecticut BBB has placed the following statement in the company’s report.

“BBB has received numerous complaints, from consumers across the country, concerning this business's direct mail solicitations, specifically that the solicitations' layout may cause consumers to perceive the letters as coming from the consumers' utility companies and not an independent business selling home warranty or insurance coverage.

BBB also received customer complaints concerning coverage issues, specifically that when a problem occurred, it was not covered by the policy.”

The BBB encourages all consumers to carefully read every solicitation they receive, including the fine print. Don’t automatically assume you need whatever is being sold. Always check the company’s Business Review with the BBB by calling your local office or at www.cencal.bbb.org.

In the case of insurance policies, always check with your local insurance agent first to see if you already have or need the coverage being offered. If you do need the coverage, it may be available at a lesser cost than what is offered through the mailing.

BBB red alert: CotterWeb mystery shopping offer a scam

12/15/2011

Posted on 12/15/2011 by

The BBB is issuing a red alert about a Minnesota company trying to lure job seekers with phony promises of mystery shopping and lucrative salaries. In addition, the company is capitalizing on the name of a similar, legitimate company and falsely claiming to be “listed with the Better Business Bureau.”

CotterWeb Market Research Inc (sic) apparently is tweaking the name of Cotterweb Enterprises, Inc., located in Mendota Heights, MN, because that company has an A+ rating with the BBB of Minnesota and North Dakota.

The fraudulent company sends unsolicited letters, accompanied by a check, congratulating the recipient on being selected as a mystery shopper. The letter gives instructions on how to complete the first shopping assignment, including shopping at retail stores and then “evaluating” Western Union by wiring a significant portion of the enclosed check to an address provided by the company.

The scam is sweetened by the promise that the shopper can keep all merchandise purchased as part of the assignment.

The letter sent by CotterWeb Market Research is almost identical to a letter for mystery shopping employment sent by Uni tech Staffing Inc (sic), a company allegedly located in West Monroe, LA.

Although there are firms that employ people as mystery shoppers, this is not how legitimate mystery shopping firms operate. Consumers who receive any solicitation offering employment as mystery shoppers are advised to be wary, especially if a check is enclosed prior to any services being performed.

To avoid falling for mystery shopping scams, consumers should:

• Always be extremely leery of checks you receive out of the blue

• Check the company out at www.bbb.org

• Remember that legitimate job offers do not require payments upfront, nor do (or should) they require you to wire money to a third party

Don't Bite on BBB Phishing Emails

12/7/2011

Posted on 12/7/2011 by

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

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

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

BBBaby, It's Cold Outside!

12/6/2011

Posted on 12/6/2011 by

If you are a renter, you should be aware that California law entitles you to heat in your dwelling.

According to California Civil Code §1941.1, the definition of “habitability” includes: ‘heating facilities that conformed with applicable law at the time of installation, maintained in good working order.’

If your heating unit stops working, contact your landlord immediately to request a repair. If the landlord does not offer to immediately fix the problem, ask when the repair will be made. A reasonable waiting period is usually 30 days.

If your landlord refuses to fix the heating unit or if it is not fixed within a reasonable amount of time, tenants should notify the landlord in writing that they will be having the unit repaired themselves. The renter can then deduct the cost of the repair from the rental payment, but the balance must be paid on time. Copies of any repair receipts should be included with the balance of the rent payment.

More information about both tenant and landlord rights is available in “A Guide to Residential Tenants’ and Landlords’ Rights and Responsibilities.” It is published by the California Department of Consumer Affairs (DCA) and it is available at your local BBB office.

BBB Holiday Hints for Smarter Spending

11/29/2011

Posted on 11/29/2011 by

Shop or donate online only on sites that use technology that encrypts your personal and financial information before sending it for payment processing. Encrypting sensitive information makes it inaccessible to anyone outside the system.

Always look for the “s.” Any page on a site that asks for personal or financial information should have a URL or Web address beginning with https:// as opposed to the usual http://.

Shopping only on the sites of merchants you know and trust is another critical means of ensuring your online safety. However, if you decide to order from a Web site you have never patronized before, it's a good idea to spend a few minutes investigating the site. For starters, reliable Internet retailers always include a business address and contact telephone number on their sites, as well as information about site security, their return and refund policies, shipping practices and privacy policy. This information should be easily located on the Web site, often along the bottom of the company's home page. If you can't find this information or suspect that the business might not be legitimate, contact the Better Business Bureau or the Michigan Attorney General's office to determine if there are outstanding complaints against the company.

Another critical step in securing your personal and financial data is to provide only the information necessary to complete the transaction — and no more. Social Security numbers are not required to complete an online purchase and consumers should never provide this information. Being asked to reveal sensitive information, such as a Social Security number, on a retail Web site is an automatic red flag indicating that something is not right. Your best bet? Close your browser window and search for another, reputable source for the item you want.

Finally, whenever you shop online, it's best to pay directly with credit cards, or through a pay service that accepts credit cards, which are protected by the federal Fair Credit Billing Act — a law that entitles cardholders to dispute charges made to their accounts. Unfortunately, there is no other form of payment that provides this type or level of protection.

SCAM ALERT: Phishing email using BBB name in vain

11/23/2011

Posted on 11/23/2011 by

Phishing attack continues to use BBB name as bait:

Beware of fake complaint reports coming from cencal.bbb.org

[November 23, 2011]--The Better Business Bureau is warning businesses to beware of a returning campaign of malicious e-mail that pretends to be from the BBB about a complaint filed against the company. The e-mail scam came to the BBB’s attention for the first time on April 12, 2010.

Several businesses across the US – including banks, law firms, advertising agencies and architecture firms – have reported receiving a suspicious e-mail from the address seatac@bbb.org with the subject line “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-Accredited Businesses have been targeted.

The body of the e-mail claims that the company did not respond to a complaint and includes a link to a page at www.bbb.org where the business can supposedly review the complaint.

Because the message is fraudulent, the BBB advises any business that receives this e-mail to take the following steps:

Do not click on any links or reply to the message,

Forward the message to phishing@council.bbb.org,

Completely delete the message from your inbox,

Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from the Better Business Bureau about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact the BBB at 800-675-8118 or info@cencal.bbb.org.

For more advice on how to protect your business from malicious online attacks and data breaches visit www.bbb.org/data-security/.

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
###

If you receive this e-mail, do not click on any links, open attachments or reply to the e-mail. Instead delete the e-mail completely from your computer. If you have clicked on links, opened attachments or replied to the e-mail, delete the e-mail and run a virus scan.

BOE visiting Fresno businesses

11/16/2011

Posted on 11/16/2011 by

The California State Board of Equalization (BOE) today announced that letters were recently sent to businesses in Fresno’s zip code 93710 notifying them of upcoming visits to verify proper business permits. The letters are part of a series sent to more than 14,500 retail businesses in 18 different zip codes statewide, informing them of upcoming visits by BOE specialists.

These visits are part of the Statewide Compliance and Outreach Program (SCOP) that was launched in September 2008. The BOE specialists have visited more than 250,000 businesses statewide, with 341 zip codes receiving notifications.

The goal of the SCOP program is to verify that all businesses are properly registered so that there is no unfair business advantage over those businesses that are properly registered and reporting their taxes and/or fees. The SCOP program has found that more than 3.5 percent of businesses operating in California do so without the appropriate permits or licenses that allow for collection of sales and use tax, as well as other taxes and fees. Non-compliance is a part of the more than $2 billion sales and use tax gap — the difference between the amount of taxes owed and the amount of taxes paid.

The BOE specialists conduct checks for seller’s permits of all storefronts and other known business locations. When the specialists visit, business owners are asked business-related questions but are not asked for personal financial information. If an owner has specific questions about the inquiries from the BOE specialists, they should call their local SCOP Team (SCOP contact information). For general information, contact the Taxpayer Information Call Center at 800-400-7115.

Businesses visited by the BOE specialists should ask for identification before providing any information.

There are seven teams of approximately eight people each, located throughout the state, that conduct door-to-door visits based on zip code. Registered retailers, as well as service industry businesses, will be checked for appropriate permits and licenses. Those businesses found to be out of compliance will be given instructions on how to register with the BOE and given information about other necessary licenses.

The five-member California State Board of Equalization (BOE) is a publicly elected tax board. The BOE collects more than $50 billion annually in taxes and fees supporting state and local government services. It hears business tax appeals, acts as the appellate body for franchise and personal income tax appeals, and serves a significant role in the assessment and administration of property taxes. For more information on other taxes and fees in California, visit www.taxes.ca.gov.

For more information on the Statewide Compliance and Outreach Program (SCOP), visit www.boe.ca.gov/sutax/SCOP_Overview.htm.

BBB iPhone app puts information at your fingertips

11/15/2011

Posted on 11/15/2011 by

In another example of using technology to help share reliable information, the BBB today released the official BBB Search app, a convenient, mobile BBB solution available for the iPhone, iPad and iPod Touch. The app was approved by the Apple Store and is available for download as of today.

The BBB introduced unique QR codes for Accredited Businesses last month.

“For 100 years, the BBB has been part of consumers’ daily lives as the trusted source for unbiased information on businesses and charities,” said Blair Looney, President and CEO of the BBB. “We have data on more than 4 million businesses in the United States and Canada – an amazing wealth of information to help consumers find trustworthy businesses…and to help them avoid those that are not. We are excited to offer this information to consumers on the go.”

BBB Search features include:

Search for local businesses by name, phone, URL, or category type
Search via current location or specified city, state or ZIP code
Display search results in list or map views
Access previous searches through the history menu
View the BBB Business Review for every business listing, complete with BBB Rating, contact info, BBB Accreditation status, consumer complaint history, and more
Save a listed business's info to Favorites or iOS contacts
Share a business's BBB Business Review URL via email, Twitter, or Facebook
Find a local BBB near you
Read the latest BBB News and Tips

BBB Search 1.1 is available as a free app download on Apple's iOS App Store for devices running iOS 3.1 or higher. An Internet connection is required.

App Store URL:

http://itunes.apple.com/us/app/bbb-search-find-local-businesses/id440014505?mt=8

For more information, please visit: http://www.bbb.org/iphone/

Tips Warm Winter Season

11/7/2011

Posted on 11/7/2011 by

Frigid temperatures can cause indoor heating troubles and unexpected costs for unprepared homeowners. In October 2011, the U.S. Energy Information Administration's (EIA) Short-Term Energy and Winter Fuels Outlook predicted rising heating bill costs this winter for many U.S. consumers. The EIA anticipates greater expenses in households using natural gas, propane and heating oil; increasing by 3, 7 and 8 percent, respectively.

With a variety of heating systems available, the Better Business Bureau offers winter-proofing basics to help deflect rising energy costs:

Furnaces: Most homes in the U.S. are heated by furnaces or boilers. Ensure that thermostats and pilot lights are functioning properly on furnaces; clean and replace filters every month or as needed. Older furnaces may be due for replacement after 10 to 15 years. Hire an inspector to make sure it is in safe working order.

Heating Ducts: Effective duct systems are designed to distribute air properly throughout the home, keeping all rooms at a comfortable temperature. However, design deficiencies, leakage and poor insulation can cause duct systems to lose efficiency and drain energy, according to the U.S. Department of Energy. Simple upgrades such as sealing leaks, adding insulation to exposed ductwork, inserting new return-air grilles or installing jumper ducts can make a big difference. Clean ducts at least once every two years. For help, consult a qualified professional.

Chimneys and Fireplaces: Every year, preferably before the coldest season, have wood-burning systems inspected by chimney sweeps. Be wary of animals, debris and leaves in outdoor units. On chimneys, close dampers when fireplaces are not in use. Replace old or leaky dampers, which can add hundreds of dollars to yearly heating bills.

Air Leaks: Be wary, most homes leak heat due to worn weather stripping and peeled or cracked caulking. Inspect and repair leaky doors and windows. Consider hanging thermal curtains on windows. If needed, replace worn or missing shingles and seal cracks in the home's foundation.

$mart Tip: Install programmable thermostats to reduce heating costs.

Check out local heating system professionals with the BBB serving Central California. For more solutions, check out Energysavers.gov, Homeenergysaver.lbl.gov and the DOE's Energy Savers Booklet.

BBB warns against bogus Facebook Sweepstakes

10/21/2011

Posted on 10/21/2011 by

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

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

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

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

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

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

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

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

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

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

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

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

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

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

BBB: Be aware when banking online

10/5/2011

Posted on 10/5/2011 by
October is National Cyber Security Awareness Month and the Better Business Bureau is advising business owners to protect their identity when using online banking.

Online banking is a great tool to help small businesses quickly and conveniently track financial information, as well as pay their bills and employees. However, data thieves are now targeting small business owners — and their employees — to get access to their online banking credentials and accounts so that they can make unauthorized money transfers. A small business can protect itself against increased liability on its financial transactions by using strong procedures to secure the credentials they use to access their bank accounts.

“In this day and age when practically everything is done on the Internet, it’s extremely important to take the necessary precautions,” said Blair Looney, president and CEO of the BBB. “Not only are your business’ financials at risk when you don’t secure your banking, but your employees records could be compromised, too.”

The BBB recommends the following guidelines to help you protect the computers you use to access your bank accounts and your online access credentials.

Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH payments, etc.

Have dedicated workstations. Restrict the use of certain workstations and laptops to be utilized solely for online banking and payments, if possible. For example, a workstation or laptop used for online banking should not be used for web browsing or social networking.

Use robust authentication methods and vendors. Make sure your financial service providers allow for "multi-factor authentication." This means that you need more than just a username and password to access your account.

Update virus protection and security software. Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.

Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

Basic Mediation Training offered by BBB in Fresno October 3-7: Special Pricing Offer now in effect

9/28/2011

Posted on 9/28/2011 by

Special offer: If you volunteer for 30 hours of mediation within a six month period, the training fee is reduced to $200 or $150 for seniors and students. This special offer does not apply to MCLE credit.

Are you a good listener? Do you know how to soothe sore feelings? Would you like to learn how to defuse angry tempers or unhappy co-workers?

If so, the Better Business Bureau’s upcoming Mediation Training may be right for you. The training will be held on October 3-7, from 9 a.m. to 4 p.m., at the North Fresno Center of Fresno Pacific University located at 5 River Park Place West.

The training is cosponsored by the BBB and San Joaquin College of Law. The cost is $250 and includes the training, training manual, continental breakfasts and lunches. There is a $50 discount for seniors and students.

This activity has been approved for Minimum Continued Legal Education credit by the State Bar of California in the amount of 28.25 hours of which 1 hour will apply to Elimination of Bias and 1 hour will apply to Legal Ethics. Total training hours are 32.

Special offer: If you volunteer for 30 hours of mediation within a six month period, the training fee is reduced to $200 or $150 for seniors and students. This special offer does not apply to MCLE credit.

Reservations for the Mediation Training can be made by calling BBB Mediation Services at 559-256-6300 or emailing info@cencal.bbb.org.

Presenters for the week-long training include Dr. Jackie Ryle, Ph.D., Professional Mediator and Certified Facilitator; Liz Garvin, M.A., BBB Mediation Services Director; Mari Henson, M.A., Fresno County ADR Administrator ; John Montejano, A.A., Fresno County ADR Administrator Assistant and Duane Ruth-Heffelbower, M.Div., J.D., Fresno Pacific University Associate Professor.

In the course of your everyday personal and professional life, you use many of the skills that make the qualities of a good mediator—verbal and nonverbal communication, listening, paraphrasing and reframing, brainstorming, and a host of others—whether or not you are aware of it.

In the Basic Mediation Training, you will learn skills commonly used in the practice of mediation. You will also learn the process mediators use to help disputing parties reexamine issues, underlying interests, and options so they can resolve their dispute successfully.

The training will include a combination of lecture and discussion, skill building exercises, and mediation role-plays coached by experienced mediators. Attorney and non-attorney mediation practitioners will also discuss ethical issues, mediation approaches, the development of a personal mediation style, and how they deal with unusual people and circumstances during mediation.

The training meets the requirements of the BBB Mediation Services and Fresno County Superior Court’s civil mediation panel.

Are you good at listening? Basic Mediation Training open to All

9/20/2011

Posted on 9/20/2011 by

Are you a good listener? Do you know how to soothe sore feelings? Would you like to learn how to defuse angry tempers or unhappy co-workers?

The training is cosponsored by the BBB and San Joaquin College of Law. The cost is $250.00, and includes the training, training manual, continental breakfast and lunch. There is $50.00 discount for students and seniors.

This activity has been approved for Minimum Continued Legal Education (MCLE) credit by the State Bar of California in the amount of 28.25 hours of which 1 hour will apply to Elimination of Bias and 1 hour will apply to Legal Ethics. An additional $100 fee will be charged for MCLE credit for attorneys.

Reservations for the Mediation Training can be made by calling BBB Mediation Services at 559-256-6300 or emailing info@cencal.bbb.org.

The training meets the requirements of the BBB Mediation Services and Fresno County Superior Court’s civil mediation panel.

BBB issues warning about fake FTC email

9/2/2011

Posted on 9/2/2011 by

The Federal Trade Commission issued the alert below on September 1, 2011 warning consumers about a bogus email being falsely sent using their name and leading recipients to believe it is it is from them. In fact, it is not.

Below is the legitimate email from the FTC.

FTC Warns Small Businesses: Don't Open Email Falsely Claiming to be From FTC

The FTC is warning small businesses that an email with a subject line "URGENT: Pending Consumer Complaint" is not from the FTC. The email says that a complaint has been filed with the agency against their company. The FTC advises not to click on any of the links or attachments with the email. Clicking on the links may install a virus on the computer.

The FTC's advice: Delete the email. For more information on malware, visit www.OnGuardOnline.gov/malware.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC's online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC's website provides free information on a variety of consumer topics. Like the FTC on Facebook and follow us on Twitter.

MEDIA CONTACT:
Office of Public Affairs
202-326-2180

Below is the fake email. As you can see it looks legitimate. Do not click the link!

From:

Federal Trade Commission

[mailto:complaints@ftc.gov]

Sent:

Thursday, September 01, 2011 11:28 AM

Subject:

URGENT : Pending consumer complaint!

Dear business owner,

A consumer complaint has been filled against your company.

Your company is being accused of trying to commit fraud against the complaint's filling party. The full text of the complaint file can be viewed on the FTC website, in PDF format, by visiting the following link :

http://www.ftc.gov/complaint/view_complaint.aspx?complaint_id=9302&hash=7634902846982132319

An official response from your part is required, in order to take further action. Please review the charges brought forward in the complaint file, and contact us as soon as possible by :

Phone:

Call our toll-free helpline: 1-877-FTC-HELP (1-877-382-4357);

TTY: 1-866-653-4261

Online:

Use our secure complaint form (https://www.ftccomplaintassistant.gov)

Email:complaints@ftc.gov

Thank you,

Federal Trade Commission

Consumer Protection Department

It is not uncommon for scammers to use the name of legitimate organizations, as well as use scare tactics such as those in the phony email above, to scare potential victims and illicit a response.

As always, your BBB urges consumers to use extreme caution when opening any email. It's especially important not to click on links unless you are positive who sent the email.

BBB Mediation Services Helps Relieve Court Calendars:Now You can train to be part of the solution

8/26/2011

Posted on 8/26/2011 by

In an effort to help alleviate crowded court schedules, the Better Business Bureau began mediating Small Claims court cases in Tulare County in October, 2010. Mediation Services are provided by professionally trained mediators and the services are available free of charge to residents of Tulare County.

Mediation offers both parties in a Small Claims Court action the opportunity to talk to each other with a neutral third-party present and without the presence of a judge. Agreements reached are binding but mediation offers each party the chance to negotiate and discuss the problem and reach a resolution that is agreeable to both sides.

“We have been able to facilitate 143 mediations since January of this year,” said Liz Garvin, director of BBB Mediation Services. “We appreciate the opportunity to serve both the citizens and the courts in Tulare County.”

If you are an attorney, paralegal or have had some previous legal training, you have a unique opportunity to learn advanced mediation techniques and applications.

Advanced Mediation Training will be held September 16 from 5:30-9:00 p.m. and September 17 from 8:30 a.m. - 4:30 p.m. at the Tulare County Self Help Resource Center & Family Law Facilitator located at 3400 W. Mineral King Blvd., Ste. C, in Visalia. The cost is $100 with an additional $50 for MCLE credit.

The training teaches skills commonly used in the practice of mediation. Participants will also learn the process mediators use to help disputing parties reexamine issues, underlying interests, and options so they can resolve their dispute successfully.

Call BBB Mediations Services at 559-553-4470 for more information or reservations or go to www.bbbmediation.org.

The training is cosponsored by the BBB Mediation Services and San Joaquin College of Law.

The Superior Court of California, County of Tulare, has awarded the BBB Foundation a contract to perform mediation services in Small Claims Court, Family Court 9 (non-custody) and to perform community mediations. This contract is funded by the Dispute Resolution Program Act established in 1986.

BBB Mediation Services also began mediating Unlawful Detainer court cases in Tulare County in July and has already completed 12 mediations.

BBB Mediators are also available to mediate community based disputes in areas such as property damage, landlord/tenant, auto accidents/repair, neighbor disputes and much more.

Similar programs are already providing community services to the residents of Fresno and Kern counties.

For more information regarding mediation services, contact Liz Garvin at 559-256-6325.

BBB Red Alert: Family scam has already mutated into new version

8/17/2011

Posted on 8/17/2011 by
The family scam the BBB warned consumers about last week has already taken on a new, multi-layered, twist.

The initial bait: A gentleman in Bakersfield received a call on Monday afternoon from someone who opened the conversation by saying “hey, cousin” in Spanish and commenting on how long it had been since he had seen or talked to him. After a few pleasantries, the Bakersfield man said he really couldn’t recognize the caller’s voice and asked which cousin he was.

The caller pretended to be hurt and suggested the man take a guess. After a few guesses, the caller responded to the name ‘Francisco’ and said again he couldn’t believe how long it had been since they talked. Francisco said he had obtained a work visa for California and was driving up from Mexico and would like to get together. He said he would call again the next day and let his “cousin” know when he would be in town.

More bait: True to his word, Francisco did call the next morning and said he was about 20 minutes outside of Tijuana and could hardly wait to get together.

The touch: A half hour later, he called again and said he had been in an accident in Tijuana and was being detained by the police. He said the driver of the other car said she was having shoulder pain but was willing to settle for $1,100. Francisco said he had $400 on him and asked if his “cousin” could lend him the additional $700 and he would pay him back when they got together.

More bait: The Bakersfield man wired the $700 via MoneyGram and soon received a call thanking him for his help and that everything was now okay. Francisco called back again to say he was getting back on the road.

The second touch: Then, a short time later, Francisco contacted the “cousin” saying his car must have been damaged in the accident because it wasn’t running. He said he had spent all his money on settling with the accident victim and needed additional assistance.

At this point, the victim’s daughter became suspicious and had her father stall the caller. They contacted family members in Mexico who confirmed that the real relative was safe and still at home.

To protect themselves from this scam, and other scams that may use a distressed loved-one tactic, BBB is advising people to remain calm and confirm the status of the individual by calling them back directly or verifying the story with other family members before taking any further action.

Developing a secret code that is known only within the family is also recommended. It could be a reference to a childhood vacation; a first crush; a family story that isn’t widely known; etc.

Victims of this scam are encouraged to come forward and file complaints as part of an ongoing investigation with the BBB at www.cencal.bbb.org or 800-675-8118, ext. 330. Reports should also be filed with the local police department and FBI offices.

New Twist on Advanced Shipping Fee Scam Targets New Industries

8/17/2011

Posted on 8/17/2011 by
The BBB is updating its warnings about scammers who are contacting businesses claiming they want to do business with them even though they aren’t in the local area or, more frequently, even in the same country.

Initially targeting small auto repair shops through deaf communication devices regarding the shipping of vehicles that needed repairs, scammers have now moved on to other service industries as well as purchasing goods.

Like most successful scams, the process is fairly simple. The scam artist currently contacts potential victims through email and makes a request that will cost a substantial amount of money.

The scammer then makes payment arrangements with the business to cover the charges and shipping fees. The scammer asks the company to wire the shipping amount to the “shipper” that will be handling the freight end of the deal, promising to reimburse them immediately. The money is actually being wired to the scam artist. Later, the business receives a call from their credit card processor informing them the card was a stolen card and charges will be reversed on the company’s merchant account. The business has been scammed and is unable to recover funds.

A Central Valley company specializing in monuments was recently a victim of a scammer claiming to be a minister from Ghana who needed to purchase a monument and have it inscribed for a deceased parishioner. The company completed the first request and immediately received a purchase order for several additional blank monuments. Scam charges rose to more than $4,000 before the monument company called a halt to the process.

A dry cleaning company also received an email from someone claiming to represent a hotel in Spain. The request was for dry cleaning a large amount of clothing left behind in hotel rooms with the same request for the company to pay the freight company for shipping fees in advance. Fortunately, the company’s owner thought the deal was a little smelly and declined to participate.

The Better Business Bureau reminds ALL businesses:

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

- Inform all of your employees to beware of similar phone calls

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

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

Gold soars but be careful when selling your jewellery, warns BBB

8/9/2011

Posted on 8/9/2011 by

As stock markets plunge in the wake of the U.S. credit rating downgrade, gold prices continue to soar, now topping $1,700 an ounce.

This new high and increasing demand for the precious metal makes it very tempting for consumers to trade their unwanted jewellery for cash. Options to sell gold online, at in-home ‘gold parties’, or through local jewelers continue to gain in popularity, but the BBB would like consumers to think before they try to cash in on the gold rush.

BBB suggests consumers consider the following before selling your gold:

Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Check with the Better Business Bureau at www.cencal.bbb.org. The BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

The true price of gold may not be what you receive. If gold is worth $1,700 per ounce, you aren't going to be paid $1,700 for every ounce of gold you have. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending). Understand that the ounce quote is for pure gold only. For instance, 14-karat gold is composed of just 58.5 per cent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending. The lower the karat, the less the gold content.

Don’t let jewellery of different karat value be weighed together. Some dealers will weigh all jewellery together and pay you for the lowest karat value. Separate your jewellery by karat value before attending a gold party.

Don't let anyone steal your diamonds from gold pieces. Single gold stud earrings might be worth $5 or $10, yet diamonds in the earrings can be saved. Some are too small, and the labor to remove them might exceed their value, but engagement ring diamonds, for example, should be given a value separate from the gold.

Know the terms and conditions when sending items by post. Make sure your items are insured when being shipped, so if they are lost you can recover the value.

Obtain appraisals prior to mailing items, so if they are lost you have proof of their value.

Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability.

Make a list of the items included in the package, keep a copy for yourself, and put a copy in the envelope.

Take a picture of the items you are sending, including any identifying marks.

Ask about the company’s guarantee if you are not satisfied with the price offered. Can you get your product back, if you return the chek? Many companies melt down the items in 10–14 days. If you send the cheque back, send it “return receipt requested,” so you have proof when it arrived at the company.

Grandparent Scam just got scarier

8/3/2011

Posted on 8/3/2011 by

The BBB is issuing a RED ALERT regarding a new twist on the Grandparent Scam that involves the caller already knowing detailed information regarding family members. In addition, the calls are not targeted strictly at seniors and the money requested is to be wired to Mexico.

At least six complaints from Central Valley victims of the new scam have been received in the last two weeks.

The original scam generally worked like this--the grandparent receives a distressed phone call from who they believe is their grandchild. The supposed grandchild typically explains that they are travelling in Canada and have been arrested or involved in an auto accident and need the grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars.

The scammers’ basic tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks. For example, the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

In the updated scam, callers identify themselves by specific name as a particular family member. They say they are being held in jail in Mexico and they need bail money wired immediately. They lace their conversation with correct references by name to other family members, increasing their credibility. One caller even knew that the real person being impersonated had a twin who was born two minutes later.

The victims are not related and reside in different communities throughout the Central Valley. Law enforcement officials contacted by the BBB are not certain how perpetrators are obtaining the inside knowledge or phone numbers for victims.

Victims of this scam are encouraged to come forward and file complaints as part of an ongoing investigation with the BBB at www.cencal.bbb.org or 800-675-8118, ext. 330.

Victims should also file a complaint with the FBI. Northern Valley residents should contact Herbert Brown, Special Agent in Charge, in Sacramento at 916-481-9110. Southern Valley victims should contact Steven Martinez, Los Angeles FBI Assistant Director in Charge, at 310-477-6565.

To protect themselves from this scam, and other scams that may use a distressed loved-one tactic, BBB is advising people to remain calm and confirm the status of the individual by calling them back directly or verifying the story with other family members before taking any further action. Developing a secret code that is known only within the family is also recommended.

The BBB also encourages people to limit the amount of personal information shared on social media sites and to only “friend” people they personally know themselves.

Don’t let high gasoline prices leave you fuming

8/2/2011

Posted on 8/2/2011 by

Gasoline prices have risen well above $4.00 a gallon in most every state across the country. The average U.S. family with two drivers is now paying nearly $1,000 more annually for gas than they were just two years ago according to a recent study by research gurus, Sperling's BestPlaces. Although there are practical steps you can take to increase gas mileage, the Better Business Bureau warns consumers to be wary of gas-saving claims that empty your wallet, instead of saving you fuel.

“Summer travelers should shop around. Nowadays, many smartphones have apps specifically for finding the cheapest gas prices in your area,” said Blair Looney, president and CEO of the Better Business Bureau. “You may even want to consider getting a credit card that gives you cash back bonuses on gas purchases.”

Many websites make unbelievable claims for various after-market automotive devices (fuel-line magnets, air bleed devices and retrofit gadgets) and oil and gasoline additives that supposedly increase gas mileage for automobiles. The Federal Trade Commission found many of these claims to be either false or overly exaggerated.

Before adding any fuel savings device to your vehicle, check with your mechanic. You may end up with a voided manufacturer’s warranty and serious engine problems by adding after-market devices to your engine.

What you spend at the pump is influenced by how you drive and what type of gasoline you use to fill your tank. As we reach the peak of summer travel, here are some tips on what you can do to save fuel consumption:

Be choosy. Check your owner’s manual to find out what octane your car requires. Keep in mind that the higher the octane, the higher the price.

Also, take a minute and check before you pump next time. Many stations have returned to dual-pricing rates, with one price for cash and one price for credit. Unfortunately, not all stations display both prices in the same size signage. If you are using a card that is both a debit and credit card, always make sure you hit “debit” BEFORE you slide your card. This simple action could save you up to 10 cents per gallon!

Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car’s condition. Follow the recommended maintenance schedule in your owner’s manual; you will save fuel and your car will run better and last longer.

Don’t let your engine run at idle any longer than necessary. An engine actually warms up faster while driving. With most gasoline engines, it is more efficient to turn off the engine than to idle for any period longer than 30 seconds.

Drive more efficiently. Stay within the posted speed limits. The faster you drive the more fuel you use. Set your cruise control on highway trips. This can help maintain a constant speed and, in most cases, reduce your fuel consumption.

Keep your tires properly inflated and aligned. Automobile manufacturers must place a label in the car stating the correct tire pressure. If the label lists a psi (pounds per square inch) range, use the higher number to maximize your fuel efficiency.

Anticipate driving conditions. Driving smoothly and steadily makes the best use of your fuel. If you can, avoid sudden acceleration or braking.

Change your oil and replace air filters regularly. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. Your air filter keeps impurities in the air from damaging internal engine components.

BBB spearheads a healthier future for kids

7/15/2011

Posted on 7/15/2011 by

The BBB recently announced that the face of kid-focused food will soon be changing.

The Children’s Food and Beverage Advertising Initiative (CFBAI), a program of the Council of Better Business Bureaus, has developed a groundbreaking agreement that will change what is advertised to kids by the nation’s largest food and beverage companies.

For the first time, these food and beverage companies, who do the vast majority of advertising to children, will follow uniform nutrition criteria for foods advertised to children.

“The new nutritional guidelines are a much-needed addition for our processed food supplies,” said Blair Looney, president and CEO of the BBB serving the Central Valley. “But it is also an important nutritional reminder that Valley businesses produce the best fresh fruits and vegetables available and now is a great time to add them to our diets.”

These uniform nutrition criteria, designed by CFBAI and top food industry scientists and nutritionists, will further strengthen voluntary efforts to change child-directed food advertising. Approximately one in three products currently advertised to kids do not meet the new nutrition criteria.

While individual companies already have strong nutrition criteria for the products they advertise, the new uniform nutrition criteria will require many companies to change the recipes of these products or they will not be able to advertise them after December 31, 2013. The new criteria encourage the development of new products with less sodium, saturated fat and sugars, and fewer calories.

The ten product categories are: juices; dairy products; grains, fruits and vegetable products; soups and meal sauces; seeds, nuts, nut butters and spreads; meat, fish and poultry products; mixed dishes; main dishes and entrees; small meals; and meals. Each category has its own set of criteria, such as:

Juices. For juices, no added sugars are permitted, and the serving must contain no more than 160 calories.
Dairy. This category includes products such as milk and yogurt. For ready to drink flavored milk, an 8 fluid ounce portion is limited to 24 grams (g) of total sugars. For yogurt products, a 6 ounce portion is limited to 170 calories and 23 grams of total sugars. These sugars criteria include both naturally-occurring and sugars added for flavoring.
Grains, fruits and vegetable products (and items not in other categories). This category includes products such as cereals, crackers and cereal bars. Foods with ≤ 150 calories, such as most children’s breakfast cereals, must contain no more than 1.5 g of saturated fat, 290 milligrams (mg) of sodium and 10 g of sugar (products with > 150−200 calories get proportionately higher limits). Foods in this category also must provide ≥ ½ serving of foods to encourage (fruits, vegetables, non- or low-fat dairy, and whole grains) or ≥ 10% of the Daily Value of an essential nutrient.
Seeds, nuts, nut butters and spreads. Foods in this category, which includes peanut butters, must have no more than 220 calories, 3.5 g of saturated fat, 240 mg of sodium and 4 g of sugar per 2 tablespoons. Foods in this category also must provide at least one ounce of protein equivalent.
Main dishes and entrees. Foods in this category, such as canned pastas, must have no more than 350 calories, 10 percent calories from saturated fat, 600 mg of sodium and 15 g of sugar per serving. Foods in this category also must provide either ≥ 1 serving of foods to encourage or ≥ ½ serving of foods to encourage and ≥ 10% of the Daily Value of two essential nutrients.

BBB urges caution with utility companies

7/7/2011

Posted on 7/7/2011 by

BBB reminds businesses to check before supplying company information

The BBB is hearing from businesses that have been approached by individuals claiming to be representatives of PG&E and offering to lower their utility bills.

The people actually represent alternative energy suppliers that may or may not be able to reduce the utility expenses for a business.

Businesses should always ask to see identification when approached by anyone claiming to represent PG&E or any other company.

California law says you can switch from PG&E and choose an alternative provider of natural gas.

In addition, Direct Access Service is an optional service that allows customers to purchase electric supplies and additional energy services from a competitive Energy Service Provider (ESP), rather than from Pacific Gas and Electric Company.

Although customers will purchase their electricity from an ESP under direct access service, Pacific Gas and Electric Company will continue to deliver the electricity through its transmission and distribution systems. It is possible that customers could continue to receive a monthly bill from PG&E.

There is no guarantee that alternative services will cost less than PG&E. It is up to each business owner to evaluate the programs and services offered and make their own determination.

A list of approved alternative energy suppliers can be found at www.pge.com.

SCAM WATCH: Immigration document scams hurt those trying to do the right thing

6/20/2011

Posted on 6/20/2011 by

We often forget just what it means to have driver’s license and social security card. Unfortunately, the scammers of the world haven’t forgotten.

A rapidly growing area of fraud in the U.S. involves taking advantage of those needing help with immigration processes. The U.S. Departments of Justice, Homeland Security and the Federal Trade Commission recently announced their initiative to fight immigration services scams.

The common thread in this type of fraud involves the unauthorized practice of immigration law. Whenever the BBB is represented on Spanish-language media stations, for example, numerous calls are received from listeners and viewers who repeat stories of being victimized by people claiming that they were authorized to provide immigration and naturalization services; that they were affiliated with the U.S. government; and that the fees paid by consumers would cover all the costs associated with submitting immigration documents to the proper U.S. agencies.

Callers, however, are reluctant to file complaints against the scammers for fear of being noticed by actual immigration authorities.

“Communities of non-English speaking people are always at a higher risk for being targets of scams,” said Blair Looney, president and CEO of the BBB serving Central California. “Victims of immigration services scams face a huge loss of time and money and many increase their risk of being detained or deported by U.S. officials.”

The BBB advises consumers to follow these tips provided by the FTC to avoid becoming a victim of immigration services scams:

Don't go to a notario, notario público, or a notary public for legal advice. In the U.S., notarios are not lawyers: they can't give you legal advice or talk to government agencies for you, like the US Citizenship and Immigration Service (USCIS) or the Board of Immigration Appeals (BIA). A notary public doesn't have to be a lawyer either, and is not allowed to give you legal advice.
Never pay for blank government forms. Government forms are free, though you'll probably have to pay when you submit them to USCIS. You can get free immigration forms at www.uscis.gov/forms, by calling USCIS at 1-800-870-3676, or by visiting your local USCIS office.
Get immigration information from U.S. government websites. Some scammers set up websites that look like they are run by the government, but they aren't. Make sure that the website that looks like a government site is a dot gov (.gov). That means it is from the U.S. government.
Don't let anyone keep your original documents, like your birth certificate or passport. Scammers may keep them until you pay to get them back.
Never sign a form before it has been filled out, or a form that has false information in it. Never sign a document that you don't understand.
Keep a copy of every form that you submit, as well as every letter from the government about your application or petition.
You will get a receipt from USCIS when you turn in your paperwork. Keep it! It proves that USCIS received your application or petition. You will need the receipt to check on the status of your application, so be sure you get a copy.

Visit www.ftc.gov for more information.

A Blissful Day Begins With The BBB

6/7/2011

Posted on 6/7/2011 by
It’s June and 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, the BBB nationwide received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Blair Looney, president and CEO of the BBB. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company’s Business Review and grade with the 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.cencal.bbb.org.

BBB issues warning about suspicious local ad sales in Central Valley communities

6/7/2011

Posted on 6/7/2011 by

The BBB is issuing a warning to local businesses and parents about advertisers moving throughout the country and now soliciting in the Central Valley.

The advertising company contacts small business owners saying they are selling advertising space on local high school athletic posters, calendars and magnetized city guides.

Ossian Enterprises, which also operates under the names American Publishing, AM Publishing, Ads Sports and Communities Unlimited, has several unanswered complaints with the BBB in Davenport, IA. The business in the process of responding to five complaints previously closed with no response.

Names for the advertising agents include Mike Bruce, Mike Lugo and Chavaras Trice.

Communities Unlimited sent solicitations to businesses in the Chowchilla area, prompting the Chowchilla Chamber to issue an alert that neither they nor the City of Chowchilla are sponsoring the “2011 City of Chowchilla Area Magnetized Information Guide.”

A Bakersfield company also received a call from a Crystal McVay regarding this sort of advertising for a local high school in Bakersfield. The school has verified they are not currently soliciting ads for this type of poster.

BBB staff directly received unsolicited emails for a 2011 City of Hanford Area Magnetized Information Guide from Communities Unlimited and for Hanford High School Football 2011 Schedule Posters from AM Publishing. The Hanford Chamber of Commerce said they have not commissioned the City Guide and Hanford High School’s Athletic Department said they do publish a Football Schedule poster but not with AM Publishing. The Booster Club for Hanford High School also said they were not doing business with the company.

If you receive such an offer you should verify with the school, city or Chamber that appears to be sponsoring the promotion that they are, indeed, publishing such a calendar with the company. Be sure to ask how many of the publications are being produced, where they will be distributed and who will benefit from your sponsorship.

BBB joins forces with Capital One Financial Corp. to offer free business resources

6/7/2011

Posted on 6/7/2011 by

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 Blair Looney, president and CEO of the BBB. “Regularly examining your business’s finances, including how and why you use credit, is important. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

Most small business owners understand the need to manage credit effectively, however there is no “one size fits all” model of how to do it. Managing Credit – Made Simpler provides a clear set of guidelines that will help them make wise decisions on their small business credit and identify strategies to help small business owners take charge of their business’s financial condition.

“Used wisely, credit can be an invaluable tool. Small-business credit cards can provide much-needed cash flow, and many business cards offer special record-keeping resources and valuable rewards programs that really make a difference,” said Rajsaday Dutt, Sr. Director, Capital One’s Small Business Card division. “Armed with basic information about credit, including understanding of card agreements and knowing what's expected of business cardholders, small business owners can make better choices about how they’re using their cards. Our goal is to empower small business owners to take control of their finances and benefit from card features that can really work for their business.”

The new guide, Managing Credit — Made Simpler: Small Businesses, is available at www.bbb.org/credit-management and includes practical advice and checklists to help small business owners choose the right type of card to meet their business needs. The guide outlines some of the most common features, benefits, and issues to consider before choosing a card, including:

Expense tracking. Most business cards provide expense reports that are divided into categories and make it easy to track your spending and report expenses for your taxes. You may be able to import the information into your accounting and tax software.
Higher limits. A business credit card may offer higher spending limits than a personal card, which can help with monthly cash flow. It is also important to separate your business from your personal expenses to simplify reporting.
Cards for employees. Many business cards allow multiple employee cards on your account with pre-set spending limits, which helps build business credibility and simplifies expense tracking and travel reimbursement.
Helps build your business credit record. A good history managing a business credit card can help you build your business credit record and improve your profile when applying for a business loan and line of credit.
Added protection. A business credit card may also provide travel insurance and auto rental insurance for you and your employees.
Special perks. The business card may offer airport lounge memberships, concierge services, and other special benefits.
Extra benefits. Most business cards offer rewards programs or cash rebates.

BBB and Capital One created Managing Credit – Made Simpler to give customized credit management guidance to different types of credit users, based on their specific needs and perspectives. Small business owners will now have a variety of topics to choose from that will all cater to the needs of running a successful small business. Topics include strategies to pay off balances faster, choosing the right kind of card for your business, how to improve a business’s credit score, strategies to leverage cash and credit, and fraud prevention guidelines.

All of the resources and guidance made available through Managing Credit – Made Simpler can be found online for free at www.bbb.org/credit-management/.

BBB tips for taking the right turn when learning to drive

6/7/2011

Posted on 6/7/2011 by

It’s almost summer, one of the most popular seasons for driver’s training.

In California, driving schools are required to be licensed and instructors are required to have a DMV Occupational License as well as specific training in the teaching techniques. In addition, instructors must be 21 or older and have no felony or morals convictions.

According to the DMV web site (http://www.dmv.ca.gov/pubs/brochures/fast_facts/ffdl33.htm),

California law requires a person under the age of 18 to complete the following driver education and driver training courses:

25 hours of classroom instruction (not including breaks or time for meals), or home study or Internet training program (must be equivalent to classroom instruction requirements). As part of the education, students will view 100 minutes of video/dvd footage of traffic and driving situations
6 hours of Behind-the-Wheel training
50 hours of supervised driving practice that includes 10 hours of driving during darkness

Your BBB recommends taking the following steps when choosing a driving school in your area:

For information on driving schools in your area, start your search at www.cencal.bbb.org for a free BBB Business Review that will help you make informed decisions.

Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well.

Visit the driving school. Ask to see classrooms and if you could observe part of a course. Ask to see the course book.

Find out if the school has a policy on make-up classes and refunds.

Your best bet for locating a school is to ask friends whose teens have recently gone through driver’s education and training. Remember, budgets are always important considerations but this is one time when you want to get the best instruction, not necessarily the least expensive.

Always visit the driving school facility to check on the cleanliness and condition of the training vehicles. Ask to see their license. Talk to the instructor who will actually be doing the teaching. If you don’t feel comfortable with them, it might be a good idea to move on and check another school.

Finally, don’t forget to check with your insurance agent to see what discounts the company offers for new drivers and what your child needs to do to qualify for them.

BBB tips for small businesses during national Small Business Week

5/23/2011

Posted on 5/23/2011 by

BBB tips for small businesses during national Small Business Week

[May 17, 2011]—In recognition of Small Business Week, the Better Business Bureau (BBB) is reminding businesses of simple things they can do to protect themselves from potential scammers.

Always read the fine print. Read all documents carefully before you sign them, including the small print usually found at the end of the document. There have been several instances of advertising directories sending bills to people who don’t return them thinking that will cancel the advertising. Unfortunately, the fine print clearly states the contract will automatically renew unless cancelled in writing.

Empower your staff to ask questions. Encourage your staff to pay attention to people saying they are at your establishment for a service call. Keep a list at the front register or someplace easily accessible that details all the legitimate service dealers you work with, such as the name of your copy machine company, your phone service provider, computer service, etc. Let your employees know that they have the right to ask to see documentation and identification if someone comes in claiming to be a service provider, even if they appear be in a service uniform or try to intimidate them by claiming the service has to be performed by law. Provide a back-up number that employees can call to alert you to questionable service requests.

Recent scammers, claiming to be service providers for fire extinguishers and alarms, have gone into businesses in what appears to be a uniform and said they were there to provide an annual service. If the employee did question the fact that they weren’t the regular service provider, the scammers said they had recently bought out the old provider and the service was required by law.

Guard your business identity as closely as your personal identity. If you don’t have a regular professional shredding service, be sure you invest in a quality cross-cut shredder and shred all unnecessary materials listing your business name and any identification or account numbers. Put the shredded materials into a plastic bag daily and pour a small amount of water into the bag to “mess” up the shredded material.

Again, educate your employees never to give out account information or even first names of employees without permission from management. One trick scammers frequently use is to say authoritatively, “Can you just verify your account information for security purposes?” Another favorite trick to obtain personnel names is to say, “Your accounts payable person…I can’t remember the name…said it was okay.” Natural human reaction is to supply the name and that makes it easy for the scammer to call back with a name and title to request account or financial information.

Check your financial statements regularly to monitor check withdrawals. Scammers are getting more and more sophisticated when it comes to copying business checks, including watermarks. Make sure that all checks drawn against your account were actually issued by your business.

Post scam alerts where your employees will easily be able to see them.

Your BBB regularly sends businesses scam alerts by e-mail and fax. Post these where your employees can readily access them and talk to them about what is going on with current business scams.

Got questions? Check with the BBB.

If you get a suspicious mailing, receive a questionable phone call or don’t feel right about someone saying they are there to provide service, call your BBB at 800-675-8118.

Bin Landen Scam

5/11/2011

Posted on 5/11/2011 by

In the aftermath of the death of Osama Bin Laden this past weekend, your Better Business Bureau is warning consumers to watch out for a slew of cyber-scams that have popped up in the past few days.

According to Kaspersky Labs, an Internet security firm, malicious Web sites and links have been proliferating on Google Images search, 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 will 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 should also be very wary of links to Osama related Web sites that they find on Twitter, or any link with a URL that leads to an unfamiliar webpage. Often these links will lead consumers to Web sites with viruses, or forms that encourage consumers to enter personal information, which can be used to steal their identity, or for phishing scams.

BBB Tips:

· 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.

· Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or Web site 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.

· If you you’re unsure if an offer or a Web site is legitimate, contact BBB at 800-675-8118.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit www.cencal.bbb.org.

BBB announces winners of Southern Central Valley 2011 Ethics Awards for Marketplace Excellence

5/5/2011

Posted on 5/5/2011 by

The BBB serving Central California is pleased to announce that Bakersfield companies With Love Photography and Oasis Air Conditioning, Inc. along with the McDonalds serving Bishop, Lone Pine and Mammoth have been selected as the winners of the 2011 Ethics Awards for Marketplace Excellence for the Southern Central Valley.

The companies officially received their awards at a recognition lunch on May 4 at The Petroleum Club, located at 5060 California Avenue in Bakersfield. Guest speaker John Arthur, vice president and executive editor of The Bakersfield Californian, shared his thoughts on the role of ethics in today’s media marketplace.

The Ethics Awards is BBB's annual award program that honors outstanding local for-profit companies that have demonstrated a commitment to ethical business practices, both in operations and in terms of integrity, reliability and responsiveness to employees, vendors and customers.

“The BBB Ethics Award is the symbol of the highest ethical standards a business can have,” said Blair Looney, CEO and president of the BBB. “We are proud to recognize these Valley companies for their continued commitment to quality, ethics and outstanding customer service.”

Each year, businesses are entered in local award competitions conducted by BBB’s in every region of the country. The winning entries from the Central California competition are then forwarded to the Council of Better Business Bureaus, the parent organization for the BBB network, for an international competition.

In 2010, both Willey Tile and Spherion were honored at the local level. Willey Tile Company was named as a finalist for the 2010 International Torch Awards, one of 18 companies being honored from around the United States and Canada.

BBB announces winners of Northern Central Valley 2011 Ethics Awards for Marketplace Excellence

4/29/2011

Posted on 4/29/2011 by

The BBB serving Central California recently awarded the 2011 Ethics Awards for Marketplace Excellence to Fresno companies Fresno Lexus and Felix Haro Construction along with Los Banos-based A & A All Pro Auto Repair.

The companies officially received their awards at a recognition lunch on April 27 at Pardini’s Banquet Facility.

Office of Administrative Law Approves CSLB Fee Increase

4/13/2011

Posted on 4/13/2011 by

Contractors State License Board (CSLB) application, licensing and registration fees transition to a new schedule on July 1, 2011, following action taken by the state Office of Administrative Law (OAL) in 2010. CSLB fees had remained the same since 1993. OAL approved increases that would represent the statutory maximum that was set by the Legislature in 2002 in response to the Enforcement Monitor report that called for increased resources for CSLB’s enforcement program. The increase will help assure that CSLB is able to uphold its mandated protection of California consumers and the integrity of the construction industry.


Fee	Current Amount	New Amount	Increase	% Increase
Application for Original Contractor License	$250.00	$300.00	$50.00	20%
Application to Add a Supplemental Classification or to Replace the Responsible Managing Officer or Employee on an Existing License	$50.00	$75.00	$25.00	50%
Rescheduling an Examination	$50.00	$60.00	$10.00	20%
Initial License Fee	$150.00	$180.00	$30.00	20%
Renewal - Contractor License (Biennial)	$300.00	$360.00	$60.00	20%
Renewal - 4-Year Inactive License	$150.00	$180.00	$30.00	20%
Reactivate Contractor License	$300.00	$360.00	$60.00	20%
Home Improvement Salesperson (HIS) Registration Fee	$50.00	$75.00	$25.00	50%
Asbestos Certification Fee	$50.00	$75.00	$25.00	50%
Hazardous Substance Removal Certificate	$50.00	$75.00	$25.00	50%
Delinquent Renewal - Contactor License /1	$150.00	$180.00	$30.00	20%
Delinquent Renewal - 4-Year Inactive License /1	$75.00	$90.00	$15.00	20%
Delinquent Renewal - HIS Registration /1	$25.00	$37.50	$12.50	50%

/1 Delinquent renewal fees are not included in the proposed regulation because B&P Code Section 7137 (f) sets the delinquency fee as a percentage of the applicable renewal fee: “The delinquency fee is an amount equal to 50 percent of the renewal fee, if the license is renewed after its expiration.”

BBB Warns Of Scams Spawned By Epsilon Data Breach

4/13/2011

Posted on 4/13/2011 by

Just days after millions of email addresses were stolen from Epsilon, a major email serving firm, the Better Business Bureau (BBB) is seeing one of the first phishing scams derived from the breach.

Phishing scammers pose as reputable companies to fraudulently obtain your personal information such as logins, passwords, credit card information or account numbers. If you are a customer of one of the companies that had email data stolen, the BBB is warning you to be on the lookout for phishing emails.

“These hackers want you to hand over vital information that can ultimately lead to identity theft,” said Blair Looney, BBB president and CEO serving Central California. “Consumers need to know the red flags to keep their identity protected.”

In this case, the BBB is seeing emails being sent from a fake 'Chase Bank,' one of the companies whose data was compromised. The email warns that ‘your account’ will be deactivated or deleted if you do not update your profile immediately. The email instructs you to click on a link to update your information.

The BBB believes there could be other phishing emails shooting through cyberspace. The following tips can help consumers confronted with phishing scams.

Never reply to unsolicited emails. If the message includes a link within it, never click it. Many schemers use this as way to spread a viral attack on your computer.
Do not give personal or financial information to anyone who contacts you via email. Your bank, the IRS or a law enforcement agency will not contact you by email. They will send you a letter.
Spread the word. Discuss phishing scams with all family members who have email addresses. Young people may be computer savvy, but not scam savvy. Older adults often are targeted by scammers, too.
Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address.
Know the red flags. Poor grammar or misspelled words are red flags that the email is probably a scam. Most importantly, never wire money based on instructions in one of these suspicious emails. Scammers prey on those who think they need to wire money to have a situation resolved.
Protect your computer. Keep your antivirus software up to date and run it regularly.

For more tips on protecting yourself from fraud, go to www.bbb.org or call 1.800.675.8118.

THE MCGRAW-HILL COMPANIES AND BETTER BUSINESS BUREAU'S MILITARY LINE

4/12/2011

Posted on 4/12/2011 by

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."

Sun, Fun and Scams

4/12/2011

Posted on 4/12/2011 by

The old adage is that a picture is worth 1000 words, and surely a word like summertime elicits even more than that. Palm trees, sandy beaches, cut-off shorts, kids running out of school throwing papers into the air, and, of course, condo rentals and timeshares in exclusive vacation spots.

Buying a vacation home, though tempting, isn’t an attainable option for most people. While in a poor economy, people look for affordable options for vacations, and timeshares are often one of those avenues. Buying a vacation timeshare is a cheaper alternative that thousands and thousands of people take advantage of each year.

The problem: Timeshares do allow you to escape some of the big expenses of owning another property, but, despite common belief, owning a timeshare is in no way like renting a hotel.

Timeshares often include mortgage payments and other expenses, like property taxes, maintenance fees (which can rise on a yearly basis), closing costs and travel expenditures, just to name a few. The BBB suggests taking these tips into consideration before buying a timeshare or vacation interval.

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

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

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

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

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

To stay up to date on the latest consumer alerts, visit www.cencal.bbb.org/bbb-news or call 1.800.675.8118.

BBB Warns Against Online Ads for E-Cigarettes

4/11/2011

Posted on 4/11/2011 by
The Better Business Bureau is warning consumers to be wary of free trial offers for e-cigarettes. Sounds like an unusual product to buy, however, over the past twelve months, BBB has received hundreds of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

Ubiquitous deceptive online websites for said “free trials” are even falsely attributing news stations like ABC and CBS to the promotion of their products.

"Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Blair Looney CEO of Better Business Bureau of Central California “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. More than 40 of those complaints came from Missouri and Illinois, including several from the St. Louis area. According to the BBB of E. Missouri & S. Illinois, in response to some of the complaints, Direct E-Cig told the BBB that its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy, while some have even reported paying $4.95 for the trial offer only to be billed more than $100 unknowingly.

Another scam to note is Smoke Freely, LLC, which has an F rating with BBB. According to the more than 300 complaints to the BBB serving Central, Northern and Western Arizona, the company lures in its customers by claiming that they will receive a free trial of smokeless cigarettes just by paying the shipping and handling costs. However, consumer complainants say that after agreeing to pay the $9.95 shipping and handling costs, they were repeatedly charged $149.90 along with a variety of other miscellaneous charges. Complainants report getting the runaround from the company when they request refunds or ask to stop being billed; one consumer claims to have lost more than $640 as a result of recurring charges.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Looney.

BBB, along with the Federal Trade Commission, suggest you ask the following questions before signing up for a free trial:

Is the free trial offer related to a membership, subscription or extended service contract?
Do I have to contact the company to avoid receiving more merchandise or services?
Who do I contact to cancel?
Will I receive other products with the free item? If so, will I have to pay for them or send them back if I do not want them? How long do I have to decide before incurring a charge?
Is there a membership fee? If so, is it refundable?
Will you automatically bill my credit card for anything?
Who is offering the trial – you or another company? What is the name and address of the company?

Additional advice on signing up for free trial offers is available at www.bbb.org/us/article/free-trial-offers--are-they-good-deals-425. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB at www.bbb.org.

BBB Urges Consumers to Make Smart Solar Energy Investments

4/11/2011

Posted on 4/11/2011 by

With warm weather approaching and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be wary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Blair Looney CEO of the Better Business Bureau serving Central California. “It pays to look beyond the lowest bid when selecting a contractor.”

BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50% on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org.

BBB tips for dealing with the Epsilon security breach

4/5/2011

Posted on 4/5/2011 by

The world's largest permission-based email marketing service, Epsilon, reported a breach in its security last week.

So far, the biggest problem is that users have had their email addresses exposed in the breach. The list of companies affected keeps growing and so far includes:

TiVo
Kroger
JPMorgan Chase
Capital One
Citi
Walgreens
LL Bean
Target

Here are some tips of what to do if you receive an unsolicited email.

• If the email is supposedly from your financial institution, contact them by phone or separate email to determine if they are trying to contact you.

• Open a new browser window and visit the website that supposedly sent the email. Make sure it is promoting the same offer in the email.

• Put your mouse over the link in the email and look at the lower left corner of the screen to make sure the domain name matches the company that is allegedly sending the email.

• If the link must be clicked, it should still show the same domain name. If it doesn’t, and it asks for your financial information such as bank account number, social security number, etc. Do not provide it. If the link has a different domain name, it may be trying to infect your computer with a virus.

• Keep your security software up to date.

• Most importantly, avoid clicking on any links or opening attachments from unsolicited emails.

BBB Director named to board of the Association for Conflict Resolution

3/25/2011

Posted on 3/25/2011 by

The BBB serving Central California today announced that Liz Garvin, director of Mediation Services, has been named to the Board of Directors for the Association for Conflict Resolution (ACR), Central California Chapter.

The Association for Conflict Resolution (ACR) is a professional organization enhancing the practice and public understanding of conflict resolution and is the nation’s largest professional association for mediators, arbitrators, educators and other conflict resolution practitioners.

Garvin joined the BBB in 2007. She holds a Bachelors Degree in Communication Studies from California State University, Sacramento as well as a Masters Degree in Christian Ministry from Mennonite Brethren Bible Seminary. In addition, she has a Basic Institute in Conflict Management and Mediation certificate from the Center for Peacemaking at Fresno Pacific University. Garvin also holds two certificates in Advanced Mediation training; these include Personal Injury Auto and Personal Injury (non-auto) awarded by San Joaquin College of Law, Fresno Pacific University and the Better Business Bureau. She has also been trained at Pepperdine University School of Law in Advanced Family Mediation.

The Better Business Bureau serving Central California provides free mediation services in Fresno, Kern and Tulare counties. Check www. bbbmediation.org for more information.

###

BBB encourages safety first when cleaning up after winter storms

3/25/2011

Posted on 3/25/2011 by

The repeated winter storms that have been washing over the Central Valley have left considerable damage in their path. But before you begin your storm clean-up preparations, the BBB urges you to use caution when planning any repairs.

“All clean-up and repair projects should begin with a careful assessment of what you can and cannot do yourself,” said Blair Looney, CEO of the BBB. “Downed power lines, piles of wet slippery leaves and loose gutters or tiles are just a few of the hazards facing both businesses and home-dwellers.”

If you have broken tree limbs in the location of power lines, it might be wise to first have your local utility company investigate to make sure there aren’t any power hazards in the way of removing the limbs and debris.

Look before you position your ladder to look at gutters or roofs. Be sure the ground is dry and clean under the ladder to ensure the best possible stability for safe climbing. Don’t use gutters as a hand-hold to help you in your climb. Avoid reaching farther than the end of your arm.

Before beginning your repairs, make a total assessment of what needs to be done and then prioritize your projects. If you need to hire someone to help you, free work quotes are available from the BBB’s Request-A-Quote program at bbb.org.

If you decide to hire a handyman to help make needed repairs, be sure to check before you make any agreements. If the repairs will cost more than $500, the repairman must be licensed with the California State Licensing Board (www.cslb.ca.gov) to ensure they’re knowledgeable in their field, bonded and have the proper insurance coverage, if required. Be sure to check both the license and the BBB Business Review for the company to make sure they are reliable.

It’s also a good idea to check on the company or individual if the repairs are under $500 to see if there are outstanding complaints.

The BBB warns consumers of consequences that may linger when using a non-licensed contractor. Non-licensed contractors do not meet the state requirements. They don’t register with the state, making it easier for them to get away with messy jobs or not completing your project.

These companies have no Contractor’s Bond. Without a bond, consumers are responsible for supplies the contractor neglects to pay for. Suppliers may even place a lien on the consumer’s home until the balance of on the supply account has been paid.

Non-licensed contractors do not participate in California’s Workers Compensation system. If a worker is injured on the consumer’s property, the consumer is responsible for unpaid medical bills. A lien may also be placed on the consumer’s home if they refuse to pay the medical expenses.

Remember, contractors are allowed to collect only 10 percent or $1,000 (whichever is less) of the total contract as a deposit.

This is also the season when advertising flyers for general clean-up and hauling advertising ‘the lowest prices in town’ start appearing in mailboxes, screen doors and on porches. Again, you need to remember the $500 rule and ask for references that you actually check before putting your home in a stranger’s hands.

BBB encourages safety first when cleaning up after winter storms

3/24/2011

Posted on 3/24/2011 by

BBB encourages safety first when cleaning up after winter storms

3/24/2011

Posted on 3/24/2011 by

Marketing Green for Earth Day? What FTC’s Green Guides Mean for Your Business

3/18/2011

Posted on 3/18/2011 by

Marketing Green for Earth Day? What FTC’s Green Guides Mean for Your Business

In the run-up to Earth Day, April 22, marketers who are only starting to examine green marketing strategies may want to make a careful review of the Federal Trade Commission’s proposed revisions to its Green Guides.

The CBBB’s National Advertising Division gives great weight to the Guides in evaluating whether environmental claims are adequately substantiated. Last revised in 1998, the revised Green Guides provide clarification of environmental claims and also include new sections for claims not previously addressed, such as claims about the use of renewable materials, renewable energy and carbon offsets. Here are some of the key revisions.

· Marketers should not make unqualified general environmental benefit claims such as “green” or “eco-friendly”. According to the Guides, these claims are difficult, if not impossible, to substantiate.

· Seals and Certifications are considered “endorsements.” This means that marketers may need to disclose any material connections with the certifier. Third-party certification does not eliminate a marketer’s obligation to have substantiation for its claims.

· An unqualified claim that a product or package is biodegradable means that it will completely decompose is no more than one year after customary disposal. Marketers should not make unqualified degradable claims for items destined for landfills.

· The Guides address claims of recyclability and introduce a three-tiered analysis for disclosing the limited availability of recycling programs.

· Marketers making “renewable energy” claims should specify the source of the renewable energy. If a company sells Renewable Energy Certificates (RECs) for the renewable energy they generate, should not represent that they use renewable energy.

· Marketers making “carbon offset” claims should disclose if the offset purchase funds emission reductions that will not occur for two years or longer.

The FTC has invited additional public comment on a number of issues, including a request for consumer perception evidence of how consumers interpret environmental claims when qualified by identifying a particular environmental attribute.

Companies also should be aware of how the Guides are applied by self-regulatory bodies such as the NAD. While it remains to be seen how aggressive FTC will be in its enforcement efforts, challenges to green marketing claims have been on the rise before NAD. In the past year, NAD has looked to the FTC Green Guides in addressing claims of biodegradability, renewable energy as well as general environmental benefit claims.

The Guides also remind advertisers that whether or not FTC has provided specific guidance on the use of terminology, advertisers are responsible to ensure that their claims – whether express or implied - are substantiated by competent and reliable scientific evidence. Advertisers should not lose sight of the fact that the truth and accuracy of green claims cannot typically be verified by consumers themselves. Accordingly the element of trust is essential for green marketers and brands to maintain credibility. While the FTC Guides provide a useful and important tool for marketers, it remains incumbent on companies to hold themselves and their industry to high standards of truth and accuracy.

Tips for Giving to Earthquake Relief Efforts in Japan

3/14/2011

Posted on 3/14/2011 by

– In the wake of the most powerful earthquake to ever hit Japan, many Americans want to help those impacted by the earthquake and the tsunami that followed. Your Better Business Bureau warns donors to exercise caution when making donations to relief agencies and charities.

As with every natural disaster, there are unscrupulous people who will attempt to take advantage of the public’s eagerness to help victims.

“In the face of any disaster, Americans will immediately step forward with donations to aid the victims and their families,” said Cindy Dudley, Director of Business Services of your BBB Serving Central California. “Unfortunately, we’ve seen time and time again that scammers will try to take advantage of the generosity of the public after a disaster; that’s why it’s so important to take your time and do your research before donating to relief efforts.”

Your BBB offers the advice for donors to ensure their donations go to trustworthy relief efforts.

Ø Before donating, visit www.bbb.org/charity to research organizations you’re considering supporting.

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

Ø Ask for written information about the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.

Ø Ask what the charity intends to do with any excess contributions remaining once they’ve fully funded the disaster relief activities mentioned in solicitations.

Ø Don’t give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.

Ø Beware fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.

Ø Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.

Ø Be wary of any charity that is inexperienced in carrying out relief efforts but is suddenly soliciting for aid in the wake of the earthquake and tsunami. Although well intentioned, they may not be able to quickly deliver aid to those in need.

Ø Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.

Ø Don’t give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.

Ø Make sure your contribution is tax deductible: donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on the IRS’ website for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

For additional information you can trust when making giving decisions, or to view BBB Wise Giving Reports on charities across the nation, start with bbb.org.

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Have you been on the bad end of an Internet transaction? If so, you’re not alone.

3/11/2011

Posted on 3/11/2011 by

Have you been on the bad end of an Internet transaction? If so, you’re not alone.

According to the 2010 Internet Crime Complaint Center Report, nondelivery or nonpayment of merchandise ordered online accounted for 20.5 percent of all complaints filed by Coloradans last year. The median loss per victim was $990. IC3 is a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.

Credit-card fraud and identity theft were second and third in the number of consumer complaints. Coloradans lost a total of $11.6 million in complaints reported to the IC3.

While it would be nice if all businesses and customers operated in a trustworthy and ethical fashion, the truth of the matter is, they don’t.

The onus is on you to be a smart consumer and to become educated in all facets of scams and fraud – many of which share the same red flags.

To help, the Better Business Bureau and other consumer groups are partnering with the U.S. Federal Trade Commission for National Consumer Protection Week, March 6-12.

Get everything in writing and always read the fine print.
Contracts, customer agreements and fine print protect the business and outline the terms of the agreement with the customer. While it’s natural to want to avoid reading the legalese, it’s important that customers understand their rights. Whenever signing a contract, your BBB recommends reading the fine print carefully. Also, don’t just take a sales associates’ word for it; get all verbal promises in writing.

Protect your identity — and your pocketbook.
Fighting identity theft means staying vigilant online and off. Protect your identity by taking the following steps:
• Always shred sensitive documents that include personal financial information such as bank, credit card and Social Security numbers.
• Monitor your financial accounts closely to more quickly detect suspicious activity.
• Make sure your computer has up-to-date antivirus software and be extremely selective when opening attachments or clicking on links in e-mails.
• Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.

Never wire money to someone you don’t know.
Many scams bilk victims by convincing them to wire money. The reasons for wiring money can vary and include mystery shopping, paying fees to win a lottery and — if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is the fact that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.

Know where to complain.
If you’ve been ripped off by a business, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:
• Your Better Business Bureau;
• Federal Trade Commission at ftc.gov; and
• Colorado Attorney General at coloradoattorneygeneral.gov.
If you’ve been ripped off by a scam online — such as a phishing e-mail or deceptive website — you can also file a complaint with the Internet Crime Complaint Center.

Always check businesses out with BBB.
Nearly 400,000 businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on websites and at business locations. However, the BBB doesn’t just report on accredited businesses. You can check out BBB Business Reviews for nearly 4 million businesses across the United States and Canada.

A BBB Business Review will tell you how many, if any, complaints the company has received, whether the company responds to complaints and much more.

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

3/11/2011

Posted on 3/11/2011 by

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

[March 8, 2011] – Everyone loves a good movie and with today’s movie theatre tickets costing more than ten bucks a pop (and that’s not even including the “pop”), many movie goers are opting to watch their favorite movies at home for free instead. “Free,” however, comes with a cost, a cost that many consumers don’t realize. The Better Business Bureau warns consumers against downloading “free” online movies.

According to researchers from cloud security provider Zscaler, movie sites like www.letmewatchthis.com, www.letbobwatchthis.com, and www.movie-source.org, all look harmless when in fact, they are luring consumers into a copyright infringement trap. Sites like these house hundreds of pirated movies and by downloading them onto your computer you are committing a copyright infringement.

“Consumers need to know the consequences of using such sites,” said Blair Looney, CEO and president of the BBB. “It is ultimately their responsibility to ensure that the files they are downloading and sharing are legal copies.”

According to the United States Copyright Office, an individual who uploads or downloads online movies that are protected by copyright law without the authority of the copyright owner can be subjected to copyright infringement violations. Such cases can be considered liable for statutory damages up to $30,000 for each work infringed. If infringement is found to be willful that amount can be increased up to $150,000 for each work infringed. In addition, according to the U.S. Department of Justice, the government can also criminally prosecute you for copyright infringement. Fines up to $250,000 and/or a five year prison sentence can result.

To avoid such risks, the Better Business Bureau recommends the following:

· Purchase all copyrighted works online using one of the many services that are authorized to sell copyrighted pieces. By doing so, you can avoid copyright infringement violations.

· When evaluating services to decide if they provide legal music and movie files, look for statements that say they have obtained the copyright permission of the artists or company representing the artists.

· Seek legal alternatives. The Recording Industry Association of America (RIAA) and the Motion Picture Association of America (MPAA) can provide a list of some of the more popular legal online media sources, including iTunes and YouTube.

· Be careful when downloading illegal digital files. Illegal downloading places your computer at high risk of receiving viruses.

To learn more about how to protect yourself from copyright infringement, visit www.bbb.org and www.cybercrime.gov sponsored by the U.S. Department of Justice.

The Better Business Bureau serving Central California provides free mediation services in Fresno, Kern and Tulare counties. Check www. bbbmediation.org for more information.

BBB reminds travelers to guard their credit card information

3/9/2011

Posted on 3/9/2011 by

BBB reminds travelers to guard their credit card information

The BBB warns people going on spring break vacations or just travelling in general to safeguard their credit card information from people claiming to work for the hotel where they are staying.

The “front desk scam” has been around since 2008, but it is still continuing and is especially popular during peak travel times.

The scam itself is simple and straightforward.

You arrive at your hotel and check in at the front desk. When checking in, you give the front desk your credit card (for all the charges for your room). You get to your room and settle in.

Someone calls the front desk and asked for Room 620, which happens to be your room. You answer and the person on the other end says 'This is the front desk. When checking in, we came cross a problem with your charge card information. Please re-read me your credit card number and verify the last 3 security digits on the reverse side of your charge card.'

Instead of the front desk, the caller is actually someone calling from outside the hotel/front desk.

Many larger hotels will not transfer a call to a room unless the caller can supply the name that matches with the room number. However, slick talkers have been known to slide past even the most attentive hotel operator, especially if they are busy at the moment.

If you ever encounter this problem on your vacation, tell the caller that you will go down to the front desk to clear up any problems. Then, go to the front desk and ask if there was a problem. If there was none, inform the manager of the hotel that someone called to scam you out of your credit card information by pretending to be a front desk employee.

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

3/9/2011

Posted on 3/9/2011 by

BBB Warns Consumers of the Cost of Watching “Free” Online Movies

To avoid such risks, the Better Business Bureau recommends the following:

· Purchase all copyrighted works online using one of the many services that are authorized to sell copyrighted pieces. By doing so, you can avoid copyright infringement violations.

· Be careful when downloading illegal digital files. Illegal downloading places your computer at high risk of receiving viruses.

To learn more about how to protect yourself from copyright infringement, visit www.bbb.org and www.cybercrime.gov sponsored by the U.S. Department of Justice.

The Better Business Bureau serving Central California provides free mediation services in Fresno, Kern and Tulare counties. Check www. bbbmediation.org for more information.

National Consumer Protection Week: BBB’s Top Five Tips to Become a Savvy Consumer

3/7/2011

Posted on 3/7/2011 by

National Consumer Protection Week: BBB’s Top Five Tips to Become a Savvy Consumer

National Consumer Protection Week, March 6-12, is an annual effort led by the US Federal Trade Commission to educate the public on how to use their money wisely. As a part of National Consumer Protection Week, BBB recommends five easy steps you can take to become a smart shopper and savvy consumer.

“In a tough economy, it’s more important than ever to protect the money you have from scammers and bad businesses,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “A few simple steps will go a long way to fighting off the common cons and rip-offs that steals millions from unsuspecting consumers every year.”

BBB recommends the five following tips to protect your wallet against scammers and unscrupulous businesses:

Get everything in writing and always read the fine print.

Contracts, customer agreements and fine print protect the business and outline the terms of the agreement with the customer. While it’s natural to want to avoid reading the legalese, it’s important that customers understand their rights. Whenever signing a contract, BBB recommends reading the fine print carefully—even if it means taking it home and sleeping on it. Also, don’t just take a sales associates’ word for it; get all verbal promises in writing.

Protect your identity—and your pocketbook.

Fighting identity theft means staying vigilant online and off. Protect your identity by taking the following steps:

Always shred sensitive documents that include personal financial information such as bank, credit card and Social Security numbers.
Monitor your financial accounts closely to more quickly detect suspicious activity.
Make sure your computer has up-to-date anti-virus software and be extremely selective when opening attachments or clicking on links in e-mails.
Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.

Never wire money to someone you don’t know.

Many scams bilk victims by convincing them to wire money. The reasons for wiring the money can vary and include mystery shopping, paying fees to win a lottery, and—if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is the fact that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.

Know where to complain.

If you’ve been ripped off by a business, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:

Your Better Business Bureau at www.bbb.org/us/file-complaint,
Federal Trade Commission at www.ftc.gov, and
Your state Attorney General or consumer protection bureau.

If you’ve been ripped off by a scam online—such as a phishing e-mail or deceptive website—you can also file a complaint with the Internet Crime Complaint Center at www.IC3.gov.

Always check businesses out with BBB.

Nearly 400,000 businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on websites and at business locations. However, BBB doesn’t just report on accredited businesses. You can check out BBB Business Reviews for nearly 4 million businesses across North America for free by visiting www.bbb.org/us/Find-Business-Reviews/. A BBB Business Review will tell you how many complaints the company has received, whether the company responds to complaints and much more.

For more advice on managing your money and avoiding scams, visit www.bbb.org/us/Consumer-Tips/.

Ten Questions to Ask Before Joining a Gym

3/7/2011

Posted on 3/7/2011 by

Ten Questions to Ask Before Joining a Gym

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

In 2009 alone, BBB received 7,787 complaints about gyms and health clubs, putting the industry in the top 20 for most complained about businesses. Not only does BBB receive a lot of complaints about gyms, but complaints increased by 21 percent in 2009 over the previous year.

“Regardless of how eager you are to start losing weight in the New Year, take the time to do your research before joining a gym and don’t give in to high-pressure sales pitches,” said Alison Southwick, BBB spokesperson. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

BBB recommends asking the gym and yourself the following 10 questions before signing up for a membership:

Questions to ask the gym:

What are the terms of any introductory offers?

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

Will my membership renew automatically?

Every year, BBB receives a large number of complaints from people who joined a gym and didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract?

Getting out of a gym contract isn’t always as easy as getting into one so make sure you understand what steps you would need to take to cancel your membership

What happens if I move?

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

What happens if you go out of business?

BBB often receives complaints from people after their gym suddenly closed up shop and took their money with them. Ask the gym to explain what will happen to your money if they suddenly go out of business.

Questions to ask yourself:

What are my fitness goals?

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

Is this location convenient?

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

Can I really afford this every month?

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

Am I feeling pressured to join?

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

Did I get everything in writing?

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

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

Do you know where your kids are…on the Internet? Keep your kids safe online by teaching them the seven stop signs

3/7/2011

Posted on 3/7/2011 by

Do you know where your kids are…on the Internet? Keep your kids safe online by teaching them the seven stop signs

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

Make the Right Call When Choosing Cell Phone Plan

2/16/2011

Posted on 2/16/2011 by

Feb. 10 has come and gone. You may not have noticed that the day was any different from any other, but millions of cell phone users would beg to differ. That’s because now they’re calling, texting and messaging via brand-new iPhones on the Verizon network.

Millions more are wondering what all the hullabaloo is about. It’s just a phone, right?

Yes and no. Cell phones are morphing into minicomputers capable of almost everything your laptop does. And like computers, it seems that as soon as you bring one home, it’s obsolete.

It’s enough to make even the savviest of consumers crazy.

To help you stay in touch, the BBB offers the following tips when choosing a cell-phone carrier:

Phones

Buy what’s right for you, not what’s hot right now. If you want a phone with all the bells and whistles, go for it; if not, look for one that has only the features you want to use, such as comfortable keyboard, big screen, maybe a camera.

Plans

Most cell-phone plans are for two years and come with hefty fees if service is canceled before time is up. Two-year plans usually offer incentives on phones and packages that sweeten the deal.

Prepaid cell phones – you pay only for minutes that you need – are another option and could be an economical solution if you aren’t a heavy cell phone user. Many now also offer the popular data and Web options.

Regardless of the plan, it’s important to know how you use your phone. If you’re a heavy texter, it might make more sense to get a plan with unlimited texts. If you don’t text, then why pay for the service?

Coverage

Can you hear me now? Yes, that line makes for a humorous commercial, but it can be a deal breaker. Cell phones are all about making and receiving calls – and if you get poor or no reception, why bother? If possible, “test” a phone’s service reception before you finalize the contract. And while smaller and regional carriers may offer less-expensive plans, the trade-off is in coverage. Small carriers may supplement voice coverage with roaming fees.

Coverage maps are a good indicator of service you can expect. But don’t just take the carrier’s word about their coverage. Check out CellReception.com Type in your zip code to find cell towers registered with the FCC. The more towers your carrier has, the better the reception you’ll have.

Final Tips

Before you sign on the dotted line, read the entire contract, including the fine print. Don’t be pressured into purchasing a plan that doesn’t fit your needs or budget. Make sure you know what the actual monthly bill will be after extra fees are added in. Be sure you understand what’s included in the plan and what’s not included. And before signing on with a wireless carrier, check them out with your BBB at cencal.bbb.org

Don’t go a day without your BBB. Follow us on Twitter, Facebook and LinkedIn. For more consumer information or to check out the BBBlog, visit cencal.bbb.org or call 1-800-675-8118.

Jury Duty Scam Threatens Your Private Information

2/10/2011

Posted on 2/10/2011 by

There are few people in our great country that look forward to jury duty. Most of us dread it, but drag ourselves to the court house anyway, and some avoid by means of any excuse. Unfortunately for those who take either approach, an old scam with a new ferocity is targeted at you.

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.

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.

The jury duty swindle has affected 11 states in the last few months, including Florida, 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. If you receive a suspicious call, the F.B.I recommends calling your local F.B.I office to report the incident.

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.

If you have been a victim of these scam call your local BBB at 1.800.675.8118 or send an email to info@cencal.bbb.org.

Heading Back to School? Look for Seven Red Flags When Applying to a For-Profit College

2/7/2011

Posted on 2/7/2011 by

Heading Back to School? Look for Seven Red Flags When Applying to a For-Profit College

Enrollment at for-profit schools—including trade schools and online universities—has skyrocketed in recent years. Unfortunately, not all schools offer a quality education and enrolling in a sub-par program can be a waste of time and money. When checking out for-profit schools, the Better Business Bureau recommends doing your research and looking for five red flags.

For-profit colleges enroll 1.8 million students—a number that has increased significantly in the last decade, according to the US Department of Education. While for-profit schools are becoming a more popular option for students, a recent investigation by the US Government Accountability Office (GAO) found that some are misleading students about the cost and quality of the education they will receive.

“If you’re looking to expand your horizons and get a better education, take the time to explore all of your options and do your research,” said Alison Southwick, BBB spokesperson. “Not all post secondary schools offer the same level of education and you can waste tens of thousands of dollars and years of your life if you sign up with an institution that doesn’t meet standards.”

When applying to a for-profit school, the BBB recommends looking out for the following red flags:

The recruiter uses high-pressure sales tactics.

If a sales rep is subjecting you to high pressure sales tactics—including bullying you or claiming you have to sign up immediately, just walk away. A reputable school will take the time to answer your questions, allow you to talk to a financial aid advisor and not push you into making a hasty decision.

The recruiter exaggerates potential income or guarantees a job.

Beware of any school that guarantees you will get a job after completing their program. Landing a job is never a sure thing, especially in this economy. If the representative tells you how much money you’ll make after completing their program, confirm it with a third party—don’t just take their word for it.

The prices are inflated when compared to other options.

A recent GAO investigation alleged price gouging at some for-profit schools. As an example, one school charged $14,000 for a certification in massage therapy while a similar certification at a local public college would have cost only $520. Before signing up with any for-profit school, do your research and compare costs against other for-profit schools and public colleges.

The school is not accredited.

Accreditation is extremely important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. You can check with the US Department of Education at http://ope.ed.gov/accreditation/ to learn which post secondary schools are accredited by approved agencies. More information on the importance of accreditation is available through the Council for Higher Education Accreditation’s website.

The degree or program seems too easy to obtain.

Diploma mills pose as online schools and often promise to give you a cheap and easy degree. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges. If the degree seems too easy to earn—this includes simply taking a test online or earning your degree based largely on life experience—it probably isn’t legitimate.

The school does not disclose information as required.

Some of the for-profit schools the GAO investigated "failed to provide clear information about the college's program duration, costs, or graduation rate despite federal regulations requiring them to do so." Don’t be afraid to ask plenty of questions when talking to recruiters and if you get the runaround instead of clear, concise answers, it’s a bad sign.

The recruiter encourages you to lie on financial aid forms.

The GAO report also found that some recruiters encouraged students to lie on their financial aid applications in order to get more money from the government to pay for tuition. If you get caught lying on your financial aid forms, not only will you have to pay the government back the money you borrowed, you could be fined and sent to prison.

For more advice on managing your personal finances and finding trustworthy businesses, visit www.bbb.org/us/Consumer-Tips/

Resolve to Give Back in 2011; Five Tips for Volunteering

2/7/2011

Posted on 2/7/2011 by

Donating your time to a charity is in many ways similar to deciding to make a cash donation. You want to know that the charity you’re considering is accountable and will use your time and talent effectively. If you’ve made giving back part of your New Year’s resolutions, the BBB Wise Giving Alliance recommends taking five steps to make sure your volunteering has a big impact.

Much of the great work that charities perform is made possible because of volunteers and the number of people giving their time continues to grow. According to the most recent numbers from the Bureau of Labor Statistics, 63.4 million people volunteered for an organization in 2009, or 26.4 percent of the US population.

“Particularly in this tough economy, charities need volunteers to help the community and those in need,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “Volunteering can be an extremely rewarding experience, but you want to be thoughtful and do your research when you give your time, just as if you were giving money.”

The BBB Wise Giving Alliance recommends taking the five following steps to make sure your time and energy are put to great use as a volunteer:

Identify your skills. Volunteering opportunities are available for any skill level. Consider what you’re good at and what services you’d be particularly well-equipped to provide. From stuffing envelopes to construction to providing pro bono legal advice, you can find a good fit regardless of your education or talents.

Consider your passions. Maximize your enthusiasm for volunteering by finding an issue that resonates with your own personal passions. If you’re a runner, consider a marathon fundraiser. If you like history, look for opportunities to help out at an archeological dig. By indentifying your passions, you’re more likely to stay engaged with the charity and be a more effective volunteer.

Determine your availability. Make a realistic estimate of how much time you’re willing to give. Maybe it’s just a weekend of picking up trash at a park, a week of building schools in a foreign country or maybe you’re willing to make a long-term commitment to tutoring someone to read. It’s better to volunteer the amount of time you can reasonably handle, rather than drop out in the middle of a longer commitment.

Research the charity thoroughly. Just as you would before making a cash donation, research the charity fully before you volunteer to make sure the organization has a commitment to standards and accountability. You can view BBB Wise Giving Alliance evaluations on nationally-soliciting charities for free at www.bbb.org/charity.

Commit to stick with it. According to an article in the Stanford Social Innovation Review, more than one third of those who volunteer one year don’t volunteer anywhere the following year. Even if your early attempts at volunteering weren’t a good fit, keep at it and look for new opportunities to give back. In a tough economy, charities need the support of volunteers more than ever.

Following are just a few sites that list volunteer openings:

www.allforgood.org

www.idealist.org

www.iparticipate.org

www.networkforgood.org

www.serve.gov

www.volunteermatch.org

For more advice on volunteering and to view charity evaluations on nationally-soliciting organizations, visit www.bbb.org/charity.

BBB Attorney Target of Scam Artist

2/7/2011

Posted on 2/7/2011 by

When attorneys have a difficult time discerning scams from legitimate solicitation for legal representation, you know scam artists are upping their game.

Zachary Wilson, a Fort Collins attorney who serves as general counsel for the Better Business Bureau serving Northern Colorado and Wyoming, is a case in point.

The scam, which targets attorneys throughout the U.S. and Canada, works like this: An overseas company contacts a U.S. lawyer by e-mail and retains that attorney as a settlement agent to collect a debt from a U.S. company. The company sends a settlement check to the lawyer, who deposits it into his trust account and then wires the settlement amount, minus his fee, to the “client.” But the settlement check is counterfeit and the lawyer loses the money he wired abroad.

This collection scam has many variations and is continually being updated, according to the BBB, making it difficult to spot immediately. Because of this, the BBB advises attorneys and their staffs to be wary of business dealings from potential foreign clients that are initiated via e-mail.

In Wilson’s case, he was contacted by a supposed British traffic control systems company that wanted to pursue a collection action against a Colorado-based electronics parts company. Both checked out as legitimate businesses. “It sounded like a standard collection,” Wilson said. “A company had provided valuable goods for which they were not paid.”

Wilson became suspicious, however, when he received a follow-up letter thanking him for his “wonderful retainer letter.”

“What kind of businessman talks about a retainer letter being wonderful?” he asks. The second letter, unlike the perfectly written first, contained awkward grammar and misspellings. Wilson was suspicious.

Rather than deposit the check as instructed, Wilson delivered it to his bank for investigation. “It was fraudulent,” said Wilson, adding that the scam “was pretty sophisticated.”

Attorneys that receive such e-mails should forward them to the Federal Trade Commission at spam@uce.gov as well as to the BBB at wynco.bbb.org.

Start With Trust. For reliable small business advice, visit www.cencal.bbb.org or call 1800-675-8118.

BBB issues Valentine’s Day alert: Beware of Internet Romantic Scams

2/3/2011

Posted on 2/3/2011 by

With Valentine’s Day right around the corner, overseas scammers are preying on those looking for love, reports Seattle’s KOMO news.

Using singles and dating websites, these scammers pretend to be people looking for relationships, often stealing photos from modeling and social network sites. They use kind words and pretend to share values in order to gain the trust of victims. Many times, con artists will send their “sweethearts” flowers and gifts purchased with stolen credit cards.

These romance schemes trick thousands every year, generating millions of dollars from unsuspecting victims. The scammers are rarely prosecuted because most of the time they are overseas where American investigators cannot take action.

If you’re using the internet to find love and the person fits the following description, you’re likely the target of a scam:

• Only communicates through email, instant message and cell phone.
• Is never able to physically meet you in person.
• Charming, understanding, flattering, sensitive, caring.
• Has a career or life circumstances that takes him or her overseas.
• Is quick to develop the relationship and talk of love.
• Has a young child, typically a boy or girl between the ages of 5 and 12.
• Has a sudden emergency, often involving the child's health.
• Has a reason they cannot get their money and needs your help.
• If you help them once, they need more money of a greater amount.
• If you have no money, they find a "client" who can send you money orders, with instructions to wire the money to them. (The checks are counterfeit.)

To read the full article, visit http://www.komonews.com/news/consumer/114986484.html

Delay in Processsing 2010 Tax Returns With Schedule A

2/1/2011

Posted on 2/1/2011 by

The BBB today reminded consumers in Central California that 2010 U.S. tax returns filed with Schedule A (itemized deductions) will not begin being processed until February 14.

The processing delay follows the December 17, 2010 enactment of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, which extended a number of expiring provisions including the state and local sales tax deduction, higher education tuition and fees deduction and educator expenses deduction. The IRS needs the extra time to update its systems to accommodate the tax law changes without disrupting other operations tied to the filing season.

Current forms for all tax filings are available online at www.irs.gov or at your local IRS offices, libraries and some banking institutions. Your returns can be completed before February 14, but they will be held for processing until that date regardless of whether they a snail-mailed or processed online.

The IRS is no longer mailing forms to individual homes because of increased electronic filings and increased printing and mailing costs. Last year, IRS e-file delivered 95 million tax returns, 66 percent of all returns filed.

The California Franchise Tax Board is also not mailing forms this year, saying that 43 million sheets of paper were used for the booklets mailed out last year. But less than 5 percent of taxpayers used the forms contained in the booklets. In 2010, more than 75 percent of all California returns were e-filed.

The BBB also reminds consumers that not all tax preparers are created equal. Consumers should be wary of companies which claim to be able to get a higher refund than others, or those which operate on a percentage basis.

Be careful of companies that entice you in with offers of discounts, rebates or minimal expense for tax preparation and then have you sign contracts with small print obligating you to higher fees and, frequently, a Refund Anticipation Loan (RAL).

RALs do provide a quick return of your anticipated tax return, but they also come with high interest rates that can add up to your entire refund or more. According to personalfinancebulletin.com, 2009 interest rates on RALs varied widely, from 36 to 500 percent.

What should you look for in a reliable tax preparation specialist?

Always look for a license and check it out. Not everyone who prepares taxes is a certified tax preparer. Tax preparers and tax interviewers who accept a fee for their work must be licensed by the California Tax Education Council (www.ctec.org).

Check with family and friends for references. Don’t be embarrassed to ask if the tax preparer got them a refund or if there were any problems with their returns.

Call the BBB at bbb.org or 800-675-8118 to check out recommended tax preparation companies, even if they are a big chain. Remember that each individual office operates separately and could possibly have operational problems that other offices of the chain don’t have. You can also use the BBB’s free Request-A-Quote program to find an accredited preparer by going online at www.cencal.bbb.org, clicking on the Request-A-Quote button and following the prompts.

Keep good records and receipts. Even the best tax preparer can only work with what you provide them. They are not mind-readers and they will not be able to determine your best deductions unless you give them accurate records. In your particular case, you need to keep two separate sets of records: one for your personal return and one for your business return. The better prepared you are, the easier it will be for your tax preparer to find your deductions and, hopefully, get you the refund you want.

Better Business Bureau names local business executive as new CEO

1/27/2011

Posted on 1/27/2011 by

The Better Business Bureau (BBB) serving Central California today announced that Blair Looney has been hired as the new president and chief executive officer for the organization, effective immediately.

Looney succeeds Douglas Broten who recently retired after 25 years as the head of the BBB office.

Looney, a respected member of the greater Fresno area advertising community for more than 25 years, was most recently a senior account manager with Fresno-based Thielen IdeaCorp. Looney was previously the second-generation owner of Charles Looney Advertising which he successfully joined with Thielen IdeaCorp as part of a strategic alliance in 2008.

A past board member of the national Council of Better Business Bureaus, as well as serving as past president and board member of the BBB serving Central California, Looney brings a wealth of understanding of the core goals and values of the BBB organization to his new position.

"The goal of the BBB has always been to provide trustworthy information to businesses and consumers," Looney said. "Technology and the internet may have changed the delivery process, but the bottom line message remains trust in the reliability of that information and that will not change."

Looney was inducted into the Fresno Advertising Federation Hall of Fame in 2008. Individuals inducted into the Hall of Fame have a lifetime of advertising and business excellence and adhere to a strict code of ethics, in addition to a wealth of community service (including service to the Fresno Advertising Federation). The Hall of Fame is the Fresno Advertising Federation's highest honor, reserved for the most esteemed living members of the Central California advertising and marketing industry.

He is also the Past President of the Business Associates of the Craig School of Business, the Better Business Bureau of the San Joaquin Valley, and the Fresno Ad Club. Additional community boards have included the Fresno Metropolitan Museum, the Greater Fresno Area Chamber of Commerce, the Rotary Club of Fresno, and the Fresno Zoological Society.

Broten, who joined the BBB in 1985, was instrumental in doubling the size of the Central California organization's accredited businesses. The BBB currently serves a nine county area that includes Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Mono and Tulare counties. Broten also developed mediation programs for Fresno, Kern and Tulare counties to provide free dispute resolution services for consumers and businesses.

BBB alerts consumers to potential bank scam

1/27/2011

Posted on 1/27/2011 by

The Better Business Bureau today issued a warning about phone messages allegedly originating with US Bank. The messages instruct consumers to call an 800 number because there has been an alert placed on their bank account.

Instead of a normal banking customer service system, which asks callers to walk through numeric or voice prompts to provide service, the phone number, 800-872-2625, tells callers they have reached US Bank and a customer service representative will be with them shortly and then connects callers with a person who identifies themselves as a representative of US Bank.

During a BBB test call to the 800 number, the representative refused to provide any information about what type of alerts or activity the initial message referred to unless specific account information was provided. When the BBB caller asked to speak with a supervisor, the alleged bank representative again refused unless specific account information was first provided even though the BBB caller explained the reasons for concern.

A subsequent call to US Bank customer service verified that there was no alert on the account in question and that their customer service department would have automatically allowed the caller to speak with a supervisor upon request. A call to the US Bank Fraud Alert department also confirmed that the 800 number, 800-872-2625, was not a US Bank number and that the call was a scam.

The phony call center number is a close variation of the real US Bank customer service number, 800-872-2657, which could easily confuse customers into thinking it, is legitimate.

If you receive a text or phone message claiming to be from any bank or financial institution, the BBB advises you to immediately contact the customer service number on your banking card or statement.

BBB issues alert regarding malware connected to online job postings

1/25/2011

Posted on 1/25/2011 by

Your BBB is issuing an alert that E-mails containing malware are being sent to businesses concerning their online job postings. The FBI reports that cyber criminals are engaging in ACH/wire transfer fraud and are targeting businesses by responding via e-mail to employment opportunities posted online.

According to the FBI, more than $150,000 was stolen from a U.S. business via an unauthorized wire transfer as a result of an e-mail the business received that contained malware. The malware was embedded in an e-mail response to a job posting the business placed on an employment website and allowed the attacker to obtain the online banking credentials of the person who was authorized to conduct financial transactions within the company. The malicious actor changed the account settings to allow the sending of wire transfers, one to the Ukraine and two to domestic accounts. The malware was identified as a Bredolab variant, svrwsc.exe. This malware was connected to the ZeuS/Zbot Trojan, which is commonly used by cyber criminals to defraud U.S. businesses.

Employers should stay up-to-date on their virus protection. Running a virus scan prior to opening any e-mail attachments from a potential employee could provide more security.

The FBI recommends businesses use separate computer systems to conduct financial transactions.

Anyone who believes they have been a target of this type of attack should contact their financial institutions, the FBI, and report it to the IC3's website at www.IC3.gov.

BBB Lists Top 10 Scams and Rip-Offs of 2010

1/6/2011

Posted on 1/6/2011 by

Job hunters and financial-strapped families are scammer’s targets in tough economy

The Better Business Bureau today released a list of the top 10 scams and rip-offs of 2010. Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.

“With the economy still on the mend, scammers had a field day targeting struggling families who were looking for work and trying to make ends meet,” said Doug Broten, BBB CEO. “While some of the most popular scams are perennial problems that have always plagued consumers, some new additions to the list are signs of our tough economic times.”

Following, in no particular order, is BBB’s list of top scams and rip-offs that took advantage of consumers and small business owners across the U.S. in 2010:

Job Hunter Scams – Scams targeting job hunters vary and include attempts to gain access to personal information such as bank account or social security numbers and requirements to pay a fee in order to even be considered for the job.

Debt Relief and Settlement Services – BBB warned consumers in 2010 to seriously consider third-party assistance for getting out of debt. These companies often require upfront fees and potentially leave the consumer drowning in even more debt. Complaints to BBB about debt relief and settlement services increased by approximately 30 percent in 2010, according to tentative year-end estimates.

Work from Home Schemes – Some work from home schemes promise to teach the secrets to making money online, others claim you can make money assembling items at home or get paid to be a mystery shopper. Some victims even found that their opportunity to work from home was a job to fence stolen goods. The end result is that instead of getting paid, you can end up losing hundreds—if not thousands—of dollars

Timeshare Resellers – Complaints to the BBB about the timeshare industry—including deceptive resellers—increased by over 40 percent according to 2010 estimates. Timeshare owners who are desperate to get rid of their costly vacation property are being targeted by companies that claim they have an eager buyer. The company tells the seller they just have to pay up to several thousand dollars to cover fees. After paying the fees, the seller never hears from the company again.

Not So “Free” Trial Offers – Misleading free trial offers online for diet supplements, penny auctions and money making schemes blanket the internet resulting in thousands of complaints ever year. The free trial offers seem no-risk but complainants state they were repeatedly billed every month and found it extremely difficult to cancel.

Itinerant Home Repair/Roofers – BBBs across the country received complaints from consumers who answered a knock from a door to door salesman or itinerant worker who eventually failed to deliver on promises to fix their roof or conduct other work to the home. Complaints to BBB about roofing companies increased by roughly 40 percent in 2010, according to tentative estimates, due in part to one company that solicited door to door, American Shingle, which received nearly 1,000 complaints nationwide after going bankrupt and not providing new roofs to angry customers.

Lottery and Sweepstakes Scams – The victim—often a senior citizen--receives a letter in the mail or phone call from someone pretending to be with Reader’s Digest, Publisher’s Clearing House or a phony foreign lottery. The scammer claims that the victim has won millions but must first wire hundreds or even thousands of dollars back to the scammers to cover taxes or some other bogus fee. The victim wires the money, but the prize never arrives.

Identity Theft – There are any number of ways a person can become a victim of identity theft. Through low-tech theft, phishing emails, vishing phone calls, smishing text messages, or even through no fault of your own as the result of a corporate data breach, millions fall victim to identity theft every year.

Advance Fee Loan Scams – A perennial problem, advance fee loan scams prey on consumers and business owners who are struggling financially. Victims are told they qualify for large loans but must pay upfront fees—often more than a thousand dollars. The victim wires money to the scammers, but never receives the loan.

Over-Payment Scams - Over-payment scams typically target small business owners, landlords or individuals with rooms to rent and sellers on classifieds or sites like Craigslist. The scammers overpay the amount for the services or products and then ask the victim to wire the extra amount back to them or to another fraudulent entity. Ultimately though, the check is forged and the victim is out the money wired back to the scammers.

Consumers or small business owners victimized by a scam can contact their local BBB or file a complaint at bbb.org. Always research a business with BBB before you sign any contracts or hand over any money.

Local Business Fails to Repair Appliances and Company Image

1/5/2011

Posted on 1/5/2011 by

Local Business Fails to Repair Appliances and Company Image

BBB Issues F Rating to San Antonio Company for Ignoring Seven Consumer Complaints

BBB has issued an F rating to Michel Appliance Service for failing to answer 7 recent consumer disputes. The San Antonio-based company advertises in the local Yellow Pages that it offers repair services on ovens, dishwashers and other major appliances.

Consumers have contacted BBB to file complaints alleging continued problems with appliances after repairs were completed by Michel Appliance Service. Other allegations include “no-shows” by Michel’s technicians after receiving hundreds of dollars in advance for repairs and the company’s failure to respond to requests for refunds.

The company has failed to respond to 7 out of 13 complaints filed with BBB in the past 3 years. BBB contacted this company in October 2010 regarding these disputes, however the company has not replied to BBB requests for a written response.

BBB reports that all complaints filed against Michel Appliance Service are from consumers in the San Antonio area. Click here to view Michel Appliance Service’s current BBB Business Review.

BBB offers tips for hiring a repair service:

· Search bbb.org for trustworthy businesses offering repair service.

· Request referrals.

· Be wary of large upfront fees.

· Check the terms of the warranty offered.

· Get all details of the expected work and timeframe in a written contract.

To check the reliability of a company and find trustworthy businesses, visit BBB.

About Better Business Bureau:
BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.

Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

Contact BBB serving Central California at (800) 675-8118.

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Local Business Fails to Repair Appliances and Company Image

1/5/2011

Posted on 1/5/2011 by

Search bbb.org for trustworthy businesses offering repair service.

Request referrals.

Be wary of large upfront fees.

Check the terms of the warranty offered.

Get all details of the expected work and timeframe in a written contract.

To check the reliability of a company and find trustworthy businesses, visit BBB.

###

Contractors State License Board Encourages Vigilance as Winter Storms Hit State

12/28/2010

Posted on 12/28/2010 by

CSLB tips ensure home repairs won’t turn into costly headaches

--information provided courtesy of CSLB

In the wake of heavy rain, mudslides, flooding and their aftermath, the Contractors State License Board (CSLB) reminds California property owners to stay vigilant when it comes to contracting for clean-up or repairs. Sometimes what appears to be the cheapest solution to remove a fallen tree, fix a downed fence, or patch a leaky roof may not be the wisest choice.

Consumers can use CSLB’s online resources to check the license status of the contractor they plan to hire, and to get tips on home repair and improvement choices. Any construction job valued at $500 or more in labor and materials must be done by a state-licensed contractor. California Business & Professions Code requires all licensees to carry workers’ compensation insurance coverage for their employees and to purchase a contractor license bond.

Now that Governor Schwarzenegger has declared a State of Emergency in several coastal, Central Valley, and Southern California counties, anyone caught contracting without a California contractor license can potentially be charged with a felony and subject to up to $10,000 in fines and three years in state prison (Business and Professions Code section 7028.16). In areas that are not state or federally-declared disaster areas, penalties are generally misdemeanors.

"A state-licensed contractor is the right choice when looking for a legitimate, qualified home repair person, especially in an urgent situation," said CSLB Registrar Steve Sands. "A CSLB-licensed contractor who is skilled in the specific trade you’re seeking is not likely to leave you in the lurch when it comes to properly completing the job at a fair price."

For tree trimming and removal jobs where the tree is 15 feet or higher and the job is more than $500, the contractor must be state-licensed. Business & Professions Code allows a gardener to do incidental pruning on trees less than 15 feet and under a cost of $500 without a CSLB license.

Business & Professions Code requires all Roofing (C-39) contractors to carry workers’ compensation insurance, even if they do not have employees, to ensure that consumers are protected in the event of an accident or injury on the homeowner’s property.

CSLB urges consumers to follow these tips when soliciting bids from a home improvement contractor:

Hire only licensed contractors, and ask to see the license and photo identification to make sure the person is who they claim to be.
Don’t rush into repairs, no matter how badly they’re needed.
Don’t pay more than 10 percent or $1,000, whichever is less, as a down payment. There is an exception for about two dozen contractors who carry special bonds that protect consumers. Those contractors are noted on the CSLB’s website.
Don’t pay in cash, and don’t let the payments get ahead of the work.
Get at least three bids, check references, and get a written contract.

The Contractors State License Board operates under the umbrella of the California Department of Consumer Affairs. More information and publications about hiring contractors are available on the CSLB website or by calling 800-321-CSLB (2752). You can also sign up for CSLB e-mail alerts and follow us on Twitter and Facebook. CSLB licenses and regulates California's more than 300,000 contractors, and is regarded as one of the leading consumer protection agencies in the United States. In fiscal year 2009-10, CSLB helped recover nearly $42 million in ordered restitution for consumers.

Do’s and Don’ts of Giving and Receiving Gift Cards

12/20/2010

Posted on 12/20/2010 by

According to the National Retail Federation (NRF), $23.6 billion was spent on gift cards during the 2009 holiday season with an average of $40 spent per card. The two most popular categories for gift cards were restaurants and department stores. It’s no wonder why gift cards are all the rage; they are simple, fun and almost always guaranteed to please.

Unfortunately, in a down economy some consumers may try to cut corners and purchase “discounted” gift cards from auction Web sites. According to the Internet Crime Complaint Center (IC3) gift cards bought from such sites or classifieds often turn out to be fraudulent or stolen.

BBB’s do’s and don’ts for giving gift cards:

o Don’t from online auction sites – only buy gift cards from reputable retailers. Gift cards sold at online auction sites are more likely to be counterfeit or obtained by fraudulent means. It’s even possible these cards could have no value when purchased.

o Do examine gift cards closely before purchasing them at stores. Do not purchase cards that appear to have been tampered with. Criminals have been able to get info off of cards and wipe out their balances leaving you with a worthless purchase. It may be best to buy them from the customer service counter as opposed to a public rack.

o Do read the terms and conditions that are required to be clearly disclosed on the card’s packaging prior to purchasing. Understand any associated fees and expiration dates.

o Do give the recipient the original receipt to verify the card’s purchase, in case it’s lost or stolen.

BBB’s do’s and don’ts for receiving gift cards:

o Do treat your card like cash. If it’s lost or stolen, immediately report it to the issuer.

o Don’t wait to use your card. It’s not unusual to misplace gift cards or to forget you have them. Using the card early will ensure you get its full value, as some terms deplete the balance over certain time period.

# # # #

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

Beware of National Church Consultant of America

12/16/2010

Posted on 12/16/2010 by

Andrew’s Investment Group of Sacramento garners some $750 to $7000 in advance fees for guaranteed loan modifications, which most say fail to materialize. The company has recently resurrected as National Church Consultant of America, still offering to provide loan modifications.

We recently telephoned Andrew’s Investment Group who answered as National Church Consultant of America. Mr. Andrews indicated that he was still providing loan modifications.

We’ve received nine complaints from Greater Sacramento residents claiming that they were instructed by Andrews to stop paying their loans and instead pay him for loan modifications. Most complained that the modifications were never performed and that they were unable to obtain refunds from Andrews despite promises to the contrary. One customer who lost $5,500 lamented: “This company not only scammed us out of thousands of dollars, but left voicemails stating our loan had been modified when it wasn’t. They promised us verbally and on our receipt that they’d refund us our money if they didn’t modify our loan. We’ve been waiting two years for a refund.” Not alone in their disdain, another said: “After spending hours dealing with the company’s lawyer and CEO, I was told my $2,500 would not be refunded and have since fallen deeper in the foreclosure process. I’ve left over 60 messages on Mr. Andrew’s voicemail with no response.”

Typically clients complain:

· Andrew’s Investment states they will not cash the consumer’s checks for the advance fee until the loan modification is complete; yet they cash the checks immediately.

· The postdated checks that the company requires, are not cashed after the date verbally specified. They are cashed immediately.

· The receipt, as well as verbal representations, clearly denote that the loan modification is guaranteed or the fee will be refunded. The refunds are not given.

At least some of the complaints were responded to by Steven Royston, a California licensed attorney, who is the subject of disciplinary action by the California State Bar and eventual license suspension . In addition, the California State Bar has pending disciplinary proceedings against him that involve Andrew’s clients.

If Andrew’s Investment Group does respond to BBB complaints they typically claim that they did not guarantee any modification and in some cases offered partial refunds. The company relies on it's written contract which states that it denies refunds (despite verbal promises given to consumers).

“It’s unbelievable that some companies are still engaging in the illegal practice of charging an advance fee to perform loan modifications. Homeowners are obviously desperate,” said Gary Almond, President of the BBB serving northeast California.

On October 11, 2009, Governor Schwarznegger signed Senate Bill 94 (Calderon) that prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a consumer for loan modification or mortgage loan forbearance services. This company, is in violation of these terms.

The Better Business Bureau serving northeast California warns consumers facing foreclosure to NEVER pay an upfront fee to modify your loan. Deal with your lender directly and see if you can modify the loan yourself. Call the BBB for a free report on a company BEFORE you make your decision. The BBB’s reports provide a rating, information about complaint history, and licensing information.

Better Business Bureau announces new location for Small Claims Advisory Office

12/16/2010

Posted on 12/16/2010 by

The Better Business Bureau today announced that the Small Claims Advisory Office will be moving to the B.F. Sisk Fresno Superior Courthouse, located at 1130 “O” Street in downtown Fresno. The office will be in Room 104 of the Family Law Facilitator/Self Help Center on the first floor. Regular office hours will be from 8 a.m. to 4:30 p.m.

The new office will open at noon on Monday, December 20, 2010.

The Small Claims Advisory Office offers free assistance in filing and preparing court forms and will answer questions on the court process to help clients manage their case in Fresno County’s Small Claims Court. Interested people can contact the office at (559) 457-4175 or visit www.fresnosmallclaimsadvisor.org.

In addition, the Small Claims Advisory staff is available to assist parties with post-judgment proceedings such as collections, how clients can pay the judgment, the appeal process and satisfaction of the judgment.

The multi-lingual staff consists of trained small claims mediators, specializing in providing consumer protection and consumer credit information as well as assistance with the actual filing of court documents. Assistance is available in English, Hmong and Spanish.

All services are provided free of charge.

Callers after regular business hours will hear a bi-lingual message instructing them about services offered, website access as well as the capability to leave a message which will be returned within 24 hours.

Free Wi-Fi Scam Strikes at Airports

12/15/2010

Posted on 12/15/2010 by

Many airports and other public spaces offer free wireless, or Wi-Fi, connections for the public to log onto the Internet from their laptop computers. “Hackers are now taking advantage of travelers who want to stay connected,” said BBB President Barry Goggin. “They are setting up fake Wi-Fi connections designed to steal your personal information without you even knowing it.”

How it works:

Although hackers have set up fake Wi-Fi connections in many locations, airports are a favorite “hot spot.” When searching for connections, consumers may see a network connection available that could be simply named “Free Wi-Fi.” Unfortunately, the network may actually be an ad-hoc network, or a peer-to-peer connection. The user will be able to surf the Internet, but they are doing it through the hacker’s computer. While the user is online, the hacker is stealing information like passwords, credit card and bank account numbers, and social security numbers from the user’s laptop computers. Airports across the nation continue to report Wi-Fi security issues.

The BBB offers the following advice for travelers using Wi-Fi Hot Spots:

Connect securely. Never connect to an unfamiliar wireless network—even if the name sounds genuine. A hacker can change the name of his network to anything he wants, including the name of the legitimate Internet connection offered by the airport.

Disable automatic connections. Make sure that your computer is not set up to automatically connect to any wireless networks within your range. Otherwise, your computer could automatically connect to the hacker’s network without your knowledge.

Turn off file sharing when you are on the road to prevent hackers from stealing sensitive data from your computer.

Create a Virtual Private Network (VPN). A VPN establishes a private network across the public network which prevents a hacker from intercepting your data.

For more information, please visit www.bbb.org.

Check Privacy Policy on "Dear Santa" Websites

12/14/2010

Posted on 12/14/2010 by

More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to e-mail St. Nick. But before allowing children to share personal information with a “Letter to Santa” website, the Children’s Advertising Review Unit (CARU) recommends that adults carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

“Even Santa is required to comply with CARU’s Online Privacy Protection guidelines and the federal Children’s Online Privacy Protection Act,” said Wayne J. Keeley, CARU’s director.

All Websites directed to children – or Websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

It should also state whether the company shares information with third parties, including advertisers, and whether the company publically discloses the information or retains the information for any future purpose.

CARU offered the following ‘Dear Santa’ site review tips:

Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses – Santa already knows where all the children live.

Check Websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on Website safety and children, please visit CARU at www.CARU.org.

BBB reminds contractors: CSLB-Sponsored Workers' Comp Enforcement Law among those Taking Effect in 2011

12/7/2010

Posted on 12/7/2010 by
Beginning January 1, 2011, the Contractors State License Board (CSLB) will be able to issue a "stop work" order to any licensed or unlicensed contractor who fails to carry workers' compensation insurance coverage for his or her employees a valuable tool for combating the underground economy. The new law will give CSLB unprecedented authority, enabling CSLB enforcement representatives to more effectively stop unlicensed, uninsured activity, and aid in the state's efforts to assure a level playing field for licensees who follow workers' compensation laws.

Failure to comply with the stop work order will be a misdemeanor, punishable by up to 60 days in jail and/or a fine up to $10,000. The stop work orders take effect immediately, but may be appealed by a written hearing request submitted within 20 days of the order being issued. The law requires the stoppage to be affirmed or denied immediately following the hearing, and all parties notified within 24 hours. Employees affected by the work stoppage would be entitled to up to 10 days' pay for lost time. The bill allows CSLB to increase peace officer positions from three to twelve, if approved by the Director of the Department of Consumer Affairs.

Following are additional laws related to the construction industry and CSLB that were passed during the 2009-2010 legislative session, most taking effect January 1, 2011 (Laws effective on dates other than January 1, 2011 are noted in bold italics.):

Other Workers' Compensation

SB 313 (DeSaulnier) Labor Code Section 3722 amended
This bill, signed in 2009, increases the potential penalty for failure to have a workers' compensation policy from $1,000 to $1,500 for each employee not covered. Fines are administered by the director of the Department of Industrial Relations. (Amended Stats 2009 ch 640 § 1, effective January 1, 2011.)

AB 2305 (Knight) Business and Professions Code Section 7125 and Insurance Code Section 11665 amended
The bill extends the requirement for C-39 Roofing contractors to carry a workers' compensation policy, even if he or she has no employees until 2013. It also requires providers of such policies to conduct annual payroll audits and submit the data to the Department of Insurance until January 1, 2013, unless another bill deletes or extends these provisions. (Amended Stats 2010 ch 423 §, 2 and 3, effective January 1, 2011.)

Mechanic's Liens

AB 457 (Monning) Civil Code Sections 3084 and 3146 amended
This CSLB-sponsored bill stipulates that the definitions of "claim of lien" and "mechanic's lien" are the same. It also requires that a Notice of Mechanic's Lien be served on the owner or person believed to be the owner of the property or on the construction lender or original contractor, and that a "proof of service affidavit" to the above individual(s) be completed and signed by the person serving the Notice of Mechanic's Lien. Failure to serve the mechanic's lien and confirm a proof of service affidavit will cause the mechanic's lien to be unenforceable. (Amended Stats 2009 ch 109 § 1 and 2, effective January 1, 2011.)

SB 189 (Lowenthal) Business and Professions Code Sections 7034, 7071.5, 7071.10, 7159, 7159.1, 7159.5, 7159.14 and 7164 amended
This law revises existing mechanic's lien law. It enacts separate provisions governing public and private improvement works. (Amended Stats 2010 ch 697 § 1 through 8, effective January 1, 2011.)

Public Contracts

AB 635 (Committee on Accountability and Administrative Review) Public Contract Code Article 1 added to Part 1, Chapter 3, Division 2
This bill requires contractors, engineers or architects engaged in roofing projects for public schools or community colleges, to disclose financial relationships connected to those entities and sign certification stating that he or she will not receive or give financial incentives in connection with the bid being awarded. Knowingly providing false information or failure to disclose a financial relationship is subject to a civil fine of up to $1,000. This law took effect immediately upon signing and chaptering on September 29, 2010. (Amended Stats 2010 ch § 1,effective September 29, 2011.)

AB 2036 (Bill Berryhill) Public Contract Code Sections 10111.2 and 20103.7 added. This law will require state departments and local agencies to make electronic copies of project plans available at no charge to a contractor plan room upon request of a contractor plan service. (Amended Stats 2010 ch 371 § 1 through 3, effective January 1, 2011.)

AB 2184 (Arambula) Public Contract Code Section 22037 amended
This bill amends current law to include electronic notification by public agencies for notices inviting formal bids for contracts. The new law requires agencies to submit notification by fax or electronic mail, if available, to trade journals at least 15 calendar days before the opening date of bids. The 30-day requirement for mailed notification remains in the law. (Amended Stats 2010 ch 62 § 1, effective January 1, 2011.)

Criminal

AB 2372 (Ammiano) Penal Code Section 487 amended
This law changes the threshold from $400 to $950 to charge the crime of grand theft for stealing money, labor, real or personal property. (Amended Stats 2010 ch 693 § 1 and 2, effective January 1, 2011.)

Environmental

AB 1343 (Huffman) Public Resources Code Chapter 5 added to Part 7, Division 30
This law requires manufacturers of architectural paint to submit a plan for paint recycling to the Department of Resources, Recycling and Recovery that could include an assessment on the sale of architectural paint. The plan will include contractor and consumer outreach and education about this plan. (Amended Stats 2010 ch 420 § 1 and 2,effective April 1, 2012.)

AB 2398 (John A. Perez) Public Resources Code Section Chapter 20 added to Part 3, Division 30 and Section 42980 repealed
This law will require carpet manufacturers to develop a recycling plan about which they will be required to educate carpet installation contractors. Carpet manufacturers must charge an assessment of one-half cent per square yard on the purchase price to pay for the program. (Amended Stats 2010 ch 681 § 1 and 2,effective July 1, 2011.)

CSLB/Consumer Board Operations

SB 294 (Negrete McLeod) Business and Professions Code Sections 7000.5 and 7011 amended
This bill extends CSLB's operations as a board from January 1, 2011 to January 1, 2012. ( Amended Stats 2010 ch 695 § 37 and 38, effective January 1, 2011.)

SB 392 (Florez) Business and Professions Code Sections 7025, 7028.5, 7029, 7065, 7065.1, 7065.5, 7068, 7068.1, 7068.2, 7069, 7071, 7071.1, 7071.8, 7071.9, 7071.11, 7071.17, 7072.5, 7075.1, 7076, 7076.2, 7085.6, 7090, 7090.1, 7096, 7121, 7121.1, 7121.5, 7121.6, 7122, 7122.1, 7122.2, 7122.5, 7137, 7138, 7152, 7159 and 7159.10 and 7071.6.5 and 7071.19 added; Corporations Code Section 22037 amended
This bill authorizes the issuance of a contractor license to a Limited Liability Corporation beginning January 1, 2012. The LLC would be required to maintain liability insurance of between $1,000,000 and $5,000,000 and post a $100,000 surety bond as a condition of licensure. In the case of suspension of the license, each member, officer, director or responsible managing officer of the company is personally liable for up to $1,000,000 each for damages resulting from the company's performance. (Amended Stats 2010 ch 698 § 1 through 43,effective January 1, 2012.)

SB 1491 (Committee on Business, Professions and Economic Development) Business and Professions Code Sections 7028.6, 7028.7, 7028.9 and 7058.5 amended
This bill makes minor changes to current B&P Code relative to the construction industry, including that a citation for acting as a contractor or salesperson without a license or registration be issued within four years, or 18 months of a complaint for the violation, whichever is later. The bill also allows for contractors applying for an original license to complete and return the required open book exam about asbestos electronically. (Amended Stats 2010 ch 415 § 17, 18 and 19, effective January 1, 2011.)

AB 1659 (Huber) Government Code Section 9147.7 added
This law abolishes the Joint Committee on Boards, Commissions and Consumer Protection and replaces it with the Joint Sunset Review Committee. CSLB's sunset review process remains unchanged. (Amended Stats 2010 ch 666 § 1, effective January 1, 2011.)

AB 2130 (Huber) Business and Professions Code Section 22 amended and Section 101.1 and Division 1.2 repealed
This law is a companion bill to AB 1659, replacing the Joint Committee on Boards, Commissions and Consumer Protection and replacing it with the Joint Sunset Review Committee. ( Amended Stats 2010 ch 670 § 1 through 3, effective January 1, 2011.)

AB 2500 (Hagman) Business and Professions Code Section 114 amended and Section114.5 repealed
The bill amends current law that allows an individual licensed by Department of Consumer Affairs' boards and bureaus to reinstate their license without examination or penalty if serving in the California National Guard or United States Military during a period of war. The new law repeals the section defining war. It also extends the reinstatement provision for licensees who can prove they were serving on active, military duty, provided their request comes not more than one year after discharge or the end of active duty. (Amended Stats 2010 ch 389 § 1 and 2, effective January 1, 2011.)

These changes in the law will be explained further in the 2011 edition of CSLB's California Contractors License Law & Reference Book scheduled for release in early January, which can be accessed on the CSLB website.

Winterize Your Home to Keep Heating Costs Down

12/1/2010

Posted on 12/1/2010 by

Winterize Your Home to Keep Heating Costs Down

BBB Offers Cold Weather Home Preparation Tips

As colder weather moves into Central California, many local homeowners are turning on their home-heating systems for the first time in many months. According to the Energy Information Administration, home-heating costs this winter are expected to rise by 3 percent compared to last year. BBB reminds homeowners that protecting your home before the harshest weather takes hold can save money in the long term.

BBB offers the following checklist for consumers to consult when preparing for the cold months ahead:

· Furnace. Have your unit inspected to make sure it is in safe, working order. Additionally, check to see that the furnace filter is clean, the thermostat is accurate and the pilot light is functioning.

· Heating ducts. According to the Department of Energy, a home with central heating can lose up to 60 percent of its heated air before that air reaches the vents. This occurs if ductwork is not well-connected, improperly insulated or if air travels through unheated spaces.

· Fireplace. Using your fireplace can keep you from running the heater as often, but make sure the flue is closed when it is not in use. This will keep cold drafts out of your home. If you notice a leak, have your chimney inspected or purchase a screen to cover your fireplace.

· Gutters and outside pipes. If freezing temperatures are forecasted, wrap outside pipes and clear your gutters to prevent possible cracking. Any clogs or excess water will expand as they freeze.

· Caulking and weather stripping. According to the EarthWorks Group, the average home has air leaks that amount to nine square feet. Inspect the caulking and weather stripping around windows and doors for cracking and peeling. If you can feel air coming in, it also means heat is getting out.

BBB reminds consumers that most of these steps can be done inexpensively and can help prevent spending hundreds, or sometimes thousands, of dollars in repairs.

To check the reliability of a company and find trustworthy businesses, visit BBB.

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Protect your Debit Card Number from ATM skimming

11/10/2010

Posted on 11/10/2010 by

Even if you’re choosy about which ATMs you use, you can still become a victim of identity thieves who place seamless devices on machines to steal debit card information. ATM skimming is a growing problem and the Better Business Bureau recommends consumers take a few steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

Identity thieves tamper with ATMs in any number of different ways in order to steal debit card numbers and PINs. It only takes a few seconds to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Doug Broten President of the BBB serving central California . “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

Following are a few ways to fight identity thieves at the ATM:

Protect your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.

Give it a wiggle – Skimming devices are often false panels attached to the ATM—such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.

Be picky with your ATMS – Avoid using ATMs in poorly lighted or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on your statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts—particularly the itemized breakdown of charges and debits—so that you can quickly report any suspicious activity on your account.

Report Fraud Immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.

For more advice on fighting identity thieves and preventing fraud, visit us online at www.bbb.org/us/consumer-tips-scams/

BBB Warns Against Online Ads for Acai Diet Pills and Work from Home Jobs

11/2/2010

Posted on 11/2/2010 by

BBB continues to receive flood of complaints over deceptively expensive “free” trials

The Better Business Bureau is warning consumers to be wary of free trial offers online for diet pills, work at home jobs and teeth whiteners among other products and services. In this year alone, BBB has received thousands of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

Ubiquitous deceptive online ads for “free trials” of various products and services can be found on popular sites like www.MSN.com, www.ESPN.com, and www.Weather.com. Often the ads link to websites of phony news outlets which, according to the Sydney Morning Herald, commonly feature the photo of a well-known French journalist—without her permission—under various names.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Doug Broten, President and CEO of the BBB serving Central California. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

One company behind these not-so-free trials is XM Brands which has an F rating with BBB. According to the nearly 2,000 complaints to the West Palm Beach BBB, the company sells roughly 40 teeth whiteners, acai diet pills and colon cleansers online. Complainants say they agreed to pay anywhere from $1.49 to $3.87 to cover shipping for the product trial but were charged as much as $87 a month, sometimes before they even received their trial in the mail. Complainants report getting the runaround from the company when they request refunds or ask to stop being billed; one consumer claims to have lost more than $860 as a result of recurring charges.

In just four months, Internet Cash Machines racked up more than 460 complaints from people who were interested in working from home, and has received an F grade from the Los Angeles-area BBB. Consumers say that they signed up for a free trial package of information costing $2.95 but were promptly charged as much as $149. Complainants also say they are unable to cancel by phone or email and have no way to prevent the typically $139-149 fee from being deducted from their account.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with the Better Business Bureau. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Broten.

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.

How to Find a Pest Control Company You Can Trust

11/2/2010

Posted on 11/2/2010 by

Not satisfied with the comforts of home, bedbugs are migrating to public places like movie theaters and retail stores and then hitching rides on unsuspecting consumers. Not only are bedbugs a growing problem, they are also a hard problem to get rid of. Better Business Bureau recommends doing your research to find a pest control company you can trust to get the job done efficiently.

According to a recent survey by the Pest Management Association, 95 percent of exterminators had encountered a bed bug infestation in the previous year—compared to only 25 percent of respondents ten years prior. While homes are the most common place for infestations, bedbugs also invade hotels, movie theaters, clothing stores and offices.

“When you discover an infestation in your home or business, you want to act quickly and get a professional in there fast,” said Doug Broten, President of the BBB serving central California. “Despite the urgency of the problem, you still need to do your research and make sure you are enlisting the help of a qualified and trustworthy pest control specialist.

When hiring a pest control company, BBB recommends that home and business owners consider the following:

Start with BBB.

Always research a business with your BBB first. BBB maintains reports on good and bad exterminators across North America. You can use BBB’s Accredited Business Locator to quickly find local companies that uphold BBB’s standards for ethical business practices.

Credentials count.

Make sure the exterminator has sufficient training and certifications. Ideally, the company will also be a member of a national or local trade association. Also research the company with your local pest control regulatory board.

Ask about liability insurance.

Find out how the company is covered, and how you will be reimbursed, if they happen to break any of your belongings or damage your home.

Get educated.

Make sure that you completely understand the extent of the infestation as well as the possible remedies and side affects of any chemicals used. Do your own research online into the problem and possible solutions.

Read the fine print.

Always read the find print carefully and don’t just take a representative word for it. Pay close attention to any warrantees or termination fees if entering into an extended contract for monitoring or future services.

For more advice on hiring home maintenance professionals, visit http://www.bbb.org/us/consumer-tips-home/

BBB warns consumers and businesses to beware of Undre Revis’ donation schemes:

10/26/2010

Posted on 10/26/2010 by

No evidence dance school plans are founded in reality

The BBB has learned that a dancer named Undre Revis is fraudulently using Fresno Mayor Ashley Swearingen’s name, as well as the names of local area businesses, to solicit funds for an alleged dance school he plans to open.

Initially, Revis had worked with a local fitness center to host a dance class. Revis claims to have been a choreographer for Debbie Allen, Mariah Carey and Michael Jackson. The dance class has now been cancelled.

Last week, the BBB received a call from Red Carpet Car Wash on Blackstone saying that a man named Undre Revis had solicited them several times for funds not only for the dance class but also for a Performing Arts School he intended to open in the area. Revis assured staff members that he had the support of Mayor Swearingen, Fresno Unified School District (FUSD) and dancer-choreographer Debbie Allen. He became agitated when he was told that donations needed to go through management channels and could not be made on the spot.

The BBB contacted the Debbie Allen Dance Academy which confirmed that Revis had taught there several years ago but was no longer affiliated with the school or Ms. Allen.

The Superintendent’s office at FUSD confirmed that Revis had been in the office earlier last week asking to see Superintendent Michael Hanson but he did not speak with him. Revis also told FUSD staff that Mayor Swearingen and Debbie Allen supported his project.

When contacted by the BBB, Mayor Swearingen’s office said that the Mayor had met briefly with Revis during her monthly Open Door Day where he mentioned his plans for an after-school performing arts program. While not endorsing his program, the Mayor suggested Revis contact organizations running existing after-school programs to see if they could coordinate efforts.

A BBB representative who contacted Revis asking about tickets to the dance class was repeatedly told that Debbie Allen, Mayor Swearingen, Superintendent Hanson, the local fitness center and Red Carpet Car Wash supported the class and endorsed his proposed Performing Arts School. Revis requested a minimum $100 donation, preferably to be paid in cash or cashier’s check, to help fund the school.

The BBB encourages anyone contacted by Undre Revis to be aware that he has not received the endorsements he claims for his Performing Arts School and there is no scheduled dance class.

BBB announces new mediation program for Tulare County

10/20/2010

Posted on 10/20/2010 by

The Better Business Bureau serving Central California will begin mediating Small Claims court cases in Tulare County beginning Monday, October 18. Mediation Services will be available at the Visalia Convention Center, 303 E. Acequia Ave., for court calendared cases from 8 a.m. – 5 p.m. on Monday of each week.

Mediation Services are provided by professionally trained mediators.

The BBB also plans to open an office by the end of the year in downtown Visalia to serve the community in Family Law, Small Claims and Community Mediation on Monday through Friday from 8 a.m. to 5 p.m.

These services are available free of charge to residents of Tulare County. Superior Court of California, County of Tulare, has awarded the BBB Foundation a contract to perform mediation services in Small Claims Court, Family Court 9 (non-custody) and to perform community mediations. This contract is funded by the Dispute Resolution Program Act established in 1986.

Similar programs are already providing community services to the residents of Fresno and Kern counties.

For more information regarding mediation services, contact Liz Garvin at 559-256-6325.

BBB Gives F Rating to National Growth Funding, Inc.

9/22/2010

Posted on 9/22/2010 by

Local Grant Writing Company is Unresponsive to Customer Disputes

BBB has issued an F rating to National Growth Funding Inc. (NGF) for failure to respond to customer disputes. As a result, the company’s BBB Accreditation was revoked for failure to uphold at least a B rating and meet the BBB Standards of Accreditation.

The San Antonio-based company offers business consulting, grant writing and grant finding services to organizations nationwide. Despite receiving hundreds or thousands of dollars in upfront fees, reports to BBB allege that NGF never delivered on promises that they would secure substantial grants and funding from the government for their customers. Other complaints received by BBB indicate poor workmanship and that NGF has not answered requests for refunds or contract negotiations.

BBB currently reports receiving eight complaints against NGF in the past year, five of which remain unanswered. On June 16, 2010, BBB contacted NGF to discuss concerns that the disputes were beginning to form a pattern. The company has not yet responded. For more details, visit the company's BBB Business Review here.

Before paying money for assistance in earning government grants, BBB offers the following advice:

Start with trust. Always check out a company’s BBB Business Review before giving out any bank account or credit card information. Reports are available for free at www.bbb.org.

Be skeptical. Generally speaking, obtaining a grant is a complicated process, requiring documentation and research. The vast majority of grant-making foundations require that applicants meet very specific guidelines and that the funds be used for specific projects supported by the foundation. Be wary of any company promising a quick, easy or guaranteed result.

Check free sources first. There is no reason to pay for software or guides when applying for government grants. Free information is available on federal government websites including grants.gov, govbenefits.gov and sba.gov.

To check the reliability of a company and find trustworthy businesses, visit BBB

Cuando Cerrarle la Puerta a un Vendedor Ambulante

9/21/2010

Posted on 9/21/2010 by

Cuando un representante de ventas toca en su puerta pueden representar una variedad de diferentes productos y servicios tal como revistas, productos de limpieza, sistemas de alarmas y hasta carnes congeladas. También pueden ser trabajadores ambulantes que ofrecen estimados bajos para reparar su techo o cochera. Sin importar lo que vendan, protejan su casa y su bolsillos confirma las credenciales.

BBB recomienda que tengan cuidado con un representante de ventas ambulante si:

Usa tácticas de ventas con alta presión. Un vendedor de buena reputación le dará tiempo para pensar el trato y hacer una sita para regresar más tarde. Tenga cuidado si le piden que haga su decisión inmediatamente antes que compare. No se deje llevar por estas tácticas de alta presión – Aunque el trato según no dure o el representante sea muy agresivo – le conviene parar un poco y pensarlo primero.

Le ofrecen un trato que se oye muy bueno para creer. Algunos representantes de ventas le pueden ofrecer un producto o servicio a un precio muy bajo. Recuerde que recibe por lo que paga y mucha personas se decepcionan cuando el producto no sirvió con debería o la compañía le previo un trabajo mal echo.

Falla en seguir leyes federales. Ley federal requiere que si compre más de $25 en mercancía, el represéntate de ventas debe informarle de su derecho de cancelación dentro de tres días. Conocida en inglés como “3 day cooling off rule” estos derechos típicamente están incluidos con la información de contacto de la compañía en el recibo o contrato.

Está trabajando para una compañía con una baja calificación con su BBB. Antes que saque su chequera, siempre revise la compañía con su BBB primero para ver cuantas quejas han recibido y verificar la calificación de la compañía.

Insisten que page en efectivo. Es mejor si paga con una tarjeta de crédito o un cheque para poder tener un poco más de seguridad por si acaso tiene un problema, tiene un comprobante.

Si tiene alguna que sobre un represéntate de ventas ambulante se puede comunicar al 1.800.675.8118 o puede archivar su queja por internet. Para más información sobre este tema o tiene alguna pregunta, puede escribir al correo electrónico de Manuel@cencal.bbb.org.

When to Shut the Door on a Traveling Salesman

9/21/2010

Posted on 9/21/2010 by

When salesmen knock on your door, they could represent any number of different legitimate products and services such as magazines, cleaning supplies, home alarm systems and even frozen meat and poultry. They might also be itinerant workers who are offering a low-ball estimate to fix your roof or repave your driveway. Regardless of what they are selling, protect your home and your wallet by confirming their credentials.

BBB recommends being cautious of a door to door salesperson or itinerant worker if they:

Use high pressure sales tactics. A reputable salesman will give you time to think through the deal and make an appointment to return at a later date. Watch out if you’re asked to sign up immediately before you do your research. Do not give in to high-pressure sales tactics—even if the deal supposedly won’t last long or the salesperson is aggressive—it’s worth it to stop and think it over first.

Offer a deal that sounds too good to be true. Some salesmen might offer an extremely good price for their products or services. The adage holds true that you get what you pay for and many people have been quickly disappointed when the products didn’t live up to the hype or the company did a shoddy job.

Fail to follow federal law. Federal law requires that if you purchase more than $25 in goods, the salesperson must inform you of your rights to cancel within three business days. Called the “cooling off” rule, these rights are typically included with the company’s contact information on the receipt or contract.

Work for a company with a poor rating from your BBB. Before you break out your checkbook, always check the company out with your BBB first to see how many complaints they’ve received in addition to BBB’s overall rating.

Finally, pay with a check or credit card—rather than cash—in order to take advantage of the consumer protections provided.

When to Shut the Door on a Traveling Salesman

9/20/2010

Posted on 9/20/2010 by

BBB recommends being cautious of a door to door salesperson or itinerant worker if they:

Finally, pay with a check or credit card—rather than cash—in order to take advantage of the consumer protections provided.

Three Easy Steps to Dispose of Office Electronics Safely

9/16/2010

Posted on 9/16/2010 by

Disposing of outdated office computers, printers and copiers the right way is not only important for protecting the environment, it also staves off the efforts of data thieves. Better Business Bureau explains the three steps necessary for small business owners to dispose of old office equipment safely and securely.

Electronics contain toxic poisons such as lead, mercury and cadmium which if they are just tossed into a landfill will eventually leak out and pollute the soil and water. According to the Environmental Protection Agency, 1.84 million tons of TVs, computers, printers, cell phones and other electronics were discarded primarily into landfills in 2007. Only 18 percent of discarded electronics were recycled that year, however, the EPA notes that e-cycling is growing in popularity perhaps due to mandatory programs in some states.

“When tossing old electronics you need to consider both the environmental and data security concerns,” said Doug Broten, President of the BBB serving Central California. “Computers, cell phones and copiers not only contain toxic chemicals that can pollute the environment, they also contain a wealth of information that data thieves would love to get their hands on.”

BBB recommends taking the following step to ensure that all hazardous and data sensitive office equipment is disposed of the right way:

Step 1: Identify hazardous and data-sensitive electronics

The following office equipment contain toxic materials or sensitive data and should be recycled responsibly and not just tossed into the garbage:

Computer CPUs
Mobile phones
Copiers, Printers and Fax Machines
Monitors, Keyboards, Speakers and Mice
Landline phones
Computer cables and wires
TVs, VCRs, DVRs and stereos

Step 2: Destroy Sensitive Data

While most electronics have toxic components, some also contain sensitive business information stored in the product’s hard drive. Ensure that any data has been wiped before getting rid of the following electronics:

Computers: You can purchase inexpensive software to wipe a computer’s hard drive, but the data could still be retrievable to a determined person. If you have extremely sensitive information that you don’t want getting into anyone’s hands, the most secure way of destroying the data is to remove and physically destroy the hard drive.
Copiers and Printers: Copiers and printers have internal hard drives that save digital copies of the documents it has printed. Consult the manual to find out how to wipe the memory; you can also use third-party software to overwrite the hard drive. The most secure way of erasing data is to physically destroy the hard drive—as long as you don’t lease the product. If you lease, consult with the company on how your data will be erased.
Mobile Phones: Consult the owner’s manual or search online for directions on how to wipe the phone’s memory. Remove the SIM card if your phone has one.

Step 3: Dispose Properly

When it comes to actually getting rid of outdated office electronics, there are many options available depending on the condition of the item, the retailer, the manufacturer and, in some cases, state laws. Following are the main disposal methods to consider:

Donate – Schools, charities and community organizations can use your electronics—such as computer equipment, phones, copiers and printers—as long as they are in proper working condition. Your donation may even be tax deductible.
Recycle – There are many companies across the country that break down and recycle old electronics for free. They usually have drop off locations or you may even be able to schedule a pick up if you have many heavy items. To locate a BBB Accredited e-cycler visit www.bbb.org/us/bbb-accredited-businesses. Many states also offer e-cycling programs—some of which are mandatory. A list of state programs are available on the EPA’s web site: http://www.epa.gov/osw/conserve/materials/ecycling/live.htm
Return – Some manufacturers including Cannon and Apple and even retailers such as Best Buy and Costco provide “take back” programs to help customers recycle their old products safely and cheaply. Every major cell phone carrier will also take your old cell phone and donate it to a charity or have it disposed of properly. The EPA has a list of manufacturer and retailer programs online at http://www.epa.gov/epawaste/conserve/materials/ecycling/donate.htm
Resell – While more labor intensive, you may be able to make a little money selling your electronics through auction websites or online classifieds. Be wary if any buyers overpay or ask you to wire money for any reason.

For more small business advice on how to manage data check out Data Security – Made Simpler at www.bbb.org/data-security

Doug Broten announces retirement from BBB

9/14/2010

Posted on 9/14/2010 by

After 25 years, Douglas C Broten, is announcing his retirement as president and CEO of the Better Business Bureau (BBB) of Central California. Mr. Broten will remain with the BBB until mid-January, 2011.

During his tenure, Mr. Broten grew the BBB from less than 1500 businesses in 1985 to nearly 3,000 today. Along the way, the staff has grown from five to 30 and is still growing. Mr. Broten began with a service area of five counties. It now encompasses the entire nine counties of Central California, serving Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Mono and Tulare. The BBB of Central California’s geographic region covers 29,537 square miles with a total population of more than 2.7 million people. He also pioneered the largest mediation program in California.

The BBB was founded on a strong platform of ethics and integrity and that has never wavered. Yet, when Mr. Broten joined the BBB, members (as they were then known) were not allowed to use or display the BBB logo in their offices, stores or advertising. Businesses joined simply because it was “the right thing to do” and they wanted to support an ethical marketplace.

Today, Accredited Businesses still join to support marketplace ethics but they are now encouraged to display the BBB logo proudly and prominently. Under Mr. Broten’s leadership and foresight, the BBB of Central California has grown and evolved with the region’s business communities. This BBB was one of the first BBB’s in the country to grasp the increasing importance of technology in the workplace, with the organization’s databases being converted to electronic systems that provide instant updates. To encourage use of the BBB logo in their online advertising and on their websites, Mr. Broten offered the BBB OnLine Logo program free to participating businesses. Today, the BBB’s website content is updated daily and receives 40,000 hits per month.

Mr. Broten also helped lead advances of the BBB system throughout the United States and Canada, serving for many years on the several committees including the Chair of the Information Technology Committee of the Council for Better Business Bureaus today.

Mr. Broten always displayed a keen sense of what things, big and small, will make BBB services more valuable and user friendly to area Accredited Businesses. Today, services are provided in English and Spanish. All information is available online and in real time. Annual renewal investments can be made online. The Request-A-Quote program offers leads to businesses through e-mail, fax and snail mail. More and more of businesses prefer to communicate through email, but Mr. Broten firmly believes that not all businesses are the same and so communications are also sent by fax to businesses that prefer that method.

Before “conflict resolution” became a catchphrase, Mr. Broten developed an active mediation program to assist consumers in settling business problems. Today, the BBB mediation program covers Fresno, Kern and Tulare counties and there is an increasingly popular program that assists with information about filing Small Claims Court applications.

But there is more to a business than technology. There are people, the backbone and essence of any successful enterprise. Mr. Broten’s leadership shines in that arena as well. Three of the BBB managers have been with the organization at least 24 years. The BBB has an excellent program that allows college students to learn customer service skills and earn a paycheck while still attending school.

Mr. Broten is also well-known throughout the community. Whenever the BBB has a booth at a community event, it is inevitable that people, of all ages, come up and send messages to him.

A quarter of a century sounds like a long time, but it has passed very quickly under Mr. Broten’s leadership. The BBB is a non-profit organization but, under his guidance, it operates like a business: professional, organized and with attention to detail. Because of Mr. Broten’s management, the BBB of Central California is fiscally responsible with people and customer service always coming first and foremost. He has established guidelines for and a tradition of resolving consumer problems while promoting an ethical marketplace that will continue to endure in the years to come.

Your BBB has launched a national search for CEO. For more information, click here:

http://cencal.bbb.org/ceo-search/

Beware of Deceptive Auto Loan Modification Offers

9/13/2010

Posted on 9/13/2010 by

Ads on TV may promise to modify car loans and stave off a visit from the repo man, but some companies fail to carry through on their promises. Better Business Bureau recommends that cash-strapped consumers save their money by trying to work out a deal with the lender directly before paying out hundreds in upfront fees to a loan modification company.

High unemployment in the country means that many families are struggling to make ends meet and the number of repossessed cars continues to rise. More than 1.9 million cars were repossessed by lenders in 2009 according to Manheim Auctions. Some businesses are seeing an opportunity in the increased number of repossessed cars and claim that, for a large up-front fee, they can work with the lender to modify the terms of the loan for the borrower.

“Auto loan modification companies are following in the footsteps of unscrupulous mortgage modification companies which have long targeted struggling families who are just trying to stay above water,” said Doug Broten, President of the BBB serving Central CA. “Some companies may make it look like they are tossing out a life preserver, but they end up pulling many borrowers deeper underwater.”

BBB has received complaints from across the country against one Florida-based company, Auto Relief Group (ARG). Complainants say they paid hundreds of dollars in advance fees in exchange for the promise that ARG would significantly reduce the monthly payments on their car loans. Complainants wanted their money back after the company was unsuccessful in modifying the car loan. ARG has also caught the attention of the Florida Attorney General who has filed a lawsuit against the company for deceptive and unfair trade practices

If you’re having a hard time making payments on your auto loan and are considering assistance from a loan modification company, BBB recommends that you:

Start with your lender. Many complainants to BBB stated that their lender told them they didn’t need to pay a company to help modify their loan and they could have worked something out together. Lenders are often eager to work out a more convenient payment plan because it’s in their best interest to keep you paying your bill.

Do your research. If you are planning to enlist the help of a third party to modify your loan, always research the company with your BBB first. The business’s BBB Reliability Report will tell you how many complaints BBB has received, if the company has responded to complaints and if there are any government actions or lawsuits against the business.

Beware of Advance Fees. Large fees in advance should be considered a red flag even if the company claims to offer a money-back guarantee if they are unsuccessful. Some states do not allow companies to charge customers in advance for financial services including loan modification.

Get it in writing. Ask for documentation from the company. Be sure it discloses the services they will provide and their terms including refund policies and any money-back guarantees.

Complain to BBB. If you feel you’ve been misled by a loan modification business, file a complaint with your BBB online. Even if the business is unwilling to resolve the issue, your complaint will serve as a warning to other consumers about that business.

For more advice on managing personal finances, visit us online at www.bbb.org/us/consumer-tips-finance

Buying An Unbuilt Home

9/7/2010

Posted on 9/7/2010 by

Today, millions of consumers are investing in homes that are not yet built. Some consumers don't realize, however, that buying a home before it's been built is a lot different from buying an existing home. Weather may delay construction and closing. Mortgage rates could shoot up. The builder could take shortcuts or make mistakes that could later cost you money.

To avoid problems such as these, the Better Business Bureau suggests the following steps:

Zero in on land plans. How can you find out what you're getting into when you buy the ninth house built in a 200-home development? Ask the town's land planner about current zoning requirements and any proposals that have been submitted to develop nearby land.
Visit the developer's earlier projects to check out the quality of the community centers, landscaping, and other amenities. Ask residents if the developer delivered what was promised. Contact your BBB to locate trustworthy developers.
Check out the homeowners' association. In large metro areas, at least half of new home sales include membership in a homeowners' association, according to the Community Associations Institute. Ask for a copy of the association's rules as soon as you're seriously interested in buying. Find out how much the association fee is.
Carefully scrutinize the contract, and consider legal review before signing. Make sure any upgrades are included in the contract. Also, add a statement to the contract allowing you to visit the site at several designated times. Keep your deposit check as small as possible. That money is at risk until you and your family move in.
Inspect the finished product. Before you take delivery of the property, give the new house a top-to-bottom examination yourself and consider bringing along an experienced new-home inspector with you.

Protect your mortgage rate. As the closing date approaches, you'll want to lock in your interest rate. If delays occur, talk to your lending institution. It may agree to extend your rate lock-in. If that doesn't work, ask the lender to close the loan and hold some of the money in escrow until the appraiser verifies the home is complete.

Three Easy Steps to Dispose of Office Electronics Safely

9/7/2010

Posted on 9/7/2010 by

“When tossing old electronics you need to consider both the environmental and data security concerns,” said Doug Broten, president of BBB serving Central California. “Computers, cell phones and copiers not only contain toxic chemicals that can pollute the environment, they also contain a wealth of information that data thieves would love to get their hands on.”

BBB recommends taking the following step to ensure that all hazardous and data sensitive office equipment is disposed of the right way:

Step 1: Identify hazardous and data-sensitive electronics

The following office equipment contain toxic materials or sensitive data and should be recycled responsibly and not just tossed into the garbage:

Computer CPUs
Mobile phones
Copiers, Printers and Fax Machines
Monitors, Keyboards, Speakers and Mice
Landline phones
Computer cables and wires
TVs, VCRs, DVRs and stereos

Step 2: Destroy Sensitive Data

Computers: You can purchase inexpensive software to wipe a computer’s hard drive, but the data could still be retrievable to a determined person. If you have extremely sensitive information that you don’t want getting into anyone’s hands, the most secure way of destroying the data is to remove and physically destroy the hard drive.
Copiers and Printers: Copiers and printers have internal hard drives that save digital copies of the documents it has printed. Consult the manual to find out how to wipe the memory; you can also use third-party software to overwrite the hard drive. The most secure way of erasing data is to physically destroy the hard drive—as long as you don’t lease the product. If you lease, consult with the company on how your data will be erased.
Mobile Phones: Consult the owner’s manual or search online for directions on how to wipe the phone’s memory. Remove the SIM card if your phone has one.

Step 3: Dispose Properly

Donate – Schools, charities and community organizations can use your electronics—such as computer equipment, phones, copiers and printers—as long as they are in proper working condition. Your donation may even be tax deductible.
Recycle – There are many companies across the country that break down and recycle old electronics for free. They usually have drop off locations or you may even be able to schedule a pick up if you have many heavy items. To locate a BBB Accredited e-cycler visit www.bbb.org/us/bbb-accredited-businesses. Many states also offer e-cycling programs—some of which are mandatory. A list of state programs are available on the EPA’s web site: http://www.epa.gov/osw/conserve/materials/ecycling/live.htm
Return – Some manufacturers including Cannon and Apple and even retailers such as Best Buy and Costco provide “take back” programs to help customers recycle their old products safely and cheaply. Every major cell phone carrier will also take your old cell phone and donate it to a charity or have it disposed of properly. The EPA has a list of manufacturer and retailer programs online at http://www.epa.gov/epawaste/conserve/materials/ecycling/donate.htm
Resell – While more labor intensive, you may be able to make a little money selling your electronics through auction websites or online classifieds. Be wary if any buyers overpay or ask you to wire money for any reason.

For more small business advice on how to manage data check out Data Security – Made Simpler at www.bbb.org/data-security

Don’t Get Taken by a Modeling Scam

9/1/2010

Posted on 9/1/2010 by

Whether you’re interested in a modeling career, just want to make a few extra bucks or you think your child might have a future in acting or modeling, be on the lookout for scammers. The Better Business Bureau warns that some modeling agencies are just trying to make a fast buck and don’t deliver on promises of fame and fortune.

In the last three years, would-be models have researched agencies with the BBB more than half a million times. Unfortunately, BBB also received more than 2,000 complaints from people who feel they were misled by an agency into paying large upfront fees—often for headshots and portfolios—and received little or no modeling or acting work in return.

“Modeling can be a great way to supplement your income, but signing up with a deceptive talent agency can be a waste of time and money or, in the worst case scenario, put you in physical danger,” said Alison Southwick, BBB spokesperson. “Even if the agency tells you that you have ‘the look’, always take the time to do your research and don’t fall for empty promises.”

Common complaints to BBB about talent and modeling agencies often come from would-be models or parents who think their kids have star potential. Typically, they are told they need to pay upfront fees—such as for headshots—after which the agency will start finding them work. Complainants report that despite paying hundreds or even thousands of dollars in various upfront fees, the agency found them few, if any, jobs.

In an extreme example of a modeling agency opportunity gone horribly wrong, the BBB in Louisville has received complaints from local men who paid hundreds of dollars in upfront fees—or became indebted for these fees—to Models Today in exchange for the promise of landing modeling jobs. Instead, the young men stated that the owner, Russell Claxon, took shirtless photos of them in a park and never set them up with any jobs. Several complaints to BBB made reference to solicitation for prostitution or inappropriate sexual propositions and one victim told a local newscast that he was prostituted out by Claxon.

Before signing up with a modeling or talent agency:

Do your research – Always check the company out with your Better Business Bureau. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the company meets those requirements if applicable.

Beware of big promises and high pressure sales pitches – In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and big earnings or uses high pressure tactics to get you to sign up without thinking it through first.

Read the fine print and get everything in writing – Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.

Get references – Ask for references from other satisfied clients who have a similar background and qualifications.

Complain if you’ve been ripped off – If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB, State Attorney General and the FTC.

For more advice on finding businesses and services you can trust, go to http://www.bbb.org/us/Consumer-Tips/.

BBB Warns Public about Fraudulent, Aggressive Collection calls

8/30/2010

Posted on 8/30/2010 by

Consumers report being threatened with arrest

The Better Business Bureau (BBB) has received reports of fraudulent and aggressive collection calls targeting area consumers. In some cases, consumers have been threatened with arrest if they don’t pay off alleged debts immediately.

The BBB urges the public not to be intimidated by debt collectors or people claiming to be debt collectors, and to keep in mind they have rights under the Fair Debt Collection Practices Act (FDCPA). Under that Act, debt collectors may not harass, oppress, or abuse debtors or any third parties they contact, nor can they state that anyone will be arrested if they don’t pay their debt.

Consumers who have reported these calls to the BBB have all either received or applied for a payday loan. However, all have stated that when they received these collection calls they were either not behind on their loans or had decided not to receive a payday loan. They also stated that when they contacted the payday loan companies they worked with, they were told these companies were not aware of or affiliated with any collection efforts. Some consumers have said the people making these collection calls had heavy foreign accents.

The fraudulent debt collectors, who have claimed to be both the Law Group of California and the Cyber Crime Unit of California, seem to have sensitive personal information of the people they’re calling. In one case, they had the last four digits of the consumer’s bank account and Social Security number. It’s unclear how this information was obtained. The Law Group of California (DBA United Attorney Services) has an F rating with the BBB of Los Angeles. http://los-angeles.bbb.org/Business-Report/United-Attorney-Services-100096503

Consumers who receive aggressive calls like this are advised to retain their composure. Don’t be bullied or pressured into sending the company a payment. Check the company’s Reliability Report with the Better Business Bureau at www.bbb.org and also check to make sure the company has proper state licensure. In addition, consumers should keep the following in mind:

Within five days after you are first contacted by a debt collector, the collector must send you a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money and what action to take if you believe you do not owe the money.
If you send a letter to the collection agency disputing that you owe the money within 30 days of receiving a collection notice, the debt collector cannot make further collection efforts until you receive proof of the debt. If you cannot obtain an address by which to contact the collection agency in writing, you may be the target of a scam.
You can file a complaint with the BBB, the FTC (www.ftc.gov) or with your state’s Attorney General’s Office.

For more information on collection agencies and your rights under the Fair Debt Collection Practices Act, go to: http://www.bbb.org/us/article/4732

Austin Dog Breeder Earns F Rating from Better Business Bureau

8/30/2010

Posted on 8/30/2010 by

Austin Dog Breeder Earns F Rating from Better Business Bureau

Multiple Disputes Allege Poor Health of Purchased Puppies and Mislabeled Breeds

BBB has issued an F rating to local dog breeder, Amanda’s Puppies, due to failure to resolve consumer disputes. According to customer complaints filed with BBB, the Austin-based company advertises and sells puppies on the Internet at www.maltipoopup.com for as much as $950. The owner of the company, Amanda Schnell, has responded to one consumer dispute, but others remain unresolved.

According to BBB files, consumers are asking Amanda’s Puppies for a refund because the dog they purchased became ill shortly after they received the puppy. According to the purchase agreement, puppy buyers have four days to return the puppy, along with a written assessment from a licensed veterinarian, in order to receive a replacement at the discretion of Amanda’s Puppies. While Amanda’s Puppies does recommend that all puppies be examined immediately, consumers allege that Schnell is slow to respond to consumer correspondence about illness symptoms during the four day guarantee period. Two of the dogs have died from the illnesses diagnosed.

Other consumer disputes filed against Amanda’s Puppies allege that the company mislabeled the breed of the puppies sold. The company has not responded to either of these complaints.

BBB contacted Amanda’s Puppies on August 13, 2010 to discuss the unanswered disputes and address concerns that these disputes are beginning to form a pattern. The company’s owner, Amanda Schnell, responded by stating she “do[es] not own a registered business” and asked BBB to “not contact [her] about business matter[s].” Click here to view the company’s current BBB Business Review.

Identify Red Flags of Dog Breeders:

· The breeder lacks knowledge about the breed. Every breed of dog has different physical and behavioral traits. If the breeder cannot provide basic information such as how big the dog will grow, possible health concerns that may arise later in its life and how it usually interacts around other dogs and children, consider purchasing from a different breeder.

· The breeder does not let you observe the puppies. It is important to see how a puppy is taken care of before you purchase it. If the breeder will not allow you to tour the kennels, it may be a sign that living conditions may be less than adequate. Request to see the parents of the puppy as well to make sure they are in a healthy state.

· The breeder does not have references or paperwork. A reputable breeder should be able to provide a list of satisfied customers as well as veterinarian paperwork for the puppy you are interested in. The breeder should also have a membership record with the American Kennel Club, the Continental Kennel Club or the United Kennel Club, which maintain a code of ethics for breeders.

· The breeder does not ask you questions. A responsible breeder will want to know if you have had other pets, whether you have children, if you rent or own or live in a house or apartment with a fenced yard. The breeder may ask if you are familiar with dog laws in your community and whether you are aware of the costs involved with owning and maintaining a pet. It should be just as important to them that their puppies find a good home as it is for you to find a good breeder.

To check the reliability of a company and find trustworthy businesses, visit BBB.

About BBB:
BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.

Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

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BBB Warns Consumers to Watch for Mystery Charges from iEarn, LLC

8/24/2010

Posted on 8/24/2010 by
Mysterious charges of about $65 to $68 from iEarn, LLC, are turning up on credit card and bank accounts across the U.S., according to recent complaints to the Better Business Bureau. Some complaints allege that accounts have been charged more than once by the Coppell, TX-based business. Now the business is operating as Success Funding Now.

A woman in St. Paul, MN, complained: “A bill of $65.32 appeared on my credit card statement … I have never heard of let alone done business with this company and wonder where they got my credit card information. I am disputing the transaction through the credit card company but it concerns me that I have never heard of this company before yet they are billing me for what???”

The first complaint was filed with the BBB in late July, 2010, and a month later there are 19 complaints. The complaints are from California, Indiana, Kansas, Maryland, Michigan, Minnesota, Nebraska, Ohio, Utah, and Wyoming. The BBB sent the complaints to the business, but so far there’s no response from the business.

iEarn, LLC, now operating as Success Funding Now, is not a BBB Accredited Business. The business has a BBB rating of F, on a scale from A+ to F. Reasons for this rating include:

BBB concerns with the industry in which this business operates.
Length of time business has been operating.
BBB does not have a clear understanding of this business.

“The BBB urges consumers to check their credit card and bank accounts frequently for any unauthorized charges,” said Jeannette Kopko, BBB spokesperson. “The unexpected and unexplained charges from iEarn, LLC, now operating as Success Funding Now, are not just an inconvenience to the consumers whose accounts have been charged. The BBB is concerned that the charges may be fraudulent.”

Complaints report that not only is it a mystery where the charges come from, but also the business isn’t answering the phone or replying to emails.

A man in Phillipsburg, KS, said: “On 7-22-2010, $65.32 was charged to my credit card without my approval. When calling the number on my statement I got a recorded message that said due to a large volume of calls any questions would have to be handled by email and they would get back to me within 24 business hours. If I wanted to cancel I would have to give them the last 4 digits of my credit card, which I will not do. I have emailed them twice over the last 7 days and have had no response … “

One clue about the charges can be found on the Web site for Success Funding Now. The site offers a “coaching program” for small businesses, consisting of “educational tools and training needed to help you stay on the cutting edge of knowledge and profitability …” The program is “only $68.74” which “will get you 60 days of access to our Hotline for continued support from our coaches.”

Adding to the mystery, consumers report they’ve been charged varying amounts of $65.32, $67.34, or $68.74.

A woman in Muskegon, MI, was surprised with two $67.34 charges: “I realized while trying to get cash back with a purchase at my local grocery store that there wasn't enough funds to get the cash back I wanted. I called my card company and requested my last transactions. That's when I was given the information of the charges made to iEarn LLC. There are 2 charges of 67.34 completed on the same day.”

The BBB advises consumers that any unauthorized charges on credit cards or bank accounts should be investigated promptly. If the business does not resolve the problem, take these steps:

Contact your credit card company to dispute the unauthorized charge. For an unauthorized debit on your bank account, contact your bank. You may want to consider reporting the charge as fraud to your credit card company or bank, and to your local police department.
Continue to keep an eye on your account. Additional unauthorized charges could turn up.

You may want to talk to your credit card company or bank to see if there are additional steps you can take to protect the account from future unauthorized charges.

File a complaint about unauthorized charges with the BBB. See www.bbb.org.

Report the unauthorized charges to the office of the Attorney General in your state. For a list, visit http://www.naag.org/current-attorneys-general.php.

For tips on identity theft or to report suspected identity theft, contact the Federal Trade Commission (FTC). On the Internet, visit http://www.ftc.gov/bcp/edu/microsites/idtheft/. Or call toll-free 877-438-4338.

To check out a business, find BBB Accredited Businesses, or file a complaint, start at www.bbb.org.

Fake Soldiers on Social and Dating Web site….Beware!

8/19/2010

Posted on 8/19/2010 by

Scammers pretending to be members of the military are wooing women on internet dating and social networking sites…but they aren’t looking for love – they are looking for money.

According to the U.S. Army Criminal Investigative Command, these scammers are using real military photos to create fake profiles and they have received hundreds of complaints in the last year about the scam. Some scammers have even used photos of military members that have passed away.

The Command reports that con artists build relationships with women and then start asking for money for things like internet use, phones, leave papers, money to enable them to come visit the victim, etc. Once the woman sends the money, they never hear from the man again.

“To systemize a scam based on someone’s pure emotion and admiration for our troops is extremely appalling,” said Doud Broten, President and CEO of the BBB Serving Central Califronia. “While the environment of online dating has become very popular, it has simultaneously become much too trusting.”

Many of these emails have been traced back to foreign cyber-cafes in Africa but the individuals operating these scams are difficult, if not, impossible to track down.

At least one local dating service has seen this scam on their radar so be careful when on such a Web site and never, ever send money to someone you’ve never met.

If you feel you may have been a victim of such a scam, report it to the Internet Crime Complaint Center: www.ic3.gov / 800-251-3221 and the Federal Trade Commission: www.ftc.gov / 1-877-438-4338.

Beware of Fake Soldiers on Social & Dating Websites

8/19/2010

Posted on 8/19/2010 by

Scammers pretending to be members of the military are wooing women on Internet dating and social networking sites, but they aren’t looking for love --- they are looking for money.

According to the U.S. Army Criminal Investigative Command, these scammers are using real military photos to create fake profiles and they have received hundreds of complaints in the last year about the scam. Some scammers have even used photos of military members that have passed away.

The Command reports that con artists build relationships with women and then start asking for money for things like Internet use, phones, leave papers, money to enable them to come visit the victim, etc. Once the women send the money, they never hear from the “man” again.

“To play on someone’s emotions and respect for the military is extremely appalling,” said Carol Odell, CEO of the Southern Colorado BBB. “Online dating is popular. Scam artists know that. So, be cautious when using this service. Don’t be too trusting.”

Many of these e-mails have been traced back to foreign cyber-cafes in Africa, making it difficult to track down the individuals operating these scams.

Dating services have seen this scam on their radar so be careful when on such websites and never, ever send money to someone you’ve never met.

If you feel you may been a victim of such a scam, report it to the Internet Crime Complaint Center: www.ic3.gov or (800) 251-3221 and the Federal Trade Commission: www.ftc.gov or (877) 438-4338.

Beware of Fake Soldiers on Social and Dating Websites

8/19/2010

Posted on 8/19/2010 by
Scammers pretending to be members of the military are wooing women on Internet dating and social networking sites, but they aren’t looking for love --- they are looking for money.

According to the U.S. Army Criminal Investigative Command, these scammers are using real military photos to create fake profiles and they have received hundreds of complaints in the last year about the scam. Some scammers have even used photos of military members that have passed away.

The Command reports that con artists build relationships with women and then start asking for money for things like Internet use, phones, leave papers, money to enable them to come visit the victim, etc. Once the women send the money, they never hear from the “man” again.

“To play on someone’s emotions and respect for the military is extremely appalling,” said Doug Broten, CEO of the BBB serving central California. “Online dating is popular. Scam artists know that. So, be cautious when using this service. Don’t be too trusting.”

Many of these e-mails have been traced back to foreign cyber-cafes in Africa, making it difficult to track down the individuals operating these scams.

Dating services have seen this scam on their radar so be careful when on such websites and never, ever send money to someone you’ve never met.

If you feel you may been a victim of such a scam, report it to the Internet Crime Complaint Center: ic3.gov or (800) 251-3221 and the Federal Trade Commission: ftc.gov or (877) 438-4338.

Scam Alert -- Websites Sell SSNs as Credit Score Fixers

8/18/2010

Posted on 8/18/2010 by
With the economic downturn many people have seen their finances and credit scores go south. A poor credit score can make it hard to rent an apartment or do any number of things essential to daily living. So an online ad offering a credit protection number (CPN) to clean up your credit score may sound like the perfect solution. The problem is that the CPN is really a stolen Social Security Number (SSN), often belonging to child.

According to an August 2nd, 2010 AP article, scammers use computers to find random SSNs, and then check to see if anyone is using those SSNs to obtain credit. If the numbers are dormant, the scammers offer them to customers looking to improve their credit scores, charging from several hundred to several thousand dollars. The customer isn’t told he is buying someone else’s SSN; rather he is told that he is paying for a CPN – a credit-profile, credit-protection or credit-privacy number that will help him raise his credit score to over 700 in 6 months.

The AP article states: “because the numbers often come from young children who have no money of their own, they carry no spending history and offer a chance to open a new, unblemished line of credit. People who buy the numbers can then quickly build their credit rating in a process called ‘piggybacking,’ which involves linking to someone else's credit file.”

Customers are told to use their real name and date of birth with the CPN, but to avoid listing any address or phone number that could connect them to their own current bad credit report. Because it’s unlikely that a child’s credit report will be checked before age 18, the customer using the CPN likely has a number of years before the fraud will be discovered. If you see one of these offers, don’t respond! You may be participating in a fraud.

If you have children, it’s a good idea to go to www.annualcreditreport.com now, no matter what their ages, and see if their credit reports are blank, as they should be. And check back annually. You don’t want your children to find out at age 18 that they have terrible credit reports thanks to someone else buying a CPN and wrecking their credit.

BBB Warns Against Five Scams Targeting Senior Citizens

8/17/2010

Posted on 8/17/2010 by

Fraud targeting senior citizens is a growing concern as millions have fallen victim to scammers. Better Business Bureau encourages families to keep the lines of communication open with their elders regarding finances and to recognize some common cons targeting senior citizens.

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older-- have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

“Having a serious conversation with your elderly parents about how they are managing their money is not easy, but it is extremely important in order to help protect them from unscrupulous crooks,” said Doug Broten, President of BBB serving Central Ca. “It’s extremely important to keep the lines of communication open so that you can identify suspicious spending habits, as well as educate your elder family members on recognizing the red flags of common cons.”

BBB warns against the following five scams that commonly target senior citizens:

Sweepstakes and Lottery Scams –Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

· BBB Advice: Never wire money to someone you don’t know. You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice – Find professionals you can trust by checking out BBB’s directory of Accredited Businesses. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: www.bbb.org/us/consumer-tips-scams/

BBB Takes Mystery Out Of Buying Auto Insurance

8/12/2010

Posted on 8/12/2010 by
Fender benders and other vehicle mishaps result in billions of dollars in property damage, medical and legal bills as well as lost income for motorists every year. The right insurance policy can protect consumers from serious financial losses – and keep them in compliance with laws in states that require motorists to carry insurance.

The Better Business Bureau (BBB) advises consumers to make sure they understand the coverage they’re buying so they avoid buying coverage they don’t need – or fail to purchase coverage that will protect them in case of a serious accident. Consumer complaints about coverage often concern delays in handling claims or misunderstandings about billing, so it pays to read policies carefully and check to see if others have filed complaints with the BBB.

The basic types of coverage include:

Bodily Injury Liability. Pays your legal defense costs and claims against you if your car injures or kills someone. Covers family members living with you and others driving with your permission.
Property Damage Liability. Pays your legal defense costs and claims against you if your car damages another's property. Does not cover your property, including your auto.
Medical Payments or Personal Injury Protection. Pays medical expenses resulting from an accident for you and others riding in your car. Also pays for you or your family members injured while riding in another's car or while walking.
Collision. Pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of who was responsible.
Comprehensive Physical Damage. Pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.
Uninsured or Underinsured Motorist. Pays for costs related to injuries or property damage to you or your family members and guests in your car caused by an uninsured, underinsured, or hit-and-run driver.

Consumers can save money on their policies by comparison shopping and by buying insurance that matches the type of vehicle they own, their driving habits and their financial situation. Some ways to save include:

Ask for Higher Deductibles. Deductibles represent the amount of money you pay before your insurance company fulfills a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your insurance costs substantially.
Drop Comprehensive and/or Collision Coverage on Old Cars. It may not be cost effective to have collision or comprehensive coverage on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts.
Buy a "Low Profile, Low Maintenance" Car. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.
Low Mileage Discounts. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
Automatic Seat Belt and/or Airbag Discounts. Some coverages provide discounts if you have automatic seat belts and/or airbags.
Anti-Lock Brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states require insurers to give discounts for cars equipped with anti-lock brakes while some insurers have a nationwide discount in place.

Ask the insurance company about other discounts you or your family may qualify for, such as discounts for good students, accident-free drivers, driver training courses or having more than one car insured with the company.

Before you buy, check with the BBB for a Reliability Report on a company by going to www.bbb.org or by calling 800-675-8118.

Be smart when it comes to door-to-door sales

8/9/2010

Posted on 8/9/2010 by

Dear Action Line:

We live in a quiet neighborhood, away from busy areas. This summer, for the first time in many years, we have had several door-to-door sales people coming to our home. They have ranged from teenagers to a gentleman in his early 70s (he bragged about his age) and all have been fairly pushy about taking "I'm not interested" for an answer. Three of them were selling magazines, supposedly to earn money for college scholarships, a couple of them were selling alarm systems and one guy was even offering meat for sale out of his trunk. I thought soliciting was illegal. Are these people legitimate or are they travelling scam artists thinking they will make an easier score face-to-face?

Dear Reader:

The BBB has been getting several calls lately about increased door-to-door sales activities and most consumers have reported suspicions about the individuals involved.

There was a time when the Fuller Brush man (funny, it just occurred to me that I've never heard stories of the Fuller Brush woman) and the Avon Lady were welcome fixtures in neighborhood homes. But that was in a different, safer time before identity theft and scams were lurking around every corner.

Today, you are right to be concerned about strangers knocking on your door. Remember, you are under no obligation to open your door to people you do not know.

If you do decide to do business with door-to-door reps, keep in mind that, while not everyone is a con artist, it is unwise to buy anything without checking on the company first.

According to the Bakersfield City Treasurer's office, anyone selling door-to-door in Bakersfield, regardless of age, is required to have a copy of their company's business license with them.

Click here for the full article on published by the Bakersfield Californian's Action Line.

Smarter Living with your BBB comes to Merced on August 10 and to Clovis on August 14

8/6/2010

Posted on 8/6/2010 by

The Merced Senior Community Center will be the place to be on Tuesday, August 10 as your BBB hosts Smarter Living from 10 a.m. to 2 p.m. The Center is located at 755 W. 15^th St.

GNC is the event sponsor for the Smarter Living event at Sierra Vista Mall, 1050 Shaw Ave., on Saturday, August 14 from 10 a.m. to 3 p.m.

Consumers will have the opportunity to learn more about how to deal with complaints about automotive services, consumer affairs, local health and well-being services and organizations as well as social security benefits and much more. This is a great place to discover the many great services and programs available to the citizens of Merced.

The events are FREE and open to the public. Call 222-8408 for more information.

Sponsors for the Merced event include Volvo Rents and Rabobank. In addition to event sponsor GNC, sponsors for the Clovis event include Spherion and First California Federal Credit Union.

You Too Can Donate Like a Billionaire

8/6/2010

Posted on 8/6/2010 by

BBB Wise Giving Alliance recommends donors research charities fully before they give—just like billionaires do

Forty billionaires have pledged to donate a substantial portion of their wealth to charity with the hope of inspiring others to donate to worthy causes as well. While the dollar amount might be less, the BBB Wise Giving Alliance encourages everyone to give like a billionaire by researching any charity fully before making a donation.

“Every experienced philanthropist has a thorough process for vetting charities in order to determine which worthy causes will be able to stretch their dollar the farthest,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “While we aren’t all billionaires, we can all give like one. Evaluating the effectiveness of a charity is more than just looking at the fundraising and administrative costs. Transparency, impact, and accountability are also important factors that everyone should consider before they give.”

The BBB Wise Giving Alliance recommends the following five steps to give like a billionaire:

Take the time to check the organization out with the BBB Wise Giving Alliance and the local charity registration office (usually a division of the state attorney general's office). Don’t be pressured to give before you do your research.
Consider more than just the charity’s finances. Impressive financial ratios are not a guarantee that a charity is being run ethically and effectively. Review the BBB’s Standards for Charity Accountability to identify fundamental features of an accountable organization.
Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization. Sometimes name similarity is used as a ruse to confuse the potential donor.
Watch out for appeals that focus solely on a problem but don’t clearly explain what the charity intends to do about it. The charity’s intended program activities should be spelled out.
If you want to consider donating to a newly established charity, take the time to review the charity’s program plans including its board approved budget. Make sure that it has the capacity to be able to follow through on its intended objectives.

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving Reports^TM– are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

Complaints to BBB about Satellite TV Reveal Common Customer Grievances over Terms of the Agreement

8/4/2010

Posted on 8/4/2010 by
Before signing up with a satellite provider, read the contract closely to avoid unexpected charges

In the past three years, more than 53,000 customers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DirecTV and 13,000 filed against Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

Following are examples of common complaints BBB receives about satellite TV providers:

Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.
Introductory Offers – Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.
Billing issues – Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.
Service issues – Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.
Upgrades Resulting in Contract Extension - Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, BBB recommends that customers:

Get it all in writing – Don’t just take a salesman, installer or customer service representative’s word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.
Read the terms and conditions carefully – Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.
Check every bill closely – The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.
Mark your calendar – Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.
File a complaint with BBB – Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with your BBB. Both Dish Network and DirecTV consistently respond to complaints and BBB has been able to help consumers receive refunds in many cases.

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Smarter Living with your BBB will take place in Merced on August 10

8/4/2010

Posted on 8/4/2010 by

The Merced Senior Community Center will be the place to be on Tuesday, August 10 as your BBB hosts Smarter Living from 10 a.m. to 2 p.m. The Center is located at 755 W. 15^th St.

The event is FREE and open to the public. Call 383-3590, ext. 332 for more information.

Mortgage Choices

8/2/2010

Posted on 8/2/2010 by

You've found the house of your dreams and now all you need is a loan. With dozens of competing lenders and mortgages to choose from, you may think that today's home loan market is very confusing. The challenge is to match the mortgage to your personal situations Though many mortgage choices are available, they all fall into two categories: fixed, in which the interest rate and sometimes the payments do not vary, and adjustable/variable, in which they do. There are also a number of "creative financing" alternatives that can be combined with either fixed or adjustable rate mortgages including shared appreciation, wraparounds, assumable loans, seller financing, "convertible" mortgages and/or buy-downs.

For years the fixed rate mortgage (FRM) was the most popular choice among home buyers and sellers. The advantage is that neither the interest rate nor the monthly payment changes. FRMs are no longer limited to 30 years. Other variations include 10, 15 and 20 year maturity periods, which can save you a substantial amount of money, and bi-monthly and bi-weekly mortgages, which will shorten the term of your loan.

An adjustable rate mortgage (ARM) is popular because of the lower initial interest rate, as compared to an often higher interest rate for fixed-rate financing. The lower interest rate makes it easier to qualify for a loan because less income is needed. In addition, the lower interest rate may allow you to borrow more money and purchase a larger or nicer home. ARM borrowers, generally, are not "locked-in" to high marketplace interest rates that may occur at the time they obtain their loans, since ARMs will decrease if rates decrease. Also, if you only expect to live in your house for three to five years, an ARM may be the best choice because the initial interest rates are lower. On the other hand, an ARM does not allow the borrower to anticipate precisely what mortgage costs will be over the life of the loan. At each adjustment period, your ARM interest rate and monthly payment may change. As a result, it may be difficult to plan your finances.

The Better Business Bureau suggests you shop around. Check with financial institutions in your area to see which variations are offered and which fit within your spending plan, and check on the reliability of the mortgage lender before signing any contract.

BBB Small Business Advice: Writing a Privacy Policy

8/2/2010

Posted on 8/2/2010 by

Online privacy policies have taken center stage as social networking sites and search engines have recently come under fire for sharing user information. Even if you think your business is too small to merit a privacy policy, the Better Business Bureau advises that if you have a website, you will benefit by having a comprehensive privacy policy.

“Privacy policies are about transparency and are key to building trust between your business and your customers,” said Alison Southwick, BBB spokesperson. “While it’s easy to get intimidated by the scope and legalese, the bottom line is, you will increase consumer confidence in doing business on your website if you have a clear privacy policy.”

When drafting your website’s privacy policy, BBB recommends using simple language to answer the following five questions:

What information do you collect? – Outline the types of personal information that you collect from customers. This includes home address, e-mail, phone numbers and credit card numbers.

How do you collect the information? – Websites collect information from customers in many different ways. Even if you don’t actually sell goods through your site you might have an e-mail sign-up for a newsletter, an application for credit or install cookies on the visitor’s computer to track their activities. Disclose how data is being collected to show you have nothing to hide.

How do you use the information? – Include background on how you share customer information with third parties such as to process orders. If you sell customer information to marketers, explain what information is sold and how it could be used.

What control does the customer have over their personal information? – Customers need a way to contact your business and control their personal data, whether it’s changing a password on their account or taking their name off of a mailing list. Plan to include a direct phone number or e-mail address that customers can use to manage their information.

How do you protect the information? - Explain how you protect customer data including, but not limited to, website encryption, limiting employee access to sensitive customer data, and server security.

There is no cookie-cutter privacy policy. Your business is unique and your privacy policy should reflect that. Seek legal guidance before you finalize your policy. You are legally liable if you fail to abide by your privacy policy statement or if the statement does not comply with local and national laws.

As your business changes, so should your privacy policy. Plan to revise your policy as your web activities evolve and alert customers when you make revisions affecting their personal data.

For additional free advice on keeping customer data safe visit BBB’s Data Security -- Made Simpler.

Watch Out For Common Scams Targeting Seniors

7/30/2010

Posted on 7/30/2010 by

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older--already have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

BBB warns against the following three scams that commonly target senior citizens:

Sweepstakes and Lottery Scams –Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

BBB Advice: Never wire money to someone you don’t know. You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice – Find professionals you can trust by checking out BBB’s directory of Accredited Businesses. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: www.bbb.org/us/consumer-tips-scams/

Phishing attack continues to use BBB name as bait:

7/28/2010

Posted on 7/28/2010 by

Beware of fake complaint reports coming from cencal.bbb.org

The Better Business Bureau is warning businesses to beware of a continuing campaign of malicious e-mail that pretends to be from the BBB about a complaint filed against the company. The e-mail first came to the BBB’s attention on April 12, 2010.

The body of the e-mail claims that the company did not respond to a complaint filed by a Jason Harlow (however, other names may be used) and includes a link to a page at www.cencal.bbb.org where the business can supposedly review the complaint.

Because the message is fraudulent, the BBB advises any business that receives this e-mail to take the following steps:

Do not click on any links or reply to the message,

Forward the message to phishing@council.bbb.org,

Completely delete the message from your inbox,

Run a full virus scan on your computer if you did click on any links.

For more advice on how to protect your business from malicious online attacks and data breaches visit www.bbb.org/data-security/.

A copy of a current e-mail follows:

----------Original Message ----------

From: Better Business Bureau [mailto:seatac@bbb.org]
Sent: Friday, July 23, 2010 5:14 PM
To: William R. Tichenor
Subject: BBB Complaint Case #842548250 (Ref #96-3157080-65033480-5-164)

BBB CASE #812091498

Complaint filed by:

Jason Harlow

Complaint filed against:

Business Name:	Tichenor and Associates LLP
Contact:	William Tichenor
BBB Member:	YES

Complaint status:

Open

Category:

Contract Issues

Case opened date:

07/23/2010

Case closed date:

Pending

Please click here to access the complaint

On July 23 2010, the consumer provided the following information: (The consumer indicated he/she DID NOT received any response from the business.)

The form you used to register this complaint is designed to improve public access to the Better Business Bureau of Consumer Protection Consumer Response Center, and is voluntary. Through this form, consumers may electronically register a complaint with the BBB.Under the Paperwork Reduction Act, as amended, an agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a currently valid OMB control number. That number is 203-683.

BBB debunks cell phone spam myth

7/26/2010

Posted on 7/26/2010 by

Have you gotten an email forwarded to you by one of your friends lately saying that one day very soon the list of all cell phone numbers is going to go public and you will be spammed by unwanted sales calls? Actually, it’s not going to happen.

There are some rumors that just will not die, and this is one of them. Since at least 2004, there’s been an email making the rounds that says that all cell phone numbers are about to go public and be released to telemarketers. According to the email, you will be spammed by sales calls (and they will go on your cell phone bill) unless you call a special number at the national Do Not Call (DNC) Registry to get your cell phone number blocked for the next 5 years.

So, what’s the real deal? Well, there is a national DNC Registry, and there’s no harm in registering your cell phone number on it, but there is NO national release of cell phone numbers scheduled or planned. According to the Web site snopes.com, this rumor started several years ago when some of the major wireless companies planned to create a 411 national directory. In the end, the directory never happened – but the rumor that it’s out there and telemarketers will soon have access to it just won’t go away.

The Federal Trade Commission (FTC) has a special Web page http://www.ftc.gov/opa/2007/02/dnccellphones.shtm about this story-that-will-not-die. On it they say that:

Cell phone numbers are NOT being released to telemarketers, and you will NOT soon be getting telemarketing calls on your cell phone.
There is NO deadline to register your cell phone number with the DNC Registry.
Telemarketers are not allowed to use automated dialers to call cell phone numbers. Since that’s what most of them use, they wouldn’t be calling your cell phone number even if they had it.

There is only one DNC Registry. There is no separate one for cell phones. The DNC Registry registers both cell phones and land lines. You must call from the phone number that you want to register. If you register online, you must respond to a confirmation e-mail. And, by the way, in 2007 the FTC got rid of the 5-year expiration date on DNC registries. So once your number’s registered, you won’t have to renew it.

To put your phone number in the DNC Registry, go to www.donotcall.gov or call toll-free, 1-888-382-1222. But there’s no need to panic if you don’t get around to it today.

BBB Warns Car Shoppers about Online Dealer Scam

7/26/2010

Posted on 7/26/2010 by

Better Business Bureau is warning car shoppers to beware of websites offering too-good-to-be-true deals on repossessed cars. BBB has heard from people across the country who thought they were buying from a reputable dealer online but were actually sending money to scammers posing as legitimate, already-established community dealerships.

“Because scammers essentially steal the identity and good name of real auto dealers, car shoppers will think that they’re buying a car from a reputable business,” said Doug Broten, President of the Better Business Bureau serving central California. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

Most recently, one Memphis auto dealer, America Auto Sales (www.memphisautoworld.com), received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the website of the Memphis dealership. The phony website used the name, address and contact information of the real dealer.

The fraudulent website claimed to sell repossessed cars at prices well below market. Buyers were instructed to wire a deposit—as much as $5,000—to an individual rather than the company, which, according to the phony website, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar websites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. The websites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the auspices of another legitimate dealer.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

BBB alerts consumers they may receive Census calls even if they have responded by mail

7/16/2010

Posted on 7/16/2010 by

As the 2010 Census draws to a close, the Better Business Bureau has been informed by the U.S. Census Bureau that they will be calling 7.5 million citizens to verify census information. The calls are in addition to home visits and are supposed to be narrow in the scope of the questions asked and are meant to clarify or verify unclear information on an individual’s returned census form.

The callers are required to identify themselves as working for the U.S. Census Bureau and that the purpose of their call is to help the Census Bureau take the most accurate census and to ensure everyone has been counted at the right address.

It is important to the future funding of our communities to participate in the 2010 Census and to provide accurate information. It is equally important to protect yourself against identity theft. If you feel you have been contacted by a counterfeit Census taker, if you receive repeated phone calls or if you have concerns about the questions asked by the interviewer, please contact your local BBB office at 800-675-8118.

According to the official Census Bureau web site (http://2010.census.gov/2010census/take10map/), consumers should also be aware of the following:

•The caller ID will likely show “U.S. Census Bureau.” If this text is not supported (such as on a cell phone), then the inbound toll-free number should show up. The exact number depends on the language skill for which the call is made. If a household would like to confirm they have been contacted by the Census Bureau, they can call one of the telephone numbers listed on the site and use the eight-digit case identification number they were provided to complete the interview. The interview will take approximately 10 minutes.

For consumers without internet access, those Census Bureau numbers are:

English: 866-851-2010

Spanish: 866-859-2010

Russian: 866-848-2010

Korean: 866-874-2010

Vietnamese: 866-863-2010

Chinese: 866-881-2010

TDD: 866-784-2010

•2010 Census takers will not ask you for your social security number, bank account number or credit card number.

•2010 Census takers never solicit for donations and will never contact you by e-mail.

•2010 Census takers will not ask about your citizenship status.

•The information collected over the phone, as well as provided on the census form or to a census worker in-person, is kept confidential by law, Title 13, U.S. Code - which is the same law that protects all information provided to census employees.

# ##

Air Conditioning Service and Maintenance

7/14/2010

Posted on 7/14/2010 by

While cleaning out your closets and clearing the yard in your spring cleaning efforts, don't forget a favorite summer convenience, your central air conditioning system. The best time of year to ensure that your air conditioning unit is running efficiently is in the spring when companies may offer special deals and technicians may be more available.

Usually, for a pre-determined fee, the contractor who installed your system or another qualified service technician will come to your home and inspect your system. He or she will check the refrigerant, inspect and oil fans, and make sure that wiring and switches are operating properly. The fee will increase if the system needs repairs, refrigerant, filters, or if the ducts need cleaning.

Many contractors now offer service contracts under which they will inspect and service your cooling equipment once a year and provide emergency repair service when or if it is needed. Before purchasing a service contract, be sure to weigh its cost and coverage against the cost and likelihood of future repairs. If your system is new, it probably comes with a warranty, which is included in the purchase price of the system. If you sign a service contract, be sure that it spells out what parts and service are provided and that it doesn't duplicate coverage you already have under the warranty. Because service contracts vary significantly in coverage, compare the coverage offered by several different companies.

You may do some of the maintenance work on your own. If your system has disposable filters, check them every two months and replace when necessary. Clean permanent filters as directed by the manufacturer, and make cleaning duct outlets and registers a part of your regular housecleaning routine.

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7/14/2010

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No Credit? Bad Credit? Beware of Loan Scams, Warns Better Business Bureau

7/14/2010

Posted on 7/14/2010 by

According to complaints filed with the Better Business Bureau, victims across the country have lost a total estimated quarter million dollars to advance fee loan scams this spring. Advance fee loan scams target individuals and small business owners who are desperate to get a loan and often take the victim for thousands of dollars.

Despite recent improvements, the economy continues to provide a great opportunity for scammers to take advantage of struggling individuals and small business owners. Lending standards remain stringent at most banks and many cash-strapped individuals are turning to fraudulent lenders that promise loans regardless of your credit history.

“Schemes preying on people looking for loans are not new, and they are flourishing in an economy when so many are struggling to get by,” said Doug Broten, President of the Better Business Bureau serving central California. “The complaints received by BBB are only the vocal few and we know from experience that many more people across the country are falling for this scam every day—just when they can least afford it.”

BBB has recently received complaints about advance fee loan scammers operating under more than 75 different names including Capital Alliance Financial Group, Harford Financial Services, Howard and Clark Financial, Lending Hand Financial, among others.

Most people stumble upon the scam online or learn about the bogus loan offer from ads in local Thrifty Nickel publications and online through classified sites like Craigslist. Often, an advance fee loan scam website will be created and taken down within a couple weeks only to be replaced by another operating under a different name and fake business address.

The websites look professional and might even put the victim through the rigors of filling out loan application forms—often requiring the victim’s bank account and Social Security numbers. Eventually victims are told they are approved for the loan and just need to pay as much as thousands of dollars upfront via money order or wire transfer to pay for insurance or collateral. Those that pay, never get the promised loan and are even sometimes tricked into giving the scammers even more money.

BBB advises cash-strapped individuals and small business owners to recognize the red flags of an advance fee loan scam:

The lender has a bad reputation—or none at all. Research the lender thoroughly online and with your BBB. Most trustworthy lenders have an established track record; be wary if you can’t find much information about the lender online.

The lender is not registered in your state to do business. Check with your state financial or banking regulators.

The lender asks you to wire money or send a money order—such as for insurance or collateral—before you can receive the loan. You might be told to wire money to another country, consider this yet another red flag.

If you’ve become a victim of an advance fee loan scam, contact your local Better Business Bureau and report the incident to your police department. If you were asked to wire money to Canada, file a complaint with Canadian law enforcement by calling toll free: 1-888-495-8501 or e-mail: info@phonebusters.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. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports^® and charity BBB Wise Giving Reports^®, and educational information on topics affecting marketplace trust.

Don’t Get Sucked in By Deceptive Air Duct Cleaners

7/13/2010

Posted on 7/13/2010 by

Local ads offering a low price on air duct cleaning can seem like a great deal with minimal risk. While most companies are on the straight and narrow, Better Business Bureau warns consumers to beware of air duct cleaning businesses that employ bait and switch tactics or try to scare the homeowner into thinking they have a serious health-threatening mold problem.

According to the U.S. Environmental Protection Agency, a careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements. Complaints to BBB also show that putting your trust in the wrong company can mean spending thousands of dollars on unnecessary mold remediation services.

“Most of us aren’t experts when it comes to maintaining the mechanical components of our house and we have to rely on the opinion of the technician,” said Doug Broten, President of the BBB Serving Central CA. “Unfortunately, some companies are taking advantage of that trust by misleading customers and even lying about having a serious mold problem.”

BBB has received many complaints about one outfit — operating most recently under names like Pure Kleen, Priority One Air Solutions and United Restoration — which has been active for more than a dozen years. The network of individuals have set up different duct and carpet cleaning companies from Washington State to Florida and been the subject of at least three cease and desist orders issued by various State Attorneys General.

Customers are baited with low advertised prices, generally through mass mail or local newspapers, for air conditioning duct cleaning services. These ads often include a depiction of a giant dust mite and alarming descriptions of mold, mildew and unhealthy air quality. Once sales agents are in the customer’s homes they run reportedly bogus mold detection tests and tell the owner they must pay thousands of dollars to have the mold removed.

When looking for a professional to clean out air ducts, BBB recommends that consumers:

Check the Company Out With BBB. Before setting up a visit, check the company out with your Better Business Bureau first. Ideally, the business will be Accredited by BBB or at least have a good rating. Pay close attention to the name of the business you’re researching because unscrupulous outfits often choose a name that is similar to an existing business that has a solid reputation. To check out a business’s Reliability Report or locate a BBB Accredited duct cleaner visit http://www.bbb.org/us/Find-Business-Reviews/.

Look for the Fine Print. Ads and contracts may contain fine print which the business might think will absolve them from honoring their advertised price. Always ask plenty of questions and get to the bottom line of what it’s going to cost you, before you sign on the dotted line.

Get a Second Opinion. If the duct cleaner discovers that you have a mold problem, get a second opinion. Mold remediation can cost thousands of dollars so you’ll want expert advice on how to take care of it.

File a Complaint with BBB. If you believe you’ve been misled by a business, file a complaint with your BBB online at www.bbb.org/us/file-complaint. Even if BBB isn’t able to resolve the issue for you, the complaint can serve as a warning to other consumers about the business.

Fore more advice on home improvement and maintenance, visit http://www.bbb.org/us/consumer-tips-home/.

Rebate Offers

7/2/2010

Posted on 7/2/2010 by

Companies give away billions in discount, free and rebate coupons every year. According to the Federal Trade Commission (FTC), rebate offers can be irresistible to consumers, slashing the price of consumer goods at the time of purchase or promising partial or full reimbursements after the purchase.

Some shoppers are enticed by manufacturers’ and retailers’ instant cash rebates that can be redeemed immediately at the checkout counter. But most rebates must be mailed- in, and often require consumers to pay full cost of an item at the time of purchase, then send documentation to the manufacturer or retailer to receive a rebate by mail.

The documentation required generally includes the original sales receipt, UPC code, rebate slip, and the customer’s name, address and telephone number. In most cases, this paperwork must be sent to the manufacturer or retailer within 30 days of the purchase.

Consumers do not have to tolerate rebates that never arrive or arrive far later than promised. By law, companies are required to send rebates within the time frame promised, or if no time is specified, within 30 days.

When purchasing a product that offers a rebate, the Better Business Bureau (BBB), along with the FTC, encourage consumers to:

Follow the instructions on the rebate form and enclose all required documentation in the envelope when filing for a rebate.
Make a copy of all paperwork to be mailed when applying for a rebate. It’s the only record a consumer will have of the transaction if anything goes wrong.
Contact the company if the rebate doesn’t arrive within the time promised.

If the rebate never arrives or arrives late, file a complaint with the BBB, FTC, or your state Attorney General.

Rebate Offers

7/2/2010

Posted on 7/2/2010 by

When purchasing a product that offers a rebate, the Better Business Bureau (BBB), along with the FTC, encourage consumers to:

Follow the instructions on the rebate form and enclose all required documentation in the envelope when filing for a rebate.
Make a copy of all paperwork to be mailed when applying for a rebate. It’s the only record a consumer will have of the transaction if anything goes wrong.
Contact the company if the rebate doesn’t arrive within the time promised.

If the rebate never arrives or arrives late, file a complaint with the BBB, FTC, or your state Attorney General.

Lawn Care and Lawn Care Services

7/2/2010

Posted on 7/2/2010 by

Seeding
A well-maintained lawn and landscape can add 5 to 7 percent to a property’s value. Not only beautiful, it reduces noise pollution, has a cooling effect during the hot seasons, and prevents soil erosion. Growing a lush, green lawn, however, may not always seem easy. Weeds, brown spots and diseases may appear to be the only things that want to thrive in your yard. Whatever type of lawn you want to grow, knowing the following growing techniques helps you establish a healthy, hearty lawn.

When planting grass seed, either to grow grass over an entire yard or simply fill bare patches in a thriving lawn, follow these basic guidelines:

SOIL PREPARATION: Soil testing for proper pH levels of about 6.5 to 7.0 is the first step. Proper pH balance lets grass absorb needed nutrients and fertilizer. Next, the soil must be tilled by raking, plowing, disking or by using a rotary tiller. The ideal seedbed is composed of pea to marble-sized soil particles that create a good, protective lodging place for seeds.
TOP SOIL IF NEEDED: Add top soil only if it’s needed to fill low areas. Top soil that is trucked in often contains large amounts of weed seeds, including some weeds that cannot be selectively controlled. So it’s usually best to work with the soil you already have.
LEVEL AREA: After tilling and removing any large clods, the area should be leveled. This leveling can usually be done using a garden rake and/or other garden tools.
SAME DAY SEED & FERTILIZING: Grass seed can be spread by a drop or rotary spreader, using settings shown on the seed package. Fertilizer should be applied on the surface in addition to that tilled into the soil.
COVER SEEDAND MULCH: Place grass seed on the surface and lightly rake soil over the seed. Small seed should be very close to the surface. Larger seed can emerge from depths of 0.5 to 1 inch. Where irrigation is absent, straw or wood fiber mulch can be used to improve grass growing success. Be aware that straw may contain weed seeds.
WATERING: Watering is crucial. Keep the seedbed constantly moist to start germination. Water often, rather than deeply. Only the top inch of soil needs to be kept moist. Once germination starts, keep the area moist until the seedlings are well established.
EARLY MAINTENANCE: Begin mowing as soon as the seedlings are about 3 inches tall. Do not mow when soil is so wet that the mower may damage young plants. If weed seeds that were in the soil start to grow, do not use a weed killer until the young grass plants have been mowed three times.

General Watering
Consistency and deep watering are two basics of a good lawn program.

REGULAR SCHEDULE: Irregular watering can be harmful. It might train the roots to grow too close to the surface, leaving them more vulnerable to the scorching sun. It can also push the grass plants in and out of dormancy, forcing them to use up stored nutrients too quickly.
DAY VS. NIGHT: Watering at night spreads diseases which thrive in damp, dark environments. Daytime watering allows the sun and wind to dry the blades of grass while their roots are irrigated. As a rule, a sprinkler with a 5/8-inch hose left in one place for one hour each week will give grass all the water it needs. If you choose not to water, the grass will go dormant and turn brown during very hot summer periods. The grass has not died; it is just using its natural defenses against heat and drought. The grass should turn green again with sufficient moisture.

Mowing
The way you mow your lawn has a significant effect on its health.

MOWING HEIGHT: Grass generally performs best when mowed at one of the higher settings on your mower—especially in hot summer weather. The mower blade should be kept sharp, and you should not cut off more than 1/3 of the length of the grass blades in a single mowing.
MOWING FREQUENCY: Once a week is usually sufficient. In spring, when grass is growing more rapidly, mowing twice a week may sometimes be necessary to avoid removing more than 1/3 the length of the grass blades.
GRASS CLIPPINGS: Grass cycling—leaving clippings on the lawn after mowing—allows nutrients to return to the soil. Light clippings can decompose rapidly, nourishing the soil as they decay. Heavy clippings, however, can sometimes, smother grass, so using a mulching mower in such cases is recommended.

Fertilizing
Nutrients lawns need are nitrogen (N), phosphorus (P), and potassium (K). The amount of nitrogen to apply may vary from region to region and turf type, but is normally about four to seven pounds per 1000 square feet a year. Whatever the amount, it should be carefully applied at intervals over the course of the growing season. If the applications are incorrect, extra shoots of grass will grow too quickly, leading to a buildup of thatch.

Different specialists' opinions may vary as to the exact ratio of nitrogen, phosphorus and potassium to use. Generally, however, you should fertilize seasonally in the following ways:

SPRING: A fertilizer with a ratio of about 4-1-2 parts of nitrogen, phosphorus and potassium will help the grass begin the summer growing season.
EARLY SUMMER: Nitrogen, phosphorus and potassium should be mixed at about a 3-1-2 ratio.
FALL: Although the blades of grass are beginning to slow in growth, a fertilizer with higher nitrogen and potassium, at a ratio of 3-1-3, will encourage healthy root growth, ensuring strong turf the following year.

Be careful and follow the label directions: too much fertilizer can burn your turf.

Use of Pest Control
If a pest or weed problem is killing the grass, or causing significant damage, some people apply pesticides. There are many on the market—either insecticides, herbicides or fungicides—to control insects, weeds and diseases respectively. It is very important to properly identify the pest and be sure that an appropriate lawn product is used.

Be sure to purchase a product targeted to the particular problem you want to resolve. Determine whether or not the product needs to be watered into the soil.

Improper and indiscriminate spraying of insecticides, herbicides or fungicides could do more harm than good. Turf grass is crawling with life, most of it barely noticeable. Everything living in your grass should ideally create a natural balance which gives grass the right environment to grow.

Herbicides, the most commonly used pesticides, must be used carefully, because they can damage or kill ornamental plants or shrubs if you miss your target.

Identify the weed and the most effective time in its growing season to treat it. You must know the exact size of your lawn in square feet so you can purchase and apply the right quantity of pesticide.

Mix only the amount of pesticides you need. Any excess mixtures of small amounts of pesticides can be applied over the same site of the original application. Store any left-over products in their original containers and away from children or pets. If you are mixing products, follow the label directions. Do not add a little extra—and never use the concentrated product. Wash carefully with soap and water if any spills on your skin.

Hiring of a Lawn Service

KNOW WHAT YOU WANT FROM A LAWN SERVICE: Lawn care companies provide many services, including mowing, maintenance, aeration, seeding, landscaping, fertilization, pest control applications, and tree care.
FIND OUT WHICH COMPANIES PROVIDE SERVICE IN YOUR NEIGHBORHOOD: Ask your neighbors or friends for a recommendation.
ASK FOR A LAWN INSPECTION AND A FREE ESTIMATE FOR SERVICE: Services that quote a price without seeing your lawn cannot be sure what your lawn might need.
ASK ABOUT THE PRICE SYSTEM AND WHAT SERVICES ARE INCLUDED: Lawn services may offer a yearly contract or a simple verbal agreement giving the customer the right to discontinue service at any time. Find out what happens if you have a problem between contracts. Will the service calls be free or is there a charge?
CONSIDER ANNUAL COSTS VS. COST PER APPLICATION: Many companies allow you to pay after each treatment and may offer a discount if you pay the annual cost up front.
GET A WRITTEN AGREEMENT ABOUT COSTS AND SERVICES BEFORE YOU PAY: Document the duration and expected results of the lawn care service.
LOOK FOR GUARANTEES AND REFUND POLICIES: Some services may offer a guarantee of performance. Others may offer refunds if they fail to meet your expectations.
MAKE SURE THE SERVICE IS LICENSED TO APPLY LAWN CARE PRODUCTS AS REQUIRED BY STATE LAW: Check with your state Department of Agriculture or Environmental Department for details.
LOOK FOR PROFESSIONAL MEMBERSHIP: A service’s membership in one or more professional lawn care associations and active participation in the local community is a positive sign. Professional organizations keep members informed on new developments in pest control methods, safety, training, research and regulation. Most associations have a code of ethics for members to follow. Affiliation with a professional group is one indication that a company strives for quality in its work.
GET A BUSINESS AND COMPLAINT REPORT: For further information on the company's service record, contact your local Better Business Bureau.

To learn more about lawn care, contact the following:

YOUR LOCAL BETTER BUSINESS BUREAU
FEDERAL TRADE COMMISSION at 877.FTC.HELP (877.382.4357)
THE LAWN INSTITUTE
PROFESSIONAL LAWN CARE ASSOCIATION OF AMERICA (www.plcaa.org) at 800.458.3466

TURFGRASS PRODUCERS INTERNATIONAL ASSOCIATION

Can You Trust a Door-to-Door Meat Salesman?

6/30/2010

Posted on 6/30/2010 by

When temperatures heat up, door-to-door salesmen start making their rounds selling any number of different products and services. While many door-to-door salesmen are honest, every summer, Better Business Bureau receives troubling complaints from consumers who purchased meat from door-to-door salesmen and were dissatisfied with the quality or even claim to have gotten food poisoning.

In a recent example, the BBB in Denver issued a warning about mounting complaints against a door-to-door meat salesman. According to complaints, customers spend an average of $185 on different kinds of meat, poultry and/or fish. Consumers have described the products as being, “inferior quality,” “tainted,” “not edible,” “old and freezer burnt” and “drowned in salt and preservatives”. Some complainants have also claimed to have gotten sick from the meat and one complainant described it as tasting “like chlorine.”

“Many people might be a little put off by the idea of buying steaks or seafood from the back of a truck, but the low price can often be tempting enough to override any fears about safety or quality,” said Doug Broten President of the BBB serving Central Ca. “It’s not uncommon for a customer to waste hundreds of dollars on inferior meat and it is extremely important for your financial health, in addition to your personal health, that you do your research before you buy.”

Other common complaints to BBB against door-to-door meat sellers include claims that the customer received less meat than what they paid for, that the salesman did not have appropriate permits to sell food door to door and that the salesman failed to stand by the promised satisfaction guarantee.

When considering buying meat from a door-to-door salesman, BBB recommends that consumers:

Do your research. Ask the salesmen for written material about the company and let them know you are going to research them first before doing business with them. Check the company’s Reliability Report with your BBB. Many communities have licensing and permit requirements for food vendors and for selling door-to-door; confirm with your city or county government that the seller is in line with the law.
Don’t fall for empty promises. The seller might claim to offer a 100 percent satisfaction guarantee, but many complainants had no way to contact the seller if they were dissatisfied. Additionally, the seller might claim that the meat is a higher grade than it really is.
Never pay with cash. When paying by check or credit card you have at least some way to protect your money—such as canceling the check or reporting it as fraud to your credit card company. If you pay with cash and are dissatisfied, you’re at the mercy of the salesman.
Know your rights. If you decide to make a purchase, ask for a dated cancellation form and a dated receipt. The Federal Trade Commission Cooling-Off Rule gives you three business days to cancel the purchase. Saturday is considered a business day.
Report the bad guys. If you feel that you were ripped off by a door-to-door salesmen, file a complaint with your Better Business Bureau. Also report any unlicensed salesmen to the appropriate city or county authorities.

Consumers with questions about purchasing meat can contact the USDA'S Meat and Poultry Hotline at 1-888-674-6854 or if you have a complaint about a company offering this service you may contact 1-800-675-8118.

For more advice to help you make smart purchasing decisions, visit http://www.bbb.org/us/consumer-tips-product-purchasing/.

BBB Warns Car Shoppers about Online Dealer Scam Victims lose thousands to scammers posing as dealers online

6/29/2010

Posted on 6/29/2010 by

“Because scammers essentially steal the identity and good name of real auto dealers, car shoppers will think that they’re buying a car from a reputable business,” said Doug Broten, President and CEO of the Better Business Bureau serving Central California. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

BBB announces that “free” Medicare rebate checks are for real but beware of phone calls asking for information

6/22/2010

Posted on 6/22/2010 by

In the next few weeks, consumers using Medicare may start receiving tax-free rebate checks for $250 as part of the Affordable Care Act. This rebate check is aimed at helping to close the “donut hole” and making coverage more affordable to Senior Citizens. The “donut hole” is the coverage gap a Medicare consumer has when they have used all their money for covered drugs and have to start paying for their prescriptions out of pocket. An Explanation of Benefits notice can tell you how much you have spent on drugs, and if you have crossed into the coverage gap.

You do not need to fill out any form to receive a rebate check and you should not receive any phone calls about your check.

To be eligible for this rebate, consumers must meet the following criteria:

You have Medicare prescription drug coverage
You aren't currently getting Medicare Extra Help
You have reached the coverage gap

Medicare will automatically send a rebate check in your name. You do not need to provide personal information such as your social security number or bank account information to receive your check. These one- time checks will be mailed throughout the year and consumers should expect to receive their check within 45 days of entering the coverage gap. The checks will be mailed by the Department of the Health and Human Services (HHS) and will include the HHS logo on the envelope.

It is important to know that when a new program is established to help senior citizens it is extremely likely con-artists will take advantage of it to try to steal identities and commit fraud. Your Better Business Bureau urges consumers to be cautious if you receive a phone call asking for personal information in order for you to receive your check. For more information on the Medicare rebate, consumers can call 1-800-MEDICARE (1-800-633-4227) or go online to Medicare’s brochure.

How to Spot the Red Flags of an Investment Seminar Scam

6/22/2010

Posted on 6/22/2010 by

Falling victim to a fraudulent investment scheme can mean losing anywhere from a few hundred dollars to your life savings. While most people might not see the harm in sitting through an investment seminar, Better Business Bureau recommends researching the investment company first, rather than run the risk of falling for a financial siren song over a free lunch.

Investment scams and schemes can come in many forms and a common technique to lure people in is the offer of a free financial seminar over lunch. In one recent example, the Securities and Exchange Commission shut down a Ponzi scheme which stole $20 million from retirees in California and Illinois. The scammers invited senior citizens to estate planning seminars and later coaxed their victims into buying promissory notes for purported Turkish investments.

“Free lunch seminars can seem like an easy way to get a meal, but attendees run the risk of getting drawn in by the slick presentations and promises of big returns,” said Doug Broten, President of the BBB serving Central California. “Unscrupulous seminars often use the promise of a free lunch to lure in leisurely senior citizens who have time and exploitable retirement accounts and real estate.”

When listening to an investment pitch, BBB recommends looking for the following red flags:

Requires a large up-front investment. Untrustworthy schemers might try to convince investors to pay a lot of money upfront so they can get out of town with a large haul, rather than wait for the funds to trickle in.

Promises high returns for low risk. Every investment comes with a level of risk. Typically the amount of risk increases in line with the potential return on the investment. If the seminar is trying to sell an investment scheme that claims a high return with little or no risk, beware, even if it comes with the promise of a money-back guarantee.

Employs high pressure sales tactics. Seminar leaders often use high pressure sales tactics to get people to sign up without thinking it through. They might claim that there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. Any reputable investment company will let you take your time and do your research and will not pressure you into signing a check.

Relies on off-shore investments. Many hucksters try to give their scheme an air of sophistication by relying on overseas investments such as foreign currency, property, stocks and bonds. They also might claim—incorrectly—that you can avoid taxes by investing overseas.

Sounds too good to be true. At the end of the day, if the offer sounds too good to be true, it probably is. Always listen to your instincts because the potential payoff is rarely worth the risk.

For more advice from your BBB on financial planning and investing visit http://www.bbb.org/us/consumer-tips-finance/.

BBB issues alert about phony Census callers

6/16/2010

Posted on 6/16/2010 by

The Better Business Bureau is warning the public to beware of callers posing as Census workers. The BBB has heard from several consumers this week who have received calls asking them where they shop for groceries, if they have ever had a mental illness and asking for personal information that could lead to identity theft.

According to the U.S. Census Bureau website, you will only receive a call in case your 10-question form is returned with incomplete or illegible information.

The calls have been coming from 866-851-2010, which is just one digit “off” a legitimate Census bureau number of 866-861-2010. The BBB called the number and asked to speak to a supervisor who even provided an identification number but who refused to say why she would be asking about a person’s shopping habits or mental health status or personal identification information.

Completing the 2010 Census is necessary for our communities to receive adequate funding for public programs and projects. If you do receive a visit from a Census worker, the Census site (http://2010.census.gov/2010census/about/whole.php) offers the following information:

If a census taker knocks on your door, here are some recognition tips to assure the validity of the employee:

The census taker must present an ID badge that contains a Department of Commerce watermark and expiration date. The census taker may also be carrying a bag with a Census Bureau logo.
The census taker will provide you with supervisor contact information and/or the local census office phone number for verification, if asked.
The census taker will ONLY ask you the questions that appear on the census form.

The 2010 Census form and the 2010 Census takers will not ask you for your Social Security number, bank account number, or credit card number. In addition, the 2010 Census form and the 2010 Census takers never solicit for donations and will never contact you by e-mail.

BBB warns businesses to read before they sign: Sometimes not saying “no” means “yes” when it comes to renewals

6/3/2010

Posted on 6/3/2010 by

Have you ever received an advertising renewal notice in the mail and tossed it aside because you didn’t plan to renew? Then, you realize that you are still being billed for the advertising even though you didn’t send in the renewal?

Your BBB warns that you always need to read the fine print on the original contract before you sign. It has come to our attention that some advertising contracts contain language that indicates your contract will automatically renew unless you specifically inform the company that you do not wish to renew the advertising. It is not enough to simply not return the renewal form. You must inform the company in writing that you do not wish to renew the contract.

In some cases, when a contract renewal is not received, the company uses what is called an “electronic Voice Verification process.” What happens is the customer receives a call asking them to provide yes or no answers to questions such as verification of name, address, phone, etc. The company then claims they have the customer recorded as saying “yes” to the terms of renewal. Then, when the customer tries to cancel, the company plays a tape of their voice supposedly saying “yes” to the renewal.

If this has happened to you, immediately inform the company in writing that you do not wish to continue and that you want to cancel the contract immediately. If the company continues to bill you, file a complaint at bbb.org. You can also file a complaint online with the Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en.

BBB Warns that Insurance Scams Are Flourishing in Current Economy

6/1/2010

Posted on 6/1/2010 by

In the midst of a tight economy and in the wake of the new national healthcare reform bill, State and Federal regulators are warning about a surge in healthcare-related scams. Better Business Bureau advises consumers to do their research before signing up for insurance coverage because their personal and financial health is on the line.

According to an October 2009 survey conducted by the Coalition Against Insurance Fraud, 57 percent of state fraud bureaus reported a higher incidence of health insurance fraud in 2009 compared to the previous year. The increase was largely attributed to “unauthorized entities selling fake coverage” and “the rise of medical discount plans.”

Companies such as HealthcareOne/Elite Healthcare, Consolidated Workers Association, and Smart Data Solutions/American Trade Association, have all recently come under fire from state regulators for peddling worthless coverage or discount medical plans—instead of actual insurance—to thousands of consumers.

Additionally, the new healthcare reform bill quickly sparked new scams; shortly after it was signed into law, the US Department of Health and Human Services issued a warning to consumers to beware of health insurance offers claiming to be part of new federal regulations. For example in Missouri, the state Insurance Director warned that a door-to-door salesman was claiming to be a federal agent selling insurance under the new law.

BBB recommends taking the following steps when shopping for health insurance coverage to avoid getting ripped off:

Research the company with BBB. Always check out the insurer’s BBB Reliability Report online at bbb.org. Reliability reports are available for free and will tell you how many complaints the business has received, whether there has been any government action brought against the business, as well as BBB’s overall rating.

Confirm the company is licensed with the state insurance commissioner. Each state has a department devoted to regulating insurance companies. Make sure the insurer is licensed to operate in your state.

Read the fine print carefully. Make sure all verbal commitments are in the printed contract. Don’t just take the salesperson’s word for it. Also, confirm with your pharmacist and doctor that they accept the plan you’re considering.

Recognize the difference between insurance and discount medical cards. Some consumers purchased what they thought was health insurance, but it was actually a discount medical card which could only be used to get reduced rates at limited numbers of doctor’s offices and pharmacies. Make sure you’re purchasing insurance coverage and not just a discount medical card.

Beware of copy cats. Some phony insurers will go by a name that is similar to a trusted company. Confirm that you’re really dealing with the right company that has a good reputation.

For more advice on finding healthcare companies and services you can trust, visit http://www.bbb.org/us/consumer-tips-health/

Don’t take “candy” from anyone you don’t know. That means checks, too. That “candy” could turn out to be expensive.

5/26/2010

Posted on 5/26/2010 by

Don’t take “candy” from anyone you don’t know. That means checks, too. That “candy” could turn out to be expensive.

Fraudulent checks are frequently used in scams these days. A common one is when a company sends a check saying you have won the lottery. They ask you to cash the check and send money to them to handle the processing fee.

What are the red flags here? One. They ask you to wire money back to them. Two. You can’t win a lottery that you didn’t enter. Three. The letter came from outside the United States.

With these red flags flapping, tear up the check and let your BBB and state Attorney General’s office know about the mailing.

If you cash the check you may be held responsible for the entire amount of the fraudulent check that you cash or put into your account, plus you may incur a bank fee. Many people spend the “money” and days or weeks later they find out they have to pay the bank back. They also lost the money they sent to the company for so called handling fees.

Fraudulent checks can come from various sources. If there are no strong red flags, how can you detect fraudulent checks?

Here are some tips from the District Attorney office:

Check the finish on the magnetic computer numbers on the bottom. The magnetic ink should be very dull and never shiny.
Look for at least one perforated edge on the check. All checks, except some government or computer-produced checks should have a perforated edge.
Check for any words or numerals that appear to be altered. Look for different hand writing, different color ink, or any other suspicious differences. If you find discrepancies which are of concern, you should decline the check.

Look for changes or additions to the name of the payee. If the color, density or writing of the name appears different, there may have been an alteration.

What does it mean to be a BBB Accredited Business?

5/25/2010

Posted on 5/25/2010 by
BBB Accredited Businesses are a dedicated bunch. They are dedicated to ethics and building trust with customers, and they are dedicated to supporting the local and national work of the BBB.

BBB Accredited Businesses are contractually obligated to uphold our Standards for Trust and they also agree to resolve complaints that are filed against them with the BBB. This sets them apart from other businesses which are not required to be ethical or resolve complaints.

When evaluating a business, BBB looks at many different factors—including whether or not the business is accredited by BBB. Being accredited doesn’t guarantee that a business gets an A+. In fact, there are many non-accredited businesses out there that treat customers well and have an excellent grade with BBB.

There are nearly 400,000 Accredited Businesses in North America that agree to uphold BBB standards and resolve complaints, and they make the choice in a tough economy to financially support an organization that promotes ethics in the marketplace. We think that counts for something and you’ll see it reflected--think of it like extra credit--in their grade.

BBB issues red alert about Fresno collection agency

5/24/2010

Posted on 5/24/2010 by

The BBB serving Central California today issued a warning to businesses to avoid Fresno-based collection agency Maxwell, Turner & Associates, Inc. The agency has an F-rating for 32 unanswered complaints within the last 10 months.

Letterhead for Maxwell, Turner & Associates, Inc. lists a Fresno address of 438 E. Shaw Ave., Suite 138 along with an 888 telephone number. The street address listed is a mail drop at a UPS store located near Fresno Street and Shaw Ave. The company also has a Bakersfield telephone number that is simply a message machine with an outdated phone message.

“Although victims of this company have so far been from out of state, there is no reason to believe that they will not begin targeting unsuspecting businesses closer to home,” said Doug Broten, president of the BBB.

According to complaints, the company charges businesses an upfront fee to collect on court-ordered judgments of at least $1,500 and then severs contact with the businesses. The companies and individuals owing the debt(s) have not been contacted. All of the companies fleeced out of the upfront fees were solicited by Maxwell, Turner & Associates, Inc. to use their services as a collection agency.

The BBB has forwarded the complaints to the Federal Trade Commission for further investigation.

Are You Affected by HP Laptop Battery Recall?

5/24/2010

Posted on 5/24/2010 by
Computer giant Hewlett-Packard has recalled its Lithium-Ion batteries used in Compaq notebook computers.

Details:

Name of Product: Lithium-Ion batteries used in Hewlett-Packard and Compaq notebook computers

Units: About 54,000 (70,000 units were previously recalled in May 2009)

Hazard: The recalled lithium-ion batteries can overheat, posing a fire and burn hazard to consumers.

Incidents/Injuries: Since the May 2009 recall, HP has received 38 additional reports of batteries that overheated and ruptured resulting in 11 instances of minor personal injury and 31 instances of minor property damage.

Description: The recalled lithium-ion rechargeable batteries are used with various model series of HP and Compaq notebook computers. The chart below includes all notebook model numbers associated with batteries recalled to date. The computer model number is located at the top of the service label on the bottom of the notebook computer. Not all batteries matching the bar codes are being recalled. You can see if your battery is affected here.

Remedy: Consumers should immediately remove the batteries referenced above from their notebook computer and contact HP to determine if their battery is included in this recall (even if the battery was previously checked). Consumers with recalled batteries will receive a free replacement battery. After removing the recalled battery from their notebook computer, consumers may use the AC adapter to power the computer until a replacement battery arrives. HP recommends that only batteries obtained from HP or an HP authorized reseller be used with HP notebook PCs.

Consumer Contact: For additional information, visit the HP Battery Replacement Program website at http://www.hp.com/support/BatteryReplacement or call (888) 202-4320 between 7 a.m. and 7 p.m. CT Monday through Friday.

National Small Business Week: Free Online Resources for Entrepreneurs

5/20/2010

Posted on 5/20/2010 by

More than 27 million small businesses serve as the backbone of our economy and provide 60-80 percent of new jobs. In the midst of the recession, many small business owners are struggling to stay in business. As part of National Small Business Week, Better Business Bureau wants small business owners to know that they’re not alone. Following are free resources available online from your BBB and federal agencies for small business owners to help them stay afloat in a tough economy.

BBB Data Security – Made Simpler
BBB partnered with data security experts at Symantec Corporation, Visa Inc., Kroll’s Fraud Solutions and NACHA – The Electronic Payments Associationto produce free, easy-to-understand data security guidelines, with checklists and links to data security resources that make sense for small businesses. BBB’s Data Security – Made Simpler arms small business owners with the information they need to protect their customers…and their business. www.bbb.org/data-security/

BBB TrustBrief
The BBB TrustBrief is a free weekly email for small business owners to help them stay on top of the recent headlines and get the best guidance and expert advice on running a business. You can sign up for a free subscription at www.smartbrief.org/bbb

BBB Tips on Direct Selling
BBB and the Direct Selling Education Foundation have created a series of articles, videos and PSAs to educate direct sellers, their customers and even those considering a career path in direct selling. Free tips and advice you can trust on direct selling are available at www.bbb.org/us/dsef-tips

Business.gov
Business.gov is the U.S. Government's official website for small businesses. Business.gov provides small business owners with information and resources they need to comply with laws and regulations, and to take advantage of government programs and services to help them start, expand and run their businesses. http://www.business.gov/

Federal Trade Commission (FTC)
Wondering what kind of proof you need to back up the claims in your ads? Planning on using email to publicize your company? Thinking about buying a franchise or business opportunity? Concerned about your legal obligation to keep information secure? The FTC has free resources on best practices for complying with the law, many of which you can order in bulk for your employees at no charge. Written with a minimum of legalese, the FTC offers online tutorials, videos, and more than 100 to-the-point publications created with the small business owner in mind: http://ftc.gov/bcp/business.shtm

US Small Business Administration (SBA) Small Business Training Network
A virtual campus housing free training courses, workshops and knowledge resources designed to assist entrepreneurs and other students of enterprise. The Training Network makes SBA's business management resources available 24/7. http://www.sba.gov/training/

SCORE
SCORE is a unique federal government resource that utilizes volunteers, both working and retired, with expertise to advise small businesses, lead business seminars, and coach entrepreneurs online. A resource partner of the SBA for more than 40 years, SCORE has helped more than 7 million businesses succeed and stay active in the local and national small business marketplace. http://www.score.org

Small Business Development Centers (SBDCs)
SBDCs provide management assistance to current and prospective small business owners. SBDCs offer one-stop assistance to individuals and small businesses by providing a variety of information and guidance in central and accessible branch locations. The program is a cooperative effort of the private sector, the educational community and federal, state and local governments. http://www.sba.gov/sbdc/aboutus.html

The National Women's Business Council (NWBC)
The NWBC is a bi-partisan federal advisory council created to serve as an independent source of advice and policy recommendations to the President, Congress and the SBA on economic issues of importance to women business owners. The council's mission is to promote bold initiatives, policies and programs designed to support woman business enterprises at all stages of development in the public and private sector. http://www.nwbc.gov

U.S. Export Assistance Centers (USEACs)
USEACs provide export information and development assistance to help small businesses take advantage of export markets, including trade counseling, training, legal assistance and publications.
http://www.sba.gov/oit/export/useac.html

More advice for small business owners can be found online from the Better Business Bureau at http://www.bbb.org/us/Business-Resources/

How the Work We Do Makes the Marketplace Work Better

5/19/2010

Posted on 5/19/2010 by

After almost 100 years of service, the Better Business Bureau has many fans and supporters nationwide. Since 1912, we’ve been out there, front and center, celebrating the best in business and investigating -- and exposing -- unethical practices. We’ve saved countless people from being victimized by scams in that time and we’ve worked with various industry groups to develop agreed-upon best practices which allow them to focus their attention on customers and being the best businesses they can be. Our goal, now as then, is to promote the highest ethical relationship between businesses and the public.

Despite that, the Better Business Bureau has its detractors. Not everyone supports our mission, and that’s only natural. It’s tough to be all things to all people. But we like to think that if more people knew more about the BBB and all the things we do, support for us would be near universal. However, there are companies who think we’re consumer-oriented, just as there are customers who are convinced we’re on the side of business. These perceptions, though not accurate, tell us we’re doing a pretty good job. Our role is to stand in the middle and work back and forth between both parties to resolve disputes. Our resolution rate is right around 90%! We’re good at what we do.

Still, there are times when we’re unable to resolve disputes or not able to do things companies or customers would like us to do. We’re not a perfect agency, nor are we aware of one that is perfect. But while we may not be everything to everyone, we’re many things to a lot of people and the things we do help the marketplace operate more ethically and efficiently for both companies and customers.

The presence of the Better Business Bureau not only helps make the communities we live in stronger, it helps keep our national economy on track. Scammers don’t pay taxes, and people who lose money to con artists often wind up having trouble paying their bills. The company reports we make available help guide customers to businesses that stand behind their service and products; the consumer education and tips we provide to the public help people avoid scams, meaning they have more money to invest, save or spend with legitimate businesses.

By helping consumers, we help businesses, and by working with businesses to promote – through self-regulation – the highest standards of business ethics, we help consumers. We’re gratified to have provided our services to you this last century, we’re appreciative of the Accredited Businesses that make our mission possible and we look forward to serving you well into the future!

For BBB reports on companies visit bbb.org or call 1.800.675.8118. Remember to always Start With Trust.

BBB and Direct Selling Education Foundation Partner to Educate Direct Sellers and their Customers

5/18/2010

Posted on 5/18/2010 by
Better Business Bureau (BBB) and the Direct Selling Education Foundation (DSEF) today announced the launch of a national partnership to raise awareness of ethical business practices and consumer protection by providing expert advice and guidance for direct sellers and their customers.

According to the most recent figures from the Direct Selling Association more than 15 million people in the US sold about $30 billion in products and services through direct selling in 2008. Nearly one-third of the sales were for personal items such as cosmetics, jewelry, skin care; a quarter of the items sold were for home goods including cleaning products and cookware. Worldwide, direct selling is a $100 billion industry.

“The direct selling industry represents a vibrant channel of distribution, and BBB and the DSEF created this partnership to educate the growing number of sellers and customers on their responsibilities and rights,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Building trust is integral to success in sales and it’s important for direct sellers to maintain best practices and for customers to know what to expect when making a purchase.”

BBB and DSEF have created a series of articles, videos and PSAs to educate direct sellers, their customers and even those considering a career path in direct selling. The topics covered include maintaining ethical sales practices, understanding consumer rights and recognizing red flags to avoid pyramid schemes. All the information is available for free online at http://www.bbb.org/us/DSEF-tips/.

“Promoting ethical business practices is at the heart of DSEF’s mission,” said Charles L. Orr, Executive Director, Direct Selling Education Foundation. “Our partnership with BBB brings ethics to life for both direct sellers and their customers.”

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. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust.

About DSEF
The Direct Selling Education Foundation (DSEF), created in 1973 by visionary leaders of the Direct Selling Association, serves the public as the industry’s goodwill ambassador. Headquartered in Washington, D.C., the international non-profit organization offers comprehensive programs that advance the direct selling industry’s support of consumer rights and protection, education about the industry, ethical leadership, and individual economic empowerment. Thousands of industry and community thought leaders from diverse backgrounds and organizations have come together at DSEF sponsored programs to learn, grow and create a vital and healthy business climate. Our services include conferences, training sessions, publications, university campus visits, teaching and instructional materials, networking opportunities, grants to organizations, consultative assistance and grants for research and case studies. For more information, visit www.dsef.org.

Angel Baby Bedding's Customers Complain Of Delayed Orders

5/17/2010

Posted on 5/17/2010 by

Angel Baby Bedding may use a cherubic, winged infant as its company symbol, but customers say its business practices are anything but heavenly.

The Better Business Bureau (BBB) says consumers may want to consider alternatives before dealing with Angel Baby Bedding and its owner, Laura Barton Helvey, of Farmington, Mo. Helvey says on her website that she has operated the online business since October 2005.

Despite Helvey’s online promise that “we will do what is the best for our customers,” consumers tell the BBB that they have waited months for orders that never arrived. They also said they have been unable to speak with Helvey or anyone else at Angel Baby Bedding for help in addressing their concerns.

The BBB has received more than 40 complaints against the business from more than 20 states and Canada. Most of those complaints occurred in the past 12 months. Angel Baby Bedding has an “F” grade with the BBB, the lowest grade possible, for failing to respond to customer complaints.

A woman from Alberta, Canada, said she ordered a bedding set from Angel Baby Bedding’s online store in late November of last year, more than three months before her baby’s due date. The cost was $485 Canadian. As of last week, she still had not received the items. She wants a refund. “I don’t want it and I don’t want to be charged for it,” she said of the order. She said she recently ordered the same items from another online business and received them in a few days.

In an e-mail response to the BBB, Helvey said customers who have filed complaints will be receiving packages “within 4-7 days. We have a late shipment and customers cannot read a ship policy to save their lives.” She said she has felt “no reason for me to jump on the complaints via the BBB when I am e-mailing the customers as well.
“Getting customers’ e-mails done, packages out, etc. creates a larger priority than 10-20 complaints out of over 3,000 orders for the last 12 months.”

On her website, angelbabybedding.com, Helvey says the business sells a variety of products worldwide, including nursery accessories, baby feeding items, baby health care items and baby furniture. “Finally an Online Baby Bedding Store Better than the Rest,” says the site. “We are not shy in saying that we will do what is the best for our customers, and our customer service team is the most knowledgeable, polite and helpful team in the online baby bedding industry.” The website describes Helvey as a wife and mother of two living in rural Farmington. “I like people, I enjoy doing good for people and giving them a break,” she says on the site.

But several customers said their dealings with the business have been anything but smooth.

A woman from West Bend, Wis., who is expecting a baby in May, said she paid Angel Baby Bedding $229 for bedding products on Jan. 16. As of last week, she had not received her order. She said she has phoned and e-mailed the business an estimated 20 to 25 times in recent weeks, but never has spoken to anyone with the company. Eleven weeks after ordering, she placed the same order through another online company and received her products in three days.

“How are they still operating?” she asked of the business. “It’s been very frustrating, very aggravating. This is something I shouldn’t have to deal with.”

A new mother from Fort Wayne, Ind., said she paid $135 for a crib set and several other items in early December, in advance of her baby’s birth later that month. She said she was told in an e-mail to expect the items in either two to three weeks or four to six weeks, depending on the items’ availability. She said she was told in a Dec. 16 e-mail that the items would be shipped in two to three days. The same two to three-day shipping schedule was repeated in e-mails sent on Jan. 5 and Feb. 22. As of last week, she still had not received her order.

She said her baby is now four months old and she no longer needs the set. Paypal has rejected her request for a refund.

The BBB offers the following tips for consumers ordering products online:

Do your homework. Shop only with companies you know to be reliable. Ask family, friends and neighbors for recommendations.
Read all policies and restrictions carefully before ordering.
If at all possible, pay with a credit card, so you can challenge the charge if it becomes necessary. Never wire transfer money or send cash to a company you do not know.
Make sure to get a working phone number from the company in the event you need to contact it later. If a phone number is listed on the site, try calling it first to make sure you can get through to a live person.
Check with the BBB for a Reliability Report on a business by visiting www.bbb.org or by calling 800-675-8118.

Avoid Moving Scams this Summer AMSA and BBB Offer Advice on How to Protect Your Move

5/17/2010

Posted on 5/17/2010 by

Following a few simple rules when looking for a mover will go a long way toward protecting you from being victimized by scammers this summer, advises Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA).

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.

Unfortunately, every year, BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

BBB received more than 8,400 complaints against movers in 2009. Complaints to BBB about movers are primarily about damaged or lost goods and final prices in excess of original estimates. In a common worst-case scenario, the moving company will essentially hold the customer’s belongings hostage and require potentially thousands of dollars to unload the truck.

“Virtually anyone with a truck and a Web site can claim to be a mover and they can’t all be trusted to 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 save a lot of heartache by doing just a little homework to track down the companies that 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 1 million times for finding a trustworthy mover,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB.”

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the Company Thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the Federal Motor Carrier Safety Administration and are assigned a motor carrier number you can verify at www.protectyourmove.gov. Also check the company’s rating with your BBB; BBB maintains more than 17,000 reliability reports on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings that 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 In-Home Estimates. No legitimate mover will offer to give you a firm estimate on-line 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 both the state you currently reside in and where you are moving to. Also enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or decides to hold your belongings hostage.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer Web site, 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 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.

Returns and Customer Satisfaction

5/17/2010

Posted on 5/17/2010 by

While return policies vary from one company to another, every company should have guidelines in place to ensure customers have memorable shopping experiences. Consultants should always explain a company’s return policy before a sales transaction is complete. In addition, be aware that federal law requires companies to give you a 3-day “cooling off" period for larger purchases, offering a no-questions asked opportunity to cancel your order.

Your satisfaction is very important to direct selling companies. It’s commonly said that a customer with a good experience may tell no one, but a customer with a bad experience will tell 20 people. In direct selling, which is based on word of mouth recommendations, that’s probably true exponentially!

Consultants with DSA member companies are required to explain the return policy to you. Be sure you understand it completely before signing on the dotted line and make sure you get a copy of the receipt. The consultant should also provide you with complete contact information so you can get in touch with him/her if you have questions about your order or need to cancel or make a return.

About Direct Selling Education Foundation (www.dsef.org)

The Direct Selling Education Foundation (DSEF), created in 1973 by visionary leaders of the Direct Selling Association, serves the public as the industry’s goodwill ambassador. Headquartered in Washington, D.C., the international non-profit organization offers comprehensive programs that advance the direct selling industry’s support of consumer rights and protection, education about the industry, ethical leadership, and individual economic empowerment. Thousands of industry and community thought leaders from diverse backgrounds and organizations have come together at DSEF sponsored programs to learn, grow and create a vital and healthy business climate. Our services include conferences, training sessions, publications, university campus visits, teaching and instructional materials, networking opportunities, grants to organizations, consultative assistance and grants for research and case studies. For more information, visit www.dsef.org.

BBB pledges support for Mayor’s Licensed Contractors Group

5/14/2010

Posted on 5/14/2010 by

The Better Business Bureau serving Central California joined forces today with Mayor Swearingen’s Licensed Contractor Affinity Group. The purpose of the group is to recognize licensed contractors and educate the public about the dangers of using unlicensed resources.

“We are proud to be part of a program that ties in with having high ethical marketplace standards, the core of the BBB mission,” said Doug Broten, president. “Our goal is to strengthen our existing educational efforts to the public regarding the importance of using licensed contractors.”

The BBB will provide educational information regarding the use of licensed contractors to the general public through its website, e-mails, fax-alerts and many printed communications with both BBB Accredited Businesses and the general public.

In addition, the BBB will continue its existing investigations of unlicensed contractors found throughout Central California. Those names and locations are posted monthly on www.cencal.bbb.org/unlicensed and are also sent to the appropriate law enforcement agencies.

For more information on Mayor Swearingen’s Licensed Contractor Affinity Group, go to www.cencal.bbb.orgg and click on the button.

BBB tip leads to citation of unlicensed contractor in Bakersfield

5/14/2010

Posted on 5/14/2010 by

Thanks to a tip by the Better Business Bureau (BBB), an unlicensed contractor was put out of business on April 27.

The BBB received a call from a licensed contractor in Bakersfield on the morning of April 27 stating that he knew of an unlicensed contractor, Robert Cedillos, working on a masonry job that was costing well over $5,000 and that the contractor and his crew had been working there for approximately 4-5 days.

Unlicensed contractors in California are only authorized to perform work that can be completed under $500. Robert Cedillos, doing business as Quality Masonry, does not have a license on record with the Contractors State License Board (CSLB).

BBB investigator Diana Ivie contacted local CSLB investigators and filed an online report with the CSLB. The CSLB then contacted an investigator with the Kern County District Attorney’s who immediately went out to the location and stopped the construction work. Cedillos was issued citations for not having a contractors license; advertising without a license and for operating with having the proper workers compensation insurance.

The BBB has a continuing program that investigates unlicensed contractors found throughout Central California. Those names and locations are posted monthly on www.cencal.bbb.org and are also sent to the appropriate law enforcement agencies.

Tips for Watching Your Credit Report

5/12/2010

Posted on 5/12/2010 by

As we recover from a mass of faulty loans, and the credit market continues to tighten, it’s more important than ever to keep an eye on your credit report. If you don’t, and anyone accesses your credit--for a home, car, a job, or even your insurance--you may face an unpleasant surprise and be denied or pay unnecessarily steep interest rates.

By that time, it’s too late. It takes months to correct errors or improve poor credit. The time to take action is well before you expect to need to draw upon your credit. How can you stay ahead of the game and protect yourself?

Pull your credit reports.
Federal law has now made credit reports from each of the three main credit bureaus—Experian, TransUnion and Equifax, available for free to consumers once a year. If you haven’t checked your credit recently (in the past 12 months), obtain all three to see where you stand, correct errors and for signs of identity theft or other unauthorized activity. If you have seen your credit report within the last year and addressed errors, financial experts recommend you access one report every four months.

To get your free credit reports, visit www.annualcreditreport.com to request them online or to download the form you’ll need to complete if you would prefer to request them by mail. You may also call 877-322-8228.

This web site is the only truly free credit report delivery service. Others—many with similar names—offer credit reports, but with a catch—you must buy another service to get the reports—most often a credit monitoring service. Although annualcreditreport.com will offer you the opportunity to buy your credit score when accessing your reports, doing so is not mandatory.

Dispute errors.
A past survey from public interest advocacy organizations (state PIRGs) reveals that 25% of the credit reports reviewed contained errors serious enough to result in the denial of credit, while 79% contained mistakes of some kind.

Carefully review each entry for accuracy. Compare your records with the credit bureau’s account of your credit history to make sure that each open account listed is open, that the payment history is true and that each loan is actually your loan.

If you locate errors, you may initiate a dispute online through the bureau’s Web site. Or, you may send a certified letter, with supporting documentation, to the credit bureau. (The Federal Trade Commission provides more detail and a useful sample dispute letter.) Instructions for either option are located at the end of your credit report. You’ll also find these steps explained in the company’s Frequently Asked Questions section of their site.

If you find fraudulent charges, you’ll need to:

request a “fraud alert” from each of the bureaus;
file a police report; and
file a complaint with the Federal Trade Commission (FTC).

The FTC provides detailed information on how to complete each of these steps when fraud is suspected.

If you have negative notations on your credit report, but they are factual, don’t file a dispute. Doing so is illegal. Derogatory information, including late payments and loan defaults can remain on your credit report for up to seven years, except bankruptcy, which often remains on the reports for 10 years, both making it very difficult to prove that you are a responsible consumer. If negative information lasts longer than these time periods, you may request that it be removed.

Unless the bureaus consider your disputes to be frivolous, according to the Fair Credit Reporting Act, they must respond to consumer disputes within 30 days.

Keep records.
As you dispute errors and if you report fraud, keep meticulous phone logs and copies of all of your correspondence. For Web submissions, keep screen shots of your requests and any email confirmations you receive from the bureaus.

In your log, track the date you spoke with someone, the name of the person, and what he or she said. To be particularly meticulous, summarize the content of your call and send it by certified mail to the person you spoke with. These notes may prove valuable if you have trouble resolving your issues with the bureaus or creditors.

Improve your credit.
Most of us are able to improve our credit. Doing so will help us qualify for better interest rates and terms on loans in the future. Several factors from your credit reports determine your credit score:

Payment history 35%
Outstanding debt 30%
Credit history length 15%
New credit applications 10%
Your credit mix 10%

Improving your credit score and your credit are virtually the same thing. There are no quick fixes, but five simple principles applied over time will improve your overall credit standing:

Pay your bills on time.
Past delinquencies have a decreasing effect on your credit as time passes.

Reduce your debt and keep it low.
Although no credit card debt is best, a good goal is to keep overall debt (not including housing) payment below 20% of your monthly budget.

In general, do not close old, unused lines of credit.
Add up the maximum available credit on each of your cards and take 20% of that number, in this case, $4,000[what does this amount refer to?]. Your credit card debt shouldn’t exceed that 20% of your available credit. Keeping the older cards open helps keep this “utilization ratio” in balance and shows stability.

Limit inquiries and applications for new credit.
Most applications for credit result in an “inquiry” on your credit report. Too many inquiries in a short period of time can have a negative impact on your credit. Apply for new credit judiciously.

Monitor your credit report for mistakes and evidence of identity theft.

About ClearPoint (www.clearpointccs.org) ClearPoint Credit Counseling Solutions is a national 501(c)(3) nonprofit credit counseling agency licensed to operate in all 50 states. Accredited financial specialists provide credit, housing and bankruptcy counseling in person, over the phone or via the Internet. ClearPoint’s credit counselors teach consumers how to manage their money better, pay down debt, and save for a secure financial future. ClearPoint is a system-wide BBB Accredited Business, a member agency of the National Foundation for Credit Counseling, and accredited by the Council on Accreditation.

BBB warns of scammers exploiting oil spill

5/7/2010

Posted on 5/7/2010 by

As the Gulf Coast prepares for the potential impact of the Deepwater Horizon oil spill, your Better Business Bureau is warning consumers to be on the lookout for scammers looking to take advantage of the situation.
Already, scammers have been reported trying to convince consumers to pay for “volunteer training;” local officials are offering training for those who want to volunteer to help with cleanup efforts at no charge.
One local law enforcement office is reporting rumors of contractors trying to sell some type of chemically-treated beds to cover beaches and other at-risk property to absorb oil. As with any purchase or contract, BBB urges consumers to do their homework before signing a contract or making a purchase.

Get a free BBB Reliability Report (start with bbb.org) to check a business’ history and complaint activity.
Be wary of out-of-state contractors who only provide a cell phone number or don’t provide any local contact information.
Verify the contractor has any and all appropriate licensing, bonding, registration and insurance. BBB verifies this information before accrediting any of its BBB Accredited Businesses so consumers can request a list of all Accredited Businesses within a particular industry free-of-charge. Consumers can also check a business’ history through Florida’s Department of Agriculture and Consumer Services (www.800helpfla.com) or the Department of Business and Professional Regulation (www.myfloridalicense.com).
Don’t take the first offer that comes along. Get several quotes from reliable businesses and make sure the quotes are for the same work. It’s easy to get caught up in the rush to repair your property as soon as possible, but taking the time to do research and make a wise buying decision can save consumers a great deal of hassle later on.

If consumers think they’ve been approached by a scammer, they can report the fraudulent activity to the FBI’s National Center for Disaster Fraud at 866.720.5712 or disaster@leo.gov. Fraudulent activity may take many forms beyond those mentioned above. For example, individuals may claim to be raising money for environmental causes or offer fraudulent services pertaining to the oil spill, such as remediation services. Others may submit false insurance claims for property damage.
For additional information and advice you can trust to make wise buying decisions, start with bbb.org.

Dozen suspects nabbed in Fresno's unlicensed sting

5/5/2010

Posted on 5/5/2010 by

A Fresno-area unlicensed contractor was snared twice in as many months for illegally doing business in Fresno and Madera counties, according to the state Contractors State License Board.

Hilario Santos Ortiz was among 12 suspects caught in an undercover sting operation conducted April 28-29 in Central Fresno. Ortiz was also caught at a sting on March 24 in Madera County. State investigators posed as homeowners and invited unlicensed operators to bid on electrical, flooring, tile, fencing, landscaping and concrete projects.

Click here for the Business Journals complete story on CSLB's sting.

BBB Small Business Advice: How Badly Does Your Business Need a Web Site?

5/3/2010

Posted on 5/3/2010 by

Even though consumers are more likely to use a small business that has a Web site, most small businesses still haven’t taken the time or money to create one. Better Business Bureau recommends that small business owners ask themselves four questions to help decide whether building a Web site should become a top priority.

According to Discover Small Business Watch, 47 percent of consumers surveyed say they are more likely to use a small business that has a Web site. Despite the fact that so many customers put stock in a Web site, most small businesses don’t have one. Discover Small Business Watch also found from a survey of small business owners that only 45 percent had a company Web site.

“A Web site is practically a necessity for attracting new customers in today’s marketplace, but many small business owners haven’t made the time or found the resources to create one,” said Alison Southwick, BBB spokesperson. “Depending on your business and current online presence, a Web site might just be the key to surviving and even thriving in this tough economy.”

Small business owners should ask themselves the following questions when considering whether or not Web site development should become a priority:

Can customers find you online already? When local customers search the Internet using keywords such as your industry or even your business’s name, you need your company’s contact information, at the very least, to be listed in the top results. The results might be your business’s BBB Reliability Report®, a review of your business on Yelp, or a listing on Yahoo Local, City Search or Google Local. If you can’t find your business among the top results, neither can potential customers.

Does your competition have a Web site? If your competition is online, your business needs to be right there next to them. Many potential customers start and end their search online and may go with the first business they find that has an established Web presence. If that business is your competition, then you’re already losing the battle over new customers.

How is your online reputation faring? More often disgruntled customers are taking their anger out on businesses online. They might post an angry review on Yelp, create a video on YouTube, or even build a Web site dedicated solely to complaining about a business. If a chronically disgruntled customer is making a lot of noise about your business online, you can mitigate the damage to your business’s reputation by countering with your own Web site.

Could you expand your sales online? Some small businesses can get along fine with a basic Web site that explains their services, location, and hours of operation. If your business provides products through mail order, a Web site with the capability of receiving orders can provide an easy way to expand sales geographically to potential customers that are actively searching online.

For more advice on managing a small business on a tight budget, visit http://www.bbb.org/us/Business-Tips-Index/.

2010 Census Phase 2 Begins – Census Takers Knocking on Doors Nationwide

4/30/2010

Posted on 4/30/2010 by

2010 Census Phase 2 Begins – Census Takers Knocking on Doors Nationwide

The second phase of the 2010 Census begins this Saturday as 635,000 census takers begin visiting households that did not return their census form through the mail. BBB encourages anyone who didn’t return their form in the mail to prepare for a visit from a census taker by learning what to expect and how to identify scammers.

The goal of the census is to count every man, woman, and child in the country. It is a massive undertaking and unfortunately scammers are taking advantage of the situation by sending out bogus census forms or knocking on doors and asking for sensitive information, such as Social Security numbers.

The following are frequently asked questions about census taker visiting your home:

How can I identify a census taker?

First ask to see their ID. All census workers carry official government badges marked with just their name and a confidentiality notice explaining the safety of the 2010 Census. They may also have a "U.S. Census Bureau" bag. Note that the census taker will never ask to enter your home.

What kinds of questions will they ask?

The census taker will ask the following questions:

The number of people living in the residence
Any additional people that might be living there as of April 1, 2010
Whether the residence is owned or rented
Telephone number (in case the Census Bureau has follow-up questions
Name
Gender
Age and date of birth
Whether of Hispanic origin
Race
Whether that person sometimes lives somewhere else

The census taker will not ask to enter your home or request personal information such as bank account or social security numbers.

Do I have to respond?

Yes. Your participation in the 2010 Census is vital and required by law. Not only do you have to respond, it’s in your community’s best interest that you take part. Census takers will visit households that didn’t respond by mail up to seven times for a response. If no one answers, the census taker will leave behind a door hanger featuring a phone number for residents to call to schedule a visit. It costs the Federal Government, and ultimately the taxpayer, $57 per household for the follow-up operation.

Will the census taker ask any questions other than what was on the mail-in form?

At any point in time, the Census Bureau is conducting a number of surveys in order to better understand the complexities of our nation. Therefore, you may be asked to respond to a survey that is not related to the 2010 Census. The topics include healthcare, employment and the demographics of your household. Before responding to a survey that claims to be with the Census Bureau, do your research on the Census Bureau’s Web site (“Are you in a survey?”) at www.census.gov/survey_participants.

For more information on the 2010 Census, visit www.2010census.gov.

About the 2010 Census:

The 2010 Census is a count of everyone living in the United States and is mandated by the U.S. Constitution. Census data are used to apportion congressional seats to states, to distribute more than $400 billion in federal funds to tribal, state and local governments each year and to make decisions about what community services to provide. The 2010 Census form is one of the shortest in U.S. history, consisting of 10 questions, taking about 10 minutes to complete. Strict confidentiality laws protect the respondents and the information they provide.

About BBB:

BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.

Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

Contact BBB in Central California at (800) 675-8118.

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Complaints to BBB Against Debt Settlement Companies On the Rise

4/29/2010

Posted on 4/29/2010 by

Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences, and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began in late 2007. In addition to BBB, angry customers are also taking their complaints to their state Attorney General. Attorneys General from Florida, Maine, Texas, Idaho, Missouri, New York, Illinois, West Virginia, Vermont and Minnesota have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions—which has received more than 1,600 complaints alone in the last 36 months—and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. On Wednesday, Senator Charles Schumer (D-NY) introduced the The Debt Settlement Consumer Protection Act which seeks to “protect consumers from deceptive, abusive and financially injurious practices rampant in the debt settlement industry.”

Typically with debt settlement (also referred to as debt negotiation), the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It will usually take at least six months to a year before there is enough money to start settling accounts, and during that time the consumer will typically not be making payments to creditors. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, his or her credit rating will likely suffer as a result of not making required monthly payments.

Complainants to BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside—in one case as much as $15,000.

BBB warns families that are drowning in debt to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees – Beware of companies that require large upfront fees before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.
Promises that are too good to be true– Some companies might promise that they can reduce debt by more than half even before looking into the customer’s financial situation.
Claims that it’s a fast, easy and painless process. - Reducing debt through debt settlement takes time—often years—and can have a significant negative impact on the customer’s credit score. It can also expose consumers to lawsuits and garnishments.

Before enlisting the help of a debt settlement company, BBB recommends that struggling consumers:

Contact their lender first. – Try to work out an agreement directly with your lenders before enlisting outside help.
Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or even no cost. You can find a credit counseling center near you at the National Foundation for Credit Counseling, www.nfcc.org.
Consider debt settlement only as a last resort before filing for bankruptcy. The debt settlement process can take years and have a severely negative impact on your credit rating and can limit your access to future credit. In the meantime, your credit card company or other creditors can decide to take you to court and garnish your wages. It is best to avoid these potential consequences if you have other workable alternatives to dealing with your debt.
Research the debt settlement firm with BBB first. Find out how many complaints it has received, how the firm responded to complaints and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler at www.bbb.org/credit-management/.

For more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.

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. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust. To further promote trust, BBB offers complaint and dispute resolution support for consumers and businesses when there is a difference in viewpoints. The organization is also a recognized leader in developing and administering self-regulation programs for the business community, and, with respect to the advertising industry, does that through a joint venture in conjunction with National Advertising Review Council partners. The first BBB was founded in 1912. Today, 123 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information

BBB “Secure Your ID” Day Attracts 15,000 Participants

4/29/2010

Posted on 4/29/2010 by

April 29, 2010 - Better Business Bureau helped more than 15,000 individuals and small business owners fight identity theft by shredding a record-breaking 480 tons of sensitive paper documents for free at “Secure Your ID” Day community events across North America on April 17.

“The success and popularity of ‘Secure Your ID’ Day grows every year and BBB is proud to provide this service to communities across North America,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “BBB is here for consumers not only when they need help finding a trustworthy business or when they have a grievance with a company, but also to help them guard their finances and protect their families in small ways, every day.”

For the last two years, BBB has provided free document shredding and ID theft prevention tips twice a year as part of “Secure Your ID” Day. For the recent “Secure Your ID” Day, BBB shredded more than 480 tons of paper documents—a nearly 30 percent increase over the Spring 2009 event—at 50 locations across the US and Canada.

The Fall 2010 “Secure Your ID” Day will be held October 23. For more information on BBB “Secure Your ID” Day and identity theft prevention measures for both consumers and businesses, visit: www.bbb.org/us/secureid

McAfee Offers Free Two-Year Subscription to Consumers Affected By Faulty Update

4/27/2010

Posted on 4/27/2010 by

If you are a McAfee’s customer who had an inoperable or severely impaired PC as a result of the faulty file released, they have put together a solution for you.

Here are the steps you can take.

Step 1 – Locate a local toll free support number for your country. A qualified technician is standing by to diagnose your computer’s current status and determine the fastest way to get you up and running again.

Step 2 – If the technician can’t get your system up and running over the phone, they will get you the software to get your system up and running again. You can either download the software fix from a working PC, or they will express deliver a CD to you.

For impacted home or home office customers who have incurred costs to repair PCs as a result of the security update issue, McAfee will reimburse reasonable expenses, such as a visit to a local tech support specialist. Additionally, home or home office users whose PCs were rendered inoperable or severely impaired as a result of the security update will receive a free two-year extension of their current McAfee subscription product at no charge. This extension will appear in the “My Account” section of the McAfee Web site within the next 30 days.

FDA issues new rule on Cigarettes and Smokeless Tobacco

4/21/2010

Posted on 4/21/2010 by

The FDA issued a new rule to limit the distribution, sale, and promotion of smokeless tobacco and cigarettes that will go into effect on June 22, 2010. The rule entitled, Regulations Restricting the Sale and Distribution of Cigarettes and Smokeless Tobacco to Protect Children and Adolescents, is aimed to make cigarettes and smokeless tobacco less attractive and available to kids.

The new rule prohibits the following:

The sale of cigarettes or smokeless tobacco to people younger than 18.
The sale of cigarette packages with fewer than 20 cigarettes.
The sale of cigarettes and smokeless tobacco in vending machines, self-service displays, or other impersonal modes of sales, except in very limited situations.
Free samples of cigarettes and limits distribution of smokeless tobacco products.
Tobacco brand name sponsorship of any athletic, musical, or other social or cultural event, or any team or entry in those events.
Gifts or other items in exchange for buying cigarettes or smokeless tobacco products.
Requires that audio ads use only words with no music or sound effects.
The sale or distribution of items, such as hats and tee shirts, with tobacco brands or logos.

For more information about the new rule, visit www.fda.gov.

BBB Warns Businesses About New Phishing Attack

4/12/2010

Posted on 4/12/2010 by

Beware of fake complaint reports coming from seatac@bbb.org

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. The e-mail first came to BBB’s attention on April 12, 2010.

Several businesses across the US--including law firms, advertising agencies and architecture firms--have reported receiving a suspicious e-mail from the address seatac@bbb.org with the subject line “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-Accredited businesses have been targeted.

The body of the e-mail claims that the company did not respond to a complaint filed by a Jason Harlow (however other names may be used) and includes a link to a page at www.ca-bbb.org where the business can supposedly review the complaint.

Because the message is fraudulent, BBB advises any business that receives this e-mail to take the following steps:

• Do not click on any links or reply to the message,
• Forward the message to phishing@council.bbb.org,
• Completely delete the message from your inbox, and
• Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from Better Business Bureau about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact your local BBB directly at http://www.bbb.org/us/find-a-bbb/.

For more advice on how to protect your business from malicious online attacks visit www.bbb.org/data-security/.

A copy of the actual e-mail follows:

BBB encourages people to fill out American Community Survey: Personal Information will not be shared with anyone

4/12/2010

Posted on 4/12/2010 by

Better Business Bureaus has received calls from concerned people across the country who received a Census form in the mail that asked personal questions involving their income range and employment situation. BBB advises consumers that, while most will receive a short 10-question 2010 Census survey form, they should not be alarmed if they are chosen to respond to the 69-question American Community Survey (ACS) as well.

The 2010 Census form has 10 questions covering basic information while the ACS has 69 questions on topics such as income, household expenses, employment, education, and work commutes. Some individuals who received the ACS in addition to the 10 question form contacted their BBB over concerns that the form was actually the work of scammers.

“Everyone in the country has been prepped to expect the simple 10-question survey in their mailbox and red flags automatically go up when they receive the longer and more personal American Community Survey,” said Doug Broten, president of the BBB. “While the questions in the ACS might seem invasive, especially when compared to the 10-question form, responding to the survey is safe, important and required by law.”

BBB reminds consumers that the American Community Survey and the 2010 Census will never ask for donations or bank account, Social Security or credit card numbers. The Census Bureau may contact you by mail or phone, but will not send you unsolicited e-mails requesting sensitive personal information.

Following are a few answers to frequently asked questions to the BBB about the American Community Survey:

How many addresses receive the ACS?
The ACS is sent to a random sample of approximately 3 million addresses per year, or approximately 250,000 each month of the year. This means that approximately 2.5 percent of the population will receive the ACS in any given year.

If I received both the 10-question survey and ACS do I need to respond to both?
If you receive both the 10-question form and the ACS, you are required by law to respond to both.

The questions seem to get personal, are my answers safe?
Responding to the ACS is safe and your personal information will not be shared with anyone, including other government agencies.

Why does the federal government need to ask me so many questions?
In addition to needing population counts, communities need data about the well being of children, families, and the elderly to provide services to them. The information you provide on the ACS not only helps your community get its fair share of federal funds, but also to establish goals, identify problems and solutions, and measure the performance of programs.

I received a survey from the federal government, but it isn’t the ACS or the 2010 survey. Is it legit?
At any point in time the US Census Bureau distributes a number of different surveys to the American public and the topics and length vary. Before responding to a survey you received in the mail that claims to be with the Census Bureau, do your research on the Census Bureau’s Web site (“Are you in a survey?” Link) at www.census.gov/survey_participants/.

Who do I contact if I have questions or could use help filling out the ACS?
If you need help completing your American Community Survey questionnaire or have other questions about the American Community Survey, please call 1-800-354-7271 for an English-speaking operator. If you prefer a Spanish-speaking operator, call 1-877-833-5625.

BBB business reports score high with scammers: BBB reliability reports and grades are valuable commodity

4/9/2010

Posted on 4/9/2010 by

For the second day in a row, the BBB serving Central California has heard from businesses whose good BBB Reliability Reports and grades are being co-opted and used by scammers to convince consumers to do business with them.

“Apparently the ‘Scammers University’ is teaching crooks that there is real value in having a good BBB report,” said Doug Broten, president of the BBB. “Since they have F grades themselves, they illegally borrow the reports and grades of companies with similar names.”

The BBB is issuing a fraud warning about Chartered Financial Investment Corporation which is allegedly offering advance fee loans. The company’s website misleads viewers into thinking they have a B+ rating with the BBB by using a link to a legitimate company with a similar located in Clovis. The BBB was notified of the scam by Paul Honkavaara, owner of Chartered Financial Group, who received a call from an angry consumer stating that he had wired his advance fee payment and wanted his loan.

Chartered Financial Investment Corp. lists an address in Burlingame, CA which the BBB has verified as an empty office space. California telephone numbers for the company (650-351-1899/866-580-8330) have been disconnected, but the company is apparently still reaching out to consumers via email and wire addresses located in Canada.

Advance fee loans prey on people who cannot otherwise obtain legitimate loans. In the case of Chartered Financial Investment Corp., the advance fee of $2,000 is wired to Canada and there is no subsequent loan.

Courtesy Moving, a BBB Accredited Business in Fresno with an A+ rating, received a call from a woman who had been in contact with a company called Courtesy Van Lines. The company’s rep said that Courtesy Moving was their “formal” name and that the woman could check them out as long-time members of the BBB. The scammer’s slip up came when the woman called the phone number listed on the BBB reliability report to ask some more questions about her move.

Moving scams most frequently involve companies that offer consumers a very low bid on their moving jobs and then hold the furnishings hostage until a higher price is negotiated in the new location or home. In this case, Courtesy Van Lines said it could accommodate the moving request at less than half the standard rate for legitimate long distance moving companies.

Courtesy Van Lines, which is a dba of a company called Mayflower Moving & Storage which has an F rating out of the BBB serving San Jose. The company also does business under the names City Transport Inc. and US Movers. Their PUC license is currently suspended and their US DOT license is expired.

The BBB encourages businesses to verify the information when a company claims to belong to the BBB. Make sure contact information matches and call the company at its listed numbers just to verify they are the company you think they are.

BBB issues warning about fraudulent advance fee loan operator: Scam company using another company’s BBB Reliability Report

4/8/2010

Posted on 4/8/2010 by

The BBB is issuing a fraud warning about Chartered Financial Investment Corporation which is allegedly offering advance fee loans. The company’s website, http://charteredfinancialcorp.com, misleads visitors into thinking they have a B+ rating with the BBB by using a link to a legitimate company with a similar name in Clovis. The BBB was notified of the scam by Paul Honkavaara, owner of Chartered Financial Group, who received a call from an angry consumer stating that he had wired his advance fee payment and wanted his loan.

Advance fee loans prey on people who cannot otherwise obtain legitimate loans. Advance fee loan brokers usually advertise their services in the newspaper, or broadcast over the TV or radio. Operators require a cash advance to the broker, usually ranging from $25 up to $3,000 or more, to find a loan. What many people fail to realize is that the broker is not a lender. Loan brokers cannot make real estate loans and do not lend money directly to borrowers. The broker acts as a go-between for the client and the lender.

In the case of Chartered Financial Investment Corp., the advance fee of $2,000 is wired to Canada and there is no subsequent loan.

Under some advance fee contracts, the original fee charged may not be refunded if the lender denies your loan. Other contracts do allow refunds if the lender denies your loan and you obtain the same or larger amount from another lender. If the company offers a money-back guarantee, make sure you know what the guarantee covers, what the specific requirements are, and how long it is in effect. Secure this information in writing several days in advance of signing an agreement or paying fees.

The BBB strongly advises would-be borrowers to exercise caution before paying advance fees to any unknown firms or brokers who say they can find loans. According to the FTC, legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.

If you apply for a real estate loan, it is accepted and common practice for lenders to request payment for a credit report or appraisal. However, legitimate lenders never ask you to pay for processing your application. Never give your credit card, checking account, or social security numbers over the phone. If you are having financial problems, you may wish to seek assistance of a non-profit counseling service in your area.

For further information and how to protect yourself, contact the FTC at 1-877-382-4357 or visit their website, www.ftc.gov.

BBB urges consumers to learn the rules about cash for appliance clunkers

4/7/2010

Posted on 4/7/2010 by

The BBB serving Central California is encouraging consumers to check out the details before making a purchase under the cash for appliance clunkers program. The program starts April 22 and runs through May 23, 2010.

“This is a great opportunity to replace some outdated household appliances, but there are strict rules for the program if you want to receive your rebate,” said Doug Broten, president of the BBB. “There is also a common misconception that the old appliances do not need to be recycled and that is a requirement of the program.”

The California website for the program, www.cash4appliances.org, is a good place to go to learn more about the program. The rules include:

Appliances must be purchased during the rebate period of April 22-May 23, 2010 from a California retailer. No out-of-state or online purchases will qualify for rebates.

Only certain authorized clothes washers, refrigerators and room air conditioners qualify. You can check at the website listed above or call a local retailer for specific information on which types of these appliances qualify. Eligible washers qualify for a $100 rebate; refrigerators qualify for a $200 rebate and air conditioners qualify for up to $50 rebates. The program website also offers information about what other rebates may be available as well through other programs.

The existing appliances must be recycled. Like the Cash for Clunkers program, recycling must be done through a California Certified Recycler. Recycling services may also be offered by the Platinum retailers partnering with the program as well as utility company buy-back programs and city or county government agencies.

The rebates are after-purchase and appliances must be installed before a rebate claim is submitted. Consumers can receive only one rebate per type of appliance featured in the program and a separate rebate form must be completed and signed by an authorized recycler for each appliance. Completed forms must be submitted within 30 days of the date of purchase. Forms can be obtained at your local appliance dealer or downloaded at www.cash4appliances.org.

Before purchasing an appliance, be sure to check the reliability report of the appliance dealer with the BBB at bbb.org or by calling 800-675-8118.

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BBB issues alert about Vanity Publications

4/5/2010

Posted on 4/5/2010 by

It may feel like an honor when you receive an invitation to be included in a Who’s Who directory. The invitation (usually faxed or e-mailed) points out that this prestigious offer is only for the most distinguished men and women in your type of business.

What the invitation does not tell you is that acceptance into these questionable Who’s Who directories is usually based on some form of charge to you. Whether it is a “publishing fee,” a membership fee, or a minimum number of directories that you need to purchase, the company wants your money to put your name in the book and the fees can be as high as several hundred dollars. In short, these are vanity publications, where you pay to get your name in print. Some of these Who’s Who publications aren’t even printed directories; they are online publications.

While there are legitimate Who’s Who biographical directories, such as A & C Black or the Marquis Who’s Who, those publications have an elaborate selection process and potential honorees are not solicited by fax or e-mail. Marquis offers some features associated with the vanity press business models, such as selling merchandise to persons selected as biographies, although this is not a criterion and there is never a charge for being listed, nor are aggressive sales tactics used.

IT IS NOT ENOUGH TO SIMPLY CHECK THE LISTED WEBSITE OF A COMPANY. Before doing business with any company, you should always check their reliability

report with the BBB (1.800.675.8118) or www.bbb.org.

New Rules Go Into Effect to Protect Air Travelers

4/5/2010

Posted on 4/5/2010 by

Complaints to Better Business Bureau about airlines have increased by more than 170 percent in the last five years. Good news is on the horizon, as BBB explains, new rules and regulations go into effect this month to provide better consumer protection for air travelers.

According to the Department of Transportation (DOT), most complaints against airlines are about flight problems—including delays and cancellations—and lost baggage. Some more famous angry customers took their complaints online in the last year by performing songs like “United Breaks Guitars” for YouTube or posting videos of being stuck for hours on the tarmac with other angry passengers.

“Harried air travelers have grown increasingly angry and vocal both online and offline about how they feel they are being treated and the Federal Government is taking notice,” said Alison Southwick, BBB spokesperson. “These new regulations will hopefully result in happier fliers and fewer complaints to BBB.”

Following are the new regulations that go into effect April 29 by the DOT to improve customer protections when flying in the US:

Customer Complaints – Airlines are now required to acknowledge customer complaints within 30 days and address the issue within 60 days.

Tardy Takeoffs - DOT is now allowed to penalize airlines for any domestic flight that is more than 30 minutes late on at least half its trips each month for four months in a row.

Tarmac Tribulations – Airlines are required to provide adequate food and potable drinking water for passengers within two hours of the aircraft being delayed—lavatories must also remain available and operable. If the plane is delayed more than three hours on the tarmac, it must return to the gate and deplane the passengers—barring any safety or airport disruption concerns.

Web Site Wait Times – Airlines are required to display on their Web site flight delay information for each domestic flight they operate. The Wall Street Journal reports, however, that the airline industry is asking for an extension on the deadline for compliance on this specific issue because of technology constraints.

Relaying Your Rights – Airlines must include on their Web site a customer service plan which, as recommended by DOT, would outline the company policies in regard to overbooking, baggage handling, handling customer complaints and many other customer service issues.

More information on these new rules can be found online at www.regulations.gov. Upset airplane passengers are encouraged to file a complaint with both the DOT and BBB online.

For more advice you can trust to become a smart traveler, visit http://www.bbb.org/us/consumer-tips-travel/.