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BBB Tips for Avoiding Auto Repair Scams

2/8/2012

Posted on 2/8/2012 by

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you do need to know how to find a reliable shop and mechanic.

While many auto repair shops are legitimate, there are always those unscrupulous few that end up sucking thousands of unnecessary repair dollars from consumers. In 2011, the BBB received more than 1.5 million inquiries from consumers looking to find a reliable business in the industry. In addition, the BBB fielded 14,500 complaints regarding billing, service, and refund and exchange issues.

BBB recommends considering the following advice when taking your car in for auto repair services:

Check your warranty. If you encounter a problem with your vehicle while it is still under warranty, follow the manufacturer's instructions, which may require that repairs be made at an authorized dealership.

Ask around. If you are looking for a qualified, independent shop, ask friends for recommendations, or request a list of BBB Accredited Businesses that do the type of auto repair you need. Be sure to check with the BBB about the shop's reliability at bbb.org/search. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, find a shop that employs a specialist.

Ask questions. Don't be embarrassed to request full explanations of needed repairs. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be informed of the problem, course of action and cost before any work begins.

Get a written estimate for parts and labor. Ensure you receive advance notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and, before you leave, be sure to understand all shop policies regarding labor rates, guarantees and acceptable methods of payment.

Get everything in writing. When you pick up your vehicle, get an explanation of completed work and get all guarantees in writing. Ask to see any major new parts that have been installed. Make sure that your repair bill is itemized so that if a problem occurs later, you can prove the item is covered by the guarantee.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Mo Money Taxes Leaving Consumers with Serious Questions

2/8/2012

Posted on 2/8/2012 by

A number of Better Business Bureaus across the country have received consumer complaints and media questions about a tax preparation company called Mo Money Taxes (aka MoneyCo USA).

Mo Money Taxes, a tax preparation company headquartered in Memphis, Tenn., has an F rating with the BBB in Memphis for failure to respond to consumer complaints.

The Arkansas Attorney General sued the company in 2010 over its failure to properly disclose its fees. Police in Norfolk, Va., have confiscated computers and closed the local office. BBBs around the country have given local offices and franchises varying grades based on consumer complaints in their area.

Some of the complaints to BBBs include:

· Consumers were promised their refunds by the end of January but have not yet received them;
· Consumers are going to some Mo Money offices and finding them closed;
· Consumers tell BBB that Mo Money doesn’t answer the phone or return calls; and
· Consumers allege that Mo Money blames the delay on IRS problems/computer glitches but some consumers have contacted the IRS directly and have been told the refunds have been sent.

There is no official response from the IRS at this point, and Mo Money Taxes is still listed on the IRS website as an acceptance agent.

If looking for a professional tax preparer, BBB recommends you follow these tips:

Get references and do your research. Get referrals from friends and family on who they use and check out the company at bbb.org to see its BBB rating and BBB Accreditation status.

Look for credentials. It's recommended to seek a tax pro who is an enrolled agent, certified public accountant or a tax attorney. These preparers have completed extensive examinations on tax matters and must stay current by meeting continuing professional education requirements. Only CPAs and tax attorney’s can represent you in Tax Court if you are audited.

Get a firm estimate in writing. The cost of preparing your return will vary depending on the complexity and completeness of your information. Before you agree to move forward, present all of your information and get a firm estimate in writing.

Don’t fall for the promise of big refunds. Be wary of any tax preparation service promising larger refunds than the competition, and avoid tax preparers who base their fee on a percentage of the refund.

Think about accessibility. Many tax preparation services only set up shop for the months leading up to April 17. In case the IRS finds errors, or in case of an audit, you might need to be able to contact your tax preparer throughout the year; be sure to find out how you would do so.

Avoid Refund Anticipation Loans. Tax preparers often offer refund anticipation loans to allow you to immediately receive your tax refund; however, this is not an actual refund from the IRS but a short-term loan from the company typically with a high interest rate. To avoid RALs, consider filing your taxes electronically and requesting to have your money direct deposited.

BBB Offers Bridal Fair Do's and Don'ts

2/6/2012

Posted on 2/6/2012 by
Valentine’s Day – the most romantic of days for engagements! – is just around the corner as are bridal fairs and expos designed to help future brides and bridegrooms plan for their big days.

If you plan to attend a bridal show, your Better Business Bureau offers these helpful tips:

• Consider creating a new email to keep track of all of the special offers and electronic newsletters you’re likely to receive as a result of registering for and attending a bridal fair. A separate email account also helps reduce high volumes of email in your personal inbox.

• Take a notebook or pad and pen to jot down information on something you see that you hadn’t thought of or the name of the designer of a wedding gown you see during the fashion show. A camera can be helpful, too.

• Before falling in love with a vendor and their services, ask if the company is available for your wedding date. Also ask whether the special packages and pricing being offered at the bridal event are available after the show as well. Be careful of high-pressure sales tactics to make you commit to a product or service on the spot.

• Bring someone you trust who is not as emotionally and financially connected to the wedding planning as you. This individual may provide a different, yet helpful, perspective when talking with vendors and visiting booths.

• Research the vendor before signing a contract. The goal of a bridal expo vendor is to make connections, get exposure and attract the right brides for their services. However, future brides and bridegrooms should take the time to check out wedding vendors’ reputations in the industry and can start by reading the vendor’s BBB Business Review at wynco.bbb.org.

• Get all sales promises in writing, including specific dates, products, prices, name brands, etc. Make sure all oral agreements are included in the written contract. Cancellation policies should also be included.

• Because you can dispute the charges, credit cards offer consumers added protection in the event of a problem. Checks and cash don’t offer this protection.

Beware Difference between 'Notario' and 'Notary Public'

1/31/2012

Posted on 1/31/2012 by
In some Latin America countries, a notario is a lawyer. In others, the title denotes someone who holds public office. In the United States, however, a notary is simply someone legally empowered to witness and certify documents and take affidavits and depositions.

These two words and their respective descriptions are causing major headaches for Spanish-speaking immigrants, according to Debora Wagner, managing attorney for Colorado Legal Services in Greeley, Colo., because notarios are preying on the misunderstanding between these two words.

“They are giving legal advice, taking people’s money and not helping them with their immigration cases,” she said. One notario went so far as to claim she worked for Colo. Sen. Bennett’s office.

Whether you’re renewing a Green Card, becoming a citizen or trying to choose the right forms, immigration issues can be complicated and it’s important to do things right.

In the United States, people who call themselves notarios charge exorbitant fees but will not help you and in fact may hurt your efforts. Some charge for blank government forms, say they have a special relationship with the government, or guarantee to get you results. Some might even promise to get you a winning slot in the Diversity Visa lottery or guarantee temporary protected status – if you pay a fee.

Immigration scams are illegal. If you or someone you know has seen an immigration scam or been the victim of one, it should be reported to the FTC or your attorney general.

The BBB, in partnership with the FTC, offers the following tips to avoid notario scams:

• Don’t go to a notario, notario público or a notary public for legal advice. In the United States, notaries are not lawyers.
• Never pay for blank government forms. They are free and available at uscis.gov/forms, by calling 1-800-870-3676, or by visiting your local U.S. Citizenship and Immigration Services office.
• Get correct immigration information from U.S. government websites. Some scammers set up websites that appear as if they are run by the government although they are not. A legitimate government website address ends in dot gov (.gov).
• Don’t let anyone keep your original documents, such as 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 contains false information. 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! You will need this receipt to check on the status of your application.

If you need help with immigration matters and don’t know where to turn, you can visit justice.gov/eoir/probono/states.htm to see the list of immigration lawyers in your area who don’t charge or who charge low fees. You can also call USCIS at 1-800-375-5283 to ask about lawyers in your area.

The American Immigration Lawyers Association also maintains a list of lawyers available to help for a fee.

If you want to determine if someone is a lawyer or if a lawyer is in trouble for breaking the rules, visit your state's Bar Association website or visit the U.S. Dept. of Justice for a list of lawyers not allowed to practice law.

For more information about scams against immigrants, in English or Spanish, visit the FTC.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Warns of Do Not Call Phone Scam

1/30/2012

Posted on 1/30/2012 by

Better Business Bureau warns consumers that scammers are making phony phone calls claiming to represent the National Do Not Call Registry.

According to DoNotCall.gov, “The calls claim to provide an opportunity to sign up for the Registry. These calls are not coming from the Registry or the Federal Trade Commission, and you should not respond to these calls. To add your number to the Registry you can call 888-382-1222 from the phone you wish to register, or go click on ‘Register a Phone Number’ in the left column of this page.”

The National Do Not Call Registry gives consumers an opportunity to limit the telemarketing calls they receive. Once they register their phone number, telemarketers covered by the National Do Not Call Registry have up to 31 days from the date their telephone number is registered to stop calling.

BBB reminds consumers:

· Do not provide any personal information to unknown callers, including bank information, Social Security Number and contact information.

· If your number is already registered with the Do Not Call Registry, your registration does not expire. You can verify if and when your number was registered by going to DoNotCall.gov.

· The Federal Trade Commission does not allow private companies or other third parties to register consumers for the National Do Not Call Registry. Websites or phone solicitations that claim they can or will register a consumer’s name or phone number on the National Do Not Call Registry — especially those that charge a fee — are almost certainly a scam.

· FCC regulations prohibit telemarketers from using automated dialers to call cell phone numbers. As automated dialers are standard in the industry, most telemarketers are barred from calling consumers on their cell phones without their consent. However, you can still register your cell phone number if you’d like.

· You can file a complaint with The National Do Not Call Registry if you are still receiving unwanted phone calls after your number is on the registry for 31 days. Record the date and time the calls were made so that you can include that information in your complaint.

· Report telephone scams to BBB, the FTC and the Texas State Attorney General. The Telemarketing Sales Rule gives the FTC and local law enforcement officers the power to prosecute fraudulent telemarketers who operate across state lines.

Don't Cruise into a Vacation Scam

1/27/2012

Posted on 1/27/2012 by
As the winter months set in and the snow piles up, nothing sounds better than relaxing under a tropical sun.

While many cruise deals are legitimate, there are always those sneaky few that end up sucking thousands of dollars from victims. In 2011, the BBB received more than 1,300 complaints against cruises.

The BBB and CruiseCritic.com recommend the following tips:

Don’t be a victim. Vacation scammers use high-pressure sales to make you purchase a vacation deal on the spot. A reputable business or travel agent provides any information that you request and gives you time to decide before booking a vacation.

Always check the business first. If an offer sounds too good to be true, it usually is. Before giving a business any personal information, check out its BBB Business Review at www.bbb.org/search. Consumers can also contact the Cruise Lines International Association for information on finding a reputable travel agent.

Pay with a credit card. Pay for your cruise – both the deposit and the final payment – with a major credit card, which allows you to dispute questionable charges later on. However, this protection may not apply to debit or check cards.

Ensure your money is in the right hands. Review your credit card or bank statement to make sure any applicable charges originate directly with the cruise line, not with the travel agency. If you must pay by check or money order, do so directly to the cruise line, not to the agency or an individual.

Get proper confirmation of your booking. Insist on getting the actual cruise line's confirmation numbers. You’ll be reassured that your reservation is secure and you’ll also be able to make advance reservations for shore excursions, restaurants and spa treatments.

Don’t be afraid to ask lots of questions. Before signing on the dotted line, make sure all details are clearly outlined and pricing is thoroughly explained. Be sure to check for hidden cancellation fees, port charges or insurance processing fees that haven’t been covered.

Consider investing in travel insurance. Travel insurance can provide protection in the event of an accident, an illness, lost luggage or a canceled or interrupted trip, among other things. Follow the same steps outlined here when buying travel insurance.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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Scammers Pick Up the Phone in New Twist on BBB Phishing Scam

1/26/2012

Posted on 1/26/2012 by

Better Business Bureau is warning consumers about a new twist in the ongoing BBB phishing scam. Consumers now are reporting receiving phone calls – in addition to emails – from scammers claiming to be from BBB.

In the scam, callers offer help removing a virus from the recipient’s computer. They claim the computer was infected when the owner downloaded a virus from an email scam using the BBB name. Consumers reported scammers calling from 858-102-3252.

BBB is cautioning consumers not to give out any personal information to callers or to install or download any software they recommend.

Since late November, many consumers and business owners nationwide have received phishing emails appearing to be from a BBB.org email address. These emails inform the recipient of a non-existent BBB complaint against their business and encourage them to respond. In a newer take on the scam, emails urge the recipient to update their information with BBB by completing an online form. All emails either contain an attachment or a link to a third-party website, both of which download a virus on to the recipient’s computer.

Should you receive a suspicious email, don't click on any links. You can test the links by using your mouse to hover over them. The destination of the links will appear in a small pop-up box next to the link or at the bottom of the screen. See the screenshot below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

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

1/20/2012

Posted on 1/20/2012 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's trusted name is another phony complaint notification.

The email 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 nonaccredited 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 advises 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 970-484-1348 or 800-564-0371

Set Budget Now for 2012 Spending

1/19/2012

Posted on 1/19/2012 by

The holidays are now just a fond memory, but that credit card bill sitting on your kitchen counter remains a call to action: A holiday savings plan.

Traditionally, Christmas club accounts have been offered at credit unions and most banks and now some retailers offer them as well. In all instances, customers make regular payments into the savings account until they start making withdrawals for holiday expenses in the fall.

If you’re considering setting up a Christmas club account, your BBB offers the following suggestions:

Build a budget and stick to it. Consider how much you will want to spend for the holidays and how much you need to set aside every month. The BBB, along with ClearPoint Financial Solutions, has developed an interactive budget tool that includes a holiday spending calculator.

Start saving now. The sooner you start setting aside money every month, the better. By setting up a Christmas club account in January or February you’ll benefit more from the interest rate and start the year off on the right foot.

Shop around and ask around. Interest rates on Christmas club accounts vary, so shop around for the best deal.

Read the fine print. Christmas clubs are essentially short-term savings accounts, but terms vary. Some require higher opening deposits or minimum monthly deposits. In addition, some impose a financial penalty for withdrawing funds before the holiday shopping season begins.

Automate the process. Most Christmas club accounts allow for monthly automatic deductions from your bank account or paycheck. Just make sure that you don’t set aside so much that you run the risk of overdrawing your accounts.

Know the deal with retailer Christmas clubs. Some stores now offer their own Christmas clubs. However, the money tucked away with the business all year long can only be used at its stores, so evaluate your holiday shopping needs before signing up with a specific retailer.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Set up a Disaster Plan for Your Business and Employees

1/17/2012

Posted on 1/17/2012 by

If disaster strikes your business, will you be ready?

Businesses that have continuity plans in place – and use them during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan. Those that don’t have such a plan struggle to reopen – if at all.

According to the Insurance Institute for Home and Business Safety, one in four businesses involved in a natural disaster or emergency never reopen for business.

The BBB offers the following tips for creating a disaster plan for your business:

Don’t be caught off guard. Consider the different types of disasters – fire, flood, tornado – that can occur and how each could impact your business, whether for a few days or several weeks or months.

Know your surroundings. Determine how your business will operate if displaced from your current building. Can employees work from home? Is there an alternate location that could be used as a temporary storefront or office?

Prepare staff. Identify essential staff and keep a list of their phone numbers and email addresses that can be accessed by employees from several locations (home, Internet, etc.).

Communicate, communicate, communicate. Devise an emergency communications plan that outlines how your business will communicate with employees, customers, vendors and other key external contacts following a disaster. Contact vendors and suppliers to confirm their emergency response plan procedures. Be prepared to use alternate vendors for essential supplies and equipment. Keep backup equipment in good working condition.

Have an up-to-date inventory of your assets. Review your insurance policies to ensure that you have adequate coverage for items you cannot afford to lose. A standard policy may not cover business interruption losses.

Store your documents safely and efficiently. Keep duplicates of personnel, payroll, payables and receivables, and other essential records at an off-site location. Regularly make backup copies of important computer files.

Establish a succession of management. Determine who will manage the company if key leaders are unavailable.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Names Top Scams of 2011

1/11/2012

Posted on 1/11/2012 by

The Better Business Bureau serving Northern Colorado and Wyoming has released its list of the Top 10 scams of 2011.

Employment/Job Scams
Secret shopper schemes, work-from-home scams and other phony job offers often begin with emails, websites and online applications followed by telephone interviews and requests to provide credit reports and bank information for direct deposit of paychecks. Of course, there is no job.

Sweepstakes/Lottery Scams
Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send a smaller amount of money to cover fees and “taxes.”

Social Media Scams
Viral videos claiming to be sent by friends have links that prompt you to “upgrade your Flash player,” but the file actually contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data.

Home Improvement Scams
Traveling contractors offer homeowners great deals on roofing, paving or home repair but deliver shoddy work or take your money and run. Find a trustworthy home contractor at wynco.bbb.org.

Check Cashing Scams
A buyer sends a check for more than the amount and requests that the extra be returned via wire service. The check is phony and you lose the money you returned.

Phishing Scams
Phishing emails install viruses on your computer to hunt for personal financial data. They look like legitimate requests from your bank/insurance company/Internet provider to update account information as well as legitimate messages from well-known companies and brands (this year, even the BBB name was used in one such scam!).

Hotel Identity Theft Scams
In 2011, hotels began posting warnings in their lobbies to beware of phony middle-of-the-night calls to their rooms informing them of a hotel computer crash and that their credit card information is needed again.

Financial Scams
When the federal government expanded mortgage relief programs, sound-alike websites popped up to fool consumers. Most ask for an upfront fee to deal and almost all leave you in more debt than when you started.

Penny Auctions
Penny auctions claim you can get something useful - cameras, computers, etc. – for next to nothing. But you pay a small fee for each bid (usually 50 cents to $1) and if you aren’t the winner, you lose all the money you bid.

Advance-Fee Loan Scams
Online lenders promise loans, but then require an advance fee as “insurance” or “collateral” via wire transfer. After the money is wired, you’re told you don’t qualify and have no way to get your money back.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB's Top 10 Resolutions for a Consumer-Savvy New Year

1/11/2012

Posted on 1/11/2012 by

If you have yet to make resolutions for the New Year, it’s not too late. And you’re not alone.

Forget about those hard-to-keep resolutions such as losing 10 or more pounds, learning to cook like Julia Childs or winning the lottery. Instead, focus on one resolution that’s easy to keep year-round: Be a savvy consumer.

With that in mind, your BBB offers the following 10 ways to make your resolution stick throughout all of 2012.

1. Beware of job offers to make easy money. Scammers target job hunters, so beware of offers, work-at-home schemes or business opportunities promising big money for little work and no experience.

2. Look for the BBB seal and always check businesses out before buying. Nearly 400,000 businesses meet your BBB’s Standards for Trust and bear the BBB Accreditation Seal. But, your BBB doesn’t just report on Accredited Businesses. You can review reliability reports for nearly 4 million businesses by visiting wynco.bbb.org.

3. Always read the fine print – especially for free trial offers. People complain to the BBB after signing up for free trial offers online that result in repeated charges to their credit or debit cards sometimes amounting to as much as hundreds of dollars every month. Read the terms and conditions of free trial offers before handing over credit or debit card numbers.

4. Keep your computer safe. Install anti-virus software on your computer and regularly check for software and operating system updates and patches. Don’t open attachments or click on links in emails unless you can confirm they come from trusted sources.

5. Never wire money to someone you don’t know. Many scams require you to wire money back to the scammers, who know tracking money sent via MoneyGram or Western Union is extremely difficult. Even more troubling is it’s nearly impossible to get your money back.

6. Fight identity theft. Always shred paper documents that include sensitive financial data and dispose of computers, cellphones and digital data safely. Your BBB offers tips and checklists on what to shred and hosts annual Secure Your ID events nationwide to help you stay safe.

7. Ask your BBB for help. File a complaint with your BBB if you have a disagreement with a business or have been ripped off by a scammer.
8. Create a budget and stick to it. If you’re cash-strapped, setting a budget can help you stay afloat in 2012. Your BBB has advice on how to create a budget and help you get out and stay out of debt at www.bbb.org.

9. Fight fake check fraud. Educate yourself on the common types of check fraud and be wary of checks that come with claims you’ve won the lottery, are eligible for a government grant or have landed a job as a secret shopper.

10. Get everything in writing. Don’t just take a business’ word for it. Get verbal agreements in writing to limit miscommunication and misunderstandings between your expectations and what the business delivers.

Being a savvy consumer is ultimately about using money wisely. This year, resolve to create a budget, research businesses before buying and stay away from scammers. Good luck! And happy New Year!

BBB Tips for Home Winterization

12/29/2011

Posted on 12/29/2011 by

If you want a cozy home and lower utility bills, now is the time to winterize your home – if you haven’t already done so.
Where to start? What to consider?

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

Furnace. Furnaces older than 15 years might be due for a replacement. At the very least, make sure the furnace filter is clean, the thermostat works properly and the pilot light functions properly. If hiring an inspector to check out the furnace, use the BBB database of Accredited Businesses at wynco.bbb.org to find one you can trust.
Insulate. If you can see ceiling joists in your attic, it’s time to add a layer of insulation to prevent warm air from escaping. The rule of thumb is that insulation should be 11 to 12 inches thick.

Chimney. Before lighting up the fireplace, have the chimney inspected by a reliable chimney sweep (find one at wynco.bbb.org) for animals, debris and leaves that may have fallen in. BBB also recommends installing a screen over the chimney opening.

Gutters and ridge vents. Gutters should be cleaned to prevent any clogs that would cause rainwater to back up and freeze, making the gutters expand and crack. The ridge vents need to be cleaned as well in order to allow the house to "breath" correctly. Otherwise, air will stagnate and create an unhealthy environment.

Smoke alarm and carbon monoxide detectors. Test smoke alarms and carbon monoxide detectors and install fresh batteries. Consider replacing smoke alarms older than 10 years.

Caulking and weather stripping. Inspect the caulking around windows and doors and check for cracking and peeling, and ensure doors and windows shut tightly and cold air isn’t present due to worn-out weather stripping.

Emergency kit. When a winter storm strikes, an emergency kit should have all essential items in one handy place. Your emergency kit should include flashlights, candles and matches, a first-aid kit, bottled water, nonperishable food and a battery-powered radio. BBB recommends creating the same emergency kit for the car as well, including a couple blankets.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Gfit Recipts Key to Many Happy Returns

12/21/2011

Posted on 12/21/2011 by

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

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

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

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

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

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

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

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

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Warns of Phone Scam Aimed at Hotel Guests

12/21/2011

Posted on 12/21/2011 by

Scammers know that many people travel to see family and friends during the holidays, which is why the BBB warns holiday travelers to beware of a telephone phishing scam designed to steal their credit card numbers.

BBBs around the nation are hearing from travelers who receive such calls.

How the Scam Works

A hotel guest receives a phone call in the wee hours of the morning. The caller claims to be a hotel employee who needs to get your credit card number because:

1. The hotel encountered a problem processing your credit card and they need to verify your number.
2. The hotel's computer system has crashed and they need to get your credit-card information again.
3. The hotel's system has crashed and your credit card information is needed for an audit to be conducted shortly.

All are plausible scenarios. The crooks count on catching you while you are asleep so that you are groggy and not thinking clearly when answering the phone. To compensate for the inconvenience, the scammer might even offer room discount.

Hotels generally handle billing questions at the front desk, not over the phone. And they certainly won’t call in the middle of the night.

Your BBB advises:

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

A Dictator Dies, Let’s Spam People

12/20/2011

Posted on 12/20/2011 by

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

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

BBB’s advice:

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

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

Phony Debt Collectors Target Pay Day Loan Borrowers

12/20/2011

Posted on 12/20/2011 by

According to reports received by BBB offices in several states, the scammers accuse the victim of defaulting on a loan and claim they are about to be sued. The victims are then given the chance to prevent this by wiring money or providing bank account information to the debt collector before the matter goes to court. In many cases, victims are subject to dozens of nasty, abusive phone calls in a matter of hours. The con artists claim to be from companies called “First Cash International,” the "Financial Accountability Association" or the "Federal Legislation of Unsecured Loans," BBB officials say.

More disturbing is that the bogus collectors have the victims' Social Security numbers, home addresses, information about employers, some credit references and even old bank account numbers. The victims are asked to "verify" other private information that could make them subject to identity theft.

The Better Business Bureau has reported the scam to the Federal Bureau of Investigation and the Federal Trade Commission. However consumers remain at risk.

If you get one of these phone calls do not provide any verifying information. Either hang up or demand that the debt collector send verification of the debt in writing. Then:

• Immediately put a fraud alert on your credit file with all of the major credit bureaus, Experian, Equifax and Transunion. Because the scammers have consumer Social Security numbers, your risk of becoming a victim of identity theft is increased.

• You will automatically get a copy of your credit report when you issue the fraud alert. Be sure to read it carefully and identify any item that's not yours.

• If there are numerous new accounts or "hard" inquiries --where you have supposedly requested credit -- file a police report. (Soft inquiries are when a creditor has requested general information about you to provide a pre-approved offer of credit. These are common.)

• Call the BBB at 970-484-1348 or 800-564-0371 if you believe a debt collector is trying to scam you.

Meanwhile, if you have gotten one of these harassing phone calls, please share the details and how you handled it for the benefit of other potential victims.

According to complaints from BBBs, phone numbers the scammers are using include: 949-468-5107, 415-200-0274, 213-784-5745, 916-236-4574 and many more.

BBB Warns Homeowners: Changes to Mortgage Rules Bring Out Scams

12/20/2011

Posted on 12/20/2011 by

Arlington, VA – As of December, some homeowners who are under water with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

BBB is warning all homeowners who are thinking of applying for a HARP refinance to:

Deal directly with your lender first, and never make payments to anyone other than your lender.
Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.
Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.
Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.
Be especially careful of look-alike and sound-alike websites.
Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).
Report scams to BBB at www.bbb.org/us/scam-source.

The changes to the HARP program were announced by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac. Some lenders will begin accepting applications as early as today, although many will take a few weeks or even a few months to roll out the program. More than one million borrowers are expected to apply for the program, according to the Federal Housing Finance Agency, which oversees the two major mortgage lending programs.

Check out businesses and charities before you buy, donate or invest at www.bbb.org. Additional mortgage and credit-related tips are available at www.bbb.org/us/clearpoint-tips.

If you have credit problems, find a credit counseling agency in your area by calling 800-388-2227 (en Espanol 800-682-9832).

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

BBB Tips for Avoiding the Holiday Travel Headache

12/19/2011

Posted on 12/19/2011 by

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather on the road. Staying safe should be a top priority for all travelers so Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

Create a car safety kit. Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include blankets, flashlight with extra batteries, radio, first aid kit, jumper cables, nonperishable foods, bottled water, an ice scraper and warm gloves.

Take the car in for a checkup. Breaking down on the side of the road can put a damper on your holiday spirit. If your car is due for a checkup, take it in before making that long haul. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

Take BBB with you. When you’re away from home or in the midst of an emergency, it’s hard to know which businesses – such as tow trucks and locksmiths – you can trust. The good news is you can now rely on BBB’s mobilized website or the BBB iPhone App. for finding businesses you can trust.

Start early and slow down. The best way to fight holiday traffic is to give yourself extra time to make the trip and don’t speed. (Getting a speeding ticket adds travel time and puts a dent in your holiday travel budget).

Drop the distractions. According to the Insurance Institute for Highway Safety, drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. When you’re behind the wheel, don’t text and drive, use a hands-free headset when talking on the phone, and get someone else to fumble with the GPS.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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

12/19/2011

Posted on 12/19/2011 by

Arlington, Virginia – An email scam using the Better Business Bureau’s name and logo continues to proliferate across North America, and even to some overseas addresses. Most of the emails carry the famous BBB torch logo and come with the subject line “Complaint from your customers.” The emails have a link or an attachment containing malicious phishing malware that steals information, often with devastating results.

Larry Andrus is a member of the board of directors of BBB Western Michigan and also the CEO of Trivalent Group, Inc., a BBB Accredited Business that helps its clients manage, access, protect, and store their data. One of his firm’s clients opened the affected attachment, which launched malware that quickly found the accounting office’s computers, accessed bank numbers and passwords, and nearly completed a fund transfer from the company’s account.

“We had to completely wipe the computers in order to contain the damage to our client,” said Dawn Simpson, Trivalent’s vice president of marketing and business development.

Because of experiences such as this one, BBB has updated its advice and recommends the following to anyone who receives the email:

• Do not open any attachments
• Do not click on any links
• Delete the email from your inbox, and then delete it again from your trash or recycling folder
• Run a full system scan using reputable virus software

Previously, BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. But due to the virulent nature of the virus, the new recommendation is for everyone who receives it to do the scan. In offices or homes that are networked, all computers should be scanned.

Chris Garver, chief information officer at the Council of Better Business Bureaus, recommends that all domain owners set up a sender policy framework (SPF) and set their spam filter to use it. “Using the SPF standard helps fight spam and phishing attacks by allowing your email servers to verify whether an email is legitimate…or not,” he says.

Microsoft offers a simple, four-step process for setting up an SPF: www.microsoft.com/mscorp/safety/content/technologies/senderid/wizard/

If you receive an email saying your business has a complaint filed against it with BBB, there are several things you can do to authenticate it:

• Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
• Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office.
• Hover your mouse over the link to see if its destination is really a bbb.org address.
• Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.
• If you still are not sure, go to www.bbb.org to find your local BBB, and send them a new email to ask if you have a complaint (do not Reply to the email you received, or forward it to them). They have been swamped with requests, so you may not hear back immediately.

CBBB is working with federal law enforcement agencies to identify the perpetrator of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

A Peek into 2012 Consumer Trends - for You and Santa

12/12/2011

Posted on 12/12/2011 by

’Tis that time of year when prognosticators give a heads up to consumers as to what they can expect in the coming year. Learning what will be hot in 2012 just might help Santa – and you! – pick perfect gifts for friends and family.

For example, Santa will be gifting smart tablets and smartphones like crazy this year. If you’re one of the happy recipients, you’ll fit right in with the new Screen Culture. According to trendwatching.com, one of the world’s leading trend firms that sends monthly Trend Briefings to more than 160,000 subscribers, screens will be even more ubiquitous/mobile/cheap/always on; interactive and intuitive (thanks to touchscreens, tablets, etc.); and an interface to everything and anything that lies beyond the screen i.e. the mobile Web and “the cloud.”

DIY Health is another trend to keep an eye on with a bevy of novel apps and devices that allow you to discreetly track and manage your health. While Apple’s App Store currently offers 9,000 mobile health apps – along with 1,500 cardio fitness aps, more than 1,300 diet apps, more than 1,000 stress and relaxation apps and more than 650 women’s health apps – by mid-2012 this number is expected to reach 13,000, according to MobilHealth News.

Consumers love getting a good deal and that’s why Dealer Chic is another trend to watch for in 2012 as more and more of us jump on the bandwagon. Watch for an even bigger “deal ecosystem,” more personalization and more loyalty schemes.

Eco-Cycology will be big in 2012 with major brands helping consumers recycle by taking back all old items and doing something constructive with them. For example, Dell – a BBB Accredited Business – runs Dell Reconnect in partnership with Goodwill Industries. The program allows users to take any brand of electronics to one of Goodwill’s 2,200-plus participating locations in the U.S. or Canada where they are refurbished or recycled.

Consumers can also expect businesses to be Flawsome. Trendwatching.com says brands that are “flawsome” are those “that are honest about their flaws, that show some empathy, generosity, humility, flexibility, maturity, humor and … some character and humanity.” Case in point: Dominos bought billboard space in Times Square during the month of July and live-streamed good and bad customer feedback given via Twitter.

Look for Recommerce to find its mark in 2012. Consumers will be trading in electronics, clothes and even experiences on new ones – just like you do with your vehicles. Another example of how this plays out: The Amazon Student app allows students to scan barcodes of books, DVDs, games and electronics that they own and see the trade-in price. If accepted, a shipping label is generated and the student receives funds in the form of an Amazon gift card. And DealsGoRound allows users to resell and buy past Groupon, LivingSocial and BuyWithMe deals. And StubHub app users can now resell and buy tickets at an event – without access to a printer.

And expect the now-ubiquitous QR code to continue full force as part of the Point & Know trend in 2012 – thanks to that smartphone that is always in your pocket or handbag. You’ll use Point & Know to gain information, price comparisons and reviews.

However, with new trends come new scams and opportunities to commit fraud. So while you have fun with new technology, new products, new services, your BBB advises not to let down your guard. The mobile Web makes on-the-spot information a snap, but scam artists can now download malware onto your smartphone just as easily as they do on your desktop.

And it will continue to be important to check out a company – even if it’s to recycle electronics or clothing – before doing business to ensure it is trustworthy and reliable.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/12/2011

Posted on 12/12/2011 by
As much as pet owners want to take their furry friends with them wherever they go, sometimes it’s just not feasible. That’s why finding a kennel or pet care service you can trust is paramount.

Every year, BBB receives hundreds of complaints from pet owners about kennels. This year, BBB has received more than 400 complaints – up from 273 in 2010 – regarding disputes over billing or treatment of the pet. Owners say their pets returned home from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks and even maggots.

If you are looking for a reliable kennel, your BBB recommends the following checklist:

Check the kennel out and get recommendations. Always check out the kennel with BBB at wynco.bbb.org first to make sure they have a good track record for keeping customers satisfied. Also, ask friends, neighbors, your veterinarian or local animal shelters for recommendations.

Pay a visit. Visit the kennel before scheduling the boarding. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.

Ask lots of questions. If your pet is prone to running away, ask about steps the kennel takes to ensure its facilities are escape-proof. Ask if your pet may come in contact with other animals, and if so, how often. Some kennels let animals play together while others keep them separate at all times. Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise. Ask about hours for drop off and pick up and make sure you understand the billing policy. Finally, ask what happens in case of a medical emergency or other unexpected situation.

Go with your gut. Note the friendliness of staff members and how they interact with the boarded pets. Ask about their background and experience. If your state requires inspections, look for the certificate on the wall and make sure the kennel is properly licensed. Make sure the facility requires that all entering pets have proof of immunization, and ask about their policies regarding flea and tick control.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Don't Bite on BBB Phishing Emails

12/7/2011

Posted on 12/7/2011 by

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

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

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

Here is an example of the email (click to enlarge).

FTC Adds New Protections for Consumers Seeking to Work from Home

12/6/2011

Posted on 12/6/2011 by
The Federal Trade Commission has approved changes to its Business Opportunity Rule that will ensure consumers have the information they need when considering buying a work-at-home program or any other business opportunity. The changes simplify the disclosures that business opportunity sellers must provide to prospective buyers. The new disclosures will help prospective purchasers assess the risks of buying a business opportunity, while minimizing compliance burdens on businesses.

In addition, the Final Rule, which will be effective on March 1, 2012, applies to business opportunities previously covered under the Rule, as well as work-at-home offers such as envelope stuffing and craft assembly opportunities. The Final Rule requires business opportunity sellers to give consumers specific information to help them evaluate a business opportunity.

Sellers must disclose five key items of information in a simple, one-page document:

the seller's identifying information;
whether the seller makes a claim about the purchaser's likely earnings (and, if the seller checks the "yes" box, the seller must provide information supporting any such claims);
whether the seller, its affiliates or key personnel have been involved in certain legal actions (and, if yes, a separate list of those actions);
whether the seller has a cancellation or refund policy (and, if yes, a separate document stating the material terms of such policies); and
a list of persons who bought the business opportunity within the previous three years.

Misrepresentations and omissions are prohibited under the Rule. For sales conducted in languages other than English, all disclosures must be provided in the language in which the sale is conducted.

BBB Tips for Selecting a Merchant Processor

11/29/2011

Posted on 11/29/2011 by

Whether you’re looking to make a switch or picking one for the first time, choosing a merchant processor is an important decision that can be vital to the overall success of your business.

Offering a variety of payment methods is one way to ensure your business succeeds – according to one estimate, businesses forfeit up to 80 percent of consumer impulse buys if they don't accept credit cards.

Your BBB advises choosing a merchant processor with care. This year alone BBB has received more than 1,700 complaints against credit card merchant and processing services.

When selecting a merchant processing service:

Ask around. Like with any important business decision, always make sure to get at least three estimates and check the BBB Business Review® of the merchant processing service. It may also be worth asking fellow business leaders which service they use to get a feel for its track record.

Know where to turn. Make sure the merchant processing service has a solid support team. Can you contact them 24 hours a day? This is very important to business owners who are trying to process a card outside of the typical business hours. In any case, technical support is a must and it’s vital to your business’ success to make sure that the merchant processing service you choose has it.

Try them out. Don’t settle without a trial period. By making sure that the merchant processing service you choose has a 100 percent money-back guarantee before selecting them, you can save yourself a lifetime of hassle. See how the service tries out. Do they keep every promise that they made to you?

Make sure every penny you spend is necessary. If you have a question regarding a fee that you were charged, ask! Staying competitive with other merchant services is the name of the game for theses processors so they will want to keep you happy.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips on Top Holiday Scams

11/29/2011

Posted on 11/29/2011 by

Scammers are busy this time of the year! Whether it’s on the Internet, at the stores or even at your front door, they are ready to take your hard-earned cash.

Here are some tips from the BBB on scams to look out for:

Internet Scams. Be on the lookout for fake websites offering bargain prices, especially on hard-to-find gifts or the hot gifts for 2011. These sites tout “too-good-to-be-true” prices with a professional looking websites and testimonials from “happy customers.” The scam artists will take your money and won’t send you the merchandise.

Don’t just trust a site – check it out at bbb.org. Also, when shopping online, use a credit card, not your debit card. Debit cards are directly linked to your bank account, and if you never get your merchandise or it isn’t what was promised, you can dispute the charges with your credit card company.

Phishing Scams. You're contacted by email with a tempting offer or a warning that your account has been compromised, and then you are directed to click on a link, which takes you to a fake website. Once there, you're told to enter personal and financial information wanted by the thieves. Don’t click on links in unsolicited emails.

Gift Card Scams. Many gift cards hang on racks in stores or at checkout counters. Today, most cards are protected by scratch-off security codes and protective packaging to prevent information theft. However, if cards aren’t protected, scam artists can write down the numbers while the cards are on display, and then call an 800 number to learn when the cards have been activated.

Holiday E-card Scams. You receive an eGreeting from an unnamed “relative,” or “friend.” You have to click on the link to view it. However, clicking on the link may unleash spyware, pop-up ads, viruses, or Trojans. In some cases, nothing bad happens until you download software from the e-card website so you can “run your e-card.” If there is any question of who the card came from, don’t open it. Also, be sure you have the latest anti-virus and anti-spyware software installed on your computer.

Charity-Related Scams. Scammers call or knock on your front door. They’ll wear seasonal outfits, dress in familiar looking uniforms, and carry forms of identification that look real. They’ll convince you to give with stories that tug at your heart. Before you give, do your homework. Check out the charity at give.org. Don’t fall for high-pressure tactics.

Avoid "charities" whose representatives won't answer reasonable questions, such as how the money will be spent. Never supply credit card information over the phone, and never give cash or write checks payable to an individual solicitor.

Delivery Scams. It’s reasonable to expect deliveries at this time of the year. In this case, you receive a card saying an unsuccessful attempt was made to deliver a package to your home and that you should call a particular number for more details. You call the number and get a recorded message or music that keeps you on the line for a while. Unfortunately, you are connected to an overseas number, (known as the 809 scam), and you will be charged high rates on your next phone bill. If the number is not a 1-800 or local call, it could be a scam.

This scam also comes in the form of emails. FedEx, saying you have a package that needs to be picked up. The email asks you to click on a link to download a form. If you download the form, your computer becomes infected.

Job scams. Many retailers and manufacturers need to take on extra staff to handle the holiday rush. Knowing this, scam artists send out emails promising non-existent jobs for which, you'll eventually be asked to pay a fee for the job. You may see similar ads in newspaper classifieds and even flyers or signs posted around town. Never pay for a job.

Scam Alert: Malicious Complaint Email Claiming It’s From BBB

11/23/2011

Posted on 11/23/2011 by

Better Business Bureau is issuing an urgent scam alert cautioning businesses and consumers about an email that is purporting to be from a bbb.org email address about a recently filed complaint. The email contains a dangerous attachment regarding a complaint and appears to direct recipients to the BBB website. This is a scam - BBB does not send complaints as attachments via email.

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

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

BBB tips for Giving Wisely this Holiday Season

11/22/2011

Posted on 11/22/2011 by
Thanks to technology and the creativity of charities, there are many different ways donors can give to a worthy cause. Total estimated charitable giving in the United States rose 3.8 percent in 2010, according to the Giving USA Foundation.

Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

Give items. Many organizations solicit for donations over the holidays including coats, toys and canned goods. Whatever you’re donating, make sure the items are in good condition and that the recipient charity accepts such items.

Give when you shop. Many charities partner with businesses that agree to donate a percentage of the purchase price from sales of specific items. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also, some businesses, such as grocery stores, ask if you want to contribute to a charity and have that amount added to your receipt. Ask which charity benefits from the embedded promotion.

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

Give through text messaging. Contributing via text message with the donation being tacked on to your cellphone bill is a popular option. While it’s fast and easy for the donor, funds can take 60 to 90 days to reach the charity.

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

Start With Trust. To review charity evaluations and get more advice on how to give when times are tight, visit bbb.org/charity. And for additional consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Don’t Get Smoked by Chimney Sweep Scams

11/22/2011

Posted on 11/22/2011 by

With the arrival of winter-like weather, many homeowners are enjoying toasty evenings by their wood-burning fireplaces or woodstoves. But when was the last time you’ve had your chimney or stove pipe cleaned?

The BBB has received more than 380 complaints against chimney cleaners so far this year, up from the 342 complaints in 2010.

You’ll know a scam is afoot if the chimney sweep advertises prices lower than other chimney cleaning businesses. Typically, a professional chimney sweep will charge between $150 and $200 for the cleaning of one chimney shaft, whereas scam artists charge as little as $50.

Many scam artists use these low-price offers to get in consumers’ doors, at which point they’ll use high-pressure sales tactics to get you to agree to additional work that “needs to be done immediately.” If the price you’re quoted is significantly lower than that of other chimney sweeps, view it as a red flag.

Scam artists often target the elderly, making vague, unclear phone calls claiming they have done business in the past and that it’s time for their annual chimney cleaning.

Some consumers report receiving calls stating the town fire department recommends that their chimney be cleaned. The caller recommends a particular chimney sweep and endorses their services on behalf of the fire department. Though town fire departments do recommend having chimneys cleaned on an annual basis, they do not endorse companies or inspect chimneys.

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

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

• Check out a chimney sweeping business at bbb.org. Are they a BBB Accredited Business? Do they have outstanding complaints?

• Find out how long they’ve been in business. Ask for references and call them.

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

• Find out if any employees are certified through the Chimney Safety Institute of America, a national nonprofit agency.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Scammers and Bad Businesses Target Military

11/22/2011

Posted on 11/22/2011 by

Veterans and enlisted men and women can never take a day off when it comes to watching out for scams that specifically target them and their families.

Many scams are specific to their military service. Among them:

    • Firms that target veterans and charge them for products and services they can receive free or at lower cost elsewhere, such as military records and forms.
    • Scammers who contact veterans saying that they need to update credit card information or other records with the Veterans Administration. The scammers then use the information to commit identity theft.
    • Bogus charities with names that reference the Armed Forces while seeking donations.
    • Fraudsters calling themselves veterans’ advocates who try to convince veterans that they can get more benefits by transferring their investments into an irrevocable trust, which often contains unsuitable investments.
    • Flashy offers promising "up to 40 percent of your monthly take home pay," "guaranteed loans," "instant approval," "no credit check" and "all ranks approved" often come with sky-high interest rates and hidden fees designed to bilk borrowers out of cash and damage financial security.
    • Ads promising military discounts and too-good-to-be-true incentives that use stolen photos of legitimate rental properties to bait renters out of security deposits via money transfer schemes.
    • Low-priced vehicles posted on classified ad websites that tout discounts for military personnel, or claim to be from soldiers who need to sell fast because they've been deployed. Schemers convince buyers to wire money; however, vehicle data is stolen.
    • Scams that target young veterans by posing online as representatives of government contracting firms. When veterans contact them for a job, they are asked for a copy of the veteran’s passport before they can officially offer them a job. Of course there is no job to offer and the con artist now has personal information that can be used for identity theft.

To avoid being taken advantage of, the BBB offers these general tips to service members and their families – and all consumers for that matter – to consider when dealing with any business:

Protect Finances: Never wire transfer money to strangers.

Check Companies and Charities: Research companies at wynco.bbb.org for free BBB Business Reviews or Charity Review Reports.

Defend Computers: Avoid visiting unfamiliar sites or opening emails from unknown senders. Install a firewall and updated antivirus software.

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

Report Scams: File complaints with the BBB, at wynco.bbb.org; the FTC, ftccomplaintassistant.gov;, or the Internet Crime Complaint Center, ic3.gov.

BBB Military Line provides free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 112 BBBs across the United States. Military personnel may access information at bbb.org/us/Military/.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips on Top Holiday Scams

11/22/2011

Posted on 11/22/2011 by

Scammers are busy this time of the year! Whether it’s on the internet, at the stores, or even at your front door…they are ready to take your hard-earned cash! Here are some tips from the BBB on scams to look out for.

Internet Scams: Be on the lookout for fake websites offering bargain prices, especially on those hard to find gifts, or the hot gifts for 2011. These sites tout “too-good-to-be-true” prices on these items, with a professional looking website and testimonials from “happy customers.” The scam artists will take your money, won’t send you the merchandise! Don’t just trust a site – check it out at www.bbb.org. Also, when shopping online, use a credit card, not your debit card. Debit cards are directly linked to your bank account, and if you never get your merchandise or it isn’t what was promised, you can dispute the charges with your credit card company.

Phishing Scams: You are contacted by email with a very tempting offer or a warning that your account has been compromised, and then you are directed to click on a link, which takes you to a fake website. Once there, you're told to enter personal and financial information wanted by the thieves. Don’t click on links in unsolicited emails!

Holiday E-card Scams: You receive an eGreeting from an unnamed “relative,” or “friend.” You have to click on the link to view it. However, clicking on the link may unleash spyware, pop-up ads, viruses, or Trojans. In some cases, nothing bad happens until you download software from the e-card website so you can “run your e-card.” If there is any question of who the card came from, don’t open it! Also, be sure you have the latest anti-virus and anti-spyware software installed on your computer.

Charity-Related Scams: Scammers will call you on the phone or knock on your front door. They’ll wear seasonal outfits, dress in familiar looking uniforms, and carry forms of identification that look real. They’ll convince you to give with stories that tug at your heart. Before you give, do your homework. Check out the charity at www.give.org. Don’t fall for high-pressure tactics. Avoid "charities" whose representatives won't answer reasonable questions, such as how the money will be spent. Never supply credit card information over the phone, and never give cash or write checks payable to an individual solicitor.

Delivery Scams: It’s reasonable to expect deliveries at this time of the year. In this case, you receive a card saying an unsuccessful attempt was made to deliver a package to your home and that you should call a particular number for more details. You call the number and get a recorded message or music that keeps you on the line for a while. Unfortunately, you are connected to an overseas number, (known as the 809 scam), and you will be charged high rates on your next phone bill. If the number is not a 1-800 or local call, it could be a scam. This scam also comes in the form of emails. You receive an email from what appears to be UPS or FEDEX, saying you have a package that needs to be picked up. The email asks you to click on a link to download a form. If you download the form, your computer becomes infected.

Job scams: Many retailers and manufacturers need to take on extra staff to handle the holiday rush. Knowing this, scam artists send out emails promising non-existent jobs for which, you'll eventually be asked to pay a fee for the job. You may see similar ads in newspaper classifieds and even flyers or signs posted around town. Never pay for a job!

For more information on holiday scams and holiday shopping tips, go to www.bbb.org.

BBB Tips on Top Holiday Scams

11/22/2011

Posted on 11/22/2011 by

Scammers are busy this time of the year! Whether it’s on the internet, at the stores, or even at your front door, they are ready to take your hard-earned cash! Your BBB advises that you look out for the following scams:

Internet Scams: Be on the lookout for fake websites offering bargain prices, especially on those hard-to-find gifts or the hot gifts for 2011. These sites tout “too-good-to-be-true” prices on these items, with a professional looking website and testimonials from “happy customers.” The scam artists will take your money and not send you the merchandise! Don’t just trust a site – check it out at wynco.bbb.org. Also, when shopping online, use a credit card, not your debit card. Debit cards are directly linked to your bank account, and if you never get your merchandise or it isn’t what was promised, you can dispute the charges with your credit card company.

Phishing Scams: You are contacted by email with a tempting offer or a warning that your account has been compromised, and then you are directed to click on a link, which takes you to a fake website. Once there, you're told to enter personal and financial information wanted by the thieves. Don’t click on links in unsolicited emails!

Holiday E-card Scams: You receive an eGreeting from an unnamed “relative,” or “friend.” You have to click on the link to view it. However, clicking on the link may unleash spyware, pop-up ads, viruses or Trojans. In some cases, nothing bad happens until you download software from the e-card website so you can “run your e-card.” If there is any question of who the card came from, don’t open it! Also, be sure you have the latest anti-virus and anti-spyware software installed on your computer.

Charity-Related Scams: Scammers will call or knock on your front door. They’ll wear seasonal outfits, dress in familiar looking uniforms, and carry forms of identification that look real. They’ll convince you to give with stories that tug at your heart. Before you give, do your homework. Check out the charity at www.give.org. Don’t fall for high-pressure tactics. Avoid "charities" whose representatives won't answer reasonable questions, such as how the money will be spent. Never supply credit card information over the phone, and never give cash or write checks payable to an individual solicitor.

Delivery Scams: It’s reasonable to expect deliveries at this time of the year. In this case, you receive a card or email saying an unsuccessful attempt was made to deliver a package to your home and that you should call a particular number for more details. You call the number and get a recorded message or music that keeps you on the line for a while. Unfortunately, you are connected to an overseas number, (known as the 809 scam), and you will be charged high rates on your next phone bill. If the number is not a 1-800 or local call, it could be a scam. This scam also comes in the form of emails. You receive an email from what appears to be UPS or FEDEX, saying you have a package that needs to be picked up. The email asks you to click on a link to download a form. If you download the form, your computer becomes infected.

Job scams: Many retailers and manufacturers need to take on extra staff to handle the holiday rush. Knowing this, scam artists send out emails promising nonexistent jobs for which, you'll eventually be asked to pay a fee for the job. You may see similar ads in newspaper classifieds and even flyers or signs posted around town. Never pay for a job!

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

11/21/2011

Posted on 11/21/2011 by
Cyber Monday, the Monday after Thanksgiving, has officially replaced Black Friday as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens up the buyer to attacks from scammers and hackers.

Every year, more people head online rather than to the mall to get their holiday shopping done. According to a preliminary shopping survey conducted for the National Retail Federation by BIGresearch, up to 152 million people plan to shop Black Friday weekend (Friday, Saturday and Sunday), higher than the 138 million people who planned to do so last year. According to the survey, 74 million people say they will definitely hit the stores and another 77 million are waiting to see if the bargains are worth braving the cold and the crowds.

BBB recommends the following top 10 tips for shopping online this holiday season to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start at wynco.bbb.org to check on the seller’s reputation and record for customer satisfaction. It’s a good idea to look for the BBB logo and other widely recognized seals on retailer websites, but make sure they are real (some rogue sites plagiarize seals to look legitimate).

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, take that as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited emails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send emails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an email, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, you can dispute the charges if you don’t receive the item. Your also have dispute rights if there are unauthorized charges on your credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. If you are going to shop on classifieds web sites like Craigslist, never wire money and only buy locally where you can see the item before you hand over your money.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by email – BBB recommends saving a copy of the web page and any emails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by looking at statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to wynco.bbb.org

BBB Tips for Smart Cyber Monday Shopping

11/21/2011

Posted on 11/21/2011 by
Holiday shopping doesn’t have to destroy your nerves or your budget if you research the items you want to buy and set limits on what you will spend, the Better Business Bureau advises.

While online shopping can be a way to avoid crowded stores, shoppers need to be careful of the sites they patronize. Whether your shopping on Cyber Monday or any other day leading up to the holidays, your BBB advises:

Protect your personal information. Check to see how your information may be used online.

Check the site’s security settings and privacy policy. If the site is secure, its address should start with https://. You also may see a picture of a small closed lock in the lower right hand corner of the screen.

Know the company’s refund and return policies. Are there restocking fees? Do you have to pay shipping costs on returns?

Do not rely on pictures of a product. Read the description and check model numbers, if applicable.

Be cautious of free or very-low-price offers. Often, free offers are followed by an open-ended enrollment in a program that automatically bills your credit card account. Before ordering anything online, make sure you click on and read all terms and conditions.

Pay with a credit card. If you suspect fraud or don’t receive your order, you can challenge the charge in the event of a dispute.

Obtain a tracking number for shipments. If you need the product before the holidays, find out when the seller intends to ship it and if possible, how it will be shipped.

Print out the order. Make sure you have the documentation page for online orders and save it until the order arrives.

Be aware of phishing. Don’t respond to emails that ask for your credit card or bank account number or other personal information. Legitimate businesses do not send emails claiming there is a problem with an order or account to lure you into revealing financial information. Call the company or find the customer service form on the company website to confirm any problem.

Check out businesses first at wynco.bbb.org

New Job-Related Scam Could Lead to ID Theft

11/14/2011

Posted on 11/14/2011 by

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

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

The first step to apply for the job according to the entity’s website, http://www.getsomegifts.com/jobs.htm, created in October, is completing a free credit check. The website directs applicants to get their credit report at http://www.freecreditcheck.co.nr.

This particular Web address originates in the Republic of Nauru, a small island located in the Western Pacific. The link takes you to what appears to be a website for the California-based company, CreditReport.com. The BBB contacted CreditReport.com directly and confirmed that www.freecreditcheck.co.nr is not one of its websites and they have no affiliation with this entity.

The BBB advises that if you are ever asked to provide a credit report for any reason, obtain it yourself from one of the three major credit reporting bureaus. Also remember that you are entitled to one free credit report every year, which you can get at www.annualcreditreport.com

There are numerous red flags associated with this latest scheme. Not only does the specific credit check instructions hint at possible identity theft, but the addresses for the call centers don’t match up with any such operation; in fact, one is a parking lot.

Finally, www.getsomegifts.com is full of too-good-to-be-true offers such as free iPhones, free Xboxes, and free $500 gift cards to Walmart and Best Buy among others.

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

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

BBB Issues Warning About Veterans’ Day Scams

11/10/2011

Posted on 11/10/2011 by

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

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

Among the scams to watch out for:

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

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

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

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

Oh Joy! The Power Just Went Out! Now What?

11/7/2011

Posted on 11/7/2011 by
My family was without power for two days during the first of what is sure to be many winter snowstorms. It didn’t take long to realize that we were not well prepared for an emergency of any sort.

Yes, we had food and (cold) water. And we did have phone service, but only after we scrambled to find a phone to plug directly into the line. Heat? We were able to light our woodstove only after the snow melted from the stove pipe vents. Cellphones? Mine was cozy warm back at the office. Flashlights? Um. We had a few small LED models that still worked, but none that would shed a fair amount of light; the others either had dead batteries or were nonfunctional for other reasons. And the generator that was intended for times like this? It wouldn’t start. Candles? We haven’t used them ever since that time I almost burned down the house.

Granted, the snowstorm that left thousands of Northern Coloradans without power for a few hours or for several days was unusual in that it was an early and intense heavy, wet storm. But this being Colorado, there are sure to be more just like it.

That’s why I’m keeping an eye on the weather report and taking steps now to be ready for the next power outage or weather disaster that could leave us leading lives akin to our pioneer forebears.

That includes – first and foremost – flashlights and batteries that work, followed by jugs of drinking water. It’s also a good idea to have at least a three-day supply of nonperishable food. (Note to self: Get a non-electric can opener.)

Power outages also have their challenges in keeping family members occupied. For us, we spent the evenings reading – my husband with one of the two working flashlights, my son with his lighted ball cap and I with a book I downloaded onto my iPod (no light needed!) just the night before “for fun.” Wow, what a lifesaver!

In addition to books and magazines, consider keeping a stash of board games, cards, coloring books and other family friendly activities on hand – “just in case.”

After the storm passed and the electricity was up and running, pilot lights were relit and the refrigerator was humming again, it was time to take stock of possible damage around the old homestead.

For us it meant cleaning up tree limbs, while for others it meant removing trees that more closely resembled peeled bananas or patching holes in roofs left by falling trees.

One thing you can count on for sure: Wherever there is disaster there will be traveling contractors looking to help you out of a jam. They might offer discounts if you put their sign in your front yard, they might tell you they can get started that afternoon if you prepay, and they might pressure you to sign a contract right then and there.

This is not the time to rush into anything. Your BBB advises that you first check out any business or contractor at wynco.bbb.org before you hire them to remove damaged trees, repair roofs or fix broken fences. Then ask for references and call them. Make sure the contractor is bonded and insured and has the proper licenses. Does the contractor or business have a local address and phone number?

Also, don’t pay for the job upfront lest the contractor takes your money and leaves town without a forwarding address. If possible, pay by credit card, which has built-in safeguards to protect you.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips for Purchasing Gift Cards

11/3/2011

Posted on 11/3/2011 by

Consumers love gift cards because they’re easy to obtain and the recipients are happy because they can purchase something they actually want. It’s a win-win situation.

Since January, however, the BBB has received more than 440 complaints about the gift card industry, up from the 33 complaints received in 2010. In some cases, consumers are disgruntled when they are given an expired gift card with loaded cash that isn’t usable until the date is corrected. Complainants say that after sending in expired cards for replacement, they have been left empty-handed when updated cards were never returned.

The BBB recommends:

Know the rules. Federal rules that went into effect in 2010 restrict fees and affect expiration dates on gift cards that are redeemed at retail establishments and restaurants. Bank gift cards, which carry the logo of a payment card network such as American Express, Visa or MasterCard, can be used wherever the brand is accepted.

Check it out. Buy from a known and trusted source. Always check out a business at www.bbb.org. Avoid online auction sites, because the cards sold there may be counterfeit or may have been obtained fraudulently.

Inspect the card before buying it. Verify that no protective stickers have been removed, and that the codes on the back of the card haven’t been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.

Provide the recipient with back up. Give the recipient the original receipt in case the card is later lost or stolen. Think twice about getting gift cards from retailers or restaurants that are struggling financially. If the business closes, it may be hard to find another location where the card can be used. If a retail store does close, card recipients should call the business or its competitor to find out if they are redeeming the cards, or if they will do so at a later date.

Treat the gift card like cash. For recipients, it’s important to report lost or stolen cards to the issuer immediately. Some issuers will not replace cards, while others will – for a fee. Use gift cards as soon as possible.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

E-Book Scams Grow along with E-Book Sales

11/3/2011

Posted on 11/3/2011 by
E-book sales are growing exponentially, according to the American Association of Publishers. For the first eight months of 2011, e-book sales increased 144.4 percent, to $649.2 million. In February sales of e-books eclipsed those of traditional paperbacks. And e-readers are expected to be a hot gift item for the holidays.

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

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

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

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

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

• E-readers spammed with ad-laden works and hotlinks to both commercial and malware sites that load viruses onto your machine.
• E-book purchases and sales used to build up credentials for bogus sellers and buyers on auction sites

To avoid e-book scams, the BBB advises:

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

• If you decide to buy from an unfamiliar author, see if you can download a free sample (Amazon lets you do this) first to test the quality.

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

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

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

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

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Now is the Time to Safeguard Your Child's Identity

11/3/2011

Posted on 11/3/2011 by
Children are 51 times more likely than adults to have their identities stolen, according to a study conducted by Carnegie Mellon CyLab. Child IDs are used to purchase homes and automobiles, open credit card accounts, secure employment and obtain driver’s licenses.

Children make good targets because most do not use their Social Security numbers until they become older. And identity thieves know that parents seldom – if ever – check their young child’s credit report. However, the CyLab report states that the youngest victim was 5 months old.

The CyLab report also shared a story of a 17-year-old girl who is $725,000 in debt because her Social Security number was stolen and linked to eight different suspects. The suspects opened 42 accounts including mortgages, auto loans and credit cards. Several bills were in collections.

Red flags that indicate your child’s identity has been compromised include unsolicited credit offers, letters from debt collectors addressed to your child, a letter from the IRS stating that your child’s Social Security number listed on your tax return is a duplicate number or, upon opening a bank account for your child, you’re told an account has already been opened with your child’s Social Security number.

Your BBB offers the following tips to help on how to protect your child’s identity:

Guard your child’s Social Security number. Don't carry your child's Social Security card in your wallet. Don't give out your child's number on the phone unless you trust the recipient and never send the number in an email. And don't give your kid his or her number until he or she is old enough to understand what it is.

Be careful about posting information about your child. Scammers routinely scan social media posts to find information such as birth dates and ages that can help them steal identities. If you want to let your Facebook friends or Twitter followers know that it's your child's birthday, don't tell them the child's age. Educate your children about the importance of protecting personal information online.

Check your child's credit report. Go to annualcreditreport.com, which lets you get a free report from each of the three credit bureaus once a year. If you enter your child's information and no report comes back, consider it a good sign.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Are You a Good Customer?

11/3/2011

Posted on 11/3/2011 by
If there’s any doubt in your mind that the holidays are upon us, all you need do is go to your favorite retail department store and see how all of the Thanksgiving merchandise has been relegated to a dark corner with a plethora of holiday decorations in their place.

All of this brings to mind one of my favorite pastimes: shopping. For me. Apparently I’m not alone in this, as the National Retail Federation said nearly six in 10 holiday shoppers (or 59.9 percent) say they will take advantage of retailers’ sales and discounts to make non-gift purchases for themselves or their families in addition to spending an average of $704.18 on actual gifts, which is down slightly from 2010, according to the NRF.

This year, shopping for the holidays will not just be about location – online vs. brick and mortar – but about how to get the best bang for your buck. And dare I say, it will also be about customer service.

Good customer service, however, is not just the responsibility of the business, be it retail or service. It helps when a customer knows how to be a good customer. This means taking the time to learn about the product or service prior to handing over your credit card and using a good amount of patience when crowds and lines go out the door. The last thing both parties want is an unhappy transaction that ends up in dispute resolution.

What does it take to be a good customer?

Do your homework and ask questions. Check out consumer recalls before purchasing toys and gifts for children. Know what the warranty covers, learn the store’s return policy (they vary from store to store), make sure you will be able to pay off a cartful of merchandise you put on layaway, and check out online reviews. If you’re looking for a business to remodel your kitchen or to fix that leaky drain before company arrives, ask for suggestions from friends and family, check them out with your BBB and call their references.

Practice patience. Holidays and resulting crowds can put the most even-tempered soul on edge. Rather than lambast a store employee because a product is not in stock or because the checkout line is a mile long, remember what your mother taught you about always being polite (“please,” “thank you” and “have a nice day” are words that can never be said too much. Remember, cashiers don’t always know the answers and might refer you to customer service.

Be courteous. Those long checkout lines often arise because customers are not prepared to present items for check out or have their credit card or check ready when it’s time to make payment. Do not get mad if the store will not honor competitor’s coupons; not all do. Also, standing at the cash register is not the time to start a long discourse about holiday travel or to suddenly realize you have neither wallet or checkbook. Nor is it the time to carry on a conversation on your cellphone – not when your cashier needs to ask if you prefer paper or plastic, if you want your receipt with you, in the bag or emailed, and to wish you a good day.

Last Resort. If you do have a complaint about a product or service, try first to resolve it through traditional channels of customer service, store manager or business owner. If that doesn’t work, you can file a complaint with your Better Business Bureau at wynco.bbb.org.

Phishing Scam Hits Colorado's Morgan County

11/2/2011

Posted on 11/2/2011 by

The Better Business Bureau has learned that people living in Morgan County, Colorado, are receiving calls and emails purportedly from Wells Fargo with requests to verify debit card account information – even though they don’t bank with the financial institution.

This is a phishing scam. Wells Fargo is not calling anyone in Morgan County or any other county. If you or someone you know receives such a request, do not open attachments, click on links or respond to the email. And if it’s a phone call, hang up. Forward suspicious emails to reportphish@wellsfargo.com and report them to your local police.

If you receive a phishing email or phone call, the BBB advises that you keep an eye on your financial accounts and report any suspicious activity immediately.

Latest Sweepstakes Scam Pretends It’s BBB Calling

11/2/2011

Posted on 11/2/2011 by

Better Business Bureau cautions businesses and consumers about a website and phone calls that are purporting to be from the BBB about sweepstakes’ winnings. This is a scam. The BBB is not conducting a sweepstakes.

A complaint filed by a Virginia consumer with the BBB Richmond first identified the scam. The calls appear to come from a fake BBB employee claiming that the customer has won $2.5 million and a Mercedes Benz. The representative directs customers to http://www.better-businessbureau.org/, which contains misinformation and fraudulent claims. The BBB urges consumers not to visit this site. The official BBB website is www.bbb.org.

Should you receive such a call, please disregard its message, and report any information received to BBB’s Scam Portal. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect its trademark.

How to Spot Scary Social Media Scams

11/1/2011

Posted on 11/1/2011 by
Social networking sites such as Facebook and Twitter are unquestionably popular, but the Better Business Bureau warns that users may be the target of social media scammers.

Many people view their online personas as separate from their real-life ones and don’t take the same precautions to protect their identities, their computers or their money. Scam artists are savvy to consumers who click first and ask questions later.

The BBB warns social media users to be on the lookout for five common social networking scams:

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

Questionable Quizzes. Clicking on an ad or a link that takes you to a questionnaire on a website outside Facebook can lead to unwanted results. In many cases, the quiz may ask you to enter your cellphone number before you can view your results. If the scammers get your number, you could find yourself subscribed to unwanted and expensive text-messaging services.

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

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

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

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips for Finding a Trustworthy Tree Removal Contractor

10/28/2011

Posted on 10/28/2011 by

This week’s damaging snow storm has left homeowners throughout Northern Colorado assessing damage to their trees and trying to figure out how much tree-recovery efforts they can do on their own and whether or not they need to bring in the professionals.

The Better Business Bureau advises that homeowners take time to research tree-removal and related businesses in order to make an informed and sound decision in hiring a licensed, insured and reliable contractor.

Ask friends, relatives and colleagues for references and check the BBB for a list of BBB Accredited contractors. You can also check out BBB Business Reviews for all those you are considering at wynco.bbb.org.
Ask if certified arborists, who have professional training and certifications, are on staff. An experienced arborist is particularly important on projects involving large trees or removal of substantial branches on established trees.
Confirm that the company is both licensed and insured. Ask if you may see a copy of its license or insurance policy, or obtain the respective license or policy numbers.
Request an onsite evaluation and cost estimate by a company's representative.
Obtain a written cost estimate by the company, and execute a written and signed contract.
Pay by check or credit card only when the job is complete. Paying by credit card provides some recourse should the job not be completed as stated in the contract.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advises Applicants For Seasonal Jobs To Start Early, Prepare For Interviews

10/27/2011

Posted on 10/27/2011 by
As retailers gear up for holiday shopping, some job hunters could get an early present this year in the form of seasonal jobs for the holidays. Competition for these jobs is fierce, and the Better Business Bureau recommends that applicants apply early and research potential employers.

Toys R Us has said it could hire up to 45,000 holiday employees. Other retailers could be hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

The BBB offers the following advice for job hunters this holiday season:

Start your job search earlier rather than later. Retail, shipping, restaurants and catering companies are common sources of seasonal employment. This is the time for job hunters to determine which job suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop. Try to identify seasonal employment opportunities at businesses where you shop. You will already be familiar with the company and its products, and discounts available to employees can mean significant savings when shopping for gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward. Even if you are just picking up applications at stores in the mall, dress neatly and be prepared for an interview. This includes being familiar with the company’s brand and products. Retail job hunters need to focus on impressing potential employers with their customer service skills because they may be dealing with stressed-out shoppers, long check-out lines and holiday returns.

Be flexible. Full-time employees usually have first choice on preferred hours and shifts. As a seasonal employee, you can expect to work long, sometimes inconvenient hours, possibly including Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.

Strange Email from StubHub? It's a Scam.

10/27/2011

Posted on 10/27/2011 by

Consumers across the country are reporting scam emails that appear to be from ticket company StubHub. The emails try to lure recipients into sharing credit card information by falsely alerting them that they are being charged for expensive tickets to a boxing match in Nevada.

StubHub says this scam started Oct. 27 and they they have had many consumer complaints. Anyone who has a StubHub account (and some who haven’t) may be at risk.

What you need to know:

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

Don't login. A computer program may steal your password, giving thieves access to your StubHub account where valid credit card info may be stored.

If you have an account at StubHub, change your password immediately. Go directly to the StubHub site to do that, not through the email.

Send a copy of the phony email to safety@stubhub.com, so StubHub can investigate.

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

BBB Advises Business Owners to Observe Safe Online Banking Practices

10/21/2011

Posted on 10/21/2011 by
Online banking is a great tool to help small businesses quickly and conveniently track financial information as well as pay their bills and employees.

But just as consumers must take precautions to prevent scammers from tapping into accounts, so should businesses. The BBB recommends:

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 authorizes the creation of the payment file and a second employee is 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, automated clearinghouse payments, etc.

Utilize dedicated workstations. If possible, assign only certain workstations and laptops to be utilized for online banking and payments. 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 more than just a username and password is needed 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. Implement a process to periodically confirm they remain up-to-date. Security patches are usually 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.

Start With Trust. For more tips on data security, visit www.bbb.org/data-security. And for more trustworthy tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

With Hotels Booking Up For World Series, BBB Advises Fans To Be Alert To Lodging Scams

10/18/2011

Posted on 10/18/2011 by

World Series baseball fever has taken hold in St. Louis and Dallas, and fans are scrambling to find places to stay in both cities on game nights. The Better Business Bureau has found several ads for hotel packages that raise suspicions of scams. The BBB warns fans to beware of offers that don’t sound right.

Several ads for World Series hotel packages on a classified ad site claimed to offer tickets for a Rams-Cowboys game along with the hotel, a tip-off that the person who placed the ad may not be familiar with the teams in the World Series, the Cardinals and the Texas Rangers. Some ads are full of misspellings, which also can be a characteristic of fraudulent ads.

The BBB advises fans to ask lots of questions and be wary of an offer that requires wiring money. When you send money by wire, it is almost impossible to get it back or to trace the recipient, who may be overseas.

The following are some BBB tips for finding housing for the World Series or other special events:

Read ads carefully, making sure you understand what is being offered and what the total price will be.
Ask the seller where he or she is located and how he or she may be contacted after the sale. If the seller is evasive, don’t pursue the offer.
Ask for the name, address and phone number of the hotel where the room is located, and call the hotel to verify that the room actually exists. Check the hotel’s website or a well-known travel site to be sure that the location is convenient for getting to and from the ballpark.
Be wary of ads that pile on incentives to make the package look better. Often the items – such as lanyards, T-shirts or other trinkets – have limited value.
Use a credit card to make your reservation. A credit card company can assist you with obtaining a refund if the offer turns out to be fraudulent or if there are other problems with the accommodation.
Do your research. A variety of travel guidebooks and online reviews address services and amenities at hotels and motels. Check BBB Business Reviews of hotels by going to wynco.bbb.org. Make sure you get a confirmation number from the business when reserving a room. Also, make sure you know times of check-in and check-out, and clearly understand the type of room you are paying for (smoking or nonsmoking, queen or double beds, regular room or suite, etc.)
If you have any concern about the quality of a motel or hotel, ask to inspect your room before moving in. You have a better chance to get satisfaction from staff or management if you have not already accepted your room. If you spot a problem, report it to the front desk immediately.

Don't Let Online Spooks Play Tricks on You

10/17/2011

Posted on 10/17/2011 by

October is the season for ghosts, goblins and ghouls. Unfortunately, they’re not all friendly like Casper nor are they like neighborhood kids ringing your doorbell in search of treats. Instead, you need to be on the alert for those who will play tricks on you while you’re playing, doing business or shopping online.

Because October is National Cybersecurity Month, this is a good time to bone up on cyber precautions, whether you’re new to the online community or you’ve been surfing and working online for years.
The U.S. Department of Homeland Security, for example, suggests approaching computers and the Internet in the same way we urge children to approach the real world.

For example:

Don’t trust candy from strangers. Finding something on the Internet does not always make it true or good for you. Anyone can publish information online. So before accepting the statement or advertisement as fact, verify that the source is reliable and if it’s a business, check it out first with the BBB at wynco.bbb.org. Because many scam artists “spoof” email addresses to appear that they’re coming from your financial institution or an online payment service, you should be wary of any email requesting that you verify account information. And never ever open attachments or respond to requests for personal or financial information from someone you don’t know.

Don’t be tricked into falling for an offer that is too good to be true. Many emails promise outlandish rewards or monetary gifts in the millions of dollars. They might state you’ve won a sweepstakes or that a rich businessman in a war-torn country left millions in a foreign bank with no heirs. Here’s the trick: You can’t win a sweepstakes you didn’t enter and there are not wealthy strangers desperate to send you their money. These emails are phishing for your bank account number. Simple as that. Also, beware of pop-ups advertising free downloadable software – they may be disguising spyware or malware.

Don’t advertise that you’re away from home. Some email accounts, especially within an organization, offer a feature called an autoresponder that allows you to create an “away” message if you’re going to be away for an extended period of time. While this is a helpful feature for letting contacts know you are unable to respond right away, the Department of Homeland Security advises that you do not provide details about your location and itinerary. Instead, use phrases such as “I will not have access to email between [date] and [date].” If possible, restrict recipients of this message to people within your organization or in your address book. If the away message replies to spam, it may increase the amount you already receive.

Don’t leave “treats” out in the open. Take steps to protect your personal and financial data by locking your computer when you step away; using firewalls, anti-virus software and strong passwords; installing appropriate software updates; and taking precautions when browsing or using email. Attackers and viruses are constantly scanning the Internet for available computers to target. To play it safe, whenever you’re not online, the DHS recommends disabling your Wi-Fi connection, turning off your computer or modem, even going so far as to disconnect cables.

Don’t throw caution to the wind. Information on your computer is vulnerable – but if you make regular backups, all is not lost in the event of an equipment malfunction, an error or a cyber attack.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Sets Recycle and Shred Event

10/14/2011

Posted on 10/14/2011 by

More than 8 million Americans became victims of identity theft in 2010. To help you not become a victim in 2011, the Better Business Bureau Foundation is presenting Secure Your ID Day from 9 a.m. to noon Saturday, Oct. 22, at three locations in Northern Colorado. The event will take place rain, snow or shine.

Guaranty Bank and Trust, corporate sponsor for the event, is hosting the event at these locations:

1550 E. Harmony Road, Fort Collins (secure mobile shredding);
3151 N. Garfield, Loveland (secure mobile shredding); and
2700 47th Ave., Greeley (secure off-site destruction).

Consumers and small businesses are invited to bring up to 50 pounds of sensitive papers (three bags or boxes) for free shredding and computers and peripherals for recycling ($5 per computer, $15 for each TV and peripherals free).

Volunteer and promotional support is provided by GreenPath Debt Solutions and United Way of Larimer County.

Start With Trust. For more information about Secure Your ID Day, visit wynco.bbb.org/secure-your-id or phone 970-488-2043.

BBB iPhone App Now Available

10/13/2011

Posted on 10/13/2011 by

ARLINGTON, VA — Last year, consumers turned to the Better Business Bureau 87 million times to help them find trustworthy businesses and charities. Now they can have that information in the palm of their hand with the release of the official BBB Search app, a convenient, mobile BBB solution available for the iPhone, iPad and iPod Touch. The app was approved by the Apple Store and is available for download as of today.

“For 100 years, BBB has been the trusted source for unbiased information on businesses and charities,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “We have data on more than 4 million businesses in the United States and Canada – an amazing wealth of information to help consumers find trustworthy businesses…and to help them avoid those that are not. We are excited to offer this information to consumers on the go.”

BBB Search features include:

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

The launch follows a successful soft launch in June, with additional enhancements and fixes:

BBB Consumer News now includes a "pull down to update" feature.
BBB Business Reviews display a mobile-optimized interface within the app.
The ZIP code keyboard now supports letters for Canadian postal codes.
If a ZIP code was set in the Search Options, that ZIP code is also used as the default location for the Find a BBB search field.
Tapping on Find a BBB automatically displays the closest BBB location based on current ZIP code setting.
When adding a selected business to iOS contacts, the business's phone number is now always included.
Improved error handling with more descriptive and user-friendly messages.
Several minor bug fixes have been implemented and a reported crash bug on iOS 3.x devices is now fixed.

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

App Store: Find BBB Search app in the app store.

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

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

# # #

For press inquiries, please contact Kelsey Owen:
email KOwen@council.bbb.org or phone 703-247-9376

BBB iPhone app screenshots for press use only:

BBB Alert: Cancer Patients Get Pennies Of Each Dollar Donated To Breast Cancer Society

10/13/2011

Posted on 10/13/2011 by

The Better Business Bureau (BBB) is warning donors to be wary of making contributions to The Breast Cancer Society, a charity that uses most of its cash to pay professional fundraisers’ fees, employee salaries and other administrative costs.

More than 85 cents of every dollar in donated cash went to pay the charity’s fundraising costs in 2010, with less than a nickel going directly to benefit cancer patients and their families.

Since its creation four years ago, the Arizona-based charity has grown into one of the largest breast cancer charities in the nation. It received more than $48 million in cash and product donations in 2010. The charity solicits money from donors across the country, including those in Missouri and Illinois.

October has been designated Breast Cancer Awareness Month, the focus of numerous special events and other efforts designed to draw attention to the disease.

High fundraising costs can be a warning sign that a charity may not be effective in providing direct help to its constituents, said Jim Judge, BBB Charity Review Director.

“Most donors want to see their money used to help people, rather than disappear into the coffers of for-profit fundraising companies,” he said. The BBB’s national Wise Giving Alliance was unable to determine whether the charity meets the BBB’s Standards of Accountability because it has not responded to requests for information.

The charity is based in Mesa, Ariz., and solicits donations through telemarketers and direct mail companies. The telemarketer that gets most of its business, Michigan-based Associated Community Services, has been targeted by several attorneys general in recent years, usually due to concerns about misleading fundraising.

The Breast Cancer Society’s president is James Reynolds II, former vice president of the Cancer Fund of America charity of Knoxville, Tenn., which was founded by his father. The BBB issued a warning about Cancer Fund of America two years ago because of the small percentage of that charity’s cash donations used for charitable work.

The salary and compensation package for James Reynolds II at The Breast Cancer Society has tripled in the past three years, to $364,000 in 2010 from $121,000 in 2008.

The charity reported that about $32 million of its revenue came in the form of donated products (such as medical supplies) in 2010, leaving about $16.5 million in cash revenue – most of that generated through telemarketing and direct mail campaigns. The charity reported that it spent about $14.1 million for fundraising in 2010. It also reported more than $700,000 in employee compensation and benefits, $66,000 in accounting and legal expenses, $83,000 in insurance and $59,000 in office-related expenses.

The Breast Cancer Society reported its program service expenses – expenses used to meet its charitable mission – were about $33.5 million last year, with $31 million of that total in the form of medical supplies which the charity obtained from other businesses and paid to be shipped to Central America, the Caribbean and Western Africa. It is unclear whether the charity ever had physical custody of the items, or if it simply paid procurement fees to a supplier to aid in shipping and distribution. Another $477,000 in non-cash assistance went to women inside the U.S.

In addition to the procurement fees, the charity reported it gave $20,000 to two cancer organizations and $374,000 in cash grants to patients.

The BBB has asked Reynolds for a breakdown on specifically what in-kind, donated items the charity distributed. Reynolds has not responded to that request.

On its website, The Breast Cancer Society describes itself as “one of the only national breast cancer charities in the U.S., with a primary focus on providing direct help and financial aid to those suffering from breast cancer.”

The website says it takes a “two-pronged approach that focuses on direct patient care and cancer research” and “is able to help cancer patients today and also funds research that prepares for tomorrow.”

Associated Community Services of Southfield, Mich., raised nearly $12.7 million for The Breast Cancer Society in 2010, making it by far the charity’s top fundraiser. About $7.1 million of that money was paid to Associated, while the charity reported its share at about $5.6 million. But the charity had to use a large portion of what it received for other fundraising-related costs, including mailing expenses.

Associated also has been the biggest fundraiser for Cancer Fund of America, Reynolds’ former charity. Attorneys general in Iowa, Oregon, Ohio, Connecticut and Missouri have taken action against Associated.

Three years ago, Associated agreed to pay Missouri $100,000 for continuing to engage in “manipulative, high-pressure fundraising tactics when calling Missourians who had asked not to be called.”

The charity did not respond to BBB questions about its operations, but Reynolds said in an email that the charity was “working through an application process” with the BBB’s Wise Giving Alliance.

The BBB offers the following advice to consumers considering donating to breast cancer charities:

If you are solicited by a telemarketer, ask the names of both the fundraiser making the call and the charity he or she is representing. Ask how much of your contribution goes to the charity and how much is retained by the fundraiser.
If you are solicited by mail, understand that a portion of your contribution may go to the for-profit company assigned to run the campaign. Call the fundraiser or charity and ask how much of your money will be going to the charity.
Contact the charity directly to find out how it uses donations from the public. Will it go to direct aid to families, to buy medical supplies, for education or for research?
Check out the charity through the BBB’s Wise Giving Alliance through give.org or bbb.org.

BBB Warns: Latest Twitter Scam Spurs Curiosity

10/7/2011

Posted on 10/7/2011 by

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

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

Face it. When you receive a message like this, you are inclined to click on it to see what is being said about you. However, in this case, DON’T CLICK ON THE LINK! When you click on the link, you are taken to what appears to be the Twitter login page. Then you are asked to provide your user name and password. It’s not the real Twitter login page. If you look carefully at the address bar, you’ll notice that you are not actually at Twitter.com. Chances are, the person you’re following on Twitter, that appeared to send the message, has already fallen for the scam or his or her Twitter account has been compromised in another way.

What to do if you have fallen victim to this scam:

* Change your Twitter password.

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

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

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

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

BBB Wise Giving Alert: October is Breast Cancer Awareness Month

10/6/2011

Posted on 10/6/2011 by

October is National Breast Cancer Awareness Month and many businesses and organizations solicit donations and/or market products and services to support a cure for breast cancer.

To ensure your donation is used as you intend, the BBB advises:

Research the charity with the BBB. If the product or service supporst an unfamiliar charity, learn more about the organization by reviewing the BBB's charity report online. You can start your search of BBB Accredited Charities at bbb.org/charity.
Identify the charity receiving the donation. If the product or service is linked to a donation, contact the business or manufacturer to determine what percentage of the purchase price benefits the chairty and how it will be used.
Confirm the charity's corporate partners. Many national breast cancer charities list the names of corporate partners and sponsors on their websites.
Be wary of online solicitations, especially in response to spam messages and emails that claim to link to an official organization. Scammers often pose as legitimate organizations, especially on Twitter and Facebook. Be wary of clicking on unknown links as they often lead to phony websites where your personal information is captured and/or malware is loaded onto your computer.
The National Breast Cancer Awareness Month organization says it does not solicit contributions and has not authorized the use of its name for solicitation purposes.
Be wary of appeals that are long on emotion, but short on describing what the charity does.
Do not give cash. Use a credit card or check or money order made out to the name of the charitable organization, not to the individual collecting the donation.
Watch out for excessive pressure for on-the-spot donations. Be wary of any requests to send a runner to pick up your donation.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Ask how much of your gift will be used for the activity mentioned in the appeal and how much will go toward other programs and administrative and fundraising costs.

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

10/6/2011

Posted on 10/6/2011 by

The world is mourning the death of Steve Jobs, co-founder of Apple, and scammers are wasting no time in taking advantage of the bad news.

As always, the death of celebrity figures brings scammers out of the woodwork. Within hours of Jobs’ death, scammers started taking advantage of Facebook users. One scam reads: “In memory of Steve, a company is giving out 50 iPads tonight. R.I.P. Steve Jobs” and is followed by a link.

No free iPads are being given out. The link actually takes users to a page to complete online surveys. The link went through the bit.ly URL shortening service and the company has since shut it down, but not before thousands of people clicked on it.

In cases like this, the scammer's goal is to drive traffic to certain websites, which is how the scammer earns his or her money: a commission for every survey completed, every product purchased, and/or every account compromised.

These links are also used to spread malware and obtain personal information.

Contact Facebook Security if you see something questionable. For more consumer tips go to wynco.bbb.org.

BBB Investigator to Attend BBB Military Line Training

10/3/2011

Posted on 10/3/2011 by
Shelley Glause, an investigator for the Better Business Bureau serving Northern Colorado/Wyoming, is one of 25 BBB representatives nationwide selected to attend BBB Military Line’s Train-the-Trainer event Nov. 2-4 in Austin, Texas.

The session will include training modules on how to buy a home and predatory lending, scams and identity theft. Glause will then present workshops to military audiences in the BBB service area on these topics as well as those that deal with consumer topics, retirement investing and auto buying.

BBB Military Line, established in 2004, is a financial literacy and consumer protection initiative for military families. In partnership with FINRA Investor Education Foundation, USAA Federal Savings Bank and McGraw-Hill, BBB Military Line is striving to reach more than 40,000 military families through a full complement of online and onsite financial resources, including webinars, mobile applications workshops and promotions that were included in the Joining Forces Initiative led by First Lady Michelle Obama and Dr. Jill Biden.

Start With Trust. For more information about BBB Military Line, visit wynco.bbb.org or call 484-1348 or 800-564-0371.

Pet Buyers & Sellers Risk Getting Bitten

9/27/2011

Posted on 9/27/2011 by
Pet lovers seeking canine companions are often surprised – and discouraged - to discover that purebreds can cost hundreds and even thousands of dollars.

Puppy scams often hook people with offers of free puppies, collect money for bogus fees such as shipping or “ownership transfer,” and then never deliver the advertised puppies or dogs.

People selling a puppy or dog are at risk of becoming the victim of a scam, too. In these cases, they’re contacted by an individual via email or text message who say they’ll send a check to cover costs with instructions for the seller to deposit the check and forward a certain amount on to another party who will take care of shipping. If these instructions are followed, the seller is out the shipping fees wired to the scammer.

The BBB offers the following tips to avoid scams when you’re looking to adopt or sell a pet:

• If you’re looking for a purebred, do your research to ensure you’re dealing with a reputable breeder and then check them out with the BBB.

• Beware of ads with multiple misspellings and grammatical errors; many pet scams originate overseas.

• When selling a pet, never deal with people who offer to send a check for more than the requested amount under the conditions that you wire the extra money back to them or a third party. A good rule to follow is never wire money to people you don’t know.

• If purchasing a pedigreed pet, be sure the breeder provides documentation of the parents’ registration with the American Kennel Club. This ensures that the pet is in fact a legitimate pure-bred animal. It is then your responsibility to register your pet with the American Kennel Club.

• After purchasing a purebred pet, keep all paperwork including receipts, proof of registration and proof of parents’ registration.

• Take all pets to a veterinarian immediately for an independent examination, any necessary shots, and to establish a baseline for later health care.

• If purchasing from a pet store, ask for a detailed history of the pet’s origin. Unfortunately, some pet stores supply from unsafe and inhumane puppy mills.

• Consider adopting a rescue dog, but keep in mind that previous ownership may influence a pet’s demeanor. Some adopted pets have been subject to abuse, neglect, or poor conditioning. Be prepared to commit time and patience to helping your new pet adjust to his/her home.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Fraudulent Phone Calls Luring Victims from their Homes

9/27/2011

Posted on 9/27/2011 by

Better Business Bureau advises consumers to be wary of unsolicited phone calls informing them they have won gift cards from local stores. This scam is meant to lure people away from their homes, giving burglars the opportunity to break in.

Consumers report receiving a call from someone alleging to be from a local store. The unknown caller claims the consumer has won a gift card and instructs them to claim his or her prize at the store.

When the consumer arrives at the store, they learn there is no gift card and there never was. Upon returning home, they discover their house has been burglarized.

BBB recommends the following tips to protect you from becoming a victim:

Ask questions. Callers should identify who they are, who they work for and how you supposedly won the prize. Generally, you cannot win a prize if you have not entered a contest.

Be cautious of unknown callers. If someone calls stating you have “won” or been “gifted” or “prized” with anything of value, think twice and act smart. Especially if the callers use the name of an official entity, make certain that you go “off the call” and contact the official entity to confirm the information.

Report all suspicious behavior. If you fall victim to a similar scam, report the burglary immediately to your local police so they can begin an investigation.

How to Manage Your Business’ Credit Wisely

9/26/2011

Posted on 9/26/2011 by

Whether you’re a startup or have been in business for decades, you know how important it is to stay on top of finances – especially your credit profile.

The first step to creating a good business credit record is to separate it from your personal finances. Building credit in the business name can help you qualify for lower rates on loans and leases, and it can help protect your personal credit record, which could suffer if you have too much business debt.

Your Better Business Bureau recommends following these simple steps to manage your company’s credit:

• Always use the same business name, address and phone number so that all of your records are placed in one credit report. Consider incorporating your business to legally establish a business identity separate from your personal identity.

• Open a separate checking account for your business. Also, consider opening a business account with an office supply firm or other supplier that reports transactions to business credit-reporting agencies. Make small charges and pay them immediately, even before the invoice arrives (unlike personal credit scores, you’ll get extra credit for paying before the due date).

• Lenders generally ask for your business’ tax records and earnings statements for the past few years to see past earnings. They might also ask for a business plan to assess your potential future earnings. Lenders also look at cash flow in relation to expenses and total debt in relation to earnings. Provide this documentation along with explanations to present the strongest case – especially if you have irregular earnings throughout the year.

• Apply for a DUNS number from Dun & Bradstreet, one of the major business credit-reporting agencies (dnb.com). It usually takes 30 days to establish a DUNS number, or you can pay extra for an expedited account. Then make sure that the companies where you have trade accounts are reporting the information about your on-time payments to Dun & Bradstreet. It’s also a good idea to provide extra information about your business for your credit file. This is where potential lenders and others will find out about your business and the likelihood that you’ll make on-time payments for your loans, equipment leases and office leases, which will affect the terms and rates. After you have a DUNS number, open a few more trade accounts with other companies that send information to the credit-reporting agencies, make small charges, and pay those bills early, too. Check your account for errors and to make sure you’re getting credit for your early payments.

• A PAYDEX score distills the information in your Dun & Bradstreet credit report into one number, which shows potential lenders the likelihood that you’ll make your payments on time. These scores range from a low of 0 to a high of 100. A score of 80 to 100 generally means that you pay your bills before the due date; 50 to 79 means a medium risk of late payment (averages 30 days or less beyond the loan’s terms); and a score of 0 to 49 means a high risk of late payment

For more business tips you can trust, visit www.bbb.org/credit-management/small-business-credit/. And for more reliable business tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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

9/21/2011

Posted on 9/21/2011 by

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

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

KBB warns that any escrow-based consumer-to-consumer service or Buyer & Seller Protection Program offered under its name is a scam. Car shoppers should be aware that imitation websites have a similar look-and-feel to the actual kbb.com and they should be cognizant of the domain name (URL) and email address (view the actual address, not the display name) provided by the seller.

Car shoppers who encounter this type of offer from online sellers are strongly urged to report the seller to the Internet Crime Complaint Center at www.ic3.gov

How the Scam Often Works:

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

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

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

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

Equifax Scam Targets Businesses

9/21/2011

Posted on 9/21/2011 by
The Better Business Bureau has learned of a scam involving a fraudulent fax that appears to be from Equifax, one of three major credit-reporting agencies.

The fax reads: Our records show that you are currently registered as a prospective contrator for procurements issued by the U.S. Federal Government. However, after reviewing your record we have noticed that you have not submitted your financial information release form.

A second page attached to the fax seeks confidential financial information. The person who received the fax and alerted the BBB was instructed to fax the information back to 202-350-9586. The date stamp at the top of the fax even reads 'Equifax - Adm Dept.'

However, this fax is fraudulent and both the BBB and Equifax are urging businesses to discard these letters if they should receive one. Equifax has an alert regarding this scam on its website: http://www.equifax.com/cs7/Satellite?c=EFX_Page_C&childpagename=US%2FEFX_Page_C%2FSimplePage&cid=1187894212504&p=1218149572128&packedargs=locale%3Den_us&pagename=EFX%2FWrapper.

Businesses or individuals who have provided the requested information should contact their financial institution immediately.

BBB Warns of another Foreign Sweepstakes Scam

9/20/2011

Posted on 9/20/2011 by

The Better Business Bureau is hearing from consumers who are receiving phone calls indicating they have won a lump sum amount of $3.5 million. But before funds are made available, the scammers instruct their victims to wire $25,000 cover insurance costs.

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

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

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

To appear legitimate, the letter contains Bank of America, BBB and the city of Las Vegas logos throughout and displays inaccurate return addresses for Bank of America as well as the Council of Better Business Bureaus.

If you get a call telling you that you are a winner, look for these red flags:

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

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

Timeshare Owners: Beware of City Resorts

9/16/2011

Posted on 9/16/2011 by

The Better Business Bureau warns timeshare owners trying to sell or rent their timeshares to beware of City Resorts, a Las Vegas based-company that is the subject of 23 complaints from around the country since March 2011. The business has an F rating with the BBB for failing to respond to complaints.

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

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

BBB representatives confirm that the phone number, website, and email have been disconnected and the current address is a mail-drop.

In 2010, BBBs nationwide processed 2,804 complaints on timeshare resale services. BBB offers the following advice to timeshare owners who are looking for help in selling their timeshare:

• Check out the business with your BBB to view basic information about the business along with its BBB rating and complaint history.

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

• Find out if the business charges a commission. Do they handle the entire closing and provide escrow services? Do they charge an upfront listing or advertising fee? What does it cover and is it refundable?

• Don’t agree to anything over the phone but instead ask the salesperson to send you written materials; take the time to think it over and don’t be pressured in making a decision.

For more consumer tips or to check out a business or file a complaint with BBB, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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

9/16/2011

Posted on 9/16/2011 by

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

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

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

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

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

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

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

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

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

Do Your Research Before Driving into Auto Repair Nightmares

9/15/2011

Posted on 9/15/2011 by

What do you do when your windshield wipers stop working, your brakes no longer help your vehicle come to a stop, or there’s a strange clanking sound emanating from somewhere under the hood? Many opt to fix the problems themselves, but many others turn to the services of an auto repair business.

Although you don't need a crash course in auto mechanics if your car breaks down, you should know how to find a reliable shop and mechanic. Consumers should be on the lookout for such scams as overcharging for repairs, charging for labor that was never performed, and performing shoddy work.

The BBB received a whopping 12,682 complaints against auto repair mechanics in 2010 and 11,000 complaints so far in 2011.

Before turning your vehicle over to an auto repair service:

Get at least three referrals. If you are looking for a qualified mechanic, ask friends, family and coworkers for recommendations. Check the business out with bbb.org to see if there have been any complaints filed. Look for shops that are certified. For major work, such as brakes, transmission or engine repair, look for a shop that employs a specialist.

Ask questions. Don't be embarrassed to request technical definitions. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called when the problem is found and be notified of the course of action and cost before any work begins.

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

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

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advice on Student Security – What Every College Student Should Know

9/12/2011

Posted on 9/12/2011 by
As college students get settled on campus, fighting fraud may not be at the top of their list of priorities.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by BBB. The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

Send sensitive mail to your parents’ home or a post office box. School mailboxes are not always secure and often can be accessed easily in a dorm or apartment.

Important documents should be stored under lock and key. This includes your Social Security card, passport and bank and credit card statements. Shred credit card offers and any paper documents that have sensitive financial information rather than just tossing them out.

Never lend your credit or debit card to anyone. Just say no if your friend wants to borrow your card or asks you to co-sign for a loan or financing for items like a TV.

Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software, which help keep your computer safe from any new advances by identity thieves online.

Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.

Check out unfamiliar websites with the BBB. Look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year. You are entitled to one free report a year from each of the three reporting bureaus: TransUnion, Experian and Equifax. Look for any suspicious activity or inaccuracies. You can do this for free by visiting annualcreditreport.com.

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Value of Sept. 11 Anniversary Memorabilia May Be Short-Lived, BBB Advises

9/9/2011

Posted on 9/9/2011 by

With the 10th anniversary of the Sept. 11 terrorist attacks approaching this month, the Better Business Bureau is advising consumers that the value of most memorabilia and commemorative items is sentimental. Prices for many items likely will drop over time.

Patriotic websites are promoting magnets, pins, flags, clothing, license tags, license frames and jewelry, among other items as a way to mark the anniversary. Sellers also are marketing commemorative items on auction sites like eBay, where the seller must rely on emailed questions and online photos to determine an item’s value.

Many of these items are mass-produced by the millions. Because the value of collectibles is largely dependent on how rare an item is, mass-produced commemorative items are not likely to appreciate in value.

If you are interested in buying items to remind you of the Sept. 11 tragedy, the BBB offers the following advice:

Get educated. Collectors need to research the value of items before they begin purchasing them, especially if they want pieces with the potential for substantial appreciation in value.
Confirm authenticity. Autographs can be verified by a third party, but for other items, the collector should feel free to ask the seller questions about the item, including how the seller came to own it. If the seller can’t answer simple questions, then the collector should walk away.
Make purchases with a credit card. Consumers should always purchase items with a credit card if they are shopping online. If the seller turns out to be fraudulent, then the consumer can dispute the charge with the credit card company and may be eligible for reimbursement.
Purchase items from a reputable seller. When shopping online stores, collectors should look for the BBB seal on Web sites and click on the seal to confirm its legitimacy. If there isn’t a BBB seal on the site, shoppers should always check a company’s BBB Business Review.
Do your research. When purchasing items from an individual on eBay, research the seller’s track record by reading buyer reviews. When shopping on Craigslist, go local and never wire money as payment.
Don’t be fooled by empty advertising claims. Just because the seller claims that the item is of limited edition, it doesn’t mean that there weren’t millions made. If the item is being widely advertised, chances are it’s too common to actually gain much value over the years.

Online Gun Dealer Leaves Customers Smoking Mad

9/9/2011

Posted on 9/9/2011 by

Denver, CO – September 7, 2011 – A local online gun dealer has received a concerning rash of Better Business Bureau complaints. The company is called, R.A.R. Guns and appears to be operating out of a home in Castle Rock. Complaints to the BBB Serving Denver/Boulder began to increase in July and August and allege that the company is not delivering guns ordered, not corresponding, and not providing refunds.

Consumers from 10 different states, including one from Colorado, have contacted the BBB eager for help in trying to get their money back from R.A.R. Guns. According to complaints, consumers have spent anywhere from $715 to over $2,400 on custom-made guns that have not been delivered.

The company’s website states, “due to extremely high demand, most orders take between 30 and 90 days. We don't build stock, run of the mill Ar 15s, so they do take some time to build.” But BBB complainants allege they have been waiting much longer than 90 days to receive their products and most simply want a refund at this point.

The company has not responded to any complaints filed with the BBB so far and has an F rating.

R.A.R. guns also claims on its website that it has built rifles for the “ARMY Special Forces, Marines, US Navy SEALS, ICE, FBI and multiple law enforcement agencies around the country.” Based on BBB Code of Advertising guidelines, the BBB requested the company to substantiate or modify this claim. R.A.R. Guns did not provide any proof for the claim or make any modifications.

The BBB reminds consumers to make note of the following when it comes to shopping online, especially for high-dollar items:

Only make purchases on secure and trusted websites. Check out companies with your BBB.
Understand and agree to the company’s refund and return policies before making a purchase.
Keep your computer’s security measures up to date to prevent hacking.
Dispute any unauthorized charges with your credit card company or bank immediately once the problem has been detected.
Meticulously check financial statements regularly for any suspicious charges.
Dispute issues with the BBB and/or the Internet Crime Complaint Center at www.ic3.gov.

BBB Consumer Alert: Global Subscription Services Making Unauthorized Debits from Consumers’ Bank Accounts

9/1/2011

Posted on 9/1/2011 by

The Better Business warns consumers that a magazine subscription company operating with a Memphis address is mailing notices stating the company is automatically renewing their magazine subscriptions and debiting their bank accounts. Global Subscription Services has an F rating with th BBB.

Global Subscription Services lists its business address as 111 S Highland Street, #102, Memphis, Tenn. However, the BBB has confirmed that address is a rented mailbox at a UPS Store.

BBB complaints have been filed against Global Subscription Services by consumers from all over the country – from New York to California and Alaska. The BBB has received 28 complaints on the company since April. According to complainants, the renewal notice contains bank account information that the consumers say they didn’t provide. Some complaints allege that funds have already been debited from their accounts without their permission.

An Arlington, Ind., man reported that Global Subscription Services processed an automated debit from his bank account without his permission. “I have never done business with this company, nor have I ever authorized or given them my banking information,” he told the BBB. “They stated that they processed an automated renewal on a magazine that I have not subscribed to in over 4 years.” When he contacted the magazine publisher directly he was told that they do not have a contract with Global Subscription Services and would not accept renewal requests from them.

A couple from Somerville, Tenn., also had unauthorized funds drafted from their bank account. “They illegally debited our bank account with $49 on 6/21/11 without any authorization from us to do so,” they told the BBB. “We had already mailed our check directly to the magazine for renewal.” They also contacted the magazine publisher directly and were advised that Global Subscription Services is not authorized to sell subscriptions for them.

According to a man from Olathe, Kan., the company debited his account for $14.95 without his permission. He told the BBB, “The company alleges my personal authorization is on file. I have not granted them authorization. I have not lived at the address they show on the banking record for five years.”

And a Greenville, S.C. woman asked, “I am also very curious how this company obtained my bank account information without my having given it to them.”

The Better Business Bureau contacted the company to find out how consumers were put into the automatic renewal program and how the company obtained banking information that consumers did not provide. In Global Subscription Services stated that some consumers were “inadvertently” enrolled in their automatic renewal program, but didn’t elaborate on how or why. They also did not address the question about how they obtained the banking information.

“This is a good example of why consumers need to scrutinize bills and account statements,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “Someone who isn’t paying close attention might think the statement is legitimate and pay it without question.”

The BBB reminds consumers to be vigilant when paying bills and invoices.

Check your bank and credit card statements. Make sure all charges and drafts were authorized by you.
Don’t wait for your bank or credit card statement to come in the mail. If you have electronic access, check accounts frequently.
Don’t automatically pay bills and invoices that arrive in your mailbox. Verify their legitimacy first.

Online Vehicle Shoppers Should Beware of Potential Scams

8/31/2011

Posted on 8/31/2011 by
Online vehicle shoppers continue to be victimized by fraudulent vehicle sales by criminals who attempt to sell vehicles they do not own, the Better Business Bureau warns consumers.

Scam artists create an attractive deal by advertising vehicles for sale at prices below book value. Often the sellers purport they need to sell the vehicle because they are being moved for work or deployed for the military. Because of the alleged pending move, criminals refuse to meet in person or allow inspection of the vehicle, and they often attempt to rush the sale.

To make the deal appear legitimate, the scam artist instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax their payment receipt to the seller as proof of payment. The scam artist pockets the payment but does not deliver the vehicle.

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

    • Sellers who want to move the transaction from one platform to another (for example, Craigslist to eBay Motors).

    • Sellers who claim that a buyer protection program offered by a major Internet company covers an auto transaction conducted outside that company's site.

    • Sellers who push for speedy completion of the transaction and request payments via wire- transfer payment systems.

    • Sellers who refuse to meet in person, or refuse to allow the buyer to physically inspect the vehicle before the purchase.

    • Transactions where the seller and vehicle are in different locations. Criminals often claim to have been transferred for work reasons, deployed by the military, or moved because of a family circumstance, and could not take the vehicle with them.

    • Vehicles advertised at well below market value. Remember, if the offer looks too good to be true, it probably is.

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

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Trust is Cornerstone for Taking Business to Next Level

8/26/2011

Posted on 8/26/2011 by
By Pam King
Take a minute and think back to the best business advice you ever received. How has it helped you move your business to the next level?
I asked the board of directors for the Better Business Bureau this question and want to share three of their responses.

From Mona Pearl, EVO/COO of Align, Cheyenne: “A mentor/friend once counseled me regarding a situation I needed to address with an employee. For a year I watched the employee struggle to succeed in a position for which I’d hand-selected him. We were on a downhill slide in this area of our business, but I didn’t want to hurt the employee’s feelings – especially since I’d been so positive about his ability to do the job. My mentor said to me, ‘If you don’t have this conversation now, where will you be a year from now?’ I still abide by this ‘rule.’ No matter how difficult it will be today, it will only get more difficult if it’s put off.”

From Zachary Wilson, partner in The Wilson Law Firm, Fort Collins: “On my first day as an associate attorney, my boss told me to always be honest and candid with my clients, co-workers and fellow attorneys, because if I ever lost my reputation for integrity, I could never get it back. He also handed me a timesheet and told me to make sure to keep track of my time – if you don’t bill, you don’t survive.”

And from Mike Pierce, business development director for Burns Marketing, Johnstown: “The best advice I’ve ever received came from Napoleon Hill, author of ‘Think and Grow Rich.’ The quote is: ‘What the mind of man can conceive and believe, it can achieve.’ You must truly believe in your concept and truly believe in yourself. Having a strong belief allows you to extend outside your comfort zone with more confidence.”

As shown by all three of these examples, having trust in yourself and in your decisions is an integral component of taking your business to the next level.

In my experience, if you have trust, taking a business or organization to the next level becomes easier. You’ll find inspiration in unexpected places, you’ll face adversity with courage, you’ll value the difference of opinion and you’ll not be afraid of meaningful risk-taking.

In his book “The Speed of Trust,” Steven Covey tells the story of a New York donut and coffee vendor who implemented a self-pay system to eliminate long lines resulting from having to make change for each customer. “By extending trust in this way, Jim was able to double his revenues without adding any new cost,” Covey wrote.

Trust eliminates many roadblocks to taking that next step up the ladder. Warren Buffet once completed a multimillion deal on a handshake, thanks in large part to his inherent trust in the other party.

While this particular example is the exception to the rule – written agreements save many a headache (and lawsuits) later on – the point is that the business transaction was only possible because of trust.

Covey cited a study sponsored by the Warwick Business School where researchers analyzed 1,200 outsourcing contracts over a 10-year period of time. Relationships that relied on trust as the primary driver – rather than solely the written agreements – outperformed the value of their contracts by 20 to 40 percent.

Covey calls this a “trust dividend” – and it’s an important component of taking your business to the next level.

Scammers Impersonate BBB Representatives

8/24/2011

Posted on 8/24/2011 by

Your Better Business advises that scam artists are claiming affiliation with the Better Business Bureau as a means to gain your trust. Recent incidents reported nationwide include:

The Scam: Impostors visit businesses unannounced to falsely solicit BBB Accreditation and request access to company financial records.

The Facts: BBB representatives may contact businesses periodically by phone or email to update BBB Business Reviews, handle a complaint, or invite select businesses to apply for BBB Accreditation. BBB representatives do not request detailed financial information for any reason.

If This Happens to You: Do not provide company details or payment information to individuals who show up at your business promising BBB Accreditation. Contact your BBB and your local police department.

*****

The Scam: A BBB impersonator calls to inform you that you’ve won a sweepstakes but to obtain your millions you must first wire a handling fee.
The Facts: The BBB does not operate sweepstakes and will never ever ask you to wire money.

If This Happens to You: Hang up the phone and do not wire money. Report the incident to both your BBB and your local police department.

*****

The Scam: An email purportedly from the BBB requests verification and validation of BBB business ratings.

The Facts: The BBB is not conducting verification request nor does it issue emails in response to pending rating or review about you or your business.

If This Happens to You: Disregard the message and report any information received to your BBB.

If you feel you’ve been a victim of these or any other type of scam, please contact your Better Business Bureau at wynco.bbb.org.

BBB Warns About 3 Scams Targeting Businesses

8/24/2011

Posted on 8/24/2011 by
Scammers like businesses because most of the time everyone is too busy to notice that the invoice sitting on the desk is not from the company’s website domain registrar but a look-alike or that their company’s name and/or phone number is being used on phony letters, checks or phone calls.

The best way to not let scammers get their way is by knowing the red flags indicating a scam is afoot.

Here are three scams that have come to the attention of your Better Business Bureau in recent months:

BBB Rating Verification. An email from a fake BBB address (BBBupdate@post.com) in Atlanta, Ga., falsely requests verification and validation of BBB Ratings.

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

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

Caller ID Spoofing. Technology readily available for sale over the Internet allows callers to fool caller ID with a bogus name and number. The practice is known as identity spoofing. A regional mortgage company reported that scammers were using its business name and phone number to cold call consumers nationwide.

If someone is going to steal your caller ID, they likely are not going to comply with state or federal “do-not-call” lists, prerecorded call laws or even anti-fraud laws.

If you have reason to believe your phone number has been “spoofed” by a third party, report it immediately to your telephone carrier’s fraud division and create a record of it.

And if you have reason to believe incoming calls are being spoofed, don’t provide personal or financial information. Instead, hang up and call the phone number on your account statement, in the phone book, or on the company’s or government agency’s website.

In both instances, let the FCC know about ID spoofers by calling 1-888-CALL-FCC or filing a complaint at fcc.gov/complaints.

Domain Registration. Scammers data-mine whois databases to find domains that will soon be up for renewal and then send official-looking invoices to the domain's billing contact. Scammers are hoping you won't notice that the invoice isn't from your actual domain registrar and will pay it as you do all other bills.

If you read the fine print, however, you’ll see that you're agreeing to transfer the domain from your legitimate registrar to the fraudster. So not only are you out of pocket, but you may have also contractually locked yourself into paying that registrar for future renewals.

This fraud works best at businesses where individuals are too busy to check the details of every invoice that passes their desks.

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Warns Job Seekers about Phony Job Listings

8/24/2011

Posted on 8/24/2011 by
The Internet has been a boon to those looking for jobs. However, it’s also provided a ripe opportunity for ID thieves and scammers to take advantage of eager – and unsuspecting – job seekers.

The BBB advises job hunters to watch for these red flags:

Emails are rife with grammatical and spelling errors. Most online fraud is perpetrated by scammers located outside the U.S who are don’t have a clear understanding of the English language. If the job description is filled with misspellings, keep looking.

Emails claim there’s a problem with a job-hunter’s account. After creating a user account on sites such as Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an email saying there is a problem with the account or that they need to follow a hyperlink to install new software. Click the link and malware or viruses will be installed on your computer.

An employer asks for Social Security or bank account numbers. Some job seekers are surprised when offered a job without a single interview, and even more surprised when asked for personal information. Never give out your Social Security or bank account numbers over the phone or email.

You're promised an extravagant income without leaving home. Job hunters should use extreme caution when considering work-at-home offers such as stuffing envelopes or assembling kits. Always research the company with the BBB first at www.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Salary and benefits seem too good to be true. Phony employers often brag about exceptionally high salary potential and excellent benefits for little experience in order to lure unsuspecting job hunters.

The job requires wiring money. Many phony jobs require employees to cash checks sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Although the check might clear the employee’s bank account, it will eventually turn out to be a fake and the employee is out the money he or she wired to the scammers.

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Watch Out for False Emails Requesting BBB Rating Verification

8/18/2011

Posted on 8/18/2011 by
The BBB cautions businesses and consumers about an email that purports to come from a fake BBB address (BBBupdate@post.com) in Atlanta and falsely requests verification and validation of BBB Ratings. The email message reads, “Our data shows a pending rating or review about you or your business. Derogatory/Negative reviews or ratings can impact you (sic) business profile and become permanently visible to customers, clients, vendors, and agencies. CONTACT OUR NOTIFICATION DEPARTMENT IMMEDIATELY FOR VERIFICATION AND VALIDATION OF THIS ALERT.” The BBB is not conducting a verification request nor is it issuing emails in response to a pending rating or review about you or your business. Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal at bbb.org/us/scam-source/. CBBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

Debit Card Phone Scam Making Rounds in U.S.

8/18/2011

Posted on 8/18/2011 by
Consumers in various parts of the United States are reporting to the BBB that they are receiving auto-dial telephone calls on both cellphones and landlines with messages telling them their debit cards have been frozen and they need to press 1 to correct the problem. As soon as they do that, they are instructed to press 2 and enter their card number. One complainant received a text message stating that his card had been “locked.” The text came from 530@achieve.com, which is a spoofed email address that goes directly to scammers. If you receive a call like this, the BBB advises hanging up immediately. If you feel you are a victim, report it to your bank, file a police report and regularly monitor all financial accounts for fraudulent activity. If your information has been compromised, report it to the FBI's complaint center at ic3.gov if you have compromised info.

Shield Yourself from a Cellphone Radiation Scams

8/17/2011

Posted on 8/17/2011 by
Is exposure to cellphone emissions harmful? One study says it is, another says it is not. While research continues, consumers are left to determine for themselves if they should be concerned. Add to the mix scammers looking to make a quick buck by promoting shields that purportedly protect cellphone users from cancer-causing waves.

Scammers have a huge audience to target. As of 2010, there were more than 303 million subscribers to cellphone service in the U.S., according to the Cellular Telecommunications and Internet Association. This is an increase from 110 million users in 2000. Globally, cellphone users are estimated to be 5 billion.

According to the Federal Trade Commission, there is no scientific proof that the so-called shields significantly reduce exposure from cellphone emissions. In fact, it states that products that block only part of the phone, such as the earpiece, are totally ineffective because the entire phone emits electromagnetic waves. By interfering with the phone’s signal, phony shields may cause it to draw even more power and possibly emit more radiation. Furthermore, the shields may interfere with your cell phone’s reception.

Your BBB and the FTC advise consumers to consider these free options for limiting cellphone electromagnetic emissions:

Go hands free. Consider using a hands-free device or the speakerphone. For short conversations, text the message, which allows for a quick response and keeps the phone away from your head.

Wait for a good signal. When you have a weak signal, your phone works harder, emitting more radiation. Phones also give off more radiation when transmitting than when receiving, so tilt the phone away from your head when talking, and bring it back to your ear when listening.

Shop around. Before buying a phone, research its specific absorption rate, which tells how much radiation the body absorbs while using the phone. Different phones emit different amounts of radiation. In the U.S., a phone’s SAR cannot exceed 1.6 watts per kilogram.

For more information on cell phone use and health issues, see the National Cancer Institute’s fact sheet at cancer.gov/cancertopics/factsheet/Risk/cellphones

Start With Trust. For reliable consumer tips and information, visit the BBB or call 970-484-1348 or 800-564-0371.

Better Business Bureau Integrates U.S. and Canadian Operations

8/16/2011

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

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

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

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

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

# # #

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

Hijackers Use False Protection Claims to Lure Online Shoppers

8/16/2011

Posted on 8/16/2011 by
Washinton, DC - The FBI has issued a national press release warning online vehicle shoppers about certain fraudulent vehicle sales and false claims of vehicle protection programs.

In fraudulent vehicle sales, criminals attempt to sell vehicles they do not own. They create an attractive deal by advertising vehicles for sale at prices below book value. Often the sellers purport they need to sell the vehicle because they are moving for work, to include military deployments.

Because of the alleged pending move, criminals refuse to meet the victim in person or allow a vehicle inspection, and they often attempt to rush the sale. To make the deal appear legitimate, the criminal instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax the payment receipt to the seller as proof of payment.

The criminal pockets the payment but does not deliver the vehicle. Criminals also attempt to make their scams appear valid by misusing the names of reputable companies and programs. These criminals have no association with these companies, and their schemes give buyers instructions that do not adhere to the rules and restrictions of any legitimate program. For example, eBay Motors’ VPP is a legitimate program whose name is commonly misused by these criminals.

The VPP is not applicable to transactions that originate outside of eBay Motors, and it prohibits wire-transfer payments. Nevertheless, criminals often promise eBay Motors VPP coverage for non-eBay Motors purchases and instruct victims to pay via Western Union or MoneyGram.

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

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

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

If you have witnessed this behavior or fallen victim to this type of scam, please file a complaint with the FBI’s Internet Crime Complaint Center, www.ic3.gov.

Smart Investors Learn to Recognize Potential Scams

8/15/2011

Posted on 8/15/2011 by
If you follow the global markets, you probably feel like you’re on a roller coaster. Now they’re up, now they’re down, and oops – hold on! – here comes the loop-de-loop.

Now that Standard & Poor’s, an independent provider of credit ratings in 30 countries, has downgraded the United States’ AAA credit rating to a AA+, many investors are wondering how this will affect their own investments.

What you can expect is an increase in questionable investment propositions coming your way that promise to be safe havens for your funds when in fact they are less than trustworthy.

Although investment scams have always existed, they tend to increase in uncertain economic times because scammers know vulnerable investors are looking for ways to secure their funds – and their futures.

What to do? Keep an eye out for the following red flags when approached with investment offers:

Offers are unsolicited. Be suspicious of unexpected emails, phone calls or letters in the mail from investment firms urging you to respond. And beware of offers that promise a “free” meal at a local restaurant in exchange for sitting through a sales spiel.

A large upfront investment is required. One of the most common complaints the BBB receives about investment opportunities is the requirement to pay upfront fees only to never receive the promised income. Many times, potential investors pay in advance but are unable to reach the company when concerns arise.

You’re promised high returns for low risk. Every investment comes with a level of risk. If the seminar offers an investment plan claiming large returns with little or no risk, beware, even if it comes with the promise of a money-back guarantee. If it sounds too good to be true, it probably is.

High-pressure sales tactics are used. Seminar leaders often try to get investors to sign up immediately. They may claim there are only a few spots left or that investors need to get in on the ground floor today to see the largest earnings. A reputable company will let you take your time to do research before buying in.

The offer relies on off-shore investments. Many questionable seminar pitches try to give their scheme an air of sophistication by pushing overseas investments such as foreign currency, property, stocks and bonds. They may also incorrectly claim investors can avoid taxes by investing overseas.

Testimonials come from questionable sources. Someone who appears to want to share a friendly tip about a great investment opportunity may actually be a con artist trying to lure you into an investment scam. Some untrustworthy websites feature phony testimonials as a means to lend credence to the sales pitch.

Before investing your hard-earned money, take time to check out the investment company with your BBB at wynco.bbb.org and with the Securities Division of the Colorado Department of Regulatory Agencies at dora.state.co.us/securities/. Other sources include the Federal Securities and Exchange Commission at sec.gov, the North American Securities Administrators Association at nasaa.org and the National Futures Association at nfa.futures.org.

Tips for College Students to Keep IDs Safe

8/11/2011

Posted on 8/11/2011 by
In a few short weeks, college students will say goodbye to their families and head off to colleges near and far.

But their academic adventures are not without risks, which makes now a good time for a refresher course on the importance of protecting their identities from potential identity thieves.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by the Better Business Bureau.

The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

“Friendly fraud” accounts for 14 percent of all ID theft crimes. This means that new roommates and friends have just as much potential of being as dastardly as a foreign-based scam artist phishing on the Internet.
And identity thieves – friend or foe – think nothing of dumpster diving (or rifling through unattended trash cans) for unshredded paperwork or even taking mail from unlocked mailboxes (or off a desk). They even cruise social networking sites looking for some personal tidbit that can unlock a wealth of information elsewhere.

What to do?

•   Keep sensitive information from prying eyes. Store personal and financial records in a locked storage device or in a password-protected file. Shred sensitive documents you don’t intend to keep. (Note to parents: A paper shredder makes a great last-minute going-away gift for college students.)

•   Be mindful of people in close proximity who could overhear or watch as sensitive financial or personal information is provided on the phone, websites or while shopping.

•   Avoid providing your full nine-digit Social Security number whenever possible. Ask if you can provide alternate information instead.

•   Don’t carry Social Security cards or unnecessary credit cards or checks.

•   Request electronic financial statements and use online bill pay whenever possible. Enroll in direct deposit, shred sensitive paper documents, and don’t put checks in an unlocked mailbox.

•   Install and update anti-virus and anti-malware software on your computer. Keep firewall, browsers, applications and software updated as well.

•   Don’t publish birth date, email address, mother’s maiden name, pet’s name or other identifying personal information on social networking sites. Use privacy settings to control who has access to your profile.

•   Use strong passwords that combine letters, numbers and symbols, and change them regularly. Don’t access unsecure websites or type in personally identifiable information while using public Wi-Fi on mobile devices, laptops or computers. Turn off Bluetooth and Wi-Fi when they’re not being used.

•   If conducting business online, provide personal or financial information only on secure sites. To recognize these sites, look for a padlock symbol and an “s” after the “http” in the address bar.

•   Be vigilant in monitoring bank and credit card statements to spot unauthorized activity. The most common method for fraudsters to take over a victim’s account is by changing the physical address, so sign up for security alerts that are sent to your mobile phone or email account whenever changes are made to your account or personal information.

College students – and others – who believe they are a victim of identity theft should immediately contact their bank and credit card companies, contact the Federal Trade Commission at ftc.gov/bcp/edu/microsites/idtheft to fill out a complaint form, place a fraud alert on their credit report and file a police report

BBB Warns Consumers of Businesses Misrepresenting Themselves as Government Agencies, Charging for Free Services

8/11/2011

Posted on 8/11/2011 by

The Better Business Bureau warns consumers to beware of websites and businesses claiming to provide assistance with immigration services.

The BBB recently became aware of an increase in operations claiming to provide passport, citizenship and immigration services, in particular the website www.usaimmigrationsupport.com.

Consumers complaints to the BBB allege that the U.S. Immigration Organization, the business that operates the website www.usaimmigrationsupport.com, misrepresented itself as a government entity.

Consumers have spent anywhere from $75 to hundreds of dollars on these services, thinking they were receiving official assistance with their passport, visa, and naturalization applications. In return, they received only the applications that are free and easily accessible through the federal government.

The BBB reminds consumers that it's important to fully read and understand any website and its disclaimers before doing business on it. In addition, the BBB advises:

Never sign blank documents that may contain inaccurate information

Always retain your original documents and only provide photocopies if necessary.

Do not make online payments or send money to someone who is not a licensed attorney.

Make copies of every document you prepare, submit and keep for your own records.

Request a receipt as proof of payment.

Tips for Getting the Most Mileage Out of a Tank of Gas

8/5/2011

Posted on 8/5/2011 by
Gasoline prices continue to fluctuate across the United States, which has many consumers taking a second look at products or devices that claim they’ll get more mileage out of a tank of gas.

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 a fuel-saving 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.

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

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

Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent. Follow the recommended maintenance schedule in the owner’s manual.

Don’t let your engine idle. An engine warms up faster while driving. And with most gasoline engines, it’s more efficient to turn off the engine than to idle for longer than 30 seconds.

Drive more efficiently. Stay within posted speed limits. The faster you drive the more fuel you use. Set your cruise control on highway trips.

Keep 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 fuel efficiency.

Anticipate driving conditions. Driving smoothly and steadily makes the best use of fuel. Avoid sudden acceleration or braking.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Watch Out for False Promises from OnlineBuinessScams.com

8/2/2011

Posted on 8/2/2011 by
The BBB cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services. OnlineBusinessScams.com charges consumers an upfront fee of $1,500 to $2,000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to the BBB.

OnlineBusinessScams.com told one consumer that in order to help him collect money owed from a business he needed to pay 30 percent of the amount owed. The site requested half of the 30percent upfront, which he paid.

After receiving the fee, OnlineBusinessScams.com asked the consumer to provide the details of the dispute so the site could determine whether to handle the “case.” Afterward, the consumer received an information packet that included an envelope addressed to the BBB.

OnlineBusinessScams.com told the consumer that they would recover his money within 90 days. It’s now been 90 days and the consumer tried to contact OnlineBusinessScams.com to no avail.

All of the BBB's services are free and consumers never have to pay a third party in order to receive help. Visit wynco.bbb.org for more information about BBB consumer services.

BBB Tips for Leasing Office Space that Works

7/27/2011

Posted on 7/27/2011 by
If your business is starting to take up more room than your home office allows, or if you’ve outgrown the space you currently lease, it’s time to think about taking that next big step.

Although leasing a commercial office space can be a daunting proposition, especially if you’ve always had a home office, it doesn’t have to be overwhelming.

The BBB recommends that you consider the following when leasing office space:

What are your needs? Before starting your search, take a hard look at your business plan and what you need in terms of space. For example, consider how many employees you have now and how many will be hired over the course of the lease. The general rule is to provide 175 to 250 square feet per person. Also consider common areas such as reception area, break rooms and conference rooms that you and your employees will need.

Get professional help. Chances are you’ll need a Realtor to help you navigate through the process of finding that perfect office space. Before you select your Realtor, check out his or her BBB Business Review.

Location, Location, Location. The perfect location often depends on what kind of business you run. If you regularly meet with clients in your office, you’ll want a convenient, safe, location. Consider accessibility — parking, public transportation — as well as the condition of the building and the neighborhood. Will your employees be able to easily get to work? Is public transportation nearby?

Go ahead, kick the tires. Take a long hard look at the office space and assess the condition of the building. Office space typically falls into three categories – Class A, B, and C – dependent on the location, age, condition and amenities; Class A is considered the best. Ask the landlord about recent improvements and upgrades as well as the condition of the AC and heating units. Also discuss who pays for any needed remodeling, such as new carpet, fixtures and fresh paint, perhaps even interior renovations such as walls taken down – or put up.

Review the lease carefully. Read the lease carefully and, if you need help deciphering the legalese, contact an attorney who specializes in lease agreements. Don’t be shy about negotiations; this is a major investment and a big step for your company and you don’t want to get locked into a bad deal.

Start With Trust. For trustworthy business and consumer tips, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Is Retirement in Your Future?

7/27/2011

Posted on 7/27/2011 by
With changes in retirement rules and reductions in employer contributions, consumers now realize they must take more personal responsibility for their retirement finances. But in this economy, how do you make sure you will have the finances needed for a secure retirement?

Less than half of all Americans know how much they need to save for retirement, according to the U.S. Department of Labor. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits such as 401(k) plans that allow for an immediate tax deduction for growth on your savings.

The BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:

* A penny earned is a penny saved. Start saving now and continue to stick to your savings goal. Make a budget and use it.

Be realistic about your retirement needs. Experts estimate that you will need about 70 percent of your preretirement income – lower earners will need 90 percent or more – to maintain your standard of living in retirement. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.

Take advantage of your employer’s retirement savings plans. While many companies are now less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. Find out if your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an IRA; you can contribute even more if you are 50 or older.

Don’t stir the pot. Avoid touching your retirement savings if at all possible to avoid paying penalties and losing principal, interest and tax benefits. If you change jobs, leave your savings invested in your current retirement plan or roll them over to your new employer’s plan or an IRA.

Start With Trust. For trustworthy consumer tips and information, visit your BBB or call 970-484-1348 or 800-564-0371.

Immigrants Jammed in a U.S. Citizenship Scam

7/25/2011

Posted on 7/25/2011 by
Last month, Loma International Business Group in Baltimore was shut down for charging immigrants for filing immigration forms that the group was not authorized to file. Spanish- speaking immigrants from Honduras and El Salvador lost money to this business by trusting them to file their immigration forms in order to gain a legal immigrant status in the United States.

The company claimed it was authorized to perform such duties when in fact they were not, making it illegal for them to be charging money for their services.

In another case from earlier this year, a fabricated immigration company developed an Internet scam that collected fees from immigrants ranging from $200 to $2,500. According to published reports, promised services were never performed.

In the wake of recent scams, the FTC has created educational materials for immigrants who speak English, Spanish, Chinese and Korean. The tools can help immigrants educate themselves on avoiding immigration scams and provide them with means to file FTC complaints and report suspected scams or fraud.

BBB offers some tips to persons looking to obtain legal status in the U.S. while avoiding common scams:

Never sign blank documents or documents that contain inaccurate information.
Always retain your original documents and only provide photocopies if necessary.
Do not make online payments or send money to someone who is not a licensed attorney.
Make copies of every document you prepare and submit for your own records.
Request a receipt as proof of payment.
Read up on materials provided by the U.S. Citizen and Immigration Services that can help you obtain your citizenship.

Summertime - and Burglars are Busy; Is Your Home Secure?

7/21/2011

Posted on 7/21/2011 by
Summer is the perfect time for a vacation getaway. It’s also the perfect time for a home robbery. According to the FBI, July and August have the highest rates of burglaries.

Homeowners are fighting back by installing electronic security systems. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

The BBB advises consumers to do the following when looking to invest in a home security system:

Choose a professional installer. The best home-security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. Deal only with reputable firms and check out the company with BBB first.

Contact at least three companies before selecting an installer. Find out if they are properly licensed and if they screen employees before hiring. Check with the Electronic Security Association’s website at alarm.org for a directory of member companies that agree to abide by the National Code of Ethics.

Ask about upfront charges. Prices for home security systems vary based on the level of protection and type of technology used. In addition to an installation charge, expect to pay monthly monitoring fees. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are unsatisfied with services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? Make sure you understand exactly what equipment and protection you will be provided.

Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. For more home tips you can trust, visit www.bbb.org/us/bbb-news.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Quick Tips for Marketing With QR Codes

7/19/2011

Posted on 7/19/2011 by
Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website.

So what is a QR code? These 2-dimensional barcodes, which originate back to 1994 as a means of tracking auto manufacturing processes, are now being used in fun, innovative, business-savvy ways that lure customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be created or read quickly by your mobile device. Think of a barcode that can store more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless.

A business can use a QR code to show directions to its business, its BBB Business Review or a URL that the viewer clicks to receive a coupon. You can even put a QR on your business card with a link in the QR that takes the recipient directly to your website. Or add a QR that contains your contact information making it easy to add that info to a cell phone.
So what are other ways to use the code? And are there any risks?

BBB offers the following tips to businesses considering using QR codes:

Where to display? Many businesses use store windows, print advertisements, business cards, email signatures, shirts, mugs, ties and other products to display QR codes. Some businesses use the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

How do you generate your own QR code for free? Many sites offer a free QR generator that spits out an easily copied code that can be used as a template for all of your QR code needs.

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place.

For more consumer and business news you can trust, visit wynco.bbb.org
Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Avoid Unexpected Cell Phone Data Charges when Traveling this Summer

7/19/2011

Posted on 7/19/2011 by
Smartphone users can now surf the web, receive emails and watch movies with just the touch of a button. However, when traveling abroad many consumers forget that their data plans are still in use even when they think their phones aren’t.

The Better Business Bureau advises consumers to either turn off their phones or make the necessary data arrangements with their providers to avoid thousands of dollars of data charges while traveling abroad this summer.

Last year alone, the BBB received more than 27,000 complaints against the cellphone industry, many from customers unaware that their data plans were still in use as they traveled outside of their coverage areas or outside of the United States. One complainant, for example, was charged more than $1,200 when his cellphone auto-received daily emails during a one-week stay in Jamaica.

“Roaming” is defined by the Federal Communications Commission as a wireless phone’s ability to make and receive calls outside the home-calling area under your service plan. Sometimes your phone will indicate it’s roaming, other times it may not.

Before taking off for that summer trip abroad, the BBB advises:

Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cellphones. Many rental plans offer services that work in several countries and may provide free incoming calls.

Contact your cellphone provider. Your cellphone carrier can clarify where you are covered and the data plans that can be purchased when traveling abroad. Occasional travelers who don’t rely on their phones may want to look into an international add-on plan.

Invest in a prepaid SIM card. Travelers who are heavy users of their cellphones may want to invest in a prepaid SIM card to cut costs. With access to a local phone number, you can make phone calls at the country’s local rate. Many companies offer SIM cards that include free incoming calls originating from anywhere in the world. Always check with the BBB before choosing an international service provider.

Beauty Pageant or a Scam Covered in Makeup? BBB Offers Tips to Help You Figure it Out

7/18/2011

Posted on 7/18/2011 by
Many advertisements seeking beauty pageant participants read, “Win Big Prizes! Scholarships! Cash! Become the Next Supermodel!” These ads are appealing to parents of young children, teens and others who are convinced they have what it takes to become the next big star.

Participating in a beauty pageant may provide a rewarding experience, but many would-be contestants find that some pageant promoters do not deliver what they promise. While there are legitimate pageants, there are also those whose only purpose is to fatten the pockets of promoters.

In 2010, Better Business Bureau received nearly 10,000 inquiries from consumers about beauty pageant promotions.

Before entering into a pageant, parents and others who want to get involved should consider the following questions:

How long has the company been operating pageants? Who are the directors? Usually pageants are operated by for-profit organizations that solicit participants by mail or print advertising, or by broadcast media, to compete for recognition and prizes from the promoter.

What is the total cost of pageant participation for both the entrant and the chaperone? Oftentimes, family or business sponsors are asked to pay a sponsorship fee to the pageant promoter to cover hotel rental fees, awards and administrative costs. Keep in mind that other costs include clothing, makeup, food and lodging.

Can the location (place of business) of the pageant company be verified? Where and when will the actual pageant be held? What accommodations are provided for contestants? Will there be adequate supervision?

Do all of the details add up? Are there judges and what are their qualifications? Do they have any affiliation with the company? Are refunds possible if a contestant decides to withdraw? How are winners chosen? What criteria are used for selection? What are the obligations of the winning contestant? What do former contestants and winners have to say about the pageant? Finally, what benefit will be derived from participating or winning?

Do the winnings sound too good to be true? If so, they probably are. Be sure to read any contract carefully and thoroughly in advance of entering a pageant to understand the rights and responsibilities of the winner or other contestants.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB warns of Craigslist job scam

7/15/2011

Posted on 7/15/2011 by

A bogus employment opportunity scam has surfaced on Craigslist claiming to offer a job with the Better Business Bureau.

Scammers are posting fake advertisements for employment opportunities for a Data Entry Clerk at Better Business Bureau in regions across North America. Once the job hunter replies to the posting and sends in their resume, they receive an email response that indicates that all employees are paid via direct deposit. The email directs the applicant to click a link to sign up for their preferred banking institution at no additional cost, revealing personal banking information and potentially downloading malware to their computer.

BBB warns job hunters to watch out for these three common job scams:

Job offers that require upfront fees. No legitimate job offer will require out of pocket expenses from a potential employee for background checks, credit reports, or administrative fees before an interview. Additionally, job seekers should never provide bank account information for direct deposit setup until they have officially been hired.

Unsolicited job offers. Identity thieves employ many different methods for getting personal financial information from job hunters. Spam email might offer a great opportunity and direct the job hunter to a website that is designed to install malware on his or her computer or solicit bank account details. In other cases, the job hunter might even be asked to submit a resume, find out they’ve been hired and then immediately be asked for bank account or social insurance numbers.

The job requires you to wire money. Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the story given, the ending is always the same: the check is a fake and the employee is out the money he or she wired back to the scammers.

Council of Better Business Bureaus Announces Groundbreaking Agreement on Child-Directed Food Advertising

7/14/2011

Posted on 7/14/2011 by
Arlington, VA – The Children’s Food and Beverage Advertising Initiative, a program of the Council of Better Business Bureaus, today announced a groundbreaking agreement that will change the landscape of what is advertised to kids by the nation’s largest food and beverage companies. For the first time, these food and beverage companies, which do the vast majority of advertising to children, will follow uniform nutrition criteria for foods advertised to children.

These uniform nutrition criteria, designed by CFBAI and top food industry scientists and nutritionists, will further strengthen voluntary efforts to change child-directed food advertising. Approximately one in three products currently advertised to kids do not meet the new nutrition criteria. While individual companies already have strong nutrition criteria for the products they advertise, the new uniform nutrition criteria will require many companies to change the recipes of these products or they will not be able to advertise them after Dec. 31, 2013. The new criteria encourage the development of new products with less sodium, saturated fat and sugars, and fewer calories.

“These uniform nutrition criteria represent another huge step forward, further strengthening voluntary efforts to improve child-directed advertising. Now foods from different companies, such as cereals or canned pastas, will meet the same nutrition criteria, rather than similar but slightly different company-specific criteria. The new criteria are comprehensive, establishing limits for calories, saturated fat, trans fat, sodium and total sugars as well as requirements for nutrition components to encourage,” said Elaine Kolish, vice president and director of the CFBAI.

The result of a yearlong effort to further improve the nutrition composition of foods advertised to children, the new CFBAI criteria take into account food science, U.S. dietary guidelines and the real-world difficulties of changing recipes of well-known foods. The new CFBAI uniform criteria fill gaps in the system of company-specific standards. They also recognize the inherent differences in food categories and their role in the diet, and set calorie and nutrient requirements that are appropriate for 10 categories. Under the new CFBAI criteria, different foods such as cereals, peanut butter and dairy products have different nutrition criteria that are appropriate to each category.

“The food supply is a critical component to health and wellness. These criteria are meaningful, but practical, science-based standards that will further encourage healthier foods to be developed and advertised to children. Having criteria that are balanced for both nutritional significance and yet allows inclusion of foods that taste good and are affordable is critical because no matter how healthy a food is, if it’s not consumed it will not improve health and wellness. These criteria strike that balance,” said Dr. Eric Decker, chair of the Department of Food Science at the University of Massachusetts-Amherst and a member of the Institute of Medicine’s Committee on School Foods.

The 10 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 those that occur naturally those that are 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 less than 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 more than 150−200 calories get proportionately higher limits). Foods in this category also must provide less than one-half serving of foods to encourage (fruits, vegetables, non- or low-fat dairy, and whole grains) or more than 10 percent 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 more than 1 serving of foods to encourage or more than one-half serving of foods to encourage and more than 10 percemt of the Daily Value of two essential nutrients.

“The foods advertised during kid’s programming are better now than before. CFBAI participants have stepped up to the plate and changed what’s on it. As a result, the fat, sugar, sodium or calorie content of foods advertised to kids has been reduced, and their nutrient density increased. During the last several years, CFBAI participants have changed the recipes of or created more than 100 products to meet their meaningful, science-based nutrition standards,” said Kolish.

Under the current company-specific criteria, a limit of 12 grams of added sugars was the general standard for children’s cereals. This represented a significant improvement from 16 or 15 grams of sugars in cereals advertised to children prior to the CFBAI. Now, under the CFBAI’s new uniform criteria, the limit for most children’s breakfast cereals is 10 grams of total sugars. Similarly, companies’ sodium standards for canned pastas ranged up to 750 mg. Now, 600 mg of sodium, the level FDA uses in its definition of “healthy” claims for main dishes, will be the maximum.

The Council of Better Business Bureaus created the CFBAI in 2006 to respond to the FTC’s and Institute of Medicine’s calls for greater self-regulation of food advertising to children. As a result, advertising primarily directed to children through traditional and emerging media today are for healthier products, and these new criteria will result in participants improving products even more.

For more details on the criteria, visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative/.

###
About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Incorporated; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the current pledges of the participants visit: http://www.bbb.org/us/children-foodbeverage-advertising-initiative

Immigration Services Industry Corrupted by Scam Artists

6/28/2011

Posted on 6/28/2011 by

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 its initiative to fight immigration services scams.

The common thread in this type of fraud involves the unauthorized practice of immigration law. In 2009, the Better Business Bureau received several calls from Spanish-speaking consumers inquiring about a Colorado Springs-based company called Immigration Center, among many other names, which seemed to be operating in such a manner. The company was shut down in January 2011 by a federal judge at the request of the FTC.

According to the FTC, the defendants representing the company were charged with violating federal law by misrepresenting:

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 costs associated with submitting immigration documents to the USCIS.

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 U.S. Citizenship and Immigration Service or the Board of Immigration Appeals. 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 may have to pay when you submit them to USCIS. You can get free immigration forms at 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, such as 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 ftc.gov for more information.

# # # #

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

BBB Logged Hundreds Of Complaints About Auto Warranty Firms In Last Year

6/28/2011

Posted on 6/28/2011 by

Despite rising public awareness of problems in the nation’s vehicle service contract industry, consumers continue to tell the Better Business Bureau they feel tricked by misleading advertising or duped into spending thousands of dollars for contracts with little or no value.

Typical is a complaint received last month from a Fort Lauderdale, Fla., consumer: “I pay on time and follow all terms of the policy but they won’t cover anything.”

Another consumer, from South Holland, Ill., made a similar claim last month: The company has “fraudulently taken my money with no thought of ever (paying for repairs).”

A consumer from Ladson, S.C., who said she received a misleading mailer from a vehicle service marketer in April, was more blunt: “These guys were slime.”

Earlier this month, brothers Darain and Cory Atkinson who founded and ran US Fidelis, were charged with multiple counts of unlawful merchandising practices, stealing and insurance fraud in connection with their operation of the company.

The BBB offers the following advice for consumers considering purchasing a service contract for their vehicles:

Always read your contract thoroughly and make sure you understand it completely before paying for coverage.
Never give any personal or credit card information to anyone over the phone or via e-mail until you are ready to purchase a contract.
Do not be pressured into making an immediate decision. Beware of any sales offers that require you to buy immediately in order to qualify for the best rate.
Beware of any claims that you will receive “total” or “bumper to bumper” coverage on your vehicle. That does not necessarily mean that every problem with your car will be covered. Look for conditions and disclaimers.
Read your manufacturer’s warranty and contact your dealer or manufacturer to make sure you are not purchasing duplicate coverage.
Do the math. Sometimes the cost of a service contract may be more than the value of the car.
Check the contract seller’s BBB Business Review by going to www.bbb.org or by calling 314-645-3300. Do not be misled by marketers who suggest that you check the review for contract administrators and not the brokers themselves.

Is Your Office Going to the Dogs?

6/23/2011

Posted on 6/23/2011 by Luanne Kadlub
If you’ve ever wanted to take your well-behaved dog to work, circle June 24 on your calendar: It’s National Take Your Dog to Work Day!

If this is your dog’s first day at the office, do some advance prep. First, make sure it’s OK with the boss and your colleagues if Fido comes to work with you for the day. Then dog proof your office, cubicle or work station. Tape wire cords out of the way, hide trash bins if your best friend likes to see what you’ve just filed away there, and put potential toxic materials (markers, for example) in drawers.

Be sure to take food, treats, water and supplies to clean up unexpected accidents. Try to schedule a few 10-minute breaks throughout the day for a quick game of catch outdoors.

For more tips on taking your dog to work, visit the American Society for Prevention of Cruelty to Animals.

What’s the best thing about taking your dog to work?

Are Buy-Back Programs Right for You?

6/22/2011

Posted on 6/22/2011 by
To keep up with latest technology, many consumers are tempted by the increasing number of retailer buy-back programs offered for a minimal fee at the point of sale.

As long as your gadget is in good condition, many buy-back programs allow you to trade up such items as your cell phone, laptop, tablet and television for a percentage of its current value. Usually, this credit comes in the form of a store gift card.

The Better Business Bureau recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:
Buy-back programs act as insurance against loss of value. Like any insurance policy, the true value can become nominal and hard to define. Be sure to read the fine print as many buy-back options have conditions and constraints that could ultimately keep you from selling back your used gadget.

You could pay triple sales tax. Even though sales tax laws and buy-back program rules vary, the consumer is the one responsible for paying the tax – first when you buy the gadget, a second time when you return it and then a third time when you use the gift card.

Gadget buy-backs are not for the forgetful. If you don’t save original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.
Mobile phone contracts are not covered. You can resell your phone back to the retailer, but your cellphone provider will keep billing you for the duration of your contract.

You can compromise your identity. Remember to completely erase all personal data from the gadget, smartphone or laptop before returning it. If you don't, you could unwittingly compromise your identity.

You can get more for your electronic gadgets elsewhere. In most instances, you can get more for your electronics by using such sites as eBay and Craigslist.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

How to Build a Facebook Presence that Works

6/21/2011

Posted on 6/21/2011 by
Consumers increasingly turn to social media sites such as Facebook to get connected to businesses. This means businesses with just a website or no Web presence at all (60 percent of all businesses fall into the latter group, according to Human Business Works) are missing an opportunity to connect with their customers in a big way.

The BBB recommends the following to small businesses looking to grow their Facebook presence:

Use the right voice. There’s a reason it’s called “social media.” Use a friendly tone in posts, just like you were talking to the customer in person. Visit other business’ Facebook pages to get ideas on tone and content.

Keep your page updated and interactive. What do your Facebook fans want to know? And what do they need to know? Are you offering any special deals, rewards or promotions? Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.
A picture – and video – is worth a thousand words. Keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun, telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings about your business or industry are a great way to show your followers that you are keeping up with industry trends.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Distracted Driving is Perilous - BBB/USDOT Offer Tips to Stay Safe on the Road

6/21/2011

Posted on 6/21/2011 by
In my many years of driving, there has been more than a time or two that I almost got into trouble by doing something other than focus on the road. My distractions? Changing radio stations, laughing a bit too hard, eating lunch, telling kids to be quiet or else, looking everywhere but in front of me, and yes, I’ve even texted (but usually when stopped at a light). I’ve seen others equally if not more distracted, including those reading books and newspapers while going 75 mph.

Many states now have laws either restricting or banning cellphone use. In Colorado for example, texting while driving is illegal and novice drivers – those 18 and younger – cannot use cellphones. But even if everyone obeyed these laws, that leaves a lot of other distractions that all of us must become better at handling.

Why? Nearly 5,500 people in the U.S. were killed and almost half a million were injured in accidents related to distracted driving in 2009, according to the U.S. Department of Transportation. Eighteen percent of those fatal accidents involved the use of a cellphone.

Dr. David Strayer of the University of Utah, who has studied distracted driving for the past decade, said, “We’ve looked to see if we can find people who can talk on the phone and drive safely. There are 2 percent of people who might be as gifted as a skilled fighter pilot. But, we have yet to find anybody who can safely text and drive.”

To encourage drivers of all ages to become safer drivers, the Better Business Bureau joins the U.S. Department of Transportation in getting out the word and tools to help consumers and businesses do just that.

The BBB and USDOT offer the following tips to help you and your family to become focused drivers:

•   Turn your phone off when driving. Yep, it can be that easy.

•   Keep a safe following distance. Driver training experts suggest a following distance of four seconds, which increases visibility and gives more time to react to what’s happening in front of you.

•   Be in control. Preset the climate control, radio and CD player. If driving an unfamiliar vehicle, take time to become familiar with the location of signals wipers and lights.

•   Use technology to manage your technology. If you can’t break the habit of using a mobile device while driving, consider using a call-blocking application to let callers know you are driving and to queue calls and texts until you are safely pulled over. Check if your insurance company offers a policy discount.

•   Clear your mind. If your mind is on work, family or your to-do list, take a moment before driving to get your mind focused on the task at hand – safely getting to your destination.

•   Have a plan. Know beforehand how to get to your destination or consider using navigation devices with voice directions. Pull over if you need to reprogram the device or consult printed directions.

•   Help others help themselves. Make it a practice when you call someone’s cellphone to ask if they are driving. If the response is “yes,” tell them you’ll call back later or ask them to turn the call when they’ve reached their destination.

For more information on distracted driving and how you can make changes at home and work, visit distraction.gov

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Fraudulent Emails Claim to be from FDIC

6/21/2011

Posted on 6/21/2011 by
The Federal Deposit Insurance Corporation has received numerous reports of fraudulent emails that have the appearance of being from the FDIC.

The emails appear to be sent from various "@fdic.gov" email addresses, such as "subscriptions@fdic.gov," "alert@fdic.gov" or "accounts@fdic.gov."

They have subject lines that read: "FDIC: Your business account" or "FDIC: About Your Business Account."

The emails are addressed to "Business Customer" or "Business Owner" and state "We have important information about your bank" or "…financial institution." They then ask recipients to "Please click here to find details."

They conclude with, "This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership."

These emails and the link included are fraudulent and were not sent by the FDIC. Recipients should consider the intent of these emails as an attempt to collect personal or confidential information, or to load malicious software onto end users' computers. Recipients should not access the link provided within the body of the e-mails and should not, under any circumstances, provide any personal financial information through this media.

Financial institutions and consumers should be aware that other subject lines and modifications to the emails may occur over time. The FDIC does not directly contact consumers in this manner nor does the FDIC request personal financial information from consumers.

For your reference, FDIC Special Alerts may be accessed from the FDIC's website at fdic.gov/news/news/Special Alert/2011/index.html. To learn how to automatically receive FDIC Special Alerts through email, visit fdic.gov/about/subscriptions/index.html.

Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.

Sandra L. Thompson
Director Division of Risk Management Supervision
SA-20-2011 June 3, 20

Find a roofer you can trust

6/17/2011

Posted on 6/17/2011 by

The summer season can lead to unscrupulous and unqualified contractors peddling dubious deals. The Better Business Bureau recommends doing your research to avoid getting ripped off by an untrustworthy roofer.

Every year, homeowners research the trustworthiness of roofing contractors with BBB.

Complaints about roofers to the BBB concern high-pressure sales tactics, confusion over contract terms, poor workmanship, incomplete job performance, disputes over warranties and overcharging on the agreed upon price.

To avoid these scenarios and find a roofer you can count on, BBB recommends that homeowners always:

Start with trust. Check out the company first with the BBB at wynco.bbb.org to make sure you are choosing a trustworthy company. You can also ask friends and family for recommendations.

Check the qualifications. Verify the business meets all requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs.

Get at least three bids. Don’t always go for the lowest bid. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come. If estimates for the same work vary widely, find out why. Sometimes unscrupulous operators may use substandard materials or take longer to finish the job.

Recognize the red flags. Beware of any contractor that uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits.

Make sure everything is in writing. The full scope of the work should be explained in the contract. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor, and any warranties or guarantees. Confirm whether or not the roofer will subcontract the job or rely on his or her own employees.

Know what to pay and when. Some contractors may require a deposit, but never pay the full amount upfront or pay with cash. Only pay in full upon satisfactory completion of the work.

Showing the Love this Father's Day

6/16/2011

Posted on 6/16/2011 by Luanne Kadlub
This Father’s Day, dear old dad is getting the respect he’s always deserved – at least in terms of the amount spent on gifts as compared to mom on her day.

The National Retail Federation reports that Americans will shell out an average of $106.49 on dad this year, compared to $94.32 in 2010. Mothers, however, still raked it in in May with $140.73 spent on them for Mother’s Day.

According to the NRF, we’re going to spend $1.4 billion on greeting cards, $2.1 billion on activities, such as golfing, dining out or heading to the movies, $653 million on sporting goods and $593 on automotive accessories. The spending spree is not over. We will spend $1.3 billion on electronics, $1.4 billion on clothing, $1.4 billion on home improvement, gardening tools and appliances, and $598 million on books and CDs.

When it comes down to shopping, more than one-third of us will head to dad’s favorite department store, and nearly as many will shop at discount stores. Twenty-two percent will shop online.

And while most half of us will shop for our dads or step dads, the other half will also treat husbands, sons, grandfathers, brothers and/or friends to Father’s Day card and gifts.

Wherever you shop, remember to always check out the business with your BBB. (wynco.bbb.org)

What are doing for your father this Father’s Day?

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/15/2011

Posted on 6/15/2011 by
Hundreds of online criminals are finding inactive Social Security numbers online – most of which are assigned to children under age 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme can lead to significant debts that might be difficult if not impossible to pay off.

According to the Carnegie Mellon University CyLab Child ID Theft Report, 10.2 percent of 40,000 children studied for the report had someone else using their Social Security numbers. The number of affected children was 51 times higher than the 0.2 percent adult identity theft rate observed in the same population. Child IDs were used to purchase homes and automobiles, open credit card accounts, secure employment and obtain driver’s licenses.

The BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is a different process than obtaining your own. Your child’s report cannot be obtained using the Congressionally mandated free credit report website, AnnualCreditReport.com when under the age of 13 and even sometimes for children ages 14 to 18.

For parents with children under age 13, one of the easiest ways to obtain your child’s records is through TransUnion, which has an online form specifically for child inquiries. If TransUnion says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to get reports from Experian and Equifax, the nation’s other two major credit reporting companies.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check his or her child’s credit report on their 16 birthday, which allows sufficient time to fix errors and activity before your son or daughter goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. Depending on your state's credit freeze rule, placing a credit freeze should be considered.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips to Avoid Being Flooded by Scam Artists

6/13/2011

Posted on 6/13/2011 by
If it’s June in Northern Colorado, you can count on being under a flood watch. Sometimes the flooding is mild, other years homes and businesses are inundated by overflowing rivers. Living in Colorado – at least in terms of weather – is all about unpredictability.

And this is why all of us need to know what to do in case our homes or businesses are flooded by a creek that has turned into a raging river, by torrential rainstorms any time of year, or even by broken pipes and overflowing toilets.

Once the water recedes or is pumped out of your home, and after a call to your insurance agent, it’s time to survey the damage and figure out what you can do yourself and where you need help.

You will probably feel a sense of urgency to get the damage – wet carpets, warped drywall, damaged furniture or electronics – fixed, repaired or replaced. It’s natural to want to return to a sense of normalcy. And this is what scam artists count on after natural disasters.

Although it will seem like a good idea to let an out-of-state contractor who materializes out of thin air to clean up the muddy mess for you, there are many reasons why you need to resist the temptation to do so.

Do you know what you’re getting for your money? Do you know who you will be letting in your home or business? And how will you know if the traveling contractor will do the job well? And how will you know if, after paying a down payment, that he will return to do the job?

You don’t. That’s why it’s always best to take a deep breath and pledge not to rush into making decisions on hiring a business until you’ve had time to check them out.

You can both find a reliable contractor – search by business name, keyword or address – and check out a business at wynco.bbb.org. To check out a business, plug in the name of the business to get its BBB Business Review where you can learn its BBB rating, complaint history and contact information including owner’s name(s), business address, phone number and directions.

Before you hire a contractor, make sure his business has proper licenses and insurance. Don’t be afraid to ask for references and, when you get them, don’t be shy about calling them.

Make sure you get everything – including verbal promises – in writing. When it’s time to pay for the service provided, use a credit card, which will allow you to recoup charges if the job isn’t done to your satisfaction.

BBB Footnote: Many Fort Collins residents have been asking the BBB how to get onto the Fort Collins no-solicitation list now that the city has repealed the Green River Ordinance. You can do this by going to: fcgov.com/solicitation

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advice on Avoiding Wedding-Day Disasters

6/9/2011

Posted on 6/9/2011 by
Love is in the air as many couples prepare for their long-awaited wedding days. With today’s wedding averaging $28,000, there’s not a penny left to gamble on unreliable vendors.

In 2010, the BBB received more than 970 complaints against wedding-related services such as wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists and jewelers. Many complaints centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

The BBB offers the following tips to help your wedding day go as planned:

Research all online vendors. Start with a trusted website rather than doing a general search because results can lead you to unscrupulous websites or phishing scams. Look for the BBB seal and other recognized trustmarks on retail websites and click on them to confirm they’re valid. To ensure 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.

Review all terms and conditions. What is the company’s refund and exchange policy? What is its cancellation policy? Who will provide the service at the wedding? What happens if the company can’t fulfill its obligation?

Keep documentation of your order. Save copies of all documentation – emails, receipts and/or contracts confirming your order and details of the service to be provided, 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. 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 potential problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

USDOT and BBB Collaborate to Fight Distracted Driving

6/8/2011

Posted on 6/8/2011 by
Arlington, Va. – U.S. Transportation Secretary Ray LaHood today announced that the U.S. Department of Transportation and Better Business Bureau will collaborate to educate consumers and businesses about the dangers of distracted driving.

The USDOT and Better Business Bureau are calling on businesses across the country to adopt distracted driving policies as part of their employee culture. A strong distracted driving policy helps companies save lives, reduce time lost from work due to accidents and injuries, reduce insurance premiums, and save money.

“Distracted driving has become a deadly epidemic on America’s roads,” Secretary LaHood said. “We know that educating people about the risk of distracted driving works, and we are pleased to be working with BBB to raise awareness and help businesses and consumers fight this problem.”

“BBB is very pleased to help the USDOT spread the word about the dangers of distracted driving," said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. "Raising awareness about the dangers of multitasking while driving is vital. We are pleased to help promote this good work of the USDOT.”

The national website of the Better Business Bureau will feature a link to a free tool kit that provides employers with suggested distracted driving policies to help keep their employees safe. The kit, created by the USDOT and the Network of Employers for Traffic Safety, contains materials such as a sample company policy, a sample memo to employees on that policy, and a sample company press release.

In addition, Better Business Bureau’s national website will feature videos from USDOT’s “Faces of Distracted Driving” video series. The videos include heartbreaking stories from family members who have lost loved ones due to distracted driving accidents. Better Business Bureau will also provide a link to distraction.gov, a complete resource on everything having to do with distracted driving.

Nearly 5,500 people in the U.S. were killed and almost half a million were injured in accidents related to distracted driving in 2009. Eighteen percent of those fatal accidents involved the use of a cell phone.

The U.S. Department of Transportation’s campaign against distracted driving is a multimodal effort that includes automobiles, trains, planes, and commercial vehicles.

On Sept. 30, 2009, President Obama signed an Executive Order directing federal employees not to engage in text messaging while driving government-owned vehicles; when using electronic equipment supplied by the government while driving; or while driving privately owned vehicles when they’re on official government business. The order also encourages federal contractors and others doing business with the government to adopt and enforce their own policies banning texting while driving on the job.

The Federal Motor Carrier Safety Administration banned commercial truck and bus drivers from texting while driving in September 2010, and proposed a ban on the use of cellphones by commercial drivers in December 2010. In September 2010, the Pipeline and Hazardous Materials Safety Administration proposed a ban on the use of electronic devices by drivers operating a motor vehicle containing hazardous materials, in conjunction with the proposed FMCSA ban.

The Federal Railroad Administration banned rail employees from using cell \phones or other electronic devices on the job following a September 2008 Metrolink crash in Chatsworth, Calif., that killed 25 people.

After a Northwest flight crew distracted by a laptop overshot their destination by 150 miles, the Federal Aviation Administration advised air carriers to create and enforce policies that limit distractions in the cockpit and keep pilots focused on transporting passengers safely.

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

QR Codes and Tags – BBB Advises Clicking with Caution

6/7/2011

Posted on 6/7/2011 by
I went shopping for perennials recently and on almost every plant stake was a wavy tag that invited me to scan it with my smartphone for more information about the care and feeding of said plant. Clever idea.

Once you’re aware of QR codes (short for Quick Response) and High Capacity Color Barcodes (think Microsoft Tag), there is no escaping them. They are everywhere: business cards, product displays, magazines, newspapers, brochures, cups, street signs, paper bags, store receipts, even airline tickets.

QR Codes are easily identifiable – black pixels arranged in a square pattern on a white background – and just as easy to create. They were originated a decade ago by a subsidiary of Toyota as a means to keep track of vehicle manufacturing, and now they’re used by businesses, organizations and consumers as a means to provide tons of pertinent information in a tiny space.

Microsoft Tags are just as easy to spot with their four colors and series of triangles in wavy lines. USA Today, for example, includes them throughout its paper for those who want to read more about articles that interest them.

To take advantage of this new technology, you need both a QR code and the Microsoft Tag installed on an Internet-enabled mobile device. There are numerous QR barcode readers online (some free, some not free) and a free tag download at Microsoft. You can also download QR generators.

Consumers are learning that QR codes and Microsoft Tags are a fast and easy way to obtain the information they want. Snap a picture of a QR code on a product display and get installation directions. Scan a QR code in a magazine advertisement and get details on a how to win a trip to paradise. Need to find out how to find a business? Scan its code in yesterday’s paper. Looking for coupons? Check out a business’ QR code. Want to provide customer feedback? Many businesses use QR codes for that, too.

All of this sounds harmless, but as we’ve seen with the Internet and compatible devices, computer hackers and would-be identity thieves always find a way to install malware and viruses when new technology hits the masses. For example, they might use a QR codes to appear as if it comes from a legitimate business to phish for sensitive information or as a way to get you to an entirely different Web site altogether.

Because of this, the BBB advises consumers to click with caution. If it’s not a company you trust, don’t click on the QR code or tag.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Watch Out for Water-Damaged Vehicles Flooding Used-Car Market

6/2/2011

Posted on 6/2/2011 by Luanne Kadlub
Headlines this spring are filled with weather-related disasters. If you live in a region of the country that so far has been spared, you might think you have no worries.

You might want to rethink that – especially if you’re in the market for a used vehicle.

It is expected that flood-damaged vehicles will soon start appearing – if they haven’t already – at auto auctions, used car dealerships and in print and online classified ads. Many try to mask flood damage with new upholstery and carpet. And they try to lure you in with bargain prices.
What to do? Avoid purchasing a used vehicle sight unseen. Instead, give the vehicle a thorough inspection and look for any discrepancies in the title.

And don’t forget to check out the reliability of a dealer by visiting bbb.org

Do you have a story to share about a close encounter with a flood-damaged vehicle?

Government Seeks to End Local Company’s Infomercials

6/2/2011

Posted on 6/2/2011 by

Denver, CO – June 1, 2011 – Both the Federal Trade Commission and office of Colorado Attorney General John Suthers announced the joint filing of a lawsuit against Westminster-based Dalbey Education Institute and its principals Tuesday. The lawsuit was filed on suspicion that the company’s founder, Russell Dalbey and his companies engaged in deceptive trade practices connected to misleading infomercials.

According to the Colorado Attorney General, the complaint, filed in the U.S. District Court for the District of Colorado, alleges that the companies and their principals are suspected of creating, marketing and running an infomercial, called “Winning in the Cash Flow Business,” since 2002 that led consumers to believe they could get rich by dealing seller-financed promissory notes or cash flow notes. The infomercials, which ran across the United States and Canada, sold informational materials for initial prices ranging from $39.95 to $159. Consumers also were offered thousands of dollars in additional products and services to help with their promissory note businesses. According to the complaint, consumers were told they could make tens of thousands of dollars in a matter of days by purchasing the Winning in the Cash Flow Business materials.

According to the FTC, these claims allegedly were supported by “testimonials” from consumers who claimed to have made “$1.2 million in 30 days,” “$79,000 in a few hours,” and “$262,216 part time,” for example. “In less than 30 days, I closed two transactions and I netted 1 point – a little bit over $1.2 million,” a testimonial by “Don B.” from New York stated.

Unfortunately, according to the FTC and Colorado Attorney General, this was far from the typical consumer experience.

Dalbey Education Institute, formerly known as America’s Note Network, has consistently been a subject of inquiries and complaints to the Better Business Bureau Serving Denver/Boulder. Though the BBB made several efforts to encourage the company to modify its advertising methods over the years, generally they remained a great concern to the organization. In February 2011, the BBB began a full review of the company’s infomercials, websites, direct-mail marketing and sales practices.

The company tried several times to become accredited by the BBB and was denied each time due to the BBB’s overall concerns with the company’s advertising and sales practices.

BBB June 2011 Hot Topics

6/2/2011

Posted on 6/2/2011 by

Here is a look at the latest scams and bad businesses in BBB’s June 2011 Hot Topics:

1. Disaster Donations – Those wanting to help tornado victims, beware of fake charities. BBB advises; don’t fall for urgent door-to-door pleas. Check out the charity first at bbb.org/charity. Also, be cautious when giving online, and don’t reply to email messages asking for money. These could be attempts to steal your identity. Contributors should also be cautious of claims that 100 percent of donations will assist relief victims –charities have fundraising and administrative costs.

2. Beware of Flood-Damaged Vehicles that could start appearing at auto auctions, used car dealerships, and in classified ads. Unsuspecting consumers, particularly those living in regions of the country unaffected by hurricanes or flooding, are led astray by fresh upholstery, new carpeting and bargain prices. To determine if a used car is flood-damaged, the BBB advises auto shoppers to thoroughly inspect the condition of the vehicle and check for discrepancies in the title. Those in the market for a used car can always check out the reliability of a dealer by visiting bbb.org.

3. They are sold to help consumers “save money on auto repairs.” But, consumers complain Vehicle Service Contracts/Extended Warranties are often a waste of money. Certain repairs are often excluded. BBB advises that consumers always read the contract carefully before agreeing to buy it by taking a close look at what is covered, what isn’t covered, what conditions apply, the overall cost and the names and locations of providers. If the seller won’t provide a contract, don’t buy it.

4. iPhone 5 Scams - Scams are popping up on social networking sites, claiming to expose the iPhone 5 for the first time. Apple is keeping details about the device secret. On Facebook, once an unknowing viewer clicks on the link and fills out a form, the website posts the same link on his or her wall for all of their followers to see. If a Facebook post seems fishy, don’t click on it. While many spam posts like this only link to a survey, there’s the possibility that they may be linked to malware-infested websites.

5. Veterans Scam – Lyon Research has an “F” Rating with the BBB. The company charges veterans for military records they could get for free from local Veterans Administration offices. Veterans say, when they visit the company’s website, it asks for credit card information and promises the requested information within seven days. Instead, a substantial charge is administered to the veteran’s credit card and no paperwork is sent. Always check out a company or offer at bbb.org before responding.

6. Beware of Alarm System Door-to-Door Sales. Some businesses can be pushy. Before you make a major purchase, check out the company first at bbb.org. Also, find out if the company is properly licensed in your state and if they screen employees before hiring. Get bids from at least three companies before selecting an installer. Be sure you compare similar systems on price.

7. Energy Scams are a great way for scam artists to cash in. Beware of door-to-door salespeople, unsolicited letters, or phone calls that promise to save energy and money on bills. Signing up for such offers can cause a monthly bill to skyrocket. Hidden charges could apply, due to switching service or cancellation fees.

8. Every year, consumers are victimized by Dishonest and Unlicensed Moving Companies. In 2010, BBB received more than 8,900 complaints against movers. Complaints primarily concerned damaged or lost goods and final prices in excess of original estimates. In some cases, the moving company holds the customer's belongings “hostage” and requires thousands of dollars to unload the van. BBB Tips: Get at least three written in-home estimates, be sure the company is licensed and insured, and check out the company first at bbb.org.

9. Beware of Door-to Door Magazine Sales. These conmen use high-pressure tactics on their victims. This year, BBB has received 662 complaints involving these scams. This summer, BBB recommends the following on how to handle magazine salesmen: listen carefully, be aware of high pressure sales tactics, stand strong, verify the individual and the company, and know your rights.

10. Be wary of “News” Announcements that seem legitimate, offering free trials for online diet pills, like acai berry. Consumers are being lured to websites that imitate reputable news organizations, such as CNN, NBC, or FOX News. The “reporters” claim acai berry weight loss supplements have caused major weight loss in a short period of time without diet or exercise. The websites are merely deceptive advertisements placed by third-party marketers, enticing consumers to buy the featured products. Before signing up for any free trial offer, consumers are warned to read the fine print carefully and always check the company out with BBB.

BBB Tips to Ensure Summer Fund Raiser Delivers on Its Promises

6/1/2011

Posted on 6/1/2011 by

’Tis the season for fun in the sun combined with a good cause. Charity golf tournaments, 5K runs/walks, and other outdoor fund raisers such as garage sales and ice cream socials now fill community calendars until the first frost hits the pumpkins in October.

Many participate because it’s fun and a good excuse to do something enjoyable; others participate only because friends or family have signed up to participate. But how much do you know about the organization or person for which the event is a benefit?

The BBB Wise Giving Alliance has a list of 20 standards that a charity must meet before it gets the BBB’s stamp of approval. These include how the charity is governed, how it manages its budget, how willing it is to disclose information to the public. You can check out national charities by going to bbb.org/us/Charity-Reviews/

If it’s a local charity, your BBB offers the following tips to donors:

•   If you are unfamiliar with the organization, don't hesitate to ask for written information about its programs and finances.

•   Don't succumb to pressure to give money on the spot. A charity that can use your money today will welcome it just as much tomorrow. Watch out for appeals that bring tears to your eyes, but tell you nothing about how your donation will be used.

•   Before making online donations, determine whether the charity’s website has a privacy policy concerning the use of your name, email address or other personal facts.

•   When considering supporting a cause-related marketing campaign, find the answers to these questions: What portion of the purchase price will benefit the charity? What is the duration of the campaign? What is the maximum or minimum total contribution? If the information is not on the item, check the organization’s website.

•   Before donating used items make sure they are in good shape to reuse. Donating junk puts an undue burden on the charity and does more harm than good. You may want to consider selling the item and donating the proceeds to a charity.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

The Lowdown on Dealing with Door-to-Door Sales

5/31/2011

Posted on 5/31/2011 by
The Green River Ordinance– which prohibits door-to-door sales – will no longer be enforced in Fort Collins as of June 10. Whether or not residents will see a flood of businesses going door to door to drum up business as a result is unknown.

Originating in Green River, Wyo., in 1931, the Green River Ordinance – enacted by many towns and cities nationwide – prohibits businesses from knocking on the door of your home or leaving door hangars to drum up business without your prior consent. In Fort Collins, it also meant nonprofit, religious and political organizations could not ring your door bell if you had a visible “no soliciting” or “no trespassing” sign.
Now more than ever you need to heed advice from the Better Business Bureau when it comes to what we call “door knockers.”

Before you do anything else, put that “no soliciting” or “no trespassing” sign in your yard and/or on your door if you don’t want businesses ringing your doorbell. It doesn’t always work (many door knockers will say they didn’t see it), but it should prevent many intrusions.
Be aware that businesses that go door to door tend to be from out-of-town, they frequently show up during the summer months, and they almost always follow damaging storms.

For example:
•   They knock on your door and offer to pave your driveway at a reduced price because they have materials leftover from a nearby job. But the thing is, you need to decide right then and there or the offer is off the table.
•   They knock on your door following a horrific hail storm offering to fix your roof and say they’ll knock a few dollars off if you put one of their signs in your yard. They will ask for an immediate answer and they might even ask for payment upfront.
•   They knock on your door to offer a “fresh” selection of meat and seafood with quality “guaranteed” to beat that of your favorite market. Can you trust the product?
•   They knock on your door selling magazine subscriptions or candy bars – all for a good cause, of course. But who are those kids?
If you do open your door to a business going door to door, remember to do your due diligence as you would for any other business. Don’t be rushed into a hasty decision. Check out the business with the BBB, make sure they have required business licenses and insurance, ask for references and call them – even visit completed jobs. Does the business have a local address and local phone number?

Consider it a red flag if you have to agree to a purchase or contract on the spot. Do not pay for a job upfront and don’t pay in cash. If the contractor or vendor skips town, he has your money and you have no way to get it back.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advice for Storm Disaster Relief

5/25/2011

Posted on 5/25/2011 by
Tornadoes are wreaking havoc nationwide – so far twice as many twisters as in all of 2010 – and most recently in Joplin, Mo., where thousands have lost their homes and all of their belongings. It is times such as these that many strive to do whatever they can to help.

To make sure that your donation helps the tornado victims as intended, follow these simple tips:

Find out if the charity has an on-the-ground presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly. See if the charity’s website clearly describes what the charity can do to address immediate needs.

Find out if the charity is providing direct aid or is raising money for other relief groups. Some charities raise money to pass along to relief organizations. If so, consider avoiding the middleman and instead give directly to organizations actually helping in the area.

Reconsider gifts of clothing, food or other in-kind donations. In-kind drives for food and clothing, while well intentioned, are usually not the quickest or most efficient way to help those in need. Ask charities or organizations collecting in-kind donations about its transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

Be cautious when giving online. At times like this, scam artists don’t think twice about tricking you into giving to phony charities. If you want to give to a charity involved in relief efforts, go directly to the charity’s website.

Rely on expert opinion when it comes to evaluating a charity. Visit bbb.org/charity to research charities and relief organizations and to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Be wary of claims that 100 percent of donations will assist relief victims. Charitable organizations have expenses they must cover, including those for fund raising and administrative costs – a even your credit card donation will involve, at a minimum, a processing fee.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit bbb.org/us for more information.

The BBB serving Northern Colorado and Wyoming topped 1.1 million instances of service to consumers in the past 12 months. These services include reliability reports on local companies and charities, access to companies that can be trusted by industry, help with dispute resolution, and trustworthy information on consumer and business topics.

Charge! How to Find the Right Business Credit Card

5/25/2011

Posted on 5/25/2011 by

By Pam King
Small business credit cards – which took a back seat during the recession – are on the way back, according to credit cards.com, and business owners are starting to see an increase in card offers coming their way. Many in the credit industry see this as a positive sign that the economy is on the uptick.

For small business owners – 83 percent use either a consumer or business credit card, according to the Federal Reserve – now is a good time to research how a business credit card can benefit your operations, or to re-evaluate existing business credit card plans to take advantage of best rates and current offers in the marketplace.

Why switch over to a business credit card if you’re using a consumer card? A business credit card often provides higher spending limits, can help build credit history for your company, provide you with short-term loans, offer discounts with vendors, and make expense reports a thing of the past. Because of the higher risk, however, business owners and employees will typically undergo credit checks.

Basically, there are two options for business credit cards: small business and corporate credit cards. The decision on which option to choose is based in large part on the size of your business and who is responsible for the debt.

As the names imply, a corporate credit card is for large businesses and corporations and the burden of debt typically falls on the corporation. A business credit card is intended for smaller businesses with sole proprietors and the burden of debt is on the owner. Unless your business is producing more than $2 million annually in gross income, a corporate credit card isn’t an option.

If you’re thinking of choosing and implementing a new business credit card approach, consider the following:

Do your research. Many banks and credit card companies – both local and national – are making various offers with perks that may fit nicely with your business needs. Offers run the gamut, so be choosy.

Don’t get burned by special offers. Pay specific attention to business credit card plans with introductory offers of 0% APR. While this may be a good option for an immediate, high-end purchase to support your business, you need to find out what the conditions for the APR are – under what conditions will it increase? And what are your options if it does?

Consider the rewards. Many cards offer perks for both you and your employees including discounts with preferred vendors and airlines, as well as rewards points.

Lay the ground rules. Make sure your employees know exactly what can and cannot be charged on the credit card. Some cards let you adjust the credit limit on individual employee cards as well as limit where the cards can be used. Make a point to the pay bill off monthly.

What about the Credit CARD Act? Business credit cards are exempt from the 2009 Credit CARD Act, which limits when consumer card issuers can increase interest rates and bans billing and payment practices that the Federal Reserve deems unfair or deceptive.

Pam King is president/CEO of the BBB serving Northern Colorado and Wyoming.

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

5/23/2011

Posted on 5/23/2011 by Luanne Kadlub
For years, the BBB has advised consumers to avoid purchasing gas-saving devices and products and instead use their hard-earned money to fill up their gas tanks.

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

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

When Customer Service is Absent

5/20/2011

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

Fed up, my friend is taking her business elsewhere.

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

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

How do you handle poor customer service?

Check Out Driving School before Going the Distance

5/18/2011

Posted on 5/18/2011 by
This was a big week at my house – and especially for my now-16-year-old son who is the happy owner of a driver’s license. That I no longer have to schlep him here and there (and just about everywhere) is bittersweet for me. I will miss trying to figure out the Mindbender Quiz with him on the way to school and work. And I’ll simply miss spending car time with him.

How we got to this point, however, was not without a lot of research, a few phone calls and some weighing of options. Colorado is among most states that now require teens to complete an approved driver education course before he or she is issued a permit.

In Colorado, young drivers can opt for a driving school where they’ll receive 30 hours of theory and six hours of actual driving instruction with another 44 hours of driving time under the auspices of a parent. Or, they can do the theory portion online or as home study and fulfill all 50 hours of the driving requirement with a parent.

All teens, however, must complete 50 hours of actual driving time – 40 hours during the day, 10 hours at night – before they can take their driver’s test at the Department of Motor Vehicles or from a certified driving instructor who provides that service.

Although getting behind the wheel is a rite of passage for most teens, it can only be achieved if the proper prep work is done.

When choosing a driving school for your soon-to-be teen driver, the Better Business Bureau urges both parents and students to make smart, informed decisions to avoid becoming a complaint statistic.

In the last two years, the BBB system has received more than 700 complaints about driving schools. Complaints range from instructors not keeping appointments to questionable sales practices.

When it’s time to check out driving instruction:

Ask around. Call several schools to find out about course schedules, fees and registration procedures. Neighbors and friends can be a great resource as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You should compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school. If feasible, ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind-the-wheel and classroom training. Do not assume that the fastest or least expensive course is the way to go.

Check the details. Find out if the school has a policy on make-up classes and refunds. And check out the school’s Business Review online at wynco.bbb.org, which will tell you if there have been complaints and if they were resolved.

What About a Car? When it comes time to go shopping for a car for your teen, be sure to check the dealer out first with the BBB, too!

Ready, Set, Go! BBB Travel Tips to Ensure a Safe and Timely Flight

5/18/2011

Posted on 5/18/2011 by

With summer just around the corner, consumers are busy planning vacation getaways. But while dreaming of island sun or coastal tours, many fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems.

With the burden and chaos that can come from a delayed or cancelled flight, it’s important to plan ahead and know your options.

Why? According to the U.S. Department of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

When booking flights this summer, the BBB and DOT advise travelers:

The early bird gets the flight. A departure early in the day is less likely to be delayed than a later flight, due in part to the ripple effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it’s canceled, you could get stuck overnight.

Know your rights. If your flight is canceled, most airlines will rebook you on its next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Compensation is required by law only when you are bumped from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Keep Contact Information Handy. Keep travel documents and important phone numbers – the airline’s 800 number, your travel agent’s number, even numbers of nearby hotels – within easy reach. Should your flight be delayed or canceled, you can start making calls immediately to rebook or to make alternative travel plans.

Secure your payment. Consider paying by credit card, which provides certain protections under federal credit regulations. For example, in all recent airline bankruptcies, passengers who charged their tickets but were not provided service received credit from their credit card companies.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by
(ARLINGTON, Va.) – Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau and the American Moving & Storage Association. Chief among them: Make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. The BBB received more than 8,900 complaints against movers in 2010 — a 5 percent increase over the previous year — primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

The BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration. A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Pam King, president and CEO of the BBB serving Nothern Colorado and Wyoming. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer that can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more upfront, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website; and the U.S. Department of Transportation's site. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

BBB Featured in The Hansen Files on "Dateline" this Sunday

5/13/2011

Posted on 5/13/2011 by
With the help of the Better Business Bureau, Chris Hansen and NBC's "Dateline's" hidden cameras uncover how easily a homeowner can end up spending hundreds, even thousands of dollars on unnecessary home repairs. The episode airs May 15.

This brazen scam — one that has thrived for more than a decade — cons thousands of homeowners out of millions of dollars. “It’s so important to shine a light on how common it is for homeowners to be taken by unethical service professionals who don’t honor their promises,” said Matthew Fehling, president and CEO of the Better Business Bureau serving Central, Northern and Western Arizona.

“When you’re looking to invest in a home project, it’s worth it to take your time and find a company you can trust. Keeping consumers educated and informed on these issues is our priority.”

Equipped with hidden cameras from top to bottom, watch as repairmen are put to the test to see if they can make a fix quickly, honestly and efficiently.

Follow @datelinenbc and @chrishansen for more on #TheHansenFiles and for a sneak peek, go to http://www.msnbc.msn.com/id/3032600/vp/43008066#43008066

Checking Out a Business the First Step to a Done Deal

5/13/2011

Posted on 5/13/2011 by Luanne Kadlub
Whether you’re buying a used car, remodeling or hiring a lawn service, you need to do your homework before signing on the dotted line. And you need to beware of signs that perhaps you should continue shopping.

Start by checking out the business with your Better Business Bureau. Our Business Reviews tell you how long the company has been in business, its location and contact information, owners and/or managers, if there have been complaints, and the company’s BBB rating.

But don’t stop there! Get names of references and call them to ask if they were pleased with the service or product provided. Ask if they worked well with the business and, if there were problems, what the contractor or company did to solve them. In the case of work done on a home or business, ask to see the completed work.

If the work is to be done at your home or office, find out if the contractor will be doing the work himself or if subcontractors are used, and if the latter, who they will be. Make sure the business has required business licenses and insurance.

All of this might sound like a lot of work, but the extra time it takes to do a thorough review of a contractor or business can save you from major headaches later on.

What additional steps do you take when checking out a business?

BBB Advice on Keeping Pesky Bed Bugs at Bay and out of Your Home

5/9/2011

Posted on 5/9/2011 by
Bed bug infestations have hit homes once again. These pesky little critters are not only latching onto beds, but to wallets as well. Some self-proclaimed bed bug eradicators visit homes with the intention to only take your money and not get rid of the bugs.

As a result, just this year alone, the BBB has received more than 375 complaints nationwide against pest control service companies.
The Federal Trade Commission and Better Business Bureau are advising consumers on ways to ultimately prevent bed bug infestations from stepping “foot” in your home.

Inspect, inspect, insect? If you recently purchased furniture from a secondhand store or flea market, make sure that your purchase doesn’t actually have fleas, or in this case, bed bugs, before bringing it into your home.

Take out the “hide” in hide-and-go-seek. Preventing bed bugs from hiding is important. Enclose mattresses and box springs only in covers labeled “allergen rated,” “for dust mites” or “for bed bugs.” Periodically check for rips or openings so that you can patch them securely. Look beyond the bed and repair cracks in plaster, loose wallpaper and loose light switch covers as well as caulk crevices, joints in baseboards and gaps on shelves or cabinets.

Don’t be a hitchhiker. When traveling, use luggage racks to hold your suitcases when packing and unpacking rather than setting them on the bed or floor. When staying in a hotel, check the mattress and headboard before getting into bed. Keep the critters from infesting your home by unpacking directly into a washing machine. Wash all items showing bed bug stains, and dry on the highest setting for at least 20 minutes. The heat from the dryer kills the bugs. Before relaxing, inspect and then vacuum your luggage. Empty the vacuum or seal and dispose of its bag outside of your home after each use.

For more tips on choosing a trustworthy pest controller or to learn more about keeping bed bugs out of your home, visit wynco.bbb.org, the FTC’s consumer alert ftc.gov/bcp/edu/pubs/consumer/alerts/alt194.shtm and the National Pesticide Information Center npic.orst.edu/pest.htm.

The Day PlayStation 3 Went Idle

5/9/2011

Posted on 5/9/2011 by
My son has become more social of late. I hadn’t given it much thought until he conceded it’s thanks to Sony. If you’re a gamer, you probably share in his pain. Somewhere between April 16 and 19 the Sony PlayStation Network and Qriocity, the music/video service, was hacked into big time resulting in 77 million account users worldwide with personal information at risk. This week it was revealed that 24.5 million account users of Sony Online Entertainment were put at risk as well.

With the Sony PSN down, my son can’t go online to play video games with his friends. Instead he’s been monitoring his account and related information to determine how concerned he should be about his personal information (hmm, maybe he has been paying attention to what his mom says about playing it safe online).

Monitoring online accounts is a good first step and one you should be taking as well.

Why? Because the hackers now know your name, address, phone number, user name, birth date, e-mail address and passwords. They might also know your credit card and/or debit card numbers.

Another step to take now to protect yourself is to change passwords on your other online accounts if they’re the same as your PSN password. You should also change your secret answers to security questions (What is your favorite hobby? What is the name of your first pet?).

If you used your credit or debit card on PSN or any other Sony networks, you should consider biting the bullet and cancel those cards. If you’re not sure which card you used (if you have more than one credit card, for example), search your e-mail account for messages from DoNotReply@ac.playstation.net.

The greatest threat to Sony account users, however, is the likelihood that phishing e-mails will start landing in your inbox – if they haven’t already. Phishing e-mails trick you into thinking they’re from a legitimate company or financial institution and they need to update personal and/or financial information. On its website, Sony states that it does not e-mail account users and the company doesn’t plan to start. If you receive e-mail claiming to be from Sony, delete it. If you get an e-mail requesting updates and you’re not sure if it’s legit or phony, contact the business using a phone number you have on a statement stored elsewhere.

Sony also noted on its website that it is increasing security to prevent future security strikes.

As for me, I’m hoping Sony takes its time getting back into the game – I kinda like hanging out with my son!

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Warns of Online Scams in the Wake of Osama’s Death

5/5/2011

Posted on 5/5/2011 by
Arlington, VA – In the aftermath of the death of Osama bin Laden, the Better Business Bureau is warning consumers to watch out for a slew of cyber-scams that have popped up as a result.

According to Kaspersky Labs, an Internet security firm, malicious websites and links have been proliferating on Google Images searches, Facebook and other social media sites.

On Facebook, a fake video purporting to show the death of bin Laden prompts users to input a malicious URL into their browsers, which could infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers and businesses should also be very wary of scams similar to the Nigerian Letter Scam circling around bin Laden's death. Although each letter may contain a slightly different appeal, the BBB is reporting that the latest letter purportedly is written by a "soldier" asking for assistance in transferring millions of excess dollars to a trustworthy U.S. citizen. To participate in the deal, the person must contact the soldier to solidify the partnership and arrange pickup of the money.

Usually with this type of scam, the victim is asked to provide their bank account number and the name, address, phone and fax numbers of their bank. Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.

The BBB advises consumers to:

Think before you click. Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

Don’t fall for the not-so-free “free” offer. Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or website you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

Spread the word. Discuss such scams with all the members of your family who have access to the Internet. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Know the red flags. Watch out for grammatical mistakes in e-mails, letters and on websites. Poor grammar or misspelled words are red flags that the e-mail or website is probably a scam. Most importantly, never wire money based on instructions. Scammers prey on those who think they need to wire money to have a situation resolved.

Check with the BBB. The BBB advises anyone receiving such a letter not to respond. Instead, send the letter to your local BBB or to the U.S. Secret Service, which is currently investigating the scam.

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

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Bed Bugs Check Out Books, Too!

5/3/2011

Posted on 5/3/2011 by Luanne Kadlub
Bed bugs and books. A scary combination. I never gave it a thought until one night I turned a page in a used book and out came three bugs. Again, didn’t give it much thought – they were petrified, after all – until I couldn’t get the image of the bugs out of my head.

A late-night check on the computer confirmed my worst fears: bed bugs.
Books and bed bugs, it seems, are not that uncommon. A couple years ago the Denver Public Library had to quarantine a section of historic books contaminated by a library patron and ended up destroying many of those books. Similar scenarios take place at libraries nationwide.

So how did the bed bugs get into the book I was reading? They could have come from a reader whose home was infested or the previous reader may have taken the book on vacation and the little critters decided to do some traveling themselves.

Some avid readers now eschew print books altogether for electronic readers. But if you are among those who will continue to buy used books online and at garage sales, you might want to take precautions. Start by buying your books from a dealer you can trust, such as BBB Accredited Businesses.

If you want to take an extra level of precaution, the online community offers numerous suggestions, including putting the book in a sealed plastic bag and putting it in your freezer for 14 days or giving the book (again, encased in a plastic bag) a shot of hot air from your hair dryer. No guarantees this will work, however.

I’m not ready to give up on inexpensive used books, but I will give them thorough inspections before taking them inside. And I'll keep my fingers crossed.

Have you had an unexpected encounter with a bed bug while reading?

Foreclosure Scams Continue to Target Homeowners

4/27/2011

Posted on 4/27/2011 by

Homeowners facing mortgage foreclosure continue to be scammed by foreclosure “rescue” companies promising to save their houses but instead only take their money. The Better Business Bureau warns that more people could fall prey to mortgage foreclosure scams in coming months.

BBBs nationwide have received hundreds of complaints from homeowners who enlisted the help of unscrupulous mortgage foreclosure rescue companies and they all tell a similar story.

Typically, homeowners report that they were either contacted directly by a mortgage foreclosure rescue company or came across a website while searching for help to stop foreclosure on their homes. The companies claimed they would renegotiate the terms of their mortgages and stop foreclosure actions, or the homeowners would get their money back. Victims, who were desperate to keep their homes, paid as much as $1,300.

In the end, the companies did very little work or often nothing at all. Most victims not only lost their homes, but they did not get promised refunds.

The BBB offers the following advice for homeowners facing mortgage foreclosure:

• Contact your BBB or go to wynco.bbb.org to request a free Business Review before paying any “rescue” company. You can also check the business out with your state Attorney General and state Real Estate Commission.

• Beware of the personal approach. Some less-than-ethical businesses will stuff a handwritten note in your front door or mailbox that implies that “help” is available from someone who has your best interests in mind.

• Talk to your lender. The first thing you should do is talk to your mortgage company about how to restructure your loan payment or refinance.

• Never sign a contract under pressure and never sign away ownership of your property. Ask a trusted family member, your attorney or a financial professional to review any paperwork you may be asked to sign.
• If you feel you have been taken advantage of by an unethical mortgage foreclosure “rescue” company, file a complaint with your BBB at wynco.bbb.org.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

U.S. Senate Addresses Consumer Privacy

4/27/2011

Posted on 4/27/2011 by
This past month, The U.S. Senate Committee on Commerce, Science, and Transportation held a hearing to consider online consumer privacy issues, particularly as it relates to the use of behavioral targeting by online advertisers. There currently are a number of legislative and regulatory proposals to address these issues. According to bill sponsors, these proposals attempt to find a balance between the protection of consumer privacy and the free flow of information and commerce on the Internet. The BBB, through its National Advertising Review Council (NARC) is in the center of the debate offering reasonable self-regulatory alternatives to governmental involvement in advertising issues. Virtually all of the speakers at the hearing talked about the importance of retaining consumer trust in Internet commerce.

Sen. John Kerry (D-MA) expressed concern regarding, what he called, “the increasing opportunity to merge offline and online information to create highly-detailed consumer profiles. FTC Chairman Jon Leibowitz focused his remarks on a “Do Not Track” plan, which he said would build consumer trust and encourage business innovation.

John Montgomery, speaking for the Digital Advertising Alliance, discussed the advertising industry’s self-regulatory program. The program employs a clickable icon that appears over online advertisements, and allows consumers to both view the information being collected and opt-out of further collection. Mr. Montgomery noted ongoing efforts to build further industry support for the icon program. During the first panel, Chairman Leibowitz questioned whether such a solution goes far enough in giving meaningful choice to consumers, but he described the program as "promising."

As long-time champions of Trust in the Marketplace, the CBBB in cooperation with NARC will continue to work to find reasonable solutions to privacy issues and online behavioral advertising.

U.S. Senate Addresses Consumer Privacy

4/27/2011

Posted on 4/27/2011 by
This past month, the U.S. Senate Committee on Commerce, Science and Transportation held a hearing to consider online consumer privacy issues, particularly as it relates to the use of behavioral targeting by online advertisers.

Currently there are a number of legislative and regulatory proposals to address these issues. According to bill sponsors, these proposals attempt to find a balance between the protection of consumer privacy and the free flow of information and commerce on the Internet.

The BBB, through its National Advertising Review Council, is in the center of the debate offering reasonable self-regulatory alternatives to governmental involvement in advertising issues. Virtually all of the speakers at the hearing talked about the importance of retaining consumer trust in Internet commerce.

Sen. John Kerry (D-MA) expressed concern regarding, what he called, “the increasing opportunity to merge offline and online information to create highly-detailed consumer profiles. FTC Chairman Jon Leibowitz focused his remarks on a “Do Not Track” plan, which he said would build consumer trust and encourage business innovation.

John Montgomery, speaking for the Digital Advertising Alliance, discussed the advertising industry’s self-regulatory program. The program employs a clickable icon that appears over online advertisements, and allows consumers to both view the information being collected and opt-out of further collection. Montgomery noted ongoing efforts to build further industry support for the icon program.

During the first panel, chairman Leibowitz questioned whether such a solution goes far enough in giving meaningful choice to consumers, but he described the program as "promising."

As long-time champions of Trust in the Marketplace, the CBBB in cooperation with NARC will continue to work to find reasonable solutions to privacy issues and online behavioral advertising.

Taking the Mystery Out of Shopping Scams

4/22/2011

Posted on 4/22/2011 by Luanne Kadlub
I’ve always thought it would be fun to be a mystery shopper after a colleague some time back told me how he earned a fair amount of extra change – with travel included! – doing just that.

So when I got the e-mail from careerbuilder.com, I thought this could be my opportunity. I began fantasizing about visiting restaurants in San Antonio, shopping at boutiques in Denver, maybe even posing as an unhappy customer at a dry cleaner in a small community.

And then I read the attached job offer. Darn it. All of the classic elements of a scam were in place: the URL did not match careerbuilder’s, which is a clear signal that the scam artist “borrowed” the name.

Also, the attached job form was rife with misspellings and grammatical errors, and the instructions were a real head scratcher. To wit: Once you click ,,continue,, you will be redirected to www.google.com and your application will be saved in our systems.

Although legitimate mystery shopping opportunities exist, such as those my friend was paid for, the BBB warns that offers that come unsolicited via e-mail are usually scams designed to get your personal information, and sometimes your money.

What kind of experiences have you had as a mystery shopper?

BBB/FRCC Award Inaugural Floral Design Scholarships

4/22/2011

Posted on 4/22/2011 by
Anna Hobbs and Eleanore Trupkiewicz, both of Fort Collins, are recipients of the inaugural BBB/Front Range Community College Floral Design Scholarship, which was awarded April 21 at the 13th annual Better Business Bureau Torch Awards for Business Ethics in Loveland. Both received $500 scholarships to continue their education in floral design at the Larimer Campus of Front Range.

Hobbs, who until recently was lead interior designer at Hewlett-Packard, will graduate from FRCC in 2012. She and a fellow student will open Avenue Blooms, a floral events business, this summer.

Trupkiewicz is working on a bachelor’s in writing and literature at Southern New Hampshire University and will also graduate from FRCC in 2012 and plans to become a technical writer in the floral industry.

The new BBB/FRCC scholarship program is designed to provide floral design students with real-world experience of planning, pricing, developing and executing arrangements for a major event, in this case the BBB Torch Awards for Business Ethics. Teams of students came up with six possible floral designs and the BBB chose two that adorned tables at the April 21 event in Loveland.

Start With Trust. For more reliable business advice, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Berthoud Student Wins BBB/Rotary Ethics Scholarship

4/22/2011

Posted on 4/22/2011 by
Lauren Sawinska, a senior at Berthoud High School, is the 2011 recipient of the BBB/Rotary $5,000 Business Ethics Scholarship presented by the Better Business Bureau and Rotary Districts 5440, 5450 and 5470 at the April 21 BBB Torch Awards for Business Ethics. The scholarship is funded by the BBB Foundation.

Sawinksa, daughter of James and Anne Sawinska, was chosen from applicants from Northern Colorado and Wyoming who wrote essays based on Rotary’s Four-Way Test: Is it the truth? Is it fair to all concerned? Will it build goodwill and better friendships? Will it be beneficial?

Her essay, titled “The Past Two Years,” looked back at her experiences with the Berthoud Tutoring Program, the young girl she tutored, and her efforts to keep the program thriving in the community.

Lauren will graduate this spring with a 4.1 GPA from Berthoud High School, where she has been involved in forensics speech and debate, National Honor Society, the Student Community Involvement Team, Go MAD (Make a Difference Club), spring plays, softball and the Berthoud High School Scholarship and Endowment Committee, which she chaired for two years. She has worked as an office aide all four years of high school.

Lauren has made a difference in her community as well. She volunteers at the library, her church and Habitat for Humanity Thrift store, and participates in canned food drives and various fund raisers.

Start With Trust. For trustworthy business and consumer information or more information about the BBB Torch Awards program, go to wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Honors 5 Businesses with Torch Awards

4/22/2011

Posted on 4/22/2011 by
Five businesses from Northern Colorado and Wyoming received BBB Torch Awards for Business Ethics at the Better Business Bureau 13th annual Torch Awards in Loveland on April 21.

Torch Award recipients are Niemann & Sons Music, 1-10 employees, Cheyenne; HighCraft Builders Inc., 11-25 employees, Fort Collins; Drahota, 26-99 employees, Fort Collins; Walker Manufacturing, 100-plus employees, Fort Collins; and Trihydro, 100-plus employees, Laramie.

BBB Torch Awards recognize businesses that demonstrate exemplary business ethics, uphold high standards in relationships with customers, suppliers and shareholders, show honesty and integrity in marketing and advertising, and give back to their communities.

Peers, colleagues and customers nominate businesses for the award and business students at the University of Northern Colorado, Colorado State University and the University of Wyoming prepare entries. An independent panel of judges selected the winners.

The Recipients
Niemann & Sons Music is a small-town music store in Cheyenne that serves customers throughout Wyoming, Colorado and western Nebraska. Owner David Nieman is involved in Kiwanis and has held all offices, and he has played organ for his church for 45 years and for chaplains at Warren air Force Base for 15 years.

HighCraft Builders, co-owned by Dwight Sailer and Bryan Soth, strives “To bring our customers peace of mind before, during and after the remodeling process.” The Fort Collins-based business has received recognition from a host of professional organizations and publications, including Professional Remodeler, Hanley Wood Remodeling and Qualified Remodeler magazines.

Drahota, a commercial contractor headquartered in Fort Collins with offices in Denver and Steamboat Springs, was one of the first contractors in Colorado to join the Colorado Carbon Fund and is also a member of Fort Collins Climate Wise. Drahota recycles all e-trash and saves $68,000 annually by reducing paper use.

Walker Manufacturing, headquartered in Fort Collins, focuses on designing, developing and producing mid-size commercial-grade mowers and attachments. The company has 46 distributors throughout the world. The company celebrated production of its 100,000 mower in 2008.

Trihydro began as a two-person environmental firm in Laramie and now has 270 employees and 13 offices nationwide. The company was named one of America’s Safest Companies in 2009 by The Magazine for Environment, Health and Safety Leaders and was ranked 139th of the top 200 environmental firms in the U.S. by Engineering News Record.

BBB Tips on Shopping for a Used Vehicle

4/20/2011

Posted on 4/20/2011 by
If you’ve received a tax refund – or are expecting one any day now – you might be in the market to buy a used vehicle. Or maybe you need a vehicle that gets more than 14 mpg for the work-day commute. Or it’s even possible that your almost 16-year-old son or daughter has convinced you that your life will become so much easier if only they had a car of their own.

Whatever the reasons, you’ll want to do your research before making an offer on a used vehicle. Where to start? Your BBB suggests the following:
View the dealer’s BBB Business Review. This will give you information about the length of time they have been in business, their history of complaints and complaint resolution, and any past advertising concerns.

Consider shopping for vehicles that are still under the original manufacturer's warranty. Most vehicles have at least a three-year or 36,000 mile basic warranty coverage, and often longer "power train" coverage on the engine and transmission. This means if you buy a car that is less than three years old, you may get at least a year or so of free maintenance. Just be sure to confirm the details of the warranty and whether it is fully transferable.

Consider a certified, pre-owned vehicle. These are vehicles that typically have been given multipoint inspections before being put on the lot. These programs are backed by many automakers and the vehicles may include an extended warranty on major parts such as the engine and transmission at no cost.

Do a background check on the vehicle. For a small fee, you can use a service such as CARFAX to find the vehicle service and history report. Write down the vehicle identification number to check for accident reports, previous owners and why the vehicle was taken to repair shops in the past. You can also check if certain items on the vehicle have ever been recalled.

Test drive and inspect the vehicle. The dealer or individual seller should have nothing to hide. If they do not allow you to test drive the vehicle or allow a third-party mechanic to look it over, do not buy it.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips if You're Considering a Vacation Timeshare

4/15/2011

Posted on 4/15/2011 by
Who doesn’t dream of a vacation home on the beach or near the ski lifts – maybe even in an international setting?

You might have even considered buying a vacation timeshare. The problem: While some of the big expenses of owning another property are eliminated, it’s still not as easy as renting a hotel.

Timeshares often include mortgage payments and such expenses as property taxes, maintenance fees and travel expenditures. The BBB suggests taking these tips into consideration before buying or selling 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 wynco.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 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 U.S., they do not have the same obligations, and you will not be protected under U.S. law.

Ready to resell your timeshare? Do your due diligence before hiring a timeshare reseller. Find out where the company is located and in which states it does business. Ask if the salespeople are licensed to sell real estate where your timeshare is located. If so, verify this with the state licensing board. You’ll also want to know if the company charges a commission, if it handles the entire closing and provides escrow services. Do they charge an upfront fee? If so, consider that a red flag.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Schools Across U.S. Complain on Denton-based Direct Business Products

4/12/2011

Posted on 4/12/2011 by

Elementary schools across the country are complaining to the Better Business Bureau about misleading sales practices by telemarketers offering school supplies from Direct Business Products of Denton, Texas. Schools from Maine to Arizona complain that telemarketers falsely claim that the company is offering bargains because it’s going out of business or that a school official has OK’d the offer. Complaints also allege that merchandise isn’t the quality that was promised; that unordered merchandise is sent; or that orders are incomplete.

Direct Business Products has been the subject of 36 complaints to the BBB in the last 36 months, the BBB’s standard reporting period. Although the business responds to complaints and offers explanations and adjustments, not all complaints are resolved. The business has a BBB rating of F, due in part to the total number of complaints and the 4 unresolved complaints.

In Virginia, one school worker complained that a caller from Direct Business Products said “they were going out of business and selling office products at wholesale. When I asked for prices they would not provide any price. Our school was sent nine boxes of products that I did not request. We are willing to send these nine boxes back to the company at their expense. They will not accept this.” The BBB sent the complaint to the business, and Direct Business Products declined to pay for the return. The complaint was closed as unresolved.

In another case, a school employee in South Carolina complained, “I received a phone call from Direct Business Products stating that she had talked with our financial director at our district office and that she had given permission to call all the district bookkeepers. This is a false statement. She went on to say that the company was going out of business and needed to liquidate so they were offering us office supplies at cost. The invoice I received was for $3,868.56. Another co-worker and I double counted everything and sent it back … they are now harassing me about not sending merchandise back and are sending me bills via mail, fax and harassing phone calls.” Direct Business products said 5 boxes were returned but one box wasn’t, for a balance due of $340.56. The complaint was closed as unresolved.

The BBB offers these tips for schools and small business owners to protect their business from paying for unsolicited or unordered goods and services:

Train your staff. Advise employees who are not authorized to order supplies and services to refer any such sales people to the purchasing department.

Get it in writing. The purchasing department should be instructed not to respond verbally to unsolicited phone offers for office supplies. Require that all sales pitches be made in writing.

Check out unknown sellers. Do not deal with unknown sellers without first verifying the reliability and complaint history of the seller’s business with the BBB. To check out a business or find BBB Accredited Businesses, start at bbb.org.

Establish a system. Institute strict purchasing and accounting controls. Every purchase should be documented by issuing a purchase order to the supplier with an authorized signature and a purchase order number. The handling of invoices, etc. should be centralized and authorization closely checked.

Know your vendors. Keep a list of regularly used vendors. This will help to protect your business against schemers who claim that your company previously used their services.

Online Teeth Whitener Trials Are Nothing to Smile About

4/12/2011

Posted on 4/12/2011 by

The Better Business Bureau warns consumers to be wary of pervasive online ads offering the promise of a whiter, brighter smile. Several online merchants offer free trials or enrollment programs to sell teeth whitening products but when consumers feel misled and have difficulty getting refunds, they turn to the BBB for help.

Two Colorado Internet companies that sell teeth whiteners are the subject of many BBB complaints, one of which – Ivory White – has seen a recent spike in complaints. Ivory White, based in Boulder has an F-rating with the BBB for many reasons including an ongoing pattern of complaints regarding advertising, billing and product issues. Consumers often allege that they follow the terms advertised for returns but they get billed anyway and cannot get a refund from the company.

The BBB has received 874 complaints about Ivory White in the last three years. The company does the majority of its advertising through pop-ups on third-party Web sites, including social media networks.

Another company with related consumer issues is Broomfield-based, Bella Brite. This company also has an F-rating with the BBB for a pattern of complaints surrounding many of the same types of issues as Ivory White. The BBB has received 166 complaints about this company in the last three years.

The BBB offers the following advice to consumers on purchasing teeth whitening products online:

• Always read the fine print. Many websites offering a free trial of a teeth whitening product do not clearly disclose the billing terms and conditions. Before giving the company any credit or debit card information, review the Web site fully and be aware that free trials typically result in repeated billing.

• Check the company out with your BBB first. Before signing up for any free trial, check the company’s BBB Business Review online at wynco.bbb.org to see if the BBB has identified issues with the company.

• Beware of pop-ups. Be extremely cautious of any pop-up ad that offers “free” samples for products in exchange for a survey or free prizes in exchange for trying products. Ivory White complainants said they were lured in with free iPads and Southwest Airline vouchers, which they allegedly never received.

• File a complaint with your BBB if you feel you’ve been ripped off. Consumers who feel they are being deceived by a business selling teeth whitening products online can file a complaint with the BBB at wynco.bbb.org.

Free Trial Offers for E-Cigarettes Leave Consumers Smoking Mad

4/12/2011

Posted on 4/12/2011 by
Consumers who tried to take advantage of “free” Internet offers for smokeless cigarettes say they were burned by unexpected charges that totaled $100 or more, the Better Business Bureau warns.

Customers from 44 states – including Colorado – have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. The company has failed to answer 170 of those complaints, thus resulting in an “F” grade with the BBB, the lowest grade possible.

Consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more.

On its website, Direct E-Cig calls its product “a revolutionary electronic smoking device designed as a great smoking alternative to traditional tobacco cigarettes.” The site says smokers can smoke “virtually anywhere, without the flame, ash, tar or carbon monoxide.”

Direct E-Cig is among several distributors of smokeless cigarettes. Other companies also offer free or discounted starter kits and then bill customers for the full price or enroll them in an ongoing program to receive cartridge refills and other products.

In response to some of the complaints, Direct E-Cig told the BBB its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct e-mail solicitations from the company and never saw the cancellation policy.

Even if consumers are dissatisfied with the product and follow the return policy exactly, the so-called free trial offer often will end up costing money. The website notes that Direct E-Cig charges $7.50 for each opened or missing cartridge and a $10 restocking fee on all returns.

A warning in small print on the Direct E-Cig website notes that “This product contains nicotine, a highly addictive substance. It has not been approved by the FDA as a smoke cessation device.”

The U.S. Food and Drug Administration has warned consumers about potential health risks associated with electronic cigarettes, including increased nicotine addiction.

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Wildfires, Tornadoes, Floods & Tsunamis. Oh My! Are You Ready?

4/11/2011

Posted on 4/11/2011 by
What would you take if you only had 10 minutes or less to evacuate your home? Photo albums, passports and important papers were among items taken by homeowners as they fled threatening flames of the Crystal wildfire west of Fort Collins. And family pets, even livestock had to be shuttled to safer ground.

Homeowners and business owner needs to be prepared for the worst, be it wildfires in Colorado’s foothills, tornadoes tearing through eastern Colorado or floods resulting from torrential rainstorms – even tsunamis in Japan.

Just because you may not live in the foothills or have a second home in Japan does not mean disaster won’t strike. Tornadoes, torrential rainstorms and highway-closing blizzards routinely cross through Colorado. Grass fires, faulty wiring and frozen pipes can be disasters-in-the-making as well.

Chances that you will need to evacuate or leave your home because of some sort of disaster – man-made or weather-related – are slim. But happens. Are you ready?

Preparation is key. Start with an emergency kit that includes one gallon of water per person per day for three days along with a three-day supply of nonperishable food for each family member. Along with this have ready a flashlight with extra batters, a first-aid kit, a whistle to signal for help, dust mask, a wrench or pliers to turn off utilities, and of course, your cell phone with an inverter or solar charger.

Depending on your family’s needs, you might want to include prescriptions, infant formula and diapers, pet food and cash. Place copies of important family documents such as insurance policies, identification and financial records in a waterproof, portable container. Pencil and paper, paper cups and plates along with plastic utensils could be useful. And if you have kids, pack some games, books or puzzles.

Know in advance where and you and your pets and/or livestock can go and who to contact in the case of an emergency. An out-of-town friend or relative is ideal as an emergency contact person, especially in instances when family members are at several locations – school, work, traveling – and normal communication channels are down. Make sure everyone in the family knows how to send and receive text messages. Consider downloading smart phone apps that provide emergency information.

Need more tips? Check out ready.gov for emergency planning strategies for both home and business.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips for Safe Surfing at Wi-Fi Hotspots

4/6/2011

Posted on 4/6/2011 by
Using Wi-Fi networks – popping up nearly everywhere – makes staying connected easy. However, many consumers don’t understand the dangers – such as losing your personal identity – that come with using a Wi-Fi connection.

Wi-Fi hotpots such as coffee shops, libraries, airports, hotels and universities are breeding grounds for hackers. And according to the Federal Trade Commission, new hacking tools available free online make hacking easy, even for users with limited technical know-how.

The BBB and FTC urge consumers to use caution before connecting to nonsecure wireless networks via computer or smart phone and before sending personal information via unencrypted websites. Phishing and smishing scams – e-mails and text messages requesting personal and financial information – grow exponentially when hackers obtain access to personal information on the Web via an unsecure Wi-Fi network.

In order to confirm that an Internet connection is secure, the BBB advises consumers to follow the FTC’s top Wi-Fi tips:

• Make sure the connection is protected by a unique password. If a Wi-Fi hotspot doesn’t ask for a password, the Internet connection is not secure. If a hotspot asks for a password just to grant access, proceed as if the connection were unsecured. Wi-Fi hotspot connections with generic passwords are vulnerable to hackers.

• Transmitted information should be encrypted. When sending personal information such as addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

• Don’t stay permanently logged-in to wireless hotspots. Never leave your Internet connection running while your computer is unattended and log-off after every use.

• Change passwords frequently. Do not use the same password for different sites. If one password is hacked, the chances of other accounts being hacked becomes greater with repeated passwords.

For more advice on security scams, visit bbb.org or to learn more about protecting your privacy online and what to do if your information is compromised, visit OnGuardOnline.gov and ftc.

Businesses, Nonprofits Deluge BBB With Calls About Deceptive Mailing

4/6/2011

Posted on 4/6/2011 by
Businesses and nonprofits from throughout Northern Colorado are contacting the Better Business Bureau about a solicitation issued by “Corporate Controllers Unit” that offers to process periodic reports with the Secretary of State’s office for a $225 fee.

“Our BBB has been inundated with calls and e-mails from business owners and nonprofits regarding the authenticity of this letter,” said Shelley Glause, BBB investigator. “Many were ready to pay the $225 filing fee until we explained that they can file periodic reports themselves and in most cases the fee is just $10.”
The official-looking document was sent to businesses and nonprofits statewide. On April 4, the Secretary of State issued its own alert regarding the mass mailing and urged entities to deal directly with the state by going online at sos.state.co.us.

The BBB encourages businesses and nonprofits to exercise caution and read the fine print when receiving any communications that appear to be official state business.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Data Breach Could Spell Trouble for Consumers

4/4/2011

Posted on 4/4/2011 by

Until this weekend, Epsilon wasn’t exactly a household name. But now that the marketing giant firm has notified its high-profile customers that it was the victim of a data breach, Web results and social media trends about the company are growing by the minute.

If your bank, credit card lender or favorite retailer is an Epsilon customer, you need to keep an eye on your e-mail and a tight grip on your personal information. The same goes for parents and students signed-up with The College Board for prep tests and help with their college search.

“According to the notifications BBB received, only names and email addresses were compromised by the hack. Reports indicate that personal and financial information on file with Epsilon were not accessed,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “However, it is very likely that information obtained during the breach could be used in phishing attacks designed to scare customers into divulging personal and financial information.

While the BBB has received notices from Best Buy, Chase, BJ's and The College Board, it has not been able to confirm exactly how many consumers are at risk. But the attack certainly has the potential of impacting a huge number of consumers. On its Web site, Epsilon states, “We are the world’s largest permission-based e-mail marketing provider, sending over 40 billion emails annually.” In a press release, Reuters claimed this “…could be one of the biggest such breaches in U.S. history…”

BBB Tips to Avoid Phishing

Beware of any e-mail asking for personal, financial or account information. Legitimate companies you rely on for your online shopping, financial needs and college tests will not request this information – they already have it.

Do not open any attachments. Attachments may contain malicious code that will infect your computer.

Do not click on any links. If you want to communicate with the business use your favorite search engine to find their Web site and/or contact information. Do not trust the information provided in the email.

Never provide your User ID or password in an e-mail.

Watch for strange e-mails from family/friends. Hackers sometimes use stolen information to pose as someone in your address book.

Make sure your computer’s spyware, spam filter and virus protection are up to date.

Report suspicious emails to www.ic3.gov and your BBB.

At this time, the following organizations’ customer records have been reportedly compromised by the Epsilon data breach:

BJ’s
Barclays Bank of Delaware
Best Buy
Brookstone
Capital One
Chase
Citi
Disney Destinations
Home Shopping Network
JPMorgan Chase
Kroger
LL Bean
Marriott Rewards
McKinsey & Company
New York & Company
Ritz-Carlton Rewards
The College Board
TiVo
US Bank
Walgreens

BBB Advice for Dealing with Seasonal Door Knockers

4/1/2011

Posted on 4/1/2011 by
Spring is here and the door knockers have sprung.

Door knockers? They’re contractors who knock on your door to offer you a deal of a lifetime whether it’s to roof your house or pave your driveway. A good spring storm – tornado, wind, even rain – brings them out like earthworms on a sidewalk.

They come from several counties over, often out of state. They probably drive late-model pickups and dress nicely, so when they’re called “Gypsies,” “travelers” and “transients,” they don’t always fit the profile.

What’s the harm in hiring a traveling contractor? Plain and simple: You don’t know what you’re getting because you didn’t take time to research the business to see if there are complaints and, if so, what kind. Nor do you know if other homeowners have been satisfied with the contractor’s work.

The Better Business Bureau also warns that materials and workmanship are often circumspect when dealing with traveling contractors. They might tell you they have asphalt leftover from a job down the street or leftover fence materials at bargain prices. Some will entice you with promises of steep discounts if you allow them to put their sign in your front yard.

Some homeowners get lucky and the job is done well, but many more homeowners are left with a leaky roof, wobbly fence or no finished work at all.

The Better Business Bureau advises:

•   Don’t be rushed in making a decision to hire a contractor. Take time to ensure the business is local and has a track record of reliable workmanship. Visit wynco.bbb.org and click “Check Out a Business or Charity” to read the BBB Business Review, which includes the company’s BBB rating (A+ plus to F) along with the complaint history and company contact information. The BBB maintains a database of 4 million businesses nationwide – both BBB Accredited Businesses and those that are not.

•   Don’t just ask for references, call them! Ask if the job was performed as agreed upon and if they were satisfied with results.

•   Check to see if the contractor has all required licenses and insurance.

•   Ask for a written contract and read it to ensure everything that was discussed is included. Make sure it includes all details of the job.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Promote Your Company’s Greener Side

3/29/2011

Posted on 3/29/2011 by

As the market for green products and services increases, your business may be looking to get a reputational boost from your dedication to the environment. To avoid exaggerating your company’s impact, the Better Business Bureau recommends sticking to the FTC Guidelines for Environmental Marketing Claims.

Companies interested in becoming green soon discover there are many different shades and hues of being green. Some businesses strive to manufacture products that are better for the environment, while others take steps to be green in daily operations by recycling, using carbon offsets and saving energy.

“Being more environmentally friendly makes good business sense,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “It could also enhance ‘s bottom line as consumers increasingly look for products and services that won’t be as harmful to the environment.”

The BBB offers the following advice on promoting your business’ greener side:

Tell the truth. Few things destroy a company’s credibility with consumers faster than false advertising; regardless, some advertisers sometimes stretch the truth when it comes to talking up the ecofriendly qualities of products. When bragging about the shade of your green, as with any advertising or marketing claims, always tell the truth.

Make concrete claims. An honest advertiser will not make vague statements such as “environmentally friendly” or “sustainable” without qualification and solid examples to back up the claims. If your packaging is made from recycled paper, then say so. If your company has reduced energy costs, brag about it! However, make sure your claims abide by the FTC’s Green Guidelines. Making fuzzy claims can get you into trouble.
Provide evidence. Consider creative ways of quantifying your company’s impact such as: How many hours have your employees volunteered? Who has benefited and how have they benefited from your firm’s efforts. How are your products better for the environment?

Get a stamp of approval. While there is no universal “Good Housekeeping Seal of Approval” for green products or companies, there are independent third-party organizations that will certify your environmentally friendly statements. Research any third-party carefully before seeking certification through its program. Avoid making claims about certification or seals that might be considered exaggerated or overly broad. The FTC recommends that all claims should be accompanied by clear and prominent qualifying language that can back up the environmental seal.

Get expert help. As a result of the green-frenzy that has taken over the country, many new boutique marketing and advertising firms now specialize in branding companies as environmentally friendly and socially responsible. Getting outside PR help can be expensive. However, the rewards could be substantial in terms of revenue, reputation and goodwill.

For more reliable advice on best business practices and advertising guidelines for your business, as well as other ways to make your business more socially conscious, go to bbb.org/us/Business-Resources/ or check out ftc.gov/bcp/grnrule/guides980427.htm to see the full list of FTC Environmental Marketing Claims Guidelines.

Start With Trust. For trustworthy business tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Beware of Calls from Grandkids in Distress - They Could be Impostors!

3/28/2011

Posted on 3/28/2011 by

“Hi Grandma. I’m in London and I’m I trouble. I need $2,500 so I can come home. Can you wire me the money? And please don’t tell Mom and Dad.”

Sound familiar? If you’re a grandparent, you may have received one of these calls or know someone who has. Although the script changes with the times, the basic premise – relative/friend, foreign country, in trouble, wire money – stays the same.

If there is a difference, it’s in the sophistication of the setup. One Weld County grandmother received such a call purportedly from her grandson serving in Afghanistan. She raced to her bank and withdrew funds and was about to wire the money when she was intercepted by her daughter who told her to stop what she was doing until she could check with her son to see if indeed he was in trouble.

“He was fine,” she said. “He didn’t call his grandmother.” But, she wonders, how did the scam artist know he was in Afghanistan? And who his grandmother was? Though the answer is unknown, some experts suspect the information is sometimes gleaned from social media sites.

But grandparent scams work because, let’s face it, we don’t want to see our loved ones in trouble.

This impostor scam also shows up on Facebook and other social network sites. In these instances, accounts are hacked and urgent pleas requesting money be wired to a foreign location where the account-holder is supposedly in dire straits are sent to all friends associated with the account.

Scams by impostors are the second most common scams reported in Colorado and sixth nationwide, according to the Federal Trade Commission’s 2011 Consumer Sentinel Network Report.

To prevent becoming another statistic, the BBB in partnership with the FTC advises:

• Try to verify the caller’s identity by asking personal questions a stranger couldn’t answer.

• Resist the pressure to act immediately; don’t be afraid to call back by using a phone number you know to be genuine. If you don’t have the relative’s phone number, get in touch with the person’s parent, spouse or another close relative to check out the story before sending money – even if you’ve been told to keep the call a secret.

• No matter how dramatic the story, don’t wire money. Don’t send a check or money order by overnight delivery or courier, either. Con artists recommend these services so they can get your money before you realize you've been cheated. And there’s no way to get your money back.

• Report possible fraud at ftc.gov or by calling 1-877-FTC-HELP.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Of Sewer Pipes and an Accredited Business

3/28/2011

Posted on 3/28/2011 by Luanne Kadlub

BBB Accredited Businesses rock – and I’ll tell you why! Not too long ago my husband and I needed work on sewer pipes at a rental house. I cringed. This was not going to be cheap.

The bill arrived a few days ago and I was right. It wasn’t at all cheap. But here’s where it gets interesting. In an enclosed note, the business owner apologized for the total and gave a thorough accounting of what was done and why.

He also explained what he chose not to do.

He did not charge markup for parts, he did not charge for his first trip to the rental, and he did not charge for three hours of overtime on Sunday. He then offered to let us pay the bill in installments or by credit card. Why all the concern? Because, he wrote, “It’s the right thing to do.”

So I thought to myself – that’s the BBB mantra! Turns out he has an A+!

Do you have a story to share about a company that did something just because it was “the right thing to do?”

12 Finalists Named for BBB Torch Awards

3/25/2011

Posted on 3/25/2011 by

Twelve businesses from Northern Colorado and Wyoming are finalists for the prestigious BBB Torch Awards for Business Ethics. Winners will be announced at the BBB’s annual awards dinner April 21 at the Embassy Suites in Loveland. The event begins with a red carpet reception at 5 p.m. followed by dinner and program at 6 p.m.

The Torch Awards, now in its 13th year, recognizes businesses that exhibit exemplary business ethics, uphold high standards in relationships with customers, suppliers and shareholders, show honesty and integrity in marketing and advertising, and give back to their communities.

2011 Torch Award finalists are:

Business with one-10 employees
Colorado Boat Center, Johnstown, Colo.
Nieman Music, Cheyenne, Wyo.

Business with 11-25 employees
Handel Information Technologies Inc., Laramie, Wyo.
HighCraft Builders Inc., Fort Collins, Colo.
Brendle Group, Fort Collins, Colo.

Businesses with 26-99 employees
Alliance Construction Solutions, Loveland, Colo.
Drahota, Fort Collins, Colo.
Kennon Products, Sheridan, Wyo.
Palmer Flowers, Fort Collins, Colo.

Business with 100-plus employees
L&H Industrial, Gillette, Wyo.
Trihydro, Laramie, Wyo.
Walker Manufacturing, Fort Collins, Colo.

Twenty-two companies were nominated for the 2011 Torch Awards by peers, colleagues and customers. Business students from the University of Northern Colorado, Colorado State University and the University of Wyoming prepared written entries, which were then judged by an independent panel.

This year’s event, a program of the BBB Foundation, will also include presentation of the BBB/Rotary Business Ethics Scholarship and the new BBB/Front Range Community College Floral Design Scholarship.

For further information about the event or to purchase tickets, visit wynco.bbb.org/torch_awards or call Kellie Brown at 970-488-2036.

BBB Warns Consumers To Use Caution When Buying Elizabeth Taylor Memorabilia

3/25/2011

Posted on 3/25/2011 by

In the hours following the death of Elizabeth Taylor, entrepreneurs undoubtedly began looking at ways to honor – and profit from – the passing of another iconic entertainment legend. The Better Business Bureau warns that most memorabilia and commemorative items produced and sold in the wake of Taylor’s passing will decrease in value in the years to come.
       The online auction site eBay listed nearly 10,000 Elizabeth Taylor-related items shortly after her death on March 23, including the domain name RememberingElizabethTaylor.com (priced at $15,000), a 1955 handwritten letter signed by Taylor ($7,500), a one-sheet movie poster from “Butterfield 8” ($1,295) and a 1952 Dixie ice cream lid with the star’s photo ($249).
    The BBB noted a similar rush for memorabilia associated with Elvis Presley, John Wayne, Princess Diana, John Lennon and Michael Jackson after their deaths.
    The BBB offers the following tips for persons buying collectibles or memorabilia following the death of a celebrity:

· Get educated. Collectors need to research the value of items before they begin purchasing them, especially if they want pieces with the potential for substantial appreciation in value.

· Confirm authenticity. Autographs can be verified by a third party, but for other items, the collector should feel free to ask the seller questions about the item, including how the seller came to own it. If the seller can’t answer simple questions, then the collector should walk away.

· Make purchases with a credit card. Consumers should always purchase items with a credit card if they are shopping online. If the seller turns out to be fraudulent, then the consumer can dispute the charge with the credit card company and may be eligible for reimbursement.

· Purchase items from a reputable seller. When shopping online stores, collectors should look for the BBB seal on Web sites and click on the seal to confirm its legitimacy. If there isn’t a BBB seal on the site, shoppers should always check a company out with their BBB before they buy at wynco.bbb.org.

· Be careful online. When purchasing items from an individual on eBay, research the seller’s track record by reading buyer reviews. When shopping on Craigslist, go local and never wire money as payment.

· Don’t be fooled by empty advertising claims. Just because the seller claims that the item is of limited edition, it doesn’t mean that there weren’t millions made. If the item is being widely advertised, chances are it’s too common to actually gain much value over the years.

Cell Phone Users Should Beware Smishing Schemers

3/25/2011

Posted on 3/25/2011 by

If you own a cell phone, you could become a victim of smishing, a variation on prevalent phishing scams that seek to gain your personal information.

Smishing schemers often pose as financial institutions or lottery sweepstakes asking customers to contact them immediately about a pressing issue that needs to be discussed.

Victims of smishing scams report that they receive text messages claiming that their bank accounts are frozen or that there is another account issue that needs attention. They are instructed to call a toll-free number and provide information such as their account numbers and passwords to a phony automated system.

The sweepstakes smishing scam, on the other hand, begins with text messages such as “Win cash now!” and “Short on cash? Reply here!” Many of these messages come with embedded links that can spread viruses to your phone if clicked.

The Better Business Bureau advises consumers to do the following if you suspect you have fallen victim to a smishing scam:

Never reply to the text message. Schemers prey on victims that text back and ultimately verify that the text has been sent to an active cell phone. Never click any links. Many schemers use this to spread a viral attack on your phone.

Report the text immediately. Call your financial institution if you believe you have fallen victim to a smishing scam. They can tell you for certain if the text is legitimate.

Call your cell-phone provider. Your cell phone provider should be able to block the number as well as any premium text messages.

Do your research. If you believe you have fallen victim to a smishing lottery sweepstakes scam, contact the BBB directly to confirm the legitimacy of the text message and to file a complaint against the business responsible.

Contact the Federal Trade Commission. The FTC works to legally prevent fraudulent business practices in the marketplace. File a complaint with the FTC by calling 1-877-HELP.

Start With Trust. For more advice from BBB on identity scams, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Complaints to Better Business Bureau Up Ten Percent Nationwide

3/25/2011

Posted on 3/25/2011 by
Consumers filed 1.1 million complaints - 2,857 of those in Northern Colorado and Wyoming - against North American businesses in 2010, reflecting a 10 percent increase over the previous year, according to an annual report released by Better Business Bureau. Consumers also turned to the non-profit more than 87 million times for help researching businesses across North America, a whopping 37 percent more than in 2009.

“The complaints filed with BBB are not only a barometer of customer satisfaction, but the rise in complaints also shows that consumers are increasingly relying on BBB for assistance in resolving disputes with businesses,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming.

System-wide, the cable and satellite TV industry received the largest number of complaints with 30,985, a 5 percent decrease over last year. The cell phone industry ranked second with 27,293 complaints, but saw a 29.6 percent decrease over 2009. Rounding out the top three, new car auto dealers received 24,698 complaints, an 8.1 percent decrease over the previous year.

While the cable and satellite TV industry, cell phone industry and new car dealers received a high volume of complaints, the BBB report shows that they also have a higher rate of resolution with consumers than the average rate (78 percent) across all industries in 2010. Cable and satellite TV resolved 98.6 percent of complaints, a slight increase from 2009; the cell phone industry resolved 92.1 percent; while new car dealer companies resolved 87.4 percent of all complaints.

“Industries that do a large volume of business are naturally going to have a larger number of complaints. This is why it’s important to look at how a company responded when BBB approached them with consumer complaints, and not just the sheer number of complaints,” added King.

The report also reveals that the 3 million BBB Business Reviews are increasingly popular as a free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating and complaint history—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

“The services and tools that BBB supplies free of charge at bbb.org are now of more value than ever before to consumers,” King said. “Given the current economic climate, consumers need to be more cautious on where and how they spend their money and a fast, easy way to do this is to ensure businesses are accredited by BBB and have a good BBB rating before doing business with them.”

Following are the top 10 industries by volume of consumer complaints filed across North America with BBB in 2010:

Industry	Total Complaints	Rank by number of complaints¹	Percentage increase over 2009	Percentage of Resolved Complaints²
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phone Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers - New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

¹ Complaint rank is out of 4,483 industries categories
² Average resolution rate across all industries for 2010 was 78 percent

For a complete industry breakdown of all complaints filed with the BBB in 2010 go to www.us.bbb.org/statistics.

Sharon Abrams Assumes Chairmanship of BBB

3/23/2011

Posted on 3/23/2011 by
ARLINGTON, VA – The Board of Directors of the Council of Better Business Bureaus has announced the appointment of Sharon Abrams as chairman of the Board, replacing Pete Blackshaw, who has accepted a position with Nestle in Geneva, Switzerland.

Abrams is vice president and general counsel, North America, of The Procter & Gamble Company, and has served on the CBBB Board of Directors since 2007 and on its executive committee since 2009. Abrams is also active with the Cincinnati BBB as a Board member and vice chair of its executive committee.

“Sharon brings a diverse corporate background to this position,” said Steve Cox, president and CEO of the Council. “She has experience with governance and legal issues, marketing, team-building, consumer trends and social media. Moreover, she is passionately committed to ethical business practices and believes strongly in our mission to foster trust in the marketplace. The board and staff have a great deal of confidence in her ability to lead us into our centennial year and help prepare the organization for its second century.”

Abrams joined Procter & Gamble in 1985, and held a variety of positions of increasing responsibility until 2002, when she was named secretary. Most recently, she served as P&G’s general counsel for Western Europe before returning to the company’s headquarters in Cincinnati, Ohio, in 2006 to assume her current post.

In addition to the BBB, Abrams has been involved with numerous professional organizations. She has served on the legal committees of the Soap & Detergent Association and the Grocery Manufacturers of America, on the Competition Law Committee of AIM (the European Branded Goods Association), and is a past member of the American Society of Corporate Secretaries. She has been rated AV® PreeminentTM by Martindale Hubbell, and was selected for the inaugural edition of the Martindale-Hubbell® Bar Register of Preeminent Women Lawyers™.

Abrams graduated summa cum laude with a degree in economics from the University of Dayton, where she was a Presidential Scholar and a member of the National Economics Honor Society. She graduated cum laude, Order of the Coif from Northwestern University School of Law, where she was a John Henry Wigmore Scholar and an editor of the Journal of Criminal Law and Criminology. She is a member of the Ohio Bar Association, the Bar of the Supreme Court of Ohio, and the Cincinnati Bar Association. She is also a long-time member of the Association of Corporate Counsel.

About the BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Frank Eliason Elected the Board of Directors of the Council of Better Business Bureaus

3/21/2011

Posted on 3/21/2011 by
Arlington, VA – Frank Eliason, Senior Vice President of Social Media for Citibank, was recently elected to the Board of Directors of the Council of Better Business Bureaus.

While at Citibank, Eliason has helped change the way the global financial institution manages its relationships by building a lifetime of trust between Citibank and its customers.

“Being a thought leader and speaker in the field of social media and customer experience, Eliason brings a valuable perspective to the Council,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. The Council is the network hub for 122 Better Business Bureaus in the United States and Canada. Like BBBs, the Council is dedicated to fostering honest and responsive relationships between businesses and consumers, instilling consumer confidence and contributing to a trustworthy marketplace.

Prior to joining Citibank, Eliason was best known as the voice behind @ComcastCares. His innovative work with Comcast is part of a top case study that proves social media to be a positive role for corporations. Eliason’s distinguished advancements in social media have been recognized by many news organizations such as CNN, The New York Times, Business Week, and others.

Eliason serves as a board member of the Society of Consumer Affairs Professionals and as an active member on the advisory board for Drexel University’s Center for Corporate Reputation Management.

# # #

About the BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Warns that Watching ‘Free’ Movies can be Costly

3/17/2011

Posted on 3/17/2011 by
Everyone loves a good movie and with today’s movie theater tickets costing $8 or $10 a pop (and that’s not even including the “pop”), many moviegoers opt to instead watch their favorite movies at home for free. “Free,” however, can come at a high cost – to consumers.

According to researchers from cloud security provider Zscaler, movie sites such as letmewatchthis.com, letbobwatchthis.com and movie-source.org look harmless when in fact they lure consumers into copyright infringement traps. These sites house hundreds of pirated movies and by downloading them onto your computer you commit copyright infringement.

According to the U.S. Copyright Office, an individual who uploads or downloads online movies 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 increase 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 is authorized to sell copyrighted pieces.
•    When evaluating services to decide if they provide legal music and movie files, look for statements that indicate copyright permission of the artists or the company representing the artists.
•    Seek legal alternatives. The Recording Industry Association of America and the Motion Picture Association of America can provide a list of popular legal online media sources, including iTunes and YouTube.
•    Be careful when downloading illegal digital files as it puts your computer at high risk of receiving viruses.

Start With Trust. To learn more about how to protect yourself from copyright infringement, visit bbb.org and cybercrime.gov sponsored by the U.S. Department of Justice. And for more reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Charities Providing Japan Earthquake Relief

3/14/2011

Posted on 3/14/2011 by
The list below identifies national charities that are seeking to provide assistance in response to the earthquake in Japan. This list only includes those charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization. Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

American Red Cross
AmeriCares
CARE USA
Catholic Relief Services
Church World Service
Direct Relief International
GlobalGiving
International Rescue Committee
Oxfam America
Save the Children
World Vision

If you are with a nationally soliciting charity that meets all of our standards and are providing assistance in Japan, please contact us at charities@council.bbb.org to be included on this list.

Measure Twice – Then Call a BBB Accredited Business

3/14/2011

Posted on 3/14/2011 by
Snow one day, 60 degrees the next is a sure sign that spring is on its way. And as we all know, spring is synonymous with yard cleanup, house painting, window washing, deck additions, new roofs, window replacement, mowing lawns. Your spring to-do list might also include the addition of water features, an outdoor kitchen, fire pit, garden shed, underground sprinklers, cobblestone paths, a swing set, an outdoor pool, potted plants.

Many homeowners enjoy tackling any or all of these jobs themselves while many others have no clue and/or desire to get started. Sure, you can watch do-it-yourself-shows on TV or pick up a how-to book at your local bookstore, but the truth is, Bob Villa makes it look a lot easier than it is.

Do-it-yourselfers always say to measure twice and cut once. I take that advice a step further and recommend measuring twice then calling a BBB Accredited Business.

Why choose to hire an Accredited Business? The simple answer is that Accredited Businesses pledge to uphold BBB Standards of Trust, which includes honesty, truthfulness, transparency and responsiveness.

Finding an Accredited Business is as easy as visiting the BBB website at wynco.bbb.org and clicking “Find an Accredited Business” on the home page. You can search by category (plumbers, roofers, landscapers, etc.) or by business name. Go the extra step and click on the business to be taken straight to its BBB Business Review, which provides information about the company, including ownership, BBB rating and complaint history.

Request a Quote is another way to become connected with a BBB Accredited Business and you’ll find this free service on our website’s home page as well. Request A Quote – which is free – is a great tool to use if you’re looking for bids from two or more companies.

Although using an Accredited Business takes away a lot of the guesswork involved in hiring a contractor or doing business with a company you don’t know, you still need to take the same extra steps you would with any business: Ask for references and call them, make sure the business has required licenses and insurance, and get everything in writing before giving the go ahead to proceed.

Does a spring to-do list get any easier than this?

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Want To Help Earthquake Victims In Japan? Check Out Charities First With Your BBB

3/11/2011

Posted on 3/11/2011 by

Dramatic news videos of the devastating earthquake and subsequent tsunami that hit Japan early today have prompted many Americans to consider making donations to charities that provide relief to survivors.

The Better Business Bureau warns consumers to be cautious because fraudulent charities often crop up to take advantage of their sympathy for earthquake victims.

“When a disaster happens anywhere in the world, you can count on Americans to be generous with both their time and money,” said Pam King, BBB president/CEO. “Donors want to be sure their money goes to competent relief organizations that are equipped to handle the unique challenges of providing assistance in a disaster zone.”

The best way to help is to donate money to a reputable humanitarian organization such as the American Red Cross, a BBB Charity Seal holder. The American Red Cross has a long history of responding to local, national and international disasters.

The BBB offers the following tips to help you decide where to direct donations:

• Rely on respected experts to evaluate a charity. Be cautious when relying on third-party recommendations such as bloggers, because they may not have fully researched the listed relief organizations. The BBB provides a Wise Giving Guide to charities at www.bbb.org/charity. The guide shows which charities are accredited by the BBB and whether they meet the BBB’s 20 Standards for Charity Accountability.

• Be wary of claims that 100 percent of donations assist victims. All charities have fund-raising and administrative costs. Even a credit-card donation will involve, at a minimum, a processing fee.

• Be cautious when giving online to unfamiliar charities. Be wary of spam messages and e-mails that claim to link to a relief organization. After the Indian Ocean tsunami disaster in 2004 and the earthquake in Haiti last year, many websites and organizations that were created overnight allegedly to help victims turned out to be scams.

• Find out if the charity has a presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to get new aid workers into the area to provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.

• Find out if the charity is providing direct aid or raising money for other groups. You may want to avoid the middleman and give directly to charities that have a presence in the region. Check out the ultimate recipients of the donations to ensure that the organizations are equipped to effectively provide aid.

• Gifts of clothing, food or other in-kind donations may not be appropriate. Unless the organization has the staff and infrastructure to distribute such aid, the donations may be more of a burden than a help. Ask the charity about their transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

Start With Trust. Visit wynco.bbb.org or call 970-484-1348 or 800-564-0371 for reliable consumer tips and information.

Larimer County Consumers Log 1,815 Fraud and ID Theft Complaints in 2010

3/10/2011

Posted on 3/10/2011 by
Larimer County ranked 10th in the nation, — up from 13th the previous year — for consumer fraud complaints in 2010, according to the Consumer Sentinel Network Data Book released March 8 by the Federal Trade Commission. In addition, Larimer ranked 104th, up from161st, for identity theft fraud complaints. The report is compiled from information gathered by the FTC, the Better Business Bureau, law enforcement agencies and private entities.

In 2010, the Fort Collins/Loveland area logged 1,560 consumer complaints, or 542.5 complaints per 100,000 residents. Larimer County had 255 identity theft cases, or 88.7 per 100,000 people.

In comparison, Greeley ranked second in consumer fraud complaints with 1,742 complaints, or 714.7 per 100,000 people, and eighth for identity theft complaints with 341 complaints, or 139.9 per 100,000 people.

Other Colorado cities on the list include Boulder, fourth in consumer complaints, 48th in ID theft complaints; Colorado Springs, 13th in consumer complaints, 174th in ID theft complaints; and Denver-Aurora, 34th in consumer complaints, 82nd in ID theft complaints.

Colorado, with a total of 21,012 consumer fraud complaints, has the highest per capita rate — 417.8 per 100,000 residents — of reported fraud and other types of complaints in the nation. Maryland and Nevada were second and third, respectively.

Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming, attributes the area’s high volume in part to the BBB Foundation’s increase in community education efforts that include community talks, expos and consumer columns. “Consumers in our service area are becoming increasingly aware of how they can handle questions or complaints about consumer transactions.”

Top 10 categories of consumer complaints in Colorado include: third party and creditor debt collection, impostor scams, Internet services, shop-at-home and catalog sales, Internet auction, foreign money offers and counterfeit check scams, prizes, sweepstakes and lotteries, telephone and mobile services, television and electronic media and credit cards.

The FTC logged more than 1.3 million complaints nationwide in 2010. Fifty-four percent were fraud complaints, 19 percent identity theft complaints, and 27 percent other types of complaints.

Start With Trust. For information on how to file a consumer complaint, visit ftccomplaintassistant.gov, 1-877-FTC-HELP, and for consumer information, tips and alerts as well as to file a complaint, visit wynco.bbb.org, 970-484-1348 or 800-564-0371.

FTC Report Ranks Wyoming 24th for Consumer Complaints in 2010

3/10/2011

Posted on 3/10/2011 by
The Federal Trade Commission received 1,652 fraud complaints and 290 identity theft complaints from Wyoming consumers in 2010, ranking it 24th and 35th, respectively. The FTC logged more than 1.3 million complaints nationwide in 2010.

The Better Business Bureau, which serves 38 counties in Northern Colorado and Wyoming, forwarded 935 complaints to the FTC in 2010.

The top 10 fraud complaints in Wyoming were: third party and creditor debt collection; impostor scams; Internet auction; shop-at-home and catalog sales; foreign money offers and counterfeit check scams; prizes, sweepstakes and lotteries; Internet services; mortgage foreclosure relief and debt management; credit cards; and telephone and mobile services.

Most common ID theft complaints were a result of credit card fraud, bank fraud, phone or utilities fraud, employment-related fraud, government documents or benefits fraud and loan fraud.

Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming, said, “Consumers in our service area are becoming increasingly aware of how they can handle questions or complaints about consumer transactions.”

Start With Trust. For information on how to file a consumer complaint, visit ftccomplaintassistant.gov, 1-877-FTC-HELP, and for consumer information, tips and alerts as well as to file a complaint, visit wynco.bbb.org, 970-484-1348 or 800-564-0371.

Weld County Consumers Log 1,742 Fraud and ID Theft Complaints in 2010

3/10/2011

Posted on 3/10/2011 by
Greeley/Weld County ranks second in consumer fraud complaints and eighth in identity theft complaints for 2010, according to the Consumer Sentinel Network Report released March 8 by the Federal Trade Commission. In 2009, the Weld ranked third and ninth, respectively. The report is compiled from information gathered by the FTC, the Better Business Bureau, law enforcement agencies and private entities.

Specifically, Greeley/Weld had 1,742 consumer complaints in 2010, or 714.7 complaints per 100,000 people, and 341 identity theft complaints, or 139.9 complaints per 100,000 people. Although Weld increased in standings, the number of ID theft complaints is actually down from the previous year.

In comparison, Fort Collins/Loveland was 10th in consumer complaints and 104th in ID theft complaints. Other Colorado cities on the list include Boulder, fourth in consumer complaints, 48th in ID theft complaints; Colorado Springs, 13th in consumer complaints, 174th in ID theft complaints; and Denver-Aurora, 34th in consumer complaints, 82nd in ID theft complaints.

Colorado, with a total of 21,012 consumer fraud complaints, has the highest per capita rate — 417.8 per 100,000 residents — of reported fraud and other types of complaints in the nation. Maryland and Nevada were second and third, respectively.

Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming, attributes the area’s high volume in part to the BBB Foundation’s increase in community education efforts that include community talks, expos and consumer columns. “Consumers in our service area are becoming increasingly aware of how they can handle questions or complaints about consumer transactions.”

Top 10 categories of consumer complaints in Colorado include: third party and creditor debt collection, impostor scams, Internet services, shop-at-home and catalog sales, Internet auction, foreign money offers and counterfeit check scams, prizes, sweepstakes and lotteries, telephone and mobile services, television and electronic media and credit cards.

The FTC logged more than 1.3 million complaints nationwide in 2010. Fifty-four percent were fraud complaints, 19 percent identity theft complaints, and 27 percent other types of complaints.

Start With Trust. For information on how to file a consumer complaint, visit ftccomplaintassistant.gov, 1-877-FTC-HELP, and for consumer information, tips and alerts as well as to file a complaint, visit wynco.bbb.org, 970-484-1348 or 800-564-0371.

Colorado Ranked First for Reported Fraud in FTC 2010 Fraud/ID Theft Report

3/10/2011

Posted on 3/10/2011 by
Colorado has the highest per capita rate of reported fraud and other types of complaints in the nation, according to the Consumer Sentinel Report released March 8 by the Federal Trade Commission.

In 2010, Colorado consumers made 21,012 fraud complaints, or 417.8 per 100,000 people. In addition, the state ranks 11th for ID theft complaints with 3,961 complaints, or 78.8 complaints per 100,000 people.

The report is compiled from information gathered by the FTC, the Better Business Bureau, law enforcement agencies and private entities.

The BBB serving Northern Colorado and Wyoming forwarded 935 complaints to the FTC.

Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming, attributes Colorado’s high rankings to consumer education. “Consumers in our service area are becoming increasingly aware of how they can handle questions or complaints about consumer transactions.”

Top 10 categories of consumer complaints in Colorado include: third party and creditor debt collection, impostor scams, Internet services, shop-at-home and catalog sales, Internet auction, foreign money offers and counterfeit check scams, prizes, sweepstakes and lotteries, telephone and mobile services, television and electronic media and credit cards.

The FTC logged more than 1.3 million complaints nationwide in 2010. Fifty-four percent were fraud complaints, 19 percent identity theft complaints, and 27 percent other types of complaints.

Start With Trust. For information on how to file a consumer complaint, visit ftccomplaintassistant.gov, 1-877-FTC-HELP, and for consumer information, tips and alerts as well as to file a complaint, visit wynco.bbb.org, 970-484-1348 or 800-564-0371.

BBB Tips for Safe Spring Break Getaways

3/10/2011

Posted on 3/10/2011 by

Whether you’re jetting to Costa Rica, driving to Corpus Christi or cruising to Cabo, spring break – or any other time you choose to get away from it all – is not the time to book a trip from a provider you are unfamiliar with just because it looks like a good deal.

Out of the almost 4,000 industries the BBB monitors, the travel industry consistently ranks near or in the top 25 for number of complaints, costing consumers as much as $10 billion annually.

While some bargain travel companies might provide all that’s promised, a good many others are nothing more than a means to let your hard-earned cash take a permanent vacation from your checking account. Consumers should also be weary of travel clubs that charge hefty upfront fees even before a destination is selected.

What can you do to ensure your trip will be memorable for all of the right reasons? Begin by looking for a travel planner that is a BBB Accredited so you know you can trust them.

When planning your trip, the BBB advises:

Gather Information. Don’t be fooled by professional-looking travel mailers, websites, e-mails or seminars. Few legitimate businesses can afford to give away products and services of real value or substantially undercut other companies’ prices. Always check out the business with your BBB at wynco.bbb.org.

Ask detailed questions and get it in writing. Get names of airlines, hotels, car rental companies and travel providers and check them out to avoid surprises later on. Consider contacting these businesses directly to verify arrangements. Always ask for confirmation of your travel arrangements in writing and ensure you receive copies of cancellation and refund policies.

Pay with a credit card. Always pay with a credit card in case you need to dispute charges. Don’t pay for your trip via a wire service as those funds cannot be tracked or refunded.

Contact the BBB if you are a victim of fraud. Victims of travel-related scams should file a complaint online at wynco.bbb.org.

Start With Trust. For reliable consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Educated Consumers are Safer Consumers

3/10/2011

Posted on 3/10/2011 by

Quick question: 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 Offers Tips on Finding a Tutor

3/9/2011

Posted on 3/9/2011 by

If your child is having a hard time learning to read, needs a hand with his or her calculus homework or even SAT*/ACT® preparation, a tutor may be the answer. The Better Business Bureau has advice on finding and working with a tutor to best meet your child’s needs.

While private tutors can be expensive — $30 to $70 an hour — they can offer the most tailored approach for helping your child learn. Qualifying families with limited income can receive free tutor sessions as part of the No Child Left Behind Act.

A commercial learning center typically costs around $150 per week, paid weekly or monthly. A learning center provides a customized and specialized learning environment for your child.

For the computer-savvy child, online tutoring usually carries a monthly fee of $35 to $130. Tutors are often available online 24-hours for kids to chat about their homework or SAT*/ACT® prep.

Additional BBB tips for finding and working with a tutor:

Check it out. For information on tutoring services or commercial learning centers, start your search at wynco.bbb.org for a free BBB Business Review that will help you make informed decisions.

Ask around. Get referrals from your child’s teacher; other parents and friends can be a great resource as well.

Look for credentials. Check the tutor’s credentials and make sure they’re qualified in the subject area your child needs help with.

Schedule a meeting. Meet with the tutor and discuss measurable, specific goals to be achieved and don’t be afraid to hold the tutor and the child accountable if goals aren’t met. While a tutoring program can’t necessarily guarantee a higher SAT*/ACT ® score, a tutor can help identify problem areas and address any specific subjects where your child needs help.

Play a role. If you use a personal tutor, sit in now and then to observe how the tutor and your child work together. Ask the tutor for advice on what you can do as a parent to help your child learn more effectively.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Are You a Smart Consumer?

3/7/2011

Posted on 3/7/2011 by Luanne Kadlub

Ready for a quick consumer quiz? Good!

You just received a letter stating you won $2.6 million in a sweepstakes! A partial check for $5,000 is enclosed. To claim your prize, you’re instructed to deposit the check and wire back $29.99 to cover taxes and handling.

You:
a. Race to your bank and deposit the check and wire the fee. You’re going to be a millionaire!
b. Shred the letter because you can’t win a sweepstakes you didn’t enter and you know that wiring money to strangers is a huge and giant red flag.

While checking e-mail you open a request from your credit-card company to verify account information.

You:
a. Follow directions and click on required links and fill in your credit card number, Social Security number and even your driver’s license number.
b. You delete the e-mail because you know your financial institution has the correct information and does not e-mail customers to verify information. You also know that phishing e-mails like this are used to steal your identity.

You’re shopping online and as you’re about to place an order, you notice the URL begins with http:// and not https://

You:
a. Proceed checking out because those shoes are just too cute to let pass by.
b. Discontinue checking out because you know that missing “s” indicates the site – and therefore any information you provide – is not secure.

Celebrate National Consumer Protection Week March 6-12 by becoming an educated consumer. Visit ncpw.gov/consumer-topics/ today.

Council Steps Up Enforcement of Interest-Based Advertising

3/7/2011

Posted on 3/7/2011 by

March 4, 2011 – The Council of Better Business Bureaus today announced two new steps in the implementation of its online Interest-Based Advertising Accountability Program: the appointment of Eugenie N. Barton, former vice president and general counsel to the United States Telecom Association, as director of the program and the signing of a contract with Evidon Inc., a commercial marketer of monitoring services.

These developments advance enforcement of the Principles established by the cross-industry Self-Regulatory Program for Online Behavioral Advertising. The Principles apply consumer-friendly standards to online interest-based advertising and they were developed and are supported by the leading advertising industry trade organizations. The Council was tasked with building an accountability program to promote compliance with the Principles.

Barton is a privacy and communications industry expert with a strong record of accomplishments across a broad array of major public policy initiatives. She has served the public interest in positions with U.S. Department of Commerce, the U.S. Congress Office of Compliance and the Federal Communications Commission.

“Genie brings to this position a deep background in communications law and policy and a commitment to assuring the Council’s enforcement program achieves the same high standards of industry accountability as our other self-regulatory programs,” said Steven A. Cox, president and CEO, Council of Better Business Bureaus. “We are confident that her strong leadership will ensure that the advertising industry lives up to the Principles of the Self-Regulatory Program for Online Behavioral Advertising.”

The Council announced also that it has signed a contract with Evidon to supply technology to monitor online interest-based advertising activities. Evidon will provide services that include analytics derived through its Ghostery unit, lab analysis and its database of companies potentially engaged in the collection and use of information for interest-based advertising.

“These services will provide the accountability program with a bird’s eye view of online interest-based advertising and an early warning system to detect potentially problematic data collection” said Barton. “We will be monitoring everyone engaged in interest-based advertising – advertising networks, advertising agencies, Web publishers, advertisers and service providers.”

The online Interest-Based Advertising Accountability Program:

Monitors the marketplace externally for data that suggests noncompliance with key notice and choice requirements
Reviews reports from consumers and other stakeholders regarding potential non-compliance. The report form is available at https://www.bbb.org/online-behavioral-advertising/report-form/
Conducts inquiries into instances of potential non-compliance
Reports noncompliance and refers uncorrected noncompliance to government

The online Interest-Based Advertising Accountability Program supports a system of “enhanced notice” to consumers. The advertising industry has created an industry icon that appears in or near interest-based ads, or elsewhere on the Web page where the ads are served or data is collected for interest-based advertising, to signal to consumers that the site they are browsing may collect data. The icon links to a notice of the data collector’s practices and provide consumer a “choice” - the ability to opt out of future interest-based advertising.

The industry also has built an expanded industry-wide website that lists most of the major interest-based advertising data collectors and provides consumers with an easy-to-use link to an opt-out destination. Additional information about the self-regulatory program is available at the site, www.aboutads.info.

The Council administers the advertising industry’s self-regulatory programs, including the National Advertising Division, Children’s Advertising Review Unit, Electronic Retailing Self-Regulation Program, and Children’s Food and Beverage Advertising Initiative, while the National Advertising Review Council (NARC) sets policies and procedures for advertising industry self-regulation.

The NARC Board of Directors – which includes the leadership of the 4As, American Advertising Federation (AAF), American Association of National Advertisers (ANA), CBBB, Direct Marketing Association (DMA), Electronic Retailing Association (ERA) and Interactive Advertising Bureau (IAB) – has endorsed the Council’s
Interest-Based Advertising Accountability Program.

“For nearly 40 years, the advertising industry has supported rigorous and effective self-regulation and we have a deep commitment to the principle that consumers are best served when they are fully informed. We look forward to applying the same principles of transparency and full disclosure to the dynamic new online advertising market,” said Lee Peeler, NARC president and CEO and executive vice president, National Advertising Self-Regulation, CBBB.

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About BBB: As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 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.

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

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

BBB's Timely Tax Tips

3/3/2011

Posted on 3/3/2011 by
April 18 is just around the corner – have you done your taxes? If not, now is the time to sit down and do them yourself or to find a trustworthy tax preparer (make sure you check them out first with your BBB!).

If you’re ready to get started, the Better Business Bureau and the Internal Revenue Service offer the following tips:

Gather your records - Round up all W-2s, 1099s and other documents and forms such as receipts and canceled checks.

Consider your filing options - Many options exist for preparing your tax return. In addition to doing it yourself or handing it over to a tax preparer, you may be eligible for free face-to-face help at an IRS office or at a volunteer site.

Use Free File - Let Free File (find it at irs.gov) do the hard work for you with brand-name tax software or online fillable forms. If you made $58,000 or less, you qualify for free tax software offered through a private-public partnership with manufacturers. If you made more or are comfortable preparing your own tax return, consider Free File Fillable Forms, the electronic versions of IRS paper forms.

Try IRS e-file - After 21 years, IRS e-file has become the safe, easy and most common way to file a tax return. Many tax preparers are now required to use e-file and will explain filing options to you.

Visit the IRS website again and again - The official IRS website is a great place to find everything you’ll need to file your tax return: forms, publications, tips, answers to frequently asked questions and updates on tax law changes.

Review! Review! Review! - Don’t rush. Be sure to double-check Social Security numbers and math calculations on your return as these are the most common errors made by taxpayers.

Consider Direct Deposit - If you elect to have your refund directly deposited into your bank account, you’ll receive it faster than waiting for a paper check.

6 Tips For Car Buyers

3/1/2011

Posted on 3/1/2011 by

Investing in a car is a big responsibility. Whether you are a first-time buyer, a veteran at the dealership or even a 16- year-old, buying a safe, reliable car that is also the right choice for your lifestyle is no easy feat. There is so much to consider these days - size, gas mileage, color, level of coolness - that often easy but important tasks are forgotten.

Here is some food-for-thought on buying a dependable new or used car:

Know your credit score before searching for a car or for an auto-loan. You are less likely to be scammed by a new or used car salesman, or finance manager, if you know for which loans you do and do not qualify.

Do your homework. Know before you start shopping how much you can afford to put down and how much your monthly payments will be. Even though you may find a car loan that only requires a 5 percent down payment, make sure you remember that the lower your down payment, the higher your monthly and overall payment on the vehicle.

Know the total amount you want to spend on your car. When it comes to buying a car, people often shop according to the monthly payments they can afford. If you do this, the sales person has more opportunity to convince you to buy a more expensive car (more than you want or can afford), but with less monthly interest or a longer loan amount. Best to go in knowing the TOTAL you want to spend on the car and let the dealership figure out how to take that total amount and make it work to also fit your monthly budget.

Read dealership reviews. Your BBB monitors both used and new car dealerships. Before you lay all of your trust in a dealer, check them out with the BBB to see if they are Accredited, or if they have a good rating. Beginning with a reputable dealership should be a high priority.

Read the model reviews. Once you narrow down what type of car you would like to drive and how much you can pay, read reliability reports and personal experiences about the model of which you are interested. Consumer Reports and Kelley Blue Book both are excellent references.

Don’t throw the baby out with the bathwater. This is a tip only for used car buyers. If there is something wrong with the car you want, say worn tires or a burnt out headlight, you don’t have to walk away. Negotiate the price or ask the seller to fix the problem. If they simply refuse to compromise, then it might be time to continue your search, but keep in mind that used cars are rarely in perfect condition.

Wedding Nightmares Can Be Prevented If You Check Vendors Out With The BBB First

2/25/2011

Posted on 2/25/2011 by

Brides and bridegrooms who spend months and thousands of dollars planning for a perfect wedding can avoid disappointment by reading contracts carefully and checking vendors out with the Better Business Bureau.

When you meet with potential wedding vendors, the BBB advises watching out for one-day specials, discounts for advance payment and hidden costs. Read contracts and ask questions before you sign anything. Be wary of vendors who ask you to pay most of the fees in advance. Ask about refund policies on deposits or prepayments.

Some common problems that couples encounter include:

Extra fees. Some caterers, hotels or reception venues try to charge extra for “plate splitting,” “cake-cutting” or “corkage” fees, especially if you bring in a cake or liquor purchased from another source. Ask whether any fees apply beyond the cost per person, gratuities or room rental, if applicable. Find out whether there are extra charges for champagne toasts, special linens, chair covers, a raised head table or display stand for the cake.

Dresses that don’t measure up. Brides have complained to the BBB about bridal shops ordering the wrong sizes and colors of gowns as well as dresses that arrive too late for timely alterations. Others complain that stores cut designers’ labels out of sample gowns to make it difficult for brides to comparison shop, an unfair and deceptive practice. Make sure your order specifies new merchandise, sized to fit you and your bridesmaids. Call the shop to remind the staff of your schedule if you don’t hear by the promised time.

Wedding transportation problems. Complaints about limousine service include poor customer service and rigid cancellation policies. Don’t rely on brochures when you hire a limo company. Ask whether the company actually owns the vehicle you want. Get details in writing. Ask how the company handles problems if you aren’t satisfied and what they will charge if you need the vehicle longer on your wedding night. Don’t pay the entire amount in advance.

Musician switch. Brides shouldn’t rely on a website, demo tape or phone conversation when hiring a band or other music service. Find out where you can hear the musicians play before you hire them. Ask who will actually perform at the reception and get a written commitment from the band or musician, including the amount of time they will play and what it will cost to extend the time the night of the event.

Photographer issues. A common complaint from brides is that the photographer they hired doesn’t show up for the wedding. Rather, he or she sends someone you’ve never met, and the substitute doesn’t take the shots you expected. Find out when and how pictures will be delivered, whether you will have the option of getting all the images on a DVD or CD, how much time you will have to choose the pictures and whether other members of your family or wedding party will have access to the pictures.

Many brides complain of long waits for delivery of pictures or albums. Some received no pictures at all after they paid several thousand dollars for a photography package.

Floral changes. Fresh flowers are a perishable commodity and the final bouquet or arrangements may need to change depending on what’s available on the wedding day. Make sure you spell out a minimum size or number of stems in each bouquet or arrangement. Ask how the florist will handle any last-minute substitutions and charges, especially if the value of the flowers actually used is markedly different from what you had agreed upon.

Bridal gown preservation. Some bridal shops or other businesses sell bridal gown preservation packages, including cleaning and a box, for $250 or more. Many of these packages are no more than regular dry-cleaning and a cardboard box. Check with a reputable cleaner on the cost of cleaning your gown after the wedding. The cleaner or another supplier may offer an acid-free box and tissue at a more reasonable price.

Wedding memorabilia. Monogrammed napkins, decorations, swizzle sticks, pens or other souvenirs often are marketed as a way to enhance the event or remember the wedding. Resist the temptation to buy items that may be overpriced, of poor quality or that adds needlessly to the total bill.

Of Borders, Bankruptcy & You

2/17/2011

Posted on 2/17/2011 by Luanne Kadlub
Borders bookstore has announced its closing 200 stores nationwide as part of a bankruptcy filing. If your neighborhood Borders is among those soon to be shuttered, you probably have questions about how this affects gift cards, rewards membership or your eBook library. Get the answers here.

Of Borders, Bankruptcy & You

2/17/2011

Make the Right Call When Choosing Cell Phone Plan

2/15/2011

Posted on 2/15/2011 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 wynco.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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

What are Consumers Saying About Your Business?

2/14/2011

Posted on 2/14/2011 by

By Pam King

Consumers prefer doing business with companies they trust – and they use the Internet to find them.

What does this mean for you? It’s time to get out of your comfort zone and hop online to monitor the conversation and engage with customers.

Pete Blackshaw, president of the board of directors of the Council of Better Business Bureaus and a consumer-generated media guru, knows first-hand the power of consumer messages.

In his book “Satisfied Customers Tell Three Friends. Angry customers Tell 3,000,” Blackshaw writes of three truths:

1. Businesses no longer hold absolute sway over the decisions and behaviors of consumers.

2. The longer companies refuse to accept the influence of consumer-to-consumer communication and perpetuate the old ways of doing business, the more they will alienate and drive away their customers.

3. To succeed in a world where consumers now control the conversation, and where satisfied customers tell three friends while angry customers tell 3,000, companies absolutely must achieve credibility on every front.

How consumers tell those 3,000 others is infinite thanks to ever-growing outlets on the Internet. Consumers hop online to write blogs and post reviews (sometimes good, sometimes scathing) on message boards or consumer review sites. They sing your praises or rant about your faults in 140 characters or less on Twitter. And they make short videos for YouTube retelling their experiences with inferior service or faulty products.

All of this begs the question: Do you know what is being said online about your business? Are consumers getting correct information? Or are they reading negative reviews and blogs by disgruntled customers? Have you noticed bursts of new customers or even an unexplained decline in business and wondered why?

According to a survey by Opinion Research Corp., 84 percent of Americans say online reviews influence their purchasing decisions. And a 2009 survey by the Nielsen Co. shows that online customer reviews are the second-most trusted form of advertising, personal recommendations being first.

So how do you start to manage your online reputation?

The first step is to visit popular search engines such as Google, Bing and Yahoo! and do a vanity search of your business. Is your website easy to find? Is content current and correct? Is your blog up to date? Is your business being reviewed in online forums or blogs?

Google continues to be the powerhouse of search engines, which is why it’s important to “claim your business” on Google Local as well as other local search sites. You can also set up Google alerts to automatically inform you when your business is mentioned in online reviews, blogs or publications.

By regularly monitoring the online chatter, you can respond to complaints, misinformation, even rumors as well as respond to reviews giving your business or employees a thumb’s up. Responding to negative reviews requires a delicate touch. Although it might be tempting to engage in an online version of a street brawl, it’s best to approach negativity with a calm voice and substantiated facts. Not only can you turn around the conversation, you might be able to win back disgruntled consumers.

Consumer-generated media can be influenced, but it cannot be controlled or edited to your liking. It is what it is. This doesn’t mean you have to like it or sit back and do nothing.

Although it might be tempting to engage in an online version of a street brawl, it’s best to approach negativity with a calm voice and substantiated facts. Not only can you turn around the conversation, you might be able to win back disgruntled consumers.

Pam King is president/CEO of the Better Business Bureau serving Northern Colorado and Wyoming. She can be reached at pking@wynco.bbb.org.

Jury Duty Scam Threatens Your Private Information

2/10/2011

Posted on 2/10/2011 by

Everyone gets called for jury duty sooner or later. Many look forward to fulfilling their civic duty, others would prefer not to have to take a day or two off work or school to do so. Regardless of which camp you fall into, you should be aware of an old scam that is gaining new strength. You could be the next target.

It begins when you answer your phone, surprised to find someone on the other end who claims to be an officer of the court. You’re told you haven’t appeared for mandated jury duty and that there is 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 provide personal information, consider this: Court officials rarely cold call prospective jurors, and if they do, they never ask for personal information over the phone. Most officials prefer to communicate via mail.

You have just narrowly avoided a scam that is effective in its simplicity.

The FBI relates the success of the scam to targeting honest people who are law abiding. In an FBI release, 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 Colorado, Florida, New York, Minnesota, California and Arizona, and it is considered by the FBI to be a threat to all communities, even those that haven’t yet had reports surface. Officials expect this con to pick up speed, but are trying to thwart the efforts of scammers by spreading the word. The FBI requests that all suspicious calls be reported to your local FBI office.

Start With Trust. For more information about keeping your private information safe, take a look at this BBB article about how to avoid identity theft, or call the BBB serving Northern Colorado and Wyoming at 970-484-1348 or 800-564-0371.

BBB Tips for Shopping for Your Sweetheart

2/10/2011

Posted on 2/10/2011 by

Consumers are feeling the love and retailers couldn’t be happier.

This Valentine’s Day, the average person will shell out $116.21 – an 11 percent increase from last year – to shower loved ones with cards, candy, flowers and gifts.

Total holiday spending is expected to reach the $15.7 billion mark, according to the National Retail Federation’s 2011 Valentine’s Day Intentions and Actions Survey conducted by BIGresearch. This makes for a lot of smiling retailers.

The NRF survey shows that couples will spend an average of $68.98 on their significant other or spouse and another $5 on their furry friends. Consumers will also share the valentine love with friends, classmates, teachers and even co-workers.

Overall, consumers will spend $3.5 billion on jewelry, $3.4 billion on dining out, $1.7 billion on flowers, $1.6 billion on clothing and $1.1 billion on greeting cards.

All that love, however, can turn sour if you don’t do your pre-purchase homework. In years past, consumers have complained about roses ordered online being delivered past their prime, of jewelry turning out not to be as advertised, and even of designer perfume smelling like cleaning solvent.

To make sure you stay in the good graces of your loved one, the BBB advises:

• Do business only with businesses you trust and check them out with your BBB. The BBB has reports on more than 4 million BBB accredited and non-accredited businesses across the United States and Canada.

• If shopping online, look for the BBB trustmark and click on it to be taken to that company’s BBB Business Review.

• Be wary of advertisements that sound too good to be true.

• Ask for price estimates and jewelry grading reports in advance.

• Review all warranty, guarantee and insurance policies.

• Get all purchase details, including return and exchange policies, in writing

Start With Trust. For reliable consumer information visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

About the BBB

The Better Business Bureau, founded in 1912, is a champion for ethics and trust in the marketplace. Only businesses that meet the high BBB standards are invited to become BBB Accredited Businesses. Today, 123 BBBs across the United States and Canada rate more than 4 million local and national businesses and charities with scores ranging from A to F. Only a BBB Accredited Business may elect to participate in BBBOnLine, one of the most trusted and recognized Internet seal programs in the world.

The BBB serving northern Colorado and Wyoming topped 1.1 million instances of service to consumers in the past 12 months. These services include reliability reports on local companies and charities, access to companies that can be trusted by industry, help with dispute resolution, and trustworthy information on consumer and business topics.

BBB Warns: Valentine’s Day Scams Could Break Your Heart

2/7/2011

Posted on 2/7/2011 by

Valentine's Day is a day of romance and expressions of love, but it’s also a time for scam artists to take advantage and break a heart. If you're not careful you could fall victim to a Valentine's Day scam.

Valentine’s Phishing Scams
As Febr. 14approaches, we expect notes of love to arrive in our mailboxes. Cybercrooks are well aware of this and aim to trick lovestruck individuals into divulging personal and financial information. One e-mail claims to be from a florist and indicates the flowers you ordered for your sweetheart won’t be delivered unless you log in and re-enter your credit card information.

If you click the phony link in that e-mail and enter your credit card information you could have a real problem once you get your next statement. Even if you think a message like this is real, go directly to the florist's website or call them on the phone.

Online Dating Scams
As Valentine's Day approaches, many singles turn to online dating websites to find true love. What many find is a broken heart. Scam artists often create fake profiles designed to match a certain kind of person. Once they make contact the scam begins.

Whether you are talking in a chat room, through instant messages, or e-mails it slowly becomes clear that this new person is perfect in every way. They have the same likes and dislikes as you and most importantly, they really dig you. The cybercriminal gains your trust and then attempts to meet up.

However, your true love won't have enough money for the trip and will need you to wire funds for a plane ticket. This often involves mail-order bride scams, or a scam where you wire a “soldier” money for military leave. This is a very old and common scam.

Valentine’s Day eCard Scam
Be careful opening eCards on the Web! In the case of the Valentine’s Day eCard scam, an e-mail directs the receiver to a fake website that looks a lot like Hallmark or American Greetings.

The recipient is prompted to download the latest version of Flash Player in order to view the card. Instead, malware is installed, which allows the scam artist to take over control of your computer - and and all of its files!

Don't Wait to Create a Succession Plan

2/7/2011

Posted on 2/7/2011 by

By Pam King

What will the new year be like for your family business? What about in five or even 10 years? Will you still be at the helm guiding your company? More importantly, do you want to be? If not you, then who?

If you haven’t created a succession plan, you’re in good company. Although 77 percent of business owners have a will, only 33 percent have a succession plan, according to a 2008 PNC Bank survey.

When an owner of a successful small business departs, it can leave a void of uncertainty among employees and stakeholders. Oftentimes he or she is the reason the company has enjoyed success – and a company’s future depends on continued strong leadership.

While it’s no fun to think about the impact your retirement, disability or death will have on your small business, it’s important to sift through the “what ifs” so that you can create a succession plan that benefits all involved.

When beginning the planning process, get the thoughts and opinions of family members and business partners on their future involvement with the company. This will give you a better idea of who really wants to take on the challenges of the company and who might prefer a different path from the family business while perhaps maintaining an equity stake. Also, circle back around and make sure all interested parties understand the succession plan after it is finalized.

Keep in mind that a succession plan isn’t just about naming an heir; it’s also about navigating tax laws and minimizing the financial burden on family members. The financial aspect of a succession plan can be complex. An attorney and/or financial planner can walk you through the process, make sure you’ve tied up loose ends and help you ease the potential financial strain on family and the business.

A succession plan is also about management and making sure the company can run smoothly in your absence. Is staff trained to carry on the without you (this includes the high-level strategic plan as well as the day-to-day basics of making the business work)? Do you have an aging workforce nearing retirement themselves? Consider creating basic succession management plans for key staff to ensure continuity in service and productivity should someone else depart. And consider how involved – if at all – you want to be when the torch is passed.

Customer loyalty for a small business often rests on the owner. Customers might head off to the competition if they think that the company can’t carry on without you. Consider how you can make the transition seamless for customers and not lose the trust they’ve built in your company should you leave. Encourage relationships between customers and other staff so they know the business is more than just you.

Lastly, revisit and revise the succession plan every few years. Make sure it continues to reflect the current status of the business as well as your family situation.

Pam King is president/CEO of the Better Business Bureau serving Northern Colorado and Wyoming. She can be reached at pking@wynco.bbb.org

BBB Advice on Hiring Snow-Removal Contractors

2/4/2011

Posted on 2/4/2011 by
The cold weather is here and some locations have received several inches of snow fall. Removing mounds of snow can be a chore. Perhaps your plan is to leave the shovel in the garage this winter and hire a snow-removal contractor instead. Before you do, the Better Business Bureau recommends the following tips:

Get several estimates. Prices can vary widely and are usually based on the amount of work, which takes into account the layout of the property, size of the area to be cleared, and whether the customer, in addition to plowing, requests shoveling or snow blowing to remove excess snow from other areas. Remember, the least expensive service is not always the best service.

Ask the contractor about additional charges and price options. Beside the quoted price, there are sometimes additional charges during large storms. After the snow reaches a certain depth, some snow-removal contractors charge by the inch, so you'll want to find out how the company calculates the size of the snowfall. Other contractors may offer a fixed price for an entire season, regardless of the amount of snow.

Make sure you know what services you're getting. Find out exactly what's included in the estimate. Are the walks and steps included? What about the cost of sand and salt? Will the company clear only after the storm, or during the snowfall as well? If the contractor has to come back, is there an additional charge? Ask if the company will remove heavy snow loads from a building roof top? Is there an additional charge?

Ask for references and check them out.

Check with the Better Business Bureau for a Business Review on the contractor you plan to use.

Do not settle on an agreement over the telephone. The contractor should provide you with a written agreement. A representative should come out to examine your property and make notes about the service requested and potential obstacles. Before you sign the agreement, ask who will be responsible for damages, such as cracked driveways or broken gates. Ask if the contractor is insured or bonded. Also, find out how you can terminate the agreement if necessary.

Your expectations should be realistic. Keep in mind that a snow storm makes traveling difficult for you and the contractor. During major snowfalls, workers are required to use more caution when plowing and traveling, therefore it may take longer for the contractor to reach you and do the contracted work.

Business Owners Favorite Target of Scammers

2/4/2011

Posted on 2/4/2011 by Luanne Kadlub

If you’re a business owner, you’re the target of scam artists worldwide. Phishing scams, overpayment scams and directory scams are right at the top of the list. Many of these scams have been around for years but go through minor revisions from time to time to keep you off guard.

Do you know what the top scams targeting businesses are? Do you know how not to become a victim? Check out our video blog and news article for important tips on keeping your business safe from scam artists.

BBB Attorney Target of Scam Artist

2/4/2011

Posted on 2/4/2011 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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Offers 7 Red Flags for Kids Surving the Web

2/3/2011

Posted on 2/3/2011 by
Knowing where your kids are can be a full-time job. Knowing where they are online — websites they visit and who they talk to — is even harder, but 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 the following situations:

A website asks for financial information. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

A website asks for personal information such as home address, first and last name, e-mail address, phone or Social Security number. Tell your kids that this information is valuable to companies that want to market products to them and also to identity thieves or predators online.

A stranger sends inappropriate pictures or inappropriate language, or wants to meet up. Talk to your kids about what constitutes 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 can seem harmless, but can provide important clues to predators. Approve any photos before your child posts them online until you feel they are old enough to make the right call.

You are 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 they should tell you about it 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 opens the door to 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 more than 10,000 television commercials, and the review of advertisements in print, radio and online media.

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.

Shopping for tax preparer doesn’t have to be taxing

1/31/2011

Posted on 1/31/2011 by

I’ve been lucky. I’ve had the same trustworthy tax professional ever since I decided that doing taxes is not what I like to do or want to do. If you’re not as lucky or you’re new to the area, you’re probably wondering how one starts “shopping” for an expert to do your income taxes.

Start by asking family, friends and colleagues for recommendations. But don’t take just their word. Check out the individual or business with the BBB, the state board of accountancy for Certified Public Accountants or the state’s bar association for attorneys. Find out if the preparer belongs to a professional organization that requires members to pursue continuing education and also holds them accountable to a code of ethics.

And don’t forget to ask about preparation fees, which vary according to the complexity of the return. Avoid preparers who base their fee on a percentage of the amount of your refund or who claim they can obtain larger refunds than other preparers.

Once the return is completed, review it for accuracy and ask any questions before signing it and sending it off to the IRS.

If you’re in a hurry to get your refund, you might be tempted to get a tax refund anticipation loan, often marketed as “rapid refunds.”

Refund anticipation loans, however, are similar to payday loans in that they’re short-term loans with high interest rates ranging from 50 to 500 percent. No that’s not a misprint.

And in some cases, these loans have hidden administrative fees. But wait, there’s more bad news. If the tax preparer makes a mistake in calculating your refund, you could be required to pay fines and fees on top of hefty interest.

The alternative is to file your return electronically and opt for direct deposit to a bank account. The IRS typically delivers refunds in as few as 10 days to consumers who follow this procedure, making most refund loans unnecessary.

If you don’t have a bank account the IRS has a new refund option for 600,000 low- and moderate-income taxpayers: a prepaid debit card. The cards, available only by invitation, can be used to get money from ATM machines or to buy goods and services from retailers. The cards arrive faster than checks, according to the IRS, and may allow consumers to avoid check-cashing fees.

One last bit of tax advice: The IRS typically contacts taxpayers by mail – not by e-mail, telephone or home visits.

Disregard any and all phishing e-mails presumably from the IRS saying there’s an issue with your refund, that you’re being audited, or that there’s a problem in processing your taxes. The e-mail often includes a link to a website set up by scammers where victims are asked for Social Security numbers along with bank account or credit card information. Some sites automatically install viruses or other malware on computers.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

It's a New Day

1/28/2011

Posted on 1/28/2011 by Luanne Kadlub

Every once in a while you run across a blog that confirms you’re doing the right thing – and doing it well.

Such is the case with a blog penned by Joe Pistell in DealerRefresh, a website for Internet car sales people. “The BBB has what Google wants. A Brand known everywhere, a new website makeover, a decades old dispute resolution system, a simple grading system, AND it’s reporting transparency. All the above makes the BBB website the mother of all review sites. For the Google’s search quality team, it’s got HOMERUN written all over it! Oh, did I mention it’s a non-profit organization? IMO, it’s indisputable that the BBB is one of those I say it’s a new day for the Better Business Bureau.”

Click here to read the blog in full.

Don't Let Scam Artists Score on Super Bowl Sunday

1/27/2011

Posted on 1/27/2011 by

Every year at the Super Bowl, between 100 and 250 fans discover – too late – that they’re holding phony tickets to the big game, according to the NFL.

To ensure you’re not left standing outside Cowboys Stadium come game day, the Better Business Bureau serving Northern Colorado and Wyoming advises ticket-buyers to use caution in purchasing Super Bowl tickets and travel packages. For example:

• Try to deal with “official” sources for tickets such as those endorsed by the teams or those that are members of the National Association of Ticket Brokers. These businesses carefully screen ticket offers and take other measures to protect consumers from ticket fraud.

• Verify the location of the seats against a seating chart to avoid nonexistent seats or seats with obstructed views.

• Pay with a credit card or a secure form of payment in case you need to dispute charges.

• Avoid buying tickets from someone who asks you to pay with Western Union, which can happen on such sites as eBay and Craigslist. Try to buy from someone local and pick up the tickets in person. If this is not possible, ask the seller to e-mail or fax you a copy of the actual tickets before making a payment. Make sure the tickets have the correct date, time, location and seat details.

• Avoid tickets from a seller who is not located in the United States, especially if the listing is poorly written and full of spelling and grammatical errors.

• Under the Department of Transportation's Truth in Ticketing rule, travel companies that advertise Super Bowl packages must have the tickets in hand or a written contract to receive them. If a travel operator sells a package that includes game tickets and then fails to provide them, customers are entitled to a full refund, including airfare and hotel.

• Verify that any travel agent with whom you are dealing is a member of a recognized trade association.

Start With Trust. For more reliable consumer tips, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

5 Tips for Volunteering

1/20/2011

Posted on 1/20/2011 by

If you choose to donate your time, the BBB Wise Giving Alliance recommends taking the following five steps

Identify your skills. Volunteer 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 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 personal passions. If you’re a runner, consider a marathon fundraiser. If you like history, look for opportunities to help out at a museum.

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 a long-term commitment as a reading tutor. It’s better to volunteer the amount of time you can reasonably handle rather than drop out in the middle of a long commitment.

Research the charity thoroughly. Research the charity before you volunteer to make sure the organization has a commitment to standards and accountability. View BBB Wise Giving Alliance evaluations on nationall national charities for free at www.bbb.org/charity.

Commit to stick with it. 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.

In addition to local volunteer resources, following are 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

Start With Trust. For more advice on volunteering and to view charity evaluations on national organizations, visit www.bbb.org/charity.

Seven Scams that Target Small Businesses

1/19/2011

Posted on 1/19/2011 by

Being vigilant against fraud is not only important for a company’s bottom line, it also strengthens customer trust in the business. Becoming a victim of fraud can have a negative financial and reputational impact on a business and the Better Business Bureau recommends owners train their staff to look out for seven common scams that prey on small companies.

Every year the BBB receives thousands of complaints from small business owners who fell for an invoicing scam or were misled into paying for products and services they didn’t want. Scammers aren’t always trying to steal money from a business; sometimes they are after a company’s financial or customer data and will use many kinds of high and low-tech methods for getting it.

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “Because small business owners often lack the time and resources to fight fraud, they are a popular mark for any number of different scams.”

The BBB warns business owners to look out for the following seven scams that target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. The scammer will call the business claiming they want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping they won’t notice a bill for office supplies such as toner or paper that the company never ordered.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites such as eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is, a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. Learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but its reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails target small business owners with the goal of hacking into their computers or networks. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit www.bbb.org/us/Business-Resources/.

Look for Seven Red Flags When Applying to a For-Profit College

1/18/2011

Posted on 1/18/2011 by

Enrollment at for-profit schools has skyrocketed to 1.8 million students, a signficiant increase in students from a decade ago, according to the U.S. Department of Education.

However, an investigation by the U.S. government Accountability Office has found some schools mislead students about both the coast and quality of education they will receive.

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

Recruiter uses high-pressure sales tactics. If a sales rep subjects you to high pressure sales tactics, walk away. A reputable school takes time to answer questions, allows you to talk to a financial aid adviser and doesn't push you into hasty decisions.

Recruiter exaggerates potential income or guarantees a job.
Beware of any school that guarantees you will get a job after completing its and/or make a certain income. Confirm this with a third party.

Prices are inflated when compared to other options. A recent GAO investigation alleged price gouging at some for-profit schools. One school charged $14,000 for a certification in massage therapy while a similar program at a local public college cost $520.

School is not accredited. Accreditation is 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 U.S. 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.

Degree or program seems too easy to obtain. Diploma mills pose as online schools and often promise a cheap and easy degree based on an online test or life experiences. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges.

School doesn't disclose information as required. Some 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.

Recruiter encourages you to lie on financial aid forms. The GAO report also found that some recruiters encourage 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/

Beware 7 Red Flags When Applying to For-Profit Schools

1/14/2011

Posted on 1/14/2011 by

Enrollment at for-profit schools has skyrocketed to 1.8 million students, a significant increase in students from a decade ago, according to the U.S. Department of Education.

However, an investigation by the U.S. Government Accountability Office has found some schools mislead students about both the cost and quality of education they will receive.

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

Recruiter uses high-pressure sales tactics. If a sales rep subjects you to high pressure sales tactics, walk away. A reputable school takes time to answer questions, allows you to talk to a financial aid adviser and doesn’t push you into hasty decisions.

Recruiter exaggerates potential income or guarantees a job. Beware of any school that guarantees you will get a job after completing its program and/or make a certain income. Confirm this with a third party.

Prices are inflated when compared to other options. A recent GAO investigation alleged price gouging at some for-profit schools. One school charged $14,000 for a massage therapy certificate while a similar program at a community college cost $520.

School isn’t accredited. Accreditation is important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. Check with the U.S. Department of Education at http://ope.ed.gov/accreditation/ to learn which post-secondary schools are accredited.

Degree or program seems too easy to obtain. Diploma mills pose as online schools and often promise a cheap and easy degree based on an online test or life experience. Unfortunately, such diplomas aren’t worth the paper they’re printed on and aren’t recognized by the military, employers or other colleges.

School doesn’t disclose information as required. Some 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.
Recruiter encourages you to lie on financial aid forms. The GAO report also found that some recruiters encourage 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 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.

Start With Trust. For more consumer tips and information, visit www.wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Tips for Keeping Resolutions

1/10/2011

Posted on 1/10/2011 by Luanne Kadlub

How are those new year’s resolutions working out? Dust already collecting on the treadmill? Cold weather not conducive to heart-healthy meal planning? Your next-door neighbor really is a jerk?

Never fear, the BBB is here – with a reminder that your resolution to not fall victim to scam artists is an easy one to keep. It begins by using common sense and paying attention to that gut feeling that something is amiss.

For example, you know that:

• You can’t win something – sweepstakes, lotteries – that you didn’t enter;

• Depositing checks and wiring funds out of the country is money laundering, not a fantastic work-from-home opportunity;

• Your financial institution does not need to “verify” account information – they already have it;

• “Free” trials almost always have a Catch-22 in the form of monthly fees that show up on your credit card; and

• Your grandson/granddaughter are not in dire straits somewhere in Europe and in need of a $2,000 wire transfer ASAP.

And since you know these things, what will you do if you get e-mail, snail mail or even a phone message referring to any of the above? Delete, shred or hang up.

What else are you doing to keep new year’s resolutions?

BBB Lists Top 10 Scams & Rip-Offs of 2010

1/6/2011

Posted on 1/6/2011 by

Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in 2010, according to the Better Business Bureau, which has released its list of top 10 Scams and rip-offs of 2010.

“With the economy still on the mend, scammers had a field day targeting struggling families looking for work and trying to make ends meet,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “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 the BBB’s list of top scams and rip-offs of 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 – Complaints to the BBB about debt-relief and settlement services increased by approximately 30 percent in 2010, according to tentative year-end estimates. These companies often require upfront fees and potentially leave the consumer drowning in even more debt.

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 found that opportunities to work from home were in fact jobs 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 more than 40 percent, according to BBB estimates. Timeshare owners desperate to get rid of their costly vacation properties are targeted by companies that claim they have eager buyers. After paying upfront fees – often thousands of dollars – for the service, the seller never hears from the company again.

“Free” Trial Offers – Misleading free trial offers 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 roofs or conduct other work to their homes. Complaints to the BBB about roofing companies increased by roughly 40 percent in 2010, according to tentative estimates, due in part to 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. Millions fall victim to identity theft every year through low-tech theft, phishing e-mails, vishing phone calls, smishing text messages, or even through no fault of your own as the result of a corporate data breach.

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

Overpayment Scams - Overpayment scams typically target small business owners, landlords or individuals with rooms to rent, and sellers on classifieds sites such as Craigslist. 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, the credit card or check is stolen or forged and the victim is out the money wired back to scammers.

Start With Trust. Consumers or small business owners victimized by a scam can contact their local BBB at 970-484-1348 or 800-564-0371 or file a complaint at wynco.bbb.org. Always research a business with BBB before you sign any contracts or hand over any money.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

10 Questions to Ask Before Joining a Gym

1/6/2011

Posted on 1/6/2011 by

Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. And problems with gym memberships are among top reasons consumers nationwide call the Better Business Bureau.

In 2009, the BBB received 7,787 complaints – a 21 percent increase from 2008 – about gyms and health clubs, putting the industry in the top 20 for most complained-about businesses.

“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 Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “Always check the health club out with your BBB, inspect the facilities closely and read the contract carefully, making sure that all promises are in print.”

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

Questions to ask yourself:
1. What are my fitness goals?
Determining your fitness goals in advance will help you select a facility that is appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.
2. Is this location convenient?
Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.
3. Can I 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.
4. 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 time to read the contract thoroughly, tour the facilities and make an informed decision.
5. Did I get everything in writing?
Read the contract carefully and make sure that all verbal promises are in writing. What matters is the document you sign; don’t just take a salesperson’s word for it.

Questions to ask the gym:
1. What are the terms of introductory offers?
Make sure you understand the terms and what the price will be once the introductory period is over.
2. Will my membership renew automatically?
Every year, the BBB receives complaints from people who joined a gym and didn’t realize their contract would renew automatically and that they would have to take specific steps to cancel it.
3. How can I get out of my contract?
Getting out of a gym contract isn’t always as easy as getting into one. Make sure you understand the steps needed to cancel your membership
4. What happens if I move?
Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if other locations are nearby.
5. What happens if you go out of business?
The BBB often receives complaints from people after their gym suddenly closes. Ask the gym to explain what happens to your money if they go out of business.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Resolve to Always Check Out a Business

12/30/2010

Posted on 12/30/2010 by Luanne Kadlub

A new year, a fresh start. If you’re like many, your list of resolutions probably includes one or more of the following:

Get fit
Eat healthy
Lose weight
Be a kinder, gentler person
Read more
Spend more time with the “fam”
Check out a business before doing business

If the last one isn’t on your list, it needs to be. You’ve worked too hard earning your money to throw it away at business that is subpar, has a mountain of complaints or doesn’t even exist.

Checking out a business is easy. Visit wynco.bbb.org, clickon “check out a business” and type in the name of business. This takes you straight to the company’s BBB Business Review.

It’s that simple. Try it today!

If you check out businesses regularly, has there been a time when you were glad you took the time to do it?

Free Wi-Fi Scam Strikes at Airports

12/29/2010

Posted on 12/29/2010 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. The Better Business Bureau warns travelers about hackers who take advantage of travelers wanting to stay connected. They do this by setting up fake Wi-Fi connections designed to steal your personal information.

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 such as passwords, credit card and bank account numbers, and Social Security numbers from users' laptop computers. Airports across the nation continue to report Wi-Fi security issues.

The BBB offers the following advice:

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. A VPN establishes a private network across the public network, thus preventing hackers from intercepting your data.

For more information, visit www.bbb.org.

BBB Suggestions for New Year’s Resolutions

12/29/2010

Posted on 12/29/2010 by

It’s a new year and it’s time to make some resolutions. But you’re saying, “No one really keeps resolutions they make, so why bother?” And you’d be right – if we were talking about losing 20 pounds, exercising five times a week and being nice to friend and foe.

But of course we’re not. Instead, your resolutions should be to fight check fraud, always read the fine print, protect your identity, to beware of job offers promising easy money, and to research companies.

Let’s start with check fraud. The Federal Trade Commission receives more than 1,000 complaints about fake check scams every month. And according to the National Consumer Federation of America, nearly one out of three adults in the U.S. will receive at least one phony check. The most common fake checks are those for sweepstakes and lotteries, grants and work-at-home opportunities.

Resolve to never pay money to claim a “free prize.” Never cash checks and send the money somewhere as part of a job working from home. And never wire money to anyone you have not met in person.

Next, always read the tiny print at the end of online offers that you think, “Oh, I don’t need to read all of that.” Yes you do. Thousands of consumers – who didn’t read the fine print – complained to the BBB in 2010 after signing up for a “free trial offer” that resulted in mysterious and repeated charges to their credit and/or debit cards.

Resolve to always, always read the fine print.

Phishing scams refuse to go away because consumers continue to fall for them. It begins with an e-mail, phone call or text message advising you that there is a problem with a financial account and you’re instructed to call a phone number or click a link in an e-mail. You’re asked to provide verification information such as your Social Security number, pin number or bank account number. The e-mail or website looks legitimate and often contains the company’s logo. But they’re as phony as can be.

Resolve to never respond to online requests for personal and financial information. If you think it might be legitimate, contact your financial institution directly. Register your phone number on the Do Not Call Lists (donotcall.gov), obtain your free credit report once a year (annualcreditreport.com), always shred personal documents, and don’t leave mail in an unlocked mailbox.

Work-at-home scams continue to be on the BBB radar as scammers target the large pool of job seekers in northern Colorado and nationwide.

Resolve to beware of any job offers that promise big money for little or no work experience or that require you to deposit checks and wire money overseas.

And lastly, take the extra few minutes it takes to research companies before doing business with them and get everything in writing.

Resolve to look for the BBB seal and, if online, click on it to go to its BBB Business Review. Also, ask for references, verify company insurance and proper business or industry licenses, insist on written contracts and time to review it, and get everything in writing, even verbal promises.

BBB tips for Determining Phony Lottery or Sweepstakes

12/29/2010

Posted on 12/29/2010 by

You are a winner! Or so scam artists want you to believe. Consumers across the U.S. and Canada frequently contact the Better Business Bureau to inquire about the legitimacy of mail and e-mail announcing they’ve won substantial sums of money in a sweepstakes or lottery.

To help consumers identify a lottery scam, the BBB provides the following:

How was the lottery notification delivered? If you receive notification by regular mail or e-mail, there is a good chance it is fraudulent. Legitimate lotteries usually send winning notices by certified mail, Federal Express, UPS or DHL. On the other hand, if you play the lottery online, you may be notified by e-mail. However, you still must log into your account to check your winnings and choose whether you want to be paid by check or by a credit to your credit card.
Does the notification appear to come from another country? U.S. citizens should know that it is illegal to participate in a foreign lottery by using U.S. mail services.
Were you sent a check or money order with the notification? Fraudulent promoters sometimes send a check or money order along with notification to convince you they are real. While the checks and money orders may look official, they are counterfeit.
Are you asked to wire transfer money or mail a personal check to cover some type of fee or taxes? Fraudulent promoters ask you to deposit the check or money order and then instruct you to wire money or send a personal check back to them to cover what may seem like legitimate fees, such as processing, administrative, handling or tax fees. They also may instruct you to call a number to claim your winnings. If you deposit a bogus check or money order in your bank account, you will be held responsible for any money you spend or send to anyone else.
Does the lottery promoter’s name and address on the check match the name and address on the envelope? In many instances it does not. The company name is usually different on the check, the bank name on the check is phony and the account number stolen – making the check a counterfeit. Sponsors of legitimate lotteries and sweepstakes identify themselves prominently on checks and envelopes.

Cause-Related Marketing a Win-Win for Small Businesses and Charities

12/22/2010

Posted on 12/22/2010 by

Cause-related marketing is a great option for small business owners to help a charity and generate goodwill for the company. Whether it’s donating proceeds from sales to a charity or encouraging customers to give, BBB Wise Giving Alliance recommends that small business owners consider the benefits of partnering with a worthy cause.

According to The Chronicle of Philanthropy, at the close of 2008, 60 percent of small business owners reported that the tough economy had affected their charitable giving. When times are tight, businesses may need to get creative about helping charities. Cause-related marketing is a great option for businesses that can’t necessarily write a big check.

Breast cancer awareness month is an example of the impact cause-related marketing can have. Bright pink ribbons were everywhere in October as businesses donated proceeds from regular sales or from limited-edition pink items.

Embedded giving is another way that businesses can partner with charities to raise money. Embedded giving is common at stores where customers are asked at check out if they want to donate to a charity and then the desired amount is tacked onto their total bill.

“Times are tough for small business owners, but that doesn’t mean they can’t be good corporate citizens and help out a worthy cause,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “By partnering with a charity, small businesses can help raise awareness as well as money for the cause and generate goodwill for the company in the process.”

Before soliciting donations on behalf of a charity, or engaging in any cause-related marketing efforts, the BBB Wise Giving Alliances offers the following advice to small business owners:

Do your research
When choosing a charity to donate, always research the organization thoroughly. Visit its website and look for details on the charity’s programs, finances and governance. And always check the charity out with the BBB Wise Giving Alliance to see if it meets the 20 Standards for Charity Accountability.

Get formal permission from the charity
Charities are trademarked entities, so before you place its logo on marketing materials, contact the charity to get permission to use its name and likeness. It might also have ideas for cross promotion or additional ways you can help out.

Include the right disclosures
At some point prior to the purchase, the customer should be presented with the following information:
• How much from each purchase will go toward the charity.
• Time frame for the campaign.
• If applicable, the minimum or maximum amount that the charity will receive.

For more advice on being a savvy donor and to review BBB Wise Giving Alliance evaluations on more than 1,200 national charities, visit www.bbb.org/charity.

BBB Warns Veterans About Phony E-Mail

12/22/2010

Posted on 12/22/2010 by

Veterans nationwide are reporting to the Better Business Bureau Military Line that they have received a forwarded e-mail claiming to be from an official at the Department of Veterans Affairs with the subject line: “Warning to Veterans!!”

The e-mail, which includes a Facebook link, warns veterans about using an organization called Veterans Affairs Services because it allegedly provides VA benefits counseling and gathers personal information without veterans’ authorization. The e-mail asks veterans to send information about VAS violations of the U.C. Code to Michael Daugherty, staff attorney at the VA Office of General Council.

BBB Military Line contacted the VA to ask if the e-mail was legitimate, and received this response: “We checked with Mr. Daugherty, who is an attorney in the VA Office of General Counsel, who reports the e-mail did not come from his office. He said there is no current official communication by the Department of Veterans Affairs (VA) regarding Veterans Affairs Services. Veterans seeking the assistance of a VA-recognized service organization for purposes of submitting a claim for VA benefits may search for VA-recognized organizations at the General Counsel's accreditation search page: http://www4.va.gov/ogc/apps/accreditation/index.asp. We're not sure where the e-mail originated or the purpose, but again, it did not originate from VA.”

The BBB advises veterans to use caution when providing information to individuals or organizations who say they can help obtain VA benefits. Before dealing with anyone who offers help of this sort, check them out at the VA link above – and check them out at www.bbb.org, too.

Also, never click on a link in an unsolicited e-mail from someone you don’t know, Scammers use this tactic to infect computers with malware.

Start With Trust. To learn more about BBB Military Line, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

BBB Warns About Microsoft Phishing Scam

12/22/2010

Posted on 12/22/2010 by

The Better Business Bureau serving Northern Colorado and Wyoming reports that its phone lines are lighting up from consumers receiving phishing phone calls from people claiming to work for Microsoft.

The phishing scam works like this: Callers impersonating Microsoft representatives claim they’ve been notified by your virus provider about serious virus issues on your computer.

The caller warns that if the problem is not solved, your computer will become unusable. You’re then directed to open a computer program that shows a long list of errors. In order to “fix” it, you’re directed to a website and told to download a program that hands over remote access to your computer. And then your offered a preventative service for a fee.

The catch? There is nothing wrong with your computer, the caller does not work for Microsoft, and you have just given a complete stranger access to every piece of data on your computer.

The BBB has confirmed with Microsoft that the company does not make unsolicited phone calls to fix personal computers. Once the crooks gain your trust, they attempt to steal from you and damage your computer with malware including viruses and spyware.

The BBB advises consumers to:

Treat all unsolicited phone calls with skepticism. Check with the organization directly, using contact numbers found on its website.

Do not provide any personal information. Phishing is an attempt to steal your identity, not just your money. Don’t provide personal information over the telephone or via e-mail.

Never provide credit or debit card information for payment. You may be able to reverse charges made through your credit card, but you’ve given enough information for fraudsters to use your account for other transactions. And debit purchases are difficult to reverse.

Report any fraudulent activity, especially if you’ve been a victim. Inform your credit card company that your account has been compromised, report the incident to the FTC National Resource for Identity Theft, http://www.ftc.gov/bcp/edu/microsites/idtheft/, change all of your passwords, review bank and credit card statements for unexplained charges, and install the most recent updates to your operating system and antivirus/spyware.

Protect Your Debit Card from ATM Skimming

12/22/2010

Posted on 12/22/2010 by

ATM skimming is a growing problem – Javelin Strategy & Research estimates that one in five people have been victims – and the Better Business Bureau recommends consumers take steps to protect themselves from becoming the next victim.

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. Card readers at gas pumps and retailers can be tampered with as well.

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

Protect your PIN – Cover the keypad with your other hand to prevent cameras from catching your PIN number. False keypads placed over the real keypad are another way scammers get PIN numbers.

Give it a wiggle – Skimming devices are often false panels attached to the ATM, such as over the card reader. 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 about ATMs – Avoid using ATMs in poorly lit or low-traffic areas. Experts recommend choosing bank ATMs over standalone ATMs in public places. Identity thieves are also known to attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on statements – Keep a close eye on your financial statements, especially the itemized breakdown of charges and debits, so that you can quickly report any suspicious activity.

Report Fraud Immediately – Report any fraudulent activity to your financial institution 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 account could be cleaned out and your financial institution might not reimburse you.

Start With Trust. For more advice on fighting identity thieves and preventing fraud, visit us online at wynco.bbb.org or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

Save Receipts for Many Happy Returns

12/16/2010

Posted on 12/16/2010 by

In just a few days, kids of all ages will be opening a plethora of presents and happy faces are sure to result. Or maybe not. The Christmas pajamas are a wee too small, the MP3 player doesn’t play and that sweater is, well, there’s no other word than “ugly” to describe it.

But never fear! Sixty percent of all presents under Christmas trees now come with gift receipts included, according to the National Retail Federation’s 2010 Holiday Returns Survey.

Although more gift-givers are tucking receipts inside gift boxes, most recipients don’t bother using them. Last holiday season, two-thirds of holiday shoppers didn’t return a single gift, according to the NRF.

If you’re not that lucky this year – the necklace isn’t your style and you already bought the must-have cookbook for yourself when it went on uber sale a week ago – then it’s time to join the masses lined up to return holiday gifts.

First, don’t delay in returning unwanted gifts. Most retailers have policies about how long you have to return gifts and they can range from 15 to 90 days or, in some cases, no limits.

Receipts are key to hassle-free returns. Some retailers allow consumers to exchange merchandise without receipts, but oftentimes only provide merchandise credit for the lowest markdown-price at which the item was sold during the holiday season. Also, some retailers deduct a restocking fee from the cost of the returned item.

Be sure to return all original packaging and all parts (including tags) when returning a gift. Some retailers won't accept returns unless the item is in its original package and many no longer accept special-occasion attire if all tags are not attached. If you plan to take back a gift after it is unwrapped, resist the urge to open it or play with it. No one wants to buy someone else's merchandise.

If making an online return, find out if you or the merchant pays for shipping. Some merchants pick up delivery charges for exchanges, but not for returns; others offer free return shipping on every return.

And if the online merchant has a physical store nearby, find out if you can return the item there.

But above all, practice patience. According to the NRF, the week after Christmas is one of the busiest weeks of the year for retailers.

’Tis the Season for Holiday Scams

12/16/2010

Posted on 12/16/2010 by

Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants. The Better Business Bureau warns holiday shoppers to look out for these common scams this season.

Scam shopping sites online
We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that seem too good to be true.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. Always check the business out with the BBB before you buy.

Finding the hottest toys and gadgets online
Every year, holiday shoppers fight over the “must have” toy or gadget. When the item is sold out in stores, you can often find it on Craigslist or eBay — for more money.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person; never wire money as payment. When purchasing items on auction sites, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall
While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Phishing e-mails – Phishing e-mails are a common way for hackers to get your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be UPS or FedEx with links to package tracking information.

BBB Advice: Don’t click on links or open e-mail attachments until you have confirmed they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags. Also, beware of unsolicited e-mails from companies with which you have no association.

Start With Trust. For more advice on being a savvy consumer this holiday season, visit us online at http://wynco.bbb.org/consumer-tips-holiday/or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

Santa Knows Who's Naughty

12/16/2010

Posted on 12/16/2010 by Luanne Kadlub

Santa may be a jolly old elf, but he’s not stupid. He knows who’s been naughty and nice. You and me? No question about it, we’re at the top of his “nice” list.

Wanna know who’s on the “naughty” list?

• Phishers – who send out phony e-mails in hopes that we truly believe our financial institutions need to update their information on us, including Social Security and credit card account numbers. Of course, they use the information to steal our identities.

• Nigerian letter-writers – who continue to write long-winded e-mails filled with misspellings and grammatical errors telling us we’ve been chosen to receive millions of dollars from an uncle/grandmother/husband who is terminally ill or who just died. All we have to do is, ahem, hand over our checking account numbers.

• Sweepstakes organizers – who mail you with news that you’ve just won a million-dollar sweepstakes and all you need to do to claim your prize is deposit the enclosed check in your bank account and wire a portion back to cover miscellaneous fees. Bye-bye hard-earned money! So long pipe dreams.

• Grant finders – who claim they’ll help you find free government grants for your business, for your education and for personal use for free! If you don’t read the fine print – and they count on the fact that most don’t – you’ll start seeing mysterious charges on your credit bill. Pssst. You can find out everything you need to know about federal grants at grants.gov. For free and no fine print!

Who else should Santa put on his “naughty” list?

BBB Poll Shows Shoppers Loosening Purse Strings for Holidays

12/14/2010

Posted on 12/14/2010 by

Fifty-three percent of shoppers responding to an online survey conducted by the Better Business Bureau serving Northern Colorado and Wyoming indicate they plan to spend more on gifts this holiday season than last year.

“This is an encouraging sign that consumers are beginning to regain confidence in their personal financial situations as well as the economy,” said Pam King, president/CEO of the BBB serving Northern Colorado, which conducted the poll.

The BBB poll is in line with other statistics that indicate consumers are indeed spending more at both bricks-and-mortar retailers and online merchants this holiday season.

The National Retail Federation, for example, projects that 2010 holiday sales will increase 2.3 percent from 2009. If correct, this translates into $447.1 billion in sales for the season, up from $437.02 billion last year.

As holiday shopping ramps up, the BBB reminds shoppers to first check out businesses with the BBB at wynco.bbb.org/Find-Business-Reviews/

Start With Trust. Visit wynco.bbb.org/consumer-tips-holiday/ for holiday tips ranging from finding a kennel to donating to charities or call 970-484-1348 or 800-564-0371.

This Holiday Season, Give Wisely With Advice from BBB

12/14/2010

Posted on 12/14/2010 by

Consumers have many ways they can contribute to charities this holiday season thanks to technology and the creativity of charities. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

Give items – Many organizations solicit coats, toys and canned goods during the holiday season. Whatever you donate, make sure the items are clean and in good condition.

Give when you shop - Many charities partner with businesses that agree to donate some amount of the purchase price from sales to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also, some businesses, such as grocery stores, ask if you want to donate to a charity and have that amount added to your receipt. This is called embedded giving.

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

Give through text messaging – The option to give via text message took off in the wake of the earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take months to reach the charity.

Give your time – Consider giving your time. In addition to volunteering around the holidays, you can also be a vocal supporter for a charity and help raise awareness among friends and family and on your Facebook page or blog.

Military Members At Risk for Identity Theft

12/14/2010

Posted on 12/14/2010 by
Members of the military are no strangers to offering up their Social Security numbers. The unique number is used to identify laundry bags, to check out basketballs from the gym, and filling out health forms. However, this practice subjects military members to an increased threat of identity theft, reports the New York Times.

The conclusion comes from a report written by ex-Army intelligence officer, and now West Point professor, Lt. Col. Gregory Conti. He calls for the riddance of the identification system used since the 1960s.

Representatives from the military say they are trying to fix the problem, with the Navy and Marines being the first to do so. A statement by the Department of Defense states that social security numbers will no longer be printed on new military ID cards starting in May.

Recently, there have been instances of identity theft rings targeting soldiers, accessing important information that can damage credit, and ruin the chances of receiving a security clearance or promotion.

To read the full article, click here.

Check Privacy Policy on "Dear Santa" Websites

12/14/2010

Posted on 12/14/2010 by

New York, NY – 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.

Moving Brokers Face New Federal Requirements

12/9/2010

Posted on 12/9/2010 by

The Federal Motor Carrier Safety Administration (FMCSA) recently granted a petition by the American Moving & Storage Association (AMSA) to require interstate household goods brokers to abide by a number of rules and consumer requirements already in place for household goods carriers.

“Few, if any, consumers understood the distinction between brokers and carriers, leaving them feeling cheated of their rights,” said Linda Bauer Darr, AMSA president and CEO. “This action by the federal government closes a loophole that too many of these middlemen have been exploiting for years. In some cases, brokers connected consumers with fly-by-night rogue operators, posing as movers, and were ripped off.”

According to the American Moving & Storage Association, the new rule includes requirements that brokers: 1) must include their US DOT number in their advertisements and on their websites; 2) must provide the same consumer information brochures as required of interstate household goods carriers; 3) must make clear their policies on deposits, cancellations, and refunds; and 4) by January 1, 2012, must provide an increased $25,000 surety bond (currently $10,000).

Moving brokers have sprung up in the metro area in recent years and while most do not appear to be problematic, one company called Royalty Relocations has an F rating with the BBB for having unanswered and unresolved complaints as well as a revoked permit from the Colorado Public Utilities Commission. The PUC revoked their permit on November 30^th for cancelling their insurance policy.

Consumers planning a move should take the following BBB advice:

· Check out movers with the Better Business Bureau. BBB reports give information about complaints, time in business, licensing, etc. Visit wynco.bbb.org or call 970-484-1348 or 800-564-0371..

· Do not do business with an intrastate mover that is not licensed with the PUC and do not do business with an interstate mover that is not licensed with the FMCSA. Always verify licenses yourself; do not take the business’ word for it.

· If you hire a moving broker, get the details on who is actually going to do the move and who is responsible for what. Also verify that the broker and the mover meet established and new government requirements.

# # # #

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.

’Tis the Season to Beware a New Breed of Cybercriminals

12/4/2010

Posted on 12/4/2010 by

I am among the multitude of people asking Santa for a smartphone for Christmas. Whether or not I’ll find one under the tree is entirely up to the jolly old elf. But I do know this much: The minute I unwrap it, the first thing I’ll do is disable the GPS option so that the world – and especially cybercriminals – won’t know where I am or, more importantly, where I am not.

With unbridled demand for an ever-connected universe resulting in an ever-increasing array of smart devices – cell phones, mP3 players, and any other gizmo with a GPS chip – it was only a matter of time before scam artists found a way to make our fun pay off for them.

The bad guys are called “cybercasers” and you need to cut them off at the pass before they break into your unattended house and help themselves to your jewels, your HDTV, your computer, even your son’s Thomas the Tank train set while you’re enjoying a latte with friends or riding the waves on Waikiki Beach (you posted photos, remember?).

How do they do this? Take Craigslist for example. You post an item for sale and include a photo. Imbedded in the photo is a motherlode of information including the time it was taken, the date and even the location. Cybercriminals see your ad and compare the geo-information with Google Street View. Bingo: They’ve got your street address. And, if you’re like many Craigslist sellers, you probably added a line about the best time to call.

But it’s just not Craigslist that can open your home to criminals. If you upload videos to Flickr, you are at risk; if you check in at a location via Foursquare, you are risk; and if you text – that includes just about all of us! – you are at risk

Along with the growing number of devices with geo-information capabilities are a growing number of apps for smart devices designed to continuously report your location.

What can you do? Learn which devices and sites automatically use geo-information by default and which ones require you to opt-in. Decide if and how you want your information to be put out into cyberspace for the masses to view. And then do it.

And for now, that’s all you can do.

Start With Trust. For more advice on staying safe online this holiday season, visit wynco.bbb.org/consumer-tips- holiday/ or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

BBB Tips on Finding a Trustworthy Kennel for Your Pet

12/4/2010

Posted on 12/4/2010 by

As much as pet owners may want to take their furry or feathered friends wherever they go, sometimes it’s not practical. This is why finding a kennel or pet care service you can trust is paramount.

Every year, the BBB receives hundreds of complaints nationwide from pet owners about kennels. Complaints range from disputes over billing to treatment of the pet. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks and even maggots. Worst-case scenarios include pets that became extremely ill from their stay at poor facilities that resulted in lengthy stays at the animal hospital.

If you are looking for a reliable kennel for your pet during the holidays or any time of the year, the BBB recommends the following checklist:

Check the kennel out with the BBB first to make sure they have a good track record for keeping customers satisfied.
Ask friends, neighbors, veterinarian or local animal shelters for recommendations.
Personally visit the facilities. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.
If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.
Ask how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.
If your state requires inspections, look for the certificate on the wall and make sure the kennel is properly licensed.
Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.
Note the friendliness of staff members and how they interact with other boarding pets. Ask about their backgrounds and experience.
Make sure the facility requires that all entering pets have proof of immunization and ask about their policies regarding flea and tick control.
Ask about the hours for drop off and pick up and make sure you understand the billing policy.
Finally, ask what happens in the case of a medical emergency or other unexpected situation.

Beware of Misleading Shipping and Handling Fees and Fraudulent Shipping Schemes this Shopping Season

12/2/2010

Posted on 12/2/2010 by
The holiday shopping season is in full swing and will peak within the first week of December. If you are planning to buy gifts online or from infomercials on television, tne Better Business Bureau has a warning about the way retailers make money on your orders by charging separate shipping and handling fees. And regardless of where you order from, BBB cautions that shipping service phishing scams are intended to steal your identity or infect your computer.

Some retailers are finding ways to make extra money with special promotions such as “order now and we’ll double your order,” or “buy now and we’ll include a free gift” – it may sound like a good deal at first, until you realize that you will be charged separate shipping and handling fees on each item, including the “free” gifts and the “bonus” products. All of these shipping and handling fees can actually add up to more than the total cost of the products you’re ordering.

Recent consumer complaints allege deceptive advertising and sales practices, which include failing to disclose shipping and handling fees prior to purchase, and charging fees for products advertised as “free.”

BBB Tip - If you are buying online or by telephone, make sure you know the full cost of shipping and handling before you authorize the transaction and your credit card is charged.

With only a few weeks left to get holiday cards and gifts sent to loved ones, another risk consumer’s face is phishing scams. Scammers are pretending to be customer service personnel from some of the biggest names in business—including FedEx and UPS. Hackers are impersonating well-known companies in order to gain access to your computer drives, files and accounts to steal your personal information including Social Security, bank or credit card numbers.

Hackers send phishing e-mails from “shipping companies” claiming that there is a problem with package delivery. Commonly, the e-mail will include a hyperlink for recipients to click on that will take them to another website that might install malware or solicit personal information. A message currently making the rounds has a subject line that looks like, “Subject: Tracking Number 13040065504.” The body of the message claims that a package could not be delivered and advises the recipient, “to print the copy of the invoice that is in the added file.” The attachment is actually a virus that will infect the computer.

BBB Tip - Instead of clicking on a link in this or any other suspicious e-mail, go directly to the shipper’s website or contact the company via telephone to confirm there is a shipping problem. Do not open attachments or click on links in any unsolicited e-mail.

For more consumer holiday tips, visit http://wynco.bbb.org/consumer-tips-holiday/

BBB Accreditation

12/2/2010

Posted on 12/2/2010 by Luanne Kadlub
What does BBB accreditation mean?
How does a business become accredited?
What are BBB's Standards of Trust?
What does the BBB dispute resolution process entail

BBB Offers Safe Shopping Tips for Cyber Monday

11/23/2010

Posted on 11/23/2010 by

Cyber Monday — the Monday following Thanksgiving — is now the most popular day to shop for the holidays, surpassing Black Thursday. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers.

In order to fight online grinches, the Better Business Bureau recommends these tips for staying safe when holiday shopping online.

Protect your computer. Always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

Shop on trustworthy websites. Start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other recognized trustmarks on retailer websites and click on them to confirm authenticity.

Protect your personal information. Read the website’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, consider it a red flag that personal information may be sold to others without permission.

Beware of deals that sound too good to be true. Don’t be afraid to turn down an online deal or unsolicited e-mail offer that sounds too good to be true.

Beware of phishing. Be wary of e-mails claiming problems with your order or online account to lure you into revealing financial information. If you receive such an e-mail, call the contact number on the website (not in the e-mail) where the purchase was made to confirm a problem exists.

Confirm your online purchase is secure. Always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. The BBB recommends right-clicking anywhere on the page and selecting “Properties.” This lets you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

Pay with a credit card. Under federal law, you can dispute credit-card charges if don’t receive the item. Never wire money and only shop locally on sites like Craigslist.

Keep documentation of your order. Save and/or print the online receipt or purchase confirmation along with any e-mails for future reference and as a record of the purchase.

Know your rights. Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

Start With Trust. For more advice on staying safe online this holiday season, visit wynco.bbb.org/consumer-tips-holiday/ or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

10 Tips for Busting Holiday Stress

11/22/2010

Posted on 11/22/2010 by Luanne Kadlub

Shopping, traveling, shopping some more, holiday parties, shopping, holiday dinners, visiting relatives, decorating, shopping …

Feeling the stress? You’re not alone. What’s billed as the happiest time of the year often becomes the most stressful. It’s a season filled with long lines at department stores, even longer lines at the airport; gifts to buy, but no money to pay for them; cookies to bake and halls to deck, but no time to do it; a wish for peace and goodwill, but headlines that say the opposite.

So what’s a consumer to do? Give yourself a break. Take 10 and do something just for you. Here are some ideas to get you started:

• Sing! In the shower, in the car, at your church.
• Do a little dance! It’s aerobic and fun – need I say more?
• List 10 things you’re grateful for – and then revisit the list when tension starts to build.
• Go for a walk, even if just around the block.
• Visit a park and ride the swings, go down the slide.
• Watch a lighthearted movie, or even cartoons.
• Play with Fido or Princess.
• Get rid of clutter at home and the office.
• Go ahead and bake those cookies!
• Always check out a business with the BBB before making a purchase.

Tips from an Extreme Black Friday Shopper

11/19/2010

Posted on 11/19/2010 by Luanne Kadlub

When the topic of Black Friday shopping came up – and who, if anyone from our office, was going to join the madding crowds – no one was prepared to learn that we have an extreme shopper in our midst.

If it’s safe shopping tips you want, visit the BBB holiday tips page.

If what you want to know is how to shop on Black Friday without going stark-raving crazy, then you’ll want to try some of Kyle’s game-day tips!

Kyle and his posse actually begin their shopping adventure on Gray Thursday (that’s Thanksgiving for the rest of us). After a day of fun and food, all in the shopping party go down for a two-hour nap. Refreshed, they head out to arrive at the outlet mall by 10 p.m.

The key to successful shopping is to coordinate with your party – the more people the better, and you’ll see why in a bit – all of the stores that need to be visited. Start with the ones you have in common and work your way through the list.

The first person into the store heads straight for the checkout line and all others start shopping. The person in line is relieved after five or 10 minutes until everyone has had a chance to shop. When the group’s place in the checkout line is three shoppers away from their turn, the place-saver starts yelling for the others to get into line. Yes, they do yell. And hold up their hands while yelling if necessary.

How do others in the line respond to Kyle and his group? “People are always telling us what a good idea it is.”

BBB Tips for Squashing Cold and Flu Bugs in the Workplace

11/18/2010

Posted on 11/18/2010 by

Cold and flu season is setting in and close quarters in the workplace allow coworkers to easily trade germs.

The National Institute of Health reports there are more than 1 billion cases of the common cold annually in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

The Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

Build up an arsenal to fight germs. Tissues, hand sanitizer and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also, consider investing in no-touch trashcans.

Encourage people to stay home. Sick employees may think they’re being dedicated workers when they still come into work but, truth be told, they spread germs to other employees and cut down on overall productivity. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy — and appropriate technology — that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office – Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an onsite health fair with a company specializing in the service.

Set a good example – When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

Start With Trust. For more small business tips and information, visit us online at wynco.bbb.org or call 970-484-1348 or 800-564-0371 for reliable consumer tips and information. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

5 Steps to Creating, Keeping a Holiday Budget

11/18/2010

Posted on 11/18/2010 by

Unless you’re among a select group of people, sitting down and creating a budget is not much holiday fun. The Better Business Bureau recommends that mapping out your spending in November, however, will help ease the strain of a financial holiday hangover in January.

In fact, creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays. The BBB offers five steps:

Step One: Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses. Start with your rent or mortgage, utilities and credit card payments. Factor in other expenses for gas and car maintenance, health care and groceries.

Step Three: Estimate holiday expenses. Make an itemized list of gifts for family, friends and coworkers including what you’re willing to spend for each person. What will you spend on entertainment, both at home and at movies and restaurants? Will you need to purchase new decorations? Or will last year’s make do? Will you be traveling for the holidays? If so, consider the cost of gas, airline tickets and even pet boarding. And don’t forget to include donations to charitable causes.

Step Four: Revisit, evaluate and revise your budget along the way. Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine. Once you’ve balanced your budget, revisit it frequently during the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Plan for a small reward that you can earn if you meet your goals. If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

Start With Trust. For more holiday consumer tips and information, visit wynco.bbb.org/consumer-tips-holiday/ or call 970-484-1348 or 800-564-0371 for reliable consumer tips and information. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

5 Travel Tips for Staying Safe Over the Holidays

11/15/2010

Posted on 11/15/2010 by

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather all the way to Grandma’s house.

AAA estimates that that 87.7 million Americans traveled more than 50 miles over the holidays last year — 85 percent by car.

Your BBB recommends taking the following steps for safe driving this holiday season:

Create a car safety kit – Holiday driving often includes roads covered by snow and ice. You can prepare for bad weather by creating your own safety kit, which should include a blanket, flashlight with extra batteries, radio, first aid kit, jumper cables, nonperishable foods such as granola bars and nuts, bottled water, an ice scraper and warm gloves.

Take the car in for a checkup –If your car is due for a checkup, take it in before making a long trip. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

Take the BBB with you – When you’re away from home or in the midst of an emergency, it’s hard to know which businesses — such as tow trucks and locksmiths — you can trust. The good news is you can now rely on BBB’s mobile optimized website for finding businesses you can trust when you’re away from home.

Start early and slow down – The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents, which increase traffic even more.

Drop the distractions – According to the National Safety Council, 28 percent of accidents occur as a result of drivers talking or texting on cell phones. When you’re behind the wheel, don’t text and drive, use a hands-free headset when talking on the phone and get someone else to fumble with the GPS.

Start With Trust. For more advice on staying safe over the holidays, visit us online at www.wynco.bbb.org/us/consumer-tips-holiday/ or call 970-484-1348 or 800-564-0371.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

Package Delivery E-Mail Scam Arrives in Time for Holidays

11/15/2010

Posted on 11/15/2010 by Luanne Kadlub

While you’re getting your holiday happenings lined up, scam artists near and far are working as fast as Santa’s elves to unleash a plethora of scams designed to separate you from your spending money or to install malware on your computer.

Some scams worked so well in years past that scam artists are bringing them back for an encore.

At the top of that list is the UPS/FedEx/DHL/USPS package delivery scam. And just in time for the holidays when packages are delivered at break-neck speed!

The scam begins with an e-mail complete with a phony tracking number informing you that there was a package delivery error. You’ll be instructed to open an attachment to print out a correct delivery label that you’re supposed to take to the nearest UPS/FedEx/DHL/USPS office. Open the attachment, however, and you’ll open your computer to malware and virus attacks. That’s not a very happy way to spend the holidays.

The best present you can give yourself is to delete the phony e-mail.

How do you plan on shopping safe this holiday season?

BBB Warns: Dealer Cost Audio Ignores Hundreds Of Complaints

11/12/2010

Posted on 11/12/2010 by
Nov. 11, 2010 – More than 1,200 consumers across North America have filed Better Business Bureau complaints against California-based Dealer Cost Car Audio, many claiming they never received merchandise ordered through the company’s website.

Among them is a resident from Jennings, Mo., who was so upset about his dealings with Dealer Cost Car Audio of Santa Ana, Calif., that he sought out a personal meeting with Missouri Attorney General Chris Koster. Koster promised the state would look into the company’s operations. “I was played,” said the man, who lost more than $600 earlier this year when he ordered a car TV from the firm that was never delivered. “I would like to see them closed down.”

The BBB suggests extreme caution when dealing with Dealer Cost Car Audio or its website, www.dealercostcaraudio.com. The company has an “F” grade with the BBB in Los Angeles, Calif., the lowest grade possible.

The BBB warning comes as the holiday shopping season approaches and online purchases soar.

Of the 1,200 complaints filed with the BBB in the past 36 months, nearly 800 have been processed this year. The 2010 complaints have come from 48 states and several foreign countries. At least 10 complaints have come from each of 29 states. The most are from California (71 complaints), Texas (66), Florida (46), New York (43) and Illinois (35).

Michelle Corey, president and CEO of the BBB serving St. Louis , said the number of complaints filed against Dealer Cost Car Audio is extraordinary.

“Even more shocking, the company has failed to respond to nearly half of the almost 800 complaints filed this year,” Corey said. “Few businesses in recent BBB history have been as unresponsive to the concerns of their customers.”

BBB records in Los Angeles show Robert Jones as manager of the company. The company’s address is listed as 3337 South Bristol St., Ste. 211, a mailbox at an AIM Mail Center in Santa Ana.

In a recent e-mail response to the BBB, a person identified only as sales manager of Dealer Cost Car Audio said, “Each complaint is being addressed at this time, and we will be solving all the cases. There is a change of ownership underway.”

The company’s website sells stereo receivers, amplifiers, speakers, TV sets, radar detectors, security equipment and other automobile-related merchandise.

“Why pay retail when you can pay dealer cost!” the site says. The site promises “trustworthy and secure ordering” and a “great buying experience. We guarantee to exceed your expectations, the way a great buying experience should be.”

A college student and restaurant worker from Moscow Mills, Mo., said he paid $358 for a car amplifier in April. Despite numerous promises from the company via e-mail, he never received the amplifier or a refund. At one point, the customer became so exasperated that he threatened to sue the company and take his case to the media. Soon after, he said, the company stopped responding to him.

A man from Festus, Mo., said he ordered a car video player for a friend’s van for $150 in September 2009. The price was about the same as other online sites, but he decided to order from Dealer Cost Car Audio because it offered a three-year warranty. Despite a lengthy e-mail exchange with a company representative, the man never received the video player or a refund. He said he was so frustrated by the experience that he gave up the fight in January.

A mechanic from Florissant, Mo., said he paid Dealer Cost Car Audio $219 for an auto alarm system for his wife’s car several months ago. He never received the system and his money was never refunded. The payment was “the last of our tax return money” and he said he cannot afford to buy another system. “It’s a valuable life lesson,” he said. “I learned to do your research before you send any money.”

The BBB offers the following tips when considering buying from an online merchant:

Do your homework. Check the BBB for a Reliability Report by going to www.bbb.org. It also can sometimes be helpful to do an Internet search of the business.
Be wary of businesses with no address other than an untraceable mailbox. While there are responsible businesses that do not have physical locations, many businesses with records of poor customer relations choose to post only a postal box address on their websites.
Pay by credit card whenever possible. That way, you have a better chance of getting your money refunded if you do not receive your order.
Be cautious of businesses that promise too much or that offer prices considerably lower than the competition. If a deal seems too good to be true, it may be.

5 Ways to Fight Back Against Phone Bill Cramming

11/9/2010

Posted on 11/9/2010 by

Sneaky little charges are making their way onto telephone bills and can go unnoticed for months. Victims of so-called “cramming” often face a tough battle to stop being billed every month and start getting their money back.

In order to fight cramming, the Better Business Bureau recommends keeping a close eye on bills and being extremely cautious when giving out personal information such as phone numbers.

Cramming can come from any number of sources. Some victims may have inadvertently signed up for a subscription service — such as for “free” ringtones or a daily joke or horoscopes – not realizing they’d be billed every month.

The Federal Trade Commission recently cracked down on one company that used telemarketers to convince people into signing up for “free” trial services. Calling a psychic hotline or entering a sweepstakes can also lead to cramming. Unfortunately, in some cases, the victim is just an unlucky random target.

BBB recommends taking the following five steps to fight cramming:

Start With Trust. Before handing over any personal information online, always research the business with your BBB at wynco.bbb.org

Keep a close eye on monthly statements. Anyone can become a victim of cramming so monitoring your monthly bills is important. The sooner you spot the charges, the sooner you can fight them.

Know your rights. Contact your telephone provider to see if you can completely restrict third-party billing on your account.

Guard your personal information closely. Be wary when asked to provide personal information to sign up for a free trial or enter a sweepstakes. Always read the fine print on any offer so you understand how your personal information may be used.

Know where to complain. If you are unable to resolve the issue either through your telephone provider or directly with the business, file a complaint with the FCC for charges related to telephone service and FTC for all other cramming charges on your phone bill. You can also file a complaint with BBB.

BBB & Monfort College of Business Announce

11/9/2010

Posted on 11/9/2010 by

The Better Business Bureau Foundation announced today that it will contribute $2,000 annually to support a business ethics club, now being formed at the University of Northern Colorado’s Monfort College of Business. In return, business students will research and prepare nominations for the annual BBB Torch Awards for Business Ethics.

Students gain first-hand insight into what it takes to run a business, including management practices, vendor and stakeholder relations, communications, human resources and safety protocols.

“Given the BBB’s consistent emphasis on ethical values and business integrity, our partnership continues to be a natural fit,” said Michael Martin, Daniels Fund Distinguished Professor at MCB. “Recent changes to this partnership both renew our mutual commitment and will benefit the student groups who help in critical, behind-the-scenes business research for the BBB.”

Martin said the financial stipend given by the BBB will provide students who participate in the Torch Awards process, whether through class or ethics club activities, needed support for their efforts in studying local businesses and their ethical business practices.

“The BBB Foundation continually looks at ways to increase the business and community connection, and this is a really good fit for us,” said Carrie Rossman, BBB Foundation director. Similar programs are under way at Colorado State University and the University of Wyoming.

BBB Tips for Getting a Temporary Holiday Job

11/9/2010

Posted on 11/9/2010 by

Many job hunters will get an early present this year because retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. As many as 600,000 people are expected to get holiday jobs this year, according to the outsourcing firm Challenger, Gray & Christmas Inc.

The BBB offers the following advice for holiday job hunters:

Start the job search earlier rather than later.
Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time to determine which job suits you best, identify companies you’d like to work for and begin submitting applications and resumes.

Work where you shop.
Identify seasonal employment with businesses where you actually shop or frequent. You’ll already be familiar with the company and its products and employee discounts mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward.
Even if you are just picking up applications, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills — a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible.
Full-time employees usually have first dibs on preferred hours and shifts. Seasonal employees should expect to work long, sometimes inconvenient hours including Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.

Of Store Credit and Future Dreams

11/9/2010

Posted on 11/9/2010 by

Before you walk the malls, take to the streets or hop on the Internet this holiday season, you’ll want to make sure you know where your credit card is. The best place is out of sight, out of mind.

If we’re going to be honest, however, we all know how difficult shopping without a credit card can be – especially during the holidays. And all those offers to save 10 percent on your purchase “today” by applying for a store credit card sound too good to pass up. So why should we?

Before you go on a shopping spree opening a slew of store credit card accounts, take a moment to ask if it’s in your best long-term financial interest.

How many credit cards do you have already? Do you carry a balance on any? How many do you actually use? What’s the percentage rate on each one? And what’s the harm in having several credit cards – especially if you don’t use them?

Store credit cards do offer perks. Although the days of zero interest and no payments for six months are history, many stores continue to offer specials featuring zero interest so long as you make regular payments. Miss a payment, however, and you’re liable for interest – as high as 24 percent -- from the purchase date.

If used wisely – i.e. pay off the balance each and every month – having a store credit card can be a good thing. Many offer discounts on purchases (Ann Taylor, for example, offers a 5 percent discount on purchases made with the store card) and others offer purchase points that can be applied toward later discounts.

But opening too many store credit accounts can be detrimental to your credit score. And a dicey credit score could mean not getting the house of your dreams –or any other big-ticket item – at the best interest rate.

How does this all work? Lenders routinely pull all three of your credit reports and credit scores. It’s the middle score that determines if you get great credit rates, unattractive rates, or if you’re declined.

So the question of the day remains, is it really worth saving $10 on a $100 purchase if it’s going to impact your ability to move into that new house you have your eye on?

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Keeping Kids Safe in an Online World

11/9/2010

Posted on 11/9/2010 by

It only makes sense that if adults are ensconced in all-things Internet, so are our kids. Statistics show that kids are on the Internet anywhere from two to seven and a half hours daily. They’re playing games, downloading music and catching up with e-mail and social networking sites.

Just a few years ago, the Internet was available solely through computers. Today, it can also be accessed through mobile phones, music players and game consoles. It’s almost a given that devices and applications will continue to be developed to allow faster and easier access to the Internet.

But the Internet is a double-edged sword. It opens new worlds to children of all ages: They can find answers to just about anything you can think of to research, get help with homework and make new friends. Children can keep in touch with friends and family, no matter where they live. They can even share pictures and videos, on cell phones as well as on computers. New advances even allow users to speak to and see each other in real time online.

The opportunities offered by the Internet, however, also make children vulnerable to certain risks. Many children – even some adults – do not understand the consequences of disclosing personal information, such as full name, address, e-mail address, phone number, cell phone number, Social Security number or other information that allows them to be contacted online or offline.

For example, submitting personal information to a website operator for registration purposes will allow the operator and anyone with whom he shares that information to contact a child, or the child’s parents, with unwanted marketing solicitations. In addition, children’s use of the Internet, whether on computers, cell phones or other devices, without parental supervision, can lead to exposure to inappropriate information, spreading gossip and inappropriate pictures, bullying, stalking, and even overtures from predators. Remember, the ability to post personal information in chat rooms, forums or other groups allows anyone on the site to see that information and contact your child.

Parents can use filters and parental settings on home computers. Remember, however, that when your children go online at their friends’ homes, those computers may not have the same filters and settings. Equally important, the filters on your home’s computer do not extend to your child’s mobile phone. Find out what limits and security are available for your child’s mobile phone from your mobile phone service provider, and think about turning off Web access features or turning on filtering features.

Start With Trust. Visit bbb.org/us/us/children-advertising-review-unit/kids-internet/basics/ for more information on keeping your kids safe in an online world.

Trick or Treat? BBB Can Help

10/29/2010

Posted on 10/29/2010 by Luanne Kadlub

What do trick-or-treaters and scam artists have in common?

They all wear disguises to get something for nothing!

But unlike friendly ghosts, tiny princesses and wannabe rock stars knocking on doors for candy, scam artists take on a variety of personalities to separate you from your money.

Some pretend to be foreign-based employers who want to hire you to wire money to other foreign locations. Are you familiar with money laundering?

Others pretend to be consumers wanting to make giant purchases – 20 gallons of paint, 6,000 square yards of carpet, 25 Callaway clubs. Unfortunately, these orders made via TTY operators are tricks, not treats.

And though you’re puzzled as to why your bank needs to update account information, you almost respond with the info when you realize that a.) the bank already has this information, or b.) you don’t have an account with that institution. Yep, it’s a scam artist impersonating a bank official.

The BBB never gets tired of advising: If it sounds too good to be true, it probably is. And then contact us if you need help determining if it’s a trick or treat.

Employers Offered Tips for Adapting to Older Workforce

10/26/2010

Posted on 10/26/2010 by

How old do you need to be before you’re considered “chronically aging?”

AARP starts courting “seniors” when they turn 50. But according to the Department of Labor, the real countdown begins at 40.

What does this mean for employers?

Baby boomers approaching traditional retirement years are working past age 62, even age 65, because the want to and because they need the income. On the other hand, the influx of “young” workers is slowing because of a drop in birth rates. Also, the number of workers with college degrees is projected to decline as the number of 20-year-olds with college degrees drops to 30 percent while 66 percent of new jobs require such a degree.

Again, what does this mean for employers?

It means it’s time to help older employees do their jobs safely so they can continue to do their jobs well – even past age 65 if they’re able, according to Dr. Michael Holthauser and Laura Bundy of Poudre Valley Hospital’s Occupational Health Services who presented a session on “Older, Wiser, Safer, Stronger … Managing Injuries for a Healthier Workforce” at the BBB/Pinnacol Safety Expo Oct. 22 in Fort Collins

“It’s a great return on investment to keep older workers,” Holthauser said. Statistically speaking, 20 percent of U.S. workers over age 65 still work and 75 percent of those approaching retirement say they plan to continue working.

But many older workers have physical limitations, even health issues, that make doing so difficult. Muscular strength begins to decrease starting around age 30 and accelerates at 50, Holthauser said. Older workers typically lose flexibility, balance and postural control as they, along with hearing and vision losses. Many also suffer from joint degeneration and chronic illness.

All of this translates into increased workplace risks and challenges, potentially ending in work-related accidents and falls as well as increased health-care costs.

Employers can take a proactive approach, the speakers said, by maintaining a safe working environment, encouraging employee wellness, hiring healthy workers who are fit to perform, and matching physical capabilities of workers to the physical demands of the job.

Medical Marijuana at Work – Or One Toke Over the Line

10/26/2010

Posted on 10/26/2010 by

An employee tests positive for marijuana. Upon questioning, he shows you his medical marijuana card. Can you dismiss him?

Another employee, who suffers from debilitating migraines, tells you she’s thinking about getting a medical marijuana card. What should you – as her employer – do?

These are just two of many scenarios that play out over and over again as workers – some of whom may be on your payroll – turn to medical marijuana to ease pain and symptoms of a multitude of ailments.

Colorado, one of 14 states that have OK’d medical marijuana, now has more than 100,000 card-holders. Fourteen additional states have pending legislation regarding approving medical marijuana. More than 50,000 card applications are pending.

But employers have rights, too, said Cheri Vandergrift, an attorney with Mountain States Employers Council in Denver, who was keynote speaker at the BBB/Pinnacol Safety Expo Oct. 22 in Fort Collins.

Federal law still trumps state medical marijuana laws, she explained, because marijuana is a Schedule I drug on par with LSD or synthetic heroin. In Colorado, employers can fire, or refuse to hire, employees for using the drug without running afoul of the Americans with Disabilities Act or any other federal anti-discrimination statute.

And this puts employers in the driver’s seat. If your business has zero tolerance, an employee using marijuana – on or off business premises – can be dismissed. As for that employee who mentions she’s thinking about getting a medical marijuana card? Hand her a copy of the company policy on drugs and alcohol.

Although an employer need not accommodate medical marijuana use, they may need to provide reasonable accommodation for the underlying health condition if they know about it, according to Vandergrift.

Small business owners wanting more information about Amendment 20 and implications for their businesses should contact the Colorado Medical Marijuana Registry at cdphe.state.co.us/hs/medicalmarijuana/index.html.

What is Trust? BBB Panelists Provide Answers at UNC Ethics Day Event

10/26/2010

Posted on 10/26/2010 by

Doing the right thing is not always the easy thing – especially in difficult economic times. But that’s what it takes to build and maintain a culture of trust in the workplace and beyond, according to a panel of five businessmen and women who own or work for companies that have received the BBB Torch Award for Business Ethics. The five participated in a panel discussion, moderated by the BBB, on trust at UNC’s Monfort College of Business Ethics Day last week.

Although the 2010 Edelman Trust shows trust in U.S. business is at 54 percent – up from 38 percent in 2009, it’s still lower than it was in the wake of the Enron scandal and the dot.com bust. Nearly two-thirds of respondents said they are concerned that business and financial institutions will return to “business as usual” as we come out of this economy.

Instilling and maintaining a culture of trust, however, should be the “business as usual” way of doing things, according to the five panelists, who included Mike Pierce, business development director, Burns Marketing; Rayno Seaser, founder of the Egg & I; Corkie Odell, co-owner, Odell Brewing Co.; Bob Brown, chief operating officer, Dairy Specialists; and Barb Spanjer, secretary/treasurer, Spanjer Homes.

Trust factors into all facets of life – on and off the job, Pierce told the college audience. Smart business people build their networks with people who are most trustworthy.

Added Seaser, “Trust should be the backbone on how we live our lives. We have a lot of repeat guests because they trust in our product, our service, our staff and they know what to expect.

“Ethics is like a compass,” he added. “Sometimes you get off course, but you can come back and do the right thing.”

Odell noted how her brother and his wife trusted her judgment when they relocated to Colorado from Seattle to start a brewing company. Trusting employees and incorporating their ideas into the company is just as important and has helped make Odell Brewing Co. the success that it is, she said. “A business cannot reach its full potential if it doesn’t engage its employees.”

She also advised students to research companies before sending off their resumes. “Make sure the company aligns with your values.”

Brown said every decision made at Dairy Specialists is framed around the question: Is it the right thing to do? The fair thing? In fact, “do the right thing” is the mantra at Dairy Specialists. This involves truthfulness, mutual expectations, speaking frankly, dependability and doing what you say you will do.

Spanjer noted there are many levels of trust in the workplace, including the establishment of a culture where employees, customers and tradesmen are comfortable with the owners. Trust involves receptive listening, courage and the ability to show others they are valued.

“If trust is broken, people will remember that and they will tell their friends. Trust is not about money, it’s about the relationship.”

What’s the Deal with Online Penny Auctions?

10/26/2010

Posted on 10/26/2010 by

Online ads for penny auctions are cropping up on popular websites claiming that you can get great deals on iPads and other electronics.

With a penny auction, users must set up an account and purchase bids with a credit or debit card; each individual bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item has a countdown clock and as people bid, the cost of the item goes up incrementally and more time is added to the clock. Even if you don’t win the item, you still have to pay for the bids you placed, which can add up over time.

Before making your first bid on a penny auction:

Research the penny auction with the BBB first. Not all penny auctions are created equal and BBB ratings on various sites range from A- to F. Always research the penny auction site with your BBB at wynco.bbb.org/Find-Business-Reviews/ before signing up.
Read the fine print carefully. Pay close attention to details on sign up including annual fees, minimum bidding requirements, maximum prize amounts and how to get a refund.
Know what you’re buying. Before bidding on an item, research how much it costs elsewhere and keep track of how much you’re spending on bids overall to see if you really are getting a good deal.
Keep a close eye on your credit card statement. Many have complained to the BBB about being unexpectedly charged more than $150 just for signing up. Some complainants were also automatically charged for more bids when they ran out or for a yearly registration fee, not realizing this would be the case.

Complain to the BBB if you feel you’ve been ripped off. If you feel you’ve been misled by a penny auction site, file a complaint. The BBB has assisted customers in resolving their issues, including getting refunds. If the business does not cooperate, your complaint will still go down on the company’s BBB Reliability Report and serve as a warning to others.

Lifetime Warranties Can Deceive

10/21/2010

Posted on 10/21/2010 by Luanne Kadlub

If you have a “lifetime” warranty on your windows, roof orauto parts, you might want to dig out your paperwork and read the fine print.Apparently the meaning of “lifetime” – when pertaining to warranties – does notalways mean “lifetime.”

TheDenver Post reported on a Denver homeowner who discovered this when sheincurred issues with new windows cracking and she sought to have the brokenwindows replaced.

Not so fast. Turns out the “lifetime warranty” she waspromised was only for five years.

The definition of “lifetime” varies state to state. InColorado, a lifetime warranty can be any length of time so long as details areprovided. California, on the other hand, stipulates a lifetime warranty must beat least three years.

You can still find product manufacturers who stand behindtheir products with lifetime warranties, Zippo lighters and Craftsmen tools beingjust two.

Have you purchased a product with a lifetime warranty onlyto discover the clock was ticking?

ID Thieves Lurking Here and There, Just About Everywhere

10/15/2010

Posted on 10/15/2010 by Luanne Kadlub

Identity thieves are lurking behind phony websites, standing behind you at the atm, and sometimes visiting – or even living – with you. They are everywhere and you may never know who he or she is. Until your identity is stolen.

Identity theft happens when another individual gets your personal information – Social Security number, credit card number or driver’s license – and impersonates you to purchase items big and small.

Because we don’t go around expecting to have our identities stolen, it behooves us to be proactive. If you haven’t already, take steps to protect your identity.

Beginning today, you will:
• Shred all sensitive documents;
• Memorize your Social Security number (don’t carry the card);
• Leave infrequently used credit cards home;
• Place outgoing mail in a secure mailbox;
• Monitor all financial statements monthly, looking for unauthorized charges; and
• Ignore e-mails asking for “verification” of financial account information.

Find more tips and information at wynco.bbb.org/secure-your-id/

What are you doing to ensure no one steals your identity?

Buying Pink? Know Where Your Green Is Going

10/12/2010

Posted on 10/12/2010 by

Retailers and manufacturers are asking shoppers to “buy pink” in recognition of Breast Cancer Awareness Month. The Better Business Bureau urges you to buy smart, too.

Simply because a company puts a pink ribbon on its package doesn’t always mean a good breast cancer charity is benefiting from your purchase.

A BBB survey of products from several area grocery and department stores discovered that companies use a variety of methods in deciding how much to donate to breast cancer work. lano, Tex.,-based Frito-Lay, which is selling its Sun Chips in a special pink package, says it donates a flat $1 million to its charity partner, Susan G. Komen for the Cure. Ty Inc., maker of Beanie Babies, says it donates a minimum of 25 cents of the sale of each “Hope” bear, a pink plush toy that benefits Komen and the Chicago-based Breast Cancer Network of Strength. Other companies report that they donate a flat percentage of their product sales; still others decline to disclose how much they donate or specifically where the donations go.

In some cases, detailed charity information is clearly disclosed at the point of purchase or on the product itself. In other cases, there is little or no information.

The BBB survey found products tied to breast cancer awareness that ranged from rubber gloves to pizza to bottled water.

Among some specifics from the BBB survey:

Fuze, which markets itself as a health drink, says on each specially marked pink bottle that it makes a 10-cent donation to the Komen for the Cure organization for each bottle sold, about 10 percent of the retail price. The Whitestone, N. Y.-based company also says on its label that it is “proud to donate $325,000” to the charity.
A 16-ounce pink plastic container manufactured by Arrow Plastic of Elk Grove, Ill., and marked with a pink ribbon notes only that “a portion of the sale of this product will be donated to breast cancer support.” But the company’s marketing manager said donations amounting to about 5 percent of its wholesale sales of the product go to Breast Cancer Network of Strength.
A notation on the top of a box of Betty Crocker muffin mix says that Minneapolis-based General Mills will donate $2 million this year to Komen for the Cure.
The pink wrapper for a Scotch lint roller (retail price: $2.99) notes that the St. Paul, Minn.-based 3M company will donate 10 percent of the price of each roller to Komen for the Cure, with a guaranteed minimum donation of $250,000.
A pink travel tumbler manufactured by the Trudeau Corp. of Chicago notes that a minimum of 5 percent of its sales will go to the New York-based Breast Cancer Research Foundation.
A box of “Envelopes for the Cause” distributed by AMPAD of Richardson, Texas, says that “a portion of the profits will be donated to support breast cancer research and education.” But no additional details were available and e-mails and phone calls to the company were not returned.
Pink and white women’s socks and a pink ribbon enameled pin, both manufactured by the A & E Group of St. Charles, Mo., say only that a portion of the purchase price will benefit breast cancer research, treatment and programs. A company official said that beneficiaries include a variety of research facilities and hospitals, but said the company does not publicly release the percentage of its sales that go to charity.

The BBB suggests the following tips for consumers interested in learning how their pink ribbon product purchases benefit charity.

Inspect the product itself for information. Many companies clearly report how much of their sales go to charity and specifically where the money goes.
Check the company’s website. If the information isn’t on the product itself, it often can be found via the website printed on the product packaging.
If you still can’t find the information, call the company and ask for it. Firms that use charity tie-ins to market their products should be transparent to consumers.
Contact the charity directly if you have doubts they are receiving proceeds.
Check out the charity to decide whether you believe it is worthy of your support. One way to do this is by contacting the BBB to determine whether the charity meets the BBB’s Standards for Accountability.

BBB Tips for Selling Gold

10/5/2010

Posted on 10/5/2010 by

Have you thought about making a few extra dollars by selling your gold jewelry? Many people are now that gold prices are more than $1,300 per ounce. Whether you do it at an in-home gold party hosted by you or a friend, via the Internet, or through a local jeweler, your Better Business Bureau advises that you do your research before accepting any offer.

For starters, don’t get your hopes up too high. What may look like a king’s ransom in gold – when melted down and impurities separated – could end up being a pauper’s pittance.

If you’re serious about selling gold jewelry or pieces, begin with appraisals by a reliable business. You can check with your Better Business Bureau to find businesses – local and online – that you can trust. Look to see if the business has complaints and how many.

Obtain two or three appraisals of the pieces you want to sell to ensure you’re getting a fair price for your items.

When you decide that you do want to sell your gold items, your BBB advises keeping the following in mind:

All gold is not created equal. A 14 karat necklace will not have the same value as an identical piece in 24 karat gold. The rule of thumb: the higher the karat number, the higher the monetary value.
Don't let anyone steal gems from gold pieces. Some jewels are too small and the cost to remove them can exceed their value. But engagement ring diamonds, for example, should be given a value separate from the gold.
Do not send any items without knowing beforehand an estimate of what you will be paid. Insure all items that you ship.
Make a list of items included in the package you mail, keep a copy, and put a copy in the envelope. Take a picture of items you send, including any identifying marks.
What happens if you don’t agree with the amount offered by the company? Will your jewelry be returned? Check the company’s policy as to what it will reimburse you for if your gold is lost. Many limit liability.

Major Marketing/ Media Trade Groups Launch Program to Give Consumers Enhanced Control Over Collection and Use of Web Viewing Data for Online Behavioral Advertising

10/4/2010

Posted on 10/4/2010 by

New York, NY (Oct. 4, 2010) — A group of the nation's largest media and marketing trade associations, with support from the Council of Better Business Bureaus, today announced the details of a self-regulatory program that will give consumers enhanced control over the collection and use of data regarding their Web viewing for online behavioral advertising purposes.

The program includes specific implementation practices in support of the Self-Regulatory Principles for Online Behavioral Advertising, which the industry released in July 2009. Together, the rinciples and practices represent the industry’s response to the Federal Trade Commission’s call for more robust and effective self-regulation of online behavioral advertising practices that would foster transparency, knowledge and choice for consumers.

The program promotes the use of the “Advertising Option Icon” and accompanying language, to be displayed within or near online advertisements or on Web pages where data is collected and used for behavioral advertising. The Advertising Option Icon indicates a company’s use of online behavioral advertising and adherence to the Principles guiding the program. By clicking on it, consumers will be able to link to a clear disclosure statement regarding the company's online behavioral advertising data collection and use practices as well as an easy-to-use opt-out option.

Starting today, companies collecting or using information for behavioral advertising are encouraged to visit www.AboutAds.info to acquire and begin displaying the Advertising Option Icon, signaling their utilization of behavioral advertising and adherence to the Principles. The launch of an industry-wide icon will enhance the efforts of the growing number of companies that are already using similar mechanisms to deliver enhanced notice to millions of consumers. Interested companies engaged in behavioral advertising can also register to participate in the easy-to-use consumer opt-out mechanism on the www.AboutAds.info site.

As business registration and use of the Advertising Option Icon expand, consumers will have an opportunity later this fall to visit www.AboutAds.info for information about online behavioral advertising and to conveniently opt-out of some or all participating companies’ online behavioral ads, if they choose.

The cross-industry self-regulatory initiative spans the entire marketing-media ecosystem and is led by the American Association of Advertising Agencies (4A’s), the American Advertising Federation (AAF), the Association of National Advertisers (ANA), the Direct Marketing Association (DMA), and the Interactive Advertising Bureau (IAB). Collectively, these associations represent more than 5,000 leading U.S. corporations across the full spectrum of businesses that have shaped and participate in today’s transformed media landscape.

The associations are actively promoting adoption of the Principles by businesses across the entire online advertising ecosystem via a series of webinars. To build widespread awareness and understanding of the program among the business community and consumers, the associations will be conducting a national educational campaign.

When launched later this fall, the consumer opt-out platform will include the participation of the Network Advertising Initiative (NAI). In addition, the DMA has built the Principles into its existing self-regulatory Guidelines for Ethical Business Practice, which all DMA members are required to comply with as a condition of membership.

Starting in 2011, the Council of Better Business Bureaus (CBBB), a leading nonprofit organization dedicated to advancing marketplace trust through self-regulation, along with the DMA, will be responsible for monitoring and enforcing compliance, as well as managing consumer complaint resolution. The CBBB and DMA expect to contract with the Better Advertising Project, (BAP), to provide its monitoring technology to report on companies’ adherence to the transparency and control provisions of the program.

“The advertising industry has a long history of strong, effective CBBB-administered self regulation of traditional media, and we look forward to applying these lessons to the dynamic new online advertising market. We also look forward to putting in place technology to monitor the marketplace and promote compliance with the program’s transparency and control principles,” said Lee Peeler, president and CEO of the National Advertising Review Council (NARC) and executive vice president, National Advertising Self-Regulation, Council of Better Business Bureaus (CBBB).

“The Advertising Option Icon program launch builds on DMA’s long-standing commitment to consumer choice and its history of effective self-regulation across all marketing communications. As the marketing community seeks to provide consumers with more timely, relevant and customized advertising messages, the Advertising Option Icon will serve as a beacon of consumer choice and trust in the marketplace. We are committed to helping consumers understand that they have choices and exercise those choices regarding interest-based advertising, and will work diligently to foster compliance and accountability across the industry,” said Larry Kimmel, CEO, DMA.

“Marketers, agencies and media companies need to talk to their audiences. They need to describe what they do, how they do it and the value it brings. Transparency and choice are essential in reinforcing that trust, and trust is a critical underpinning of growth—for the marketing and media industries as well as for the entire economy,” said Randall Rothenberg, president and CEO, IAB.

“As advertisers utilize the Internet to effectively market their brands, they recognize the need for consumer trust. The self-regulatory initiative launched today is an exceptional program that protects consumers’ privacy. Consumers now can exercise choice and control over the data used by marketers to create interest-based advertising. On behalf of the ANA’s 400 member companies that collectively invest more than $250 billion annually in marketing communications, we are proud to join with other leading media and marketing organizations to bring this comprehensive, ambitious program to the public,” said Bob Liodice, president and CEO, ANA.

“Our ability to deliver advertising messages to consumers that speak only to their interests must surely be one of the great benefits of the media revolution that we’re living through. We fully understand that this advance in targeting will be lost if the public comes to believe that we are not responsible stewards of the data on which it is built. That is why we are so proud to be one of the driving forces in the creation of the code of responsible conduct that we are launching today,” said Nancy Hill, president and CEO, 4As.

“For the world of online advertising and marketing to work and grow, consumers must trust it. And the way to earn and keep that trust is to give consumers clear disclosure, choices, and, most importantly, control about how their data is used online for the purposes of targeted advertising. The organizations collaborating on this initiative represent an unprecedented coalition in support of that principle, with a concrete program to put that principle into action online. The American Advertising Federation is proud to be joining the other leading media and marketing trade associations in giving consumers the online tools they deserve to control, as they see fit, the use of their data in the world of interest-based online advertising,” said James Edmund Datri, president and CEO, AAF.

“The NAI and its more than 50 members are pleased to contribute their experience in similar self-regulatory programs to this exciting cross-industry effort. We welcome the next stage of this initiative, as our members continue to roll out solutions that give consumers more information and choices around interest-based advertising. Several of our members have already launched icon-related advertising disclosures for hundreds of millions of advertisements, and we expect to see aggressive further deployments over coming months,” said Charles Curran, executive director of the Network Advertising Initiative.

The Self-Regulatory Principles for Online Behavioral Advertising, released in July 2009, guided the implementation details announced today. These Principles address Enhanced transparency beyond what is contained in privacy policies:

Clear choices regarding the data collected and used for online behavioral advertising;
Appropriate data security including data retention limits;
Limits on the collection of specified sensitive data for online behavioral advertising
Consumer education about online behavioral advertising; and
Development and implementation of accountability procedures for entities engaging in online behavioral advertising

To view the complete document, please click on this link: Self-Regulatory Principles for Online Behavioral Advertising.

Primary press contact:
Lesley Neadel
CooperKatz & Company
917-595-3034
lneadel@cooperkatz.com

Better Business Bureau contact:
CBBB
Linda Bean
212-705-0129
lbean@narc.bbb.org

Finding Reliable Care for Twilight Years

10/1/2010

Posted on 10/1/2010 by Luanne Kadlub

My 90-year-old father has had a very full life, playing golf till just last year. But age has finally caught up to him and it has come time for him to say goodbye to the house he has lived in for 50 years.

Living in a small town, as he does, makes life-changing choices somewhat easier than if he were in a city of any size. Which assisted living facility? He had only one to choose from, and fortunately for him – and us – it’s top quality.

But it got me to thinking about the many choices one has in larger communities. It’s a laborious process to visit all senior living centers to see what is offered, to interview staff, to see if it’s the right fit. How do you being to winnow the list of living options?

Thank goodness for the Better Business Bureau. While you know to check out a plumber or auto dealer with the BBB, you might not think of turning to us to find senior living centers.

But you should. After all, where your mom or dad moves in their twilight years is as important as who fixes your car, right?

BBB: What If You Lose Your Debit Card?

9/27/2010

Posted on 9/27/2010 by

The subject of debit cards has been coming up a lot in my household. My college-age daughter uses hers in lieu of checks and thinks we’re nuts for not following suit; my college-age niece lost hers and is encountering issues accessing funds in her bank account; and now my high-school-age son is thinking a debit card makes more sense than carrying several hundred dollars in cash when he goes to a school-related convention next month.

Me? I prefer cash, checks or credit card. In that order. Kind of old-fashioned, I know.

Debit cards are becoming commonplace because they’re so easy to use – swipe, punch in your pin number or sign your name, and the purchase amount is deducted from your bank account. For small purchases, you don’t even need a pin or signature. Swipe and go.

What could possibly go wrong?

For starters, a debit card is a direct link to your checking account. If the card lands in the hands of a bad guy, a series of small transactions in no time could deplete all funds in your account. This most likely is why, merchants would not accept checks from my niece. She no longer had funds to draw upon.

If you choose to use a debit card, know that rules that cover loss is different from those for credit cards. With a credit card, if it’s reported lost or stolen, you are liable for no more than $50 of erroneous charges, if that. With a debit card, if you report it missing before it’s used without permission, the card issuer cannot hold you responsible for any unauthorized transfers. If it’s used before you report it, liability under federal law depends on how quickly you report the lost card.

If you report it missing within two days, your liability is no more than $50. After that, you could be liable up to $500 because of unauthorized transfers. And if you don’t report the loss before 60 days, and a financial statement has been sent, but you failed to read it, you will have a difficult time getting back anything.

So what should you do? The Better Business Bureau message is not to use debit cards because of the great potential for fraud. If you do choose to use a debit card, know where it is at all times and know your financial institution’s rules regarding debit cards and lost or stolen cards. They vary from institution to institution.

Hmm. Turns out I’m not as old-fashioned as I thought!

Of Fuzzy Robes and BBB Request a Quote

9/27/2010

Posted on 9/27/2010 by
There’s nothing like a cool fall morning with the morning paper and steaming cup of coffee. It’s when that cool morning turns downright cold and the furnace doesn’t kick on that all of a sudden, fuzzy-robe weather becomes a down-coat nuisance.

The reasonable solution is to have your furnace checked before the thermostat dips down to freezing.

Or maybe you’ve decided it’s time to insulate before the winter winds start infiltrating your home. Or install double-pane windows. And do we need to discuss those rain gutters that will soon be jam-packed with fallen leaves?

Owning a home has many benefits, but it also comes with responsibility. Repairs and upgrades are part of the package. And in this economy, it pays to keep your property in tip-top shape to ensure it retains its value.

So you know you need to do something, but finding a trustworthy business to make the repairs or inspections can be a test of your patience. How can you circumvent making numerous calls that are never returned? How do you know if the business has a good track record and not a mile-long list of complaints?

Now is the time to try the Better Business Bureau’s Request a Quote service. It’s free, it’s easy and it puts you in touch with reliable BBB Accredited Businesses.

Start by going to wynco.bbb.org and clicking “Request a Quote.” You’ll be asked to fill in the category you’re looking for and how far of a radius from your zip code you want to search. Then you’ll need to select the specific category. For our purposes, we want “furnace repair and service.” A roster of Accredited Businesses matching your criteria pops up.

You can then check as many business boxes as you want, but three is usually sufficient when requesting information and/or quotes. You can also click on each business name to check its Business Review.

Your next step is to indicate how and when you want to be contacted as well as if you are requesting information, an estimate or a proposal.

Your final step? That’s easy. It’s putting away the down coat and snuggling back into your fuzzy robe and slippers.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Sara Lee Corpo.Joins Industry Initiative to Promote Healthier Foods to Kids

9/23/2010

Posted on 9/23/2010 by

Arlington, VA – Sept. 23, 2010 – The Council of Better Business Bureaus today announced that the Sara Lee Corp., one of the world’s leading food and beverage companies, has become the newest participant in the Children’s Food and Beverage Advertising Initiative. As part of the initiative, Sara Lee has pledged that all TV, print, radio, Internet and other CFBAI-covered advertising directed primarily to children under 12 will be for products that meet government standards defining the term “healthy” or the American Heart Association’s HeartCheck program criteria.

Since its inception in 2006 with 10 founding companies, the CFBAI has grown to include 17 industry leaders that have all committed to encourage healthier dietary choices and healthier lifestyles in children’s advertising. To that end, participants in the initiative pledge to advertise only better-for-you products in media primarily directed to children under 12 or not to engage in any child-directed advertising.

“Sara Lee is showing its commitment to the health of our nation’s children by joining other industry leaders in only advertising to kids products that meet widely-accepted nutritional guidelines,” said Elaine D. Kolish, BBB vice president and director of the CFBAI. “Under the CFBAI, the participants’ voluntary use of solid nutrition standards has steadily improved the nutritional profile of foods and beverages being advertised to children under 12. The calories, fat, sugar or sodium content of more than 100 products have decreased and four companies are not engaging in child-directed advertising at all.”

“We’re pleased to be joining the CFBAI with our industry peers to help promote healthier products to kids,” said Laston Charriez, vice president, consumer and shopper activation, Sara Lee Corporation. “We look forward to working with the CFBAI and its members on this important topic.”

In addition to meeting government or AHA standards, any product advertised would have to fill a recognized nutritional need in children’s diets. For instance, the Sara Lee bread that is advertised on children’s programming meets the FDA definition for “healthy” and contains at least eight grams of whole grain per serving.

As required for all participants in the Initiative, Sara Lee will also:

Restrict the use of third-party licensed characters in advertising primarily directed to children under 12 to products meeting its nutrition criteria;
Refrain from advertising its food and beverages in elementary schools;
Not pay for, or seek out, product placement in the program/editorial content of any media primarily directed to children under 12; and,
Limit the use of food and beverages shown in interactive games primarily directed to children under 12 to products that meet its nutrition criteria.

“Not only has the Children’s Food and Beverage Advertising Initiative continued to grow through increased industry participation, we are also continuing to move the ball forward through greater harmonization and compliance oversight,” added Kolish.

The BBB today announced that virtually all participants are now using an audience threshold of no higher than 35 percent of children under 12 in the audience for their commitments to apply. Previously, some participants’ pledges applied only if at least half the audience consisted of children under 12. This harmonization of the participants’ definitions of “advertising primarily directed to children under 12” will provide even greater clarity and certainty to what is meant by child-directed advertising.

Additionally, because the majority of the participants now have policies to not engage in advertising primarily directed to children under age six, the BBB will start monitoring and reporting on compliance with those policies in 2011.

To view the participants’ updated pledges, the newest edition of the CFBAI’s Program and Core Principles Statement, and a chart summarizing the participants’ policies and definitions on advertising to children under 12 and six, visit http://www.bbb.org/us/children-food-beverage-advertising-initiative.

For more information on the Children’s Food and Beverage Advertising Initiative or to schedule an interview with the Director, Elaine Kolish, contact Alison Southwick at asouthwick@council.bbb.org or 703-247-9376. For more information on Sara Lee Corporation, please contact Mike Cummins at 630-598-8412.

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Inc.; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the pledges of the participants visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative.

BBB Tips for Mobile Marketing

9/22/2010

Posted on 9/22/2010 by

Mobile marketing is an increasingly effective way for small business owners to tap into a younger customer base. While it might not be a perfect fit for every business, the Better Business Bureau recommends owners check out the marketing potential in geolocation apps such as Foursquare, Facebook Places and Yelp.

As technology improves, cell phones continue to perform any number of functions beyond making calls. Many apps rely on geolocation that tells you where you are and what’s nearby — including businesses. This technology creates a new way to market your business to customers when they’re literally around the corner.

What can you do to tap into this market? According to a recent survey by JiWire, a mobile audience media company, more than 50 percent of mobile users would like to receive location-specific advertising; another 39 percent would like to receive location-based coupons.

“Lacking the time, know-how and money to launch an effective online marketing strategy can make many small business owners neglect the whole endeavor,” said Pam King, president/CEO of the BBB serving Northern Colorado and Wyoming. “The good news about mobile marketing is that you don’t necessarily need to dedicate a lot of time or money into a campaign to reap rewards.”

Foursquare, Facebook Places and Yelp are three popular mobile tools small business owners can use to market their businesses to customers on the go. Even if you’re not ready to launch a mobile-marketing campaign, it’s still a good idea to take ownership of your business profiles on these sites to make sure the information is accurate and up to date:

Foursquare
With nearly 3 million users, Foursquare gets a lot of attention among young adults. Foursquare is a mobile app that allows you to check in at locations — usually businesses —that tell other Foursquare users where you are. If you check in to a location a lot, you become a “mayor” of that location, a highly coveted achievement.

Some businesses offer coupons to mayors or people who check in. Foursquare also provides a map to users so they can see what specials are being offered at nearby businesses.

Foursquare prominently lists businesses that are the most popular and provides details and stats on people who check in at your business.

Facebook Places
Facebook — with more than 500 million users worldwide — recently launched Facebook Places as a competitor to Foursquare. Facebook users can check in and the location is published on their Facebook pages. They can then see where friends have checked in.

A business owner can create a new place or claim a location that already has a profile on Facebook. You’ll be asked to verify that you can claim the location before adding photos and business details. After an initial launch in a few cities, Facebook Places will be made available to more locations over time and the features offered to users and business owners will expand as well.

Yelp
Yelp allows users to post reviews of businesses, services, locations and events. More than 33 million people visited the website in June. Yelp also provides a mobile version of its website with an interactive map that allows users to check in at locations. After unlocking your location, you can offer coupons through Yelp, update your business information and promote events.

If you need hands-on help, you can get expert advice from BBB Accredited Businesses involved in Internet marketing. Start With Trust.

BBB Tips for using Craigslist

9/21/2010

Posted on 9/21/2010 by

Better Business Bureau Tips for using Craigslist
Consumers urged to be cautious

Sept. 17, 2010 – Saint Paul, MN – In the wake of another tragic death in the Twin Cities area involving a transaction initiated through Craigslist, the Better Business Bureau is advising the public to practice caution when using the online service and others like it.

If selling or buying via Craiglist, your BBB advises:

Deal with local buyers/sellers.
Never wire money.
Use caution when using an escrow service – make sure it’s reputable by checking them out at www.bbb.org.
Never give out your Social Security or personal financial information.
Don’t apply for jobs that require a payment.
Check out apartment or home rentals and inspected in person before money is put down.
Consider the risks involved with selling a high-value item yourself and weigh that against any extra profit you might make. Is it worth it?

The following are red flags that you’re likely dealing with someone using Craigslist to defraud people:

The buyer or seller is from another country.
The buyer or seller will not meet with you and will only communicate via e-mail.
The buyer overpays and asks you to wire the extra funds back to him/her.

The riskiest part of buying or selling via Craigslist and other e-commerce sites is the meeting to complete the transaction. To ensure your transaction goes safely and smoothly:

Set up meetings during daytime hours and in a public place (coffee shop, restaurant).
Consider bringing a friend or family member with you if you have safety concerns.
If you’re the seller, consider using an escrow service.
If you’re buying an item, don’t pay with cash if the item is more than $100; pay with a cashier’s check and let the seller know in advance you’re paying with a cashier’s check.
If the seller insists you come to their home or apartment, tell them you will only meet at a neutral public site.
Trust your instincts. If you don’t like the direction the transaction is going, walk away.

As in life, most of the people you deal with when buying or selling household goods on sites like Craigslist are honest. However, there are those who see these sites as an opportunity to commit crimes. The BBB advises everyone who uses websites like these to make sure you're doing everything you can to protect yourself.

Are You Ready for an Emergency?

9/14/2010

Posted on 9/14/2010 by Luanne Kadlub

Wildfires in Colorado. A gas explosion in California. An electrical fire in Detroit.

All three recent occurrences forced homeowners from their homes. Many had only a precious few minutes to grab whatever they could before fleeing to safety.

Fires happen. No one schedules them on the calendar. No one intentionally says, “Oh, can’t come to work today, I have to deal with a fire at home.”

But we need to have a plan just in case fire – or any other emergency – happens.

Do you?

At the very least, you need to regularly backup your computer and keep the data offsite, along w/copies of important documents, such as property deeds, wills, and insurance papers.

Make sure everyone in your household knows who to call if you get separated and where to go in case of an emergency. You might want to ask a relative or family friend to act as your go-to contact.

You can find even more suggestions planning for emergencies at ready.gov.

If you had five minutes to leave your home because of an emergency, what one item would you take?

BBB: Is it Ever Wise to Co-Sign a Loan?

9/14/2010

Posted on 9/14/2010 by

Consider the following three scenarios:

You’re under 21 and want a credit card but, thanks to new credit-card rules, you can’t get your hands on one because you’re underage and you don’t have a job, known as an income stream, that could be used to pay off said card.

You’re 24 and want to purchase a new car. You plan to take out a loan but find that because you don’t have a credit history, the lender says you must have someone co-sign the loan.

You’re in your 50s and, as a result of not paying bills on time or at all, losing your home and now your job, you find that your credit score is way below 650. You ask your daughter to co-sign a loan to help you stay afloat till you find work.

What’s the harm in co-signing a loan? Especially for a child or a parent? If you know for a fact that the applicant is trustworthy and reliable and will dutifully pay off the loan or credit-card bills, chances are nothing will happen.

But that’s an awfully big chance to take. As a co-signee, you are equally liable for the loan or credit-card bill. If the original applicant fails to make payments, the bank will look to you to make good on the loan. Can you afford to do that? And if the loan goes into default, it will show up as a black mark on your own credit report as well as the other applicant’s. Will making loan payments or a blemish on your own credit score prevent you from being able to make a planned purchase?

In general, co-signing a loan is a bad idea. The one exception to this rule is if you’re a parent and want to help your child who might need a co-signer for a school loan or to get their first credit card or car loan. Do this only if you know your child is responsible and has the ability to pay back the debt.

And what about the campus-wide trend of co-signing credit-card applications for roommates and even strangers who for whatever reason can’t ask their own parents? Why risk sinking in financial quicksand if you don’t have to? Or, in the words of none other than Bugs Bunny, “And remember, 'mud' spelled backwards is 'dum.’”

BBB: Find a Roofer You Can Trust and Avoid Fraudulent Storm Chasers

9/14/2010

Posted on 9/14/2010 by

Your home can take a serious beating when a big storm hits and finding a roofing contractor you can trust isn’t always easy. Storm chasers and other door-to-door salesmen often peddle dubious deals that can cost homeowners thousands of dollars and create serious headaches. The Better Business Bureau recommends doing your research to avoid getting ripped off by an untrustworthy roofer.

Homeowners research the trustworthiness of roofing contractors with BBB more than 2 million times annually — more than any other industry. Last year, the BBB received more than 7,600 complaints about roofers.

When looking for a roofer you can trust, the BBB recommends:

Start Your Search with the BBB. Finding a roofing contractor you can trust is easy if you start with the BBB, which maintains tens of thousands of Reliability Reports on contractors – BBB Accredited and non-accredited – from across the U.S. You can rely on BBB’s Accredited Business Locator to find trustworthy roofers in your area. BBB Accredited roofers have pledged to uphold BBB’s Standards for Trust and are contractually obligated to resolve all complaints filed with the BBB.

Vet the Contractor Carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Ask the business for references from recent jobs. Confirm if the roofer will do the work or if it will be subcontracted.

Beware of Storm Chasers. In the wake of a storm, fly-by-night repair businesses solicit work, often door to door, in unmarked trucks. They might require advance payment and make big promises that they won’t deliver on.

Get at least three bids. Beware of lowball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Recognize red flags. Beware of any contractor who uses high-pressure sales tactics or requires full payment upfront. And avoid contractors who require you to get necessary permits.

Make sure everything is in writing. Make sure that all of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to payment terms, estimated price of materials and labor, and any warranties or guarantees.

BBB Reinvents the Reliability Report; Find out how your business will benefit

9/7/2010

Posted on 9/7/2010 by

Last year, consumers looked to the BBB more than 65 million times for help finding trustworthy businesses. Maybe they needed a plumber, an IT specialist or a safe place to find deals online. Whatever type of business they were looking for, they all turned to the BBB because they knew they could trust the nearly 4 million Reliability Reports BBB maintains on businesses across North America.

As an Accredited Business, your business report is a testament to your track record for treating customers with respect. The seal on your report shows that you uphold BBB’s Standards for Trust and customers know that you will stand by your word.

While your dedication to ethics and integrity doesn’t change, your business evolves over time to better meet customer needs. For the same reason, the BBB has redeveloped our business reports to provide more information to consumers as well as help Accredited Businesses highlight their products and services.

For starters, our reports will have a new name: BBB Business Review. The value of accreditation will be given greater note. And Accredited Businesses can upload photos and videos to their review to showcase their services or products. Customers who check out your review will be able to download coupons you want to offer, request a quote for service, or print a map and directions to your business.

You will also have the opportunity to highlight your professional affiliations such as association memberships, special certifications and the like, and to add more information about your business, including your products and services, hours of operation, refund and exchange policy and service areas.

Your BBB Business Review is now an even better way for your business to stand out from the competition online.

New E-mail Scam Lures Victims with Claim of Rejected Tax Payment

9/3/2010

Posted on 9/3/2010 by

The Internal Revenue Service issued an alert Sept. 2 regarding a new e-mail scam that uses the name of the government's Electronic Federal Tax Payment System to lure victims.

"This scam claims you made a tax payment through EFTPS that was rejected," said IRS spokesman Dan Boone. "Remember the IRS never sends e-mails about your taxes." The recipient of this new scam e-mail is directed to a website, which contains malware that may infect the user's computer.

If you receive this or any similar message claiming to be from the IRS or EFTPS, do not access links or submit any information. Forward the message immediately to IRS at phishing@irs.gov using the instructions at IRS.gov.

EFTPS is a tax payment system provided free by the U.S. Department of Treasury that allows individual or business taxpayers to pay federal taxes electronically via the Internet or by phone 24/7. Visit EFTPS to enroll.

For information about other common tax scams, check out the IRS Dirty Dozen Tax Scams for 2010 at IRS.gov.

Labor Day a Good Time for Job Reality Check

9/2/2010

Posted on 9/2/2010 by

Labor Day is a great time to reassess the job situation. If you have a job, you’re most likely doing whatever it takes to keep it, maybe even remaining longer than you thought you would. (Retirement? What retirement, right?)

If you don’t have a job, you’re probably desperately looking at all avenues, even those work-from-home ads that litter the Internet and social-media sites. Mystery shopper! Medical transcriptionist! Stuff envelopes! Assemble kits! Rebate processing! Medical billing! Earn thousands from home!

While many work-from-home opportunities and programs are legitimate, a good many are not. It’s up to you to know the difference.

Where to begin?

Just like the key to real estate is location, location, location, the key to making a good work-at-home business decision is research, research, research.

Start by doing a background check on the company. A flashy, professional-looking website does not guarantee the company is on the up and up.

Instead, check out the company’s BBB Reliability Report at bbb.org. The BBB now grades companies A+ to F based on set criteria, including the number of complaints it has and if those complaints were resolved.

You can also check with the state attorney general to see what – if any – complaints have been received. Don’t stop there. Hop onto one or more Web browsers (Google, Bing and Safari, for example) and plug in the business name and “complaints” and see what pops up.

Don’t be afraid to talk to others in the business you’re researching, but be on notice that some scam artists will refer you to shills – those paid to give glowing reviews.

And don’t shrink from asking specific questions about the home-based job, including:
What tasks will you be expected to perform?
Will you be paid a salary or commission?
What is the basis for claims about likely earnings? What documents can be shown to substantiate claims about potential earnings?
Who will pay me? And when do I get my first paycheck?
What is the total cost of the work-at-home program, including supplies, equipment and membership fees? What will I get for my money?

Of course, you could save yourself a lot of time and trouble if first you ask the old BBB standby question: Is it too good to be true? If the answer is“yes,” move on to researching legitimate job opportunities.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advises: Be Brainy and Beautiful

9/2/2010

Posted on 9/2/2010 by

Whether you’re interested in a modeling career, want to earn some extra cash or 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 try to make a fast buck and don’t deliver on promises of fame and fortune.

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

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 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 at wynco.bbb.org, State Attorney General and the FTC.

When Life Happens, Breathe

9/2/2010

Posted on 9/2/2010 by Luanne Kadlub

Life happens. Babies, weddings, funerals. Throw in graduations, promotions, maybe even birthdays and you’ve got all the ingredients needed for rash decisions.

A colleague tells how her daughter, upon the birth of her own daughter, impulsively purchased a $500 photography package. “She was just sick about it after she realized what she had committed herself to.”

Her advice to her daughter – and it’s good advice – was to make full use of the photography package and then next time don’t feel rushed into signing on the dotted line no matter how great the offer seems at the time.

When life happens, we often don’t make rational choices. We sign up for bad insurance plans, we make bad investment choices, we sign up for expensive photography packages.

Next time a life-changing event happens, happy or sad, take a deep breath and resolve not to make decisions, big or small, until you have time to check out the business first with your Better Business Bureau.

Have you rushed into making a purchasing decision under emotional circumstances? What was the result?

What’s Your Credit Score? BBB Offers Tips to Repair Bad Credit Profile

8/26/2010

Posted on 8/26/2010 by

Credit scores are key to getting credit at favorable rates. Consumers with good credit scores of 725 and above are considered excellent risks. Those with scores below 620 are considered risky and therefore are either denied credit or offered credit at high interest rates.

What can you do to fix a bad credit history? The BBB advises consumers to take positive action to correct credit problems by paying bills on time and reducing the amount owed on credit cards.

Other steps to fix bad credit include:

Contact your creditors and explain why you’re having trouble paying your bills. See if they will help you work out a manageable payment plan. Once arranged, follow it carefully. Don’t wait until your account has been turned over to a collection agency.
If you have been turned down or feel an error exists on your credit report, contact the reporting agency in writing and send your appeal by mail “return receipt requested.” Include your name, address, account number, dollar amount in question and the reason you believe the actions taken were wrong.
If in doubt, request written verification of the debt. Ask for a photocopy of the paperwork including the signature(s).
Keep receipts, sales slips and billing statements to make sure they match. You may need them if you dispute a bill or report. If the credit agency requests documents, send copies; never send your originals.
Be skeptical of companies that promise they can immediately solve your credit problems or “clean up your credit report.” There is nothing they can do for you – for a fee – that you cannot do for yourself at little or no cost.
Be persistent. If your credit file contains errors, you are entitled to have it investigated by the credit bureau. The credit-reporting agency must give you a written report of its investigation and a copy of your report if the investigation results in any change. Inaccurate information must be corrected or deleted. Cleaning up errors on your credit report can take time and effort.
Request your free annual credit report from all three credit-reporting agencies at freecreditreport.com.

3 Easy Steps to Dispose of Office Electronics Safely

8/26/2010

Posted on 8/26/2010 by

Disposing of outdated office computers, printers and copiers – many of which contain lead, mercury and cadmium – the right way not only protects the environment, it staves off the efforts of data thieves.

According to the Environmental Protection Agency, 18 percent of discarded electronics were recycled in 2007, while 1.84 million tons of TVs, cell phones, computers and other electronics ended up in landfills.

Thanks to ramped up ecycling efforts, small businesses have options when it comes to discarding electronics, including community ecycling events, such as Shred, eCycle & Share sponsored by the Better Business Bureau and Consumer Credit Counseling Service of Northern Colorado. The second annual event is from 9 a.m.to noon Oct. 23 at The Ranch in Loveland.

In addition, ecycling businesses are becoming easier to find and charge minimal fees.

The BBB recommends taking the following steps to ensure that all hazardous and data-sensitive office equipment is disposed of properly:

Step 1: Identify hazardous and data-sensitive electronics

The following office equipment contains 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 on the hard drive. Make sure all data is erased 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, 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 printed documents. 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: Proper Disposal
When it comes to getting rid of outdated office electronics, your options depend 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 welcome used 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.
Ecycle –Many companies break down and recycle old electronics for free or minimal fees. To locate a BBB Accredited ecycler, visit wynco.bbb.org /Find-Business-Reviews
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 dispose it 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 might 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. And make sure any hard drives are wiped clean.

Start With Trust. For more small business advice on how to manage data check out Data Security – Made Simpler at www.bbb.org/data-security. And for additional small business tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

BBB Warns Against Scams Targeting Seniors

8/23/2010

Posted on 8/23/2010 by

Fraud targeting senior citizens is a growing concern as millions – 7.3 million according to a June 10 survey by Investor Protection Trust – have fallen victim to scammers.

Three scams in particular target seniors: Medicare scams, bereavement scams and work-at-home scams. What should you watch out for? The BBB has the answers:

Medicare Scams – Navigating the Medicare system isn’t easy and scammers know it. Oftentimes, they claim to be with Medicare and ask for personal information such as Medicare, Medicaid, Social Security, credit card or bank account numbers in order to fix an error, fill out a survey or start a new prescription drug plan.

BBB Advice: Remind seniors that Medicare never calls to ask personal financial information. If you suspect fraud, contact local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers often try to take advantage of senior citizens who recently lost a loved one. For example, a mother-daughter team in Ohio scoured obituaries and called survivors to inform them of outstanding debts incurred by the deceased. Victims were asked to 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. Ask for written confirmation if debt collectors call.

Investment and Work-at-Home Opportunities - Promises of easy money often target older adults who are 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. In all instances, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any investment or work-at-home opportunity with your BBB. Beware of offers that seem too good to be true or use high pressure sales tactics to force you into an immediate decision.

How'd They Get My Address?

8/20/2010

Posted on 8/20/2010 by Luanne Kadlub

Got a call the other day from a woman who received a sweepstakes letter announcing she had just won a Spanish sweepstakes to the tune of $950,000.

She knew immediately it was a scam, but it prompted a question that you’ve probably asked yourself a million times, too: How did I get on their mailing list?

If you own property, it’s public information. If you’re listed in a telephone directory, your name and address are there for the taking. If – just for fun – you entered a raffle or filled out one of those “win a free vacation” forms, chances are your contact information was sold to others.

Have you – and this is just between you and me – responded to other phony sweepstakes scams? If so, be prepared to get sweepstakes offers, magical healing product offers and free grant offers ad infinitum.

Getting off – and staying off – scam artists’ mailing lists can be a lesson in futility. What you can do, however, is chuck all junk mail (or better yet, recycle it if that’s an option in your community). Don’t provide your name and address in hopes of winning a vacation, a car or free magazine subscriptions. If you’re getting phony offers online, become acquainted with the delete key and use it with abandon.

Have you found other methods of getting off and staying off mailing lists for phony sweepstakes?

Beware of Fake Soldiers on Social and Dating Websites

8/18/2010

Posted on 8/18/2010 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.

The U.S. Army Criminal Investigative Command has received hundreds of complaints in the last year about the scam artists who uses real military photos of both the living and deceased to create fake profiles.

The Command reports that con artists, some known to work out of cyber cafes in Africa, build relationships with women and then start asking for money for Internet use, phones, leave papers, travel money, etc. Once the victim sends money, they never hear from the man again.

If you feel you may have been a victim of such a scam, report it to the Internet Crime Complaint Center: ic3.gov / 800-251-3221 and the Federal Trade Commission: ftc.gov / 1-877-438-4338.

Watch Out for New Credit Card Rules

8/18/2010

Posted on 8/18/2010 by

More changes to the rules for credit card companies are on the way, effective Aug. 22. These changes will affect penalty fees and rate increases on your credit card account.

The Credit Card Accountability Responsibility and Disclosure Act of 2009 mandated a lot of changes to the credit card industry. Some changes went into effect on Feb. 22nd, 2010. They included: 45 days notice for interest rate changes; ability to opt out of changes and pay off your balance over five years; restrictions on getting a credit card under age 21; and no more double-billing cycles.

The new rules going into effect on Aug. 22, according to the Federal Reserve Board, include:

Reasonable late-payment penalty fees. In the past, you paid the same expensive late fee whether your minimum required payment was small or large. The new rule says that your credit card company can’t charge you more than $25 for a late payment unless you’ve been late on one of your last six previous payments, in which case it can up the fee to $35. Also, it can’t charge you a late payment fee that’s more than the minimum payment you owe. So if your minimum payment is only $10 this month, then $10 is all the company can charge you as a late fee.
No inactivity fees. No more being charged a fee for not using your card enough.
One-fee limit. You can’t be charged more than one penalty fee for the same transaction.
Explanation of rate increase. If your credit card company increases the Annual Percentage Rate it charges you, it has to tell you why.
Re-evaluation of rate increases. If your credit card company does increase your APR, it has to re-evaluate that rate increase every six months. If it decides to lower your rate based on that evaluation, it has to do it within 45 days after completing the evaluation.

To learn more about the new credit card rules visit the Federal Reserve Board’s website.

A word to the wise: if you always pay your credit card on time you won’t have to worry about penalty fees and your credit score will thank you.

Every Week is Shark Week in BBB Land

8/13/2010

Posted on 8/13/2010 by

“Shark Week” on The Discovery Channel was a couple weeks ago, but it still has me thinking about all the other types of sharks lurking about waiting to claim their victims.

Like the loan shark. He or she sits in front of a computer – could be in Kansas, maybe Canada, even Nigeria – waiting for desperate consumers to log on to websites that promise no one applying for a loan gets turned down. You think you’ve found the solution to your money woes. You’re told to wire a service fee. And you never see the promised loan and you’ve lost the upfront fee as well.

BBB Advice: Legitimate financial lenders do not charge upfront fees to process a loan application. If you’re asked to pay an upfront fee, swim away from the shark as fast as you can! If you apply and do receive funds, make sure you pay the loan back on time or you could be looking at a 782 percent interest rate. No, that’s not a typo.

Do not go near the sweepstakes shark. This deadly predator comes in the form of an e-mail or letter announcing that you’ve just won a million-dollar sweepstakes! If it’s an e-mail, you’re asked to wire a fee to cover administrative fees and taxes; if it’s a letter, you’re instructed to deposit the enclosed check (which is fake, by the way), and then wire the handling fee so you can get your prize. When you don’t get your sweepstakes cash, you begin to feel like you’ve been taken. You should, because you have been.

BBB Advice: You cannot win a sweepstakes you did not enter. If you have to pay a fee to claim a prize, you are not a winner, you are a scam victim. The only winner here is – you guessed right – the sweepstakes shark.

Never open your door to a storm shark. These scam artists, dressed like legitimate contractors, follow tornadoes, windstorms and hailstorms from city to city, state to state, to take advantage of homeowners in a hurry to repair their homes. Some come bearing flyers, others drop by to say they have materials –roofing, decking, fencing – left over from a job down the street and you can have a deal of a lifetime if you OK the work today.

BBB Advice: Don’t be in a hurry to say “yes” to an out-of-town contractor who rings your doorbell with a deal too good to be true. If you need repair work done on your home, take time to research reliable contractors. Check them out with the BBB and check out their references. Never pay for entire the job upfront and don’t pay with cash.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Beware of Deceptive Auto Loan Modification Offers

8/13/2010

Posted on 8/13/2010 by

More than 1.9 million cars were repossessed by lenders in 2009, according to Manheim Auctions. As a result, some businesses claim that – for a large upfront fee – they can work with the lender to modify the terms of the loan for the borrower.

The 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.

Your BBB recommends:

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 the 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 and the FTC has proposed that upfront fees be banned altogether.
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 the 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.

CARU Public Service Annoucement Asks Parents: "Do You Really Know Where Your Children Are on the Internet?"

8/11/2010

Posted on 8/11/2010 by

New York, NY – August 11, 2010 –The Children’s Advertising Review Unit of the Council of Better Business Bureaus Inc. recently launched its first public service announcements cautioning parents to be alert to their children’s activities on the Internet.

The PSAs can be viewed at: http://www.youtube.com/user/CARUSelfRegulation.

The spots feature Catherine Hicks, star of the family drama “Seventh Heaven,” and they recast the time-honored broadcast message “It’s 10 p.m. Do you know where your children are?” to reflect contemporary concerns about the privacy and safety of children on the Internet.

“As a learning tool, the Internet provides an amazing depth and breadth of information about the world. As an entertainment vehicle, it can offer experiences that are creative, engaging and fun,” said CARU Director Wayne J. Keeley. “But beyond the boundaries of age-appropriate Web content is territory that is far less benign. It is critical that parents know where their children go on the Internet.”

The PSAs feature three scenarios:

The first spot features young girls viewing an Internet fan-club site. One child calls out to her nearby parent, “Hey, Dad, what’s your credit card number?” “Credit card number?” asks the father, alarmed.
The second depicts young boys viewing a gaming site that requires registration. “Hey, Dad, what’s my Social Security number?” says one child. “Social Security number?” asks the worried father.
The third spot features girls viewing a social-networking site where one has just posted a questionable picture. As one girl says “I am glad my mother doesn't have an account,” her mother walks in, sees the picture and states, “We have to talk.”

In all three spots, Hicks asks the question: “Do you know where your children are on the Internet?”

The PSAs then direct parents to CARU’s website, www.caru.org, where there is a wide range of information available to parents on Internet safety at CARU’s “Parents’ Corner.”

The PSAs are currently running:

On WABC-TV, which serves the largest market in the country – New York, New Jersey and Connecticut. The PSAs have been broadcast during "Good Morning America," "Rachel Ray" and "Live with Regis and Kelly" and will continue to air.
On Discovery Kids’ family prime evening programming, which includes the shows “Timeblazers,” “Mystery Hunters” and “The Saddle Club.”

CARU, the self-regulatory forum for the children’s advertising industry, sets high standards for the industry to assure that advertising directed to children is not deceptive, unfair or inappropriate.

CARU’s standards are embodied in principles and guidelines first adopted by CARU in 1975 and periodically updated to address changes in the marketing and media landscape. In addition to monitoring ads in all media for compliance with its guidelines, CARU staff also review websites directed to children to assure compliance with CARU’s guidelines and the federal Children’s Online Privacy Protection Act.

In the past three years, CARU has issued nearly 70 decisions on website safety and online privacy; Internet-related cases account for one-third of CARU’s caseload. CARU’s decisions are available at www.narcpartners.org.

FTC Halts Cross Border Domain Name Registration Scam

8/10/2010

Posted on 8/10/2010 by
The Federal Trade Commission has permanently halted the operations of Canadian con artists who allegedly posed as domain name registrars and convinced thousands of U.S. consumers, small businesses and nonprofit organizations to pay bogus bills by leading them to believe they would lose their website addresses unless they paid. Settlement and default judgment orders signed by the court will bar the deceptive practices in the future.

In June 2008, the FTC charged Toronto-based Internet Listing Service with sending fake invoices to small businesses and others, listing the existing domain name of the consumer’s Web site or a slight variation on the domain name, such as substituting “.org” for “.com.” The invoices appeared to come from the businesses’ existing domain name registrar and instructed them to pay for an annual “WEBSITE ADDRESS LISTING.”
The invoices also claimed to include a search engine optimization service.

Most consumers who received the “invoices” were led to believe that they had to pay them to maintain their registrations of domain names. Other consumers were induced to pay based on Internet Listing Service’s claims that its “Search Optimization” service would “direct mass traffic” to their sites and that their “proven search engine listing service” would result in “a substantial increase in traffic.”

Read more: http://www.ftc.gov/opa/2010/08/ils.shtm

BBB Takes Mystery Out Of Buying Auto Insurance

8/10/2010

Posted on 8/10/2010 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 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 wynco.bbb.org or by calling 970-484-1348 or 800-564-0371 .

You Too Can Donate Like a Billionaire

8/6/2010

Posted on 8/6/2010 by

Aug. 5, 2010 - Arlington VA - 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 more than 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

Your Child's ID is at Risk - and There's Not Much You Can Do to Prevent It

8/6/2010

Posted on 8/6/2010 by Luanne Kadlub

Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under 18 who have not started using them – and selling them under different names to help people establish fake credit. The scheme may lead to significant debts that might be almost impossible to pay off.

Which leaves parents everywhere asking what they can do to make sure their son or daughter doesn’t become a victim of identity theft.

Unfortunately, not much. You can, however, be vigilant in preventing your child’s Social Security number from being used indiscriminately. If an organization requests the SSN, for example, ask why and if another number can be used instead.

You can educate your child about identity theft and how to prevent it. And you can watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Some parents have asked about checking and/or freezing their child’s credit report. The three Credit Reporting Agencies – Experian, Equifax and Transunion – do not recommend that you automatically check your child’s credit report annually, unless you have an indication of a problem. To order reports unnecessarily opens a door to thieves because it could establish a credit report.

And no, you can’t ask a Credit Reporting Agency to create a file for your child for the sole purpose of placing a preventative freeze. If your child does have a credit report and you can prove fraud has taken place, only then should you freeze your son or daughter’s credit report.

Has your under-18 son or daughter been a victim of personal identity theft?

BBB: 7 Tips for College Students to Fight ID Theft

8/5/2010

Posted on 8/5/2010 by

College students juggling school, work and their social lives usually don’t take time out to make fighting fraud a priority. But they should.

According to the 2010 Identity Fraud Survey Report released by Javelin Strategy and Research, young adults aged 18-24 took the longest to detect identity theft — 132 days on average — when compared to other age groups. Subsequently the average cost ($1,156) was roughly five times more than the amount lost by other age groups.

The BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

School mailboxes are not always secure and can often be easily accessed in a dorm or apartment. Have sensitive mail sent to a permanent address such as your parents’ home or a PO Box.
Store important documents under lock and key, such as in a filing cabinet. This includes social security card, passport and bank and credit card statements. Shred any paper documents that have sensitive financial, including credit card offers.
Never loan your credit or debit card to anyone and just say no if your friend wants you to cosign for a loan or financing for items like a TV.
Make sure your computer has up-to-date antivirus and spyware software and always install any updates and patches to your computer’s operating system or browser.
Check your credit or debit card statements closely for suspicious activity.
When shopping on unfamiliar websites, check the company out first with the BBB online at wynco.bbb.org. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.
Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

Complaints to BBB about Satellite TV Reveal Common Customer Grievances over Terms of Agreement

8/5/2010

Posted on 8/5/2010 by

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.

According to company reports, DirecTV has more than 18 million customers in the U.S. 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 the 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 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 that 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 contacted the BBB about 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 the BBB has been able to help consumers receive refunds in many cases.

Scam Artists are Hiring!

7/29/2010

Posted on 7/29/2010 by Luanne Kadlub

While sitting at a traffic light you notice a printed sign advertising work-from-home opportunities with a phone number to call. You jot down the number and make a mental note to follow up.

Or maybe you’re surfing the Web and come across ads or e-mails that promise you’ll make big money from home using your computer. You could use the extra cash, you say to yourself. Maybe your dream of working from home full time isn’t a dream.

What could possibly go wrong with this scenario?

Unfortunately, plenty.

First, let me say that there are legitimate companies that allow people to work from home. However, stuffing envelopes, making craft kits or processing medical insurance claims are not among them.

Many work-from-home offers are scams. The ads tell you how easy it is and to expect big paychecks. To find out more – here’s the catch! – you need to send in a fee to get the video, the information packet, the details. So you do. And you wait. Then you wait some more.

That’s the way scam artists work. They bait you with promises of good things to come. Once they have your check or credit card number, you never hear from them again. They have what they want: your money.

If you do hear from them, you find out the only way to make money is to become a scam artist yourself and place similar ads on telephone poles or on the Internet. And if you get kits to assemble, you’ll find that your work never measures up, therefore, no paycheck.

How do you find legitimate work-from-home opportunities?Research. Check out the company with your Better Business Bureau, ask for references and call them, and find out if there is indeed a market for the product or service.

What about you? Have you been taken by a work-from-home scam artist?

BBB Warns About Fake BBB Complaints

7/28/2010

Posted on 7/28/2010 by

An e-mailed “complaint” supposedly originating from the Better Business Bureau is being sent to BBB accredited and non-accredited companies in states across the country, including Colorado and Wyoming.

Businesses of all sizes have received the bogus e-mail complaint. There is no indication how the e-mail addresses were collected.

The e-mail sender’s address is seatac@bbb.org with the subject line “BBB Complaint Case #” followed by a nine-digit number. The body of the e-mail claims that the recipient did not respond to a complaint filed by Jason Harlow (however, other names may be used) under the category “Contract Issues.” The goal of the e-mail is to get the recipient to click on a hyperlink with the following text: “Please click here to access the complaint.”

The BBB serving northern Colorado and Wyoming is receiving calls on a daily basis from companies that have been targeted.

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 the BBB about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact your local BBB directly at wynco.bbb.org or phone 970-484-1348 or 800-564-0371.

BBB Offers Quick and Easy Ways to Lose Money

7/22/2010

Posted on 7/22/2010 by

You can’t open a paper or turn on the news without hearing tips on ways to make a dollar go further in today’s economy: Shop the sales, cook once for multiple meals, and look over your finances to find ways to save, save, save.

Here’s another suggestion from your Better Business Bureau: Keep more of your money by paying attention to the real costs of services. Or, in other words, avoid these quick and easy ways to lose money:

Bounced check fees. Monitor your bank account balance to avoid bounced checks. Some banks charge as much as $30 for each bounced check – money that adds up fast.

Payday loans. People from all walks of life use payday loans – small, short-term loans to cover expenses before the next paycheck – because they’re fast and easy to get. Although fees might seem low, actual interest rates for payday loans can be as high as 700 percent. If the borrower can’t repay the loan on time, it can be continued for another fee. Rolling over payday loans many times quickly builds a mountain of debt. Consumers who have not repaid payday loans sometimes report being harassed by debt collectors threatening them with jail or a lawsuit. Some payday lenders even try to get the borrower’s employer to repay the debt out of the person’s salary.

Check cashing and wire transfer services. Banks and credit unions often have low-cost or free checking accounts and wire transfer services. Having a bank account helps you avoid expensive check cashing and wire service fees. Be sure to shop around and compare prices.

Tax refund anticipation loans. Your tax refund may be the largest chunk of money that comes your way all year. Be wary of services that pitch tax refund loans designed to give consumers cash advances with the expectation that they will pay back the money plus interest when the refund is received. Waiting a few weeks for your refund is often well worth the time.

Start With Trust. For more reliable consumer tips and information, go to www.wynco.bbb.org or call 970-484-1348 or 800-564-0371 .

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr.

BBB Small Business Advice: If You Have a Website, You Need a Privacy Policy

7/22/2010

Posted on 7/22/2010 by

Online privacy policies have taken center stage as social networking sites and search engines have 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 otherwise.

“Privacy policies are about transparency and are key to building trust between your business and your customers,” said Pam King, president/CEO of the BBB serving northern Colorado and Wyoming. “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, the 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.

Start With Trust. For additional free advice on keeping customer data safe visit BBB’s Data Security -- Made Simpler. And for more reliable small business advice go to www.wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Do You Know an Ethical Business? Nominations Sought for BBB Torch Award for Business Ethics

7/22/2010

Posted on 7/22/2010 by

Over the past 12 years, the Better Business Bureau has honored a host of ethical businesses up and down the Front Range into Cheyenne with the BBB Torch Award for Ethical Businesses. And we’re gearing up to do it again in April.

But we need your help. Do you know of businesses that not only talk the talk, but walk the walk when it comes to ethics in the workplace? If so, we’d like to hear from you!

The BBB is accepting nominations through Aug. 12 for the 2011 BBB Torch Awards for Business Ethics, a program of the BBB Foundation. Award winners are honored at an annual banquet. Nominees must, however, be based in northern Colorado and Wyoming.

Once all of the nominees are in and finalists selected by an independent review panel, teams of business students from the University of Northern Colorado, Colorado State University and University of Wyoming will prepare the nomination packets.

What constitutes an ethical business?

In determining winners, judges will consider ethical management practices; relationships with customers, vendors, suppliers and shareholders; marketing, advertising, communications and sales practices; and the company’s reputation with their industry and in their community.

Specifically, I’ll let some past award winners from Fort Collins put it in their own words:

“We base everything we do on values,” said Steve Spanger, owner of Spanger Homes in Fort Collins, a 2010 Torch Award recipient. Receiving the award, he added, “confirms our foundation of the company.”

You’ll also find that ethical businesses put their clients and customers first. OtterBox, also a 2010 Torch recipient, is no different. Explained CEO Curt Richardson, “OtterBox is all about honoring our customers. We strive to put the customer first, and at the end of the day, that’s what we care about most.”

Gallegos Sanitation Inc. offers two more ways Torch award-winning businesses go about doing business. First, they look after their employees. “The importance of taking care of the people who work for us has always been a priority at GSI. We understand that our employees truly make our business successful,” said Rudy Gallegos, one of three owners.

And secondly, they tend to be forward thinking. “We want to be a leader in our industry and provide the community all of the varied services that help them to live a sustainable, green and safe life,” said Jerry Gallegos, also a co-owner.

Does this sound like a business you know?

To nominate a company, visit wynco.bbb.org/BBB-Torch-Awards-Nomination/ or call the BBB at 970-488-2043 or 800-564-0371 to request an application form.

Passwords, Platform Compatibility Issues Make Online Bill Paying a Lesson in Futility

7/22/2010

Posted on 7/22/2010 by Luanne Kadlub

I just spent an aggravating 45 minutes trying to pay a $40 bill online. For starters, the bill pay site would not accept my user name and password, even though I was using the correct combination.

Thinking perhaps I was wrong – it’s been known to happen – I asked that the user name and password be sent to my desktop. It took several minutes for said e-mail to arrive, driving up the frustration factor.

Computer passwords are the cost of doing business online. And when they begin to accumulate faster than weeds in your garden, they soon become the bane of our existence. Or at least mine. How to remember which password goes to which site?

Tips – including those from your BBB – about creating secure passwords stress that they should be sufficiently difficult in order to be secure. Or in other words, 12345 or “password” don’t pass muster. So many people turn to the name of their pets. This is not a good idea, either. Experts recommend a combination of letters, both caps and lowercase along with numerals and signs.

Once I got into the secure section of the site, I needed to change account information. Apparently, there was no way that was gonna happen easily either. I tried following directions provided in the help windows. First, the directions were somewhat confusing, and secondly, nothing happened when I followed them.

Needless to say, the angst level was reaching fever pitch.

I signed off the desktop (my beloved Mac) and logged onto my laptop (a PC that I’m learning to sort of like – a lot). The user name/password combo worked the first time. I was able to complete the task of fixing account information and paying the bill in mere minutes.

That’s what online bill paying is supposed to be like – user friendly.

The moral of this little story: Businesses interested in serving and retaining customers need to ensure that their online services are easily accessed and usable by everyone – regardless if they’re a PC or a Mac.

Are most websites you frequent user friendly? Or do you find yourself having to reset your user name and password every time you want access?

Beware of UN Job Scams

7/22/2010

Posted on 7/22/2010 by

Getting out of the military soon? Thinking of applying for a job with the United Nations using the job and language skills you picked up during your deployments? Well, there are scammers who hope you will!

According to a July 12th, 2010, press release http://www.un.org/News/Press/docs//2010/l3161.doc.htm from the UN’s Department of Public Information, there have been a number of scams recently misusing the UN’s name and emblem on correspondence, Web sites and emails circulating worldwide. As always with scams, the intent is to acquire money and/or personal information from those who take the bait.

The UN wants the public to know that:

If you are looking for a job with them, they do not charge a fee at any stage of their recruitment process. Every job opening at their job site http://careers.un.org/UNCareers/tabid/65/language/en-US/Default.aspx has the following statement: “The United Nations does not charge a fee at any stage of the recruitment process (application, interview meeting, processing, training or any other fees). The United Nations does not concern itself with information on bank accounts.”
The UN does not request information from individuals about their bank accounts or other private information.
The UN does not offer jobs, prizes, awards, funds, certificates or scholarships through unsolicited e-mail, mail, fax or phone calls. Officially authorized UN offers would be communicated only through official channels. The UN does not conduct lotteries or compensate victims of fraud.

For a more complete list of scams, read the UN warning http://careers.un.org/UNCareers/tabid/65/viewtype/SCAM/language/en-US/Default.aspx posted on its job site. If you have been a target or a victim of a UN-related scam, they suggest you report the scam to national law enforcement agencies for appropriate action. You can also file a complaint at www.wynco.bbb.org.

BBB Urges Trade Show Exhibitors To Beware Of Mexico-Based Expo Guide

7/22/2010

Posted on 7/22/2010 by
An agricultural equipment manufacturer from South-Central Illinois appears to be among the most recent victim of an international trade show scheme operating out of Mexico.

The Better Business Bureau urges businesses, associations and other groups throughout the U.S. to be extremely cautious when dealing with Expo Guide, Expo-Guide.com, or Commercial Online Manuals. Consumers say they believed they were filling out paperwork for free ads in trade show guides, only to learn later that they were committing to pay $1,500 a year for Internet listings with little, if any, value.

The BBB in Columbus, Ohio, has received 19 complaints about the business in the past 36 months. Sixteen of those complaints were not answered, the BBB said. The company has an “F” grade, the lowest grade possible. The complaints are from across the U.S. and Canada, including New Jersey, New Mexico, North Carolina, Tennessee, Georgia and California.

Consumers involved in trade shows or exhibitions, in both the U. S. and abroad, should be on the lookout for companies asking to include their business information in a free show publication, she said.

An attorney from Belleville, Ill., who represents the Illinois manufacturing company, told the BBB that his client was stunned to receive a bill from Expo Guide. He said the company’s officials have no memory of signing any contract in which they agreed to purchase a listing in an online directory, and have tried repeatedly to obtain a copy of the alleged agreement.

Even if such an agreement had been signed, the attorney said, “it appears that it would have been done under the same circumstances under which other companies participating in trade shows were victimized by Expo Guide’s scams.”

He said Expo Guide misleads trade show participants into believing they are filling out forms to get their listings included free in the trade show’s official guide, when “basically illegible print” on the form commits them to the $1,500 a year Internet ad.

Numerous trade show operators have posted warnings on their websites about the Mexican scheme and similar operations. The Belleville attorney has said the scheme has victimized businesses ranging from medical device manufacturers to greeting card companies.

The BBB offers the following advice for consumers solicited on behalf of trade show publications:

Be suspicious of any business that solicits information about your company in connection with an upcoming trade show or exhibition. Be certain that the solicitation is being done on behalf of the trade show and not by an unrelated party.
Read everything closely before submitting any information to a company claiming ties to a trade show. In many cases, small print or print in light, difficult-to-read type, may commit a business or association to a costly, long-term agreement.
Check a company’s Reliability Report with the BBB by going to www.wynco.bbb.org or by calling 970-484-1348 or 800-564-0371.

BBB and WOMMA Present Free Webinar Series

7/20/2010

Posted on 7/20/2010 by

The Better Business Bureau and Word of Mouth Marketing Association present the new webinar series "Compliant & Successful - Aligning Marketing & Legal Around Word of Mouth & Social Media Marketing." Webinars will be held at noon MDT July 29, Aug. 3, and Aug. 5. For more information and registration: http://wommabbb.eventbrite.com/.

Today’s social media environment is forcing even the most progressive companies to re-think how to meet changing legal/regulatory requirements while addressing the real time needs of their customers and consumers.

For many companies, establishing best practices, policies and protocols are lagging in the wake of the consumer controlled social web. WOMMA, the Better Business Bureau and the National Advertising Review Council are presenting a three-part webinar series titled: Compliant and Successful: Aligning Marketing and Legal Around Word of Mouth and Social Media.

With an emphasis on building better legal frameworks, communication policy governance, regulatory guidance leadership and good decision making in social marketing environments, experts from each of the three organizations will share tactics and techniques into how to best manage, adapt to and meet the challenges of today’s ever shifting marketing landscape.

Webinar 1: Overview of Legal and Ethical Compliance: Understanding and Capitalizing on the Changing Marketing and Trust Landscape. July 29 at noon MDT.

Key Takeaways:

Understand the foundation of regulatory issues.
Learn how the FTC’s Guide on testimonials and endorsements affect your marketing efforts.
Review how the WOMMA Ethics Code provides the framework in trust development.

Webinar 2: Striking the Balance Between Legal and Marketing: What You Need to Know to Exceed Expectations in this Evolving Landscape. Aug. 3 at noon MDT.

Key Takeaways:

Comprehend the new relationship between marketing and legal.
Discover how marketing and legal can work together to stay compliant.
Obtain practical knowledge on best practices in staying compliant and remaining timely and effective in your marketing efforts.

Webinar 3: What is on the Horizon: Privacy, Regulated Industries, Marketing to Children and More. Aug. 5 at noon MDT.

Key Takeaways:

See how the future of privacy effects your future marketing plans.
Gain insights into how regulated industries are adapting to today’s marketing landscape.
Understand why marketing to children is a hot button issue for regulators and what changes in marketing compliance are forthcoming.

The webinar series is co-sponsored by the Word of Mouth Marketing Association.

About WOMMA

WOMMA, http://WOMMA.org, is the leading trade association in the marketing and advertising industries that focuses on word of mouth, consumer-generated and social media platforms including marketing techniques such as buzz, viral, community, and influencer marketing, as well as brand blogging. The organization is committed to developing and maintaining appropriate ethical standards for marketers, identifying meaningful measurement standards and defining "best practices" for the industry.

Founded in 2004, WOMMA has approximately 300 member companies. They include marketers and brands that use word-of-mouth marketing to reinforce their core customers and to reach out to new consumers, agencies that deliver word-of-mouth services and technologies, researchers that track the word-of-mouth experience and offline and online practitioners.

Is a Loan Modification Right for You?

7/19/2010

Posted on 7/19/2010 by

If you’re behind on your home loan, or it looks like you will be soon, is loan modification right for you?

Loan modification is a process where you and your lender or loan "servicer" agree to modify one or more terms of your home loan. This can include lowering your interest rate and extending the length of the loan. The ultimate goal is –and should always be – to help you keep your home and to provide you with an arrangement that works for your financial situation.

Many lenders have free loan modification or similar programs for homeowners in financial distress. The BBB encourages you to contact your lender directly to see what assistance is available. Beware of companies or individuals who ask you to cease communication with your lender or accept money on your lender’s behalf. Money should always be paid to the lender directly.

Another option for homeowners is to contact a housing counselor who has been approved by the U.S. Department of Housing and Urban Development at 1-800-569-4287 or www.hud.gov. Homeowners can also contact HOPE NOW Alliance, a cooperative effort of home loan counselors and lenders at 1-888-995-HOPE or www.hopenow.com.

If you’re considering a home loan modification, your BBB advises:

Contact your current mortgage lender first and inquire about available options.
Do not pay upfront for a loan modification. Similar to a loan refinancing application, any fees should be paid once the loan modification is approved and closed.
Never follow advice to “stop paying a monthly mortgage payment.” A reputable loan modification company will tell a homeowner to continue making payments as long as possible.
Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
Never make a mortgage payment to anyone other than your mortgage company without their approval.
Always check out the company’s BBB reliability report at wynco.bbb.org.

Must You Use Your SSN in Business Transactions?

7/19/2010

Posted on 7/19/2010 by

Your Social Security number – created in 1936 for Social Security programs, including determining retirement benefits – has now become a one-size-fits-all personal identification number used by the government and private businesses alike.

Applying for credit? You’re asked for your number. Getting a driver’s license? Hand over your SSN. Getting satellite TV or signing up for a cell phone plan? Hmmm. They want your number, too.

What gives? A good question considering all of the warnings about protecting your identity and keeping personal information –including your Social Security number – private.

Providing your SSN, however, is sometimes what it takes to do business. For example, any business that extends credit in the normal course of business – think utilities, cell phones, cable service – is likely to seek a credit report before agreeing to extend credit. And to obtain said credit report, businesses need your Social Security number.

What if you refuse to provide your Social Security number? The business isn’t obligated to provide the service to you until it gets your SSN number and a satisfactory credit report is obtained.

But you can certainly question the need by a private business to have your SSN. The BBB along with the Privacy Rights Clearinghouse recommends:

Leave space for the SSN on the business form blank or write “refused” or “N/A” in that space.
Speak to someone in management or write to the business and explain why you do not want your SSN used to identify you. If need be, ask to speak to a supervisor or manager.
Ask why your SSN is requested and suggest alternatives such as your driver’s license number.
If the company insists on having your SSN, explain that you’ll take your business elsewhere. Be prepared to follow through on your promise.
Don’t carry your SSN in your wallet or handbag. Memorize the number for those occasions when you need to know it.

Summertime and the BBB Makes Livin' Easy

7/16/2010

Posted on 7/16/2010 by Luanne Kadlub

It’s summertime and the livin’ is easy. Sunscreen slathered all over, water bottle within arm’s reach, tunes on the MP3 player. What could possibly go wrong?

Indeed. You look around your backyard, pretty pleased with life. Then you notice your two-story could use a major paint job. Your daughter leaves a text message about finding an auto mechanic. And your spouse informs you that the AC just went on the fritz.

So much for Shangri-La.

But rather than put away the beach umbrella, you reach for your laptop. Just a couple clicks of the mouse take you to wynco.bbb.org and you’re researching reliable painters, auto mechanics and HVAC repair businesses in your area.

At the top of each report you find a letter grade – A+ to F – assigned to the business based on a lengthy list of criteria. You scan each report to see if there have been complaints and if they were resolved. The BBB has 4 million business reports in its database, which makes checking both BBB Accredited Businesses and non-accredited businesses a snap.

You use BBB eQuote to get bids from painters and do the same for auto mechanics and HVAC repair services.

Thanks to the BBB, you’re done. And, thanks to the BBB, livin’ is easy!

BBB Alert: Beware of Amazon.com Fraudulent E-mail

7/16/2010

Posted on 7/16/2010 by

BBB is warning online shoppers about a fraudulent e-mail that appears to be from Amazon.com. Scam artists are sending out the e-mails that state “thanks for your order.” The e-mail has an order number on it, a total price, and a link to click on to check out your order.

A BBB employee received the e-mail this morning. The employee has never shopped on Amazon, so she became suspicious and called the company. A customer relations manager told her that he had received five calls on it already, and that Amazon is investigating the fraudulent e-mail. The manager did not know what would happen if you clicked on the link. The link could be a virus or it could be a phishing attempt (to steal your personal information).

Amazon is asking anyone who receives a fraudulent e-mail like this to forward the e-mail to stop-spoofing@amazon.com.

Below are some key points from Amazon.com to help identify e-mails that appear to be from Amazon, but are not:

1. Know what Amazon.com won't ask for - Amazon.com will never ask you for the following information in an e-mail:

Your social security number or tax identification number
Your credit card number, PIN number or credit card security code
Your mother's maiden name
Your Amazon.com password

2. Requests to verify or confirm your account information - Amazon.com will not ask you to verify or confirm your Amazon.com account information by clicking on a link from an e-mail.

3. Attachments on suspicious e-mails - Amazon.com does not send order confirmations or other unsolicited requests that require you to open attachments.

4. Grammatical or typographical errors - Be on the lookout for poor grammar or typographical errors.

5. Check the Web site address - Genuine Amazon.com Web sites are always hosted on the "amazon.com" domain--"http://www.amazon.com/... " (or "https://www.amazon.com/..."). Sometimes the link included in spoofed e-mails looks like a genuine Amazon.com address. You can check where it actually points to by hovering your mouse over the link -- the actual Web site where it points to will be shown in the status bar at the bottom of your browser window or as a pop-up. Amazon never uses a Web address such as "http://security-amazon.com/..." or an IP address (string of numbers) followed by directories such as "http://123.456.789.123/amazon.com/...."

6. Protect your account information - If you did click through from a spoofed or suspicious e-mail and you entered your Amazon.com account information you should immediately update your Amazon.com password. You can do this through Your Account by choosing the option to "Change your name, e-mail address, or password" found under Account Settings. Even if someone has been able to look at your account, they are still not able to see your full credit card information. However, orders can be sent from your account using your credit card. Contact Amazon immediately if you notice any orders that you do not recognize.

If you submitted your credit card number to the site linked to the forged e-mail message, you should contact your credit card company. You should also delete the credit card from your Amazon.com account to prevent anyone from improperly regaining access to your account.

The BBB always recommends that if an e-mail looks suspicious, go directly to the Web site or call the company directly. When in doubt, do not click on a link in an e-mail.

For more consumer tips, go to www.wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Red Flags to Watch for When Using eBay

7/15/2010

Posted on 7/15/2010 by

With the current economic condition, consumers are flocking to online auctions like eBay to bid and sell new and used items. Unfortunately, there are unscrupulous people that take advantage of the auction. If you, your employees, or family members frequent eBay and other online auction sites, watch out for the following schemes:

“Shill Bidding” – This occurs when a seller has multiple accounts or a group of friends who deceitfully raise bids to up the profit margin on a purchase.

“Bid Shielding” – In this scenario, the buyer with the multiple accounts or group of friend bidders will keep upping their bids but then retract them. This process is used to scare off other bidders from making a bid. Then, the bidder with the lowest bid gets the item for bottom-dollar price.

“Switch and Return” – A buyer will purchase an item from you and return it, only the item they return is not what you sold them but an imposter.

“Fakes and Reproductions” – Sellers may provide a fake certificate of authenticity on collector items. This may be done on rare items purported to be in “mint condition.” Also watch out for wording in the ad that states “to my knowledge” or “I think.” Be especially aware of counterfeit trading cards.

Sadly, those are just a few of the terms and practices of unscrupulous eBay participants. There are other precautions eBay users need to arm themselves with to be able to predict and prevent internet crime that can be found at www.bbb.org.

1. Know who you are dealing with! Find out the seller’s information. Do this by placing a low bid on an item and go to http://search.ebay.com/_W0QQtZvbQQsofindtypeZ9. Enter in “the seller’s name and item number”. EBay will send you the contact information. Then, call this person. Look up the phone number online at www.free411.com and verify their address if provided. “If the phone number does not work, that is a red flag.”

2. As far as payment methods, C.O.D. is ideal as is escrow.com, although somewhat expensive. PayPal is also acceptable, although unless stated in the ad, does not provide you with $2000 coverage protection. If using PayPal it is recommended that you use a credit card. Credit card companies will refund your money if the seller fails to provide the merchandise. Keep away from money transfers, i.e. Western Union and MoneyGram. Typically, a scammer uses money transfers to hide their identity, so law enforcement cannot track them down, especially if they reside in a foreign country where American laws will not protect you. Do not send a check as a method of payment. A tactic that overseas scammers will use is sending an overpayment via foreign cashier’s check. Then, they want left over monies sent to them via Western Union.

3. Be wary of fake eBay and PayPal sites. If a hot link is listed, place your cursor over it and look at the URL on the bottom. If the two do not match up, there is a problem. Also if there is no “s” in the “https:” web address, the link is not a secure site. DO NOT add your personal information here. This is how scammers access your eBay ID and password, credit card, and other personal information.

4. Another red flag to watch for is if the buyer or seller only wants to work with you through email. It is likely the account is stolen, especially if they are asking for payment via money transfer. Money transfers have to be requested via email because eBay will not publish these types of requests on their site.

5. Other red flags eBay tells you to watch out for are: auctions that hide the bidders, sloppy English, products located in a different location than the seller, ads missing the eBay “buy-it-now” button, products listed in the wrong category, (which scammers will do, since certain categories are flagged as “SCAM AUCTIONS”.)

6. Keep your password and account secure. Ignore pop-ups that may request personal information. Make sure your computer is protected by updated anti-virus and firewall software. Set your security options in your web browser to alert you when a website is unsafe. Always type out URL addresses provided by eBay and PayPal to ensure that you do not click on malware. Never send your personal information via email. Be careful about opening attachments, which may also contain malware.

7. Be familiar with the product you are buying to ensure you don’t purchase imitations.

8. Be leery of quick-sell auctions, as opportunists will always pressure you into buying but won’t always deliver.

9. Consider paying the extra money to the post office to get a tracking number so the post office can help locate your item if lost or stolen.

BBB: Find an Adoption Agency You Can Trust

7/12/2010

Posted on 7/12/2010 by

Celebrities such as Angelina Jolie, Sandra Bullock, Madonna and many others are building families through adoption. While celebrities might make it look easy, the Better Business Bureau recommends doing your research when enlisting the help of an adoption agency.

More than 125,000 adoptions take place annually in the U.S, according to recent numbers from adoption experts. Last year alone, families vetted adoption services with the BBB more than 35,000 times.

When searching for an agency, the BBB recommends:

Research your options – Many factors impact your choice of an adoption agency. Is the child in foster care? Are you interested in a special needs child? Are you looking at a domestic or international adoption?
Understand the laws – State, federal and international laws drive the adoption process. The U.S. Department of Health and Human Services adoption website is a good starting point for looking into adoption laws and other adoption-related resources. Visit childwelfare.gov/adoption.
Get advice from other parents – Your best source of information may be people you know who have adopted. Support groups, both online and community-based, are good sources of information as well.
Vet the agency with experts – Always make sure that the adoption agency is properly licensed in your state and, if applicable, with the country from where you intend to adopt. Also check the agency out with your BBB; if the agency is an Accredited Business it is required to meet BBB’s standards for ethical conduct and resolving complaints.
Visit several agencies –Visit and meet with several adoption agencies. Make sure the agency has extensive experience in the type of adoption you want to pursue. Find out what kind of pre- and post-adoption support it provides, such as social programs that foster friendships among waiting and adoptive families, educational or cultural opportunities to allow families to learn about their children’s home country, programs for adopted children, teens or adults and counseling services. While adoption fees vary, an agency should disclose required fees and refund policies.

BBB Wise Giving Alliance Releases Top Reasons Charities Fail to Meet Its Standards

7/9/2010

Posted on 7/9/2010 by

Arlington, VA - July 7, 2010 – The BBB Wise Giving Alliance released a list of standards that national charities most commonly fail to meet when being evaluated by the Alliance against its 20 Standards for Charity Accountability.

This analysis by the Alliance shows that insufficient transparency, inadequate board activity and the lack of assessment of charity effectiveness account for the most failures in compliance.

“The good news is that well over half of the national charities we review meet all of the BBB charity standards. Unfortunately, it’s evident that many charities have more work to do to satisfy the expectations of donors,” said Art Taylor, president and CEO of the BBB Wise Giving Alliance, “Disclosure, effective governance and accountability are important indicators of a charity’s commitment to donors and the causes they serve.”

The BBB Wise Giving Alliance evaluation of the charities that provided requested information during the past two years found that more than 56 percent met all 20 Standards for Charity Accountability. Charities in the remaining 44 percent did not meet one or more of the standards. The following are the most frequent deficiencies that were found:

Annual Reports
BBB Standard: Have an annual report available to all, on request, that includes recommended program, governance and financial disclosures.

40 percent of charities that did not meet one or more standards either did not produce an annual report or provided one that that did not include all of the recommended information.

Effectiveness Policy
BBB Standard: Have a board policy of assessing, no less than every two years, the organization’s performance and effectiveness and of determining future actions required to achieve its mission.

36 percent of charities that did not meet one or more standards lacked the recommended board policy for periodic self-assessment.

Effectiveness Report
BBB Standard: Submit to the organization’s governing body, for its approval, a written report that outlines the results of the aforementioned performance and effectiveness assessment and recommendations for future action.

35 percent of charities that did not meet one or more standards either had not completed an effectiveness assessment or did not provide its board with a written report on the results of the assessment.

Board Meetings
BBB Standard: A minimum of three evenly spaced meetings per year of the full governing body with a majority in attendance, with face to face participation. (One of these meetings can be a conference call of the full board.)

31 percent of charities that did not meet one or more standards had charity boards that met less than three times per year or lacked a majority attendance.

Website Disclosures
BBB Standard: Include on any charity websites that solicit contributions, the same information that is recommended for annual reports, as well as the mailing address of the charity and electronic access to its most recent IRS Form 990.

31 percent of charities that did not meet one or more standards had websites that did not include access (such as a link) to the group’s most recent IRS Form 990 and/or did not include other recommended information.

“All charitable organizations should recognize the importance of charity accountability: strong governance, public access to basic information and periodic self-evaluations of the organization’s impact,” said Taylor. “The silver lining to this cloud is that many charities have shown us that after the issues are brought to their attention they have been able to take steps to meet these standards.”

The BBB Standards for Charity Accountability, which were last revised in 2003 after a three-year project that involved extensive input from the charitable community, are used by the Alliance in preparing evaluative reports on more than 1,200 nationally soliciting charities. There is no charge to the charity for the accountability assessment and the resulting reports are available to the public free on the www.bbb.org/charity website.

The BBB Wise Giving Alliance produces reports on more than 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

Of Mothers, Sons & Craigslist

7/8/2010

Posted on 7/8/2010 by Luanne Kadlub

The other day a friend’s son was shopping for a car online at a classified ad site and ran across a super buy. The vehicle was located in another state several hundred miles away. My friend thought it sounded too good to be true. Her son, being a typical son, thought she was overreacting.

My friend decided to get a second opinion and contacted me. Smart move, I might add. The BBB routinely offers tips and information about consumer issues, including red flags to watch out for when shopping online classified ad sites.

I told her that her son should not attempt to buy the car if any of the following red flags were waving:
• The vehicle is located out-of-state
• The price is too good to be true
• The car is supposedly being sold by a parent of a son/daughter headed overseas with the military and/or is in dire need of cash.
• Payment is to be made by wire transfer.

The ad had all four. Needless to say, my friend didn’t waste any time telling her son “told you so.”

Is there a time you should have checked out a consumer issue with the BBB, but didn’t?

BBB Warns Car Shoppers About Online Dealer Scam

7/7/2010

Posted on 7/7/2010 by

The 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 Camille Wilson, vice president of communications for the BBB serving northern Colorado and Wyoming. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

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.wynco.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

Don't Take a Chance on Your Wedding

7/6/2010

Posted on 7/6/2010 by
Don't take a chance on your wedding

"This was our wedding," he said. "It's not like we get to do it again."

If a new roof leaks, the contractor can come back out and fix it. If your car dies after you pick it up from the shop, another mechanic can get you going again. Resolving some problems may involve a hassle and paying more than you planned, but there can be a happy ending.

If your photographer never delivers your wedding pictures, that's it. No second chances.

Some of the most disheartening complaints we receive at the Better Business Bureau concern poor performance by a wedding vendor. Here are real-life examples from brides:

"The cake was not what I ordered. Did not show up until 3 in the middle of the reception. It did not have completely edible parts and one of my guests bit into a silver dot and almost chipped a tooth."

"The day of my wedding there was no air in the building. People began to leave the reception and my wedding cake melted."

"I was married on May 18. I contacted the photographer in June regarding my wedding DVD and he stated he would have it ready by Aug. 18. I contacted him on Aug. 18 and he said it would be ready by Sept. 18. I attempted to contact him today and both his phone numbers state they are temporarily disconnected. I have paid in full for his services."

Three different companies were involved in these sad situations, but they had one thing in common. All had "F" ratings with the BBB when these brides hired them.

The BBB offers this advice for hiring any wedding vendor - the facility, the dressmaker, the cake maker, the photographer and everyone else:

Check out their grade and record with the BBB. If you don't have someone in mind, we can provide a list of BBB-accredited businesses that can do the job.
Schedule an interview with two or three vendors to get a feel for the types of service they offer. It wouldn't be a bad idea to do it at their place of business so you can get a feel for how they operate.
Don't make your decision based on price alone.
Get a detailed contract that covers everything you've agreed to - dates, products, prices and delivery times. Don't rely on oral promises. Be sure you understand any refund and cancellation terms.
Allow extra time when arranging deliveries.
Ask about the photographer's style. Does he do traditional posed portraits, candid pictures or both? Be sure he knows the layout and rules of your church or other venue.
Pay as little as possible upfront, and try to pay with a credit card so you can dispute the charge if something goes wrong.

By the way, don't forget about the DJ you've hired to play during your wedding or reception. One bride complained that her DJ played the wrong songs during the service and even asked her to walk around the side of the church instead of down the aisle because his equipment was in the way.

Declare Your Independence from Scam Artists

7/1/2010

Posted on 7/1/2010 by Luanne Kadlub

Let’s declare every day Independence Day! Independence from scam artists, that is.

All it takes is a little suspicion on our part and, if need be, a little Internet sleuthing to determine if that sweepstakes check is for real, if that order for $2,500 worth of paint to be shipped out of state is legit, or if offers to help you find “free” government grants is worth the fee.

In all scenarios – including scams not mentioned here – trust your intuition. If it sounds too good to be true, it is.

• When it comes to sweepstakes, you can’t win something you didn’t enter. If you do reply to claim your “prize” and send in the $19.99 fee to cover fees and taxes, you’ll be out that amount and as a bonus you’ll end up on a gazillion other sweepstakes mailing lists.

• Small business owners think they’ve hit the jackpot when a large order – for everything from golf clubs to carpet – is made via a TTY operator or e-mail. The buyer requests the order be sent out of state or out of the country via a private shipping firm. And you’ll be asked to accept payment for both the goods and shipping on his (stolen) credit card. The scam artist then asks that you pay the shipper via wire service. And if you follow through with the order, you’ll be out both the goods and cash.

• These are tough times, you say. “Free” government grants could help your business or help send your kid to college. And there are numerous offers online and in classified ads for services that will help in your search. What you’ll get for that fee ranges from a list of grants you can find yourself – for free! – by going to grants.gov or nothing at all (as in you’ll never hear back from the company).

This country was built with a strong do-it-yourself work ethic. If, collectively, we put some effort into checking out companies before doing business with them and investigating offers that sound too good to be true, we could do serious damage to the financial coffers of scam artists worldwide. Now that would be something to celebrate!

Have you had a close encounter with a scam artist?

BBB Warns that Scams Emerge in Wake of BP Oil Spill

6/30/2010

Posted on 6/30/2010 by

Your Better Business Bureau warns that the recovery effort taking place as a result of the Deepwater Horizon oil spill creates a great opportunity for scammers to make an easy dollar by deceiving those trying to find work, donate money or volunteer to help.

The Job Scam: Job hunters say they were told to pay an upfront fee to get a job or pay for training. The BBB has also heard from people who were recruited for cleanup work by outfits that did not have a contract with BP.

Jobs available directly with BP are posted on BP’s website. If you have been recruited by a company that claims to have a contract with BP, research the business and confirm with BP that it is a legitimate employer for the cleanup. Be wary of companies that require an upfront fee.

The vast majority of jobs created because of the spill will go to Gulf residents or industry specialists. Many jobs require specific training or certifications, such as Hazardous Waste Operations and Emergency Response training. For most cleanup jobs, the employer provides appropriate training for new employees.

The Charity Scam: Following any major disaster, scammers pose as charitable organizations solicit donations from well-meaning individuals.

The oil spill is unlike previous disasters and constraints in the cleanup effort limit what charities can do with your money or how you can volunteer your time.

Opportunities may include shoreline monitoring, fund raising, office work and providing transportation.

Numerous volunteer programs ask that you register with them so they can assess your skills and place you. BBB Wise Giving Alliance has compiled a list of nationally soliciting charities that meet BBB standards.

How to Contact BP and Where to Report Fraud:
BP has set up phone numbers to address specific concerns surrounding the Oil Spill. You can find a contact list on its website. BP has also set up a fraud hotline at 1-877-359-6281. You can also alert the FBI by calling 866-720-5721 or via e-mail disaster@leo.gov.

Your ID Can Be Copied – Literally!

6/30/2010

Posted on 6/30/2010 by
You shred all personal documents. You regularly change computer passwords. You deposit all outgoing mail into a locked mailbox. You even make sure the motherboard of your old laptop is destroyed before it’s recycled.

So what’s left to fear?

How about your copy machine? Yes, the ubiquitous copy machine. This includes the one at your dentist, accountant or lawyer’s office. And it is the printer-fax-copy-scan machine in your home office.

About five years ago copy machines began coming with hard drives installed that store every document scanned, printed, faxed or e-mailed. The electronic file stays there until someone removes it or new documents replace the oldest ones.
Although it’s an ID thief’s dream, it doesn’t need to be your nightmare.

What should you do if you have a copy machine with a hard drive?

Al Roller, owner of Image Technology Service, a BBB Accredited Business in Pierce, says copy machine owners who plan to sell or trade in the devices need to schedule a service call and have the hard drive replaced with a new one.

The old drive, he added, needs to be destroyed or shredded, just like you do with personal documents.

That makes common sense if the model in question is one of the heavy-duty multiple user industrial-strength models. But what about relatively inexpensive copy machines – often part of an all-in-one machine – used by small businesses and consumers?

Anita Comer, owner of BBB Accredited Waste-Not Recycling in Loveland, said that small printers that include a copy function (such as the popular print-fax-copy-scan models) should be taken to a recycling center where, for a small fee, the unit is dismantled and recycled and the hard drive destroyed.

Why not replace the hard drive on these machines, too? Because the cost of a new hard drive and new software or hardware to support it comes close enough to the cost of a brand new machine. Electronics manufacturers typically sell such machines as loss leaders, knowing that sales of ink cartridges is the real income stream.

And that, Comer said, means recycling small copiers is the only real choice consumers and small businesses have to prevent the used machines from falling into the hands of identity thieves.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Two New Work-at-Home Re-Shipping Scams

6/28/2010

Posted on 6/28/2010 by

Two BBBs have issued warnings about work-at-home scams offering work that involves shipping packages overseas. The first scam is to be a “gift wrapper” for Best Buy; the second, to be a “mail manager” for an online company.

BBB serving Minnesota and North Dakota reports that the name of the major retailer Best Buy has been misappropriated in a scam that offers job seekers the chance to be a “Best Buy gift wrapper.” As with most re-shipping scams, the job involves the “employee” repackaging and shipping overseas stolen merchandise or items that have been ordered from mail-order or auction sites and not paid for.

The legitimate Best Buy wants anyone seeking employment with them to know that all Best Buy jobs in the U.S .are posted via their websites, http://careers.bestbuy.com or www.bestbuy-jobs.com. Best Buy does not solicit or accept job applications or resumes via e-mail. Any inquiry from a Best Buy recruiter inviting a candidate to apply for a position will include an invitation to apply via the Best Buy career site or in person inside one of their store locations.

The next warning comes from the BBB of South Alabama. They received a complaint from a customer who had found a “work-at-home” job online, working as a “mail manager” for an online company, 1-stop-shopper.com. The first package the “mail manager” received was two large bottles of Chanel No. 5 perfume to be sent to Russia. The second package to be shipped turned out to contain dozens of prepaid SIM cards that had been paid for with a stolen credit card.

To avoid being caught up in a work-at-home scam such as these, read the BBB tips on the red flags that can help identify reshipping and forwarding scams.

BBB Warns that New Phone Scam Targets Your Bank Account

6/28/2010

Posted on 6/28/2010 by

The Better Business Bureau warns that the latest phone scam – called a “telephone denial-of-service attack” – could be the precursor to a crime targeting your bank account.

These attacks, similar to those used by hackers to crash Web sites by inundating them with Internet traffic, are performed by high-tech criminals who use automated dialing programs and multiple accounts to overwhelm the phone lines of unsuspecting consumers and small- and medium-sized businesses.

While the lines are tied up, the fraudsters – impersonating their victims – raid their bank accounts along with online trading and money-management accounts.

Here, in a nutshell, is how the scam works:

Weeks or months before the phone calls start, according to the FBI, a criminal uses social engineering tactics or malware to extract the victims’ personal information such as passwords and account numbers. These victims may have set themselves up by responding to e-mails phishing for information, inadvertently giving out sensitive information during phone calls, or putting too much personal information on social networking sites monitored by cyber criminals.

Once the scam artists have enough information, they tie up a victim’s phone line and, pretending to be the victim, contact his or her financial institution or pilfer the victim’s bank accounts by using fraudulent transactions.

When the financial institution calls to verify the transaction, they can’t get through to the victim over the phone because of the denial-of-service attack. If the transactions aren’t approved, the criminals contact the financial institution, pose as the victim and confirm the transaction. They can also add their own phone number to the accounts and simply wait for the bank to call and request approval. By the time the victim and/or financial institution realizes what has transpired, it’s too late.

The FBI reports that denial-of-service attacks have been on the rise since April with numerous incidents reported in several Eastern states.

The BBB and FBI urge consumers and business owners to:

Never give out personal information to an unsolicited phone caller or via e-mail.
Change online banking and automated telephone system passwords frequently.
Check account balances often.
Protect computers with the latest virus protection and security software.

If you think you have been targeted by a telephone denial-of-service attack, contact your financial institution and your telephone provider, and file a complaint with the FBI’s Internet crime Complaint Center.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB Advice to Increase Chances of Getting a Small Business Loan

6/28/2010

Posted on 6/28/2010 by

Many small business owners who have survived the bumpy economic roller coaster these past couple of years are now ready to seek small business loans to help maintain and grow their businesses.

To increase your chances of getting a loan, the BBB recommends:

Talk to the U.S. Small Business Administration or its free counseling partners. The SBA has lender relations specialists who work at field offices in every state. The SBA’s partners can also help and include about 900 Small Business Development Centers at colleges and universities, about 100 Women’s Business Centers and a network of about 10,000 retired executives (called SCORE) who mentor entrepreneurs and small business owners.

Review Your Credit Report. Lenders take into consideration your personal credit history and if your report has any errors it could affect your chances of getting the loan. You can check your credit report once a year for free with the three major reporting bureaus – Transunion, Experian and Equifax – at www.annualcreditreport.com. If you find errors, contact the reporting bureau to set the record straight.

Create a Comprehensive and Professional-Looking Business Plan. Lenders want to know that you have done your research, considered your risks and the current climate for opportunity, and planned for the future. Your business plan needs to be comprehensive and professional in both content and appearance.

Show that you’re personally invested. If you have money invested in your own business, it shows the lender that you are personally dedicated to the success of the venture.

Plan to pay it back. Lenders are in the business of making money. To that end, they want to know that you have a solid plan for paying back the loan and can also provide enough collateral to cover the loan if the business fails.

Start with who you know. If you already have a good relationship with your personal financial institution, start your search there. Ideally, your lender also works with the SBA, which will widen your loan options. Don’t rule out the possibility of getting a loan from a smaller local bank. You can find a list of trusted financial institutions as well as check out BBB Reliability Reports for institutions you are considering doing business with at wynco.bbb.org.

Start With Trust. For more advice you can trust on managing your business visit: bbb.org/us/Business-Resources/. Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Your ID Can be Copied – Literally

6/25/2010

Posted on 6/25/2010 by Luanne Kadlub

You shred all personal documents. You regularly change computer passwords. You deposit all outgoing mail into a locked mailbox. You even make sure the motherboard of your old laptop is destroyed before it’s recycled.

So what’s left to fear?

How about the office copy machine? Yes, the ubiquitous copy machine. This includes the one at your dentist, accountant or lawyer’s office. And it could be the one in your own office.

Most copy machines use hard drives to store every document that has been scanned, printed, faxed or e-mailed. The electronic file stays there until someone removes it or new documents put out the oldest ones.

It’s an ID thief’s dream.

So far, no one is legally responsible to wipe copier drives clean of potentially damaging data. Warehouses all over America are full of used copy machines containing millions of files just waiting to be mined by unscrupulous criminal profiteers.

Even more worrisome is that an estimated 70 percent of these machines will ultimately land overseas in China, Europe, everywhere. And data-filled hard drives that are salvaged from machines are sent to E-waste recyclers; many wind up for sale online.

Learn more here.

Have you taken steps to wipe your copy machine’s hard drive clean before recycling it?

BBB Shares Red Flags of Investment Scams

6/23/2010

Posted on 6/23/2010 by

Falling victim to a fraudulent investment scheme can mean losing anywhere from a few hundred dollars to your life savings.

Although such schemes and scams come in many forms, a common technique is to lure people in with an offer of a free financial seminar over lunch or dinner.

When listening to an investment pitch, the BBB recommends looking for the following red flags:

Requires a large upfront 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.

BBB Warns of Advance-Fee Loan Scams

6/23/2010

Posted on 6/23/2010 by

Advance-fee loan scams target individuals and small business owners desperate to get a loan and often take the victim for thousands of dollars. Just this spring alone, consumers who have filed complaints with the Better Business Bureau have lost more than $250,000 collectively.

Most people stumble upon the scam online or learn about the bogus loan offer from ads in local publications and online through classified sites. Often, an advance-fee loan scam Web site 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 Web sites look professional and sometimes require the victim to fill out loan application forms that request such information as the victim’s bank account and Social Security numbers. Eventually victims are told they are approved for the loan and just need to pay an advance fee – sometimes as much as thousands of dollars – via money order or wire transfer to pay for insurance or collateral. Those who pay never get the promised loan and are sometimes tricked into giving the scammers even more money.

The BBB recommends that consumers shopping for a loan look for the following red flags of an advance-fee loan scam:

The lender has a bad reputation — or none at all. Most trustworthy lenders have an established track record; be wary if you can’t find much information about the lender online. Always check out a lender – or any business – with your BBB.
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 before you can receive the loan. You might be told to wire money to another country. Consider this a giant 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.

Different Day, Different Scam

6/21/2010

Posted on 6/21/2010 by Luanne Kadlub

This must be your lucky day! And to think that all you have to do to claim your prize is deposit a check sent as a down payment toward your winnings and wire back $29.99 to cover taxes and handling fees.

So that’s what you do.

In the meantime, you start getting notices from other sweepstakes that you’re a lucky winner! You’re thinking no one can be this lucky!

You’d be thinking correctly.

Different day, different scam.

Literally thousands of sweepstakes scams – names continually change –induce otherwise rational people around the world to hand over their hard-earned money to scammers. The amount victims lose varies, from $20 to hundreds, even thousands of dollars.

Why do so many people fall for sweepstakes scams? The checks appear so authentic that even bank tellers sometimes have difficulty distinguishing the real thing from a counterfeit. Some scammers use names and/or addresses of unsuspecting legitimate businesses, which makes it even more difficult to ferret out obvious scams.

And, let’s be honest. Scammers know that many of us fantasize about winning huge sums of money (goodbye mortgage, hello Tahiti).

So what to do?

Absolutely nothing.

If you didn’t enter, you can’t win.

If you do deposit the check and wire money to the sweepstakes (wire services are the preferred method of payment sense the transaction isn’t tracked), you will be out any of the funds you spend.

And if – even if just for cheap thrills – you do respond to the sweepstakes offer, you can rest assured that you’ll be on the universal sweepstakes mailing list with no way of getting off.

But if you take the BBB’s advice, you will definitely be a smart winner!

Have you been taken by a sweepstakes scam?

Gulf Oil Spill Recovery: Tips for Donors and Volunteers

6/10/2010

Posted on 6/10/2010 by

Arlington VA - June 10, 2010 - In the wake of any disaster, many reach for their checkbooks and donate money to aid and rescue organizations. The Better Business Bureau Wise Giving Alliance cautions, however, that the oil spill in the Gulf of Mexico is unlike previous disasters and offers specific advice to potential donors and volunteers.

“Although tens of thousands of individuals are already involved in the response to the oil spill, many others wonder how they can pitch in and help, whether it means writing a check or volunteering their time,” said Art Taylor, president and CEO of the BBB Wise Giving Alliance. “Businesses, communities and wildlife across several states have been seriously impacted by the spill and the need for assistance is great. However, the constraints in the cleanup effort limit what charities can do with your money or how you can volunteer.”

BBB Wise Giving Alliance recommends that donors and volunteers consider the following:

Beware of well-intentioned but inexperienced organizations – New nonprofits and relief organizations spring up following any major disaster. While these groups might have the best of intentions, new charities responding to a crisis may lack the resources, experience and management needed to be effective. Ideally, look for established organizations with environmental expertise or experience aiding Gulf communities.

Understand where your money is going - Find out how the organization plans to spend funds for Gulf relief, ecosystem recovery and related activities. Among the activities that charities are promoting, in addition to shoreline rescue and protection, are needs assessment, litigation, economic relief, advocacy for new governmental energy policies and research into long-term solutions to minimize effects of future disasters. Ask whether the organization offers to restrict your donation for use in its Gulf-related activities or intends to use it for general support for all of its programs.

Rely on expert opinion when it comes to evaluating a charity - Be cautious when relying on third-party recommendations posted on blogs or Web sites, as the authors might not have fully researched the organizations they list. The public can go to www.bbb.org/charity to research charities to verify that they are accredited by the BBB and meet the BBB’s 20 Standards for Charity Accountability.

Find out if the charity is doing Gulf-related work or raising funds for other Gulf relief organizations - If a charity is raising money for other groups, you may want to consider “avoiding the middleman” and give directly to those performing the work. Research ultimate recipients of the “middleman’s” donations to ensure that these organizations are equipped to do the job you want to support and are aware of the individual or organization soliciting on its behalf.

Volunteering for Gulf cleanup may require special skills or training - Learn what qualifications are necessary before setting off for the site. If you’re looking to get your hands dirty, you’re out of luck unless you’re certified to handle hazardous materials or have received training to care for injured wildlife. In fact, Gulf residents are being told not to handle any tar balls that wash up on the beach or animals that might be affected by the spill. Other volunteer opportunities may include shoreline monitoring, fund raising, office work, help in food programs for families in need and providing transportation. Numerous charities with volunteer programs ask that you register with them so that they can assess your skills and place you appropriately when openings arise.

There will be many opportunities to give, so keep checking – The Gulf region will suffer from the effects of the oil spill for years to come and, as the situation unfolds, there will be more opportunities for donors to step in and help in the future. If you can’t find a cause you can get behind right now, plan to revisit the possibility of making a donation or volunteering in the months to come.

BBB Wise Giving Alliance has compiled a list of nationally soliciting charities that meet BBB standards that are asking for donations and volunteers for the Gulf effort. More information and charity evaluations are available at www.bbb.org/charity.

Charities Assisting Gulf Coast Oil Spill Clean Up

6/10/2010

Posted on 6/10/2010 by

The Web sites of the following national charities describe activities that address the oil spill. This list only includes charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization.

American Bird Conservancy
Defenders of Wildlife
Ducks Unlimited
EarthShare
Environmental Defense Fund
Friends of the Earth
Greenpeace Fund
International Fund for Animal Welfare
National Audubon Society
National Wildlife Federation
Natural Resources Defense Council
Nature Conservancy
Oceana

Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

Vergara Joins BBB as Business Relations Specialist

6/8/2010

Posted on 6/8/2010 by
Mike Vergara of Greeley has joined the Better Business Bureau as a business relations specialist. In this new position, he is responsible for educating businesses in Greeley, Loveland and Fort Collins about the BBB, including benefits and services, and helping them become BBB Accredited Businesses.

Previously, he was a senior account executive for an outdoor advertising company.

The Better Business Bureau currently has 4,000 Accredited Businesses in 38 counties in northern Colorado and Wyoming. Vergara can be contacted at 970-488-2041 or at mvergara@wynco.bbb.org.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Can You Trust a Door-to-Door Meat Salesperson?

6/8/2010

Posted on 6/8/2010 by

When temperatures heat up, door-to-door sales people start making their rounds. And every summer, the Better Business Bureau receives complaints from consumers who purchase meat from door-to-door sales people and are dissatisfied with the quality of the product or even claim to have gotten food poisoning.

Some customers say they receive less meat than what they paid for, that the salesperson did not have appropriate permits to sell food door to door, and that the salesperson failed to stand by the promised satisfaction guarantee.

When considering buying meat from a door-to-door salesperson, the BBB recommends:

Do your research. Ask for written material about the company and let them know you’re 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 salesperson, file a complaint with your BBB. Also report any unlicensed salesperson to the appropriate city or county authorities.

Overdraft Opt-In Deadlines Approaching

6/8/2010

Posted on 6/8/2010 by
This summer, a host of new rules kick in regarding the way banks charge overdraft fees to their customers. As two critical deadlines approach, many consumers are receiving letters from their banks asking them to either “opt-in” or “opt-out” of overdraft protection services (and the accompanying fees) when they overdraw their accounts.

The new regulations are the result of comprehensive banking reform measures, and are primarily aimed at curbing overdraft fees. Banks are now required to let their customers decide whether they want their bank to “cover” ATM and one-time debit card transactions when there is not enough money in the account. Such service can help you avoid the potential problems caused by bouncing a check, but can also be costly as many banks charge fees of $30 or more for each transaction.

The new rules require banks to obtain explicit permission from customers to provide this service. Over the past several weeks, consumers have been sent questionnaires from their banks, asking their preference on whether they want the bank to either cover their overdrafts (and incurring the bank’s stated fees), or waive the service and possibly have the transactions bounce. (If a consumer “opts out”, the bank may cover the transaction anyway, but may no longer charge for it.) The deadline for banks to implement the opt-in process for new customers is July 1, and Aug. 15 for existing customers.

It is important to note that the new rules only apply to “one-time” debit card and ATM transactions, and do not apply to checks, ACH (Automated Clearing House) transactions, such as scheduled payments using the bank’s bill-payer service, or recurring debit card transactions.

A key factor in the decision, Moak explains, is whether you want to deal with the bank or with the person or business that is the subject of the bounced transaction. Fees vary, and many businesses charge up to the maximum allowed by law. Others may allow you a second chance if you contact them to plead your case. If you have opted out, and try to use your debit card at a store or ATM, it will likely be declined.

Customers should also know that banks are allowed to charge you as many times per day as their stated policy allows, potentially costing much more than you paid for the product or service.

Whatever your choice, banks will automatically consider you to have “opted out” if you do not return the form with your choice by the deadline.

Here are a few suggestions for avoiding overdrafts:
•   Track your balances daily. Many banks have Web sites that allow you to see what is going through the account, minute by minute.
•   Consider signing up for low-balance alerts. These services can let you know about a potential problem.
•   Keep a cushion of cash in your account, for times when you need it, or when you make a mistake.
•   Link your account to a savings account or line of credit.

The BBB urges consumers to contact their banks for more information about their choice. For more on the new law, the American Bankers Association has produced an informative fact sheet on its Web site at http://bit.ly/9qkVAZ.

BBB, Electric Utilities Partner on New HVAC Program

6/7/2010

Posted on 6/7/2010 by
When you need someone to install or work on an existing furnace or air conditioner, how do you know who to trust?

In an effort to help consumers choose the best contractor for the job, the Better Business Bureau has partnered with Poudre Valley REA and Platte River Power Authority to develop a list of specially selected heating, ventilation and air condition (HVAC) contractors for a new program called SELECT-HVAC.

In order to be accepted, contractors agree to be a BBB Accredited Business as well as to adhere to a code of ethics and industry standards for sizing, installation and repair, to maintain proper licenses and insurance, and to third-party inspections.

“We are pleased to enter into this important partnership that pairs consumers with businesses that have met our standards for BBB accreditation. Our letter grade ratings for companies let a consumer know how companies in our area handle market place interactions,” said Pam King, president/CEO of the BBB serving northern Colorado.

“Now there is a way for consumers to have a source for competent, reliable contractors who are endorsed by local utilities with no financial stake in the recommendation,” said Gary Myers, the certified energy specialist at Poudre Valley REA. “Until now there has not been a program like this that requires training and oversight of recommended contractors.”

As part of the program, the two electric utilities are sponsoring advanced training in the most efficient HVAC technologies and processes for participating contractors as well as opportunities for specialized certifications.

The list of participating SELECT-HVAC contractors is posted on the co-op’s Web site at www.select-hvac.com.

Start With Trust. For more information about the BBB’s energy-savings partnerships, visit wynco.bbb.org/energy-partnerships and BBB Business Accreditation, visit wynco.bbb.org or call Betti Seay at 970-488-2031 or 800-564-0371, Ext. 116.

BBB and Fort Collins Utilities Partner on Energy Rebate Program

6/7/2010

Posted on 6/7/2010 by
The Better Business Bureau and Fort Collins Utilities have entered into a partnership that ensures qualified contractors are used for energy updates and installations made in conjunction with the city’s Home Efficiency Program.

Homeowners interested in obtaining rebates for such energy-saving measures as insulation, energy-efficient windows, doors and heating and air conditioning systems, must choose to have the work done by an approved contractor, all of whom are BBB Accredited Businesses.

“BBB Accredited Businesses agree to abide by rigorous standards of trust, which include a positive track record, transparency, responsiveness, participation in dispute resolution and other ethical business practices.,” said Pam King, president/CEO of the BBB serving northern Colorado.

“Fort Collins Utilities partnership with the BBB, in support of our Home Efficiency Program, helps us to deliver high quality results to our customers through our network of participating contractors,” said John Phelan, energy services manager for the city of Fort Collins.

For more information about the Home Efficiency Program and the Participating Contractor List, which is updated regularly, visit fcgov.com/conservation/res-home-efficiency.php or call 970-221-6700.

Start With Trust. For more information about the BBB’s energy-savings partnerships, visit wynco.bbb.org/energy-partnerships and BBB Business Accreditation, visit wynco.bbb.org or call Betti Seay at 970-488-2031 or 800-564-0371, Ext. 116.

BBB Announces New Board Members

6/5/2010

Posted on 6/5/2010 by
The Better Business Bureau serving northern Colorado and Wyoming announces that Richard O. Pearson and Jeff Nuttall have joined its board of directors. Both will serve three-year terms.

Pearson is regional president for Guaranty Bank and Trust Company and is responsible for the operation of 13 branch sites in Larimer, Weld and Adams Counties.

Nuttall is publisher of the Northern Colorado Business Report and group publisher of the Wyoming Business Report.

Sue Wood, president of B. Sue Wood & Associates PC in Fort Collins, is board chairman. Returning board members are: Bonnie Dean, president, Bonnie Dean Associates, Greeley; Ajay Menon, dean, CSU College of Business; Ty Notestine, owner/partner, Thomas & Tyler LLC, Greeley; Mona Pearl, executive vice president/chief operating officer, Western States Learning Corp., Cheyenne; Mike Pierce, business development, Burns Marketing Communications, Johnstown; David Schuh, Fort Collins; Charlie Tomlinson, business director/associations, Pinnacol Assurance, Denver; and Kevin Unger, president/CEO, Poudre Valley Hospital.

Ex-officio board members are Zachary Wilson, partner, The Wilson Law Firm, Fort Collins; and Pam King, president/CEO, the BBB.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

BBB: Say ‘I Do’ to Taking Control of Finances

6/5/2010

Posted on 6/5/2010 by

After walking down the aisle – or even before saying their vows – newlyweds need to take control of their money or risk a rocky financial future, advises the Better Business Bureau.

Why? Research by Utah State University shows that married couples who frequently fight over money are more likely to split up.

In order to start your new life together on the right financial foot, the BBB offers the following advice:

Let Financial Skeletons out of the Closet. Sit down early on and discuss what outstanding obligations exist on both sides including car loans, school loans and credit card debt. Review your credit reports to get a better idea of what you are both bringing to the marriage.
Build a Budget. After you’ve gotten a grasp on your debt, it’s time to build a monthly budget. Look at monthly bills to create a realistic picture of how you spend. Discuss long-term goals — such as buying a house or car and having kids — and figure out how much money to set aside every month to reach those goals.
Designate a Driver but Travel Together. Designate one person to pay monthly bills, but hold regular discussions to map your path and nip bad spending habits in the bud.
Plan for Emergencies. Many young couples fail to save money to get through hard times such as health problems and unexpected unemployment. Experts recommend three to six months of salary in a rainy-day fund — ideally an interest-bearing account that can be easily accessed.
Save for the Future. Retirement may seem like a long way off to newlyweds, but setting aside money now means reaping big rewards later on. Take advantage of both employers’ retirement matching programs — if available — or set up individual retirement accounts.
Make a Vow to Be Savvy Consumers. Many families have had their life savings decimated after becoming a victim to fraud or identity theft. Check out your BBB’s Web site to find trustworthy businesses, get educated on the red flags of fraud and learn how to protect your identity.

BBB: Money Management Simplified

6/5/2010

Posted on 6/5/2010 by

Making ends meet has never been more difficult for so many individuals, couples and families. Maybe you’ve been downsized or let go from your job. Perhaps a medical emergency wiped you out financially. Or maybe the home that was your castle is now in the hands of the bank.

When you’re drowning in debt, what or who do you pay first? Do you skip your rent payment so you can pay your water bill? Do you ignore your credit card bill so you can put dinner on the table? Or do you charge everything to your card and pay the monthly minimum, watching the balance – and interest fees – accumulate faster than dust on a windowsill ?

Maybe you’ve relied on savings to tide you over, but now the funds are depleted. You’ve asked family for short-term loans, but they can only help so much.

Desperate situations call for desperate measures. Maybe you’ve pawned or sold most of your valuables and now you’re looking at pay-day loans. Although these loans can be beneficial if used as intended – as a stop-gap loan that is repaid with the next paycheck– the truth is, most people end up in a vicious cycle of trying to repay the loans that carry exorbitant interest rates (as high as 911 percent for a one-week loan, according to Consumers Union) only to end up deeper in debt.

The best time to get a handle on finances is before you’re in dire straits.

Begin by setting up a household budget to monitor and guide spending patterns. Look at your total monthly income and expenses. If your expenses are too high compared to your income, it’s time to find new sources of income, cut your expenses and sometimes both.
Next, build an emergency fund, even if it’s a minimal amount to start so long as you continually add to it. Aim to keep three to six months' worth of expenses in a money-market or savings account that you can access easily. Having that extra money available can help you avoid building up high-interest credit-card debt if you end up with unexpected expenses. Keep this money separate from your checking account so you don't raid it for your regular bills.
Correctly prioritize your payments. Pay your rent or mortgage and high- interest rate balances first. If possible, transfer a balance from one credit card to another card with a lower interest rate.
Make extra payments whenever possible. Extra payments can dramatically shorten the time it takes to pay down a balance, and will save you money on interest charges.
Cut back extra expenses. Be honest with yourself and identify the things you are buying that might really be “discretionary,” and then commit to a personal plan to eliminate them or trim them back. Over a span of weeks and months, those amounts can add up to a considerable amount.

If you’re serious about credit management – whether you’re ready for your first credit card or need help getting out from under a mountain of debt – check out Managing Credit – Made Simpler.

Don’t get suckered by ‘clickjacking’ on Facebook

6/3/2010

Posted on 6/3/2010 by

Scammers now use a new social engineering technique called ‘clickjacking’ to convince social network users to post malicious links on their Facebook status updates.

In a report from Sophos, an Internet security company, Facebook users end up downloading viruses that put their computers at risk after clicking shared links (marked by users as ‘Like’ on Facebook) to stories that have attention-grabbing headlines, like:

• "LOL This girl gets OWNED after a POLICE OFFICER reads her STATUS MESSAGE."

• "This man takes a picture of himself EVERYDAY for 8 YEARS!!"

• "The Prom Dress That Got This Girl Suspended From School."

• "This Girl Has An Interesting Way Of Eating A Banana, Check It Out!"

If you have clicked on any of the following links, Sophos suggests going to your Facebook page and do the following:

1) Remove the page from your “Likes and interests” section.

Click “Edit My Profile”, then “show other pages”, and then “Remove Page” … or
Click “Account” in the top right corner, then “Edit friends”, select the “Pages” list, and click the X next to the page

2) Delete the page from your newsfeed - it will probably be in the “Recent Activity” section, but you may need to scroll down a bit to find it.

BBB offers the following advice for staying safe on social networking sites:

· Be extremely wary of messages from friends or strangers that direct the user to another website via a hyperlink.

· Users should always make sure their computer's operating system and antivirus and firewall software are up to date. In some web browsers, you can download security applications that will help to find and warn users about ‘clickjacking’ weblinks.

· Parents should become “friends” of their children. Joining Facebook and monitoring your kids’ activity will help to keep a close eye to what your kids are up to.

For more information on social networking tips, visit BBB’s website: mbc.bbb.org

No Credit? Bad Credit? Beware of Loan Scams

6/3/2010

Posted on 6/3/2010 by

Arlington VA - June 3, 2010 - 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 Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “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.”

The 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 classified publications and online through classified sites like Craigslist. Often, an advance-fee loan scam Web site 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 Web sites 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.

The 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 (wynco.bbb.org) and report the incident to your police department. If you are 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 the Better Business Bureau
As the leader in advancing marketplace trust, the Better Business Bureau is an unbiased nonprofit 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.

Storm Chasers: Soon at a Weather Event Near You

5/28/2010

Posted on 5/28/2010 by Luanne Kadlub
Extreme storms continue to blow across the country, with devastating side effects: roofs ripped off houses big and small; shingles, shutters and siding decimated by golf ball-size hail; and basements – even living rooms – slathered in mud left from receding flood waters.

Storm chasers – traveling contractors – are usually on your doorstep within hours of any major weather event. It’s tempting to give them the go-ahead to make repairs, especially if a storm leaves a gaping hole in your roof or siding.

But this is one time that being “Johnny on the Spot” is not a good thing.

Storm chasers are usually from out of town and often out of state. They drive nice trucks, sometimes with their business names printed on the door, but usually not.

Remember, storm chasers are looking out for number one – not you. Some complete the work, but use inferior materials and workmanship. Others ask for a deposit or even the entire cost upfront and never return. And sometimes you get lucky and the work is done well at a fair price.

But why take chances? After a storm causes major havoc, take a deep breath and stay calm. Call your insurance agent and then start researching reliable contractors. You’ll find them in your hometown or county. Ask friends and family for references.

Check all of them out with the Better Business Bureau. Does the contractor have a local phone number and a local address? Have there been complaints? What do other homeowners have to say about his or her work? Yes, you need to ask for references and then actually call them.

Ask the contractor for proof that he or she is bonded and insured. Ask for a written contract and read it to ensure everything that was discussed is included.

Only then do you give the go-ahead to do the work.

If you’ve had work done by storm chasers, how did it turn out?

BBB Tips for Recognizing Asphalt Scams

5/27/2010

Posted on 5/27/2010 by

If you have a gravel driveway or one in need of repair, don’t be surprised if a salesman comes knocking at your door offering to give you a deal of a lifetime on asphalt. His sales spiel will include the fact that he’s finishing up a job in the neighborhood and has some leftover.

Meet the asphalt scam artists. They come out in droves during spring and summer and travel the nation looking for victims.

How can you recognize an asphalt scam? Red flags include:

Sells door-to-door. Reputable asphalt contractors rarely, if ever, sell their product door-to-door.
Claims they have leftover asphalt from another job. Professional asphalt contractors know, with great accuracy, how much paving material is needed to complete a project. Rarely do they have leftover material.
Pushes you to make a quick decision. Trustworthy contractors provide a written estimate that will be valid for days or weeks. Never hire someone on the spot. Ask for references and check them.
No contract is offered. Insist on a written contract specifying in detail the work to be performed and the agreed total price, not just price per square foot.
Cash-only sales. Most reputable contractors take checks or credit cards and don’t require cash-only terms.
Deals that seem too good to be true. If the quoted price seems very low, chances are the quality of work will also be quite low.
Unmarked truck. Trucks are unmarked or have an out-of-town address and phone number. A little research will reveal that they have no permanent address and the phone number is often an answering machine.

Consumers are safer dealing with local contractors who stand behind their work. You can find a list of BBB accredited asphalt contractors at wynco.bbb.org.

BBB Small Business Advice: Does Your Business need a Web Site?

5/27/2010

Posted on 5/27/2010 by

Consumers are more likely to use a small business that has a Web site, according to Discover Small Business Watch, a monthly index of the economic confidence of the nation's 22 million businesses with five or fewer employees. Many small businesses, however, still don’t have one.

The Better Business Bureau recommends that small business owners ask four questions to determine if building a Web site should become a top priority.

Can customers find you online? When local customers search the Internet using keywords such as your industry or even your business’s name, your company’s contact information, at the very least, needs 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? Disgruntled customers increasingly take 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 makes 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? Some small businesses get along fine with a basic Web site that explains its 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 actively searching online.

Illinois Man Lost $10,000 In eBay-Related Scam; BBB Urges Caution

5/25/2010

Posted on 5/25/2010 by
St. Louis, Mo., May 25, 2010 – Three months after a Glen Carbon, Ill., man lost nearly $10,000 in an Internet scam, he is warning others to be extremely cautious when buying on eBay, a popular auction site.

“I couldn’t sleep for a month,” said the 57-year-old mechanic, who has been fighting to recoup his money after losing it to an Internet thief in late February.

The Better Business Bureau says consumers should be especially skeptical of any seller who asks for payment via Western Union, MoneyGram, or other types of nonrefundable money transfers. Consumers also should be wary of eBay sellers who ask that they bypass the auction site and deal directly with them.

The BBB in San Jose, Calif., which handles inquiries involving eBay, said it is seeing a huge increase of fraud claims from consumers who think they are buying a vehicle from eBay, but are actually dealing with a third party pretending to be eBay. EBay specifically prohibits its sellers from requesting payment through instant cash transfer services, the San Jose BBB said. EBay also says it does not offer purchase protection for payments made by check, money orders, cash on delivery or instant cash transfer services.

The Glen Carbon man said he was shopping for a piece of construction equipment when he found one on eBay. He said he should have been suspicious because the $9,900 price tag was less than half the value of the machine. When he clicked on the photo of the machine, a notice entitled “Important!!!!” instructed him not to use the “ask seller a question” option on eBay, but rather communicate with the seller directly. The notice gave an e-mail address and, from that point until the sale was completed, he said he used the e-mail address to arrange for the purchase.

He said the seller identified herself as a recent divorcee from Bangor, Maine, who had received the skid steer loader in a divorce settlement and wanted to sell it quickly.

The buyer said he felt reassured when the woman insisted that he use an eBay escrow program to complete the transaction and sent him a link to the supposed eBay site. He learned later that the site was a fake. He said he paid for the machine via a wire transfer from his credit union to a Wells Fargo bank in Los Angeles.

The seller said the bank would hold the money in escrow for seven days to give him time to decide whether he was happy with the purchase.

When the man did not receive the machine on the day it was promised, he tried to contact the woman using the same e-mail address he had used earlier. She did not respond.

He said eBay told him, ‘You’ve been scammed. It happens every day.”

Several Internet sites have dealt with similar scams, in which thieves have offered everything from expensive communications equipment to farm tractors to boats. In many cases, sellers have asked to communicate outside the eBay communications system, have used fake sites that appear to be associated with eBay and requested various forms of wire transfer payments.

The BBB offers the following tips for buyers making purchases on eBay or similar sites:

Pay by PayPal or use a credit card or debit card. Never pay a stranger with cash or via any type of wire transfer.
Be very cautious when purchasing any item through a “Buy It Now” offer when the price is significantly lower than the prices of similar sale items. Beware of sellers who say they are offering items at unusually low prices because they want to sell quickly.
If you think you’ve been directed to a fraudulent Web page, ask a representative of the original site directly. Any seller who goes to the trouble of setting up a phony Web page is doing it for a reason.
It pays to be skeptical. If something doesn’t seem right about a transaction, it is usually best to walk away from it.
If you have questions, contact the BBB at www.wynco.bbb.org.

BBB Warns that Insurance Scams are Flourishing

5/23/2010

Posted on 5/23/2010 by

In the midst of a tight economy and in the wake of the new national health care reform bill, state and federal regulators warn about a surge in health care-related scams.

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 last year compared to 2008. The increase was largely attributed to “unauthorized entities selling fake coverage” and “the rise of medical discount plans.”

Additionally, the new health care reform bill quickly sparked new scams; shortly after it was signed into law, the U.S. 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.

To avoid getting ripped off, the BBB recommends taking the following steps when shopping for health insurance coverage:

Research the company with the BBB. Always check out the insurer’s BBB Reliability Report online at wynco.bbb.org. Reliability reports are free and tell you if the business has received any complaints and if so how many, if any government actions have been brought against the business, and its BBB 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 fine print. 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 purchase what they think is health insurance but is actually a discount medical card that can only be used to get reduced rates at limited doctor’s offices and pharmacies.

Beware of copy cats. Some phony insurers go by a name that is similar to a trusted company. Confirm that you’re dealing with the right company that has a good reputation.

Stormy Weather Attracts Questionable Contractors

5/23/2010

Posted on 5/23/2010 by

Tornados, hail, torrential rain and wind. Lots and lots of wind. It’s all the makings of another fun summer of repairing roofs, fixing leaks, rebuilding fences, replacing siding and waterproofing window wells. This is on top of all those other home-improvement projects you’ve planned.

Buy you know that the longer you put off the fix up and clean up resulting from Colorado’s summer storms, the worse the damage becomes. So when that pickup pulls up in front of your house and the driver offers to do the repairs and, oh by the way, he can start tomorrow, you jump at the opportunity because it means you’ve just saved yourself a bunch of time tracking down three contractors to call for bids and references.

How lucky can you get, right?

Lucky? Maybe. Smart? Absolutely not.

Several things are wrong with this scenario. First, it happens way too often. Whenever there’s a storm, traveling contractors swarm into the area to repair the damage. They come from several counties over, often out of state. They probably drive late-model pickups and dress nicely, so when we label them “Gypsies,” which we do, along with “travelers” and “transients,” they don’t fit the “profile.”

Secondly, if you hire a traveling contractor, you don’t know what you’re getting. Why? Because you didn’t take time to research his business to see if there are complaints and, if so, what kind. Nor do you know if other homeowners have been satisfied with the contractor’s work.

And thirdly, materials and workmanship are almost always circumspect when you’re dealing with a traveling contractor. Some homeowners get lucky and the job passes muster. But many more homeowners are taken to the cleaners. Maybe they hand over a sizable down payment never to see the contractor again. Maybe the work is done, but inferior materials are used and workmanship is sloppy. And maybe the contractor gets started, but leaves with no explanation and no way to track him down.

The Better Business Bureau encourages consumers to make time to ensure the contractor is local and has a track record of reliable workmanship. The easiest way to start is by logging on to wynco.bbb.org and clicking “Check Out a Business or Charity.” The BBB maintains a database of 4 million businesses nationwide – both BBB Accredited Businesses and those that are not. You can read the BBB Reliability Report, which includes the company’s BBB rating (A plus to F) along with its complaint history and company contact information.

Then take a couple more minutes and call references. Ask if the job was performed as agreed upon and if they were satisfied with results.

Local? Check. A good BBB rating? Check. References give thumbs up? Check. Hiring a trustworthy contractor really can be that easy.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, and LinkedIn, Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

School’s Out for Summer! Now What?

5/23/2010

Posted on 5/23/2010 by

As school-age kids in the Poudre School District are getting ready to burst out of school for the summer, many parents are wondering how they’ll keep them occupied all summerlong. This is one reason summer camps – day camps as well as weeklong or longer camps – are increasingly popular. Do your kids like sports? Art? Music? Hiking and camping? Whatever their interests, there is a camp that’s perfect.

Or at least that’s what many of those glossy brochures and/or colorful Web sites filled with idyllic descriptions of the camp experience want you to believe. Although many camps live up to the hype, it’s still your job to look beyond the sales pitch to ensure your child or children are safe and well-supervised.

When choosing a camp, use the same care and common sense you would in evaluating a day care program. Look for a camp that provides activities that are of interest to your child and is appropriate for his or her age and skill level. Some camps, such as those organized around a particular sport, are highly structured and stress development of specific skills. Others are more flexible and give campers the opportunity to choose some of their activities. Your child’s interest and personality should be your guide in choosing an appropriate program.

Standards for day and overnight camps may be different, but each should have your child’s safety and well being as its highest priority.

The BBB offers the following tips:

If possible, always visit the camp before submitting your deposit. Check its location and view the living, eating and recreational facilities. Ask about safety procedures (particularly for water activities, archery and out-of-camp trips), and assess the quality and commitment of the staff.
What are the total fees and payment deadlines? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation provided?
What is the camper return rate? The counselor return rate?
What is the camp director’s background? How is the staff trained? Are criminal checks made for employees and volunteers? What is the ratio of campers to staff members?
Are medical facilities adequate and is a nurse or doctor on site? What are the procedures for transporting injured or sick children to nearby medical facilities?
What are the safety rules and how are they enforced? Does the camp have appropriate insurance coverage?
Are family visits or other communications with campers allowed? How is homesickness handled?
Are references from parents of repeat campers available? If so, call and ask about their children’s experiences and why they recommend the camp.
Finally, look for camps that are certified by the American Camp Association. ACA-accredited camps have met up to 300 nationally recognized standards.

School's Out! Now What?

5/20/2010

Posted on 5/20/2010 by Luanne Kadlub

School’s Out – Now What?

Who can’t stop singing Alice Cooper’s “School’s Out for Summer” this time of year. Certainly not me!

Three months – give or take – of no school, no homework, no after-school activities. Three months of, “Mom, I’m bored.”

What about your kids? Are they old enough to stay home while you go to work? Do they want to go to camp? Do they have summer jobs?

Wherever your summer adventures take you, the Better Business Bureau has a couple tips that will make sure your summer is bug free.

First, you and I already know that our kids will be in front of the computer at any given moment. So if you haven’t already, make sure your computer has all the latest updates and patches and is running current antivirus software. Sit your child down and discuss “stranger danger” scenarios that happen online – inappropriate conversations in chat rooms and cyberbullying, for example – and what to do about them (leave the room, report it to mom or dad, even the police if the situation warrants it).

Second, a variety of summer camps for every possible interest are available, be it soccer camp or computer camp or scout camp. To protect your children, don’t take the glossy brochures or Web sites at face value. Take time to research the camp and check out references before handing over the camp fee.

And if you go on vacation, research travel companies and lodging with the BBB before making the reservation to ensure that the “family friendly” resort is indeed just that.

How will you and your kiddos play it safe this summer?

BBB Warns Seniors that the ‘Grandparent Scam’ is Back

5/18/2010

Posted on 5/18/2010 by

Well-meaning senior citizens who think they’re helping a grandchild in distress are becoming victims of another wave of the so-called “Grandparent Scam,” warns the Better Business Bureau. So far the scam has targeted grandparents in more than a dozen states and Canadian provinces and stolen as much as $19,000 from one victim alone.

Typically, the grandparent receives a frantic phone call from a scammer posing as their grandchild. The scammer explains that he or she has gotten into trouble — often in Canada or overseas — and needs their help. The “grandchild” might claim he or she caused a car accident or was arrested for drug possession.

In the new wave of calls, however, victims are being contacted by someone claiming to be a police officer or lawyer representing the grandchild in court.

The “grandchild” pleads to the grandparents to not tell his or her parents and asks that they wire thousands of dollars for reasons including posting bail, repairing the grandchild’s car, covering lawyer’s fees or even paying hospital bills for a person the grandchild injured in a car accident.

If you receive a call from someone claiming to be your grandchild in distress, the BBB advises that you don’t disclose any information before you confirm it really is your grandchild. If a caller says “It’s me, grandma!” don’t respond with a name but instead let the caller explain who he or she is. One easy way to confirm their identity is to ask a simple question that only your grandchild would know such as what school he or she goes to or their middle name.

If you have fallen victim to the scam, the BBB recommends that you report the incident immediately to local police and your state Attorney General’s office. If there is a request to wire money to Canada, the Canadian Anti-Fraud Call Centre has established the PhoneBusters hotline and Web site at: www.phonebusters.com or 1-888-495-8501.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Toyota Recall Information

5/18/2010

Posted on 5/18/2010 by

The following information is from Toyota, Inc

Toyota Recalls

Recently, Toyota announced two safety recalls that cover some of its models. Both recall campaigns address conditions related to the accelerator pedal. The first recall, “Floor Mat Entrapment,” regards the potential for an unsecured or incompatible driver’s floor mat to interfere with the accelerator pedal and cause it to get stuck in the wide-open position.

The second recall, “Pedal,” is being conducted because there is a possibility that certain accelerator pedal mechanisms may mechanically stick in a partially depressed position or return slowly to the idle position.

As part of the recall campaign, new car sales of vehicles subject to the pedal recall have been temporarily suspended until the problem is remedied.

In addition, we’ve temporarily halted production at some of our North American plans to focus our resources on remedying the vehicles we’ve recalled. Why have we taken this unprecedented action? Because it’s the right thing to do for our owners.

Is your Toyota subject to one or both of the recalls? Select your model from the list below to learn whether either or both of these recalls apply to your Toyota vehicle and what you should expect regarding the recall remedies.

If you have additional questions or concerns that have not been addressed here, please contact the Toyota Customer Experience Center at 1-800-331-4331. The Toyota Customer Experience Center hours are: Mon.-Fri. 5:00 am-6:00 pm, Sat. 7:00am-4:00 pm PST.

Floor Mat Entrapment

Vehicles affected by the floor mat recall include:

- 2005-2010 Avalon

- 2007-2010 Camry

- 2009-2010 Corolla

- 2008-2010 Highlander

- 2009-2010 Matrix

- 2004-2009 Prius

- 2005-2010 Tacoma

- 2007-2010 Tundra

- 2009-2010 Venza

Owners of vehicles covered by the floor mat recall should take out any removable driver’s floor mat and not replace it with any other floor mat until they receive the vehicle-based remedy. After you receive a notification from Toyota that the recall remedy for your vehicle is available, you should take your vehicle to an authorized Toyota dealer. Dealer personnel have been specially trained to implement the following vehicle-based remedy:

The shape of the accelerator pedal will be reconfigured to address the risk of floor mat entrapment. For the Camry and Avalon models involved, the shape of the floor surface underneath will also be reconfigured to increase the space between the accelerator pedal and the floor.

Pedal

What you should do if you believe your vehicle is affected by this condition:

Toyota’s accelerator pedal recall and suspension of sales is confined to the following Toyota Division vehicles:

- Certain 2009-2010 RAV4

- Certain 2009-2010 Corolla

- 2009-2010 Matrix

- 2005-2010 Avalon

- Certain 2007-2010 Camry

- Certain 2010 Highlander

- 2007-2010 Tundra

- 2008-2010 Sequoia

Highlander hybrids and Camry hybrids are not affected by this action and will remain for sale.

Further, Camry, RAV4, Corolla and Highlander vehicles with VINs that begin with “J” are not affected.

If you have noticed that your accelerator pedal is hard to depress, slow to return or is not smooth during operation, the vehicle should be stopped at the nearest safe location, the engine shut off and a Toyota dealer contacted for assistance.

What if you experience a sticking accelerator pedal while driving?

Each circumstance may vary, and drivers must use their best judgment, but Toyota recommends taking one of the following actions:

- If you need to stop immediately, the vehicle can be controlled by stepping on the brake pedal with both feet using firm and steady pressure. Do not pump the brake pedal, as it will deplete the vacuum utilized for the power brake assist.

- Shift the transmission gear selector to the Neutral (N) position and use the brakes to make a controlled stop at the side of the road and turn off the engine.

- If unable to put the vehicle in Neutral, turn the engine OFF. This will not cause loss of steering or braking control, but the power assist to these systems will be lost.

- If the vehicle is equipped with an Engine Start/Stop button, firmly and steadily push the button for at least three seconds to turn off the engine. Do NOT tap the Engine start/stop button.

- If the vehicle is equipped with a conventional key ignition, turn the ignition key to the ACC position to turn off the engine. Do NOT remove the key from the ignition, as this will lock the steering wheel.

Q and A

What is the solution Toyota announced to fix sticking accelerator pedals?

Toyota’s engineers have developed and rigorously tested a solution that is both effective and simple. A precision-cut steel reinforcement bar will be installed into the accelerator pedal assembly, thereby eliminating the excess friction that has caused pedals to stick in rare instances.

What is the problem that could cause accelerators to stick and led to the recall?

The issue involves a friction device in the pedal designed to provide the proper “feel” by adding resistance and making the pedal steady and stable. This friction device includes a “shoe” that rubs against an adjoining surface during normal pedal operation. Due to the materials used, wear and environmental conditions, these surfaces may, over time, begin to stick and release instead of operating smoothly. In some cases, friction could increase to a point that the pedal is slow to return tot eh idle position or, in rare cases, the pedal sticks, leaving the throttle partially open.

How does a steel reinforcement bar solve this problem?

The steel reinforcement bar will reduce the surface tension between the friction shoe and the adjoining surface. With this reinforcement in place, the excess friction that can cause the pedal to stick is eliminated.

How does Toyota know that this solution will be effective?

We have confirmed the effectiveness of the newly reinforced pedals through rigorous testing on pedal assemblies that had previously shown a tendency to stick. Nothing is more important to Toyota than the safety and satisfaction of our customers, and we have high confidence in our solution to fixing our customer’s vehicles.

When can I get my vehicle fixed?

We will begin contacting customers to let them know when to bring in their vehicles for the fix, and some of them will be notified as early as this week. At Toyota, our highest priority has been to quickly and effectively address the needs of owners of affected vehicles. Parts to reinforce the pedals are already being shipped for use by dealers, and many Toyota dealers will work extended hours to complete the recall campaign as quickly and conveniently as possible—some even staying open 24 hours a day.

How long will it take for a dealer to repair my automobile?

30 minutes work

Is the repair covered by warranty? Will drivers have to pay any money out of picked for this work?

Toyota will cover all repair costs associated with this work.

Does the reinforced pedal feel any different?

Drivers should no notice any change in the feel of the pedal.

Is my car safe to drive if it has no yet received this solution?

To be clear, the condition is rare and generally does not occur suddenly. It can occur when the pedal mechanism becomes worn and, in certain conditions, the accelerator pedal may become harder to depress, slower to return, or in the worst case, stuck in a partially depressed position.

Customers who experience an accelerator pedal that is hard to depress, slow to return or is unsmooth during operation should drive the vehicle to a save location, shut off the engine and contact a Toyota dealer for assistance.

In the event that a driver experiences an accelerator pedal that sticks in a partial open throttle position or returns slowly to idle position, the vehicle can be controlled with firm and steady application of the brakes. The brakes should not be pumped repeatedly because if could deplete vacuum assist, requiring stronger brake pedal pressure. The vehicle should be driven to the nearest save location, the engine shut off and contact a Toyota dealer for assistance.

What if my vehicle is also affected by the floor mat recall? Which will be addressed first?

We are working to coordinate the pedal entrapment and the sticking pedal recalls to minimize the number of customers who will have to have two service visits.

What do I do if I experience a sticking accelerator pedal before my car receives the remedy? Should I bring my car to a dealer?

Customers who experience an accelerator pedal that is hard to depress, slow to return or is unsmooth during operation should drive the vehicle to a safe location, shut off the engine and contact a Toyota dealer for assistance.

Otherwise, no action is required at this time unless you feel you are experiencing this condition. We will begin contacting customers to let them know when to bring in their vehicles for the fix, and some of them will be notified as early as this week.

Can I return my vehicle to Toyota if I purchased it in the five-day period between when the recall was announced and Toyota stopped the sale on my vehicle? What are my options?

Toyota will work with customers who have concerns about their new vehicles on a case-by-case basis.

Which models are affected by the stick accelerator pedal recall/stop sale?

Toyota’s accelerator pedal recall and suspension of sales is confined to the following Toyota Division vehicles:

i. Certain 2009-2010 RAV4

ii. Certain 20909-2010 Corolla

iii. 2009-2010 Matrix

iv. 2005-2010 Avalon

v. Certain 2007-2010 Camry

vi. Certain 2010 Highlander

vii. 2007-2010 Tundra

viii. 208-2010 Sequoia

Highlander hybrids and Camry hybrids are not affected by this action and will remain for sale. Further, Camry, RAV4, Corolla, and Highlander vehicles with VINs that begin with “J” are not affected.

What is a “VIN” and how do I find it on my automobile?

A Vehicle identification number (VIN) is a 17-character sequence of numbers and letters that is used by the automobile industry to uniquely identify motor vehicles. It can be viewed through the windshield on the driver’s side at the front of the dashboard.

In addition, the VIN number is also located on a sticker located on the driver’s side pillar, with the tire inflation information and on the vehicle’s registration.

Why are mechanically similar Lexus and Scion vehicles not affected by this recall?

The recall-affected pedal is confined to one of Toyota’s suppliers. That supplier’s pedals are not used on Lexus and Scion vehicles.

Information provided by www.Toyota.com/recall

Visit the Department of Transportation’s website at: www.dot.gov

BBB Lists Top 10 Scams and Rip-Offs of 2009

5/18/2010

Posted on 5/18/2010 by

The Better Business Bureau’s list of top 10 scams and rip-offs of 2009 includes many that sought to take advantage of people suffering from tough economic circumstances. Additionally, the use of free-trial offers to lock consumers into recurring credit and debit card charges was widespread online.

“While many scams on the list are perennial problems, some were distinct in 2009 because of the economic climate and scammers’ penchant for taking advantage of the top headlines,” said Pam King, president/CEO of the BBB serving northern Colorado and greater Wyoming. “Some scams plagued different parts of the country more than others. For example, in places particularly hit by the housing crisis, bogus offers for foreclosure rescue or debt assistance was rampant.”

Following, in no particular order, is the BBB’s list of top scams and rip-offs that took advantage of consumers and small business owners across the U.S. in 2009:

1. Acai Supplements and Other “Free” Trial Offers – Ads offering trial offers for teeth whiteners, acai anti-aging pills and other miracle supplements blanket the Internet, including trusted Web sites of national news organizations. The marketing campaigns often falsely claimed an endorsement by Oprah, Rachel Ray and Dr. Oz. Thousands of consumers complained to the BBB that the free trial ended up costing as much as hundreds of dollars, month after month.

2. Stimulus/Government Grant Scams – Even before President Obama announced the stimulus plan in February, scammers had already set up schemes for misleading consumers and small business owners into thinking they could get a piece of the pie. Offers for worthless assistance and advice on how to get government grants bombarded consumers online, over the phone and via mail and e-mail.

3. Robocalls – Owning a cell phone or having their phone number on the do-not-call list did not prevent thousands of people across the U.S. from getting harassing automated telemarketing calls in 2009. The robocalls often claimed that their auto warranty was about to expire, which wasn’t true, or offered help in reducing their interest rate on their credit cards. The prevalence of robocalls violating federal telemarketing laws prompted the FTC to increase restrictions on the practice in 2009.

4. Lottery/Sweepstakes Scam – The victim receives a letter in the mail pretending to be from Reader’s Digest, Publisher’s Clearing House or a phony foreign lottery claiming that he or she has won millions. The letter comes with a check that represents only a portion of the total winnings. In order to get the rest, the victim has to deposit the check and then wire hundreds of dollars back to the scammers supposedly to cover taxes or some other bogus fee. The victim wires the money, but the prize never arrives.

5. 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. Another common scam was reported to BBB by job hunters who were told by a prospective employer that they had to check their credit report before being considered for a job. The job offer is actually a marketing ploy for online credit monitoring that costs the victim every month until they cancel.

6. Google Work-from-Home Scam – Countless Web sites cropped up in 2009 that claimed you could learn how to make money from home using Google or Twitter and offered a free trial of learning materials. The Web sites often included the Google or Twitter moniker and logo. As a result, many people who complained to BBB thought they were getting a job with Google or Twitter when in fact they were being lured into another misleading free-trial offer and were billed every month for the materials and other mystery charges that added up to hundreds of dollars.

7. Mortgage Foreclosure Rescue/Debt Assistance – Many families are struggling in the current economy and hucksters are offering to help them save their house from foreclosure or help them get out of credit card debt. Unfortunately, victims are paying hundreds of dollars upfront for assistance they desperately need but ultimately never receive.

8. Mystery Shopping – Consumers across the country thought that they could make some extra money by becoming a secret shopper and evaluating customer service of various stores. The victim is asked to evaluate their shopping experience at a few stores as well as a money wiring service such as Western Union or MoneyGram by wiring money back to the scammers. A seemingly real-looking check is supposed to cover the costs, but ends up being a fake. The victim is out hundreds, if not thousands, of dollars.

9. Overpayment Scams – Overpayment scams typically target small business owners, landlords or individuals with rooms to rent and sellers on classifieds sites like Craigslist. Typically the scammer pretends to be a customer, possible renter or interested buyer, respectively. The victim receives a check for more than the amount requested. The scammers then ask the victim to deposit the check and wire the extra amount elsewhere, such as to a shipping company. Ultimately the check is fake and the victim is wiring money back to the scammers.

10. Phishing e-mails/H1N1 spam – A perennial problem, phishing e-mails pop up in inboxes and take various forms such as appearing to be from a business, a government agency or official or even a friend. Whatever the setup, the goal of any phishing e-mail is the same: To trick victims into divulging sensitive financial information or to infect the victim’s computer with viruses and malware. Spam e-mail selling items to prevent the spread of the H1N1 virus were particularly rampant in 2009.

Start With Trust. To file a complaint or for more information about scams and spam, visit wynco.bbb.org or call 970-488-2035 or 800-564-0371. Always research a business with BBB before you sign any contracts or hand over any money.

BBB and Direct Selling Education Foundation Partner to Educate Direct Sellers and their Customers

5/18/2010

Posted on 5/18/2010 by
Arlington, VA – May 18, 2010 - The Better Business Bureau and the Direct Selling Education Foundation 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 U.S. 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 snf 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 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
The BBB, the leader in advancing marketplace trust, 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. 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, 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 nonprofit 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. For more information, visit www.dsef.org.

Getting Started in Direct Selling

5/18/2010

Posted on 5/18/2010 by

If you’re interested in becoming a direct selling consultant, here are the basic steps involved in getting started:

Company Research

The first step is to identify a company and product or service that appeals to you. There’s no right or wrong answer, because the choice is different for every person. But a good place to start is choosing a product or service that you use yourself.

Most established direct selling companies have Web sites that you can visit. You should also check with the local Better Business Bureau and state consumer protection agencies to see if a company in which you’re interested has had any complaints filed against it. If so, what was the nature of those complaints and how were they handled? If you know anyone who works (or has worked) as a direct sales representative for the company, talk to them about his or her experiences. If possible, try to talk with someone who has similar goals and objectives so experiences and lessons will be comparable.

Be sure to ask as many questions as you need to get a good feel for the company, its products and its policies and procedures. If the person recruiting you can’t answer all of your questions call the company directly. Any reputable company will be happy and available to talk with you. Ask for copies of any company literature (and read it!) and check out the company’s Web site.

You might also want to check out what others have to say about the company. You’re sure to find a great deal of negative information about many companies online. Be sure to consider this information in the context of your research, but be careful about being swayed by biased information from unreputable sources. At the same time that the Internet has become a resource for gathering information, it also tends to be a breeding ground for negativity and information taken out of context.

Questions You Should Ask

Before you sign up, be sure to ask questions about the following:

Start up costs. The start up costs in direct selling companies are generally modest – usually the cost of a sales kit – and are often less than $100. Legitimate companies want to make it easy and inexpensive for you to start. On the contrary, pyramid schemes make their money through fees paid by new recruits or by loading inventory and/or training aids on them. High entry fees should be a warning sign.

Unsold inventory

Compensation

About Direct Selling Education Foundation (www.dsef.org)
The Direct Selling Education Foundation, 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 nonprofit 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. For more information, visit www.dsef.org.

About BBB (www.us.bbb.org)
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. BBB provides objective advice, free business BBB Reliability ReportsTM and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 126 BBBs serve communities across the U.S. and Canada, evaluating and monitoring nearly 4 million local and national businesses and charities.

As a matter of policy, the CBBB and Better Business Bureaus do not endorse any product, service or company.

Opting Out of Junk Mail Protects Your Identity While Being Good for the Environment

5/14/2010

Posted on 5/14/2010 by
Americans throw away more than 4 million tons of mail a year, according to the U.S. Environmental Protection Agency. And that garbage is a gold mine for identity thieves.

If you’re ready for a greener lifestyle and want to prevent ID theft at the same time, the Better Business Bureau suggests putting a stop to unwanted mail. It’s easier than you may think.

Pre-approved credit card offers are an easy target for identity thieves who use them to open fraudulent credit card accounts. Opt out of credit card offers for at least five years by calling 1-888-567-8688 or by visiting www.optoutprescreen.com. Your Social Security Number and birth date are required, but they are encrypted for your protection. This service is offered by the three major credit reporting bureaus.

Unsolicited mail addressed to children under age 13 can be a sign that identity theft has occurred. If a child is getting unwanted mail, parents should contact the three credit bureaus and inform them of the situation. The credit bureaus and their numbers are:

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

Catalogs can overrun a consumer’s mailbox. You can request individual companies to stop sending catalogs or you can stop mass mailings by e-mailing Abacus, an alliance of catalog and publishing companies, at optout@abacus-us.com or by writing to Abacus Inc., P.O. Box 1478, Broomfield, Colo. 80038.

Also, the Direct Marketing Association, a trade group representing 5,200 companies that use telephone, mail and the Internet to pitch products directly to consumers, gives consumers the option to opt out of mail at dmachoice.org. It takes up to six months for the solicitations to stop.

You can stop mailings of coupon packs by filling out an online request at www.coxtarget.com/mailsuppression/s/DisplayMailSuppressionForm or by contacting the sender of the individual packs.

To stop “resident” or “occupant” mailings, contact Valassis, formerly known as ADVO Inc., by calling 1-888-241-6760, by sending a written request to ADVO Inc. Customer Assistance, P.O. Box 249, Windsor, CT 06095 or by going to www.advo.com/consumersupport.html.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, and LinkedIn, Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

What Does 'Bonded and Insured' Really Mean?

5/13/2010

Posted on 5/13/2010 by Luanne Kadlub

Consumer advice – including that coming from your BBB – routinely recommends making sure a contractor or business (roofer or house sitter, for example) is “bonded and insured.”

And you’re thinking to yourself, “OK, but why?”

Let’s say you’re going on vacation and rather than kennel your poodles or rely on the teenage girl next door, you hire a house sitter. When you return after a weekend in Vegas or a week in Waikiki, you discover some pricey jewelry missing. Now what?

Or here’s another scenario the BBB hears a lot: A homeowner hires a contractor to repair a roof or remodel the basement and midway through the job the contractor picks up and leaves never to return. Now what?

The answer to “now what” is your losses are covered if – and only if – the business or contractor is bonded and/or insured.

Businesses that are “bonded” – typically those that work at your home or business – do background checks on employees. But bonding provides other protections, including coverage if the job is not completed. If a contractor walks out on a job, the client can make a claim on the bond and be compensated. And that homeowner with the missing jewelry can also make a claim.

Insurance, on the other hand, covers liability issues that may arise in the course of someone’s work. If a house painter is injured in a fall off a ladder, his or her insurance would provide compensation, not you or your insurance carrier. A bond wouldn’t kick in because the injury won’t prevent completion of the job.

When hiring a contractor or business to do work around your home or business, ask if they are bonded and insured and ask to see documentation that verifies it. And don’t forget to check out their BBB Business Reliability Report – we keep a database of more than 4 million businesses nationwide.

Have you had experiences with a contractor who wasn’t bonded and insured?

BBB Advice for Getting Deals on Collective Buying Sites

5/13/2010

Posted on 5/13/2010 by
Everyone looks for ways to pinch pennies, which is why collective buying Web sites such as Groupon.com, a BBB Accredited Business, are becoming popular options. But before signing up for the next big deal on sites like this, the Better Business Bureau recommends researching all of the businesses involved and reading the fine print thoroughly.

Collective buying sites typically offer one deal every day for products, services or gift cards redeemable at local businesses — including restaurants, retail stores and spas. If enough people sign up to buy the deal of the day, they’ll get it at a significant discount. If not enough people are interested, the deal is canceled and no one is charged.
Interested in checking out a collective buying site? If so, the BBB recommends that online shoppers:

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

Buy only what you will use. While the idea of skydiving at half the usual cost sounds like a great deal, if you aren’t actually going to go through with it, you’re wasting your money. Focus on items and services you’ll use from stores and locations that are close by. If you experience buyer’s remorse, you might not have a way to get your money back.

Read the fine print — all of it. Don’t assume that every deal is like the next. The fine print on every offer is going to be different because every business has a different policy when it comes to eligibility, expiration dates, refunds and blackout dates. Read the terms and conditions on the collective buying Web site, the specific terms and conditions listed with the offer, and seek out the fine print on the business’s own Web site as well.

Don’t go a day without your BBB. Follow us on Twitter, Facebook, LinkedIn, and Flickr. For more consumer information or to check out the BBBlog, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Avoid Moving Scams this Summer

5/6/2010

Posted on 5/6/2010 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 the Better Business Bureau and the American Moving & Storage Association.

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, the BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

The BBB received more than 8,400 complaints against movers in 2009. Complaints include those 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/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 online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with 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.wynco.bbb.org.

About the BBB
BBB, the leader in advancing marketplace trust, 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. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust.

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.

2010 Census Takers Knocking on Doors - BBB says be cooperative but beware of scammers

5/5/2010

Posted on 5/5/2010 by

The next phase of the 2010 Census is under way and roughly 700,000 census takers are knocking on the doors of 48 million households that did not mail back census forms.

How can I identify a census taker?
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 black canvass bag with a Census Bureau logo. If asked, he or she will provide supervisor contact information and/or the local census office phone number for verification.

What questions will be asked?
The census taker will only ask questions that appear on the 2010 Census form, such as the number of people living at the residence, whether the residence is owned or rented, and age, sex, and date of birth of those living at the residence

Why might a census taker visit me if I mailed my form back?
Even if you returned the form, you might still get a visit or phone call as a spot check for accuracy, if there are questions about your response or if the form was mailed late.

Do I have to respond?
Yes. Your participation in the 2010 Census is vital and required by law. By responding, you help your community get its share of more than $400 billion per year in federal funds to help increase job training, improve schools and more.

How safe are my answers?
All census responses are confidential; they are protected by law and not shared with anyone—including other government agencies like Immigration and Naturalization Services

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 health care, employment and the demographics of your household.

Start With Trust. For more information on the 2010 Census visit 2010census.gov and for advice from BBB on how to avoid scams visit www.wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Best Mother’s Day Present is Work Performed by BBB Accredited Businesses

5/5/2010

Posted on 5/5/2010 by

Mother’s Day heralds, by mere location on the calendar, the start of many spring projects, be it planting flowers, redoing the entire landscape or even remodeling or fixing up the house.

But what if you’re not up to doing the work yourself? Who you hire to fix up and clean up can make a huge difference in the quality of the work performed and even your checking account balance.

One of the most common scenarios that the Better Business Bureau hears about all year-round – but especially in warm-weather months – is that of the traveling contractor. They show up offering to build a fence, repair your roof or add a deck to your house. It may seem like the easy way out – no waiting, no time spent checking references – but it is risky business.

These door-to-door contractors, many from out of state, try to get their foot in the door by saying they have materials left over from a job down the street (a common ruse for out-of-town asphalt pavers). Sometimes they claim they’ll get started as soon as you provide a sizable down payment or even the entire cost of the project. But as soon as they have money in their hands, they’re off conning another homeowner. You’re left with no money and no fence.

Sometimes these traveling contractors do start on the job, but materials and workmanship are subpar (now you’re wishing you took the time to call a couple references).

The best way to avoid these kinds of predicaments is to be a smart consumer. Ask friends, family and colleagues for recommendations. Take the extra time needed to research the business by checking its BBB Business Reliability Report at wynco.bbb.org (more than 4 million nationwide are in the BBB database), call references and, if possible or practical, visit a completed job or two.

Don’t stop there. Find out how long the company has been in business, how long it’s been in your area, and if it has a local phone number and street address. Ask if the company uses its own workers or hires individual subcontractors. And, if applicable, make sure they’re licensed to do business.

But why take chances with the unknown? BBB eQuote puts consumers in touch with Accredited Businesses throughout northern Colorado and Wyoming that pledge to adhere to the BBB’s principles of trust. Find eQuote at wynco.bbb.org, click on the logo and follow the easy steps to either request information or project bids.

Yes, sometimes it can be that easy!

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Govt. Rebates for Energy Saving Efforts

5/5/2010

Posted on 5/5/2010 by
The Governor's Energy Office will offer rebates for various energy upgrades beginning 8 a.m. on Monday, April 19th as part of the state's Recharge Colorado campaign.

Through the Recharge Colorado campaign, the Governor's Energy Office, utilities, cities and counties across the state are partnering to offer money-saving rebates and programs to enable Coloradans to participate in the New Energy Economy. Rebates can be reserved through the Recharge Colorado Web site beginning Monday and will be available until the money runs out. Rebates include:

Replacement appliance rebates for clothes washers, refrigerators and dishwashers
Home upgrade rebates such as insulation, furnaces and water heaters
Solar electric, hot water and wind rebates

The GEO and its partners are providing roughly $18 million worth of rebates for Colorado with this program. The money is expected to provide approximately 75,000 rebates, including about 16,000 rebates for ENERGY STAR refrigerators, dishwashers and clothes washers.

Residents can tap into the campaign at www.RechargeColorado.com, where they can reserve a rebate online. As a supplement to the Web site, a call center will also be available at 1-800-462-0184. Please note: The Web site and call center will not be operational until 8 a.m. Monday. There will be no information at the Web address or call center number prior to that time.

The Recharge Colorado campaign is also teaming with the Better Business Bureau to help consumers connect with energy efficiency and renewable energy service providers. On the new site, consumers will be able to access BBB Reliability Reports on businesses that offer applicable services and products.

“Our office and other BBB chapters across the state are proud to join the GEO in this campaign,” said Pam King, president/CEO of the BBB serving northern Colorado and Wyoming. “Having access to BBB databases will make it easier for consumers and businesses to find organizations that provide the products and services they need to participate in this New Energy Economy.”

The Recharge Colorado Web site and call center were developed to help people across the state learn how to make energy savings a simple part of their everyday lives. The new site will offer personalized energy planning tools and a comprehensive, first-of-its-kind database that will pull in energy-related information from around the state. The site will also help people find the latest rebates on energy-efficient appliances, insulation and solar power, the simplest ways to weather-proof their homes at the lowest cost and the newest energy innovations and opportunities available where they live.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

Spring is in the Air -- and Scammers are Around the Corner

5/5/2010

Posted on 5/5/2010 by Luanne Kadlub

I love spring. The flowers, the birds, the bees and the magazine salesmen.

Strike that. There’s not much to love about strangers who appear at your door unannounced trying to sell you something you don’t need that will benefit this or that often- phony organization.

Now if it’s the kid down the street selling cookies or popcorn, that’s one thing. Chances are you know them or at least have seen them out and about and you might even know their parents.

But if it’s a kid who claims to live down the street but he/she doesn’t look vaguely familiar, there’s a good reason for that. They aren’t the kid from down the block. They’re probably from miles away, another suburb, or even another city. Some scam artists bus in van loads of kids who’ve been duped into thinking they’ve landed easy summer jobs that will make them lots of money by selling magazine subscriptions or candy.

Or it might not even be a kid, but an adult pedaling his or her services as a contractor. Need a new roof? How about a fence? Maybe give the Painted Lady a fresh coat of color? Now’s not the time to act on a whim. The smart homeowner is one who takes the time to check out contractors for jobs they want done. The BBB maintains a database of 4 million businesses in North America, which means chances are good that the contractor or business you’re researching has a BBB Business Reliability Report.

So enjoy spring – but make the BBB part of your fix-up and cleanup action plan!

What kind of precautions do you take when hiring contractors?

Tax Credit Info - It's in the Mail

4/27/2010

Posted on 4/27/2010 by Luanne Kadlub
Have you gotten your postcard from the IRS?

Millions have been sent to small business owners alerting them to the new Small Business Health Care Tax Credit and to encourage them to check their eligibility.

What if you don’t get a postcard? No problem, your small business might still be eligible provided it fits these parameters:

    · Covers at least 50 percent of the cost of health-care coverage for some workers based on the single rate;

    · Has less than the equivalent of 25 full-time workers;

    · And pays annual wages below $50,000.

The maximum credit a small business can receive is up to 35 percent of its 2010 premium cost. This rate increases to 50 percent on Jan. 1, 2014. The tax credit phases out gradually for firms with average wages between $25,000 and $50,000 and for firms with between 10 and 25 full-time employees.

Want to learn more? Check out the IRS video on You Tube or visit the IRS to get all the details and then some.

Will this new tax credit help your small business?

Tax Credit Info -- It's in the Mail

4/27/2010

Posted on 4/27/2010 by Luanne Kadlub

Tax Credit Info –It’s in the Mail

Have you gotten your postcard from the IRS?

Millions have been sent to small business owners alertingthem to the new Small Business Health Care Tax Credit and to encourage them tocheck their eligibility.

What if you don’t get a postcard? No problem, your smallbusiness might still be eligible provided it fits these parameters:

Covers at least 50 percent of the cost ofhealth-care coverage for some workers based on the single rate;
Has less than the equivalent of 25 full-timeworkers; and
Pays annual wages below $50,000.

The maximum credit a small business can receive is up to 35percent of its 2010 premium cost. This rate increases to 50 percent on Jan. 1,2014. The tax credit phases out gradually for firms with average wages between$25,000 and $50,000 and for firms with between 10 and 25 full-time employees.

Want to learn more? Check out the IRS video on You Tube orvisit the IRS to get all the details and then some.

Will this new tax credit help your small business?

Phishing E-Mails Often Target Financial Institutions - Norbel Credit Union is Latest Victim

4/23/2010

Posted on 4/23/2010 by

Financial institutions — especially credit unions — are a favorite target of phishing e-mails. The e-mail usually states that your account will be closed unless you update personal information. According to the Better Business Bureau, the latest company targeted by a phishing scam is Norbel Credit Union, a BBB Accredited Business with locations in Fort Collins, Loveland and Greeley.

The BBB advises that trustworthy financial institutions do not ask for sensitive financial information such as account numbers via e-mail.

To avoid getting hooked in a phishing scam, the BBB advises:

Don’t reply to an e-mail or pop-up message that asks for personal or financial information. Your bank or credit union already has your information and don’t need to “verify” it.
Use anti-virus and anti-spyware software as well as a firewall and keep them updated.
Don’t e-mail personal or financial information.
Review credit card and bank account statements regularly.
Be cautious opening attachments or downloading files from e-mails.
Forward phishing spam to spam@uce.gov and to the company, bank or organization impersonated in the phishing e-mail. Most organizations have information on their Web sites about where to report problems.

If you believe you’ve been scammed, file a complaint at ftc.gov.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

PHS Student Wins BBB/Rotary Ethics Scholarship

4/21/2010

Posted on 4/21/2010 by

Laura Jo Washle, a senior at Poudre High School in Fort Collins, is the 2010 recipient of the BBB/Rotary $5,000 Business Ethics Scholarship presented by the Better Business Bureau and Rotary Districts 5440, 5450 and 5470 at the April 20 BBB Torch Awards for Business Ethics. The scholarship is funded by the BBB Foundation.

Washle, who plans to attend Creighton University at Omaha, Neb., and major in business with a pre-med track, is the daughter of Wynn and Karen Washle of Fort Collins. She was chosen from applicants from Colorado and Wyoming who wrote essays based on Rotary’s Four-Way Test: Is it the truth? Is it fair to all concerned? Will it build goodwill and better friendships? Will it be beneficial?

Washle’s essay, titled “The Rotary Four-Way Test: My Crossroad’s Guide,” focused on her experiences in student council and getting students involved in the Poudre School District’s first United Way volunteer drive.

Washle has been involved in student council all four years at PHS. She is a student representative on the United Way of Larimer County’s board of directors and in 2009 was named PHS student of the year by Fort Collins Rotary. She also plays volleyball and basketball and sings in the choir.

In her community, Washle helped initiate a 5K run to raise money for computers for Habitat for Humanity families. During the holidays she delivers meals and gifts with the local Rotary Club and visits senior centers during the holidays to deliver presents and sing carols.

In addition, she was a 2009 delegate to the Congressional Student Leadership Conference in New York City and, in 2004, was the youngest attendee at the Capitol Conference in Washington D.C. She works as a summer camp counselor for the Association of Catholic Student Council.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

The power of bbb.org

4/21/2010

Posted on 4/21/2010 by
What do American Idol, Craigslist, ESPN, iTunes and MSN have in common with the BBB?

They're all Web sites with a Google PageRank of 8 (out of 10).

For those of you – like your BBB president/CEO – whose eyes are glazing over already, we’ll try to explain how great this is for you as BBB Accredited Businesses.

Google's Web site states: "PageRank reflects our view of the importance of web pages by considering more than 500 million variables and 2 billion terms. Pages that we believe are important pages receive a higher PageRank and are more likely to appear at the top of the search results."

What does this mean for you?

This means that when people do a search for plumbers, accountants, lawn services, insurance agents, mechanics, financial planners or any of the 1,700 other industries in our database, the chances that YOUR BBB Reliability Report shows up on the first page of the search results is pretty good.

Your BBB Reliability Report includes your status as a BBB Accredited Business, your letter grade rating, information about complaints and how they were resolved and contact information, including a link to your Web site if you’ve provided it.

These links are typically expensive. Sites with rankings much lower than bbb.org often charge hundreds of dollars each year just to link from their site to yours.

Your BBB Accreditation fees include a link from bbb.org’s Reliability Report on your business to your Web site, at no additional charge. We’ve heard from several Accredited Businesses who have said that this link alone is well worth the Accreditation fees they pay each year.

Simply having a link from your BBB Reliability Report to your business’ Web site significantly increases the value of your business’ site and helps your page move up in search results. This makes it easier for consumers to find your business when they search online. (For an added push to help your customers find you, encourage them to download the free browser plug-in from Azigo!)

We will continue to work to improve bbb.org’s ranking as another way we seek to add value to your BBB Accreditation.

For additional information and advice you can trust, start with bbb.org.

BBB Travel Tips: Vacation Rentals for Budget-Minded

4/20/2010

Posted on 4/20/2010 by
Many budget-minded travelers are opting out of mint-on-the-pillow experiences and opting in on vacation rentals. But the Better Business Bureau advises vacationers to do their research before booking rentals because sometimes the properties don’t live up to their hype.

On average, U.S hotels cost twice per square foot more than vacation rentals, according to HomeAway, an online vacation rental company.

Many Web sites help travelers find vacation rentals. Some companies specialize in connecting renters and vacationers — and take a cut for their efforts — while others cut out the middleman and potentially some consumer protections such as money-back guarantees.

The BBB offers the following advice to travelers looking to save money with a vacation rental:

Start Planning Now. Rental properties in popular locations get snatched up quickly, so start your search early.

Do your Homework. If you plan on enlisting the help of a third-party Web site or professional service, always check them out with BBB first at wynco.bbb.org.

Manage Expectations. A home rental is not a hotel so you can’t expect the same level of professionalism, cleanliness or modernization. Some companies guarantee that the property meets your expectations. If a guarantee isn’t offered, consider travel insurance.

Take a Virtual Tour. Sometimes pictures and descriptions of the property posted by renters are deceiving. Research the property online and take a virtual tour of the surrounding area using Google Maps Street View. Don’t be tentative about asking plenty of questions about the property.

Get it in Writing. Make sure all verbal agreements are included in the rental contract including details on the deposit, rules on pets, refunds, and what is included in the cost of the rental such as utilities, internet, etc.

Use a Secure Form of Payment. Do not send money until you’ve signed the rental agreement and never pay via money wire. Instead, use a credit card that provides some consumer protection.

Vacation Rentals by Owner. Take extra precautions when renting from an individual, particularly for international rentals. If possible, get references from previous renters and double-check the location of the property to avoid getting stuck in international waters.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

New EPA Rules on Lead-Based Paint Require Certification & Training

4/20/2010

Posted on 4/20/2010 by

Hundreds of thousands of businesses nationwide — contractors, painters, handymen and landlords — will be affected by new rules on lead-based paint safety that go into effect April 22.

The new rules are aimed at limiting the risks of lead poisoning that might result from renovations made to older buildings. The Better Business Bureau warns contractors, renovation companies and DIY landlords that failure to meet new certification and training standards could result in significant fines up to $37,500 per violation.

Firms affected by the Renovation, Repair and Painting Rule will be required to:

Apply to the EPA to be approved as a Certified Renovation Firm and receive the necessary training and certification from an EPA-accredited training provider for Lead Safe Work Practices.
Assign a Certified Renovator to be present at each project and ensure that lead safe work practices are used throughout the project.
Provide consumers or tenants with the EPA pamphlet “Renovate Right” prior to the start of each project and maintain records documenting that the required information has been provided at each project subject to the rule.

Below are frequently asked questions on the new Renovation, Repair and Painting Rule:

Who must become certified? The rule covers any person or firm that performs renovations for compensation. This includes contractors, home renovation companies, window replacement contractors as well as plumbers, electricians, painters, maintenance workers and landlords who perform repairs and renovations themselves.
What types of buildings does the rule apply to? The rule applies to any residential property built before 1978. The rule also applies to any public building or commercial building built before 1978 where children under the age 6 are present, or could potentially be present, on a regular basis. This includes, but is not limited to, child care centers, schools and hospitals.
What type of work does this rule apply to? The rule applies to any modification made to applicable structures that disturbs six square feet or more of interior painted surface per room as well as exterior work that disturbs more than 20 square feet of painted surface.
How do I become certified? Businesses and individuals seeking to become certified and trained can find more information on the process and a list of accredited trainers at: http://www.epa.gov/lead/pubs/renovation.htm#contractors. In addition to the requirement that a firm become certified, at least one person at each applicable worksite must be an Individual Certified Renovator. A list of EPA accredited Certified Renovator trainers can be found at: http://www.epa.gov/lead/pubs/trainingproviders.htm.
How long will it take? EPA estimates that more than 200,000 contractors will apply for the new certification and applications are processed in the order they are received. EPA has 90 days from the receipt of an application to approve or deny application for a firm’s certification.

Individuals can become certified after completing the 8-hour accredited renovator training course and no formal application to EPA is required.

For more information visit: www.epa.gov/lead or call the National Lead Information Center at 1-800-424-5323.

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 wynco.bbb.org or call 970-484-1348 or 800-564-0371.

6 Businesses Exemplify Business Ethics

4/20/2010

Posted on 4/20/2010 by Luanne Kadlub

Six businesses from northern Colorado and Wyoming are the newest recipients of the BBB Torch Award for Business Ethics. The winners of the 2010 Torch Awards were announced April 15 in Loveland.

These six businesses chosen from a field of 24 nominees represent all that’s right about business. They play fair, they’re reliable, honest and trustworthy, and they believe in doing the right thing because, well, it’s the right thing to do.

We congratulate the following 2010 BBB Torch Award winners:

• Dairy Specialists Inc, Evans
• EnergyLogic, Berthoud
• Gallegos Sanitation Inc., Fort Collins
• McGee, Hearne & Paiz LLP, Cheyenne
• OtterBox, Fort Collins
• Spanjer Homes, Fort Collins

Click here for pictures of winners.

To read more about the the recipients and to learn more about the BBB Torch Awards, visit wynco.bbb.org.

Do you know a company deserving of a BBB Torch Award?

Six Businesses Honored with BBB Torch Awards

4/16/2010

Posted on 4/16/2010 by
Six businesses from northern Colorado and Wyoming received BBB Torch Awards for Business Ethics when the Better Business Bureau hosted its 12th annual Torch Awards in Loveland on April 15.

Award recipients include Dairy Specialists LLC, Evans; EnergyLogic, Berthoud; Gallegos Sanitation Inc., Otter Products LLC and Spanjer Construction Corp. Fort Collins; and McGee, Hearne & Paiz LLP, Cheyenne.

BBB Torch Awards recognize businesses that demonstrate exemplary business ethics, uphold high standards in relationships with customers, suppliers and shareholders, show honesty and integrity in marketing and advertising, and give back to their communities.

Peers, colleagues and customers nominate businesses for the award and business students at the University of Northern Colorado, Colorado State University and the University of Wyoming prepare entries. An independent panel of judges select the winners.

The Recipients

Gallegos Sanitation Inc., in business since 1959, has grown from a one-truck company into a business that provides trash removal, recycling, green-building help and educational outreach. “Receiving the Torch Award represents the progress our family has made because we came from a humble background and started a simple business,” said Rudy Gallegos, owner/treasurer of GSI.

Otter Products LLC was founded in 1996 on the principles of hard work, creativity and perseverance. “OtterBox is all about honoring our customers, so receiving the Torch Award signifies a great achievement because it validates our commitment to establishing and maintaining positive customer relationships,” said CEO Curt Richardson. “We strive to put the customer first and at the end of the day that’s what we care about most.”

Spanjer Construction Corp. has been building homes since 1978. “It’s been an evolution of improving the process for 30-plus years,” said owner Steve Spanjer. “The BBB Torch Award confirms our foundation of the company. We base everything we do on values.”

Dairy Specialists LLC is the result of the 1991 merger of Sorensen Surge and Progressive Dairy Systems. “Receiving this award reaffirms the fact that we are doing the right things,” said Brown, chief financial officer. “What drives ethics here is the principle of leadership. We have a culture of doing the right thing. It’s very simply doing what you say you will do.”

EnergyLogic, a diversified energy services company based in Berthoud, has helped improve more than 10,000 homes in Colorado. “We consider ourselves part of the builder’s team and we are the homeowners’ advocate to achieve this goal,” said Steve Byers, principal.

McGee, Hearne & Paiz LLP has 69 employees, including 11 partners. “We’re very honored to receive such an award and be recognized in this fashion,” said Jim Hearne, partner in charge. And working with the group of University of Wyoming business students who wrote the nomination was rewarding as well, he added. “We got to talk about our business and what we do and they asked some really good questions.”

See the Torch Awards page for pictures of the winners!

Start With Trust. For more information about the BBB Torch Award program, and for reliable consumer tips and information, go to wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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

The 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 the BBB’s attention on April 12, 2010.

Several businesses across the U.S. - -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, 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, and
• 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 your local BBB directly at www.wynco.bbb.org and 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:

Looking for a Cheap iPad?

4/12/2010

Posted on 4/12/2010 by Luanne Kadlub

Wouldn’t it be fun to have an Apple iPad? And wouldn’t it be way cool not to pay for it? Become an iPad tester!

Or at least that’s what Internet scammers are hoping you’ll want do. Never mind that Apple has the money and resources to test the iPad well before it came out. And never mind that most – if not all – of the tech reviewers have already issued their thumbs up or down.

OK, maybe you don’t want to be a tester. What if all you had to do was purchase a couple items with your credit card or invite your Facebook friends to become a page fan and in return you get the $500 iPad?

What could be so bad about this?

Both are carrots being dangled to trick you into providing personal and financial information that you should never – ever! – share. Scammers use these tactics for a variety of hot items, including laptops and MP3 players. If you bite into the carrot, what you’ll get back are mystery charges showing up on your credit card bill or friends unhappy with you for sharing their e-mail addresses.

So what’s a consumer like you to do? Absolutely nothing. Do not be fooled by intriguing offers to get something for little or nothing. Don’t share your friends’ e-mail addresses. And when you can afford the iPad or other high-tech gizmo you’ve been eyeing, purchase it from a reputable retailer whose BBB Business Reliability Report (wynco.bbb.org) you’ve already checked out.

Citizens Contact BBB with Safety Fears About Lengthy Census Form

4/6/2010

Posted on 4/6/2010 by

The Better Business Bureau 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. The 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 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 Pam King, president and CEO of the Better Business Bureau serving northern Colorado and Wyoming. “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 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 U.S. 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, call 1-800-354-7271 for an English-speaking operator. If you prefer a Spanish-speaking operator, call 1-877-833-5625.