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New Year’s Resolution: Avoid Holiday Debt by Starting a Christmas Club Today

1/4/2012

Posted on 1/4/2012 by

Did the holidays leave you in the hole for the new year? Will January’s bills ruin your holiday spirit? Are you determined that next year you won’t blow your Christmas budget?

Now is the time to plan ahead so the 2012 holidays are merry and bright, not overshadowed by looming debt. Starting a Christmas Club account might be the perfect way to get your finances off to the right start this new year. Better Business Bureau (BBB) is advising consumers to plan ahead and make the upcoming year’s holiday season easier on the family finances by setting up a Christmas Club account now.

Traditionally, Christmas Club accounts have been offered at credit unions and most banks. Customers can set aside a small amount of money every month into a savings account until the fall, when they can then start making withdrawals to pay for holiday expenses. According to the Credit Union National Association, nearly 72 percent of credit unions run Christmas Clubs, and consumer interest in these clubs is holding steady.

“In addition to Christmas Club accounts, many banks allow customers to indicate "special purpose" savings accounts so that the purpose for the savings account shows up as a title line on the customer’s statement,” said Al Fifield, Senior Vice President at PNC Bank. “Many customers choose to have a portion of their pay directly deposited into these accounts each week or choose to have an automatic transfer from their checking account to their savings account set up either weekly, bi-weekly or monthly to help them save for specific events like Christmas.”

Some retailers are also offering their own form of a Christmas Club that pays interest on the money you set aside with them throughout the year. However, unlike setting up an account with a bank or credit union, the money must be spent with that retailer.

“Along with taking the time to shop around for the best interest rate, it’s also important to read all of the fine print that accompanies such an account,” said Patrick Bennett, BBB Director of Community Relations. “A Christmas Club account is a great savings tool throughout the year and the perfect way for families to get a hold of their holiday spending.”

BBB recommends that it’s never too early to consider budgeting for next year’s holiday season and offers the following advice on setting up a Christmas Club account:

Build a budget and stick to it. Consider how much you spent in the previous holiday season to help anticipate how much you will want to set aside every month. To help you budget for the holidays, BBB, along with ClearPoint Financial Solutions, has developed an interactive budget tool that includes a holiday spending calculator.

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

Shop around and ask around. While the interest rate on Christmas Club accounts is not typically very high, it can vary so shop around for the best deal.

Read the fine print. Christmas Clubs are essentially short term savings accounts, but there are a few details that make them different. In some cases, there might be a minimum required deposit to open the account, or a minimum amount you must deposit every month. In addition, there is often a financial penalty for withdrawing the funds before the holiday shopping season arrives.

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

Know the deal with retailer Christmas Clubs. Some stores are now offering their own Christmas Clubs. The money socked away with the business all year long can only be used at their stores, so evaluate your holiday shopping needs before signing up with a specific retailer.

For more consumer tips you can trust, visit: http://easternmichigan.bbb.org/bbb-news/

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory includes 40 counties within the eastern half of the Lower Peninsula and the entire Upper Peninsula of the state.

New Year’s Resolution for Small Businesses: Set up a Disaster Plan for Your Business and Employees

1/3/2012

Posted on 1/3/2012 by

Reacting to a natural disaster or emergency not only means ensuring the immediate safety of employees, but also planning how the business will continue to function in the aftermath. Even if your business is not located in an area that is a likely target for a natural or manmade disaster, you need to be prepared for the unexpected with a comprehensive business continuation plan. Better Business Bureau advises business owners to develop a plan of action should their business face a disaster.

Creating a disaster plan for your business is a great way to start the new year. According to the Insurance Institute for Home and Business Safety, one in four small businesses forced to close because of a disaster never reopens. Business that have a business continuity plan in place – and use it during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan.

“If your business lacks an emergency plan, a natural disaster can turn into a business catastrophe,” said Patrick Bennett, BBB Director of Community Relations. “But a solid emergency plan can give you a lot of peace of mind and a greater sense of security.”

After you’ve made plans to ensure the safety of your employees, BBB offers the following advice to help keep your business operating and meeting your customers’ needs in the wake of a disaster:

Don’t be caught off guard. Consider the different types of disasters—fire, flood, tornado, etc.—that can occur and how your business would respond differently to being displaced for a week, a month, or longer.

Know your surroundings. Determine alternate locations for your business to operate if you are displaced from your current building. This could mean enabling employees to work from home or finding an alternate location for your office or store.

Prepare your staff. Identify essential staff who are core to the operations of the business and keep a list of their phone numbers (home, work, pager, cell) and e-mail addresses that can be accessed by employees from several locations (home, Internet, etc.).

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

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

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

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

For more business tips you can trust, visit http://detroit.bbb.org/Business-Tips-Index/.

BBB Names Top Ten Scams of 2011

1/3/2012

Posted on 1/3/2012 by

Southfield, MI – January 3, 2012 - Better Business Bureau (BBB) investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (www.bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. Consumers and businesses can sign up to receive our Scam Alerts by email, and they can also be scam detectives by reporting scams they’ve discovered.

Your BBB has divided scams into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.

Top Social Media/Online Dating Scam

On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.

Top Home Improvement Scam

Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at www.bbb.org/search.

Top Check Cashing Scam

Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.

Top Phishing Scam

“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site to “verify” your account information, or it may download malware to infiltrate your computer.

Top Identity Theft Scam

There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.

Top Financial Scam

In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organizations. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50₵ to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.

Scam of the Year

The phishing scam purporting to be from the BBB. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

FTC Adds New Protections for Consumers Seeking to Work from Home

12/20/2011

Posted on 12/20/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

The Federal Trade Commission has approved changes to its Business Opportunity Rule that will ensure that 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 simplified 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, and for sales conducted in languages other than English, all disclosures must be provided in the language in which the sale is conducted.

Consumers should use the disclosure document and supplementary information to fact-check sellers' sales pitches. This information will be helpful to consumers like Teresa Yeast, a stay-at-home mother who purchased a craft-assembly work-at-home program from a company called Darling Angel Pin Creations. The FTC filed a law enforcement action against that company in February 2010 for allegedly claiming that consumers could make hundreds of dollars assembling angel pins at home. "It's important to be skeptical and to be cautionary when you're approached with ... a business opportunity," Mrs. Yeast said. "I saw an opportunity that looked great, and took it. They took my money."

The announcement of a final Business Opportunity Rule completes the process that started when the Commission published an Initial Notice of Proposed Rulemaking and proposed creating a Business Opportunity Rule separate from the Franchise Rule. The FTC issued a Revised Proposed Business Opportunity Rule and conducted a public workshop, and the staff issued a Staff Report. At every stage of the Rule amendment proceeding, the Commission solicited comment on the economic impact of the Rule, as well as the costs and benefits of each proposed amendment. In issuing the final Rule, the Commission has carefully considered the comments received and the costs and benefits of each amendment.

To find out more about business opportunity sellers' compliance obligations, read Selling a Work-at-Home or Other Business Opportunity? Revised Rule May Apply to You or watch this new video. Consumers thinking about buying a business opportunity should read Looking to Earn Extra Income? Rule Helps You Avoid Bogus Business Opportunity Offers to learn more about the final Rule.

The Commission vote approving the final amendments to the Business Opportunity Rule was
4-0.

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid these practices. To learn more about the FTC and its services, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

URGENT SCAM ALERT: Email Claiming it’s From BBB is a Scam

12/7/2011

Posted on 12/7/2011 by

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

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

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

This is what the e-mail looks like:

Attn: Owner/Manager
The Better Business Bureau has got the above mentioned complaint from one of your customers regarding their business relations with you.
The detailed information about the consumer's concern is explained in attached document.
Please examine this case and inform us about your opinion.
Please click here to respond this complaint.

We look forward to your prompt response.

Faithfully yours,
Anita Emil
Better Business Bureau

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Stay Warm and Cozy with an Energy Efficiency Plan this Winter

12/2/2011

Posted on 12/2/2011 by

With a tough economy looming like the Grinch over this year’s holiday season, many people are looking for ways to save money through energy efficiency. Better Business Bureau (BBB) is offering a checklist for homeowners to safely prepare their homes for the cold winter months, and perhaps save a few dollars in the process.

According to the Energy Information Administration, home heating costs this winter are expected to rise by 10.2 percent for homeowners who rely on heating oil. Luckily, homeowners can fend off some of the rising energy costs by winterizing their home before the harshest weather takes hold.

“With the unpredictability of Mother Nature, now is the time to prepare for the winter months ahead,” said Patrick Bennett, BBB Director of Community Relations. “Taking the time to winterize your home gives you the peace of mind that you will not only save money, but be energy efficient as well.”

The following is a BBB home winterizing checklist for consumers to consult when preparing for the cold months ahead:

Furnace. Furnaces older than 15 years might be due for a replacement. For newer furnaces, BBB recommends making sure the furnace filter is clean, the thermostat is working properly and the pilot light is functioning. Homeowners can also hire an inspector to do the job and make sure the furnace is in safe working order.

Chimney. Before lighting up the fireplace, homeowners should have the chimney inspected for animals, debris and leaves that may have fallen in. BBB also recommends installing a screen over the chimney opening.

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

Smoke alarm and carbon monoxide detectors. BBB recommends testing smoke alarms and carbon monoxide detectors and installing fresh batteries. Homeowners should consider replacing smoke alarms older than 10 years.

Caulking and Weather Stripping. To prevent leaks, homeowners should inspect the caulking around windows and doors and check for cracking and peeling. In addition, BBB recommends ensuring that doors and windows shut tightly and no cold air is coming in due to worn weather stripping.

Seasonal equipment. Homeowners won’t need their spring and summer equipment for a few months, so BBB recommends draining the water from garden hoses and air conditioner pipes, and the gasoline from the lawnmower and other garden tools. It’s also time to pull out the snow shovels and plows and ensure they are in good repair.

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

For more consumer tips, visit www.bbb.org.

BBB Tips for Happy Holiday Returns, Refunds and Exchanges

12/1/2011

Posted on 12/1/2011 by

Tis the season for giving, but what happens if the gift you have given or received needs to be returned or exchanged? Your local Better Business Bureau wants to remind consumers to know their rights regarding returns, refunds and exchanges.

“Inevitably, following the holidays, the BBB receives hundreds of complaints from consumers because they are unable to return a gift,” said Patrick Bennett, BBB Director of Community Relations. “Unless the seller has a specific return and exchange policy or the merchandise is defective or misrepresented, all sales are final in Michigan.”

When it comes to returning gifts this holiday season, BBB wants to remind you to know your rights.

Know the seller’s return policy - Be sure to find out about a store’s return policies. Keep in mind that returning or exchanging items is a privilege, not a right. Generally speaking, state and federal laws do not require that retailers provide returns or exchanges. A business is not obligated to accept items for refund, exchange, or credit except in cases where the item is defective or misrepresented. In some cases, defective products must be returned to the manufacturer rather than the retailer based upon the product’s warranty. So make an effort to understand the terms and conditions of warranties.

Do not assume the return policy applies to sales or clearance items - Some merchants consider sales items to be final. If you are the gift-recipient, do not assume you have the right to return or exchange an unwanted present. Like the shopper, you are bound by the merchant’s return policy.

The merchandise was defective. Now what? Regardless of a store’s policy, if the goods you have purchased were misrepresented or are defective, you have every reason to expect the store to provide a suitable substitute, refund or make proper repairs. The laws in all states require a store to make good in such cases. Keep in mind that health regulations may forbid returns of such items as hats, bathing suits or intimate apparel.

Check if there are restocking fees - If you custom order a product, many stores charge a restocking fee for the return of such a product. It is a good idea to keep the packaging an item was wrapped in just in case it is required for return by the store to the manufacturer. Or if you know you are going to return it, don’t open the package at all. Many retailers have restocking fees for high-priced merchandise such as electronics and furniture.

You want to return an item and get your money back - A customer’s money may be returned under a refund policy. Stores that offer refunds as a policy do so voluntarily and, in most cases, are not compelled by state or federal law to do so. These policies usually require that products be returned to a store within a specific period of time and in original purchase condition. In almost every case, a sales slip or some other evidence that the item was actually purchased at a particular store is also required. If a customer does not have evidence of purchase, he or she may not receive a refund or may not receive the full amount of the purchase price. In some stores, all sales are final.

Understand exchanges or credits - In a product exchange, an item may be returned and another item of equal value may be received in its place. This privilege is usually extended when the buyer has made a reasonable mistake; for example, in the size or color of the product purchased. In other instances, customers may receive a credit slip after returning an item. This store credit allows the consumer to purchase any other item at that store which has the same monetary value as the item he or she has returned.

What to do if the product has a separate written warranty - Some products have warranties that spell out the manufacturer’s liability if the product is defective. Reading a product’s warranty before returning an item to a store from which it was purchased is highly recommended. In some cases, warranties exempt stores from product liability and require consumers to mail the product to a manufacturer or other business in order to receive monetary refunds, credit, or product replacement.

If the purchase is made under a written contract, normal return privileges may be affected - Written contracts sometimes have special provisions for the return of goods. A contract usually provides its own conditions for return of the goods and cancellation of an agreement. Always read and understand a contract before you sign it; never sign a blank contract and always keep a copy of the contract.

Don’t delay - If a store has a return policy, there may be time limits for returns.

Always keep receipts and original packaging!

For more useful tips about holiday shopping and charitable giving, visit the BBB online at www.facebook.com/myBBB or http://easternmichigan.bbb.org/consumer-tips-holiday/ .

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Weigh in on Gym Memberships

12/1/2011

Posted on 12/1/2011 by

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

So far in 2011, your BBB has received 10,886 complaints nationally about gyms, health clubs and fitness centers putting the industry in the top 20 for most complained about businesses. Not only does your BBB receive a lot of complaints about gyms, but complaints increased by 9.5 percent over the same period in 2010.

“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 Patrick Bennett, BBB Director of Community Relations. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

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

Questions to ask the gym:

Is there a trial membership? Will they let you do a trial membership for a few days or a week before you sign the contract? Many gyms will give you a free trial. Some will even let you pay month-to-month at first to determine if the gym is right for you.
What are the terms of any introductory offers?

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

Will my membership renew automatically?

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

How can I get out of my contract?

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

Do they freeze memberships? If you become sick or injured and are unable to use the gym for a period of time, will they freeze the membership?
What happens if I move or travel frequently? Gyms have any number of different policies when it comes to how moving or traveling will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby. Ask if they have a reciprocal agreement with other gyms throughout the country? If you travel a great deal, you will want this.
What happens if you go out of business?

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

Questions to ask yourself:

What are my fitness goals?

Determining your fitness goals in advance will help you select a facility that is most appropriate for you. Make sure the gym has the equipment to meet your needs and a trainer to help. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient?

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

How is the atmosphere? Is the staff caring and helpful? Are the bathrooms, showers and equipment clean? What is the clientele like? Will it be an enjoyable experience for you to workout in the same facility with them?
Can I really afford this every month?

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

Am I feeling pressured to join?

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

Did I get everything in writing?

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

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

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Business Advice for Tackling Holiday Gift Returns

12/1/2011

Posted on 12/1/2011 by

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

Most consumers are happy with return policies. According to the National Retail Federation’s, 2010 Holiday Returns Survey, nearly nine out of 10 Americans (88.4 percent) say they find stores’ return policies to be fair.

Retailers should keep their customers in mind when it comes to their return policy. “While it’s important that your return policy doesn’t hurt your business, it’s critical that it doesn’t completely discourage and penalize the customer,” said Patrick Bennett, BBB Director of Community Relations.

BBB recommends that businesses consider the following when creating, solidifying or simplifying their return policy:

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

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

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

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

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

For more helpful tips, visit www.bbb.org.

BBB Tips for Avoiding the Holiday Travel Headache

12/1/2011

Posted on 12/1/2011 by

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

“Before hitting the roads, give your car the attention that it needs,” said Patrick Bennett, BBB Director of Community Relations. “Make sure you are well-equipped and know where to turn should the unexpected happen.”

BBB recommends taking the following steps for safe driving this holiday season:

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

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

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

Start early and slow down. The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents, which slow traffic and cause bottlenecks. Also, if you’re caught speeding by law enforcement, that adds travel time and puts a dent in your holiday spending.

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

For more advice on staying safe over the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday/

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/1/2011

Posted on 12/1/2011 by

As much as pet owners may want to take their furry or feathered friends with them wherever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. To date, in 2011, BBB has received more than 400 complaints arguing disputes over billing, and over the treatment of the pet – which is up from the 273 complaints filed in 2010. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst-case scenarios include pets that became extremely ill while boarding at poor facilities which resulted in lengthy stays at the animal hospital.

“Our pets are like family and the last thing we want to do is stress over their care during the holiday season,” said Patrick Bennett, BBB Director of Community Relations. “Take a few moments to do your research and find a kennel you can trust so your time out of town will be easier for you and your pet.”

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

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

Make a visit. Personally visit the facilities you are considering before scheduling the boarding. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.

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

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

For more advice on finding reputable businesses around the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday.

BBB is NOT Sending this Email!

11/23/2011

Posted on 11/23/2011 by

Southfield, MI – November 23, 2011 – Businesses across the country have been receiving a spam e-mail purporting to be from the Better Business Bureau (BBB) regarding a complaint and referencing a complaint ID#. These e-mails are spam with virus potential. If you receive this e-mail, do not click on any links, open attachments or reply to the e-mail. Instead delete the e-mail completely from your computer. If you have clicked on links, opened attachments or replied to the e-mail, delete the e-mail and run a virus scan.

Your BBB does not send e-mails of this nature to businesses or consumers. BBB lawyers are working to track down what is happening and will take appropriate action to protect its trademark.

Here is a version of this spam e-mail:

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

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

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

http://www.bbb.org

###

The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Sweepstakes Scam Pretends it’s the BBB Calling

11/17/2011

Posted on 11/17/2011 by

Southfield, MI – November 17, 2011 -Better Business Bureau (BBB) serving Eastern Michigan and the Upper Peninsula is cautioning businesses and consumers about phone calls that are purporting to be from your BBB about sweepstakes winnings. This is a scam – your BBB does not conduct sweepstakes.

Consumers across the country including Michigan have notified your BBB about this scam which was first identified by a person in Virginia. The calls appear to come from area code 876 out of Jamaica and a person pretending to be a BBB employee claims that the customer has won thousands to millions of dollars or in some cases a Mercedes Benz. The representative states that the BBB is acting as an “agent” to deliver the winnings to them and/or directs customers to www.better-businessbureau.org, which contains misinformation and fraudulent claims. BBB is urging consumers not to visit this site. The official BBB website is www.bbb.org.

Perpetrators of this scam will often call consumers claiming to be with a legitimate agency and state that the consumer has won a lottery or a sweepstakes. The scammer use tactics to lure their victims into providing personal or financial information in order to steal their victim’s identity or they tell potential victims that a check will be sent and that they should wire a portion of that check to a specific location in order to claim the bogus prize money.

Should you receive such a call, please record the number and what is said during the call. Then contact your BBB at (248)-223-9400 or report any information received to BBB’s Scam Portal. BBB will never contact consumers about lottery, sweepstakes, or prize winnings. BBB does not conduct sweepstakes, and will never act as an agent in administering money to a consumer. BBB lawyers are working to find out who is behind this and will take all appropriate action to protect its trademark.

BBB offers the following advice:

You must enter to win. Remember lottery tickets must be purchased. Sweepstakes usually involve application paperwork that you have personally completed and government grants have a thorough application process as well.
Never 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.
Never wire 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.
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.
Watch the grammar. Scam letters, faxes or emails are often full of grammatical and spelling errors.
Never provide personal information. Scammers can be very charming and charismatic and will lure or pressure for personal information.
Foreign lotteries are illegal. Beware of lottery applications or win announcements coming via telephone or mail from outside the country. Foreign lotteries violate federal law and participating in any way is illegal. The only legal lotteries in the United States are state-run.

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Shopping Tips for the Holiday Buying Rush

11/7/2011

Posted on 11/7/2011 by

While the holiday season is traditionally a time to be with family and friends, it also tends to be hectic times that can make any shopper feel harried. When shopping during the holidays, your Better Business Bureau (BBB) provides the following tips to consider:

· Plan ahead - Set a realistic budget and stick to it. Also make a list of the gifts you would like to give. This helps you to avoid buying impulse gifts that may be inappropriate or too expensive.

· Compare prices and shop carefully - Holiday "sales" and "markdowns" sometimes are not the bargains they appear to be.

· Ask about refund and exchange policies - Before making a purchase, ask the merchant about its refund and exchange policy. A store is not obligated to accept items for refund, exchange, or credit unless the item is defective or was misrepresented.

· Know your rights - Be informed about your rights when placing orders through catalogs, mail order, TV shopping networks or online venues. Additional information on mail and telephone order shopping is available from the Federal Trade Commission (www.ftc.gov). Ask about delivery times, delivery costs and how returns are handled. Contact the BBB to obtain a report on the company.

· Shop safe on the internet - If you are considering shopping on the Internet, exercise the same care and judgment that you would on Main Street. If you are not familiar with the online merchant or company, contact your BBB for a report. Know the web site's privacy policy before you place an order. Be sure the website is secure before making your purchase.

· Be aware of your surroundings - Be on your guard at all times when shopping. Never leave your wallet, credit card or purse on a counter. Do not get overloaded with packages. Survey the parking lot for suspicious persons. Shop with a companion or ask for a security escort to your car.

· Give but give wisely. If you are approached in person for a donation, do not give if you are pressured or if the solicitor is vague. Ask for written information to review. If the appeal is legitimate, your donation will be just as appreciated after the holidays as before the holidays. Check with the BBB Wise Giving Alliance (www.give.org) for additional holiday giving advice and information on charities meeting CBBB ethical guidelines.

For more holiday shopping tips, visit: http://easternmichigan.bbb.org/consumer-tips-holiday/

Check Privacy Policy on "Dear Santa" Websites

11/3/2011

Posted on 11/3/2011 by

More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to email St. Nick. Sadly, some of the websites aren’t always so trustworthy and can potentially be a dangerous way to share personal information. Better Business Bureau (BBB) is advising parents to do their homework before letting their child write to Santa this holiday season.

Writing to Santa has been a long lasting tradition, and while it seems innocent and fun, it is very important for adults to carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

According to the Children’s Advertising Review Unit (CARU), all websites directed to children – or websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

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

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

Check to see what they want you to hand over. Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses. In many cases, there really shouldn’t be a need to share this information. Especially since Santa already knows where all the children live.

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

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

For more information on website safety and children, please visit CARU at www.CARU.org and for more information you can trust, visit www.bbb.org.

How to Select a Merchant Processing Service for Your Business

11/2/2011

Posted on 11/2/2011 by

Whether you’re looking to make a switch or picking one for the first time, choosing a merchant processor is a very important decision and can be vital to the overall success of your business. Better Business Bureau (BBB) is advising business owners to do their homework before selecting a merchant processor.

One of the most important ways to make your business thrive is to please your customers and, many times, that means offering a variety of payment methods. According to one estimate, businesses forfeit up to 80 percent of consumer impulse buys if they don't accept credit cards. But, before making the switch, or picking one for the first time, business owners need to select their merchant processing service with care. To date, in 2011, BBB has received more than 1,700 complaints against credit card merchant and processing services.

“Accepting credit cards gives customers options, whether it’s to charge a purchase and pay it off over time, or to use a debit card rather than write a check. By offering your customer options, you are opening the doors for increased revenue,” said Patrick Bennett, BBB Director of Community Relations. “However, before selecting your merchant processing service, it’s imperative that you do your research to avoid putting your business and its success at risk.”

BBB recommends the following tips to consider when selecting a merchant processing service:

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

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

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

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

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

BBB Urges Consumers to Support Small Business Saturday

11/2/2011

Posted on 11/2/2011 by

November 2, 2011 – Southfield, MI - In honor of Small Business Saturday, a day dedicated to supporting small businesses on the busiest shopping weekend of the year, Better Business Bureau (BBB) is spreading awareness and advising consumers to support the small businesses in their area.

As a joining member, BBB is teaming up with American Express OPEN to spread the word on why small businesses are so awesome. For the second year in a row, American Express OPEN has declared November 26th, the Saturday after Thanksgiving, to be Small Business Saturday. Sandwiched between black Friday and cyber Monday, Small Business Saturday is a perfect way to support the small businesses that you love.

“It’s great to have a day that’s completely dedicated to the success of our small businesses and it’s even better to think that the success of this day could lead to the growth and prosperity of our local small businesses in the days and years to follow,” said Patrick Bennett, BBB Director of Community Relations. “We’d like to encourage our consumers to take advantage of this day and show support to our local small businesses.”

In preparation for Small Business Saturday, FedEX will be giving away 40,000 $25 American Express gift cards to lucky consumers, which can be used to shop at small businesses on Saturday, November 26^th. 30,000 will go to people who register at FedEx Facebook's page, www.facebook.som/FedEx, beginning at noon CDT November 1st. FedEx will give the other 10,000 to customers.

American Express is also giving a $25 statement credit to American Express card members who spend $25 or more on Small Business Saturday at a qualifying small brick-and-mortar, independent merchant that accepts American Express. You must register to receive the credit. Registration is available in early November at www.facebook.com/smallbusinesssaturday. For small businesses, $100 in free Facebook ads will be awarded to the first 10,000 businesses that sign up at www.facebook.com/smallbusinesssaturday.

For more information on Small Business Saturday, visit http://smallbusinesssaturday.com and for more consumer information you can trust, visit www.bbb.org.

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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.

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/2/2011

Posted on 11/2/2011 by

Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau (BBB) recommends 10 tips for staying safe when holiday shopping online.

According to the National Retail Federation (NFR) seven in ten online retailers expect their sales to grow at least 15% this holiday season. The NFRs holiday survey also found that the average person plans to do 36% of their holiday shopping online – up from 33% last year.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Patrick Bennett, BBB Director of Community Relations. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone—except, of course, for scammers and hackers.”

Following are the “Top 10 Online Shopping Tips” for holiday shoppers 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 with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.

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

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

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

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

7. Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

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

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

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

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to http://easternmichigan.bbb.org/Consumer-Tips/.

Tis’ the Season for Holiday Scams

11/2/2011

Posted on 11/2/2011 by

The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau (BBB) is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Patrick Bennett, BBB Director of Community Relations. We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online

We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBB hears from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. When shopping on sites that aren’t household names, check with your BBB before you buy.

Finding the season’s hottest toys and gadgets online

Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall

While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM. If your credit cards have RFID chips, protect them with an RFID sleeve.

Bogus charitable pleas

The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

Phishing e-mails – Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

For more advice on being a savvy consumer this holiday season, visit us online at http://easternmichigan.bbb.org/Consumer-Tips/.

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

11/2/2011

Posted on 11/2/2011 by

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

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

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

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

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

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

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

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

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

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

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

Don’t Get Smoked Out of a Chimney Sweep Scam this Holiday Season

11/2/2011

Posted on 11/2/2011 by

With the chilly weather fast approaching, many consumers are yearning for a toasty fire by the fireplace and looking to have their chimneys cleaned in preparation. However, Better Business Bureau (BBB) is advising consumers to know which businesses to trust and which to avoid to prevent their hard earned dollars from going up in smoke.

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

“Chimney sweeping is not something that homeowners deal with often, so we may lack knowledge of the cleaning process,” said Patrick Bennett, BBB Director of Community Relations. “Many scammers take advantage of this and do shoddy work…or no work at all.”

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

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

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

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

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

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

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

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

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

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

Michigan Emerging 2011

10/31/2011

Posted on 10/31/2011 by

Michigan is emerging. Our state is reinventing itself and its workforce — just as we have before. We are on the cusp of greatness. Our workforce is pushing for this, our business sector is pushing for this and our public servants are pushing for this. Michigan Emerging has brought together the resources to highlight and facilitate that change.

Michigan Emerging intends to be the catalyst that brings all that is happening into focus in one space — a non-political, cross-industry, annual event that provides a platform for celebrating the achievements of our great state.

On Monday, November 14, 2011, join hundreds of Michigan business leaders, entrepreneurs, organizations and top growth companies from Michigan's emerging sectors as they gather for an unmatched day of
peer-to-peer networking, keynote presentations, informative break-out sessions and a diverse exhibition of Michigan businesses.

BENEFITS OF ATTENDING INCLUDE:

Peer-to-peer networking
Learning components
Highlight of emerging sectors
Alternative business opportunities

Save $10 off your admission by entering Discount Code VIP11 upon registration.

BBB and Consumers Targeted by Email Scam

10/31/2011

Posted on 10/31/2011 by

Scammers Use StubHub’s Name to Con Victims into Giving out Personal Information

Southfield, MI - October 31, 2011 - A new email phishing scam hit Better Business Bureau (BBB) and consumers across the country late last week. The fake emails appear to be from StubHub — a website that allows users to buy and sell tickets to sporting and entertainment events. The site’s name is used to trick victims into providing personal information.

“Scammers are consistently looking for new ways to con their victims,” said Patrick Bennett, BBB Director of Community Relations. “Fortunately, they emailed this scam directly to the BBB which will help us alert the community and reduce the number of victims.”

The fake email claims a large purchase is pending on the victim’s StubHub account, usually involving boxing tickets in Nevada. It goes on to tell the victim that he or she needs to log on to the site using an attached link to cancel the order. The link takes the victim to a duped site designed to steal username and password information. Once the victim tries to log on, the scammer has access to all of his or her account information.

Stub Hub said on its website and Facebook page that the emails were not sent by the company or its affiliates and users’ credit cards were not charged.

“Please DO NOT click on any link in the email,” the company’s official statement reads. “If you have clicked on these links, you may need to check your computer for a virus or malware and should log into your StubHub ‘My Account’ to change your StubHub password. (https://www.stubhub.com/account/).” A company representative asked affected consumers to send a copy of the email to safety@stubhub.com so they can investigate, and to email any questions or concerns to yourfeedbackmatters@stubhub.com.

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

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Secure Your ID Day Helps Community Protect Against ID Theft

10/27/2011

Posted on 10/27/2011 by

Southfield, MI. – October 26, 2011 -The recent October 2011 Secure Your ID Day hosted by the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula along with partner GreenPath Debt Solutions helped consumers deter identity theft while protecting the environment at the same time.

Cintas Corporation, national shredding partner for Protect Your Identity Week and Secure Your ID Day, provided free document destruction while Global Electric Electronics Processing (GEEP) was on hand to collect computers and other electronics for recycling. More than 630 consumers dropped off 33,000 pounds of sensitive paper documents to be shredded and recycled in the four hour event. The 16.5 tons of paper collected was completely recycled saving the equivalent of 280 trees, 33 barrels of oil, 115 thousand gallons of water or 67,650 kilowatt hours of electricity which is enough to power an average size home for seven years. In addition, GEEP collected 3,173 pounds of electronic waste that is being kept out of landfills.

“We are proud to have partnered with GreenPath Debt Solutions, Cintas and GEEP to help fight identity theft while protecting the environment at the same time,” said Patrick Bennett, BBB Director of Community Relations. “And we will continue to educate business owners and consumers on how to deter, detect and defend against this crime.”

The BBB and GreenPath Debt Solutions encourage consumers to remain committed to protecting themselves against identity theft, particularly as the holidays approach. Putting prevention tips in place is a much better option than spending time and money recovering from ID theft. Their next Secure Your ID Day event is scheduled for April 2012.

For more information about Secure Your ID Day, or to schedule an interview, contact Patrick Bennett with the BBB at 248-799-0326.

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

GreenPath Debt Solutions is a nationwide, non-profit financial organization that assists consumers with credit card debt, housing debt and bankruptcy concerns. Our customized services and attainable solutions have been helping people achieve their financial goals since 1961. Headquartered in Farmington Hills, Michigan, GreenPath operates 61 full-time branch offices in Michigan, New York, New Hampshire, Colorado, Florida, Texas, Vermont, Illinois, Indiana, Wisconsin, Arizona and Wyoming. GreenPath is a member of the National Foundation for Credit Counseling (NFCC). Our professional counselors are certified by the NFCC, and we are accredited by the Council on Accreditation (COA). For more information, visit us at www.greenpath.com.

Cintas provides businesses with secure document shredding, storage and imaging programs. Its services are designed to provide data privacy and security, compliance with regulatory requirements and more efficient control and access to information. Cintas serves a variety of industries including insurance, healthcare, professional services, manufacturing, financial, government, automotive and legal institutions. In addition, it is the first North American AAA NAID-certified and PCI DSS compliant document management provider. For more information, visit www.cintas.com .

Global Electric Electronic Processing (GEEP) Inc. is a global electronic waste recycler who is fully compliant and licensed with all necessary jurisdictions. We recycle e-waste at our own facilities according to ISO 9001, ISO 14001, Department of Defense, Responsible Recycling (R2), and EPA compliance. The material is processed to the commodity level and returned into the marketplace for reuse to conserve our natural resources. Our office is located at 12237 Beech Daly Road in Redford, Michigan 48239. For more information, we invite you to visit www.geepglobal.com or call us toll free at 1-877-433-7498.

BBB Warns of another Advance Fee Loan Scam

10/21/2011

Posted on 10/21/2011 by

October 21, 2011 Southfield, MI- The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula has received several complaints over the last few weeks from people across the country inquiring about a company identified as UNITED COMMERCIAL CREDIT, allegedly located on E. Fort Street in Detroit, Michigan. Consumers are informing the BBB that they have been approved for a secured loan but are required to wire a collateral deposit of $700 - $1000.00 to cover insurance on their loan.

Consumers are promised they will receive their loan in 24–48 hours or refunded their deposit. To date, no one has received the promised refund. Two of the complainants who did not receive their loan were told that funds could not be released due to their credit history unless they paid an additional insurance premium at which time the funds would be released. One victim faced this excuse on several occasions and wired the scammers over $6,000.00 but still has not received a loan.

The Michigan Office of Financial & Insurance Regulation has informed the BBB that UNITED COMMERCIAL CREDIT is not an active Michigan corporation and that it does not have a valid license to provide lending and financial services in Michigan. The BBB report is being revised to reflect the BBB’s current investigation.

The BBB reminds consumers that advance fee loans are illegal and advises against wiring money to anyone you don't know. Consumers should also be leery of any websites or emails they receive which claim to guarantee loans regardless of credit. Remember, anytime you're asked to pay money upfront to qualify for a loan, the offer is fraudulent.

Signs of an advanced fee loan scam:

You are guaranteed a loan even if you have no credit, bad credit or a bankruptcy.
You are guaranteed a loan even if local legitimate lending institutions have refused you.
Upfront fees are not disclosed.
You are asked to wire money to the company to pay an upfront fee for insurance, administration or legal fees.
The company pressures you to send the money right away.
Written communications contain typos and grammatical errors.
When you telephone, no one is ever “in”; your calls are not returned, or the voicemail box is always “full.”

Victims of bogus loan brokers are encouraged to file a complaint with the BBB (www.bbb.org) or 248-223-9400 and the Michigan Attorney General’s Office at (877) 765-8388. While the chance of recovering the payment fee is minimal, victims can provide information to help BBBs warn consumers and assist government investigations.

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Advises Business Owners to Secure Their Online Banking

10/12/2011

Posted on 10/12/2011 by

October is National Cyber Security Awareness Month and Better Business Bureau (BBB) is advising business owners to protect their identity when using online banking.

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

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

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

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

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

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

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

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

For more tips on data security, visit www.bbb.org/data-security.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains business reviews on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. The service area of BBB Serving Eastern includes the eastern half of Michigan’s lower peninsula and the entire upper peninsula. For more information, visit www.easternmichiganbbb.org.

Guide to Gift Card Giving: BBB Advice for Purchasing Valuable Gift Cards

10/12/2011

Posted on 10/12/2011 by

With the holiday season right around the corner and the economy putting the squeeze on budgets, many shoppers are going to be looking for the best gift options this holiday season. For those looking to give gift cards to family and friends, your Better Business Bureau (BBB) is recommending that you do your research before purchasing a gift card.

So far, in 2011, BBB has already received more than 440 complaints against the gift card industry, a huge increase from the 33 complaints received in 2010. In some cases, consumers are disgruntled when they are given an expired gift card with loaded cash that isn’t usable until the expiration date is corrected. After sending the expired card in for replacement, the consumer is left empty handed when the card fails to ever return to them.

“Consumers need to be on the lookout for gift cards that appear to be ‘open’ or out of their original package, they also should be on the lookout for cards that state an expiration date that is coming up or has passed,” said Patrick Bennett, BBB Director of Community Relations. “Shoppers should be wary of online auction sites that promise ‘full value guaranteed’ gift cards. It’s sites like these that are prone to selling old, valueless cards that leave the gift giver and receiver distraught.”

BBB recommends the following tips for both givers and receivers of gift cards:

Know the rules. New federal rules that took effect in August of 2010 are designed to protect consumers, and will restrict fees and affect gift card expiration dates. These new rules apply to two types of cards: Retail gift cards, which can only be redeemed at the retailers and restaurants that sell them; and bank gift cards, which carry the logo of a payment card network like American Express, Visa, or MasterCard and can be used wherever the brand is accepted.

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

Read the fine print before buying. Is there a fee to buy the card? Are there shipping and handling fees for cards bought by phone or online? Will any fees be deducted from the card after it is purchased?

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

Provide the receiver with back up. Give the recipient the original receipt in case the card is later lost or stolen. Also, before you buy retail gift cards, consider the financial condition of the retailer or restaurant. A card from a business that files for bankruptcy or goes out of business may be worthless. If the business closes a store near the recipient, it may be hard to find another location where the card can be used. A business that files for bankruptcy may honor its gift cards, or a competitor may accept the card. Call the business or its competitor to find out if they are redeeming the cards, or if they will do so at a later date.

Treat the gift card like cash. For receivers, it’s important to report lost or stolen cards to the issuer immediately. Some issuers will not replace cards that are lost or stolen, while other issuers will, for a fee. Make sure to use gift cards as soon as possible, because it’s not unusual to lose or forget about them.

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

Layaway Now for Later: BBB Advice on the Layaway Process

10/12/2011

Posted on 10/12/2011 by

The current economy has left many shoppers on a budget and searching for more affordable methods of paying for big-ticket items and holiday gifts. This holiday season, many families will be turning to alternate forms of payment to make ends meet. With many stores offering layaway services, Better Business Bureau (BBB) is offering advice on how to use this payment plan in lieu of credit cards.

Once considered a dated, old-fashioned method of payment, layaway services are back in a big way, with many businesses now shaking the dust off their layaway programs for today’s beleaguered consumers. Buying items on layaway is different from putting them on a credit card because the buyer isn’t charged interest on the purchase and can’t take the item home until it is paid off. When purchasing items on layaway, the buyer must typically make a down payment of 10 to 20 percent and pay any service or plan fees for the store to hold the item(s) for them. The customer then has typically 30 to 90 days to make periodic payments to pay off the balance. Once paid off, the customer can take the item(s) home.

“Layaway services can be a great alternative to the using a credit card,” said Patrick Bennett, BBB Director of Community Relations. “However, it’s extremely important that customers take note of the fine print and know what to expect.”

As a complement to in-store layaway, some stores provide online layaway services for purchasing items through the retailer’s website. Additionally, third-party businesses have sprung up for the purpose of setting up layaway plans online between customers and retailers that don’t already have a layaway program. Customers make periodic payments to the third-party layaway service provider. Once the item is fully paid for, the business then buys the item from the retailer and ships it to the customer.

When buying items on layaway, BBB advises consumers to get everything in writing and offers the following checklist of questions to ask:

• How much time do I have to pay off the item?

• When are the payments due?

• How much do I have to put down?

• Are there any storage or service plan fees?

• What happens if I miss a payment? Are there penalties? Does the item return to inventory?

• Can I get a refund or store credit if I no longer want the item after making a few payments?

• What happens if the item goes on sale after I’ve put it on layaway?

• Does the retailer or third-party layaway service have a good BBB rating?

For more advice on how to be a savvy consumer this holiday season, visit www.easternmichiganbbb.org/bbb-news.

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

10/12/2011

Posted on 10/12/2011 by

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

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

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

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

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

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

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

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

Tigers Fans Should Be Wary Of Scams Involving Baseball Playoff Tickets

10/11/2011

Posted on 10/11/2011 by

Southfield, MI – October 11, 2011 – With the Tiger’s defeating the New York Yankees and now taking on the Texas Rangers in the American League Championship Series, fans are caught up in pennant fever. However, the Better Business Bureau (BBB) warns fans to beware of potential scams by fake ticket sellers seeking to cash in on playoff excitement.

The opportunity for sports fans to be scammed by fake ticket sellers occurs most often when people buy tickets from individuals outside the stadium, on the street or through online auctions, classifieds and bulletin boards.

“Sports fans can get burned by purchasing counterfeit tickets or paying in advance for tickets that never arrive,” said Patrick Bennett, BBB Director of Community Relations.

The secondary market for sporting and entertainment tickets is a $10 billion a year industry. It includes tickets bought and sold by professional brokers as well as those purchased and resold by speculators and season ticket holders.

“The Internet has become the arena of choice for sports fans looking to buy or sell tickets,” Bennett said. “Unfortunately, it also has become a breeding ground for scammers looking to take advantage of sports fans.”

The BBB’s database includes reputable, secondary market ticket firms that provide buyer protections, including money-back guarantees if tickets are fake. On some sites, sellers also must provide credit-card numbers so the site can charge a seller’s card for the cost of replacement tickets if they sell fake tickets. The Tigers have their own website for reselling tickets held by season ticket holders.

The BBB offers the following advice for fans seeking tickets:

Be careful buying tickets from someone on the street. When you get to the gate and find out your tickets aren’t real, the seller will be long gone.
Before buying from an online ticket broker, look for the BBB logo on the website and click on it to make sure it is real. The BBB’s dynamic seal will take you directly to the BBB Business Review on the company, where you can read about the company’s record for responding to complaints. Make sure the website has a secure payment processing system, usually denoted by “https://” at the start of its website address or URL or a small closed lock icon at the bottom of the screen.
If you buy tickets through an online auction site, choose a seller with a long history of satisfied customers. Scammers can hijack old accounts, so make sure the seller has recently sold other tickets.
Ticket buyers also should be wary of sellers who try to lure buyers from a legitimate site to another site for a “private” transaction. Scammers often want to conduct their business on sites with names that mimic well-known companies but actually are fakes.
If you are buying tickets through an online classified ad site, never pay the seller by wire transfer. You will have no way to get your money back if the tickets do not arrive or are counterfeit.

Before you do business with a charity or company, check its BBB Business Review at www.bbb.org or by calling 248-223-9400.

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BBB Offers Free On-Site Document Shredding, Computer Recycling and Identity Theft Prevention Tips

10/11/2011

Posted on 10/11/2011 by

BBB and GreenPath Debt Solutions Invite the Community to Take Part in National Protect Your Identity Week

Southfield, MI – October 12, 2011 -Your local Better Business Bureau (BBB) along with GreenPath Debt Solutions are hosting National Protect Your Identity Week (PYIW) October 16 – 22, 2011. Residents and small businesses are encouraged to take an important step in identity protection by attending BBB’s SECURE YOUR ID DAY Community Shred and Computer Recycling event on Saturday, October 22, 2011 (9 am – 1 pm) at the BBB Office parking lot in Southfield.

Overall losses from identity fraud in 2010 exceeded $37 billion according to a 2011 report from Javelin Strategy and Research. The report also indicated that the average consumer out-of-pocket cost due to identity fraud increased to $631 per incident in 2010 which is up 63% from $387 in 2009 and incidences of “friendly fraud” (identity theft committed by someone known to the victim) grew seven percent.

“While there is no guarantee that one won’t become a victim of identity theft, destroying documents that appeal to thieves and destroying computer hard drives with sensitive passwords and information are just a couple of ways to deter identity theft”, said Patrick Bennett, Director of Community Relations for the Better Business Bureau Serving Eastern Michigan. “That’s why your BBB, GreenPath Debt Solutions, Cintas Corporation and Global Electric Electronics Processing will be available to offer information and actions to help people prevent ID theft.”

Bring up to three boxes or bags of sensitive paper documents to be shredded on the spot for free by event partner Cintas. $10 per box/bag exceeding the free promotion will be charged with proceeds supporting the BBB Educational Foundation.

Understanding that used computers are also targeted by identity thieves, event partner Cintas will provide consumers the ability to have their computer hard drives, detached from the PC, printer, copier or scanner, destroyed on the spot for just $10 dollars per unit. Global Electric Electronic Processing (GEEP) of Michigan will also be collecting used desktops, laptops, keyboards, mice, DVD and VCR players free of charge. They will also accept computer monitors, printers and televisions for a fee ranging from $5 to $25 per unit.

All shredded paper, destroyed hard drives and electronic equipment from this event will be recycled to protect the environment and BBB staff will be on-site to provide expert advice and tips for identity theft protection.

Our Secure Your ID Day partner, GreenPath Debt Solutions, will also provide on-site certified counselors to educate about their services and schedule one-on-one counseling sessions.

“Identity theft starts with the misuse of your personally identifying information,” added Bennett. “By hosting the SECURE YOUR ID DAY we hope to educate and empower people to follow the “3 Ds” of identity theft protection – Deter, Detect and Defend."

For more information visit http://detroit.bbb.org/secure-your-id/ or call Patrick Bennett at 248-799-0326.

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The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

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

10/11/2011

Posted on 10/11/2011 by

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

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

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

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

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

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

New Better Business Bureau Search App Allows Business Reviews to Be Accessed Easier, Faster By iPhone Users

9/28/2011

Posted on 9/28/2011 by

Southfield, MI –September 23, 2011— A new mobile application for Apple iPhone and iPad users, BBB Search, allows Business Reviews and other information from the Better Business Bureau (BBB) to be available on the go.

More than four million companies are covered internationally by BBB Business Reviews. This includes over 80,000 businesses in the Eastern Michigan and Upper Peninsula region.

The new BBB Search iPhone app can be downloaded for free at the App Store under “BBB Search”. One key benefit of the app is information and graphics are shown in a larger, more user-friendly format. Features of the new BBB app include: search capability for businesses and charities; access to BBB Business Reviews; information about the BBB’s vision, mission and values; FAQs and support. BBB Business Reviews also highlight if a company is a BBB Accredited Business.

With the BBB Search iPhone app, businesses and charities can be found by name, phone number or web address. It also allows users to add Business Reviews to a Favorites list, store business information to their iPhone contacts and share a link for Business Reviews through email, Twitter or Facebook.

Users with other smartphones may still find BBB Business Reviews and connect to the BBB website on their phone’s internet browsers by going to m.bbb.org

To find more information on businesses you can trust, and to find easy business referrals visit www.bbb.org

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New Better Business Bureau Search App Allows Business Reviews to Be Accessed Easier, Faster By iPhone Users

9/28/2011

Posted on 9/28/2011 by

More than four million companies are covered internationally by BBB Business Reviews. This includes over 80,000 businesses in the Eastern Michigan and Upper Peninsula region.

Users with other smartphones may still find BBB Business Reviews and connect to the BBB website on their phone’s internet browsers by going to m.bbb.org

To find more information on businesses you can trust, and to find easy business referrals visit www.bbb.org

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New Better Business Bureau Search App Allows Business Reviews to Be Accessed Easier, Faster By iPhone Users

9/23/2011

Posted on 9/23/2011 by

More than four million companies are covered internationally by BBB Business Reviews. This includes over 80,000 businesses in the Eastern Michigan and Upper Peninsula region.

Users with other smartphones may still find BBB Business Reviews and connect to the BBB website on their phone’s internet browsers by going to m.bbb.org

To find more information on businesses you can trust, and to find easy business referrals visit www.bbb.org

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BBB Sponsors Michigan Teen Consumer Education Competition

9/22/2011

Posted on 9/22/2011 by

LifeSmarts Launches 2011 – 2012 Season

Southfield, MI –September 20, 2011— For the second consecutive year, your Better Business Bureau (BBB) Serving Eastern Michigan and the Upper Peninsula will sponsor the Michigan chapter of the National Consumers League’s (NCL) 2011 – 2012 LifeSmarts competition. LifeSmarts is a consumer education competition that challenges teens in grades 9‐12 on real-life consumer issues through online quizzes and live contests. The competition will culminate with the National LifeSmarts championship where teams and individuals are awarded academic scholarships and prizes.

“Our inaugural year sponsoring LifeSmarts in Michigan was a thrill a minute,” exclaimed Melanie Duquesnel, President and CEO of the BBB Serving Eastern Michigan and the Upper Peninsula. “We are excited to be involved again this year and look forward to giving Michigan’s youth the tools they need to be great consumers throughout their lives.”

LifeSmarts topics have been chosen to encourage and reward knowledge in the areas that matter most to consumers and workers in today's marketplace: personal finance; health and safety; the environment; technology; and consumer rights and responsibilities. So far this fall, there are 44 teams representing five Michigan high schools registered to compete online. The competition progresses to a live state play-off at Oakland University in Rochester, Michigan on February 17, 2012, and then builds to a high-spirited National Championship, which will be held in April in Philadelphia, Pennsylvania.

School teams can still register to compete at www.lifesmarts.org. The Michigan high schools competing to date include: Carman Ainsworth High School, Cass Tech High School, Davison High School, Fenton High School and Flint Kearsley High School.

“My class was really motivated by the LifeSmarts competition. But more than that, they were really proud every time they competed,” said Bruce Burwitz, Business Education Instructor at Fenton High School. “They developed leadership abilities to become better decision-makers and they had fun in the process.”

“The National Consumers League’s mission is to inspire confidence and safety in the marketplace,” said Sally Greenberg, NCL Executive Director. “The LifeSmarts program, our consumer education initiative for youth, fosters students’ understanding of consumer issues and provides them with real-world knowledge they will need to take charge of their lives.”

For more information about LifeSmarts visit: http://easternmichigan.bbb.org/lifesmarts/

To test your LifeSmarts, take a sample quiz at http://www.start.lifesmarts.org/ . From there, click on “Daily Quiz” to get started.

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About LifeSmarts

LifeSmarts is a program of the National Consumers League. State coordinators implement the program locally. For more information, visit: www.lifesmarts.org, email lifesmarts@nclnet.org, or call the National Consumers League’s communications department at 202‐835‐3323. The National Consumers League, founded in 1899, is America’s pioneer consumer organization. NCL’s mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. NCL is a private, nonprofit membership organization. For more information about NCL, visit www.nclnet.org or email media@nclnet.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains business reviews on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. The service area of BBB Serving Eastern includes the eastern half of Michigan’s lower peninsula and the entire upper peninsula . For more information, visit www.easternmichiganbbb.org.

BBB Warns of another Foreign Sweepstakes Scam

9/20/2011

Posted on 9/20/2011 by

Southfield, MI – September 20, 2011 - The Better Business Bureau (BBB) has received consumer inquiries regarding yet another “Sweepstakes/Telemarketing” scam. Consumers are receiving phone calls indicating they have won a lump sum amount of $3,500,000.00 U.S. dollars. But before funds are made available, the scammers require their victims to wire $25,000.00 U.S. dollars to cover insurance costs.

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

The letter states, “This is to certify that Better Business Bureau is being a customer with U.S. Bank. We <Bank of America> satisfactorily maintained an account with the current balance of $3,500,000.00 US DOLLARS, with a pending balance of $25,000.00 US Dollar for insurance before the funds is made available to (the victim’s name) attention through Bank of America.” The letter goes on to say, “This letter has been issued for the purpose to show proof that we withhold the above sum of money mentioned.” In an attempt to come off as legitimate, the letter copies and pastes Bank of America, Better Business Bureau, and the City of Las Vegas, Nevada logos throughout and displays inaccurate return addresses for Bank of America, as well as, the Council of Better Business Bureaus.

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

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

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

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

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

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

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The Better Business Bureau Serving Detroit & Eastern Michigan is a non-profit organization with the purpose of promoting trust in the marketplace by assisting in the protection of consumers and businesses from fraud and unethical business practices. In addition to its recognized dispute resolution services, the BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. The BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Advice for Securing Your Electronics this School Year

9/15/2011

Posted on 9/15/2011 by

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

College campuses, cafeterias, local hang outs and even classrooms can be an easy target for those looking to snatch expensive electronic devices. Theft is common on any campus, alerts the Wayne State University Police Department. They advise students to never leave property unattended in any campus building or in your car. Not only can thieves steal your personal property, they could gain access to sensitive information such as emails, text messages, calendars, photos and even social media network logins.

“Students need to be on-guard when it comes to securing their electronics,” said Patrick Bennett, BBB Director of Community Relations. “Electronics are a huge investment and they shouldn’t be treated any differently than carrying around a wad of cash.”

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

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

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

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

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

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

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

Don’t Be Taken for a Ride by an Auto Repair Scam

9/8/2011

Posted on 9/8/2011 by

What do you do when your windshield wipers stop working, your left taillight burns out or your brakes give out? Some may opt to fix the problem themselves, but many turn to the services and handiwork of auto repairmen. While most auto repairmen are honest and forthcoming, consumers need to be on the lookout for those that are trying to make a quick buck. Better Business Bureau is advising consumers to do their research before turning their car over to an auto repair service.

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. It’s important for consumers to be on the lookout for scams like overcharging on repairs, charging for labor that was never performed, and performing shoddy work. In 2010, BBB received a whopping 12,682 complaints against auto repair mechanics nationally and this year alone, BBB has already received nearly 11,000 complaints.

“Often consumers realize that they may have been scammed, but they don’t have proof,” said Patrick Bennett, BBB Director of Community Relations. “That is why it is extremely important to get all estimates for parts and labor in writing before authorizing any repairs.”

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

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

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

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

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

Curt Massoll, President of Curt’s Service a BBB Accredited Business in Oak Park, MI, also recommends looking for a repair facility that has ASE Certified technicians, is an AAA Approved Auto Repair Shop, belongs to the ASA Automotive Service Association and is an Accredited Business with the BBB. Massoll says, “By taking the time to check for these things, consumers will be able to weed out the poor shops and should receive the service expected.”

For more consumer tips you can trust, visit http://easternmichigan.bbb.org/bbb-news/

BBB Tips for New Items Pricing Law

9/2/2011

Posted on 9/2/2011 by

Southfield, MI – September 2, 2011 – With the implementation of the Michigan Shopping Reform and Modernization Act September 1, 2011, your Better Business Bureau (BBB) is reminding consumers of their rights and to be diligent while shopping.

Though items are no longer required to be individually marked with a price, retailers are required to display the price of items at the place where the item is located within the store. The price may be displayed by signage, electronic reader or any other method that clearly conveys the price to the consumer.

The new Scanner Law is essentially retained from the previous “Items Pricing Act” and provides the Scanner Error Bill of Rights. In the event an item scanned charges a consumer more than the displayed price and the transaction is complete including a receipt that shows the item purchased and price charged, then consumers have up to 30 days from the date of the transaction to notify the retailer in person or in writing. The seller may then choose to refund the consumer the difference of the overcharge from the displayed price plus a “bonus” of 10 times the difference up to $5.00.

BBB provides the following tips to consider while shopping:

Be a savvy shopper - Make sure the price/item label displayed on the shelf matches the item. Some retailers provide UPC readers throughout the store so you can verify price accuracy. Whenever in doubt, ask customer service associates for help.

At the checkout – Keep an eye on each item scanned to catch any discrepancies before the transaction is complete.

Be aware of sale prices – Sale prices may not always be reflected on the shelf or at the location of the items. If a sale item is scanned at the displayed price and not the sale price, you are not entitled the scanning error “bonus” because you were not charged more than the price displayed. Always carry copies of sales circulars or advertisements with you as verification of sale prices.

Complaints regarding a retailer’s failure to properly display the price of items for sale or regarding a scanner error overcharge should be directed to the Department of Agriculture & Rural Development, Weights & Measures Section at (517) 655-8202 or in writing addressed to 940 Venture Lane, Williamston, MI 48895.

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

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

9/2/2011

Posted on 9/2/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

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

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

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

MEDIA CONTACT:

Office of Public Affairs
202-326-2180

BBB Warns of Fake Package Pick-Up Postcard

9/2/2011

Posted on 9/2/2011 by

Southfield, MI – September 2, 2011 – Consumers have alerted the Better Business Bureau (BBB) that they have received a deceptive, official looking postcard requesting package pick-up, when in fact, it is an attempt to lure them into purchasing a vacation package.

The postcard is green in color and comes from Package Services (a.k.a. - Summit Package Services, Express Package Services and Apex Services) located at PO Box 820, Whitehouse, TX. The recipient is asked to call an “800” number to schedule a package pick-up and is provided a package number. When the call is placed, consumers are finding that it is a solicitation for a travel agency called “Cruise – Drive – Fly” presumed to be located in Ann Arbor, MI. Their intent is to sell vacation packages.

Further investigation has revealed that the PO Box address is associated with a vacation certificate and voucher company called CDA Consulting, LLC in Tyler, TX. This company holds a BBB rating of “F” due to having a total of 93 complaints filed against the company, failing to respond to 62 of the complaints and having nine complaints labeled as serious.

“This is basically a telemarketing scam”, said Patrick Bennett, BBB Director of Community Relations. “They use deceptive marketing tactics since there is no package for pick-up. Also, there is concern that just by calling the phone number on the postcard, your phone number may be shared or sold for future sales calls.”

To avoid falling prey to deceptive marketing and vacation or travel scams, heed the following advice:

As simple as it sounds, if you have not ordered anything for delivery, have not sent a package that may have been returned or if you do not have one to pick-up, alert your Better Business Bureau.
Before you contact any suspicious companies, do your research and check with the Better Business Bureau.
Ask detailed questions. Including if your information will be shared or sold.
Be wary of “great deals” and low-priced offers.
Be suspicious of companies that require you to wait at least 60 days before taking your trip.
Get all information in writing before you agree to buy.
Don’t give your credit card number or bank information over the phone without verifying with whom you are doing business.
Don’t send money by wire, messenger or overnight mail.
Don’t be pressured into buying.
If in doubt, say “NO.”

You may register your phone number on the National Do Not Call Registry or file a complaint of violation at https://www.donotcall.gov/. For more consumer tips and news you can trust, visit BBB’s news center at http://easternmichigan.bbb.org/bbb-news/.

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BBB Warns of Secret Shopper Mailings

8/25/2011

Posted on 8/25/2011 by

Southfield, MI – August 23, 2011 - The Better Business Bureau (BBB) has been receiving an increased number of consumer inquiries regarding bogus “Mystery Shopper” opportunities that are showing up in consumer’s mail boxes. The letters include a fraudulent check as partial payment to get started while a portion of the money is to be wired via Western Union to a fake company in Canada.

Consumers report that the letter states, “We are pleased to invite you to participate in a paid consumer research project in your area as a Mystery Shopper.” The letter goes on to mention earning extra cash for secret shopper assignments at local businesses and instructs the recipient to deposit the enclosed check and use the funds to cover the first week’s shopping assignments. Details are provided on how to use the money that ultimately tells the “shopper” to wire a portion of the money via Western Union.

The bogus “shopper” company uses a legitimate Michigan company, Slingshot Brokers, Inc. in Brooklyn, MI, on the fake check. A spokesperson for Slingshot Brokers, Inc. informed the BBB that they have received nearly 100 calls regarding the fraudulent checks and have alerted their local police department, as well as, their bank of the scam using their name. Slingshot Brokers, Inc. has no affiliation to the fraudulent operation.

“Scammers are targeting the unemployed and they prey on the emotions of those in desperate situations”, said Patrick Bennett, BBB Director of Community Relations. “Getting a job offer including a check to get started can be enticing, but depositing the check will result in a more dire situation.”

The BBB cautions consumers to be skeptical of anyone sending a check to deposit then wire transfer money in return. The check issued is counterfeit and, if deposited, will be returned to the bank as unpaid. As a result, the full amount wired will be deducted from the bank account and become the responsibility of the scam victim.

Al Fifield, Senior Vice President of Business Banking at PNC Bank wants consumers to know that banks are required to follow the ‘next-day availability’ rules as required by Federal Regulation CC to make deposited funds available. “However, this does not necessarily mean the funds have cleared and it could take several business days before the check is discovered to be counterfeit”, warned Fifield.

BBB advises consumers to steer free of these typical check or wire transfer scam scenarios:

You are selling something online but the buyer overpays you then asks you to wire transfer back the extra dollars.

You receive a check and notification that you have won a lottery or sweepstakes. You are asked to deposit the check and wire transfer back a portion to cover taxes and/or fees.

Work-at-home offers that promise a percentage of the money if you deposit a check or money order and wire transfer the remaining percentage back.

Someone in a chat room asks you as a favor to cash their check and wire transfer them the money.

If you feel you have been a victim of this scam please contact the Postal Inspection Service office at 877-876-2455 and file a complaint with your BBB at 248-223-9400 or online at www.easternmichiganbbb.org/complaints.

For more information or to report suspicious solicitations, go to www.bbb.org and you can also visit www.fakechecks.org.

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BBB Impersonators Abound

8/23/2011

Posted on 8/23/2011 by

Southfield, MI – August 23, 2011 – Con artists are showing up at the doorsteps of local businesses, falsely claiming affiliation with your Better Business Bureau (BBB) and trying to convince business owners to give them access to personal financial information. Business owners should be aware that these attempts are not legitimate.

The BBB of Western Virginia is reporting that impostors are falsely soliciting BBB Accreditation door-to-door and requesting money in a pushy, aggressive manner.

In addition, the scammers are requesting access to company financial records.

In Michigan, BBB representatives may contact businesses periodically by phone to handle a complaint, update their BBB Business Review or invite select businesses to apply for BBB Accreditation. The BBB advises businesses to never provide business details or payment information to individuals who show up at your doorstep promising BBB Accreditation.

Businesses are encouraged to verify the BBB representative's legitimacy by calling (248)223-9400 or e-mail the BBB at info@easternmichiganbbb.org. In addition, any business that believes they have been contacted by someone who may be impersonating a representative of the BBB is urged to contact the BBB with information that may aid in this investigation.

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Beware of New E-mail Scam Requesting BBB Rating Verification

8/18/2011

Posted on 8/18/2011 by

Southfield, MI – August 18, 2011 – Your Better Business Bureau (BBB) is cautioning businesses and consumers about an e-mail that is purporting to come from BBB. The e-mail appears to come from a phony BBB address (BBBupdate@post.com) in the Atlanta, Georgia metro area and falsely requests verification and validation of BBB Ratings.

The e-mail 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 Council of Better Business Bureaus, the national organization representing 122 member Better Business Bureaus throughout the United States in addition to 200 national business partners, has their legal department investigating who is behind this and will take all appropriate action to protect its trademark.

“Your BBB is actively communicating with businesses and consumers all the time”, states Melanie Duquesnel, President and CEO of the BBB Serving Eastern Michigan and the Upper Peninsula. “However, we do not conduct pending ratings or review verification surveys. If there is anything pertaining to a specific business, we directly communicate with the business owner rather than through a broad spectrum survey.” Should you receive such an e-mail, please disregard its message, and report any information received to the BBB’s Scam Portal.

Your BBB does send e-mail correspondence in form of newsletters, announcements and specific activity messaging for a particular business. If you are ever in doubt of the legitimacy of an e-mail from your BBB, please call 248-223-9400 or got to http://www.bbb.org/us/list-all-bbb-locations/ to find the BBB closest to you for more information.

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The Better Business Bureau Serving Detroit & Eastern Michigan is a non-profit organization with the purpose of promoting trust in the marketplace by assisting in the protection of consumers and businesses from fraud and unethical business practices. In addition to its recognized dispute resolution services, the BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. The BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Advice: Be Careful When Selling your Gold

8/12/2011

Posted on 8/12/2011 by

Southfield, MI – August 11, 2011 - As stock markets plunge in the wake of the U.S. credit rating downgrade, gold prices continue to soar, now topping $1,700 an ounce. The increasing demand for precious metals makes it very tempting for consumers to trade their unwanted jewelry for cash. That is why your Better Business Bureau (BBB) is advising consumers to think before they try to cash in on the gold rush.

“Selling old or unwanted gold is a growing trend for consumers during these uncertain economic times,” says Patrick Bennett, BBB Director of Community Relations. “Consumers should be informed before they attend a gold party, sell over the internet or through a local jeweler.”

Brian Schubot, President of Schubot Jewelers in Birmingham, MI, suggests people do their homework and shop around before they decide to sell their gold or jewelry. “It is important that the dealer is properly licensed and adheres to the Michigan Precious Metals and Gem Dealers Act”, said Schubot. “By doing your homework first, you can make sure you are getting the best value for your items.”

Bill Schuette, Michigan Attorney General, cautions consumers that “…gold parties (events where consumers can visit a friend's home and sell their gold) may seem like a convenient way to spend time with friends and make some cash, you may not be getting the best deal for your valuables. Unless you have shopped around first, and know exactly what your valuables are worth, you run the risk of losing significant amounts of money and your valuables.”

BBB suggests consumers consider the following before selling your gold:

Find a trustworthy appraiser. Get an appraisal locally. Check with BBB at www.easternmichigan.bbb.org to locate a reputable company. The BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

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

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value to get the most favorable price.

Safeguard diamonds and other precious stones. Single gold stud earrings might be worth $5 or $10, yet diamonds, rubies or other gems in the earrings may have a higher value. Ask for your gold and precious stones to be valued separately or have the stones removed and save them for resetting.

Know the terms and conditions when sending items by mail. Make sure your items are fully insured when sent by postal mail.

Retain your appraisals for proof of value of sent items.
Check the company’s policy regarding reimbursement if they lose your product. Many limit their liability.
Make a list of the items included in the package, keep a copy for yourself and put a copy in the envelope.
Take a picture of the items you are sending, including any identifying marks.

Ask about the company’s guarantee policy in the event you are not satisfied with the amount you receive. Can you get your items back, if you return the check? Under Michigan law, companies are required to retain your items, intact, for only nine days. If you send the check back, send it “return receipt requested,” so you have proof of delivery.

When attending a gold party, BBB recommends the following tips:

Is the dealer operating legally? Under the Michigan Precious Metal and Gem Dealer Act, dealers should be registered with the police department where the gold party is taking place. The law also requires these gold dealers to keep a permanent record of each transaction and keep all of the precious items they purchase for at least nine days.
Understand the scales. Jewelers use a weight measurement known as a Troy ounce, or 31.1 grams. A common U.S. ounce equals only 28 grams. To add to the confusion, some dealers may use a measure called the pennyweight (dwt), rather than grams, to measure a Troy ounce. A pennyweight is equivalent to 1.555 grams. Be on the alert for the dealer who weighs your gold by pennyweight, but pays by the gram. This unethical practice would result in your receiving less money, for more gold.
Know your Karats. Pure gold is too soft to be used alone, so it is combined with other metals to create durability and color. The Federal Trade Commission requires that all jewelry sold in the U.S. describe a karat fineness of the alloy. One (1) karat equals 1/24 of pure gold by weight. So 14 karats would mean the jewelry was 14 part gold and 10 part other metals. It is illegal for jewelry to be labeled “gold jewelry” if it is less than 10 karats. When you have your items appraised, have the jeweler inform you of the karat weights of your pieces and keep them separate when you offer them for sale to a dealer or at a gold party.
Know the current market price. Call a local jewelry store or check with an online source, such as www.goldprice.org, to verify the current market price for gold before you sell.

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How to Market Your Business in the New Economy

8/8/2011

Posted on 8/8/2011 by

FINRA FOUNDATION and USAA JOIN BBB MILITARY LINE TO BRING FINANCIAL LITERACY AND MARKETPLACE SUPPORT TO MILITARY FAMILIES

8/3/2011

Posted on 8/3/2011 by

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

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

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

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

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About BBB Military Line

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

Connect with BBB Military Line on Facebook.

BBB Military Line Contact (s):

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

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

BBB Advises Homeowners on Mold Must-Knows

8/3/2011

Posted on 8/3/2011 by

Many homeowners are looking for remedies for dealing with the aftermath of the devastating floods that have hit so many homes around the country. While a little part of the water damage picture, mold can be an ever growing, pesky problem that, if not taken care of quickly, can last forever. Better Business Bureau (BBB) and the Environmental Protection Agency (EPA) are advising homeowners to be proactive when it comes to dealing with mold and mildew.

When looking to eradicate mold, homeowners may choose to either tackle the problem on their own or consult the expertise of a contractor. Either way, BBB advises that it’s important for homeowners to do their research. According to the EPA’s Mold Guide, the many types of mold may begin growing indoors when mold spores land on surfaces that are wet. Mold can grow on any kind of wood, paper, carpet, and food.

“In 2010, BBB received nearly 30,000 inquires nationally on mold and mildew eradicators,” said Patrick Bennett, BBB Director of Community Relations. “As mold can ultimately destroy anything that it lands on, it’s important to act smart and fast.”

While homeowners should always avoid handling and touching mold without wearing proper gloves, there are also many other things to keep in mind. BBB and the EPA advise homeowners to consider the following:

Know your risks and side effects. There are many health risks associated with mold and mold growth. Many may experience an allergic reaction and other respiratory complaints when mold is present in the home.

Be proactive. The EPA attests that there is no practical way to eliminate all molds and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in your shower faucet or sink, repair it immediately to avoid the ideal habitat for mold. Clean and dry any wet or damp surfaces within 24-48 hours to prevent mold growth. Vent all bathrooms, kitchens and other moisture-generating sources to reduce indoor humidity and prevent mold growth.

“A damp or wet basement can provide a breeding ground for molds that can gradually destroy the things they grow on, however you can prevent damage, save money and avoid potential health problems by controlling the moisture”, said Jeff Schleuning, President of EverDry Waterproofing in Sterling Heights, MI. “If you clean the mold but don't fix the water or moisture problem, then most likely the mold will come back. “

Choose wisely when picking a contractor. Some mold eradicators can be imposters. It’s important to check a business’ BBB Business Review at www.bbb.org before selecting a contractor. Ask for referrals from friends and family members and check with at least three contractors before deciding on one. Make sure the contractor has experience cleaning up mold. Check references and ask the contractor to follow the recommendations in EPA’s Mold Remediation in Schools and Commercial Buildings, or other guidelines from professional or government organizations.

For more tips you can trust, visit http://easternmichigan.bbb.org/Consumer-Tips/ .

Watch Out for False Promises from OnlineBuinessScams.com

8/2/2011

Posted on 8/2/2011 by

Better Business Bureau (BBB) cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services. OnlineBusinessScams.com charges consumers an upfront fee of $1500 to $2000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to the BBB.

Consumers across the country have filed complaints about OnlineBusinessScams.com. One consumer was told that in order to help him collect money owed from a business he needed to pay 30% of the amount owed. The site requested half of the 30% upfront, which he paid.

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

The BBB wishes to remind all consumers that their services are free. Consumers never have to pay a third party in order to receive help from the BBB. To file a complaint against a business, please fill out BBB’s online form or contact your local BBB.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Business Blogging – Why Every Business Owner Should Do It

8/1/2011

Posted on 8/1/2011 by

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

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

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

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

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

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

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

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

For more business advice you can trust, visit http://easternmichigan.bbb.org/Business-Tips-Index/ .

Better Business Bureau Advises Students: Secure Your Identity

8/1/2011

Posted on 8/1/2011 by

Southfield, MI – August 1, 2011 - College students often feel they have enough to juggle when it comes to school, work and their social life. Protecting their identities and credit ratings often doesn’t make the list of their priorities. Because college students are so susceptible to identity theft, the Better Business Bureau (BBB) recommends that they take several simple steps to help protect themselves on campus.

According to the 2011 Identity Fraud Survey Report released by Javelin Strategy and Research, more than 8.1 million people became victims of identity theft in 2010. For young adults, “friendly fraud” is on the rise. This is fraud perpetrated by people known to the victim, such as a relative or roommate. “Friendly Fraud” grew seven percent last year.

“Identity thieves don’t care if you’re a struggling student and don’t have a penny to your name. Sometimes all they want is to exploit your clean credit record,” said Patrick Bennett, BBB Director of Community Relations. “Young adults, who establish good habits for protecting their identities, as well as monitoring for fraud, are laying a foundation for a healthy financial road during the rest of their lives.”

The BBB recommends the following tips for students to help fight identity theft on campus:

· Never loan your credit or debit card to anyone, even if they are a friend. Also, just say no if a friend wants you to co-sign a loan or finance agreement for items like TVs or computers.

· Don’t share too much on social networks. People using social networking for five or more years are twice as likely to suffer identity fraud as those newer to these sites. Javelin research found that 36 percent of people aged 65+ do not use the privacy settings on their network, potentially exposing crucial information to fraudsters. The good news is 89 percent of 25-34 year olds were actively using the privacy settings on social network sites.

· Make sure your computer has up-to-date antivirus and spyware software. Be diligent with installing updates and patches to your computer’s operating system or browser software, which help keep your computer safe from hacking attempts by online identity thieves.

· Important documents should be stored under lock and key. These include social security card, passport, and bank and credit card statements. Shred any paper documents that have sensitive financial information rather than simply tossing them in the garbage.

· 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.

· School mailboxes are not always secure, and mailboxes in a dorm or apartment can often be easily accessed. To combat sticky fingers in the mailroom, have sensitive mail sent to a permanent address, such as the parents’ home or a PO Box.

· When shopping on unfamiliar web sites, always check the company out first with BBB at www.bbb.org. Also look for the BBB Accredited Business seal along with other trust seals and 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

For more advice on fighting fraud and managing personal finances visit www.bbb.org

“Shield” Yourself from a Cell Phone Radiation Scam

8/1/2011

Posted on 8/1/2011 by

Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many scammers are looking to promote “shields” that can protect from the cancer causing waves. Better Business Bureau (BBB), along with the Federal Trade Commission (FTC) are warning consumers to be on the lookout for these so-called “shields” and advising consumers to turn to free options when limiting exposure to cell phone electromagnetic emissions.

Like many other too good to be true products, there is no scientific proof that these shields are actually effective. While it is always good to protect yourself from potentially harmful emissions, there are other ways to do it besides investing in a shield for your cell phone. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

“Leave it to scammers to jump on the latest scientific frenzy,” said Patrick Bennett, BBB Director of Community Relations. “It’s important for consumers to do their research before investing in any too good to be true technology. More times than not, victims will end up with a faulty product that, in many cases, doesn’t actually do any good.”

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

Go hands free. When chatting on the phone for long periods of time consider using a hands-free device, like an earpiece, or using the speakerphone feature. For the short conversations, you may even want to consider just texting the message, which allows for a quick response and keeps the phone away from your head.

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

Shop around. When looking for a new cell phone, consider investing in one that has a low specific absorption rate (SAR) before you buy. Measured in watts per kilogram of tissue, the SAR reveals how much radiation the body absorbs while using the mobile device. The FCC has record of this information for phones that were made in the last two years. You can find the FCC ID number on the inside of your cell phone’s case. Legally, in the US, a phone can’t emit more than 1.6 watts per kilogram.

For more consumer tips you can trust, visit http://easternmichigan.bbb.org/bbb-news/ and for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

Back-to-School Basics

8/1/2011

Posted on 8/1/2011 by

The summer is winding down, and soon students will be headed back to school! Chances are, you still have some major “back-to-school shopping” to do. Whether your child is headed to high school or college, the Better Business Bureau (BBB) has some Back-to-School basics.

When shopping for anything from new attire to electronic items, BBB has these tips to help you be a savvy back-to-school shopper:

-Sort through last year’s school supplies and clothes - see what can be reused. It’s OK to use notebooks that show a bit of wear around the corners or pencils that have barely been touched. And it’s definitely OK to wear last year’s jeans.

-Comparison shop – you may be surprised how prices vary on school supplies. Also, watch for sales and start saving coupons.

-Ask about returns and refunds. Shopping for new clothes, accessories and gadgets is one of the highlights of going back to school. When buying new gear, ask the store about their return policy and always keep the receipts. Stores are not legally required to exchange an item or give a refund.

-Keep the item in its original box. Many retailers will not accept returns on opened video games, CDs, software or DVDs. And health regulations prohibit returns of hats and other intimate apparel.

-Ask about restocking fees. Some merchants charge a restocking or "open box" fee sometimes as high as 20 percent of the original cost — for returns of electronics products or large-ticket items. Ask if that is the policy so that you know before you buy.

-Shop smart online. Find out the physical location and phone number of the merchant. Read the refund and return policy, have in writing any warranty or guaranty details, be familiar with delivery/shipping costs and time schedules, feel comfortable that the merchant is reliable and not the subject of consumer complaints, and be able to trust that any information you submit to complete the sale transaction (credit card number, etc.) will be treated with the proper care.

-Carefully check out businesses and deals before signing anything, before paying any money up front, and before releasing any personal or financial information (this includes your Social Security number, mother’s maiden name, credit card, banking account number and other personal data).

If your child is in the market for a computer, BBB recommends doing your research:

· Decide what your child’s needs will be.

· What is the computer going to be used for? Word processing, graphic/web design, gaming?

· Determine what type of hardware and software that will be required.

· Find out what you have to do if the computer breaks down.

· Check out the warranty on the computer.

· Call your school or university and ask what other students in the class use.

· Compare prices, and check out the companies with the BBB at www.bbb.org.

If you are thinking about allowing your college-bound student to sign up for a credit card, do your homework.

· Shop around for the plan that best fits your student’s needs. There are often special offers for students.

· Compare terms and fees before you agree to open a credit card for your student.

· Find out the interest rate on the card, are they introductory rates, and if so, long do they apply?

· Are there annual fees?

· Check into the transaction fees and any other charges that could be incurred.

For more consumer information, go to www.bbb.org or call 248-223-9400.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Score a Job – Not a Scam: BBB Advises Job Hunters to be on the Lookout for the Growing Number of Phony Job Postings

8/1/2011

Posted on 8/1/2011 by

Looking for a job? You’re not alone. With unemployment at a soaring rate of 9.2%, according to the U.S. Bureau of Labor Statistics, many job hunters are turning to online job boards to post their resume and search for jobs. Better Business Bureau (BBB) is warning job seekers to proceed with caution before sharing their personal qualifications and inquiring about jobs found online.

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. It’s becoming more and more common for scammers to lure in potential candidates with phrases like, “Get rich quick – without even leaving your home!” all in the hopes of getting their personal information. Craigslist, Monster.com, Careerbuilder.com and now even Facebook are all breeding grounds for scammers and the like.

“Job seekers need to be on the look out for potential scams. Before posting your resume to a career site or inquiring about a job, make sure you know with whom you are dealing,” said Patrick Bennett, BBB Director of Community Relations. “Many job scammers are having candidates set up direct deposit accounts as part of the application process and making it seem as though it’s naturally part of the process to get an interview—when it’s absolutely not.”

BBB advises job hunters to be on the look out for these red flags when conducting their job search:

Employer e-mails are rife with grammatical and spelling errors. Most online fraud is perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Emails purporting to be from job posting websites claiming there’s a problem with a job hunter’s account. After creating a user account on sites like Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

An employer asks for extensive personal information such as social security or bank account numbers. Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork suspicions were raised – and rightly so. Regardless of the reason or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

An employer offers the opportunity to become rich without leaving home. While there are legitimate businesses that allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Most recently, the BBB of Metropolitan Dallas uncovered a scam where job hunters were told they had to pay $64.50 for a background check before they could be considered for a cleaning job. Predictably, after paying for the background check, the job seeker never heard from the company again.

The salary and benefits offered seem too-good-to-be-true. The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little experience in order to lure unsuspecting job hunters into their scam.

The job requires the employee to wire money through Western Union or MoneyGram. Many phony jobs require the prospective employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers.

# # #

Reporters: For more information or to schedule an interview with a BBB Spokesperson, contact Patrick Bennett at 248-799-0326.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

E-mail Survey Fraudulently Uses KFC Logo

7/29/2011

Posted on 7/29/2011 by

Southfield, MI – July 29, 2010 - The Better Business Bureau (BBB) is warning consumers to be on the look-out for an e-mail satisfaction survey appearing to be from Kentucky Fried Chicken (KFC). The e-mail promises a $100.00 gift card just to complete the survey but instead is a ploy to obtain personal information and turn more telemarketers loose on unsuspecting consumers.

Consumers have alerted the Louisville BBB about an e-mail they received to complete a survey and in return, they would be sent a $100 gift card. The e-mail clearly displays the KFC logo and copyright symbols and asks about thirty questions with only the first four questions being related to KFC. The rest of the questions are about different items and companies. With every group of four to five questions, the survey asks the consumer to enter their e-mail address, home address and telephone numbers, as well as, encourages the user to continue the survey with “Almost Done” notations.

To date no gift cards have been delivered as promised but instead consumers received telemarketing calls from four or five different companies as soon as the following day.

Patrick Bennett, BBB Director of Community Relations, notes that YUM! Brands, parent company to KFC, does not have any involvement with the survey and provided the following response when alerted by the BBB:

“This is not a KFC sponsored survey nor have we given them the rights to use our logos in the survey that was e-mailed out. Our legal team is aware of this……. I believe they have sent this address an e-mail that has asked them to stop sending surveys with KFC logos. The e-mail is not from KFC, one customer stated the e-mail (address) that it comes from is freechickensurvey@arlissnovemarticulate7372.info, which is not one of our survey vendors”.

The BBB offers the following advice to consumers hoping to avoid online scams:

· Don’t be fooled by the appearance of an e-mail or website. Thieves have become very sophisticated in their ability to replicate sites, even providing direct links to a company’s history, departments and contact information.

· Don’t fall for offers promising a significant cash payout, credit or gift card for taking a simple survey. If something looks too good to be true, it likely is.

· Do not, under any circumstances, give personal or financial information to anyone until you have verified who will be using the information and how it will be used.

· Look for, read and understand Privacy Policies. Know what information will be collected and how it will be used.

· To avoid unsolicited telemarketer calls, register your phone numbers with the National Do Not Call Registry (www.donotcall.gov).

· If you feel you may be the victim of an online scam, contact the BBB at www.bbb.org or 248-223-9400 and the Internet Crime Complaint Center.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Beware of Bargains at Liquidation Sales

7/21/2011

Posted on 7/21/2011 by

Southfield, MI – July 21, 2011 – With Borders Group, Inc. set to go out of businesses and the subsequent liquidation sale ready to begin as early as July 22, 2011, your Better Business Bureau (BBB) is warning bargain-hunters to be on the alert for “false deals”.

“Consumers are always on the lookout for good deals and a liquidation sale sounds like a good place to get rock-bottom prices”, said Patrick Bennett, BBB Director of Community Relations. “Because liquidation sales are often handled by third parties, consumers could actually be paying an inflated price instead of getting a discount.”

BBB offers the following tips to protect consumers from getting bad deals at liquidation sales:

Shop around - Liquidators attempt to sell assets as quickly as possible and at the highest profit so some items will actually be priced higher. Moreover, competitors may sometimes drop their prices to compete with a liquidation sale. So check retail prices on goods before buying them at liquidation sales.

Use gift cards ASAP - Businesses undergoing liquidation won’t be around very long so BBB recommends that consumers holding gift cards use them as soon as possible to avoid getting stuck with a worthless piece of plastic.

Use a credit card - Unlike personal checks or cash, credit cards include built-in protection if the liquidator does not deliver on promised goods.

Know the status on warranties - Warranties are often serviced by a manufacturer or third party. This means the warranty will still apply, even if the retailer goes out of business. Nonetheless, consumers should always confirm the status of a warranty before buying.

Don’t expect top-notch customer service - Floor staff may be limited. Finally, consumers should keep in mind that all liquidation sales are final and that they don’t have many options if they are not satisfied with a purchase.

For more information on being a savvy consumer, visit www.bbb.org.

BBB Alerts Consumers to Not Respond to Voice Based Phishing Scam

7/19/2011

Posted on 7/19/2011 by

Southfield, MI – July 19, 2011 – Consumers across the country are reporting receiving fraudulent phone calls at all hours of the day and night concerning their debit cards. Your Better Business Bureau (BBB) is alerting consumers not to fall for this new voice based phishing scam.

Consumers have told the BBB that they have been getting phone calls in the form of an automated voice message alerting them that their debit cards are inactive or frozen. The automated system then prompts listeners to press one to re-activate their card and in turn asks for their card number and PIN. Caller ID does display a phone number. However, the number is invalid and not the true source of the call.

BBB advises consumers to hang up immediately if you receive this call and report the call to your bank, as well as, the Federal Trade Commission. Also, consumers should check for any fraudulent activity on their accounts.

“These scammers are looking for consumers to trust the call is legitimate by purporting to be from real banks or agencies”, said Patrick Bennett, BBB Director of Community Relations. “That is why they should hang up and contact their bank directly to verify if indeed there is an issue with their account.”

Your BBB advises consumers to be on the lookout for this scam and offers the following advice:

· Be wary of any suspicious phone calls or text messages asking for personal or financial information.

· If asked for bank information, call your bank directly to confirm that there really is a problem.

· Don’t reply to automated system prompts, text messages or call the number indicated in the message.

· Never provide personal or financial information over the telephone to people you do not know.

· If you believe you are a victim of a “phishing” bank scam, call your bank immediately to place the proper blocks on your account.

· Legitimate businesses and organizations do not use automated voice messages or send texts claiming problems with an account to lure the people into revealing financial information.

· File a complaint with the Federal Trade Commission by calling 1-877-HELP.

For more advice, visit http://easternmichigan.bbb.org/Consumer-Tips/.

BBB Has Tips on Getting Air Conditioning Service for Those Sweltering In Summer Heat

7/18/2011

Posted on 7/18/2011 by

Southfield, MI - July 18, 2011 – There’s no worse time for your air conditioner to go on the fritz than when the thermometer climbs near the century mark. Before you hire a contractor to make repairs, the Better Business Bureau (BBB) advises taking the time to check contractors out carefully, even when your patience is evaporating.

Rushing to find a cooling contractor can burn a hole in your wallet instead of keeping you cool. Heating and air conditioning companies were the subjects of 299 complaints to the BBB Serving Eastern Michigan in the last year. Some of the most common mistakes consumers make when looking for repairs are hiring the first contractor they find, not doing the proper research and not getting all the details of their service or repair in writing.

“BBB Business Reviews give consumers a lot of information on contractors and how they treat customers,” said Patrick Bennett, BBB Director of Community Relations. “By checking a company out with the BBB first, consumers often can save themselves the grief of hiring unreliable or unresponsive companies.”

If you are in need of a repair or just need a yearly check-up, the BBB recommends the following:

Research company background and licensing. Visit www.bbb.org for the Business Review of any company you plan to hire to learn more about its reputation and history of complaints. Ask if the company and its employees are licensed and insured.
Compare prices and service packages. Get at least three estimates for any air conditioning replacement, repair or maintenance work. All bids should be in writing and should provide a full description of the services to be provided and the materials to be used.
Review warranty coverage. Find out if the company offers any type of warranty or guarantee and make certain you understand the terms and conditions of the coverage. Also, be sure to check the warranty on your current air conditioning unit to determine whether any repairs or replacements may be covered.
Ask about energy efficiency. Many new air conditioning units are manufactured to be significantly more energy efficient than others. Some units may be eligible for tax credits. Make sure you get the necessary paperwork to cash in on those savings.

For more information or to check a company’s BBB Business Review, go to http://easternmichigan.bbb.org/ or call 248-223-9400.

BBB Warns of Online Mail Hold Services

7/15/2011

Posted on 7/15/2011 by

Going on vacation or an extended business trip can be cause for concern about the security of your home and mail while away. The Better Business Bureau (BBB) is advising consumers to be wary of mail hold services that are not provided by The U.S. Postal Service.

The BBB has been alerted about an on-line mail hold service called www.hold-my-mail.com that appears to be registered in Toronto, Canada. The website claims it will electronically notify your local Post Office to hold your mail and requires payment of $15.99 by credit card to provide the service. In addition to credit card information, the unsecured website’s Hold Mail Form asks for name, address, e-mail, phone number and the dates for which mail should be held.

“This website has all the red flags of a scam and our concern is that not only does it request personal and credit card information but also the website operators know when residents will be away from their homes”, said Patrick Bennett BBB Director of Community Relations. “People have no reason to ever pay for this service when The U.S. Postal Service will hold mail for free.”

BBB Advises:

· Never pay for mail hold services when the U.S. Postal Service will do it for free. Request online at: https://holdmail.usps.com/holdmail/landingView.do or print this form and drop it off at the post office.

· Consumers should start with BBB to check on a website’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on websites and click on the seals to confirm that they are valid.

· Take the time to read a website’s privacy policy and understand what personal information is being requested and how it will be used.

· Always look in a website’s address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying online.

· Secure your home to reduce your chances of being burglarized.

· Limit who knows you are away for an extended period of time.

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

Council of Better Business Bureaus Announces Groundbreaking Agreement

7/14/2011

Posted on 7/14/2011 by

Arlington, VA – July 14, 2011 – The Children’s Food and Beverage Advertising Initiative (CFBAI), a program of the Council of Better Business Bureaus, today announced a groundbreaking agreement that will change the landscape of what is advertised to kids by the nation’s largest food and beverage companies. For the first time, these food and beverage companies, who do the vast majority of advertising to children, will follow uniform nutrition criteria for foods advertised to children.

These uniform nutrition criteria, designed by CFBAI and top food industry scientists and nutritionists, will further strengthen voluntary efforts to change child-directed food advertising. Approximately one in three products currently advertised to kids do not meet the new nutrition criteria. While individual companies already have strong nutrition criteria for the products they advertise, the new uniform nutrition criteria will require many companies to change the recipes of these products or they will not be able to advertise them after December 31, 2013. The new criteria encourage the development of new products with less sodium, saturated fat and sugars, and fewer calories.

“These uniform nutrition criteria represent another huge step forward, further strengthening voluntary efforts to improve child-directed advertising. Now foods from different companies, such as cereals or canned pastas, will meet the same nutrition criteria, rather than similar but slightly different company-specific criteria. The new criteria are comprehensive, establishing limits for calories, saturated fat, trans fat, sodium and total sugars as well as requirements for nutrition components to encourage,” said Elaine Kolish, Vice President and Director of the CFBAI.

The result of a year-long effort to further improve the nutrition composition of foods advertised to children, the new CFBAI criteria take into account food science, U.S. dietary guidelines, and the realworld difficulties of changing recipes of well-known foods. The new CFBAI uniform criteria fill gaps that in the system of company-specific standards. They also recognize the inherent differences in food categories and their role in the diet, and set calorie and nutrient requirements that are appropriate for ten categories. Under the new CFBAI criteria, different foods such as cereals, peanut butter and dairy products have different nutrition criteria that are appropriate to each category.

“The food supply is a critical component to health and wellness. These criteria are meaningful, but practical, science-based standards that will further encourage healthier foods to be developed and advertised to children. Having criteria that are balanced for both nutritional significance and yet allows inclusion of foods that taste good and are affordable is critical because no matter how healthy a food is, if it’s not consumed it will not improve health and wellness. These criteria strike that balance,” said Dr. Eric Decker, Chair of the Department of Food Science, at the University of Massachusetts-Amherst, and a member of the Institute of Medicine’s Committee on School Foods.

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

 Juices. For juices, no added sugars are permitted, and the serving must contain no more than 160 calories.

 Dairy. This category includes products such as milk and yogurt. For ready to drink flavored milk, an 8 fluid ounce portion is limited to 24 grams (g) of total sugars. For yogurt products, a 6 ounce portion is limited to 170 calories and 23 grams of total sugars. These sugars criteria include both naturally-occurring and sugars added for flavoring.

 Grains, fruits and vegetable products (and items not in other categories). This category includes products such as cereals, crackers and cereal bars. Foods with ≤ 150 calories, such as most children’s breakfast cereals, must contain no more than 1.5 g of saturated fat, 290 milligrams (mg) of sodium and 10 g of sugar (products with > 150−200 calories get proportionately higher limits). Foods in this category also must provide ≥ ½ serving of foods to encourage (fruits, vegetables, non- or low-fat dairy, and whole grains) or ≥ 10% of the Daily Value of an essential nutrient.

 Seeds, nuts, nut butters and spreads. Foods in this category, which includes peanut butters, must have no more than 220 calories, 3.5 g of saturated fat, 240 mg of sodium and 4 g of sugar per 2 tablespoons. Foods in this category also must provide at least one ounce of protein equivalent.

 Main dishes and entrees. Foods in this category, such as canned pastas, must have no more than 350 calories, 10 percent calories from saturated fat, 600 mg of sodium and 15 g of sugar per serving. Foods in this category also must provide either ≥ 1 serving of foods to encourage or ≥ ½ serving of foods to encourage and ≥ 10% of the Daily Value of two essential nutrients.

“The foods advertised during kid’s programming are better now than before. CFBAI participants have stepped up to the plate and changed what’s on it. As a result, the fat, sugar, sodium or calorie content of foods advertised to kids has been reduced, and their nutrient density increased. During the last several years, the CFBAI participants have changed the recipes of or created more than 100 products to meet their meaningful, science-based nutrition standards,” said Kolish.

Under the current company-specific criteria, a limit of 12 grams of added sugars was the general standard for children’s cereals. This represented a significant improvement from 16 or 15 grams of sugars in cereals advertised to children prior to the CFBAI. Now, under the CFBAI’s new uniform criteria, the limit for most children’s breakfast cereals is 10 grams of total sugars. Similarly, companies’ sodium standards for canned pastas ranged up to 750 mg. Now, 600 mg of sodium, the level FDA uses in its definition of “healthy” claims for main dishes, will be the maximum.

The Council of Better Business Bureaus created the CFBAI in 2006 to respond to the FTC’s and Institute of Medicine’s calls for greater self-regulation of food advertising to children. As a result, advertising primarily directed to children through traditional and emerging media today are for healthier products, and these new criteria will result in participants improving products even more.

For more information on the criteria, visit: http://www.bbb.org/us/children-food-beverageadvertising-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

BBB Warns of New E-mail Scam Claiming to be from the Federal Reserve

7/13/2011

Posted on 7/13/2011 by

Southfield, MI – July 13, 2011 - A new e-mail claiming to be from the Federal Reserve is hitting corporate in boxes around the country seeking to infect computers with malware. Your Better Business Bureau (BBB) is alerting businesses not to fall for this phishing attack.

The e-mail claims to be from the Federal Reserve and states that there are “new requirements for account protection due to frequent attacks”. It goes on to state, "We strongly insist you install the latest version of our system security update" and in turn, directs the reader to click on a link to download the update. The link, when clicked, could easily infect computers with malware.

“E-mails attempting to infest computers with viruses are very common”, said Patrick Bennett, BBB Director of Community Relations. “Yet these phishing scams can be hard to detect because the scammers design the e-mail to appear official by using closely imitated logos and referencing legitimate agencies.”

Your BBB advises businesses to be on the lookout for this scam and offers the following advice:

· Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious.

· E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail.

· Beware of unsolicited e-mails from companies or organizations with which you have no association.

· Make sure you have current antivirus software and that all security patches have been installed on the computer.

· Legitimate businesses and organizations do not send e-mails claiming problems with an order or an account to lure the people into revealing financial information.

· If a business/consumer receives such an e-mail, BBB recommends picking up the phone and contacting the institution directly to confirm that there really is a problem.

For more advice on staying safe online, visit http://easternmichigan.bbb.org/Consumer-Tips/.

Beware of Bogus BBB Job Postings on Craigslist!

7/6/2011

Posted on 7/6/2011 by

Craigslist is commonly used to find apartments, search for jobs, or sell unwanted items. As the unemployed look for jobs, many are searching social networking sites, newspapers, and online postings. Another bogus employment opportunity scam has surfaced on Craigslist and this time it claims to be a job with the Better Business Bureau (BBB).

Scammers are posting fake advertisements for employment opportunities including one for a Data Entry Person at Better Business Bureau. Once the consumer replies to the posting and sends in their resume, they receive an e-mail response that indicates that “all employees are paid via GreenDot direct deposit”. In turn the e-mail tells the applicant to sign up with GreenDot, stresses to do it ASAP and directs them to a website that is a scam used to steal their personal information.

The Better Business Bureau Serving Eastern Michigan did not post the bogus opportunity and does not post job openings on Craigslist. Craigslist has posted a disclaimer for anyone searching for a job warning them of these types of scams.

“The goal of most employment scams is to get the victim to pay upfront fees or give away personal information,” said Patrick Bennett BBB spokesperson. “It is exciting to be contacted for a job interview, but job seekers should take a step back and look closely at every offer they receive before responding.”

BBB offers the following tips for finding a job through online searches:

· Exercise caution. When using social networking sites and online employment sites, be sure to check the website of the company posting the advertisement and the company to which you are applying. Many scams use names that are similar to reputable companies to trick job seekers.

· Start with trust. Check the BBB Business Review of a company at www.bbb.org to see if it has been associated with a prior employment scam.

· Never pay upfront fees. No legitimate job offer will require out of pocket expenses from a potential employee for background checks, credit reports or administrative fees before an interview. Additionally, job seekers should never provide bank account information for direct deposit setup until they have officially been hired.

· Be wary of websites or Craigslist advertisements linking to websites where customers are asked to set up a GreenDot or MoneyPak account.

· Never give your GreenDot or MoneyPak number to someone you don't know.

· Be careful of the “perfect offer.” Job seekers should be cautious of any posting advertising extremely high pay for short hours or minimal required experience. If it sounds too good to be true, it probably is.

For more information on finding a job and to check the reliability of any company, visit www.bbb.org.

Is Retirement in Your Future?

7/5/2011

Posted on 7/5/2011 by

Having an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and the fact that employees are cutting back on what they contribute to an employee’s retirement, consumers now realize they must take more personal responsibility for their retirement finances. In this economy, how do you go about making sure you will have the finances needed for a secure retirement?

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

“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”

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

A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.

Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.

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

Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

For more financial tips you can trust, visit http://easternmichigan.bbb.org/bbb-news/.

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

7/5/2011

Posted on 7/5/2011 by

Many advertisements seeking beauty pageant participants read, “Win Big Prizes! Scholarships! Cash! Become the Next Supermodel!” These ads are appealing to parents of young children, teens and others who are convinced they have what it takes to become the next big star. Participating in a beauty pageant may provide a rewarding experience, but many would-be contestants find that some pageant promoters do not deliver what they promise. While there are legitimate pageants, there are also those - whose only purpose is to fatten the pockets of promoters.

In 2010, Better Business Bureau (BBB) received nearly 10,000 inquiries from consumers about beauty pageant promotions. “Beauty pageants can carry big price tags,” said Patrick Bennett, BBB Spokesperson. “Before finding yourself scammed out of thousands of dollars, it’s important to check out the pageant operator with BBB first.”

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

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

What is the total cost of pageant participation for both the entrant and the chaperone? Oftentimes, family or business sponsors are asked to pay a sponsorship fee, which can vary in size, to the pageant promoter to cover hotel rental fees, awards, administrative costs and salary for company personnel and to generate company profits. Also, keep in mind that there are other costs for entrants, such as clothing, make-up, food and lodging.

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

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

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

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

Don’t Fall Victim to Unexpected Cell Phone Data Charges when Traveling this Summer

7/5/2011

Posted on 7/5/2011 by

Today, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau (BBB) is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars worth of data charges while traveling abroad this summer.

Last year alone, BBB received more than 27,000 complaints against the cell phone industry. Some of the complaints were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.

According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.

“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Patrick Bennett, BBB Spokesperson. “To prevent unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”

BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:

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

Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.

Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.

For more travel tips you can trust, visit http://easternmichigan.bbb.org/bbb-news/.

Be “Quick” and Keep Your Business Savvy and Up to Speed with QR Codes

7/5/2011

Posted on 7/5/2011 by

Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website. Your Better Business Bureau (BBB) offers some “quick” tips for businesses considering implementing Quick Response (QR) codes for their business.

So what is a QR code, exactly? These 2 dimensional barcodes, which originate back to circa 1994, aren’t exactly new, but are now being used in fun, innovative, business savvy ways that are luring in customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be read quickly by your smartphone. Think of a barcode that can store much more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless. A business can use a QR code to show information such as directions to their business, their company’s BBB Business Review or even a URL that the viewer can click to receive a coupon.

“QR codes are a fun way to attract customers to your business’ website or promotion,” said Patrick Bennett, BBB spokesperson. “You can get creative by placing the QR code in your email signature, allowing the viewer to go directly to your website. Or you can even have the code contain contact information, making it easy for the viewer to add it to his or her own cell phone.”

So what are other ways to use the code? And are there any risks? BBB offers these following QR code “quick” tips:

Where to display? Many businesses are turning to the windows of their store, paper advertisements, business cards, email signatures, shirts, mugs, ties and other products to display their businesses’ QR code. Some businesses are even using the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

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

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place. Like any other malicious website, QR codes can potentially direct you to a harmful website that can ultimately lead to a virus infiltration on your smartphone.

For more consumer and business news you can trust, visit http://easternmichigan.bbb.org/bbb-news/.

Summer Months Bring Highest Rates of Burglaries – Is Your Home Secure?

7/5/2011

Posted on 7/5/2011 by

Southfield, MI – July 5, 2011 – The summer months are the perfect time for a vacation getaway. Unfortunately, they are also the perfect time for a home robbery. According to the FBI, July and August have the highest rates of burglaries. Better Business Bureau (BBB) is advising homeowners, who are looking to secure their property this summer, to do their research when picking a home security system.

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

“It’s important to investigate the purchase of a home security system with the same care you would any major purchase,” said Patrick Bennett, Director of Community Relations of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “There are too many door-to-door salespeople selling home security systems out there that don’t always have your best interest at heart.”

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

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.

Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? If the alarm sounds, does the company first notify you or the police? How soon? What happens if you can’t be reached? Does the company have a local security patrol car? Are there costs for false alarms—and if so, who pays? What’s the early termination fee if you move? These are the types of questions you need to consider before you obligate yourself to a long-term contract.

Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. Ask for a complete inspection of your property and an itemized written estimate. Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.

Beware of “Door Knockers”. The BBB has received reports of “high pressure and fear selling practices.” from door-to-door Home Alarm System salespeople. These salespeople were citing false police reports of recent burglaries that had not happened or are making claims that the resident’s current alarm provider has gone out of business. Some home owners were misled into signing a contract for a new system, before canceling the contract on their existing system or they discovered that their current alarm provider was not out of business, resulting in their having to pay for two different alarm systems at the same time.

Additional advice:

You do not have to let Door-to-Door salespeople into your home.
If you are not interested, say “good bye” and shut the door.”

Individuals should provide credentials and identification.
They should be able to display proof of a city-provided neighborhood solicitation permit.
Ask if the company is local, regional, or national!
Do not be misled by false police reports.
Do not be pressured into signing a contract — if the deal is good today it will be good tomorrow. Beware of claims of “limited offers” and that the company is ready to immediately install the system. Reputable companies let you compare bids and engage in a comprehensive review of your security needs.

Be sure to completely read and understand any contract before signing, and remember your FTC, “right to cancel” a contract within 72 hours since it is signed at your home.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

For more home tips you can trust, visit http://easternmichigan.bbb.org/bbb-news/.

BBB Offers Tips on Firework Safety

6/30/2011

Posted on 6/30/2011 by

It’s almost the fourth of July, which means picnics, patriotism, and fireworks. Fireworks can be fun and beautiful; however fireworks can also be dangerous and illegal. Your BBB along with The Consumer Product Safety Commission and the National Council on Fireworks Safety offer the following safety tips to ensure a safe Fourth of July:

· Always read and follow label directions.

· Have an adult present.

· Buy from reliable, established sellers.

· Use outdoors only.

· Always have water handy (a garden hose and a bucket).

· Never experiment or make your own fireworks.

· Light only one firework at a time.

· Never re-light a "dud" firework (wait 15 to 20 minutes and then soak it in a bucket of water).

· Never give fireworks to small children.

· If necessary, store fireworks in a cool, dry place.

· Dispose of fireworks properly by soaking them in water and then disposing of them in your trashcan.

· Never throw or point fireworks at other people.

· Never carry fireworks in your pocket.

· Never shoot fireworks in metal or glass containers.

· The shooter should always wear eye protection and never have any part of the body over the firework.

· Stay away from illegal explosives.

· Use legal fireworks only.

In Michigan, certain fireworks are legal and the public may purchase them without a permit. Certain other kinds of fireworks, however, are illegal or require special permits that allow pyrotechnic experts to do the spectacular public fireworks displays that we enjoy at fairs and special occasions. The State Fire Marshal has prepared the following list that makes it easy for consumers to distinguish between legal and illegal fireworks:

LEGAL FIREWORKS (No permit required):

· Flat paper caps - containing not more than .25 of a grain of explosive content per cap.

· Toy noise makers - toy pistols, toy cannons, toy canes, toy trick noise makers, and toy guns in which paper caps are used.

· Sparklers - containing no more than .0125 pounds of burning portion per sparkler.

· Flitter sparklers - in paper tubes not exceeding 1/8 inch in diameter.

· Cone and cylinder fountains - emits showers of sparks.

· Toy snakes - not containing mercury and packed no more than 12 per box.

· Toy smoke devices.

Fireworks that do not fit the above exceptions are illegal for sale, use, or transportation without a permit. Violators are guilty of a misdemeanor.

EXAMPLES OF ILLEGAL FIREWORKS/EXPLOSIVES IN MICHIGAN (THIS LIST IS NOT ALLINCLUSIVE):

· Cherry Bomb - A small red sphere approximately 1" in diameter.

· Comet (or Mine) - A cylinder containing a star and attached to a wooden base. Upon

ignition, the star is thrust 50-100 feet in the air and continues to glow as it falls to the ground.

· Firecracker - A small noisemaking cylinder up to 1.5" in length, often strung together with a fuse.

· M-80 - Up to 2" in length, usually a red cylinder with a fuse coming out the side. This is not a firework; it is a federally banned explosive.

· Bottle Rockets - A cylinder, frequently topped by a cone to stabilize its flight, attached to a long stick.

· Roman Candles - A 6-12" tube containing alternating layers of compacted black powder that shoots single stars out of the top when lighted.

· Silver Salute (M-100) - A silver cylinder with a fuse coming out of the side containing large quantities of flash powder. This is not a firework; it is a federally banned explosive.

· M-250 and M-1000 (quarter-stick) - Large versions of the M-80 and M-100 that have extremely high risk factors for crippling and disfiguring injuries. This is not a firework; it is a federally banned explosive.

· Torch - A 6-12" tube filled with colored material and ending in a handle. When ignited, streams of colors come out of the top of the tube.

· Wheel-type Device - A firework that spins or twirls is a "wheel" and thus is neither a

"cylindrical fountain" nor a "cone fountain."

Generally, anything that explodes loudly or leaves the ground is illegal in Michigan.

Commercial-grade private fireworks displays in Michigan also require a permit from the

local government unit where the proposed display will be conducted. If you are traveling, you should know that five states ban all consumer fireworks: Delaware, Massachusetts, New Jersey, New York, and Rhode Island. Six states allow only sparklers and/or other novelty items: Arizona, Illinois, Iowa, Maine, Ohio, and Vermont.

For more information regarding firework regulations and safety, visit the Consumer Product Safety Commission, the National Council on Firework Safety or the Michigan Attorney General’s Office.

Online Scammers Turn to Reloadable Debit Cards to Defraud Consumers

6/20/2011

Posted on 6/20/2011 by

Southfield, MI – June 20, 2011 – The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula (BBB) is warning consumers that online thieves have found a new method of defrauding people by siphoning cash from their Green Dot MoneyPaks accounts. MoneyPaks, which are sold in stores throughout the U.S., are reloadable debit cards normally used to make same-day payments or add money to prepaid cards or PayPal accounts. In recent weeks, the BBB has noted a significant increase in schemes where scammers either tried to solicit – or were able to collect – payments via MoneyPak for merchandise, advance fee loans or sweepstakes prizes that all proved to be fraudulent or nonexistent.

“More and more scammers are moving away from seeking payments via wire transfer and instead asking consumers to give them money via MoneyPaks,” said Patrick Bennett, Director of Community Relations of the BBB. “We feel this is likely due to the fact this form of payment is quite convenient – for both consumers and scammers – and is untraceable.”

The BBB says any website requesting payment via a MoneyPak is likely a scam. They also say people should be very cautious when using MoneyPaks to pay companies or individuals they don’t know, and want people to understand that once they load a MoneyPak with funds, anyone they share the number of that card with will also have access to those funds. The fraudsters will convince consumers to put money into their MoneyPak card, get them to share its serial number, and then empty the card of funds, leaving consumers empty-handed.

“These scammers are very savvy and effective at coming off as trustworthy,” says Bennett. “That is why people should never give a MoneyPak serial number to anyone they don’t know.”

In the last two weeks alone, the BBB has received reports from consumers who:

Were asked to pay advance fees on bogus loans with MoneyPaks.
Were told they had won cash prizes of hundreds of thousands of dollars, but would first have to provide payment via MoneyPaks to claim their winnings.
Purchased heavily discounted home exercise equipment they found advertised on a fraudulent website (www.directhomefitness.com), but after paying hundreds of dollars for it with a MoneyPak discovered the merchandise was nonexistent.

To avoid falling for MoneyPak scams, consumers should:

Be wary of websites or Craigslist advertisements linking to websites where customers are asked to pay with a MoneyPak card.
Never give their MoneyPak number to someone they don't know.
Keep in mind advance fee loan offers are not legitimate and are targeted at customers and companies who are struggling with debt and poor credit, often making bad situations worse.
Remember that if you’re told you have to pay a fee via MoneyPak or wire transfer to collect a cash prize or sweepstakes winnings, you haven’t won anything.
Avoid offers that do not accept credit card payments and ask you to purchase a MoneyPak and then provide the MoneyPak number in an e-mail or over the phone.
Beware of websites requesting MoneyPak as a form of payment even if they display the MoneyPak or Green Dot logo. Consumers should check www.moneypak.com for a list of approved MoneyPak partners.
Treat their MoneyPak cards like cash. Remember that transactions cannot be reversed.

On their website, Green Dot says MoneyPaks should only be used to reload prepaid cards or accounts you control. They also advise people who are using MoneyPak with PayPal for eBay or other online merchants to transfer money to their PayPal account before paying the merchant; people should not e-mail the MoneyPak number directly to the merchant. Green Dot also states they are not responsible for the quality or non-receipt of any goods or services.

Consumers who have been scammed by fraudulent offers involving Green Dot MoneyPaks should contact their local law enforcement and file a claim, as well as, file complaints with the Michigan Attorney General’s Office (www.michigan.gov/ag) and the FTC (www.ftc.gov).

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Warns Consumers of the Latest Scams and Bad Businesses

6/3/2011

Posted on 6/3/2011 by

Following, in no particular order, is Better Business Bureau’s (BBB) list of the latest scams and bad businesses that are taking advantage of consumers and small business owners across the U.S.:

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.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/1/2011

Posted on 6/1/2011 by

Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

“It’s terrifying to think that your child or even unborn child’s identity could be comprised for the sole reason that they have a clean record,” said Melanie Duquesnel, President and CEO of Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “It is extremely important that parents take the necessary precautions to ensure the safety of their child’s precious and helpless identity.”

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18, http://AnnualCreditReport.com. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16^th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. From there depending on your state's credit freeze rule, placing a credit freeze should be considered.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

BBB Advises Consumers to Proceed with Caution before Investing in Technology Buy-Back Programs

6/1/2011

Posted on 6/1/2011 by

Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau (BBB) advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

“If you are an individual that likes to stay on top of the latest and greatest technology, then a buy-back program may be for you,” said Patrick Bennett, Better Business Bureau spokesperson. “But, as with anything else, you will need to do your research to find out if the program is worth the cost.”

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.

Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

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

BBB Advice on Avoiding Wedding Scams this Spring

6/1/2011

Posted on 6/1/2011 by

This spring, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, Better Business Bureau (BBB) advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

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

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Patrick Bennett, Better Business Bureau spokesperson. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

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

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

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

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

How to Build a Facebook Presence That Works to Your Business’ Benefit

6/1/2011

Posted on 6/1/2011 by

Social media has become a dominating force in the eyes of today’s consumer. From YouTube to Facebook, consumers are turning to social media sites now more than ever to get more deeply connected to a business. Better Business Bureau is advising businesses to use their Facebook presence to their advantage.

A Facebook page can serve as an eye catching way to lure in potential customers – if used correctly. Making sure that your website is up-to-date and fresh is the first step to having a solid, successful Facebook page. Don’t make the mistake of having your Facebook page serve as your only online presence. An eye catching Facebook page is a great way to complement your business’ website.

According to Human Business Works, 60% of U.S. businesses are not online in any fashion — a huge mistake in an age where most people rely heavily on search engines to find information about businesses. Investing the time and creative brain power behind your website serves as a great landing page for your Facebook link. As many have found, Facebook serves as a great way to build your fans and overall constituency and it’s important that your page’s messaging speaks volumes about the effectiveness of your business and its brand.

“Businesses can gain great insight about their consumers through their Facebook page. Looking at their responses and involvement on their page is a great indicator of the depth and to what degree they are reaching their audiences,” said Patrick Bennett, Better Business Bureau spokesperson. “Special graphics and applications aren’t a must, but could be considered to add a nice spice and to set the page apart from others in the business.”

BBB recommends the following to small businesses that are looking to grow their Facebook presence:

Keep your page fresh, lively and interactive. When posting to Facebook make sure to keep your audience in mind. What would they like to know and what do they need to know? Are you offering any special deals, rewards or promotions? All comments should be kept positive and sincere. Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.

A picture (and video) is worth a thousand words. Make sure to keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun, telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings that are in-line with your business are a great way to show your followers that you are up-to-date and keeping with the trends of the industry.

For more tips on keeping your business successful, visit www.bbb.org/us/bbb-news.

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/1/2011

Posted on 6/1/2011 by

Southfield, MI – June 1, 2011 - Better Business Bureau (BBB) receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous salespeople sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

Oftentimes, the door knocking presentations are so slick that consumers aren't even aware that they have bought several magazine subscriptions until they receive the bill. In 2011, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to toping last year’s nearly 1,200 complaints. These high pressure sellers use tactics that can have anyone falling victim.

“With the summer months fast approaching, the warm weather is sure to bring an eager group of door knockers from all trades to your door,” said Melanie Duquesnel, President and CEO of Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Most complaints against door knockers selling magazine subscriptions allege that sales representatives took their check and the magazines never arrived, while some complainants also allege being subjected to high-pressure and misleading sales tactics.”

This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

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

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

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

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

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.bbb.org, local law enforcement, and state Attorney General offices.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

About BBB

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

BBB Advice on Hiring Reputable Water Damage and Repair Contractors Following Flooding

5/26/2011

Posted on 5/26/2011 by

Southfield, MI – May 26, 2011 – Better Business Bureau (BBB) urges citizens to use caution as they hire contractors to repair damages to their homes and businesses following recent flooding in the region. While seeking a contractor in the wake of damaging flooding is an urgent affair, BBB urges people to take the time to make sure a contractor is reputable and qualified to perform the work PRIOR to hiring them to help protect from unsatisfactory work and rip-offs.

BBB offers the following advice when hiring a contractor:

-Beware of “fly-by-night” contractors or “storm chasers” who swarm the area after a storm. They may not be properly licensed or insured and may be hard to locate in the future.

-Beware of price gouging. Some unethical businesses may be marking up their products or services by as much as 500 percent.

-Make certain that you check with your own insurance provider FIRST before hiring a contractor to do repairs from flood damage to see what exactly is covered and what is not, whether there is specific paperwork you must fill out to file a claim, etc. Your insurance provider will give you tips on how to properly proceed.

-Get recommendations from friends, relatives, neighbors, co-workers, insurance agents or claims adjusters. Also ask contractors for names of previous customers and check with Better Business Bureau website, www.easternmichiganbbb.org, for information on area contractors.

-Get a written estimate. Make sure the estimate includes labor and material costs, as well as, project start and completion dates. Compare services and prices before making a final selection.

-Research proof of current and up-to-date contractor licensing and registration with state regulators PRIOR to hiring. Don’t just go with a verbal, “Yes, we have those things.” Contact the Michigan Department of Licensing and Regulatory Affairs https://www2.dleg.state.mi.us/colaLicVerify/ and/or http://www7.dleg.state.mi.us/bcclicense/

-Make sure the contractor carries general liability insurance and workers' compensation. If the contractor is not insured, your home or business may be liable for accidents that occur on the property. The above regulatory agencies give guidelines on how to verify this.

-Insist on a written contract. A contract should clearly state all tasks to be performed, all costs and the payment schedule. Never sign a blank contract or one with blank spaces. Make sure the contract states who will apply for the necessary permits or licenses. Keep a copy for your files.

-Get any guarantees in writing. Any guarantees made by the contractor should be written into the contract. The guarantee should clearly state what is guaranteed, who is responsible for the guarantee and how long the guarantee is valid.

-Make final payment only when the work is completed. Do not sign completion papers or make the final payment until the work is completed to your satisfaction. A reputable contractor will not threaten or pressure you to sign if the job is not finished properly.

-Resist dealing with any contractor who asks you to pay for the entire job up-front. A deposit of one-third of the total price is standard procedure. Pay only by check or credit card - and pay the final amount only after the work is completed to your satisfaction. Don't pay cash.

-Canceling a contract. This should be done within three business days of signing. Be sure to follow the procedures for cancellation that are set out in the contract. Send the notification by registered mail with a return receipt to be signed by the contractor.

-Consumer complaints. May be filed with the BBB at: www.bbb.org as well as with the state regulators mentioned above. A dual complaint can be filed with your state Attorney General's office, as well.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

CBBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/20/2011

Posted on 5/20/2011 by

Southfield, MI – May 20, 2011 – Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics.

Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price.

BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Melanie Duquesnel, President and CEO of Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. "When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website; and the U.S. Department of Transportation's site. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Business Reviews^® and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Media Contact:
Patrick Bennett, Director of Community Relations

(248)799-0326 pbennett@easternmichiganbbb.org

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

Media Contact:
John Bisney, Director of Public Relations
(703) 706-4986 jbisney@moving.org

Helping Small Business Owners

5/20/2011

Posted on 5/20/2011 by

BBB and Capital One Managing Credit – Made Simpler Partnership to offer businesses tailored advice and easy-to-follow tips online for free.

Southfield, MI – May 19, 2011 – In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

“Faced with the realities of the economic downturn, millions of small businesses have been forced to take a second look at their finances, including examining their spending habits and how they use credit,” said Melanie Duquesnel, President and CEO, Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Regularly examining your business’s finances, including how and why you use credit, is important. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

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

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

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

Expense tracking. Most business cards provide expense reports that are divided into categories and make it easy to track your spending and report expenses for your taxes. You may be able to import the information into your accounting and tax software.

Higher limits. A business credit card may offer higher spending limits than a personal card, which can help with monthly cash flow. It is also important to separate your business from your personal expenses to simplify reporting.

Cards for employees. Many business cards allow multiple employee cards on your account with pre-set spending limits, which helps build business credibility and simplifies expense tracking and travel reimbursement.

Helps build your business credit record. A good history managing a business credit card can help you build your business credit record and improve your profile when applying for a business loan and line of credit.

Added protection. A business credit card may also provide travel insurance and auto rental insurance for you and your employees.

Special perks. The business card may offer airport lounge memberships, concierge services, and other special benefits.

Extra benefits. Most business cards offer rewards programs or cash rebates.

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

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

For more information or to schedule an interview, contact Kelsey Owen with BBB at 703-247-9376 or kowen@council.bbb.org; or Pam Girardo with Capital One at 703-720-2351 or pam.girardo@capitalone.com.

About BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, providing trustworthy consumer and small business advice in addition to evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

About Capital One Capital One Financial Corporation (www.capitalone.com), headquartered in McLean, Virginia, is a Fortune 500 company with approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Capital One continuously invests in programs that help children, teens, and adults to increase their money management skills through participation in innovative, interactive learning opportunities. Visit www.capitalone.com/financialeducation for more information.

BBB Warns of Advance-Fee Loan Scams

5/13/2011

Posted on 5/13/2011 by

Southfield, MI – May 13, 2011 – The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula has once again seen a rise in inquiries and complaints about advance-fee loan scams. Advance-fee loan scams target individuals and small business owners desperate to get a loan and often take the victim for thousands of dollars.

Most people learn about the bogus loan offer from ads in local publications and online through websites and classified sites. These websites promise easy loans, credit cards and other financing offers – regardless of credit history. Often, an advance-fee loan scam website will be created and taken down within a couple weeks only to be replaced by another operating under a different name and fake business address.

The websites look professional and 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, the first two month’s payments or to be used as 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:

Red Flags: Be wary of:

· Guaranteed approval. It's a warning sign if the company promises loan approval before the borrower applies.

· Pressure to act immediately. Advance fee loan schemers will try to get consumers to send money or give out personal information (bank account information, credit card and Social Security numbers) before providing any paperwork.

· Hidden fees. Be suspicious if the lender understates loan costs or won't provide a written summary of all fees associated with the loan.

· Evasive tactics. Be wary if a company refuses to provide location information. If they hesitate to reveal their physical location, it is usually a ploy to avoid law enforcement detection.

· Internet lenders. When applying for loans online, the consumer may have to fill out a detailed application; providing bank account information and other personal details. If the lender does not abide by strict privacy policies or fails to secure their website, identity theft risks abound. Additionally, some internet lenders may attempt to bypass state usury, licensing and consumer protection laws by residing in states with lax regulations or outside the U.S.

· The lender is not registered in your state to do business. Check with the state’s 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 asked to wire money to another country. Consider this a giant red flag.

The BBB recommends the following tips when shopping for a loan:

BBB Tips:

· Don't buy into bogus loan promises. If a loan offer is made and you must pay to get access to the funds, it is a scam. It is illegal for telemarketing loan providers to offer a loan and require an upfront payment before it is issued.

· Never wire money or send money orders to obtain a loan. Legitimate lenders won't pressure you to wire funds. Never send funds to a third party.

· Be wary of loan approval or financing guarantees. Be suspicious of any lender that pre-approves loans or financing without checking your credit status or contacting references—especially if you have bad credit or no credit record.

· Don't pay for a referral. Beware of referral service companies that promise to connect you with "guaranteed" lenders, creditors or loan officers for an upfront fee. Instead, contact potential lenders or financial institutions directly to discuss options.

· Avoid copy-cats. Be on the lookout for forged paperwork and websites; scammers often mimic legitimate organizations or use well-known or common business names.

· Question their "connections." Many of the schemers using telemarketing to promote loans have no connection to established financial institutions. Ask which lenders the "loan broker" deals with, and ask for the lender's physical address. Contact purported partner companies to confirm affiliations.

· Research the business. Take time to examine the company and collect information on the opportunity. Refuse to do business until you have their physical address or location and can research them online. Get free BBB Reliability Reports on lenders and other businesses at www.bbb.org

· Review qualifications. Lenders and loan brokers should be registered in all states where they do business. To verify, call your state’s regulatory and licensing offices.

· Collect paperwork upfront. Before applying for loans or credit, expect a written contract or agreement. Make sure all verbal guarantees, details, fees, terms and timelines are enclosed. Under the Truth in Lending Act, all loan costs should be clearly and prominently disclosed in writing.

· Apply with caution. Before giving out your credit card, bank account or Social Security number, find out why the information is necessary. Verify the company's credibility before applying or giving out any personal details.

· Don't make loan payments to an individual. Payments should only be issued to a legitimate lender or authorized borrowing institution.

Other Solutions:

· Look at other financing options. Consider an advance on pay from your employer, or a small loan from a family member, friend, credit union or other lender.

· Ask for a deferment. Ask creditors for more time to pay bills. Find out what charges apply: Will there be a late charge, additional finance charge or higher interest rate?

· Get debt assistance. If facing financial troubles, contact a local consumer credit counseling service for help. Many non-profits charge small fees or no costs. Try using BBB's free online program Managing Credit – Made Simpler.

If you’ve become a victim of an advance-fee loan scam, report the scam with the following agencies:

Report Scams: Advance-fee loan scheme victims can file complaints with the:

1. Federal Trade Commission at www.ftc.gov.

2. Internet Crime Complaint Center if the scheme occurred online or by e-mail.

3. State Attorney General's Office

4. Better Business Bureau at www.bbb.org

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.

Additional Tips, Articles and Resources:
FTC: Money Matters – Advance Fee Loans
FTC: Advance Fee Loan Sharks
BBB: Don't Pay an Up Front Fee for a Loan

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Advises Consumers to Get a Contract, Set Clear Expectations When Hiring a Lawn Service

5/12/2011

Posted on 5/12/2011 by

Southfield, MI - May 12, 2011 – As the grass turns green this spring, homeowners may be considering hiring a service to rejuvenate lawns or take care of routine chores like lawn-mowing and trimming in the coming months.

Hiring a lawn service can ease the burdens of caring for your yard. To avoid headaches or misunderstandings, the Better Business Bureau (BBB) advises consumers to make sure you and the lawn service have clear, written expectations for what the company will provide for the agreed-upon fees.

“A lush, green lawn can be a source of pride for homeowners,” said Patrick Bennett, BBB Director of Community Relations. “But if a lawn service fails to mow regularly, leaves a mess or doesn’t do what the homeowner expected, disagreements and complaints often arise. Consumers should get a clear understanding of what services are provided and how much the service will cost in advance.”

Over the last year, consumers have filed 138 complaints against lawn maintenance companies with the BBB in Southfield. The BBB received 9,145 inquiries about lawn services last year and already has received 5,069 inquiries this year.

Many of the complaints centered on service issues, such as whether the company performed expected services or did unauthorized work. Other complaints were about billing issues or sales tactics. Many complaints were resolved with assistance from the BBB.

The BBB offers the following advice to help consumers find a lawn care company:

Know what you want. Lawn care companies provide many services, so it is important to decide what services and products are appropriate for your needs and budget.
Ask around. Ask friends and family what lawn care companies they use. This is one way to determine a company’s reputation and quality of service.
Check the company out with the BBB at www.bbb.org. BBB Business Reviews provide important background on businesses, such as how long they’ve been in business, who owns them and how they resolve complaints.
Ask for a lawn inspection and free estimate. Lawn care companies that quote a price without seeing your lawn cannot be sure what you need. Quality companies will only offer an estimate after they see what they are working with.
Request a written contract. A contract should clearly state the services you will receive, as well as how you will pay for it. If you are contracting for a recurring service, it should state how often the company will mow your lawn.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the stat

Celebrate “National Small Business Week” 2011!

5/5/2011

Posted on 5/5/2011 by

Did you know that more than half of Americans own or work for a small business? Industry experts estimate that small businesses create 60 to 80 percent of new jobs in this country. With those statistics, it is undeniable that small businesses drive our country’s employment, economic health and ongoing innovation. To thank the small businesses that are such major contributors to the strength of our economy, the President of the United States has established one week every year since 1963 to specifically honor and serve small businesses.

This year, National Small Business Week (NSBW) will be celebrated May 16th through the 20th, 2011 with a schedule of events planned to support and strengthen small businesses across the nation. As leaders of local trustworthy businesses, BBB invites you to join its efforts to support your business and strengthen your staff.

Here are a few opportunities BBB recommends for you to celebrate and strengthen your business’ success this week:

1. Host an Event and Request a Featured Speaker: Invite your customers, employees and community members out to celebrate your business’ growth! BBB would be happy to provide a speaker for your event, where a BBB professional could present relevant industry tips and/or highlight the way your business is advancing marketplace trust through BBB Accreditation (contact Patrick Bennett at 248.799.0326).

2. Attend Local Networking Events: BBB is hosting a Business Card Exchange on Wednesday, May 18th in its Southfield conference room featuring Terry Bean, founder of Networked, Inc. The presentation will focus on Business Karma with strategic ways to communicate with, lead and engage others to help any business grow.

3. Freshen up Your Online Presence: NSBW would be a great time to update your BBB Business Review or add the BBB Dynamic Seal to your website (contact Crystal Kontos at 248.799.0313). It is also a good time to strengthen SEO or brand your company to your BBB Directory listing or Online Video Sponsorships (contact Christina Moeller at 248.799.0334).

Online Scams Proliferate in the Wake of Bin Laden’s Death

5/4/2011

Posted on 5/4/2011 by

From Your Better Business Bureau of Eastern Michigan

FOR IMMEDIATE RELEASE

CONTACTS:

Melanie Duquesnel, President/CEO

Patrick Bennett, Director of Community Relations

(248) 799-0326

Online Scams Proliferate in the Wake of Bin Laden’s Death

Southfield, MI – May 4, 2011- In the aftermath of the death of Osama Bin Laden this past weekend, Better Business Bureau of Eastern Michigan and the Upper Peninsula is warning consumers to watch out for a slew of cyber-scams that have popped up in the past few days.

According to Kaspersky Labs, an Internet security firm, malicious Web sites and links have been proliferating on Google Images search, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which will infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers should also be very wary of links to Osama related Web sites that they find on Twitter, or any link with a URL that leads to an unfamiliar webpage. Often these links will lead consumers to Web sites with viruses, or forms that encourage consumers to enter personal information, which can be used to steal their identity, or for phishing scams.

BBB Tips:

Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.
Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or Web site you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.
If you you’re unsure if an offer or a Web site is legitimate, contact BBB at (248) 223-9400.

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

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Up

BBB Advice on Choosing a Driving School That’s Right for You

5/3/2011

Posted on 5/3/2011 by

While a scary but exciting time, having your eagerly-awaiting teenager soon to be behind the wheel is one that comes with lots of necessary preparation. When choosing a driving school for your soon-to-be driver, Better Business Bureau urges both parents and students to make smart, informed decisions.

A driver education course is designed to teach new drivers fundamental skills and basic knowledge about driving a motor vehicle. However, in the last two years, BBB has received more than 700 complaints against driving instruction with complaints ranging from no shows to customer service and sales practices.

“Consumers need to do their research before choosing a driving school,” said Patrick Bennett, Director of Community Relations of the Better Business Bureau Serving Eastern Michigan. “Parents and students alike should check with their state’s Department of Motor Vehicles to learn more about all of the necessary requirements and to verify the driving school instructor’s license status.”

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

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

Ask around. Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You must compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school. Ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind the wheel and classroom training. Do not assume that the fastest course is the way to go.

Check the details. Find out if the school has a policy on make-up classes and refunds. Know how to file a complaint against the school and check to see how the school resolves its complaints.

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

BBB Travel Tips to Ensure a Safe and Timely Flight

5/3/2011

Posted on 5/3/2011 by

With summer just around the corner, many consumers are beginning to plan their vacation getaway. While dreaming of island sun, many travelers fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems into their travel plans. Better Business Bureau (BBB), along with the U.S. Department of Transportation, are advising vacationers to plan ahead when traveling this summer to ensure safety and timeliness.

To avoid troubles in the sky, it’s important for travelers to be aware of their flight options,” said Patrick Bennett, Director of Community Relations of Better Business Bureau Serving Eastern Michigan. “With the burden and chaos that can come from a delayed or cancelled flight, it’s important for travelers to plan ahead and know their options.”

The U.S. Department of Transportation (DOT) advises consumers to be proactive when it comes to planning a getaway trip. According to Bureau of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

BBB and the U.S. Department of Transportation advise travelers to do the following when booking and securing their flights this summer:

The early bird gets the flight. When booking your flight, remember that a departure early in the day is less likely to be delayed than a later flight, due in part to the “ripple” effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, compensation is required by law only when you are “bumped” from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations. For example, in all recent airline bankruptcies passengers who had charged their fare and were not provided service were able to have their credit card company credit their account for the amount of the fare.

For more travel tips, visit www.bbb.org/us/consumer-tips-travel.

BBB Warns That Scammers May Be Chasing Your Wallet In Light Of Recent Storms

5/3/2011

Posted on 5/3/2011 by

Your home and wallet may take a serious beating when a big storm hits and with several recent storms and tornadoes, Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Patrick Bennett, Director of Community Relations of Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at www.bbb.org/us/consumer-tips-home and BBB Wise Give Alliance at www.bbb.org/charity.

BBB Urges Consumers to Make Smart Solar Energy Investments

4/25/2011

Posted on 4/25/2011 by

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

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

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products.

There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be weary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Patrick Bennett, Director of Community Relations. “It pays to look beyond the lowest bid when selecting a contractor.”

BBB recommends considering the following before investing in solar energy:

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

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

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

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

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

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

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

FTC Seeks to Halt 10 Operators of Fake News Sites from Making Deceptive Claims about Acai Berry Weight Loss Products

4/21/2011

Posted on 4/21/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Internet Marketers Falsely Claim Endorsement from ABC, Fox News, CBS, CNN, USA Today, and Consumer Reports, FTC Alleges

The Federal Trade Commission is requesting federal courts to temporarily halt the allegedly deceptive tactics of 10 operations using fake news websites to market acai berry weight-loss products. The FTC seeks to permanently stop this misleading practice and has asked courts to freeze the operations’ assets pending trial.

According to the FTC, the defendants operate websites that are meant to appear as if they belong to legitimate news-gathering organizations, but in reality the sites are simply advertisements aimed at deceptively enticing consumers to buy the featured acai berry weight-loss products from other merchants.

The FTC complaints allege that typical fake news sites have titles such as “News 6 News Alerts,” “Health News Health Alerts,” or “Health 5 Beat Health News.” The sites often include the names and logos of major media outlets – such as ABC, Fox News, CBS, CNN, USA Today, and Consumer Reports – and falsely represent that the reports on the sites have been seen on these networks. An investigative-sounding headline on one such site proclaims “Acai Berry Diet Exposed: Miracle Diet or Scam?” The sub-headline reads, “As part of a new series: ‘Diet Trends: A look at America’s Top Diets’ we examine consumer tips for dieting during a recession.” The article that follows purports to document a reporter’s first-hand experience with acai berry supplements – typically claiming to have lost 25 pounds in four weeks.

“Almost everything about these sites is fake,” said David Vladeck, Director of the FTC’s Bureau of Consumer Protection. “The weight loss results, the so-called investigations, the reporters, the consumer testimonials, and the attempt to portray an objective, journalistic endeavor.”

The Illinois Attorney General’s office is announcing an additional case against an affiliate marketer using fake news websites to promote acai berry weight-loss products.

The FTC will ask the courts to permanently bar the allegedly deceptive claims, and to require the companies to provide money for refunds to consumers who purchased the supplements and other products. The FTC charges that the defendants:

· make false and unsupported claims that acai berry supplements will cause rapid and substantial weight loss;

· deceptively represent that:

their websites are objective news reports;
independent tests demonstrate the effectiveness of the product, and
comments following the “articles” on their websites reflect the views of independent consumers; and

· fail to disclose their financial relationships to the merchants selling the products.

The Federal Trade Commission has a new consumer alert to help consumers recognize and avoid deceptive claims made by fake news sites that market acai berries for weight loss. It also has a new video detailing the risks of free trials, which often are used to market acai berry supplements and other products.

According to the FTC complaints, in pitching the acai weight-loss products, the defendants post attention-grabbing ads on search engines and high volume websites, such as “Acai Berry EXPOSED – Health Reporter Discovers the Shocking Truth,” driving traffic to the fake news sites and ultimately to the sites where merchants sell the products. The FTC has received numerous complaints from consumers who paid between $70 and $100 for weight-loss products after having been deceived by fake news sites.

Reporters or commentators pictured on the sites are fictional and have not conducted the tests or experienced the results described in the reports, the FTC alleges. The “responses” and “comments” following the reports are simply additional advertising content, not independent statements from ordinary consumers. The defendants receive commissions when consumers buy the products or sign up for “free trials” on the product-selling sites – but they fail to adequately disclose their lack of objectivity and their financial incentive to get consumers to buy the products. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

Derived from acai palm trees that are native to Central and South America, acai berry supplements are often marketed to consumers who hope to lose weight. In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals for deceptively marketing acai berry supplements as weight-loss products, and “colon cleansers” as an aid for preventing cancer.

The defendants running the fake news sites who were charged in these cases make very similar claims that consumers can experience dramatic weight loss by taking acai berry supplements in combination with a companion product such as a so-called colon cleanser.

The Commission votes authorizing the staff to file the complaints and seek the temporary restraining orders in Beony International LLC; Circa Direct LLC; Copeac; Ricardo Labra; and Tanner Vaughn were 5-0. The Commission votes authorizing the staff to file the complaints and seek the temporary restraining orders in Coulomb Media, Inc.; DLXM, LLC; Charles Dunlevy; Zachary Graham; and Thou Lee were 4-1, with Commissioner J. Thomas Rosch voting no.

The FTC filed the 10 complaints and requests for temporary restraining orders in six federal courts. In the U.S. District Court for the Northern District of Illinois, Eastern Division, the agency filed complaints against Beony International LLC, Mario Milanovic, and Cody Adams; Zachary S. Graham, Ambervine Marketing LLC, and Encastle Inc.; Intermark Communications, Inc. also doing business as Copeac, and IMM Interactive; Ricardo Jose Labra; and Thou Lee, also doing business as TL Advertising. In the U.S. District Court for the District of New Jersey, the agency filed a complaint against Circa Direct LLC and Andrew Davidson. In the U.S. District Court for the Eastern District of Michigan, the agency filed a complaint against Coulomb Media, Inc., and Cody Low, also known as Joe Brooks. In the U.S. District Court for the Eastern District of New York, the agency filed a complaint against DLXM, LLC, also doing business as DLXM LLC, and Michael Volozin, also known as Mikhail Volozin. In the U.S. District Court for the Northern District of Georgia, the agency filed a complaint against Charles Dunlevy. In the U.S. District Court for the Western District of Washington, the agency filed a complaint against Tanner Garrett Vaughn, also doing business as Lead Expose, Inc., and Uptown Media, Inc.

NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. The case will be decided by the court.

BBB Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren’t Their Own

4/18/2011

Posted on 4/18/2011 by

Protecting your identity is important and with Wi-Fi networks popping up nearly everywhere, many consumers don’t realize the dangers that come with using a Wi-Fi connection that is not their own. According to a recent poll conducted by Wakefield Research and Wi-Fi Alliance, 32 percent of respondents said they have tried to get on a Wi-Fi network that was not their own, a startling 18 percent more than a December 2008 poll. The Better Business Bureau (BBB), along with the Federal Trade Commission (FTC), urges consumers to think ahead before surfing the Web on a Wi-Fi hotspot.

Wi-Fi hotpots like coffee shops, libraries, airports, hotels and universities are all breeding grounds for hackers. According to the FTC, new hacking tools—available for free online—makes hacking easy, even for users with limited technical know-how.

Consumers should be cautious before using a non-secure wireless network and before sending personal information via unencrypted websites. When surfing on a non-secure Internet connection, an individual’s personal information, private documents, contacts, photos and even login information can be up for grabs as other users on the network have the capability of seeing what is being sent.

Patrick Bennett, Director of Community Relations with your BBB Serving Eastern Michigan, warns consumers against two popular security scams that can be associated with using an unsecure Internet connection. “Many consumers don’t realize the repercussions that come from using a Wi-Fi hotspot. Phishing, a popular e-mailing scam, and smishing, a SMS texting scam, grow exponentially when hackers obtain access to personal information on the Web via an unsecure Wi-Fi network.” BBB urges consumers to protect themselves from such scams by securing their Internet surfing.

In order to confirm that an Internet connection is secure, BBB advises consumers to follow the FTC’s top Wi-Fi tips:

Make sure the connection is protected by a unique password. If a Wi-Fi hotspot doesn’t ask for a password, the Internet connection is not secure. If a hotspot asks for a password just to grant access, consumers should proceed as if the connection were unsecured. Only trust home and work internet connections that are protected by a customized user password. Wi-Fi hotspot connections with generic passwords are vulnerable to hackers.

Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

Don’t stay permanently logged-in to wireless hotspots. Never leave your Internet connection running while your computer is unattended and make sure to log-off after every use.

Change your passwords frequently. When creating new accounts, make sure you use different passwords. Do not use the same password for different sites. If one password is hacked, the chances of other accounts being hacked becomes greater with repeated passwords.

For more advice on security scams, visit www.bbb.org or to learn more about protecting your privacy online and what to do if your information is compromised, visit www.OnGuardOnline.gov and http://www.ftc.gov/opa/2011/02/wireless.shtm.

BBB SECURE YOUR ID DAY: Saturday, April 30 (9 am – 1 pm)

4/18/2011

Posted on 4/18/2011 by

Your local Better Business Bureau along with GreenPath Debt Solutions are encouraging residents and small businesses to take an important step in helping prevent identity theft and protecting the environment by attending BBB’s SECURE YOUR ID DAY Community Shred and Hard Drive Destruction event on Saturday, April 30, 2011 (9 am – 1 pm) at the BBB Office parking lot in Southfield. Over the past two years, more than 19 million Americans became victims of ID theft, resulting in the loss of $93 billion to criminal activity, according to a 2011 report from Javelin Strategy and Research.

“While there is no guarantee that one won’t become a victim of identity theft, destroying documents that appeal to thieves and destroying computer hard drives with sensitive passwords and information are just a couple of ways to deter identity theft”, said Patrick Bennett, Director of Community Relations for the Better Business Bureau Serving Eastern Michigan. “That’s why your BBB, GreenPath Debt Solutions, and Cintas Corporation will be available to offer information and actions to help people prevent ID theft.”

Bring up to three normal sized boxes or bags of sensitive paper documents to be shredded on the spot for free by event partner Cintas. $10 per box/bag exceeding the free promotion will be charged with proceeds supporting the BBB Educational Foundation. All shredded paper and destroyed hard drives from this event will be recycled to protect the environment in participation of Earth Day 2011.

Understanding that computers are also targeted by identity thieves, event partner Cintas will provide consumers the ability to have their computer hard drives, detached from the PC, printer, copier or scanner, destroyed on the spot for just $10 dollars per unit.

Our Secure Your ID Day partner, GreenPath Debt Solutions, will also provide on-site certified counselors to educate about their services and schedule one-on-one counseling sessions.

In addition, your BBB will be accepting donations of used cell phones as part of a recycling effort to help support the 911 Senior Cell Phone Program sponsored by the Oakland County Sheriff’s Office. The used cell phones must be in good condition and include an AC/DC recharging unit.

For more information visit http://detroit.bbb.org/secure-your-id/ or call Patrick Bennett at 248-799-0326.

The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Warns Against Online Ads for E-Cigarettes

4/8/2011

Posted on 4/8/2011 by

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

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

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Patrick Bennett, Director of Community Relations. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

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

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

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

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

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

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

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

4/8/2011

Posted on 4/8/2011 by

Southfield, MI – April 8, 2011 – Consumers who owe money or are behind on their bills may be legitimately contacted by debt collectors to pay off debts. The Better Business Bureau (BBB) warns consumers, however, that phony debt collectors are lurking. In a recent release of the top complaints reported to the BBB, collection agencies ranked 5th in number of complaints received. With more than 15,000 complaints, consumers need to be aware of the best practices for when it comes to handling debt collectors.

Debt collectors seek to reclaim funds on past-due accounts on behalf of creditors, businesses or individuals. But, sometimes the "debt collector" calling turns out to be an identity thief who is trying to get you to divulge personal or financial information, such as your Social Security, bank and credit card numbers. Oftentimes, scammers will impersonate legitimate debt collectors to illegitimately obtain financial information. These fraudulent calls can be harassing and threatening.

“Consumers need to know the red flags for fraudulent debt collectors,” says Patrick Bennett, Director of Community Relations with your BBB Serving Eastern Michigan and the Upper Peninsula. “If the collector refuses to reveal the name of their agency or demands that the payments be made in cash or money transfer only, consumers need to report this immediately.”

It’s important for consumers to verify the alleged debt before taking action. BBB recommends doing the following:

Request written proof. Get documentation to help determine if the callers are actually identity thieves or if a debt is actually owed. By law, a debt collection agency must provide a validation notice within five days of contacting you about the debt. Within 30 days of receiving their validation notice, send the debt collector a written request to further verify the debt details. Do not provide personal or financial information unless the validity of the debt and the debt collector has been confirmed.

Verify the legitimacy. Get the debt collector's name and contact information to research the agency further. Search on the Internet to see if they have a website or a BBB Business Review at www.bbb.org. Cross-check contact information and call them using a phone number from a public or online directory. Verify that the representative who called is affiliated with the agency.

Avoid phony calls. Be wary if the debt cannot be verified or if no documentation is received. Advise them to stop contacting you and register with the National Do Not Call Registry at www.DoNotCall.gov or 888-382-1222.

If you do not owe the alleged debt, BBB recommends doing the following:

Don't ignore the collector. It is best to respond immediately, even if you don't believe the debt is yours. Otherwise, the collector may continue contacting you or file a judgment.

Don't pay. Do not claim a debt that isn't yours or make a payment on a bill just to make the collector "go away." Even just one payment can indicate that you are accepting the full responsibility of the debt. The invalid debt could also reflect as a liability on your credit report.

Contest errors. If no debt is confirmed, contact any involved parties to clear up inaccuracies on your credit report, such as: the debt collector; the creditor or company claiming unresolved accounts; and the major credit bureaus. Write a detailed letter and include supporting documents to prove your case. The Federal Trade Commission provides additional resources for reporting errors.

Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft; an imposter may be using your identity to make purchases, open accounts and obtain credit. Review your credit report to quickly identify fraudulent activity or make corrections; visit www.annualcreditreport.com for a free yearly credit report and get FTC advice for Resolving Specific Identity Theft Problems relating to debt collectors.

BBB recommends doing the following for debt you do owe:

Know your responsibilities. It is not against the law for a debt collector or creditor to contact you regarding unpaid debts. Try working with them to resolve issues. Discuss doing payment plan and request obligations in writing.

Complain about abusive practices. Report harassment, threats and other violations of federal telemarketing laws to the FTC. File a BBB complaint if you believe a debt collector is acting unethically. Also, research state laws on debt collectors, which may vary.

Stop collector calls. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. Write a letter stating not to contact you anymore. Save a copy of the letter then send the original via certified mail and request a return receipt. If a debt is owed, the collector or creditor can still take legal action to collect funds and may contact you to inform you of their action.

Seek help for debt. Try using BBB's free online program Managing Credit – Made Simpler.

Know your rights. Review the federal Fair Debt Collection Practices Act (FDCPA), which sets standards for collection agencies and prohibits abusive tactics. The FDCPA is enforced by the FTC and violations should be reported. Debt collectors:

May not make false or deceptive claims.
Are not allowed to make idle threats, express or implied, or use abusive or profane language.
Should not discuss consumers' accounts with unauthorized third parties.
May not inaccurately report credit information and pressure consumers to pay debts they do not owe.
Must investigate the validity of a dispute over a debt.

Report Scams: Debt collection victims can file complaints with the:

Better Business Bureau
Federal Trade Commission.
Internet Crime Complaint Center, if contacted by internet or e-mail.
State Attorney General's Office and other local consumer affairs agencies.
American Collectors Association (ACA International) processes complaints on its member debt collectors; find out if the debt collection agency is a member.

For more information on debt collection, visit www.bbb.org/us/Consumer-Tips/.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Choosing a Credit Card for your Business

4/6/2011

Posted on 4/6/2011 by

If expense reports are piling up and you’re tired of hearing your employees complain about not getting reimbursements, it might be time to consider a business credit card. The Better Business Bureau offers advice to business owners on choosing the right credit card for your business.

According to a 2009 survey by the Board of Governors of the Federal Reserve System, 83 percent of small businesses used credit cards; 64 percent used small business cards, and 41 percent used personal cards.

It is easy to understand why small business credit cards represent a growing, competitive marketplace, and many banks and credit card companies are actively pursuing small business owners as a rich source of new partners and clients.

For small business owners, now is actually a good time to research how a business credit card can benefit operations, or to re-evaluate existing business credit card plans to take advantage of best rates and current offers in the marketplace.

“There are many ways that a business credit card can make life easier for an owner and their employees,” said Patrick Bennett, Director of Community Relations. “It can build credit history for your company, provide you with short-term loans, offer discounts with vendors, and make expense reports a thing of the past.”

Basically, there are two options for business credit cards - small business and corporate credit cards. The decision on which option to choose is based in large part on the size of the business and who is responsible for the debt.

As the names imply, a corporate credit card is for large businesses and corporations and the burden of debt typically falls on the corporation. A business credit card is intended for smaller businesses with sole-proprietors and the burden of debt is on the owner. Unless the business is producing more than $2 million annually in gross income, a corporate credit card isn’t an option.

A business credit card is very similar to a personal credit card and carries a credit limit and minimum monthly payments. Business owners and any employee who will use the card will typically undergo a credit check.

BBB offers tips for choosing and implementing a new business credit card approach:

Do your research. Many banks and credit card companies are making various offers, with some attractive perks that may fit nicely with your business needs. But offers run the gamut, so be choosy. You’ll want to find out about offers from both your local banks and national credit card companies.

Don’t get burned by special offers. As noted, there are many offers and plans available for small business owners, but pay specific attention to business credit card plans with introductory offers for 0% APR. While this may be a good option for an immediate, high-end purchase to support your business, you need to find out what the conditions for the APR are – under what conditions will it rise, and what are your options if it does rise. Beware of getting stuck with a high APR after the introductory period.

Consider the rewards. Many cards will offer perks for both you and your employees including discounts with preferred vendors and airlines, as well as rewards points.

Lay the ground rules. Make sure your employees know exactly what can and cannot be charged on the credit card. Some cards will let you adjust the credit limit on individual employee cards, as well as limit where the cards can be used.

For additional tips on managing your business’s finances, go to www.easternmichiganbbb.org.

BBB Reinvents the Reliability Report

4/6/2011

Posted on 4/6/2011 by

Find Out How your Business Benefits

Last year alone, consumers in North America looked to 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 BBB because they knew they could trust the nearly 4 million Reliability Reports that 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.

Just as your business evolves over time to better meet your customers’ needs, BBB has redesigned our business reports to provide more information to consumers as well as help you, as an Accredited Business, highlight your products and services.

For starters, our reports have a new name: BBB Business Review. To increase the value and prominence of accreditation, you are now able to upload photos to your review to showcase your company. In addition, customers who check out your review will also be able to download any coupons you want to offer, request a quote for service or access a map and directions to your business.

You are able to provide more information to consumers about your business in your review, including your products and services, hours of operation, refund and exchange policy and methods of payment accepted.

BBB Business Reviews now provide an even better way for your business to stand out from the competition. You can make updates to your BBB Business Review through the Accredited Business Only site, accessed by clicking the gold “LOGIN” button in the upper left corner of our homepage, www.easternmichiganbbb.org. Access requires a registered email address, your business ID and password. For assistance, or to learn about how you can take advantage of all the new features and promote your good name, please contact Sandra Rooks at 248-799-0319 or Crystal Kontos at 248-799-0313.

Recent Epsilon Data Breach Prompts Concern

4/4/2011

Posted on 4/4/2011 by

BBB Advice for Online Security

Southfield, MI – April 4, 2011 – Recently over the weekend, Citigroup, Inc., Walgreens, TiVo, Inc., Capital One Financial, Best Buy, Chase Bank and other large U.S. companies have become victims of data breaches after a computer hacker hacked into the client customer files of online marketer Epsilon. Information obtained by the hacker included customer names and e-mails but did not include any financial or other sensitive information.

“Even the most vigilant and fraud-conscious consumers can become victims of identity theft due to a data breach at a corporation”, said Patrick Bennett, Director of Community Relations with your Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “In the case of recent data breach at Epsilon, it appears that no personal, financial or medical information was compromised—only names and email addresses - however, consumer trust in these companies will likely be shaken.”

To protect yourself from identity theft, the BBB provides this advice for online security:

Develop good habits for creating passwords - A strong password is long and has letters, punctuation, symbols, and numbers. A variety of characters makes the password better. When possible use 14 characters or more. Never use the word “password” or personal information such as your name, birthdate, driver’s license, social security number or similar information. Also, avoid sequences or repeated characters and test your password with a password checker to evaluate the strength of your password automatically.

Protect your password from prying eyes – Never provide your password in an email or in response to an email request. Do not type passwords on computers you do not control. Do not reveal your passwords to others. Do not store passwords in a file on your computer. Keep a record of your passwords in a safe secure place. Use different passwords for different websites and services.

Avoid Phishing e-mails – Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Do not respond to requests for financial information pretending to be from Best Buy, Walgreens or other companies. Legitimate businesses do not request personal or financial information by email. Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

Small business owners looking for advice on preventing data breaches are encouraged to check out BBB’s Data Security – Made Simpler for free guidance at www.bbb.org/data-security.

For more information or to schedule an interview, contact Patrick Bennett at 248-799-0326 or pbennett@easternmichiganbbb.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Warns the Grandparent Scam is back

4/1/2011

Posted on 4/1/2011 by

Con Artists Target Senior Citizens Posing as a Distressed Loved-One

Better Business Bureau of Eastern Michigan and the Upper Peninsula is warning consumers to be on the lookout for a resurgence of the “grandparent scam,” which is again targeting victims in Michigan.

According to the Michigan Attorney General’s Office, in one instance, Michigan, grandparents were taken for $33,000. They wire transferred $3,000 to someone they thought was their grandson after he called and claimed he was caught fishing without a license in Canada and needed to pay a $3,000 fine. They were taken for an additional $30,000 after the supposed grandson called again to say that alcohol and drugs were found when his boat was searched, and he needed $30,000 to post bond to get out of a Canadian jail.

“Once you send money to Canada, there’s no hope of getting it back,” said Patrick Bennett, BBB Director of Community Relations. “A good rule of thumb is to never wire money out of the country unless you initiated contact with that relative or friend and you know for a fact they are where they say they are.”

Another variation of this scam involves two scammers – the first scammer calls and poses as a grandchild under arrest. The second scammer, posing as some type of law enforcement officer, then gets on the phone with the grandparent and explains what fines need to be paid. Alternatively, the scammer may pretend to be a family friend or neighbor. A common theme of the scam across the nation is the caller's request for the grandparent to wire money through Western Union or MoneyGram or to provide bank account routing numbers. Wire transfers of money are nearly impossible to trace and typically cannot be recovered from the telephone con artists.

BBB offers the following tips to protect against this scam:

· Don’t fill in the blanks for the caller: In other words, the scammer may ask leading questions like: “Hello grandma; do you know who this is?” Do not provide the name they are seeking.

· Ask a lot of questions that have answers only your family should know like: “What’s your daughter’s name?” or “How old were you when…? “You’ll learn quickly enough if it’s a con artist”, says Bennett.

· Do whatever is necessary to confirm your relative’s whereabouts. Get off the phone and call your grandchild’s home, school or work to verify what you’ve been told.

· Don’t wire money. If a caller asks for your bank account number or urges you to wire money for any reason, it’s likely a scam. Cons prefer wire transfers because they are fast, and funds can be picked up easily and just about anywhere.

If you are a victim of this scam file a complaint with the Federal Trade Commission, 877-382-4357, the Michigan Attorney General’s Consumer Protection Division, 877-765-8388 or contact your BBB at (248)223-9400 for more information.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. For more information, visit www.easternmichiganbbb.org.

Don’t Let Your Wallet Run to Empty on Phony Gas-Saving Devices

4/1/2011

Posted on 4/1/2011 by

BBB Warns Rising Fuel Costs Make Way for Deceptive Advertisements

Southfield, MI – The average price for a gallon of gasoline has risen to $3.58 statewide, up from an average of $3.26 per gallon just one month ago. As prices continue to climb, Better Business Bureau (BBB) reports some businesses may be taking the opportunity to make money off consumers by selling “fuel boosting” products and additives to help conserve gas. However, BBB advises consumers to be cautious of “gas-saving” products that sound too good to be true.

The Environmental Protection Agency (EPA) has tested more than 100 gas-saving devices to determine whether their use will result in any significant improvement to fuel economy. Even though a few products were found to save a small amount of gas, the EPA has not identified a single product that significantly improves fuel economy. Additionally, several of the products tested were shown to cause an increase exhaust emissions.

“The only devices that I have seen work are cold air intakes that can increase fuel economy modestly but normally they are sold to increase power”, said Michael Evans, Executive Vice President of Atlas Oil in Taylor, Michigan.

Currently, ads boasting “Instant Mileage Gains up to 35%” and “Gain up to 6+ MPG Now” are popping up in inboxes and on many search engine results pages. While phishing attempts can be common with this type of promotion, BBB reports most websites linked to the ads have not presented major concerns for phishing. However, these advertisements are filled with questionable statements that may entice consumers to purchase a product over $100 that will not decrease gas consumption.

BBB advises consumers to educate themselves on how to identify the following red flags of gas-saving device advertisements:

1. Federal Endorsement. While the EPA does evaluate the legitimacy of claims made by companies that produce gas-savers, no federal agency endorses gas-saving devices or additives.

2. Glowing Consumer Testimonials. Marketing materials or websites for gas-savers often contain consumer testimony on the increased fuel efficiency they experienced with the product. Often these are made up by the company and the same testimonial can be found on several different websites.

3. Too Good to be True Results. If a product could increase gas mileage by as much as 40 percent with little effort or money, it is highly unlikely the inventor needs to promote their product through spam e-mails or questionable websites.

Even though most gas-saving products are not practical solutions for getting the most out of your vehicle, BBB offers the following tips for consumers to increase fuel efficiency in normal driving conditions:

· Stay Within the Speed Limit. Gas mileage tends to decrease rapidly at speeds above 60 miles per hour, or during periods of sustained acceleration.

· Avoid Jerky Starts and Stops. Drivers can improve their gas mileage by reducing the frequency of sudden starts and stops. This means accelerating slowly when starting from a dead stop and leaving plenty of space to coast while slowing down instead of having to brake hard to slow down and punch the accelerator to get back up to speed.

· Considering Driving With the Windows Down in the City. Using the air conditioner can decrease fuel efficiency. With mild spring temperatures arriving, consider driving with the windows down to increase the time between trips to the gas pump. “Windows down are fine for city driving but have shown that the drag/resistance at highway speeds can actually cut fuel economy versus the use of heat/ac.”, added Evans.

· Keep Up With Basic Scheduled Maintenance. This includes making sure the tires are properly inflated and the oil and air filters are changed on schedule. Consult your owner’s manual for the recommended frequency this should be done.

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

In addition, Atlas Oil recommends to make sure to run the correct octane for your vehicle based on the manufacturer recommendation. Also, having the heat on does not impact the fuel but having defrost on does as it runs the a/c motor which adds drag to the engine.

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

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

About Atlas Oil
Atlas Oil Company is a premier national distributor of petroleum products and related services with offices in Michigan, Indiana, Ohio and Texas. .

Teens from Fenton High School Take Michigan State LifeSmarts Title

3/28/2011

Posted on 3/28/2011 by

Champs to Travel to Los Angeles to Compete in National Event

Southfield, MI – March 25, 2011— Fenton High School captured the Michigan State LifeSmarts Championship by successfully fielding questions about real‐life marketplace issues at Oakland University on Friday, March 25, 2011. LifeSmarts, a consumer education competition that challenges teens in grades 9‐12 with questions about personal finance, health and safety, the environment, technology, and consumer rights and responsibilities, is a program of the National Consumers League.

In Michigan, the LifeSmarts program is sponsored by Better Business Bureau Serving Eastern Michigan (BBB). Through the efforts of Crystal Kontos of the BBB and the Michigan’s LifeSmarts state coordinator, teens from across Michigan, first competed online for a chance to go to the in‐person state finals held March 25^th. Fenton High School’s 5 man team earned the opportunity to attend the national LifeSmarts competition to be held in Los Angeles, CA April 30 – May 4, 2011.

“LifeSmarts participants in Michigan have gained many of the consumer ‘smarts’ they’ll need to make it in the real world,” said Ms. Kontos. “Their dedication to learning to be “life smart” has earned them a wonderful opportunity to meet other high school students from across the country and test their knowledge. We’re proud to have Fenton High School represent us at the 2011 National LifeSmarts Championship in Los Angeles. ”

Other teams that participated in the competition this year included: Freeland High School and Iron Mountain High School.

“LifeSmarts participants win by learning to avoid common consumer pitfalls, navigate the government, and understand credit card jargon before they have to sign on the dotted line,” said Sally Greenberg, Executive Director of the National Consumers League.

Follow Team Fenton in Hollywood on:

About LifeSmarts
LifeSmarts is a program of the National Consumers League. State coordinators implement the program locally. For more information, visit: www.lifesmarts.org, email lifesmarts@nclnet.org, or call the National Consumers League’s communications department at 202‐835‐3323. The National Consumers League, founded in 1899, is America’s pioneer consumer organization. NCL’s mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. NCL is a private, nonprofit membership organization. For more information about NCL, visit www.nclnet.org or email media@nclnet.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. For more information, visit www.easternmichiganbbb.org.

Complaints to Better Business Bureau up Ten Percent Nationwide

3/28/2011

Posted on 3/28/2011 by

Cable/satellite TV, cell phone industry and new car auto dealers top the list for most complained about industries

Southfield, MI – March 25, 2011 – According to an annual report released today by Better Business Bureau, consumers filed 1.1 million complaints against North American businesses in 2010, reflecting a ten percent increase over the previous year. Consumers also turned to the non-profit more than 87 million times for help researching businesses across North America, a whopping 37 percent more than in 2009.

“The 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 Melanie Duquesnel, President and CEO of the Better Business Bureaus Serving Eastern Michigan and the Upper Peninsula.

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 Ms. Duquesnel.

The report also reveals that the 3 million BBB Business Reviews are increasingly popular as a free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating and complaint history—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

“The services and tools that BBB supplies free of charge at bbb.org are now of more value than ever before to consumers,” added Ms. Duquesnel. “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 Complaints 2
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phones Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers-New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

1 Complaint rank is out 4,483 industries categories

2 Average resolution rate across all industries for 2010 was 78 percent

For a complete industry breakdown of all complaints filed with the BBB in 2010 go to www.us.bbb.org/statistics. To learn more about BBB dispute resolution services and BBB Business Reviews, contact Patrick Bennett at 248-799-0326 or pbennett@easternmichiganbbb.org.

About BBB

BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Business Reviews and charity BBB Wise Giving Reports^TM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than three million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

FTC Warns Consumers about Scam Artists’ Pitch for Potassium Iodide Treatment

3/22/2011

Posted on 3/22/2011 by

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Recent reports of events in Japan are causing scam artists to try to convince consumers that they need potassium iodide pills and drops to protect themselves. Potassium iodide, or KI, can help prevent thyroid cancer, which is one of the biggest risks from contamination with radioactive iodine. However, public health experts agree that U.S. residents should not buy or take potassium iodide unless specifically notified or instructed by public health officials.

The Federal Trade Commission, the nation’s consumer protection agency, cautions that fraudsters follow the headlines, tailoring their offers to prey on current consumer fears and vulnerabilities. The FTC, the Centers for Disease Control and Prevention, and the Food and Drug Administration, urge consumers to:

Consult their doctors before they buy: Some people are allergic to iodine and shouldn't take potassium iodide. (A seafood or shellfish allergy doesn't necessarily mean that you are allergic to iodine.) If you are unsure about this, consult your doctor. People with certain skin conditions (for example, dermatitis herpetiformis or hypocomplementemic vasculitis), as well as people with nodular thyroid with heart disease, should not take KI.

Understand that taking potassium iodide cannot:

prevent radioactive iodine from entering the body. It can protect the thyroid, but not other parts of the body, from radioactive iodine.
reverse the health effects caused by radioactive iodine once damage to the thyroid has occurred.
protect the body from radioactive elements other than radioactive iodine. If radioactive iodine is not present, taking potassium iodide will not help.

If you decide to buy potassium iodide, buy it only from a reputable source. Iosat, ThyroSafe, and ThyroShield are the only potassium iodide products that are FDA-approved and can be legally marketed and sold in the United States.
For more information on these products, contact:

Anbex, Inc. for Iosat Tablets (130 mg) at 212-580-2810 (M-F 9am-5pm EST), at 1-866-463-6754 (other times), or www.anbex.com
ThyroSafe Tablets (65 mg) at 1-866-849-7672 or http://www.thyrosafe.com/recip.html
Fleming & Company, Pharmaceuticals for ThyroShield Solution at 636-343-8200 or http://www.flemingcompany.com or http://www.thyroshield.com

Follow dosing instructions carefully. More is not better: Taking a higher dose of potassium iodide – or taking it more often than recommended – doesn’t offer any additional protection; in fact, it can cause severe illness – even death.

For More Information from the Federal Government:

Centers for Disease Control and Prevention Radiation Emergencies
- Potassium Iodide
- Frequently Asked Questions About a Radiation Emergency
Food and Drug Administration (FDA)
- Frequently Asked Questions on Potassium Iodide
- Radiation Emergencies

U.S. Department of Agriculture, Food Safety and Inspection Service (USDA, FSIS)
- For a table of links to each state’s Department of Health page

Better Business Bureau Offers Advice on Finding a Tutor to Match your Child’s Needs

3/16/2011

Posted on 3/16/2011 by

If your child is having a hard time learning to read, needs a hand with their 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 do offer the most tailored approach for helping your child learn. Qualifying families with limited income can receive free tutor sessions for their children as part of the No Child Left Behind Act.

A commercial learning center, such as Sylvan or Huntington, typically costs around $150 per week, paid weekly or monthly. A learning center provides a customized and specialized learning environment for your child. These programs often offer incentives for children of all ages—kindergarten to pre-college—to help make learning more fun and are typically very good about reporting on your child’s progress.

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.

The BBB offers the following advice for finding and working with a tutor:

Check it out. For information on tutoring services or commercial learning centers, start your search at www.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, feel free to sit in now and then and observe how the tutor and your child are working together. Ask the tutor for advice on what you can do as a parent to help your child learn more effectively.

For more trustworthy information on issues affecting your child’s education go to www.bbb.org.

Scammers Preying on the Unemployed

3/16/2011

Posted on 3/16/2011 by
The high unemployment rate nationwide allows a perfect opportunity for scammers to steal personal and credit information. Walletpop reports of an incident in Dayton, Ohio where a scammer sent emails to the unemployed offering a job with a local construction company. This email looked official and it even had the BBB Accredited Business seal on it. Many potential employees had their credit information and personal information stolen by this method.

The BBB warns potential employees to never submit bank information to companies until you've been hired formally and never send personal information by clicking email links. It is important to always check with your local BBB to see that the company you are applying to is a legitimate workplace and not a scam.

To read full article, click here:
http://www.walletpop.com/2011/03/10/scammers-preying-on-unemployed-sending-job-offer-emails/

Ask the Right Questions When Choosing a Summer Camp

3/16/2011

Posted on 3/16/2011 by

While summer camps may put out glossy brochures to convince parents that their camps are the best place for children this summer, there is more to camp than sing-alongs and campfires. The Better Business Bureau (BBB) reminds parents that they should look beyond the sales pitch if they want their children to be safe and well-supervised.

“Many parents are not aware that there is no government oversight of camps. It’s important that they research and visit several camps to find one that best suits their child,” said Patrick Bennett, BBB Director of Community Relations.

While summer camp has always helped children build social skills and self-confidence, today’s programs are diverse and can include teambuilding programs or community service involvement. When choosing a camp for their children, parents should use care and evaluate the programs that each facility offers. They should look for a camp that provides activities that are of interest to their child and appropriate for the child’s age and skill level.

Parents should be guided by their child’s interests and personality when choosing a program. There are many different types of summer camp out there; including specialty camps that meet a child’s specific interests, travel camps for the adventurous children, preschool camps for younger children, special-needs camps for children with disabilities and traditional camps with wide ranges of activities for children.

According to the American Camp Association (ACA), parents rate fun and safety as most important to the camp experience. When considering a camp for their child, parents should ask how long the camp has been in business and check with parents of past and returning students. They can check with the BBB to find out about the camp’s handling of complaints and its trustworthiness.

The BBB offers the following tips for parents:

Visit the camp before making a decision. Check its location and view the living, eating and recreational facilities. Be sure to ask about safety procedures (particularly for water activities, archery and out-of-camp trips).

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

Know the fees. What is the total cost of tuition? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation included? Is financial aid available?

Understand the safety rules. Find out what the rules are and how they are enforced. Ask about the camp’s insurance coverage. Check the condition and safety of the facilities and equipment. Note any dangerous areas, like cliffs, swamps or water zones.

Ask about the medical care. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is on site. Inquire about the procedures for transporting injured or sick children to nearby medical facilities.

Be familiar with the camp philosophy. Know what the camps goals are and how each program offered meets those goals. Are family visits or other communication with campers allowed? How is homesickness handled?

See a typical daily schedule. Note the camp hours, the variety of activities that are planned, the age range of the campers, what type of food is served, the pace of the day and any transportation that is involved.

Get references. Ask parents of repeat campers about their child’s experience and why they recommend the camp. Find out the camper return rate as well as the counselor return rate. Look for camps that are certified by the ACA – their accredited camps have met up to 300 nationally recognized standards.

For more information on an individual camp or to check a BBB Business Review on any business or charity, call 248-223-9400 or visit easternmichiganbbb.org.

BBB Warns Against Sneaky Smishing Scams Targeting Cell Phone Users

3/16/2011

Posted on 3/16/2011 by

A new year means a new scam, this time, targeting cell phone users. Like traditional “phishing,” “smishing” schemers often pose as banks or lottery sweepstakes asking customers to contact them immediately about a pressing issue that needs to be discussed.

Victims of the bank scam are often asked to call a toll-free number and provide information, such as their debit card or account number and password, to a fake automated system. Victims have complained they have received text messages claiming their bank account is frozen with a toll free number to call to clear things up.

“These hackers are looking for you to respond with vital information that can ultimately lead to identity theft,” said Patrick Bennett, Better Business Bureau Spokesperson. “In the cases of the lottery ‘smishing’ scam, hackers want you to wire over money before receiving your ‘prize,’ one of the biggest red flags of a ‘smishing’ scam.”

Text messages such as “Win cash now!” and “Short on cash? Reply here!” are all red flags that a lottery sweepstakes “smishing” scam is in the midst. Many of these messages come with embedded links that can ultimately spread viruses to the phone if clicked.

The Better Business Bureau advises consumers to do the following if they suspect they have fallen victim to a “smishing” scam.

Never reply to the text message. Schemers are preying on victims that text back and ultimately verify that the text has been sent to an active cell phone. If the message has a link in it, never click it. Many schemers use this as way to spread a viral attack on your phone.

Report the text immediately. If you believe you have fallen victim to a “smishing” bank scam, call your bank. They’ll be able to 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.

For more advice from BBB on identity scams, visit bbb.org.

Better Business Bureau Recommends Following the Top Ten Tips from the Internal Revenue Service this Tax Season

3/16/2011

Posted on 3/16/2011 by

With April 18thfast approaching, it’s time to start the tax filing process that we all know and love. This tax season, if you are planning to get assistance from a tax preparer or even if you’re planning to do the leg work yourself, Better Business Bureau, along with the Internal Revenue Service recommend following these top ten tax filing tips.

1. Start gathering your records: Round up any documents or forms you’ll need when filing your taxes: receipts, canceled checks and other documents that support income or deductions you’re claiming on your return.

2. Be on the lookout: W-2s and 1099s should have arrived by now and you’ll need these to file your tax return.

3. Use Free File: Let Free File do the hard work for you with brand-name tax software or online fillable forms. Everyone can find an option to prepare their tax return and e-file it for free. If you made $58,000 or less, you qualify for free tax software that is offered through a private-public partnership with manufacturers. If you made more or are comfortable preparing your own tax return, there's Free File Fillable Forms, the electronic versions of IRS paper forms.

4. Try IRS e-file: After 21 years, IRS e-file has become the safe, easy and most common way to file a tax return. According to the IRS, 70 percent of taxpayers used IRS e-file. Starting in 2011, many tax preparers will be required to use e-file and will explain your filing options to you. This is your chance to give it a try. IRS e-file is approaching 1 billion returns processed safely and securely. If you owe taxes, you have payment options to file immediately and pay by the tax deadline. Best of all, combine e-file with direct deposit and you get your refund in as few as 10 days.

5. Consider other filing options: There are many different options for filing your tax return. You can prepare it yourself or go to a tax preparer. You may be eligible for free face-to-face help at an IRS office or volunteer site. Give yourself time to weigh all the different options and find the one that best suits your needs.

6. 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.

7. 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.

8. Remember the number 17: Check out IRS Publication 17. It’s a comprehensive collection of information for taxpayers highlighting everything you’ll need to know when filing your return.

9. Review! Review! Review! Don’t rush. Be sure to double-check all the Social Security Numbers and math calculations on your return as these are the most common errors made by taxpayers.

10. Don’t panic! If you run into a problem, remember the IRS is here to help. Try www.irs.gov or call toll-free at 800-829-1040.

Remember, when seeking the assistance of a tax preparer, always get referrals from friends and family on who they use and check the BBB Business Review on tax preparation services at www.bbb.org.

For more advice on finding professionals you can trust and for filing your taxes accurately, visit www.bbb.org and www.irs.gov.

Donor Alert: Giving to Pacific Tsunami and Japanese Earthquake Victims

3/11/2011

Posted on 3/11/2011 by

Not All Charities are Equipped to Help and Some Might be Fraudulent, Warns BBB

Southfield, MI – March 11, 2011 - As immediate relief needs are assessed in the wake of the devastating earthquake in Japan today, many Americans are looking for ways to help by donating to a charity. The Better Business Bureau warns that—as occurred following the Haiti Earthquake in January 2010 and Katrina in 2005—fraudulent charities will likely emerge to try and scam donations from well-meaning Americans.

“In the face of any disaster, Americans will immediately step forward with donations to aid the victims and their families. Unfortunately, poorly run and fraudulent charities will try to take advantage of the generosity of the public during a time of need,” said Patrick Bennett, Director of Community Relations for the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Donors should be concerned about fraud and legitimacy. That is why it’s so important to take your time and do your research before donating to relief efforts.”

Your local BBB offers the following advice to help Americans decide where to direct donations:

Rely on expert opinion when it comes to evaluating a charity.
Be cautious when relying on third-party recommendations such as bloggers or other websites, as they might not have fully researched the listed relief organizations. The public can go to www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Be wary of claims that 100 percent of donations will assist relief victims.
Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims 100 percent of collected funds will be assisting earthquake victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Be cautious when giving online.
Be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the tsunami disaster in 2004, there were many websites and new organizations that were created overnight to “allegedly” help victims.

Find out if the charity has an on-the-ground presence in the impacted areas.
Unless the charity already has staff in the effected areas, it may be difficult to get new aid workers to quickly provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.

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

Gifts of clothing, food or other in-kind donations.
In-kind drives for food and clothing—while well intentioned— may not necessarily be the quickest way to help those in need - unless the organization has the staff and infrastructure to be able to properly distribute such aid. Ask the charity about their transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

Additional advice:

Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Ask for written information about the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.
Ask what the charity intends to do with any excess contributions remaining once they’ve fully funded the disaster relief activities mentioned in solicitations.
Don’t give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.
Beware fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.
Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.
Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.
Don’t give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.
Make sure your contribution is tax deductible: donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on the IRS’ website for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

Will That Be Plastic or Plastic?

3/10/2011

Posted on 3/10/2011 by

Celebrating National Consumer Protection Week your Better Business Bureau offers the following information to consumers about differences between credit and debit cards:

Do you realize which card carries the most risk? A stolen credit card or a stolen debit card? Without a doubt a stolen debit card carries more risk.

Federal law says that you can only be held liable for $50 of fraudulent charges on your credit card. Many banks will waive that charge.

According to www.federalreserve.gov if your debit card is stolen your loss is limited to $50 --- but you have to tell the financial institution within two days after learning of the loss or theft of your card. If not, you could be held liable for $500.

There’s more. If you let the unauthorized transaction go unreported more than 60 days after it appears on your statement, you are liable for all the charges! However, if you check your bank account transactions online at least once a week, you will know what is going on with your account.

There’s an even bigger problem with the debit card. The thief can clear out your entire bank account by using your PIN at an ATM. This leaves you with no money to pay your bills. Granted, the bank could cover most of your losses and return money to your account, but that will take time to do the necessary investigation.

Also, because the money for your transaction with a debit card is taken at the point of purchase, you could possibly run your balance too low and end up with an expensive overdraft charge.

Some people argue that it is better to use a credit card because you are using someone else’s money until the statement is due. So, if you are charging at the beginning of the billing cycle you have a month to use someone else’s money.

By using a debit card for those small dollar transactions, you don’t have to carry as much cash, plus you won’t have a bunch of small transactions on your credit card to check at statement time. Besides, many times businesses don’t like you to make charges for a small purchase.

Wedding Nightmares Can Be Prevented If You Check Vendors Out With The BBB First

3/9/2011

Posted on 3/9/2011 by

Southfield, MI – March 9, 2011 – Your Better Business Bureau (BBB) is available to help protect Brides who spend months and thousands of dollars planning for that perfect wedding. In order to avoid disappointment, Brides should read contracts carefully and check vendors out with the BBB.

“We receive complaints regularly about wedding misadventures, from the brides dress being ruined by a dirty limo to not receiving photos of that special day,” said Patrick Bennett, BBB Director of Community Relations. “It’s important to carefully plan and screen vendors in order to avoid these mishaps.”

Unfortunately, complaints about bridal vendors are all too common. Last year, more than 300 complaints were filed with the BBB about bridal shops, wedding photographers, wedding planners and other suppliers. That doesn’t count the 108 complaints about disc jockeys, banquet facilities and transportation companies.

Beware of one-day specials, discounts for advance payment and hidden costs as you meet potential vendors. Read contracts and ask questions before you sign anything. Be wary of vendors that ask you to pay most of the fees in advance. Ask about refund policies on deposits or prepayments.

Some common problems that brides 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 web site, 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 before, and the substitute doesn’t take the shots you had 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. Customers of two photography companies in Missouri and Illinois had to wait a year or more for pictures. While customers of a company in Michigan 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 stuff that may be overpriced, of poor quality or that adds needlessly to the total bill.

For more information or a report on an individual business, go to www.bbb.org or call 248-223-9400.

Need Home Repairs After The Storm? Check BBB First

3/8/2011

Posted on 3/8/2011 by

Southfield, MI – March 8, 2011 – Severe weather can cause damage that prompts homeowners to seek repairs in a hurry. The Better Business Bureau (BBB) advises consumers to take a deep breath and check contractors out before signing a contract.

“When homeowners need repairs due to storm damage, they often consider it an emergency that must be fixed immediately,” said Patrick Bennett, BBB Director of Community Relations. “However, a quick decision may cause regrets. Consumers need to make sure that the contractors they hire are qualified and reliable before they sign a contract or pay any money.”

The BBB recommends that consumers ask contractors for local references and check with those customers to see whether they were satisfied with the work. If possible, inspect completed projects as well. If customers are pleased with the jobs, they’ll probably be proud to show off the results.

Consumers can check contractors’ Reliability Reports on the BBB website, www.bbb.org. The reports give a letter grade from A+ down to F that indicates a company’s performance on 16 weighted factors, including its response to any complaints. The reports also give general information, such as the company’s phone number, length of time in business and owner’s name.

On the Eastern Michigan and Upper Peninsula’s BBB’s website, easternmichigan.bbb.org, our “Request a Quote” feature can connect you with contractors that are BBB Accredited Businesses. These businesses have pledged to comply with BBB standards, such as advertising honestly, honoring promises and responding to customer complaints.

When you click on the “Request a Quote” button, you can select the type of business you are searching for and narrow your search to businesses within a specified distance from your home. (You can click on any business name to get a Reliability Report.) At that point, you may either contact the businesses directly or ask them to contact you. “Request a Quote” has a contact form that allows you to describe your project and ask contractors to contact you about it in the way you want to be contacted – by phone, e-mail, mail or fax.

The BBB has the following tips for hiring contractors:

Be cautious of door-to-door salespeople who use high-pressure sales tactics.
Seek at least three bids from prospective contractors based on the same specifications, materials and labor needed to complete the project. Homeowners should discuss bids in detail with each contractor and ask questions about variations in pricing. The lowest-priced contractor may not be the best.
Consumers should ask whether the company is insured against claims covering workers’ compensation, property damage and personal liability in case of accidents. Consumers should obtain the name of the insurance carrier and call to verify coverage.
Ask whether the contractor meets licensing and bonding requirements set by the state, county or city.
Check with local authorities to find out whether permits are needed before proceeding with the work. The contractor also should be aware of any required permits.
Ask whether the contractor will provide a lien waiver upon completion of the job. A lien waiver is a statement by the contractor that all suppliers and subcontractors have been paid for their work.
Read and understand the contract before signing. Get any verbal promises in writing. Include start and completion dates in the contract.
Remember the rule of thirds. Pay one third at the start of the project, one third when work is 50 percent completed and one third after completion.

For more information to help you make smart, informed decisions about projects around your home, check with the BBB by going online to www.bbb.org or by calling 248-223-9400.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

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

3/7/2011

Posted on 3/7/2011 by

Southfield, MI – March 7, 2011 – Everyone loves a good movie and with today’s movie theater tickets costing more than ten bucks a pop (and that’s not even including the “pop”), many movie goers are opting to watch their favorite movies at home for free instead. “Free,” however, comes with a cost, a cost that many consumers don’t realize. The Better Business Bureau warns consumers against downloading “free” online movies.

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

“Consumers need to know the consequences of using such sites,” said Patrick Bennett, BBB Director of Community Relations “It is ultimately their responsibility to ensure that the files they are downloading and sharing are legal copies.”

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

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

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

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

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

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

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

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

How Unsuspecting Homeowners Get Scammed

3/7/2011

Posted on 3/7/2011 by

How Unsuspecting Homeowners Get Scammed

Your Better Business Bureau wants you to be informed and protected against loan modification scammers with this information provided by Marietta Rodriguez, National Director of Homeownership and Lending, NeighborWorks America:

Are you more likely to use a service recommended by a friend? Loan modification scammers bet you are. Word-of-mouth from friends or family is one way they connect with unsuspecting homeowners. If you’re a homeowner in the market for a loan modification, here are six signs you may be dealing with a scam artist:

1. A company/person asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage.

2. A company/person guarantees they can stop a foreclosure on your home or facilitate a loan modification.

3. A company/person advises you to stop paying your mortgage company and pay them instead.

4. A company pressures you to sign over the deed to your home or sign any paperwork that you haven’t had a chance to read, and you don’t fully understand.

5. A company claims to offer “government-approved” or “official government” loan modifications.

6. A company/person you don’t know asks you to release personal financial information online or over the phone.

So who’s there working on your behalf? If you need a loan modification, seek help from: 1) your lender and 2) a HUD-approved counseling agency. Both provide free assistance to homeowners in all income ranges. Now there’s a tip you can pass on to your friends!

For answers to homeowners’ top questions, watch these videos. And if you’re in need of help, call 888-995-HOPE (4673) or visit http://www.LoanScamAlert.org.

Additional information can be found at www.foreclosuredetroit.org, www.fightmortgageforeclosurefinsc.com/, or www.greenpath.com/.

BBB Gears Up for 13th Annual National Consumer Protection Week

2/24/2011

Posted on 2/24/2011 by

Southfield, MI – February 22, 2011 – Better Business Bureau is joining federal, state, and local government agencies and national organizations to celebrate the 13th annual National Consumer Protection Week (NCPW) coming March 6-12, 2011. During NCPW, groups nationwide share tips and information that help consumers protect their privacy, manage money, avoid identity theft, and avoid frauds and scams. This year, your Better Business Bureau Serving Eastern Michigan and the Upper Peninsula will provide daily Consumer Tips throughout the week and recommends five easy steps you can take to become a savvy consumer.

“In a tough economy, it’s more important than ever to protect the money you have from scammers and bad businesses,” said Patrick Bennett, BBB Spokesperson. “A few simple steps will go a long way to fighting off the common cons and rip-offs that steals millions from unsuspecting consumers every year.”

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

Get everything in writing and always read the fine print.

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

Protect your identity—and your pocketbook.

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

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

Never wire money to someone you don’t know.

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

Know where to complain.

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

Your Better Business Bureau at www.bbb.org/us/file-complaint,
Federal Trade Commission at www.ftc.gov, and
Michigan Attorney General

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

Always check businesses out with BBB.

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

For more advice on managing your money and avoiding scams, visit http://easternmichigan.bbb.org/Consumer-Tips/.

For more information about National Consumer Protection Week, go to www.ncpw.gov . You can also read, view, download and order multiple copies of educational materials provided by nearly 30 organizations, check out a calendar of events nationwide, and find out how you can host an event. The website’s blog features posts from consumer experts nationwide, and allows consumers to connect directly with them about a variety of consumer protection resources.

A full list of the agencies involved in NCPW can be found here.

Traveling Soon? Do it Scam Free

2/17/2011

Posted on 2/17/2011 by

You are not alone.

We are all tired of winter and want to go to some place warm for a week or more. Before you pay any money for your get-away, make sure you aren’t being scammed.

Check out some of the top signs of a possible travel scam by Mark Kahler at budgettravel.about.com/od/planningtoolsstrategies/tp/ten_scam.htm.

Advance payment is required without written contract. Make sure you have a contract that states the product(s) you are paying for.
Transactions by courier service rather than the post office. To avoid mail fraud statutes, some con artists will stay away from the post office.
Transaction can only be carried out by telephone. Hard to get a contract this way. Ask them why they are using just the telephone. You’ll probably get an evasive answer.
Offer is for a limited time only. True, you can get airline tickets for a limited time only. But, if they are saying pay now for a trip 60 days out, be suspicious. Sixty days is the time limit for disputing credit card charges at many banks.
A price far below market value. Why are you getting such a great deal on a trip they won’t make any money on? Won’t happen. Are there other charges they will add on? Will you be a target for a high-pressure sales pitch?

6. Offers to make you a “travel agent.” Some of the offers send you course materials. Others require a fee for “certification.” Both are a waste of money.

7. Hotel names, airlines or other vendors not disclosed in writing. That’s okay if you are using online companies such as Priceline and Hotwire as a vendor. Otherwise, do not do business with the “company” if they won’t disclose the name of the vendor you will be paying for.

8. Frequent use of words such as “complimentary” and “free.” What is the string attached? Find out, because there is one.

Don’t waste time and money because you didn’t take time to do your homework. Know what you are paying for. Have fun in the sun!

U.S. Food and Drug Administration Issues Public Warning of Continued Extortion Scam

2/10/2011

Posted on 2/10/2011 by

The FDA warned the public last month about an ongoing extortion scam run by FDA impersonators. Consumers should continue to be on the lookout for the scam as it continues to thrive.

The scammers call the victims and state they are FDA special agents or law enforcement officials. (In a lot of cases, the victims have previously purchased drugs over the phone or the Internet.) The scammers tell the victims that buying drugs over the phone or internet is illegal and that lawful actions will be taken against the victim unless they pay a “fine.” The “fines” range from $100-$250,000 and must be paid via wire transfer. If the victim does not agree to pay the fine, they are threatened with arrest, property searches, or physical harm.

The scammers not only illegally impersonate the FDA, but they also continually change the phone number they call from in order to appear as though they are here in the United States.

Some arrests have been made against these criminals; however the scam continues to happen year after year.

Consumers who may be a victim of this scam can contact the FDA’s Office of Criminal Investigations and click, “Report Suspected Criminal Activity.”

Look for Love in the Right Places

2/10/2011

Posted on 2/10/2011 by

Thousands of Complaints Filed about Dating Services Last Year

Southfield, MI – As a $4 billion industry worldwide, industry experts estimate that the online dating industry drives more than 20 million people to visit an online dating site every month. For consumers planning to use dating services this month for Valentine’s Day or beyond, BBB advises that thorough research in advance can reduce the amount of complaints generated in the industry this year and possibly land you your cupid this Valentine’s Day.

In the last twelve months, BBB received over 2,700 complaints from consumers nationwide against dating services, which include online businesses and face-to-face matchmaking services. The complaints filed relate to dissatisfaction with the quantity of date matches, incompatibility with resulting matches or high pressure sales tactics used by sales representatives. BBB also processed complaints alleging automatic renewal of dating service contracts and the inability to cancel when unsatisfied with the program.

The number of complaints filed for dating services has been on a steady rise since 2008. As a result of the high number of complaints many consumers have had to endure a broken heart for the money they have lost and not to mention for the loved one that they never found. BBB encourages consumers to be careful with dating services given the steady influx of complaints.

To help those interested in using a dating service this Valentine’s Day or otherwise, BBB offers the following tips to consider before signing up:

· Research in Advance: Review the company history and its reputation with customers on www.bbb.org. Also, look for a "Frequently Asked Questions (FAQ)" section of the website or marketing brochure to be sure you feel comfortable with all of the program components.

· Be Sure the Company Puts Safety First: Be sure that the company’s website is secure for payment by checking in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. Also, review the company's privacy policy to confirm that payment information will be kept confidential.

· Read the Fine Print: Look out specifically for free trial offers and negative options. Many online services offer free trials to help consumers determine if their format works, but there should not be an upfront fee to activate the free trial. Also, make sure there is not a negative option in place which would opt consumers into automatic monthly billings after the free trial, if they do not cancel in time.

· Understand the Payment Plan: Online dating services often require a specific length of membership and charge a monthly fee, so it’s very important to request detailed information about the fee structure in advance. Some dating services charge a flat rate while others may offer itemized pricing that requires additional payments for access to certain services.

· Review Contract Cancellation Policies: Be sure to confirm what steps are necessary to cancel your membership if you are dissatisfied with the company's services. Also, double-check whether or not your contract will automatically renew when the original time period is over and make plans to decline the renewal on time if you so choose.

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

Social Security and Your Facebook Page

2/8/2011

Posted on 2/8/2011 by

How can your Facebook page contribute to someone stealing your identity via your social security number? Studies show that computer programs can successfully guess 8.5% of the social security numbers of people born since 1989. This is done by using information from your social networking sites and other public sites.

Unfortunately, social security numbers are not random. The first three digits are part of the zip code where you received your social security number. So, putting your hometown on Facebook is a generous tip to con artists wanting to steal your identity. The next two digits are determined by where and when you applied for your social security number. The last four digits are supposed to be random but tend to be in sequential order. That means if you give your birthday online, you have given the con artists another tip.

The good news is starting this year all nine digits will be more random. The bad news is you cannot change your social security number. You need to do all that you can to protect the one you have and your identity in general.

Tips to do just that:

Don’t carry your social security card nor have the number printed on your driver’s license or checks.
Don’t carry your birth certificate, passport or extra credit cards, except when necessary.
Shield the screen or keypad when entering your personal identification number (PIN) at an ATM or public telephone.
Don’t use common words or anything else that would be easily discovered when creating passwords and personal identification numbers.
Opt out of pre-approved credit offerings.
Cancel all unused credit card accounts and keep a list of your credit card account numbers, issuers and customer service telephone numbers.
Follow up with creditors if your bills don’t arrive on time to be sure an identity thief hasn’t taken over your account and changed the billing address.
Review your bills and statements for unauthorized use.
Tear and shred all items with your personal information on it.
Don’t leave mail in your mailbox overnight.
Check your credit report annually.

The interesting information about the digits of your social security number can be found at http://whoknew.news.yahoo.com/?nc&vid=23751722.

Promote Your Company’s Greener Side

2/7/2011

Posted on 2/7/2011 by

Promote Your Company’s Greener Side

Not only can going green save your company money, it can have a positive impact on how your customers perceive your products and services. If you’re looking to get a reputational boost from your dedication to the environment, the Better Business Bureau recommends sticking to the truth and not exaggerating your company’s impact.

There are many different shades and hues when it comes to being a green company. Some businesses strive to manufacture products that are better for the environment, while others take steps to be greener in daily operations, through measures such as recycling, using carbon offsets and taking steps to save energy.

“Going green can save your company money, especially if you take steps to conserve energy,” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “But it can also make your company money as consumers are increasingly looking for products and services that won’t be as harmful to the environment.”

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 eco-friendly 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 claim. If your packaging is made from recycled paper, then say so. If your company has reduced energy costs, brag about it! Making fuzzy claims, however, 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, there are independent third-party organizations that will certify your environmentally-friendly statements. Research any third-party carefully before seeking certification through their program. Avoid making claims about certification or seals that might be considered exaggerated or overly-broad.

Get expert help. As a result of the green-frenzy that has taken over the country, many new boutique marketing and advertising firms are now specializing 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 http://detroit.bbb.org/Business-Resources/ .

Keep Your Kids Safe Online

2/7/2011

Posted on 2/7/2011 by

Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.

You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.

You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

To raise awareness of children’s online safety, CARU has created a series of TV PSAs that are airing nationwide and are also available online. Blogs, television and radio stations interested in spreading the word about online safety can contact Wayne Keeley at wkeekey@caru.bbb.org to learn more about airing these PSAs.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner: http://www.caru.org/program/parentscorner.aspx

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

2/7/2011

Posted on 2/7/2011 by

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

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

Get everything in writing and always read the fine print.

Protect your identity—and your pocketbook.

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

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

Never wire money to someone you don’t know.

Know where to complain.

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

Your Better Business Bureau at www.bbb.org/us/file-complaint,
Federal Trade Commission at www.ftc.gov, and
Michigan Attorney General

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

Always check businesses out with BBB.

For more advice on managing your money and avoiding scams, visit http://easternmichigan.bbb.org/Consumer-Tips/.

Install the New BBB Dynamic Seal on Your Website!

2/7/2011

Posted on 2/7/2011 by

Due to widespread demand from Accredited Businesses, BBB is launching a new dynamic seal for Accredited Businesses’ websites! This program is available to all BBB Accredited Businesses with websites that have been reviewed and meet BBB Accreditation Standards.

BBB Dynamic Seal Features

· A direct hyperlink to your company’s BBB Business Review.

· New customization options that allow you to choose layout, size and display.

· The option to include your BBB rating and/or the text “Click for Review”.

To Install the New Seal on Your Website

1. Go to Memeber Login

2. Enter your company Business ID number, registered e-mail and password.

3. Select BBBOnline Seal Code in the left rail to use the new BBB seal options and follow the simple process for seal installation.

The old seal will be phased out so it’s important that you add the new seal to your site.

Having Trouble?

If you receive an error message regarding an invalid login or cannot view the BBB Dynamic Seal instruction page:

· Verify your login information – access requires a registered email address.

· Login passwords are case-sensitive.

· BBBOnline seal code is not displayed if your business’ website was not submitted for review and approval in the past.

To request website review or to register for online login access, please contact Crystal Kontos at 248.799.0313 or ckontos@easternmichiganbbb.org.

Don’t Pay for Free Advice on Scholarships for College

2/4/2011

Posted on 2/4/2011 by

Don’t Pay for Free Advice on Scholarships for College

Southfield, MI - February 1, 2011 – Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“Times are tight and many families desperately want to tap into the well of scholarships and grants to help their kids go to college,” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “While some companies are trying to take advantage of struggling families looking for funding, the good news is that all of the information you need is already available for free.”

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged as much as $69 even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

· “The scholarship is guaranteed or your money back.” In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.

· “You cannot get this information anywhere else.” Actually, scholarship information is widely available in books, from libraries and financial aid offices and on the Internet, if you are willing to search for it.

· “We will do all the work.” Only parents and students can really determine and provide the financial information needed to complete the forms.

· “You have been selected by a national foundation to receive a scholarship.” If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.

· “May I have your credit card or bank account number to hold this scholarship?” This is never a requirement for a legitimate scholarship offer.

· “The scholarship will cost some money.” Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit www.fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at http://easternmichigan.bbb.org/Consumer-Tips/.

Five Easy Ways to Get Ripped Off Buying Sports and Concert Tickets

1/28/2011

Posted on 1/28/2011 by

Five Easy Ways to Get Ripped Off Buying Sports and Concert Tickets

Whether you’re trying to snag tickets to the big game or the hottest concert, the Better Business Bureau warns that you run the risk of getting ripped off if you decide to gamble on a less than reputable source.

Fake tickets aren’t just a concern for people who want to go to the Super Bowl; even smaller events can become a target. Counterfeit tickets have been a problem this winter at major events like the BCS Championship game, the NFL playoffs and Kid Rock’s concert at Ford Field. Recently, consumers have even wasted money on fake tickets for smaller events such as UFC fights and others.

“Every season provides an opportunity for scammers to sell counterfeit tickets,” said Patrick Bennett, BBB Spokesperson. “In the winter you have college football and NFL games leading up to the Super Bowl, in the spring the hot tickets are for March Madness and the NHL and NBA playoffs. Then summer hits with big name concerts.”

If you’re looking to get ripped off buying event tickets, BBB recommends:

Don’t believe you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

Do not wire money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

Do your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look. For example, the NFL has offered advice on how to tell if Super Bowl tickets are legit here.

Do not buy from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised. Keep in mind that, in some states, it’s illegal to charge more than the face value for tickets.

Choose a reputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at http://easternmichigan.bbb.org/Find-Business-Reviews/. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit http://easternmichigan.bbb.org/Consumer-Tips/.

BBB Issues Warning to Businesses Regarding Online Job Postings

1/27/2011

Posted on 1/27/2011 by

BBB Issues Warning to Businesses Regarding Online Job Postings

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

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

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

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

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

Tax Refund Anticipation Loans Are Costly, Whether You Get A Check Or A Debit Card

1/27/2011

Posted on 1/27/2011 by

BBB Advice: Tax Refund Anticipation Loans Are Costly, Whether You Get A Check Or A Debit Card

In a hurry to get your refund? Some tax preparers offer tax refund anticipation loans, often marketed as “rapid refunds” in the form of checks or “gift” debit cards.

The Better Business Bureau (BBB) advises consumers to be wary of these costly loans. They deliver refunds only slightly faster than the IRS.

Refund anticipation loans are similar to payday loans: They’re short-term loans with high interest rates that can range from 50 to 500 percent. In some cases, they have hidden administrative fees. If the tax preparer makes a mistake in calculating your refund, borrowers could be required to pay fines and fees, too.

“When their refund arrives, consumers believe that the loans will be paid off. However, if the refund is less than the loan, they will have to pay the difference with additional fees and fines,” said Patrick Bennett, BBB spokesperson.

The IRS usually delivers refunds in as few as 10 days after a consumer files a tax return, if the consumer files the return electronically and takes the refund by direct deposit to a bank account. The speed makes most refund loans unnecessary.

This year, the IRS has another option for refunds if a consumer doesn’t have a bank account: 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, the IRS says, and may allow consumers to avoid check-cashing fees.

The BBB advises consumers to be wary of two common tax-time schemes:

Tax reduction schemes are promoted by companies that claim they can help consumers reduce what they owe the IRS by working on their behalf with the IRS. However, the BBB has taken complaints from consumers who paid thousands of dollars to such companies only to find out that the companies didn’t reduce the amount they owed and, in some cases, had never contacted the IRS.

BBB advice: If you have a debt with the IRS, consult an IRS enrolled agent, a certified public accountant or a tax attorney to determine whether you qualify to file for anything other than paying your taxes, fines and penalties in full.

Phishing e-mails may say that there’s an issue with taxpayers’ refunds, that they are being audited or that a problem is delaying processing of their taxes. Many include a link to a website set up by scammers, where victims are asked for Social Security numbers, bank account or credit card information. Some sites are designed to automatically install viruses or other malicious software on the victims’ computers.

BBB advice: The IRS doesn’t e-mail people about their taxes. The agency typically contacts taxpayers by mail. Tip-offs that an e-mail is fraudulent may include spelling or grammatical mistakes. The BBB advises consumers not to open any attachments or click on links in the e-mails.

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

Ask for referrals from friends, but check the preparer out with the BBB before you hire anyone at www.bbb.org or by calling 248-223-9400.
Check credentials. Is the preparer a certified public accountant (CPA), a tax lawyer or an enrolled agent? Will the preparer sign your return and provide you with a copy? Does the preparer belong to a professional organization that requires members to adhere to a code of ethics?
Be wary of promises. Until the preparer knows your situation, there is no way to know whether you’ll get a refund or how big it will be.
Check accessibility. You may need to contact your preparer after tax season is over. Will he or she be available?
Read the contract. Know what the service will cost, what it covers and whether the cost changes if you have a complicated return. Will the preparer represent you in case of an audit?
Check your return. Before you sign the return, read it over to check for mistakes. Ask the preparer to explain anything you don’t understand.

For more information or to check a company’s Reliability Report, go to the BBB website, www.bbb.org, or call 248-223-9400.

BBB Warns of New E-mail Scam Claiming to be from the FDIC

1/27/2011

Posted on 1/27/2011 by

Southfield, MI – January 27, 2011 -A new e-mail claiming to be from the Federal Deposit Insurance Corporation (FDIC) is hitting in boxes around the country seeking personal and financial information. Your Better Business Bureau is alerting consumers not to fall for this phishing scam and the FDIC has sent out alerts to banks.

The e-mail claims to be from the FDIC and states that your money is no longer protected due to an ongoing investigation. It also states, "In cooperation with the Homeland Security, Federal, State and Local Governments, the FDIC has withdrawn deposit insurance from your accounts and is taking the action because of account activity that violates the Patriot Act." The e-mail goes on to direct the recipient to click on the link in order to clear your name. The link in fact is a means for the scammers to get your financial information and take your money.

“E-mails attempting to get your personal or financial information are very common”, said Patrick Bennett, BBB Spokesperson. “Yet these phishing scams can be hard to detect because the scammers make the e-mail appear and sound official by using closely imitated logos and referencing legitimate agencies.”

Your BBB advises consumers to be on the lookout for this scam and offers the following advice:

· Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious.

· E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail.

· Beware of unsolicited e-mails from companies or organizations with which you have no association.

· Make sure you have current antivirus software and that all security patches have been installed on the computer.

· Legitimate businesses and organizations do not send e-mails claiming problems with an order or an account to lure the people into revealing financial information.

· If a consumer receives such an e-mail, BBB recommends picking up the phone and contacting your bank or financial institution directly to confirm that there really is a problem.

For more advice on staying safe online, visit http://easternmichigan.bbb.org/Consumer-Tips/.

Taxi Scam Targeting Seniors May Be Headed Our Way

1/20/2011

Posted on 1/20/2011 by
Your Better Business Bureau is warning consumers, especially seniors, to be aware of a scam that is being perpetrated by crooks in Jamaica and may soon come to Michigan.

Essentially, the consumer gets a call from a person in Jamaica (area code 876) offering huge sums of money. However, before the consumer can receive the money, they are instructed to wire a specific amount of money to the caller to cover “processing fees.” This is a common scam where the victim never receives any cash and instead loses money because they have sent his or her own money by wire service to an unknown party.

Until now, seniors were thought to be relatively safe because the act of making a wire transfer usually requires going to a bank, withdrawing cash and then finding a place where to wire the money. Because seniors often have limited transportation issues, scammers didn’t target this segment of the population.

However now a team of scammers in Jamaica is contacting local taxi companies and making all the pickup arrangements so the senior can complete the steps necessary to wire the money. There is absolutely no evidence that any cab companies or their employees are privy to the scam. To them it appears to be a normal business transaction: A call comes into dispatch and a cab is sent out.

Laugh Yourself Through Life

1/20/2011

Posted on 1/20/2011 by

Are you feeling stressed and worn out by the end of the day? How many times did you laugh today? I bet your answer is, “Not a lot.” Studies show children laugh or smile 400 times a day. Cut that number down to 15 times for most people over 35! No wonder you are dragging.

When you consider that a robust laugh lowers your blood pressure below normal resting rates for 45 minutes, exercises the lungs, increases oxygen in the bloodstream and increases your endorphins, we are missing out on a good thing when we get older.

We don’t have to be so stodgy. Let’s work on laughing and smiling. It’ll “buy” you points at work. Here’s how according to Paul E. McGhee, Ph.D.

Humor improves employee morale. You can do it in your e-mails, your conversations, and in your body language. We have an employee who keeps her e-mails upbeat and fun. She lightens our day. I’ m told my son keeps them laughing at a Ford plastics plant where he is an industrial engineer. Hmmm… an engineer who writes light-hearted, funny e-mails. Go figure!
Humor strengthens team spirit and builds cohesive groups. If people are having fun they are going to want to be together and get things done.
Humor boosts creativity. Studies show that people with a sense of humor tend to be more creative.
Humor helps emotional intelligence. It’s been proven that people who have emotional intelligence are generally more successful than people who have a high I.Q. Because people with good emotional intelligence are good at managing their emotions and others, they are good at getting people to “step up” and get things done.
Humor boosts sales. People connect with you and your product and/or service if you put them in a good mood.
Humor helps with managing people. It helps with rapport and communication, reduces tension, reduces burnout, builds resilience, and much more.

Staying light hearted, smiling and laughing does make sense. Take note of how much you smile and laugh. Then, work on increasing how often you imbibe in humor.

Form a fun committee and work on humor and fun times for your entire office. Retention and productivity will increase. Have fun smiling!

How do you keep your office smiling?

Bad Deals Consumers Should Always Refuse

1/20/2011

Posted on 1/20/2011 by

Full Article Text:

Many deals are offered to consumers on a daily basis however some are simply not worth it. Komo News reports of 5 "bad" deals that may sound good at first but are really not.

Cell phone insurance: Most of these plans have high deductibles- as much as $125 for a smartphone.

Buying checks from the bank: These can be bought at a much cheaper rate from a checking printing company.

Prepaid debit cards

Credit Card Insurance

Convienience checks: These are known to have a very high interest rate.

Read full article here.

Facing Foreclosure? Look for these “Red Flags” When Seeking Foreclosure Help

1/19/2011

Posted on 1/19/2011 by

Facing Foreclosure? Look for these “Red Flags” When Seeking Foreclosure Help

Southfield, MI – January 18, 2011 – Banks repossessed more than one million homes in 2010 according to Realty Trac, Inc. while nearly five million borrowers are currently sixty days or more behind on their mortgage setting up what is to be a bleak 2011. The housing market in the United States may not be thriving, but business is booming for foreclosure rescue and loan modification scammers.

The US Government Accountability Office (GAO) says that there are two main types of foreclosure rescue scams designed to profit from homeowners desperate to save their homes: advance-fee loan modification schemes and sales-leaseback schemes – with advance-fee schemes being the most prevalent. Under Michigan’s Credit Services Protection Act, it is illegal for most companies and individuals to charge or receive a fee before completing any services.

In an advance-fee scheme, an unqualified business charges you a fee in advance to negotiate a deal with your mortgage lender. They may even offer a money-back guarantee. But the usual outcome is that they take your money (the average is about $3,000), provide little or no service, and then refuse to refund the fee. In a sales-leaseback scheme, the scammer persuades you to transfer your deed to them by offering to assume your payments and let you pay rent while you get your affairs in order. They promise to sell the property back to you once your financial situation improves, but, of course, they don't. Often they take out another loan on the home or even sell it out from under you.

The Federal Trade Commission reports on a new twist on the advance-fee scam that's showing up this year, a "forensic mortgage loan audit." The scammer offers to find regulatory violations in your original mortgage that will help you avoid foreclosure or even cancel your loan. There's no evidence that anyone has ever succeeded in modifying their loan using this approach.

Here are some “red flags” that at-risk homeowners should watch out for when looking for foreclosure help:

· Businesses that guarantee to stop the foreclosure process – no matter what your circumstances.

· You are instructed not to contact your lender, lawyer, or credit or housing counselor.

· Businesses that collect a fee before providing you with any services. For exceptions consult the Michigan Credit Services Protection Act.

· Businesses that only accept payment by cashier’s check or wire transfer.

· You are encouraged to lease your home so you can buy it back over time.

· You are told to make your mortgage payments directly to the business, rather than your lender.

· You are told to transfer your property deed or title to the business.

· The business offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale.

· The business offers to fill out paperwork for you.

· You are pressured to sign paperwork you haven’t had a chance to read thoroughly or that you don’t understand.

The BBB recommends that before obtaining help from a for-profit business looking to gain from your hardship, research credible non-profit organizations that provide needed services to help prevent mortgage foreclosure. “Foreclosure does not discriminate” says Jamele Hage of the Southeast Michigan Regional Foreclosure Intervention and Neighborhood Stabilization Collaborative (FINSC). “People needing help can simply dial 211 to get free foreclosure prevention information anytime.”

The following are just a few sites of organizations that provide foreclosure prevention information:

www.fightmortgageforeclosurefinsc.com

www.foreclosuredetroit.org

www.greenpath.com

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. Visit www.easternmichiganbbb.org for more information.

Looking to buy or lease a new car? Consider these tips before heading to the dealership.

1/11/2011

Posted on 1/11/2011 by

Looking to buy or lease a new car? Consider these tips before heading to the dealership.

Southfield, MI – January 10, 2011 – With the 23^rd North American International Auto Show scheduled to open its doors to the public January 15^th, hundreds of thousands of consumers will attend to admire the next generation of vehicles and decide which to buy. With prices averaging more than $28,000.00 for a new vehicle and $15,000.00 for a used vehicle, most consumers will need financing or leasing in order to get that car of their dreams. That is why your Better Business Bureau under a cooperative agreement with the Federal Trade Commission is providing tips to consumers before heading to the dealership and when visiting a dealership.

“A vehicle is one of the most important, and costly purchases consumers make”, said Patrick Bennett, BBB Spokesperson. “Few thrills in life equal that of driving your new car away from a dealer knowing that you bought the best vehicle for you at the best price.”

Before visiting the dealership, the BBB asks consumers to remember to:

· Evaluate your financial situation - Determine how much you can afford to pay each month. A longer-term finance contract may mean smaller monthly payments than a shorter-term finance contract but will result in more money paid over time on your contract.

· Identify your transportation needs.

· Determine the price range of the vehicle your thinking of buying – Check newspaper ads, the Internet, auto buying guides and other publications.

· Understand the value and cost of optional credit insurance if you agree to purchase.

· Know the difference between buying and leasing.

· Know your credit history – Your credit history may affect the finance rate you are able to negotiate. Generally, you’ll be able to get a lower rate if you’ve paid your monthly credit obligations on time.

· Compare – Compare annual percentage rates and financing terms from multiple sources such as a bank, finance company and credit union. This information may also be available from the finance sources’ and vehicle manufacturers’ websites.

When visiting the dealership remember to:

· Stay within the price range that you can afford.

· Negotiate your finance or lease arrangements and terms.

· Consider carefully whether the transaction is best for your budget and transportation needs.

· Understand the value and cost of optional products such as an extended service contract, credit insurance or guaranteed auto protection if you agree to purchase. If you don’t want these products, don’t sign for them.

· Read the contract carefully before you sign. You are obligated once you have signed a contract.

· After you have completed the vehicle purchase or lease, be aware that if you finance the vehicle, the bank, finance company or credit union holds a lien on the vehicles’ title until you have paid the contract in full.

· Make your payments on time. Late or missed payments incur late fees, appear on your credit report and impact your ability to get credit in the future.

For more advice on purchasing a new vehicle go to http://easternmichigan.bbb.org/consumer-tips-auto/

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB to be featured on NBC Dateline Sunday

1/6/2011

Posted on 1/6/2011 by

BBB to be featured on NBC Dateline Sunday

This Sunday, January 9th at 8pm/7pm CT, Dateline presents a compelling new franchise, "The Hansen Files." With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover secrets and scams-- taking a special look into a nationwide ring of air duct cleaning companies. This brazen scam-- one that has thrived for more than a decade-- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly. "Dateline" discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as our volunteers call one of the rogue companies. What you'll see next will surprise and offend you, as these air duct cleaners take our volunteers to the cleaners! But the technician will be in for a surprise when Chris Hansen shows up to expose them.

New Year's Health Resolutions Should Include a Dose of Caution about Diet Claims, Health Clubs

1/5/2011

Posted on 1/5/2011 by

New Year's Health Resolutions Should Include a Dose of Caution about Diet Claims, Health Clubs

Southfield, MI - January 5, 2011 – The Better Business Bureau (BBB) warns consumers to be skeptical of advertisements promising quick and easy ways to lose weight without cutting back on calories or increasing physical activity.

At this time of year, you’re likely to see claims such as, “Lose weight without diet or exercise,” “Block the absorption of fat, carbs or calories!” or “Lose weight with our miracle diet patch or cream.”

Consumers often are lured into buying diet pills, treatments or “cures” with the promise of better health, fitness or appearance. However, many of the products are not regulated by the U.S. Food and Drug Administration and may be ineffective or even harmful.

The BBB advises consumers to apply a healthy dose of skepticism to ads for weight loss products and plans. Doctors, dietitians and other experts agree that the best way to lose weight is to eat less and increase your physical activity so you burn more energy.

In the last year, consumers have filed approximately 214 complaints with the BBB in St. Louis addressing health clubs, health and diet products, weight loss and physical fitness firms. Consumers said the companies either failed to deliver promised results, charged fees that were higher than advertised or, in the case of some health clubs, closed abruptly.

Before you invest money in joining a health club or buying weight loss products, the BBB advises you to beware of false claims and consider your needs and your budget:

Avoid products that claim to help you lose weight without diet or exercise. Doctors, dietitians and other experts agree that losing weight takes work. Pass up any product that promises miraculous results without any effort.
Be skeptical of claims that you don’t have to give up favorite foods or reduce the amount you consume. Try filling up on healthy vegetables and fruits so you can resist high-calorie treats. However, eliminating all your favorites could set you up to fail. It’s better to limit portion size or how frequently you indulge.
Determine your fitness goals. It’s hard work to lose weight, and you need to find a program you can stick with, and preferably one that you enjoy. Find a health club or exercise facility that is convenient and that offers times that fit with your schedule.
Visit the facility before joining. Check on cleanliness, adequacy of space, machines and qualifications of instructors and any other factors important to you. Ask if you can try the facility out before you join.
Consider your budget. Ask the health club about joining or enrollment fees and ongoing monthly costs. Does a weight loss plan require you to buy special foods? Can you cancel if you move or find that the program doesn’t meet your needs? If the facility closes, can you transfer your membership to another facility?
Read the entire contract. Does it list all services and facilities and hours of operation? Is everything the salesperson promised included in the contract? What’s included in the monthly fee and what will cost you extra? What is the total cost, including enrollment fees and finance charges?
Check with the BBB first. Anyone can check a company’s Reliability Report at www.bbb.org or by calling 314-645-3300 during business hours. Look at the firm’s complaint history and whether the complaints were resolved.

Before you begin an exercise program or diet, the BBB advises consumers to consult a doctor for an assessment of their over-all health risk. Get the doctor’s recommendations on weight-loss options and/or exercise regimens that fit your health status and ability to stick with it.

If your doctor prescribes a medication to assist in weight loss, ask about complications or side effects. Tell the doctor about other medications or over-the-counter drugs and dietary supplements you may be taking.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Allcare Dental Leaves Patients High and Dry

1/4/2011

Posted on 1/4/2011 by

ALERT!!!

From Your Better Business Bureau of Eastern Michigan

FOR IMMEDIATE RELEASE

Allcare Dental Leaves Patients High and Dry

Headquartered in New York, All Care Dental closes shop nationally

Southfield, MI - January 4, 2011 – BBB of Eastern Michigan has been informed by consumers that Allcare Dental with locations across Michigan has closed without notice. When patients showed up for their appointment or called, there was no one available. A note on the door read: “Effective December 31^st, 2010, the office of Allcare Dental & Dentures has been closed. We are currently working to find dentists to continue your care. For further information, go to allcareinfo.com or allcare.com.”

A website posting at www.allcareinfo.com apologizes to patients that they closed operations and there were no plans to reopen the offices. It states that they were working hard to transfer patient records and unfinished dental work to dentists with offices located close to the now-defunct offices. But, that in the meantime, if the patient is experiencing a dental emergency, you will need to locate another dentist in your area at your cost or go to the emergency room.

Patients, who went without promised services due to this closing, are encouraged to file a complaint with your Better Business Bureau and the Michigan Attorney General’s office at 877-765-8388 immediately. Patients who financed incomplete dental work should also contact the lending institution to stop any additional payments to Allcare.

Look for Seven Red Flags When Applying to a For-Profit College

1/4/2011

Posted on 1/4/2011 by

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

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

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

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

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

The recruiter uses high-pressure sales tactics.

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

The recruiter exaggerates potential income or guarantees a job.

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

The prices are inflated when compared to other options.

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

The school is not accredited.

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

The degree or program seems too easy to obtain.

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

The school does not disclose information as required.

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

The recruiter encourages you to lie on financial aid forms.

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

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

Ten Questions to Ask Before Joining a Gym

1/3/2011

Posted on 1/3/2011 by

Ten Questions to Ask Before Joining a Gym

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

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

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

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

Questions to ask the gym:

What are the terms of any introductory offers?

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

Will my membership renew automatically?

How can I get out of my contract?

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

What happens if I move?

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

What happens if you go out of business?

Questions to ask yourself:

What are my fitness goals?

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

Is this location convenient?

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

Can I really afford this every month?

Am I feeling pressured to join?

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

Did I get everything in writing?

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

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

BBB Lists Top 10 Scams and Rip-Offs of 2010

1/3/2011

Posted on 1/3/2011 by

BBB Lists Top 10 Scams and Rip-Offs of 2010

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

Southfield, MI – January 4, 2011 - The Better Business Bureau today released a list of the top 10 scams and rip-offs of 2010. Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.

“With the economy still on the mend, scammers had a field day targeting struggling families who were looking for work and trying to make ends meet,” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “While some of the most popular scams are perennial problems that have always plagued consumers, some new additions to the list are signs of our tough economic times.”

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

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

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

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

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

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

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

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

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

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

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

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

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Seven Scams that Target Small Businesses

1/3/2011

Posted on 1/3/2011 by

Seven Scams that Target Small Businesses

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 Patrick Bennett, BBB spokesperson. “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 is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just 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 which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

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 like 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. You can 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 just 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 will 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 their 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 specifically target small business owners with the goal of hacking into their computer or network. 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 http://easternmichigan.bbb.org/Business-Resources/.

BBB Tips for Happy Holiday Returns, Refunds and Exchanges

12/20/2010

Posted on 12/20/2010 by

BBB TIPS FOR HAPPY HOLIDAY RETURNS, REFUNDS, AND EXCHANGES

“Inevitably, following the holidays, the BBB receives hundreds of complaints from consumers because they are unable to return a gift,” said Patrick Bennett, Director of Community Relations for the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Unless the seller has a specific return and exchange policy or the merchandise is defective or misrepresented, all sales are final in Michigan.”

When it comes to returning gifts this holiday season, BBB wants to remind you to know your rights.

Don’t delay - If a store has a return policy, there may be time limits for returns.

Always keep receipts and original packaging!

For more useful tips about holiday shopping and charitable giving, visit the BBB online at www.facebook.com/myBBB or http://easternmichigan.bbb.org/consumer-tips-holiday/ .

BBB Warns of Free Grocery Radio Ads

12/17/2010

Posted on 12/17/2010 by

BBB Warns Consumers of Free Grocery Radio Ads

Southfield, MI - Several local consumers have contacted your Better Business Bureau about radio advertisements claiming they could get thousands of dollars in free groceries. Unfortunately, they soon discovered free groceries weren’t in their future.

The ads directed them to call a toll free number, which required them to set up accounts and provide credit card numbers to purchase packages ranging from $13.75 to $20. These packages turned out to be online coupon membership cards.

One consumer who responded to the ad thought he’d be receiving a card to buy $1,000 worth of groceries. He was shocked when he received the online coupon membership card, which looks similar to a credit card, instructing him to log onto a Web site to activate the card. The card says “We clip you save $1,000’s.” According to this consumer, the package wasn’t as advertised by the company over the phone or through the radio ad.

Despite the 100 percent satisfaction guarantee promised in the letter, another consumer tried to cancel by calling the number provided, but the company representative told her it wasn’t the appropriate office to contact. However, the representative couldn’t provide her the correct number to cancel the service.

Based on phone numbers and Web sites provided by these customers, your BBB has found ATS Research, a Maine company, is making the offers. The company currently holds an F rating with your BBB, its lowest rating, for a variety of reasons, including:

• 113 current complaints filed against the business.

• Concerns with the industry in which this business operates.

· Failure to respond to 3 complaints filed against business.

In addition, despite your BBB’s efforts, the company has not responded to requests for company information. Therefore, your BBB as insufficient information about the company’s background and length of operation, which also affects its BBB rating.

The complaints against the company concern advertising, contract, customer service, refund/exchange, sales practice and service issues. Based on BBB files, complaints allege consumers receive offers for $1,000 in free groceries if they provide some basic survey information. The consumer pays a shipping fee to receive the debit card with a $1,000 of cash on it for groceries. It appears the debit card is sent to buy other coupons, not $1,000 in groceries. The fee is to enroll in incentive programs with monthly recurring costs.

If you’re considering an offer like this, your BBB advises you:

• Check out companies before providing personal information, such as bank/credit account or Social Security numbers. You can contact your Better Business Bureau at www.bbb.org or calling 248-223-9400.

• Be skeptical of promises of 100 percent satisfaction guaranteed. The company might claim this, but the guarantee is only as good as the company offering it.

• Be wary of unsolicited telephone calls, e-mails and direct mailings making offers.

• Get everything in writing and read the fine print. The fine print is where extra fees and other unexpected charges, including exclusions or conditions, may be hidden.

• Be sure to use a credit card for all payments. It’s easier to dispute charges and get your money back.

• Be cautious of companies requiring you to sign up for other services to receive the original purchases you wanted to make.

• Don’t give into high-pressure sales tactics. Take time to think about the deal and confirm arrangements.

• Don’t make a payment until you have all the information you need to make a decision.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

‘DEAR SANTA’ WEBSITES?

12/16/2010

Posted on 12/16/2010 by

‘Dear Santa’ Websites?

Better Business Bureau recommends ADULTS CHECK THE Privacy Policy TWICE

Southfield, MI – December 16, 2010 – More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to persuade St. Nick via email that they were not at all naughty in 2010. Before allowing children to share any personal information with a “Letter to Santa” Website, the Better Business Bureau Children’s Advertising Review Unit (CARU) recommends that adults carefully review such sites 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.

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 how to keep your kids safe online, please visit www.CARU.org. Parents who are concerned about the safety of specific child-directed websites and advertising can file a complaint at http://www.caru.org/complaint/index.aspx

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Thieves Using Anti-Theft Technology Can Steal Credit and Debit Card Information from Several Feet Away

12/16/2010

Posted on 12/16/2010 by

Thieves Using Anti-Theft Technology Can Steal Credit and Debit Card Information from Several Feet Away

Southfield, MI - December 16, 2010 – A disturbing abuse of technology allows someone to penetrate your wallet or handbag in order to steal your credit card, debit and smart card data while sitting or walking nearby. It is called “Electronic Pickpocketing.”

The technique uses Radio Frequency Identification (RFID) technology to allow anyone with a laptop computer and a device available on the Internet to walk through malls, airports and other public places to collect information from people’s wallets without ever having to approach them.

RFID is commonly used as anti-shoplifting technology, security entrance cards, automatic checkout at libraries and scanning of passports. Large RFID scanners can be found surrounding exits of stores and libraries.

Better Business Bureau Serving Eastern Michigan and the Upper Peninsula says consumers can easily protect their information from RFID scanners by purchasing a RFID Blocking Wallet, RFID Blocking Credit Card Sleeve or with a simple do-it-yourself method:

1. Cut two pieces of cardboard the size of a credit card.

2. Wrap each dummy card with aluminum foil.

3. Place one of the foil cards on each side of the wallet to shield credit cards from

RFID scanning.

4. Place all cards with smart chips next to each other between the foil cards.

RFID scanners penetrate a wallet head-on. So follow these steps to make them more difficult to read.

As privacy advocates express concern about growing use of RFID and its vulnerabilities, manufacturers are working on ways to limit their transmission range.

You can find more information on RFID technology at: http://www.snopes.com/fraud/identity/pickpocket.asp

Online Security Tips

12/15/2010

Posted on 12/15/2010 by

Recent McDonalds, Walgreens and Gawker Data Breaches Prompt Concern

BBB Advice for Online Security

Southfield, MI - Within just the last few days McDonalds, Walgreens, and the online media company Gawker have become victims of data breaches. In the latter instance, emails and passwords for 1.3 million people were compromised.

“Even the most vigilant and fraud-conscious consumers can become victims of identity theft due to a data breach at a corporation”, said Patrick Bennett, Director of Community Relations with your Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “In the case of recent data breaches with McDonalds, Walgreens and Gawker, it appears that no personal, financial or medical information was compromised—only email addresses and passwords—however, consumer trust in these companies will likely be shaken.”

To protect yourself from identity theft, the BBB provides this advice for online security:

Avoid Phishing e-mails – Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Do not respond to requests for financial information pretending to be from McDonalds, Walgreens or other companies. Legitimate businesses do not request personal or financial information by email. Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

Small business owners looking for advice on preventing data breaches are encouraged to check out BBB’s Data Security – Made Simpler for free guidance at www.bbb.org/data-security.

For more information or to schedule an interview, contact Patrick Bennett at 248-799-0326 or pbennett@easternmichiganbbb.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Scrutinize Your Credit Card Bills

12/15/2010

Posted on 12/15/2010 by

BBB Reminds You to Scrutinize Your Credit Card Bill

You’ve been rushing around shopping for Holiday gifts charging a little of this and a little of that and it can be easy to lose track of what you have charged. With your credit card bills coming in soon, it’s important to verify that every charge on your statement is yours. Why? Because there are so many ways people can add unauthorized charges to your account without even seeing your credit card. Here are some of the ways thieves can steal your credit card number.

Number Testing - One trick con artists use is they keep all the numbers for a credit card the same except the last four digits. These 4 digits are changed until the con artists find numbers that work. They test the numbers with small purchases until they get a “winner” number. Then, they go for the big purchases.

Skimming - A dishonest employee at the point of purchase could scan the card on a special machine before returning the card. The card number will then be used by the employee and/or sold to someone else.

Electronic Pick Pocketing - Technology has provided thieves with a new way of stealing. While you are walking down the street or in a crowded store a person can brush up against you and steal your credit card number. A scanning device is unobtrusively run across your pocket or purse where your wallet is located. Your credit card is captured and you will never know it happened.

ATM Skimming - Identity thieves place seamless devices on ATM machines to steal debit card information. They also 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. A few days later, the con artists will come back and take the device out with your credit card number for their use. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

Thieves will find a way to get your credit card number, if they want to. Check every credit card bill and make sure there are no fraudulent charges. If you detect one, call your credit card company immediately and place a fraud alert with each credit reporting agency.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Phony Calls Claim to Be from BBB Asking if Businesses Are Moving

12/10/2010

Posted on 12/10/2010 by

Phony Calls Claim to Be from BBB Asking if Businesses Are Moving

Businesses across the country are getting phony calls claiming to be from the BBB, asking if the businesses are planning to move. The calls are not from the BBB, and the source and purpose of the calls are unknown. BBB advises businesses to proceed cautiously with any unknown callers.

This week Better Business Bureau in Dallas heard from a law firm that received over a dozen calls in the past two weeks. The callers said they were from the Better Business Bureau and were updating records. The callers wanted to know if the law firm is moving. Although the business told the callers it isn’t moving, the callers keep calling back. The law firm reports that the caller ID on the calls displays all zeros.

Similar bogus calls have been reported to BBBs in Michigan, Minnesota, Alaska, Oregon and Western Washington over the last few months. A couple of the businesses actually were planning a move, and the callers kept asking for their new address and additional details. However none of the businesses that were called have been able to obtain more information from the callers.

The BBB wants businesses to know that BBB does not call to ask if businesses are moving, and any calls from BBB are clearly identified. Businesses can check with their local BBBs to verify any calls claiming to be from BBB, or to report any questionable calls.

Businesses can be targeted by a number of different schemes, including wire transfer scams, directory schemes, office supply schemes, and more. For BBB tips on schemes against business, see http://www.bbb.org/us/article/some-scam-artists-target-businesses-526

Keep Clients Happy by Humbly Asking Forgiveness

12/8/2010

Posted on 12/8/2010 by

Keep Clients Happy by Humbly Asking Forgiveness

By Jeanne Bliss

As Catherine Walker’s Alzheimer’s disease advanced, her daughter Gail Watson tried to balance her mother’s disease and caring for her ailing father. Struggling as caregiver to both her parents, she found Vancouver, BC-based Nurse Next Door, a company that rescues caregivers by providing support to help care for loved ones at home.

Founded in 2001 by John DeHart and Ken Sim, Nurse Next Door was born out of their personal experiences when, seeking a caregiver for their parents, they were repeatedly sent inappropriate candidates. Like many small businesses born out of personal passion, Sim and DeHart’s business has grown rapidly. But as with any fast-growing business, growing pains occur. So DeHart and Sim decided that when mistakes happen, they would send a sincere and heartfelt apology, explaining what went wrong, how they will resolve the situation, and humbly asking forgiveness.

How $1,500 Spent on “Humble Pies” Saved $100,000 in Business

When they slip up, Nurse Next Door sends a freshly baked pie as part of their apology. Not any old pie—they send a humble pie, with a note that says, “We are very humbled by our mistake and sincerely apologize for the poor service.” They depend on a few local bakers in Vancouver to supply the pies, the most notable of which is an outfit called Acme Humble Pie. Sim and DeHart say, “What’s wrong with eating a little humble pie?” Especially when a customer is at stake?

Decide to Say “Sorry”

Gail Watson, whose story we began with at the top of this blog, received one of those pies after Nurse Next Door missed her initial appointment. Though she was angry at first, the swift delivery of a heartfelt apology and the whimsy and humility of this simple gesture took the edge off. Watson remains a loyal customer today.

What started as a spontaneous gesture by one employee is now a regular part of how Nurse Next Door nurses customers’ wounds from the occasional service failure. DeHart estimates that yearly, Nurse Next Door spends about $1,500 on humble pies, but saves around $100,000 in sales. “It’s more about keeping clients than a question of whose fault it is. The value of lost clients is very high,” DeHart says. “And satisfied customers share their experience with friends and family.”

Since its early years, Nurse Next Door has thrived and grown to become British Columbia’s largest home health-care company. It’s likely that their much-talked-about services fuel their growth . . . or do people just want a piece of that pie?

Go Try This

Evaluate How Well You Say “Sorry”

How would you rate your ability to identify and acknowledge mistakes?
How would your customers say you are doing?
Do customers rave about your humility and recovery from mistakes?
How do your decisions to recover from mistakes compare with this beloved company?
Do your apologies earn you “beloved” status?

Can You Decide to Say “Sorry”?

What’s your version of “humble pie”?
Are you open enough to consider that there are times when you’ll need one, and proactively go out there and find a baker to make them?
What’s one way to earn back a customer’s trust when you occasionally slip up?

5 Ways to Help Your Business Celebrate the Holidays

12/8/2010

Posted on 12/8/2010 by

5 Ways to Help Your Business Celebrate the Holidays

BBB Advice for Putting the Right Finishing Touches on Your Year

As the 2010 holiday season approaches, your customers may be looking for deals and your employees may be hoping for a few days off from work. BBB reminds business owners to prepare themselves to spread the holiday cheer to their customers and employees in order to encourage morale and spur on the shopping season. BBB has the following advice to help you prepare as the holidays draw near:

1. Celebrate with your customers by offering special discounts or sales tied to holiday themes. With the increased popularity in social media outlets, this could also be an opportunity to potentially gather “followers” on Twitter and “likes” on Facebook by promoting the holiday themed deals online.

2. Spread the holiday spirit among your employees by throwing a holiday party or giving a special gift. Rewarding the hard work your staff puts in throughout the year is a great way to boost morale and promote closer working relationships in your organization.

3. Put a security plan in place if you plan to shut down your business location longer than usual. Be sure all computers are turned off to reduce the risk of a data breach and instruct employees to have “out of office” messages on their emails and phones. Tell customers ahead of time about any changes to your holiday hours and make sure those are reflected on your website and social media outlets as well.

4. Encourage cheerful giving by offering to match a portion of your customers' and/or employees' local charity donations. Invite your employees to select a charity as a group and promote their cause throughout the holiday season. Not only will this help the charity of your choosing, but your business may benefit from the brand awareness created by aligning yourself with a worthy organization. Be sure to check out BBB’s review of local charities in advance by visiting www.give.org.

5. Send holiday cards or gifts to specific customers, partners and/or employees that you want to thank for a great year. Simple, friendly gestures can go a long way toward strengthening business relationships your company has with others. Consumers are often more likely to spend money with a company that they know values their business.

For more business advice or to let us know about questions you have, visit us at www.bbb.org.

Real success in business is not an accident!

12/8/2010

Posted on 12/8/2010 by

2011: Checklist for Success

Plan for Success in 2011

One thing smart business people can agree on: Real success isn’t an accident. While it may be “better to be lucky than good,” as the old adage says, you can’t depend on luck to get you through a shifting economy or a rough patch. Responsible business managers often take December to review their businesses’ past performance and plan for improvement. The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula suggests this checklist for success in the coming year.

1. Have you completed a “Year to Date” accounting of your business? Whether or not you employ an accountant, a quick review of your business’ profit and loss statement can show you where you’ve made money – and, in many cases, where you could do better. Even the smallest business can run software that will help show the financial successes and lost battles, and it’s worth the investment in one of those programs. If you aren’t using one now, it might be daunting to cover 2010 after 11 months of activity. Resolve to purchase and use a dependable software program by the first of the year -- and really do it this time. (Don't be intimidated. Accounting software is available to help out even the most technophobic business owner.)

2. Set goals for the coming year. Some business owners sit down with department managers and outline reasonable goals for the next 12 months, but even a business with a couple of employees can plan to do better. This doesn’t mean more money or increased projects, although those are certainly common goals that lend themselves to easy tracking. It could mean fewer injuries on the job, more productive time, or some other creative goal that will benefit the overall performance of your business. You may look at each function of your business and assign it one overriding goal for the year. You’re going to increase the number of bills that pay within 30 days, create one more ad a quarter, and make three more sales calls each day? Great! Reaching any of those three should increase the overall value and performance of your company. As with any goal, make sure you design incremental markers to judge your progress toward something that can be reached.

3. Develop a system of rewards when goals are reached – and remind those eligible that the rewards are available throughout the year. A new bonus structure for your sales staff might be in order, but money is not the answer for everything. Increased cash may not even be a practical reward in some positions or businesses. Sometimes, rewarding employees with extra time off is more appreciated than cash. Be creative, and seek input from your employees to discover what would motivate them. Try to work as many of their ideas into the finished product as possible to give them ownership of a new program.

4. Review policies. Assuming your business uses a handbook for employees, has a sales manual, or any other internal documents that tell people how to do their jobs, it’s worth the investment of time to go over those policies and review them for changes. The first of the year is a natural time to review those policies or create new ones.

5. Check your competitors. It’s a natural thing to copy success. Whole fields of study are devoted to business models that were new and unique at one time, but have become the standard for American companies. You should take the time to see what’s working for similar businesses and, where it makes sense, duplicate or reinvent them for your company. That’s not to say that there isn’t room for improvement or tailoring services to your particular type of business. Ray Kroc’s business acumen and practices apply to a lot more than flipping burgers, and have been applied throughout the retail industry.

Here’s to hoping for a safe and prosperous 2011.

January Business Card Exchange

12/7/2010

Posted on 12/7/2010 by

Join us for this FREE networking event January 19th to build professional relationships and learn "Strategies To Soar!"

BBB Warns of scam promising free groceries and huge savings

12/7/2010

Posted on 12/7/2010 by

BBB Warns of scam promising free groceries and huge savings

Southfield, MI – Local consumers continue to contact your Better Business Bureau about a sales promotion offering free groceries as an incentive to buy furniture at Ben’s Fine Furniture in Port Huron, MI. Ben’s Fine Furniture holds an F rating with your BBB due to unanswered and unresolved complaints. Consumers are lead to believe that by paying a registration fee ranging from $9.95 to $15.95 to participate, they would earn up to $600.00 in free groceries. Once registered, consumers are to simply mail in their grocery receipts to “claim your groceries”, “my free groceries” or “my free travel” each month and they would receive $20 to $25 in return until $600.00 was earned. In actuality, the consumers discover that the promotions companies promising the “free groceries” all go out of business.

Before considering incentive offers like this, your BBB advises you to:

· Check out companies before providing personal information.

· Be skeptical of promises of 100 percent satisfaction guaranteed. A guarantee is only as good as the company offering it.

· Be wary of unsolicited telephone calls, e-mails and direct mailings.

· Get everything in writing and read the fine print.

· Be sure to use a credit card for payments. It’s easier to dispute charges.

· Be cautious of companies requiring you to sign up for other services to receive the original purchase you wanted to make.

· Don’t give into high-pressure sales tactics. Take time to think about the deal and confirm arrangements.

· Don’t make a payment until you have all the information you need to make a decision.

Don’t take free offers at face value. Do your research to protect your money and identity. Check them out with your BBB by calling (248)223-9400 or by visiting www.bbb.org.

Top Ten Tips for Staying Safe When Shopping Online

12/6/2010

Posted on 12/6/2010 by

Top Ten Tips for Staying Safe When Shopping Online

Every year, more people head online—rather than to the mall—to get their holiday shopping done. Cyber Monday sales were higher than expected this year per Internet Retailer. Many sectors are benefitting, and the biggest retailers are generating buzz and keeping customers on their sites by offering as many as three “flash sales” per hour. Sales on Amazon (which supports many small merchants who sell there) are up 68% over the Thanksgiving through Cyber Monday time frame last year. As a result, comScore and other online trackers are now predicting the strongest online buying season ever, likely to eclipse the pre-recession record of $29.17 billion set in 2007.

Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau reminds consumers of 10 tips for staying safe when holiday shopping online.

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.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to http://easternmichigan.bbb.org/Consumer-Tips/.

Winterize Your Home to Keep Heating Costs Down

12/2/2010

Posted on 12/2/2010 by

Winterize Your Home to Keep Heating Costs Down

BBB Offers Cold Weather Home Preparation Tips

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

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

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

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

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

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

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

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

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

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Secure Your ID Day Succeeds in Protecting Against Identity Theft

11/29/2010

Posted on 11/29/2010 by

Secure Your ID Day Succeeds in Protecting Against Identity Theft
11/23/2010

Southfield, MI. – The recent October 2010 Secure Your ID Day hosted by the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula along with partners GreenPath Debt Solutions and Cintas Corporation will be one for the history books. A record was broken while protecting consumers against the crime of identity theft. More than 400 consumers dropped off over 19,000 pounds of sensitive paper documents to be shredded and recycled in the six hour event.

The event broke an existing Guinness World Record™. BBB of Eastern Michigan along with GreenPath Debt Solutions, Consumer Credit Counseling Service of Orange County and Consumer Credit Counseling Service of Delaware Valley were designated to compete in the Guinness category of Most Paper Collected in a 24-Hour Period. The existing record of 2,204 pounds was toppled by those three locations which collectively shredded a total of 31,979 pounds.

Cintas Corporation, national shredding partner for Protect Your Identity Week and Secure Your ID Day, provided free document destruction for events across the country, including the three that participated in breaking the world record.

“We are proud to have partnered with GreenPath Debt Solutions and Cintas Corporation to help fight identity theft while protecting the environment at the same time,” said Patrick Bennett, Director of Community Relations of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “And we will continue to educate business owners and consumers on how to deter, detect and defend against this crime.”

For more information about Secure Your ID Day 2010, or to schedule an interview, contact Patrick Bennett with the BBB at 248-799-0326.

About Better Business Bureau
As the leader in advancing marketplace trust, the Better Business Bureau Serving Eastern Michigan is a un-biased non-profit organization that sets and upholds high standards for fair and honest business behavior and assists in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Before You Start Your Holiday Shopping...Check Out These Shopping Tips

11/22/2010

Posted on 11/22/2010 by

Click the packages below to unwrap your Holiday Shopping Tips!

Before You Start Your Holiday Shopping...Check Out These Shopping Tips

11/22/2010

Posted on 11/22/2010 by

BBB Fall Secure Your ID Day a Nationwide Success

11/22/2010

Posted on 11/22/2010 by

BBB Fall Secure Your ID Day a Nationwide Success

More than 14,000 consumers fight ID theft by shredding over 800,000 pounds of paper for free at BBB events

November 15, 2010 – Southfield, MI - BBB’s Fall Secure Your ID Day was a great success as more than 14,000 people brought 409 tons of sensitive documents to be shredded for free at 62 event sites across North America. More than 400 people took part in Secure Your ID Day locally and the BBB serving Eastern Michigan was able to help shred more than 9.8 tons of paper with the help of GreenPath Debt Solutions and Cintas Corporation.

BBB’s Fall Secure Your ID Day capped off the 2010 Protect Your Identity Week, a nationwide initiative led by the BBB and the National Foundation for Credit Counseling. PYIW is an annual week of events dedicated to helping consumers fight identity theft and is supported by leading consumer organizations and government agencies such as the Federal Trade Commission and the Federal Reserve.

“Secure Your ID day is about helping the public take steps to fight identity theft immediately and arming them with the tools and information they need to ward off identity thieves in the future.” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan. “Not only did we destroy more than 19,000 pounds of sensitive financial information for free, we also provided educational materials so people can take further steps to fight identity theft every day.”

Compared to the 2009 Fall Secure Your ID Day, BBB helped 21 percent more people and shredded 40 percent more sensitive documents this year.

BBB’s upcoming Spring Secure Your ID Day will take place April 16, 2011. Information on locations and times is forthcoming. Consumers and small business owners can learn more about fighting identity theft at http://easternmichigan.bbb.org/secure-your-id/.

For more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326 or pbennett@easternmichiganbbb.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Visit www.easternmichiganbbb.org for more information.

Tough Times for Business? BBB Advice on Wooing Customers this Holiday Season

11/9/2010

Posted on 11/9/2010 by

Tough Times for Business? BBB Advice on Wooing Customers this Holiday Season

Consumer Reports says more than 13 million Americans are still saddled with debt from last year's holiday shopping and all indications are that consumers will be very careful about their spending once again this holiday season and will be vigilant in their hunt for bargains and deals. People are focused on value this year with 42 percent saying the best price on gifts is critical, according to Consumer Reports. Therefore, it’s up to retailers to develop creative ways for getting the attention of spendthrift customers and your Better Business Bureau is offering advice on some inexpensive marketing techniques that could pay off this year.

“Consumers and businesses alike will be feeling the squeeze this holiday season and while some companies might be tempted to cut spending by reducing marketing costs, that may not be the right cut to make,” said Melanie Duquesnel, President of the BBB Serving Eastern Michigan. “This year, consumers will be looking for value from businesses and brands they can trust, and there are a number of proven ways companies can use marketing strategies, even with minimal budgets, to successfully drive customers to their door.”

Following are tips from BBB on holiday marketing with a limited budget:

Cross-promotion
Retailers aren’t the only ones who make a substantial percentage of annual income over the holidays. Restaurants, grocery stores, shipping companies and other industries also rely heavily on this season for a bump in sales. One form of marketing on the cheap is cross promotion. With cross promotion, two companies work together to raise awareness of both businesses, typically relying heavily on their separate strengths. For example, some retailers and restaurants hold in-store happy hour events together. Restaurants provide the food and drinks, and retailers provide the location.

Partner with a Charity
Unfortunately, this year is expected to continue to hit charities extremely hard as families have less money to spread around. Partnering with a charity, either by supporting a fundraising event or offering to donate a portion of sales, can be a source of good PR around the holidays. Business owners might not have a lot of money to spare for contributions, but they can instead donate time, floor space, and promote volunteering among the staff.

Promote Great Customer Service
When every business is cutting costs and offering bargain basement prices, making a sale can come down to superb customer service. Great customer service is dependent on a friendly, capable and well-educated staff. To this end, retailers should make sure that staff are equipped with the skills to handle frazzled customers, as well as educated on new and popular products.

Cater to the Faithful
Bringing in new customers is always more expensive than creating new sales with current customers. For this reason, businesses should consider creative ways of making their faithful feel special. Examples include holding a private sale, appreciation coupons or a little perk such as free shipping for return customers.

Help Customers Help Themselves
With consumers looking to save at every turn, businesses that create advantages will certainly have an edge this holiday season. Consumers will be looking for angles that save them money on that perfect gift or reduce expenses on holiday meals. For businesses, the winners this year may well be those who can best meet customer needs in a tight economy. Selling as usual probably won’t work this year; businesses need to cater to the consumer’s desire to save money, beyond simply offering sale prices.

For more small business advice on customer service and tips for making it through a rough economy this holiday season, go to www.bbb.org.

Fighting Cold and Flu Season in the Workplace

11/4/2010

Posted on 11/4/2010 by

Fighting Cold and Flu Season in the Workplace

Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Patrick Bennett, Director of Community Relations with your Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home. Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office – Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example. Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at http://easternmichigan.bbb.org/Business-Tips-Index/.

Generate Goodwill and Help a Charity through Cause-Related Marketing

11/4/2010

Posted on 11/4/2010 by

Generate Goodwill and Help a Charity through Cause-Related Marketing

Cause-related marketing is a great option for small business owners to help a charity and generate goodwill for the company. Whether it’s donating proceeds from sales to a charity or encouraging customers to give, BBB Wise Giving Alliance recommends that small business owners consider the benefits of partnering with a worthy cause.

According to The Chronicle of Philanthropy, at the close of 2008, 60 percent of small business owners reported that the tough economy had affected their charitable giving. When times are tight, businesses may need to get creative about helping charities. Cause-related marketing is a great option for businesses that can’t necessarily write a big check.

The recent breast cancer awareness month is a great example of the impact of cause-related marketing. Bright pink ribbons were everywhere in October as businesses donated proceeds from regular sales or for limited edition pink items.

Embedded giving is another way that businesses can partner with charities to raise money. Embedded giving is common at stores where customers are asked if they want to donate to a charity at check out and then the desired amount is tacked onto their total.

“Times are tough for small business owners, but that doesn’t mean they can’t be good corporate citizens and help out a worthy cause this holiday,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “By partnering with a charity, small businesses can help raise awareness as well as money for the cause and generate goodwill for the company in the process.”

Before soliciting donations on behalf of a charity, or engaging in any cause related marketing efforts, the BBB Wise Giving Alliances offers the following advice to small business owners:

Do your research

When choosing a charity to donate to, always research the organization thoroughly. Visit their website and look for details on the charity’s programs, finances, and governance. Always check the charity out with the BBB Wise Giving Alliance to see if they meet the 20 Standards for Charity Accountability.

Get formal permission from the charity

Charities are trademarked entities, so before you place their logo all over your marketing materials, contact the charity to get permission to use their name and likeness. They might also have ideas for cross promotion or additional ways you can help out.

Include the right disclosures

At some point prior to the purchase, the customer should be presented with the following information:

How much from each purchase will go toward the charity.
The time frame for the campaign.
If applicable, the minimum or maximum amount that the charity will receive.

For more advice on being a savvy donor and to review BBB Wise Giving Alliance evaluations on more than 1200 national charities, visit www.bbb.org/charity.

How to Get a Temporary Job Over the Holidays

11/4/2010

Posted on 11/4/2010 by

How to Get a Temporary Job Over the Holidays

Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a much welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Patrick Bennett, BBB Spokesperson. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

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

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

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

Put your best foot forward.
Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

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

For more advice on making it through the holidays, visit us online at http://easternmichigan.bbb.org/Consumer-Tips/.

Finding a Trustworthy Kennel to Board Your Pets

11/4/2010

Posted on 11/4/2010 by

Finding a Trustworthy Kennel to Board Your Pets

As much as pet owners may want to take their furry or feathered friends with them where ever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why the Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. Common complaints include disputes over billing, but also over the 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 which resulted in lengthy stays at the animal hospital.

“For many of us, our pets are like family and leaving them in the care of someone else can be nerve-wrecking and the stress can overshadow your whole trip,” said Patrick Bennett, BBB Spokesperson. “Taking a few moments to do your research and find a kennel you can trust will make your time out of town much easier for you and your pet.”

If you are looking for a reliable kennel, 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 your friends, neighbors, veterinarian or local animal shelters for recommendations. Also, the Pet Care Services Association website has a pet service locator that may be helpful in your search.
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 about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.
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 the other boarding pets. Ask about their background 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 their billing policy.
Finally, ask what happens in the case of a medical emergency or other unexpected situation.

For more advice on finding reputable businesses around the holidays, visit us online at http://easternmichigan.bbb.org/Consumer-Tips/

Five Tips for Staying Safe on the Roads over the Holidays

11/4/2010

Posted on 11/4/2010 by

Five Tips for Staying Safe on the Roads over the Holidays

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. Staying safe should be a top priority for all travelers so the Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

Every year, holiday travelers take to the skies and hit the rails, but most spill onto the highways. Last year, AAA estimated that 87.7 million Americans traveled more than 50 miles over the holidays—85 percent of which drove.

“Because of weather conditions and increased traffic, staying safe on the roads over the holidays takes a few additional precautions,” said Patrick Bennett, BBB Spokesperson. “Before loading up the family, make sure the car is in good shape and you’re prepared for bad weather. While you’re driving, put down your cell phone or GPS and focus on the road ahead.”

The BBB recommends taking the following steps for safe driving this holiday season:

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

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

Take the Better Business Bureau 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 your computer.

Start early and slow down – The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents which increase traffic even more. Also, if you’re caught speeding by law enforcement, that adds travel time and puts a dent in your holiday spending.

Drop the distractions – According to the National Safety Council, 28 percent of accidents happen when people are talking on their cell phone or sending text messages. When you’re behind the wheel, don’t text and drive, use a hands free headset when talking on the phone and get someone else to fumble with the GPS.

For more advice on staying safe over the holidays, visit us online at http://easternmichigan.bbb.org/Consumer-Tips/.

Tis’ the Season for Holiday Scams

11/4/2010

Posted on 11/4/2010 by

Tis’ the Season for Holiday Scams

The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Patrick Bennett, BBB Spokesperson. We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online

Finding the season’s hottest toys and gadgets online

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.

Bogus charitable pleas

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

For more advice on being a savvy consumer this holiday season, visit us online at http://easternmichigan.bbb.org/Consumer-Tips/.

No Matter How You Give, Give Wisely with Advice from the BBB Wise Giving Alliance

11/4/2010

Posted on 11/4/2010 by

No Matter How You Give, Give Wisely with Advice from the BBB Wise Giving Alliance

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

According to the Chronicle of Philanthropy, charitable donations to the largest charities were down 11 percent last year. Despite the tough economy and the overall decline in giving, donors are still looking for ways to help the less fortunate particularly around the holidays. According to the Salvation Army, red kettle donations in November and December of 2009 actually increased by $9 million over the previous year.

“Despite the downturn in the economy, people are still looking for creative or small ways that they can give back and support those who are even less fortunate over the holidays,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “However you decide to give, it’s important to stop and take the time to research the charity thoroughly to make sure that your dollar stretches the farthest it can in this tough economy.”

How you give—and not just what you give—to a charity matters. Following are five common ways that people donate to charities over the holidays and a few things to consider:

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

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

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

Give through text messaging – The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take months to reach the charity so consider donating directly to a charity through its website if there is an urgent need.

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

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

Five Steps to Create and Keep a Holiday Budget

11/4/2010

Posted on 11/4/2010 by

Five Steps to Create and Keep a Holiday Budget

Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Patrick Bennett, Director of Community Relations. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.

The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.

Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at www.bbb.org/us/article/tips-on-how-to-develop-a-working-budget-6101

Step Three: Estimate Extra Holiday Expenses

A lot of little purchases have a way of adding up over the Holidays and it’s important to consider all of the expenses of the season including:

Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance at www.bbb.org/charity.

Step Four: Revisit, evaluate and revise your budget along the way.

Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine.

Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals. If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

More advice on saving money over the holidays is available online at http://easternmichigan.bbb.org/Consumer-Tips/.

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/4/2010

Posted on 11/4/2010 by

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau recommends 10 tips for staying safe when holiday shopping online.

Every year, more people head online—rather than to the mall—to get their holiday shopping done. Last year, 96.5 million Americans shopped online during Cyber Monday while 79 million Americans shopped at brick-and-mortar retailers on Black Friday, according to the National Retail Federation.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Patrick Bennett, Director of Community Relations with your Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone—except, of course, for scammers and hackers.”

Following are the “Top 10 Online Shopping Tips” for holiday shoppers 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.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to http://easternmichigan.bbb.org/Consumer-Tips/.

Protect your Debit Card Number from ATM skimming

11/4/2010

Posted on 11/4/2010 by

Protect your Debit Card Number from ATM skimming

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

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

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

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

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

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

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

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

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

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

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

Exciting things are happening here in Michigan. Join M.E as we celebrate the growth and future of our great state.

11/4/2010

Posted on 11/4/2010 by

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/25/2010

Posted on 10/25/2010 by

New Laws Go Into Effect to Fight Deceptive Debt Relief

Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27. While the new rule will have a significant impact on reducing predatory debt relief, the Better Business Bureau advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the Better Business Bureau has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Patrick Bennett, Director of Community Relations. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone—including taking incoming calls from new customers—will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Finally, before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

Businesses can learn more about how to follow this new rule on the FTC’s web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

BBB Recommends Consumers Understand New Rules for Debt Relief Telemarketing

10/8/2010

Posted on 10/8/2010 by

BBB Recommends Consumers Understand New Rules for Debt Relief Telemarketing

Amendments to the Telemarketing Sales Rule Aim to Protect Consumers

Southfield, MI – New amendments to the Federal Trade Commission’s (FTC) Telemarketing Sales Rule (TSR) take effect today in prohibiting debt relief companies from making false promises to consumers. The new rules apply to for-profit debt settlement, debt consolidation and debt counseling companies and will serve to help inform consumers of the services offered prior to payment.

This year BBB has processed nearly 3,000 complaints nationwide against debt relief companies, alleging that the companies often charge large advance fees, fail to reduce debts or misrepresent their services. The FTC rules effective today will require companies to disclose information that is intended to help prevent such complaints. The following rules are the major additions to the FTC TSR as of today:

· Debt relief companies are now required to disclose to consumers how long it will take to see results, how much their service costs and any negative consequences that could occur from using their services.

· Companies may not misrepresent their success rate to consumers or falsely claim they are a non-profit organization.

· In addition to calls made to consumers by debt relief companies, calls made to debt relief companies in response to advertising will also be covered by the Telemarketing Sales Rule.

BBB also reminds consumers that as of October 27, 2010, all for-profit debt relief companies will be prohibited from collecting advance fees for their services. The FTC has created a guide for debt relief companies to help them comply with the new regulations.

Before seeking help from a debt relief company, BBB recommends that consumers consider the following options:

· Research the company with BBB - Find out how many complaints it has received, how the firm responded to complaints and whether there are any government actions or lawsuits against the company.

· Contact lenders first – Try to work out an agreement directly with creditors before enlisting outside help. This can be done for free.

· Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or no cost. Visit www.nfcc.org for the location of the nearest center.

To check the reliability of a company and find a trustworthy business visit www.easternmichiganbbb.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. Visit www.easternmichiganbbb.org for more information.

Foreclosure Rescue Scams Are Going Strong

10/8/2010

Posted on 10/8/2010 by

Foreclosure Rescue Scams Are Going Strong

The housing market in the United States may not be thriving, but business is booming for foreclosure rescue and loan modification scammers.

The US Government Accountability Office (GAO) released a report in July 2010 entitled "Home Ownership Preservation". It says that: "The current foreclosure crisis has provided persons who may perpetrate mortgage foreclosure rescue and loan modification schemes with unprecedented opportunities to profit from homeowners desperate to save their homes. In March 2010, we reported that national default and foreclosure rates rose sharply from 2005 through 2009, to the highest level in 29 years. The most recent data from the Mortgage Bankers Association, which are for the first quarter of 2010, show that the number of home loans with payments more than 60 days past due, and therefore potentially facing foreclosure, is 2.7 million."

The GAO report says there are two main types of foreclosure rescue and loan modification scams: advance-fee loan modification schemes and sales-leaseback schemes, with advance-fee schemes being the most common. In an advance-fee scheme, someone charges you a fee in advance to negotiate a deal with your mortgage lender. They may even offer a money-back guarantee. But the usual outcome is that they take your money (the average is about $3,000), provide little or no service, and then refuse to refund the fee. In a sales-leaseback scheme, the scammer persuades you to transfer your deed to them by offering to assume your payments and let you pay rent while you get your affairs in order. They promise to sell the property back to you once your financial situation improves, but, of course, they don't. Often they take out another loan on the home or even sell it out from under you.

The Federal Trade Commission reports on a new twist on the advance-fee scam that's showing up this year, a "forensic mortgage loan audit." The scammer offers to find regulatory violations in your original mortgage that will help you avoid foreclosure or even cancel your loan. There's no evidence that anyone has ever succeeded in modifying their loan using this approach.

Here are some “red flags” that at-risk homeowners should watch out for when looking for foreclosure help, courtesy of the FTC. You should avoid any business that:

· guarantees to stop the foreclosure process – no matter what your circumstances

· instructs you not to contact your lender, lawyer, or credit or housing counselor

· collects a fee before providing you with any services

· accepts payment only by cashier’s check or wire transfer

· encourages you to lease your home so you can buy it back over time

· tells you to make your mortgage payments directly to it, rather than your lender

· tells you to transfer your property deed or title to it

· offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale

· offers to fill out paperwork for you

· pressures you to sign paperwork you haven’t had a chance to read thoroughly or that you don’t understand.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. Visit www.easternmichiganbbb.org for more information.

BBB Offers Halloween Season Shopping Tips

10/8/2010

Posted on 10/8/2010 by

BBB Offers Halloween Season Shopping Tips

Advice on Avoiding Issues with Seasonal and Online Retailers

Southfield, MI – Better Business Bureau (BBB) reminds consumers who plan to purchase Halloween season items such as costumes, candy or home decorations from seasonal and online retailers to take extra precautions. BBB has received over 100 complaints regarding general merchandise retailers in Eastern Michigan and the Upper Peninsula over the past year, including seasonal and online retailers. The transitional store locations and temporary staffing of seasonal businesses may lead to increased difficulties in resolving post-holiday consumer disputes.

According to the Halloween Industry Association, Halloween is the second largest commercial holiday in the United States, falling just behind Christmas. Halloween Online Magazine reports that the Halloween retail industry brought in $2.5 billion in sales and advertising revenue in 2009. BBB recommends these tips to ensure this year is filled with more treats than tricks.

· Start with trust. If you're interested in trying a new online merchant who you’re not familiar with, ask the company for its physical location (address and phone number) so you can check on its reliability with BBB. See how long the company has been in business and how they have handled any complaints they may have received in the past.

· Determine the company's refund and return policies before you buy. If online companies can’t offer commitments on how they will handle any potential problems you may have with their products or services, reconsider doing business with them.

· Read terms and conditions carefully. Be sure you have a thorough understanding of everything involved before making an order. Be clear on the price and any shipping and handling charges. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.

· Guard your personal information. Only provide your credit card information online in a secure environment. Look for the prefix “https” in the URL box which lists the website’s web address to be sure that a site you are using is secure.

To check the reliability of a company and find a trustworthy business, visit www.easternmichiganbbb.org.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state. Visit www.easternmichiganbbb.org for more information.

What’s the Deal with Online Penny Auctions?

10/8/2010

Posted on 10/8/2010 by

What’s the Deal with Online Penny Auctions?

Online ads, often designed to look like news reports, are cropping up on popular websites claiming that you can get great deals on iPads and other electronics with online penny auctions. The discounts offered on penny auction sites are tempting, but the Better Business Bureau warns bargain hunters that they should stop and do their research before making their first bid.

Most commonly 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.

“BBB has received hundreds of complaints from consumers about penny auctions so far this year and we’re encouraging online bargain hunters to do their research,” said Patrick Bennett, Director of Community Relations. “Unlike typical auctions, unsuccessfully bidding on an item through a penny auction will still cost you and BBB has heard from people who lost thousands of dollars bidding on items and have nothing to show for it.”

Many people have complained to BBB about being automatically charged $150 just for signing up for what was supposed to be a free trial. Others complainants have voiced their concerns that some sites use phony bidders and “bots” to drive up the prices on items. Customer support is also a major concern as many complainants explain they had a very difficult time receiving refunds or resolving other issues with the company.

Before making your first bid on a penny auction:

Research the penny auction with 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 http://detroit.bbb.org/Find-Business-Reviews/ before signing up.

Read the fine print carefully. Before providing any personal information or signing up for any “free” trial with a penny auction, read all of the fine print carefully on the website. Pay close attention to details on signup and 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 BBB about being unexpectedly charged more than $150 just for signing up. Some complaints 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 BBB if you feel you’ve been ripped off. If you feel you’ve been misled by a penny auction site, file a complaint with your BBB. 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.

For more advice on finding deals and avoiding rip-offs online, visit us at http://detroit.bbb.org/consumer-tips-technology/ .

Five Ways to Fight Back Against Phone Bill Cramming

10/8/2010

Posted on 10/8/2010 by

Five Ways to Fight Back Against Phone Bill Cramming

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, Better Business Bureau recommends keeping a close eye on every bill and being extremely cautious when giving out personal information such as phone numbers.

“You might think that nothing bad can happen from giving out your telephone number, but you should guard those digits like you would a credit card or social security number,” said Patrick Bennett, Director of Community Relations. “Monitor your monthly statements closely because even if you are very protective of your personal information, cramming can still strike.”

Cramming is on the rise, according to the Chief of the Consumer and Governmental Affairs Bureau of the Federal Communications Commission during an interview with Herb Weisbaum, consumer reporter for MSNBC.com. 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:

Keep a close eye on monthly statements. Anyone can become a victim of cramming so monitoring you monthly bills is extremely 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.

Know whom you can trust online. Before handing over any personal information online, always research the business with your BBB at www.easternmichiganbbb.org.

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.

For more advice on managing personal finances and protecting your wallet, visit us online at http://easternmichigan.bbb.org/consumer-tips-finance/

How to Find a Pest Control Company You Can Trust

10/8/2010

Posted on 10/8/2010 by

How to Find a Pest Control Company You Can Trust

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

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

“When you discover an infestation in your home or business, you want to act quickly and get a professional in there fast,” said Patrick Bennett, Director of Community Relations. “Despite the urgency of the problem, you still need to do your research and make sure you are enlisting the help of a qualified and trustworthy pest control specialist.

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

Start with BBB.

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

Credentials count.

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

Ask about liability insurance.

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

Get educated.

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

Read the fine print.

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

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

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

10/8/2010

Posted on 10/8/2010 by

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

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

October 4, 2010 – Southfield, MI - The Better Business Bureau is warning consumers to be wary of free trial offers online for diet pills, work at home jobs and teeth whiteners among other products and services. In this year alone, BBB has received thousands of complaints from consumers across the country who thought they were getting a free trial, but ended up losing often hundreds of dollars in recurring credit or debit card charges.

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

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

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

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

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

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Visit www.easternmichiganbbb.org for more information.

Don’t Wait Until Retirement to Create A Business Succession Plan

10/8/2010

Posted on 10/8/2010 by

Don’t wait until retirement to create a business succession plan

While it’s not fun for a business owner to think about the impact their death or a disability would have on the company, it is nevertheless important to create a succession plan sooner rather than later. The Better Business Bureau outlines five steps to create a solid succession plan and ensure the stability of the business if something unexpected should happen.

A business succession plan is extremely vital to ensure the stability of the business and avoid paying to many taxes or damaging the family finances, but many small business owners lack one. According to a 2008 PNC Bank survey of business owners, 77 percent had a will but only 33 percent had a succession plan for their business.

“While your retirement may seem far off, you should plan for the unexpected by taking the time to create a thorough succession plan,” said Patrick Bennett, Director of Community Relations. “Waiting until retirement to think about the next generation of the business puts both your family finances and the future success of the company at risk.”

BBB recommends taking the following steps to create a cohesive and comprehensive succession plan:

Have the tough conversations with family and partners.

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 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.

Get professional help. A succession plan isn’t just about naming an heir; it’s also a matter of navigating tax laws and minimizing the financial burden on family members. The financial aspect of a succession plan can be very complex. An attorney and/or financial planner can walk you through the process, make sure you’ve tied up all loose ends and help you ease the potential financial strain on family and the business.

“Over my 30 year career as a financial advisor to business owners, I have found that most business owners plan on selling their business someday but many cannot see that far into the future.” said Ken Grace, President of Financial Architects, Inc. in Farmington Hills, MI. “Most business owners count their business as a large part of their net worth. So by addressing the issue now, strategic planning can determine proper valuation, management transition and security of what the business owner will leave behind. This provides the peace of mind all entrepreneurs strive for every day.”

Think about the staff. A succession plan isn’t just about tending to finances and ownership. It is also about management and making sure the company can run smoothly in your absence. Make sure that your staff is trained to carry on without you—this includes the high-level strategic plan and the day to day basics of making the business work. Consider creating basic succession management plans for key staff to ensure continuity in service and productivity should someone else depart.

Think about the customers. Customer loyalty for a small business often rests heavily 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 have built in your company should you leave. Encourage relationships between customers and other staff so that they know that the business is more than just you.

Update the plan every few years. Revisit and revise the plan every few years. Make sure it continues to reflect the current status of the business as well as your family situation.

For more trustworthy small business advice, visit us online at http://detroit.bbb.org/Business-Resources/

BBB Business Card Exchange FREE Networking Event

10/5/2010

Posted on 10/5/2010 by

Five Steps to Take When a Collector Comes Calling for a Debt You Don’t Owe

9/28/2010

Posted on 9/28/2010 by

Five Steps to Take When a Collector Comes Calling for a Debt You Don’t Owe

If a debt collector is contacting you about a debt you know you don’t owe, explaining your case can be an uphill battle. Whether it’s a matter of mistaken identity, an honest error or identity theft, the Better Business Bureau recommends taking five steps to fight back against erroneous debt collectors.

According to a 2010 report, the FTC received 119,364 complaints about third-party and in-house debt collectors last year, up from 104,766 in 2008. While complaints can be about any number of issues, trying to collect on a debt the consumer doesn’t owe is common. In a recent example, the FTC reached a million-dollar settlement with Credit Bureau Collection Services over accusations that the collection agency violated federal law by inaccurately reporting credit information and pressing consumers to pay debts they often did not owe.

“It can be an exhausting process to set the record straight on a debt you don’t actually owe,” said Patrick Bennett, BBB Director of Community Relations. “Because debts are often sold and resold to many different collection agencies over time, you may have to make the same case every few years when the debt trades hands again.”

If you’re receiving calls for a debt you don’t owe, it could be a case of mistaken identity. Perhaps you share the same name, or even inherited an old phone number of the person who actually owes the debt.

You could also be the victim of zombie debt—it could be that you paid the original debt off but it wasn’t recorded as paid, or the statute of limitations on the debt has expired and the debt collector is trying to get you to pay for a debt you can no longer be taken to court over.

A final common cause of being hounded for a debt you don’t owe is fraud. It could be that you have become a victim of identity theft and someone is opening up new lines of credit or buying items using your good name. Additionally, the “debt collector” calling could actually be an identity thief who is trying to get you to divulge personal financial information such as Social Security, bank and credit card numbers.

If you’re being pursued for a debt you don’t think you owe, BBB recommends taking the following five steps:

1. Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. If you would like to get verification of the debt, send a written request to the debt collector within 30 days after you receive the validation notice. This written proof can help you determine if the callers are actually identity thieves, or if you really do owe the debt. Once you have the name and contact information for the agency, confirm they are a legitimate debt collector with your BBB at www.easternmichiganbbb.org. After you confirm that you don’t owe the debt, advise the debt collector you do not owe the debt and advise them to stop contacting you (see step 4).

2. Correct any errors. After confirming you do not owe the debt, you may want to correct any incorrect submission related to the debt captured on your credit report. Contact the company that has provided the information to the reporting bureau by writing a detailed letter and include copies of pertinent documents which back your case. The FTC provides additional information on how to report errors at www.ftc.gov.

3. Weed out fraud and errors. Check your credit report with the three major credit reporting bureaus, Experian, Equifax and Transunion every year by visiting www.annualcreditreport.com. If you’ve been the victim of fraud or identity theft, you may also be eligible to view your reports for free. By keeping a close eye on your credit reports, you’ll be able to more quickly identify fraudulent activity or mistakes and make corrections before the debt collector calls.

4. Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. After confirming you do not owe the debt in question, you may cease all contact from the debt collection company by sending a letter (via certified mail) to the debt collector advising them to cease contact. Keep a copy of the letter and the return receipt for verification purposes. Any further contact to you from the debt collector except to advise you there will be no further contact, or to inform you that the agency is filing legal action, is a violation of the FDCPA.

5. File a complaint with the Federal Trade Commission. Familiarize yourself with the consumer protections provided under the Fair Debt Collection Practices Act. Included are rules that debt collectors may not make false or deceptive claims and must investigate the validity of a dispute over a debt. If a debt collector violates the law, report them to the FTC—the federal government’s agency overseeing fair debt collection practices. You should also file a complaint with your BBB at www.easternmichiganbbb.org.

Mark Cavin, Vice President of Asset Acceptance Capital Corp. (NASDAQ: AACC), a Michigan headquartered accounts receivable management company explains; “that when contacted about an alleged debt, communicating knowledgeably and effectively with a debt collector can help you resolve the debt.” Mary Arraf, Senior Communications Specialist added, “It is important for consumers to know their rights and equally important to let them know that communication, regardless if it is a dispute, is essential in order to resolve any concerns.”

For more information on taking control of your debt and managing credit effectively, check out BBB’s Managing Credit – Made Simpler.

Be Brainy and Beautiful—Don’t Get Taken by a Modeling Scam

9/27/2010

Posted on 9/27/2010 by

Be Brainy and Beautiful—Don’t Get Taken by a Modeling Scam

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

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

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

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

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

Before signing up with a modeling or talent agency:

Do your research – Always check the company out with your Better Business Bureau. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the company meets those requirements if applicable.
Beware of big promises and high pressure sales pitches – In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and big earnings or uses high pressure tactics to get you to sign up without thinking it through first.
Read the fine print and get everything in writing – Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.
Get references – Ask for references from other satisfied clients who have a similar background and qualifications.
Complain if you’ve been ripped off – If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB, State Attorney General and the FTC.

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

Shop Til Rates Drop

9/23/2010

Posted on 9/23/2010 by

Find a Roofer You Can Trust and Avoid Fraudulent Storm Chasers

9/22/2010

Posted on 9/22/2010 by

Find a Roofer You Can Trust and Avoid Fraudulent Storm Chasers

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.

Every year, homeowners research the trustworthiness of roofing contractors with BBB more than 2 million times—more than any other industry. Unfortunately, last year alone, BBB received more than 7,600 complaints about roofers from unsatisfied customers.

“Hail and wind damage from violent storms has taken a toll on homes across the country this summer and the cost of repairs can be in tens of thousands of dollars,” said Patrick Bennett, BBB Director of Community Relations. “When you’re spending that kind of money, it’s worth it to take your time and find a roofer you can trust.”

One company receiving hundreds of complaints this summer is American Shingle & Siding Inc. The company has solicited homeowners—often door to door—across the South and Mid Atlantic. A common sales tactic BBB has learned from complaints is to tell the homeowner that their roof is severely damaged—such as from hail—and that their insurance company will likely cover the cost. The homeowner is then required to sign a contract saying that they will hire American Shingle for the job.

Unhappy homeowners have complained that they signed over the check to American Shingle and the job was never completed, wasn’t completed on time or was poorly executed. The company recently announced that it is going out of business, but BBB warns that the roofer and its suspect business model might resurface under a different name.

When looking for a roofer you can trust, BBB recommends that homeowners:

Start Your Search with BBB. In addition to having Reliability Reports on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy 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. Also ask the business for references from recent jobs. Confirm whether or not the roofer will be subcontracting the job or relying on his or her own employees.

Beware of Storm Chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door to door, in unmarked trucks. They might require advance payment and make big promises 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 the red flags. Beware of any contractor that uses high pressure sales tactics or requires full payment upfront. Also avoid contractors that require you to get the necessary permits.

For more advice on hiring professionals you can trust, visit us online at http://detroit.bbb.org/consumer-tips-home/.

Scammers Target Job Hunters in Weak Economy, Warns Better Business Bureau

9/10/2010

Posted on 9/10/2010 by

Scammers Target Job Hunters in Weak Economy, Warns Better Business Bureau

Stay safe on the hunt by looking for seven red flags

September 9, 2010 – Southfield, MI - As the unemployment rate hovers around 10 percent, the Better Business Bureau warns that scammers are taking advantage of the opportunity by preying on the unemployed. Identifying the common red flags of a scam is one way for job hunters to protect themselves and their wallet.

According to the Labor Department, new jobless claims in mid-August unexpectedly jumped to 500,000, an increase of 12,000 over the previous week. Not only did jobless claims rise suddenly, but the length of unemployment is bleak for many. According to a July report from the Bureau of Labor Statistics, nearly 45 percent of unemployed Americans had been out of work for more than 6 months.

“The dismal employment rate means that a lot of people are desperate for work and may be grasping for any job which creates a great opportunity for scammers,” said Melanie Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag: The employer offers the opportunity to become rich without leaving home
While many legitimate businesses allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money conveniently at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.easternmichiganbbb.org.

Red Flag: The employer asks for money upfront
It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. Always research the job thoroughly before opening up your wallet. Also be wary of job placement companies that ask for large upfront fees to find you a job.

Red Flag: The salary and benefits offered seem too-good-to-be-true
The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little work and no experience necessary in order to lure unsuspecting job hunters into their scam.

Red Flag: Employer e-mails are rife with grammatical and spelling errors. Online fraud is often perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Red Flag: The employer requires you to check your credit report
After posting their resumes online or responding to online job listings, many job hunters received what they thought was good news: an e-mail from an interested employer. In order to be considered for the job, the applicant has to check his or her credit report through a recommended website. The truth is the e-mail is just an attempt to get the job hunter to divulge sensitive financial information or sign up for credit monitoring services.

Red Flag: The employer is quick to ask for personal information such as Social Security or bank account numbers
Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork, suspicions were raised – and rightly so. Regardless of the reason, a job applicant should never give out his or her Social Security or bank account numbers over the phone or email and only after they’ve confirmed the job is legitimate.

Red Flag: The job requires you to wire money through Western Union or MoneyGram or receive and forward suspicious goods
Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers. BBB also warns against receiving and mailing suspicious goods—such as electronics or luxury items—overseas.

Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

About Better Business Bureau
The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, your BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. Your BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Jackson/Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Visit www.easternmichiganbbb.org for more information.

Michael Jeffreys Coming to the BBB

8/30/2010

Posted on 8/30/2010 by

BBB Warns of Internet Loan Scam

8/25/2010

Posted on 8/25/2010 by

BBB Warns of Internet Loan Scam

August 20, 2010 Southfield, MI- The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula has received several complaints over the last few days from people across the country inquiring about a company identified as BENCHMARK FOUNDATION, allegedly located in Hartland, Michigan, and doing business online at http://www.benchmarkfoundation.com. Consumers are informing the BBB that they apply for a loan online then receive an approval notification for a secured loan anywhere from a few thousand dollars to $30,000.00. They are then asked to wire a down payment to Ontario, Canada in order to cover the first few monthly loan payments. Consumers complain that they are unable to contact BENCHMARK FOUNDATION after they have wired the money.

The Michigan Office of Financial & Insurance Services has informed the BBB that BENCHMARK FONDATION is not an active Michigan corporation and that it does not have a valid license to provide lending and financial services in Michigan. The address provided is reportedly non-existent and the BBB report is being revised to reflect the BBB’s current investigation.

Recent BBB investigations reveal an increase in bogus loan brokers who are impersonating legitimate lenders. They make illegal use of the names, logos and/or addresses of reputable financial institutions or organizations that have no affiliation or connection with the fraudulent operation.

Signs that the “Lender” is a Scammer

Pressures you to act immediately.
“Guaranteed” loans, even if you have bad credit, no credit or a bankruptcy.
Refuses to provide its street address location.
Demands that you wire or send money before you have a loan offer confirmed in writing.
Written communications contain typos and grammatical errors.
When you telephone, no one is ever “in”; your calls are not returned, or the voicemail box is always “full.”

Victims of bogus loan brokers are encouraged to file a complaint with the BBB (www.bbb.org) or 248-223-9400. While the chance of recovering the payment fee is minimal, victims can provide information to help BBBs warn consumers and assist government investigations.

BBB Warns of Another Advance Fee Loan Scam

8/12/2010

Posted on 8/12/2010 by

BBB Warns of Another Advance Fee Loan Scam

August 9, 2010 Southfield, MI- The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula has received several complaints over the last few weeks from people across the country inquiring about a company identified as FIRST NATIONAL FINANCIAL CORP., allegedly located on Grand River Avenue in Brighton, Michigan. Consumers are informing the BBB that they have been approved for a secured loan of $30,000.00 at a 7% interest rate with a required collateral deposit of $1210.00 which is to be wired to Ontario, Canada in order to receive their loan.

The Michigan Office of Financial & Insurance Services has informed the BBB that FIRST NATIONAL FINANCIAL CORP. is not an active Michigan corporation and that it does not have a valid license to provide lending and financial services in Michigan. The address provided is that of a former location for 1^st Financial Lending which is a legitimate Michigan corporation located in Troy, MI. 1^st Financial Lending alerted the BBB to the use of their address and has no affiliation to the fraudulent operation.

The BBB report is being revised to reflect the BBB’s current investigation.

Signs that the “Lender” is a Scammer

Pressures you to act immediately.
“Guaranteed” loans, even if you have bad credit, no credit or a bankruptcy.
Refuses to provide its street address location.
Demands that you wire or send money before you have a loan offer confirmed in writing.
Written communications contain typos and grammatical errors.
When you telephone, no one is ever “in”; your calls are not returned, or the voicemail box is always “full.”

The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

10 Ways to Spot Work at Home Scams

8/12/2010

Posted on 8/12/2010 by

Beware of “jobs” or “business opportunities” that seem to offer high pay for work you can do at home. Often these programs are bogus.

Common scams involve package forwarding, Internet searches or advertising, envelope stuffing, medical billing, discount or coupon programs, rebate processing, distributorships, sales, or the purchase of special equipment or software to start businesses.

Many people lose large sums of money through work at home scams. Some versions of these scams - like package forwarding – might also involve the victim in crimes such as identity theft and handling of stolen merchandise.

Here are 10 tip-offs that the “opportunity” could be a scam:

1. Big bucks for simple tasks. Watch out if they promise to pay you a lot of money for jobs that don’t seem to require much effort or skill. Sound too good to be true? It might be a scam.

2. Job offers out of nowhere from strangers. If they offer you a job without getting an application from you first, meeting you, or doing an interview, it’s probably a scam. Don’t hand your personal employment information to such folk (especially your Social Security number!). That could lead to identity theft.

3. Requests for up-front payments. If someone wants you to make an advance payment to “get in” on the ground floor of a new business opportunity - especially if it’s a big investment, or you don’t have much information about the deal - this is a big red flag. Don’t do it. “Advance fee scams” are very common and they come in many varieties.

4. They ask you to wire the money. If you wire a payment to somebody, it’s gone forever. Wire transfers of money are a convenient and perfectly legitimate service. But scam artists often ask you to wire payments that they are requesting (especially to destinations in other countries!) because they know you won’t be able to get your money back.

5. High pressure to do it now. Don’t be in a hurry to accept an unsolicited offer of work, or to make a business investment, particularly if the other party is asking you to spend your money on the deal. Take your time. If somebody tries to convince you that this is a “limited time” offer and you have to act now, just tell them to forget it. Ignore anybody who pushes you to agree. High pressure is a big sign that something’s wrong.

6. Refusal to give you full details in writing. Ask for complete information in writing. Request proof of any claims. Look carefully at any documentation they might provide to make sure it answers all your questions. If they won’t give details, or don’t respond to questions, don’t do business with them.

7. References are missing or a bit suspicious. A real business should be able to give you many professional references – not just a few. Be sure to ask for references and check them yourself. Don’t be swayed by a few written testimonials that sound fabulous. Even if the references seem good, don’t make your decision based on references alone. Do a careful background check. For starters: try a web search on the company name and see what comes up.

8. Contact information is missing or doesn’t make sense. Be very cautious if a company is trying to get you to accept a job or do business, but seems to lack any established physical location with a real street address. A cell phone number and website address are not enough contact information. If there’s no street address, look out! (P.O. boxes are not comforting – scammers often rent them, and move on quickly.) If there is an address, it’s worth taking a moment to check it on the Internet. It’s common for phony operations to claim they are at an address that is not their true location. Nowadays we have online tools like Google Street View photos of address locations and “whois” website owner lookups that may be helpful.

9. They want you to buy a bunch of expensive stuff. If they expect you to make a major purchase of equipment, software, inventory, or information in order to get started in business, be very careful. Often these are the most persuasive kinds of scams. It seems like it might be a real business opportunity – but it’s not. Here’s what happens: the buyer makes the purchase and never receives the things needed to set up the business. You can avoid this situation! Check the business out completely before you send a dime.

10. It’s got a bad rating with the BBB! Victims do complain to the BBB about work at home scams. It only takes minutes to check a company’s record with us at www.bbb.org. Do the search. Or call the BBB if you want help figuring out whether you are looking at a scam. It could save you a fortune. If you’ve been victimized, file a complaint with BBB! Other organizations can help too: your city government’s department of consumer affairs; your state attorney general’s office; and the Federal Trade Commission (FTC).

FTC Issues Final Rule to Protect Consumers in Credit Card Debt

8/11/2010

Posted on 8/11/2010 by

FTC Issues Final Rule to Protect Consumers in Credit Card Debt

This information is provided under a cooperative agreement between the Better Business Bureau and the U. S. Federal Trade Commission (FTC), which has prepared this information.

Amendments to Telemarketing Sales Rule Prohibiting Debt Relief Companies from Collecting Advance Fees Will Take Effect in October 2010

Starting on October 27, 2010, for-profit companies that sell debt relief services over the telephone may no longer charge a fee before they settle or reduce a customer’s credit card or other unsecured debt.

“At the FTC we strive every day to make sure America’s middle class families get straight deals for their dollars,” Chairman Jon Leibowitz said. “This rule will stop companies who offer consumers false promises of reducing credit card debts by half or more in exchange for large, up-front fees. Too many of these companies pick the last dollar out of consumers’ pockets – and far from leaving them better off, push them deeper into debt, even bankruptcy.”

Three other Telemarketing Sales Rule provisions to take effect on September 27, 2010, will:

· require debt relief companies to make specific disclosures to consumers;

· prohibit them from making misrepresentations; an

· extend the Telemarketing Sales Rule to cover calls consumers make to these firms in response to debt relief advertising.

The Final Rule covers telemarketers of for-profit debt relief services, including credit counseling, debt settlement, and debt negotiation services. The Final Rule does not cover nonprofit firms, but does cover companies that falsely claim nonprofit status. Over the past decade, the FTC and state enforcers have brought a combined 259 cases to stop deceptive and abusive practices by debt relief providers that have targeted consumers in financial distress.

Advance Fee Ban

The Final Rule contains specific requirements for debt relief providers related to charging an advance fee before providing any services. It specifies that fees for debt relief services may not be collected until:

· the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;

· there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and

· the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

To ensure that debt relief providers do not front-load their fees if a consumer has enrolled multiple debts in one debt relief program, the Final Rule specifies how debt relief providers can collect their fee for each settled debt. First, the provider’s fee for a single debt must be in proportion to the total fee that would be charged if all of the debts had been settled. Alternatively, if the provider bases its fee on the percentage of what the consumer saves as result of using its services, the percentage charged must be the same for each of the consumer’s debts.

Dedicated Account for Fees and Savings

Another new provision of the Final Rule will allow debt relief companies to require that consumers set aside their fees and savings for payment to creditors in a “dedicated account.” However, providers may only require a dedicated account as long as five conditions are met:

· the dedicated account is maintained at an insured financial institution;

· the consumer owns the funds (including any interest accrued);

· the consumer can withdraw the funds at any time without penalty;

· the provider does not own or control or have any affiliation with the company administering the account; and

· the provider does not exchange any referral fees with the company administering the account.

Disclosures and Prohibited Misrepresentations

Under the Final Rule, providers will have to make several disclosures when telemarketing their services to consumers. Before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

The Final Rule also prohibits misrepresentations about any debt relief service, including success rates and whether the provider is a nonprofit entity. The FTC’s Statement of Basis and Purpose, which accompanies the Final Rule, provides extensive guidance about the evidence providers must have to make advertising claims commonly used in selling debt relief services.

The Rulemaking Process

In August 2009, the FTC published in the Federal Register a notice of proposed rulemaking proposing amendments to the Telemarketing Sales Rule and requesting public comments. Over 300 commenters, representing a wide variety of stakeholders, submitted comments in response. The Commission also held a public forum on the proposed amendments on November 4, 2009. The FTC developed the Final Rule based on the public comments, the record of the public forum and the FTC’s September 2008 Workshop on the debt settlement industry, recent testimony before Congress, and law enforcement actions brought by the Commission and the states.

Information for Businesses

Today, the FTC staff issued a compliance guide to help businesses comply with the new debt relief rules. The compliance guide describes the key changes to the Telemarketing Sales Rule affecting debt relief services, helps businesses determine if they are covered by the new rules, details information that covered entities must disclose to customers, and discusses how fees may now be collected. It can be found at http://www.ftc.gov/bcp/edu/pubs/business/marketing/bus72.pdf on the agency’s website and is linked to this press release.

The FTC vote approving publication of the Federal Register notice was 4-1, with Commissioner J. Thomas Rosch voting no. The notice will be published in the Federal Register shortly, and is available now on the FTC’s website at http://www.ftc.gov/os/2010/07/R411001finalrule.pdf . The provisions of the Final Rule will take effect on September 27, with the exception of the advance fee ban provision, which will take effect on October 27.

BBB Warns Against Five Scams Targeting Senior Citizens

8/4/2010

Posted on 8/4/2010 by

Fraud targeting senior citizens is a growing concern as millions have fallen victim to scammers. Better Business Bureau encourages families to keep the lines of communication open with their elders regarding finances and to recognize some common cons targeting senior citizens.

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older-- have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

“Having a serious conversation with your elderly parents about how they are managing their money is not easy, but it is extremely important in order to help protect them from unscrupulous crooks,” said Patrick Bennett, BBB spokesperson. “It’s extremely important to keep the lines of communication open so that you can identify suspicious spending habits, as well as educate your elder family members on recognizing the red flags of common cons.”

BBB warns against the following five scams that commonly target senior citizens:

Sweepstakes and Lottery Scams –Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

· BBB Advice: Never wire money to someone you don’t know. You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice – Find professionals you can trust by checking out http://www.bbb.org/eastern-michigan/accredited-business-guide/. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: www.easternmichiganbbb.org.

Three Easy Steps to Dispose of Office Electronics Safely

8/2/2010

Posted on 8/2/2010 by

Three Easy Steps to Dispose of Office Electronics Safely

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

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

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

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

Step 1: Identify hazardous and data-sensitive electronics

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

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

Step 2: Destroy Sensitive Data

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

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

Step 3: Dispose Properly

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

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

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

New Overdraft Rules for Debit and ATM Cards

8/2/2010

Posted on 8/2/2010 by

On July 1st new rules went into effect concerning overdrafts on your debit or ATM cards. You now get to choose in advance what happens when you make a charge on your debit or ATM card and don’t have enough money in your account to pay for it.

Let’s say you buy something with your debit or ATM card but haven’t been keeping track of how much you have in your account. It turns out you don’t have enough money in there, which means the withdrawal will lead to an overdraft. According to the Federal Reserve Board Web site http://www.federalreserve.gov/consumerinfo/wyntk_overdraft.htm there are usually two ways that banks deal with an overdraft:

Standard overdraft practices. Your bank will cover your transaction for a flat fee of about $20-$35 each time you overdraw your account. For example, if you make a purchase with your debit card for $150 but only have $100 in your account, your account will be overdrawn by $50 and your bank will charge you a fee. If you then make an ATM withdrawal for $50, your account will be overdrawn by $100 and you will be charged another fee. In this example, if the fee your bank charges for its standard overdraft practices is $30, you will pay a total of $60 in fees on $100 in overdrafts.
Overdraft protection plans. Your bank may offer a line of credit or a link to your savings account to cover transactions when you overdraw your account. Banks typically charge a fee each time you overdraw your account, but these overdraft protection plans may be less expensive than their standard overdraft practices.

So what’s different under the new rules? Basically, your bank has to give you the option to choose how the bank will deal with an overdraft from you. In the past, some banks automatically enrolled you in a standard overdraft program when you opened an account with them. Now, the bank has to ask your permission and you have to opt in. If you don’t opt in, beginning August 15th, 2010, your bank’s standard overdraft practices won’t kick in when you charge too much. Instead, the transaction will typically be declined when you don’t have enough in your account to cover it. You won’t be charged an overdraft fee, but you also won’t be able to complete the purchase or withdrawal, either.

If you have an existing account that was opened any time before July 1st, you are supposed to get a notice from your bank about their standard overdraft practices, asking if you want them to continue or not. If you open an account after July 1st, you will be asked if you want to opt in or out when you fill out the initial paperwork. Whichever way you decide, you can change your mind at any time.

Warning: If you write checks or set up automatic bill payment from your checking account, the new rules do not cover checks or automatic bill payments. Your bank can still automatically enroll you in their standard overdraft practices for those types of transactions. If you don’t want that to happen, contact your bank, but you may find that you don’t have the option to cancel.

As always, it pays to shop around when you open a checking account. Banks could lose significant revenue if a majority of customers now opt out of overdraft protection, so down the road certain banks may decide to charge their customers new fees to make up for that loss of revenue. Always be aware of the terms of service of your account, and that includes reading those updates that come in the mail! If you don’t like your bank’s terms, you may want to shop for a bank whose fee structure you like better.

BBB Warns of Advance Fee Loan Scam

7/28/2010

Posted on 7/28/2010 by

BBB Warns of Advance Fee Loan Scam

July 27, 2010 Southfield, MI- The Better Business Bureau Serving Eastern Michigan and the Upper Peninsula has received several complaints over the last few days from people across the country inquiring about a company identified as COLTON FINANCIAL, allegedly located in Farmington Hills, Michigan, and doing business online at http://www.coltonfinancial.com. Consumers are informing the BBB that they have been approved for a secured loan of $5,000.00 if they wire a down payment of $806.00 to Ontario, Canada in order to cover the first few months loan payments or opt for insurance coverage at $1,500.00. Consumers complain that they are unable to contact COLTON FINANCIAL after they have wired the money.

The Michigan Office of Financial & Insurance Services has informed the BBB that COLTON FINANCIAL is not an active Michigan corporation and that it does not have a valid license to provide lending and financial services in Michigan. The address provided is that of a resident of Farmington Hills and not a business or home based business.

The website, http://www.coltonfinancial.com, displays an under construction page. The BBB report is being revised to reflect the BBB’s current investigation.

Signs that the “Lender” is a Scammer

Pressures you to act immediately.
“Guaranteed” loans, even if you have bad credit, no credit or a bankruptcy.
Refuses to provide its street address location.
Demands that you wire or send money before you have a loan offer confirmed in writing.
Written communications contain typos and grammatical errors.
When you telephone, no one is ever “in”; your calls are not returned, or the voicemail box is always “full.”

The Better Business Bureau Serving Eastern Michigan is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Warns of Amazon.com Scam

7/23/2010

Posted on 7/23/2010 by

BBB Warns of Amazon.com Scam

The Better Business Bureau warns consumers of a potential phishing scam being conducted by someone sending out e-mails purporting to be from online retailer Amazon.com. The fraudulent e-mails appear to be from Amazon.com and say “thanks for your order.” The e-mail contains an order number, total price and a link to view the order.

A consumer who received one of the e-mails contacted Amazon.com and was told that the company has received calls from other consumers who have received similar e-mails. The BBB said the e-mail likely was sent out in an attempt to get consumers to enter personal information that could be used to steal identities or credit card information.

Amazon.com asks anyone who receives one of the fraudulent e-mails to forward it to stop-spoofing@amazon.com. For legitimate online purchases, Amazon.com will not ask for social security numbers or tax identification numbers, credit card or debit card pin numbers, passwords or password clues. The company also does not ask consumers to verify or confirm Amazon.com account information by clicking on an e-mail link, and it does not send order confirmations or other unsolicited requests with attachments. Grammatical and typographical errors also are an indication that an e-mail might not be legitimate, and Amazon does not use Web addresses such as http://security-amazon.com, or an Internet Protocol address followed by directories such as http://123.456.789.123/amazon.com.

Beware of Storm Chasing Repair Services

7/19/2010

Posted on 7/19/2010 by

Beware of Storm Chasing Repair Services

BBB Warns Consumers to Keep Fly-by-Night Contractors from Flooding Their Wallets

Southfield, MI - Recent severe weather systems left many consumers and businesses in need of repair work on their homes and offices. BBB warns that, while many repair services and contractors have the best intentions in mind, others take advantage of desperate consumers and business owners in the aftermath of severe weather.

BBB offers the following Dos and Don'ts for selecting a reputable contractor:

Do:

· Check with BBB to find a reliable contractor. Many times scam artists flock to severe weather disasters and move on, making them difficult to trace.
· Get bids from at least three companies and ask for referrals.
· Agree to a price before work begins, be specific with all repairs to be made and make sure all expectations and promises are in writing.
· Call your insurance company before work begins to make sure all necessary procedures are followed according to your policy. If you do not follow your insurance company’s guidelines, you may be stuck with the entire bill. A common form of insurance fraud occurs when a contractor offers to overlook or pay a consumer’s deductible.

Don’t:

· Pay large sums of money up front, even just for materials. Arrange to pay upon delivery of the supplies and materials.
· Let payments get ahead of the work performed. Work with the company ahead of time to agree upon a timeframe to make payments that coincide with the progress of the project.
· Give into high-pressure sales techniques, such as, “the price is only good today.” Take your time to make an educated decision, especially if someone is soliciting jobs door-to-door.

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

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

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

Contact BBB serving Eastern Michigan and the Upper Peninsulas at (248) 223-9400.

Job Seekers Beware of Bogus Job Postings on the Internet

7/15/2010

Posted on 7/15/2010 by

Job Seekers Beware of Bogus Job Postings on the Internet

Job seekers beware! Bogus foreign companies are advertising in help wanted ads on Internet job sites like Monster.com, CareerBuilders.com or Yahoo HotJobs and CraigsList.com. The ads claim to be looking for a "Secret Shopper" to work for Dow Chemical, Inc. in Midland, MI.

In one scenario a job applicant upon application, received an e-mail reply stating the applicant would be paid $300 for every duty carried out, a bonus on transportation allowance, and funds would be given for dining expenses. They also claim that no commitment is made on this job, and the applicant would have flexible hours only 2-3 hours twice a week. Finally the company claims they are registered by the appropriate authorities and are licensed to operate under legal and licensed organization of the Better Business Bureau of the U.S.A. Job seekers are asked to forward additional personal information by e-mail if they are interested in the position. The reply e-mail address is based with an organization operating in the United Kingdom.

Dow Chemical states that these job postings do not come from them. They do not post job openings on internet websites like CraigsList.com. They only take applications through their corporate website.

The Better Business Bureau offers the following tips to help job seekers avoid these types of scams:

· Do not be fooled by official-sounding corporate names. Some scam artists operate under names that sound like those of long-standing, reputable firms.

· Be skeptical of any “Secret Shopper”, “Mystery Shopper, or “Investigative Shopper” companies that appear to be located outside of the United States.

· Never forward or transfer money from any of your personal accounts on behalf of your employer. Also, be suspicious if you are asked to “wire” money to an employer. If a legitimate job requires you to make money transfers, the money should be withdrawn from the employer’s business account, not yours.

· Do not give out your personal financial information. A potential legitimate employer will not request your bank account, credit card or Paypal account number. Only provide your banking information if you are hired by a legitimate company and you choose to have your paycheck direct deposited.

· Do not fax copies of your ID or Social Security number to someone you have never met. Credit checks and fake IDs can be obtained with this information. Only give these documents to your employer when you are physically at the place of employment.

· Be skeptical of job postings that appear too good to be true.

· If you have questions about the legitimacy of a job listing, contact your Better Business Bureau, your state or local consumer agency or the Federal Trade Commission.

Scammers Use Fake E-mails Urging Friends and Family Members to Wire Money

7/12/2010

Posted on 7/12/2010 by

Social networking is at an all time high and so are scams surrounding it. The IC3 (Internet Crime Complaint Center) continues to receive reports of scammers hacking personal internet accounts to swindle friends and family members.

Scammers steal the identity of an individual through a social networking or e-mail account and proceed to send out an e-mail to all their contacts and friends stating they have been robbed and are currently stranded in a foreign country. The e-mail proceeds to tell everyone they don’t have a passport, credit card, cell phone, or any money and they must pay their hotel bill immediately. The e-mail promises to reimburse anyone who helps them.

Your BBB warns consumers that although an e-mail you receive may seem urgent, always do your homework before wiring any money to a foreign country. Victims of this scam should file a complaint with the IC3 at www.IC3.gov.

BBB Warns Car Shoppers about Online Dealer Scam

7/1/2010

Posted on 7/1/2010 by

Victims lose thousands to scammers posing as dealers online

July 7, 2010 – Southfield, MI - Better Business Bureau is warning car shoppers tobeware 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 Melanie A. Duquesnel, President and CEO of the Better Business Bureau Serving Eastern Michigan and the Upper Peninsula. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

Most recently, one Memphis auto dealer, America Auto Sales (www.memphisautoworld.com), received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the website of the Memphis dealership. The phony website used the name, address and contact information of the real dealer.

The fraudulent website claimed to sell repossessed cars at prices well below market. Buyers were instructed to wire a deposit—as much as $5,000—to an individual rather than the company, which, according to the phony website, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar websites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. The websites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the auspices of another legitimate dealer.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

For more information or to schedule an interview with a BBB spokesperson, contact Patrick Bennett at 248-799-0326.

Consumer Advice: Laser Hair Removal

7/1/2010

Posted on 7/1/2010 by

Consumer Advice: Laser Hair Removal

Dermatologists have been using lasers to remove dark spots, tattoos, acne scars, and other blemishes for over a decade. Laser hair removal to remove unwanted hair has increased in popularity in recent years. This procedure works by the laser passing through the skin to an individual hair follicle. The heat of the laser damages the hair follicle and inhibits future growth. The Mayo Clinic says that hair color and skin type will influence the success of laser hair removal and is most effective for people who have light skin and dark hair because the laser targets the pigment in the hair.

If you are interested in laser hair removal, it is recommended that you schedule a consultation with a doctor who is board certified in dermatology or cosmetic surgery and has experience with laser hair removal. To prepare for the procedure, stay out of the sun. A tan may increase the risk of side effects. Also, avoid plucking, waxing, and electrolysis as this may disturb the hair follicle and interfere with the removal. However, shaving is okay because it preserves the hair shaft and follicle. After the procedure, you may notice redness, swelling, and experience a stinging sensation. While you are healing, wash your skin gently with soap and water and avoid sun exposure for at least a week. The most common side effects of laser hair removal include skin irritation and pigment changes. In rare cases, laser hair removal may cause blistering or scaring.

Laser hair removal does not guarantee permanent hair removal. Results vary from person to person. Some hair may be resistant to the treatment or hair re-growth is still possible. Multiple treatments may be necessary to achieve your desired results. For more information contact the FDA Consumer Health Information.

BBB Small Business Advice: Writing a Privacy Policy

7/1/2010

Posted on 7/1/2010 by

BBB Small Business Advice: Writing a Privacy Policy

Online privacy policies have taken center stage as social networking sites and search engines have recently come under fire for sharing user information. Even if you think your business is too small to merit a privacy policy, the Better Business Bureau advises that if you have a website, you will benefit by having a comprehensive privacy policy.

“Privacy policies are about transparency and are key to building trust between your business and your customers,” said Patrick Bennett, BBB spokesperson. “While it’s easy to get intimidated by the scope and legalese, the bottom line is, you will increase consumer confidence in doing business on your website if you have a clear privacy policy.”

When drafting your website’s privacy policy, BBB recommends using simple language to answer the following five questions:

What information do you collect? – Outline the types of personal information that you collect from customers. This includes home address, e-mail, phone numbers and credit card numbers.

How do you collect the information? – Websites collect information from customers in many different ways. Even if you don’t actually sell goods through your site you might have an e-mail sign-up for a newsletter, an application for credit or install cookies on the visitor’s computer to track their activities. Disclose how data is being collected to show you have nothing to hide.

How do you use the information? – Include background on how you share customer information with third parties such as to process orders. If you sell customer information to marketers, explain what information is sold and how it could be used.

What control does the customer have over their personal information? – Customers need a way to contact your business and control their personal data, whether it’s changing a password on their account or taking their name off of a mailing list. Plan to include a direct phone number or e-mail address that customers can use to manage their information.

How do you protect the information? - Explain how you protect customer data including, but not limited to, website encryption, limiting employee access to sensitive customer data, and server security.

There is no cookie-cutter privacy policy. Your business is unique and your privacy policy should reflect that. Seek legal guidance before you finalize your policy. You are legally liable if you fail to abide by your privacy policy statement or if the statement does not comply with local and national laws.

As your business changes, so should your privacy policy. Plan to revise your policy as your web activities evolve and alert customers when you make revisions affecting their personal data.

For additional free advice on keeping customer data safe visit BBB’s Data Security -- Made Simpler.

Your ID Can be Copied – Literally

6/29/2010

Posted on 6/29/2010 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 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?

More Than 2 Million Cribs Recalled

6/25/2010

Posted on 6/25/2010 by

The U.S. Consumer Product Safety Commission (CPSC), with theThe U.S. Consumer Product Safety Commission (CPSC), with the cooperation of seven firms, is announcing voluntary recalls of more than two million cribs to address drop-side hazards and other hazards that affect the safety of young children.

The recalling firms are providing consumers with free repair kits to immobilize the drop sides or other remedies.

The drop-side and fixed-side crib recalls announced today are of units manufactured between 2000 and 2009 by the companies listed below. Consumers should contact these firms directly for the appropriate remedy:

Child Craft, (this firm is out of business): Fixed-Side | Drop-Side
Delta Enterprise Corp., of New York, N.Y.
Evenflo, of Miamisburg, Ohio
Jardine Enterprises, of Taipei, Taiwan
LaJobi, of Cranbury, N.J.
Million Dollar Baby, of Montebello, Calif.
Simmons Juvenile Products Inc. (SJP), of New London,Wis.

“Cribs should be the safest place in the home for infants and toddlers,” said CPSC Chairman Inez Tenenbaum. “CPSC is committed to addressing the hazards with cribs and to restoring parents’ confidence that their child will have a safe sleep.”

You can find more information here.

Seniors Warned To Beware Of Identity Theft, Rebate Scams On Medicare Prescription Coverage Gap Rebate

6/24/2010

Posted on 6/24/2010 by

CONSUMER ALERT

MIKE COX
ATTORNEY GENERAL

The Attorney General provides Consumer Alerts to inform the public of unfair,misleading, or deceptive business practices, and to provide information and guidance on other issues of concern. Consumer Alerts are not legal advice, legal authority, or a binding legal opinion from the Department of Attorney General.

MEDICARE $250 PRESCRIPTION COVERAGE GAP REBATE

SENIORS WARNED TO BEWARE OF IDENTITY THEFT, REBATE SCAMS

Under the Federal Affordable Care Act, a tax free, one-time $250 rebate check will be mailed to Medicare prescription drug coverage recipients who have reached a gap in their Medicare drug plan's coverage, during which they have to pay for their prescription drugs (the Part D "donut hole"), and aren't already getting Medicare Extra Help. Unfortunately, identity thieves are already pushing scams involving the $250 rebate payment.

The goal of these scams is to obtain personal and financial information, such as Social Security numbers, bank account numbers, and credit card numbers. This information is used by identity thieves to withdraw money from bank accounts, charge credit cards, and apply for new loans or credits cards.

Don't give personal information to anyone who contacts you about the $250 Medicare rebate check.

Anybody contacting you claiming to be from Medicare or asking you for personal identifying information in order to receive a $250 rebate check is a crook.

There are no forms to fill out to receive the rebate check. Eligible recipients do not have to provide any personal information like Medicare, Social Security, or bank account numbers to get the rebate. No action is required by eligible seniors. Medicare will automatically send a check that is made out to the recipient.

Regardless of the scam used, you should remember that Medicare will never do any of the following:

• Call you to ask for your Social Security number, bank account information, or other personal information.

• E-mail you to ask for your Social Security number, bank account information, or other personal information.

• Send you a letter asking you to respond by phone or e-mail.

• Ask you to pay a fee to get your rebate.

INFORMATION ABOUT THE $250 REBATE

Most Medicare drug plans have a coverage gap, (also known as the Part D "donut hole"), during which Medicare recipients have to pay for prescription drugs out-of-pocket, up to a limit. The Explanation of Benefits notice mailed by the drug plan each month when a prescription is filled will state whether the coverage gap has been reached.

Seniors who reach the coverage gap and enter the Part D "donut hole" will receive a onetime rebate check if they are not already receiving Medicare Extra Help. Checks will be mailed beginning in mid-June, 2010, as beneficiaries reach the coverage gap. Checks should be received within 45 days of reaching the coverage gap.

If you don’t receive your check or have other questions about the rebate, contact Medicare at 1-800-MEDICARE (1-800-633-4227); TTY at 1-877-486-2048. Additional information is available at the Web site for Center for Medicare & Medicaid Services,www.medicare.gov under the "What's New" section.

COMPLAINTS

Medicare recipients who have been improperly solicited by a potential scam artist should immediately contact Medicare by calling 1-800-633-4227. Consumers may contact the Attorney General’s Consumer Protection Division at:

Consumer Protection Division
P.O. Box 30213
Lansing, MI 48909
517-373-1140
Fax: 517-241-3771
Toll free: 877-765-8388
www.michigan.gov/ag (online complaint form)

As Summer Temperatures Heat Up Don’t Get Burned by Air Conditioning Scams

6/3/2010

Posted on 6/3/2010 by
As summer temperatures heat up, your local Better Business Bureau is advising consumers not to get burned by air conditioning inspection and repair scams. While most air conditioning service and installation companies are reputable, as the humidity increases there are always a few companies that emerge each season with the goal of taking consumers money for unnecessary repair work or equipment sales. BBB encourages consumers not to give in to high-pressure sales tactics and to always do their homework before committing to spend any money.

“Air conditioners can be one of the more complicated aspects of maintaining your home,” said Melanie Duquesnel, President & CEO of the Better Business Bureau Serving Eastern Michigan. “As such, scam artists will leverage that unfamiliarity of air conditioning to take advantage of the consumer. The best way to defend your pocketbook is by being an educated consumer. Always check out a company with your local Better Business Bureau before accepting any offers and never leave anyone servicing your air conditioning system unattended while at your home.”

Advertisements for “free” air conditioner cleanings or tune-ups tend to pop up this time of year. BBB recommends that consumers be cautious of these opportunities. Complaints received by the BBB show a trend in these circumstances regarding recommendations for more costly repairs than are actually required, high-pressure sales pitches to replace existing units with brand new models, or significantly marking up the price for replacement parts. In other situations, dishonest repair people will remove parts or allow coolant to escape causing the air conditioner to not work properly so that the consumer believes a costly repair or the purchase of a new unit is needed.

“If someone is advertising an offer to clean or service your air conditioner for free they are most likely planning on trying to sell you something else while they are in your home,” notes Lee Weinstein, General Manager for H A Sun Heating & Cooling Inc., a BBB Accredited Business since 1987. “There is a difference between sending a technician out to provide a free estimate or quote as part of the sales process, which many reputable businesses do, and trying to trick a consumer by allegedly offering a free service with the overall intent of gaining access to their home in order to defraud them or make a high pressure sales pitch. Anytime someone is faced with a pricey repair or new air conditioner purchase, we recommend getting at least three quotes before you make a final decision.”

BBB recommends consumers take the following steps to ensure they are getting the proper service for their air conditioner problems:

• Troubleshoot: Before calling for service, check a few basic things out yourself first. Is your thermostat operating properly? Has the electrical breaker powering the unit tripped? Does your system have a winter power shut off switch that needs to be flipped? Are the air in-take screens or filters on your outside unit dirty or blocked and need to be cleaned? Sometimes there are minor, inexpensive things you can do yourself to alleviate a problem and avoid paying for a service call or repair.

Air conditioners are complex machinery, don’t take them apart or try to repair them on your own or you could end up doing more damage which could result in a more expensive repair. Leave the servicing of your air conditioner to a licensed professional.

• Warranty Issues: Is your air conditioner still under manufacturers’ warranty? Sometimes using unauthorized service companies or replacement parts can void your warranty. Be sure to check your owners’ manual or warranty for any special conditions to avoid unnecessarily paying for any future repairs that might otherwise be paid for under the warranty.

• Start With Trust: Check out service contractors with your local Better Business Bureau at www.bbb.org or by calling 248-223-9400. Make sure to use a BBB Accredited Business or at the very least, one that has a good rating with BBB.

• Written Estimates: Don’t be satisfied with verbal promises. Demand a written estimate that notes what is wrong with your air conditioner, what the entire cost to repair or replace the unit will be, and the printed and signed name of the repair person. If they are recommending purchasing a new system, also require the estimate include its make, model, serial number, and system capacity.

• Obtain Multiple Quotes: Obtain more than one written quote before you allow work to be completed on your air conditioner or purchase a new one. Quotes should include a full description of the services and materials to be used so you can adequately compare them; this includes the air conditioner’s size and units of energy (BTU) as well as the calculated cooling capacity of your home. Also compare all available warranties. Not all warranties are the same so they should be included in your evaluation process.

• Be Vigilant: Protect your home and your valuables by never leaving unknown workers alone in your home. Keep valuables out of sight and locked up when you have a contractor doing work. Avoid paying cash and write checks out to the name of the business rather than payable to the employee or another individual. Some unethical employees and subcontractors steal from consumers by convincing them to write checks directly to them rather than the company that was hired. Consumers are than still liable to pay the company they hired to do the work or face a lien against their property. A cancelled check is a useful form of evidence to prove you actually paid your bill.

Make sure the business has a mechanical contractor’s license with the State of Michigan. You can check to see if someone is licensed online at http://www7.dleg.state.mi.us/bcclicense/ or by calling (517) 241-9288. Additionally, check that the company is insured against claims covering worker’s compensation, property damage, and personal liability in case in accident occurs on your property. Call to verify the contractor’s insurance coverage after obtaining the name of the carrier and agency. Ask the provider to send you proof of coverage for your records.

• Annual Inspections: Paying for an annual inspection with a qualified repair shop to check the compressor, moving parts, coolant levels, filter, and furnace blower can identify and resolve problems before they become expensive. Having work done before the peak summer busy season can be less costly than when air conditioning service technicians are in high demand.

The Better Business Bureau Serving Eastern Michigan is a non-profit organization that fights fraud and promotes ethical business practices in the local marketplace through its business accreditation, consumer education, and dispute resolution programs. Contact your local BBB by calling 248-223-9400 or by visiting www.bbb.org.

National Small Business Week: Free Online Resources for Entrepreneurs

5/24/2010

Posted on 5/24/2010 by

More than 27 million small businesses serve as the backbone of our economy and provide 60-80 percent of new jobs. In the midst of the recession, many small business owners are struggling to stay in business. As part of National Small Business Week, Better Business Bureau wants small business owners to know that they’re not alone. Following are free resources available online from your BBB and federal agencies for small business owners to help them stay afloat in a tough economy.

BBB Data Security – Made Simpler
BBB partnered with data security experts at Symantec Corporation, Visa Inc., Kroll’s Fraud Solutions and NACHA – The Electronic Payments Associationto produce free, easy-to-understand data security guidelines, with checklists and links to data security resources that make sense for small businesses. BBB’s Data Security – Made Simpler arms small business owners with the information they need to protect their customers…and their business. www.bbb.org/data-security/

BBB TrustBrief
The BBB TrustBrief is a free weekly email for small business owners to help them stay on top of the recent headlines and get the best guidance and expert advice on running a business. You can sign up for a free subscription at www.smartbrief.org/bbb

BBB Tips on Direct Selling
BBB and the Direct Selling Education Foundation have created a series of articles, videos and PSAs to educate direct sellers, their customers and even those considering a career path in direct selling. Free tips and advice you can trust on direct selling are available at www.bbb.org/us/dsef-tips

Business.gov
Business.gov is the U.S. Government's official website for small businesses. Business.gov provides small business owners with information and resources they need to comply with laws and regulations, and to take advantage of government programs and services to help them start, expand and run their businesses. http://www.business.gov/

Federal Trade Commission (FTC)
Wondering what kind of proof you need to back up the claims in your ads? Planning on using email to publicize your company? Thinking about buying a franchise or business opportunity? Concerned about your legal obligation to keep information secure? The FTC has free resources on best practices for complying with the law, many of which you can order in bulk for your employees at no charge. Written with a minimum of legalese, the FTC offers online tutorials, videos, and more than 100 to-the-point publications created with the small business owner in mind: http://ftc.gov/bcp/business.shtm

US Small Business Administration (SBA) Small Business Training Network
A virtual campus housing free training courses, workshops and knowledge resources designed to assist entrepreneurs and other students of enterprise. The Training Network makes SBA's business management resources available 24/7. http://www.sba.gov/training/

SCORE
SCORE is a unique federal government resource that utilizes volunteers, both working and retired, with expertise to advise small businesses, lead business seminars, and coach entrepreneurs online. A resource partner of the SBA for more than 40 years, SCORE has helped more than 7 million businesses succeed and stay active in the local and national small business marketplace. http://www.score.org

Small Business Development Centers (SBDCs)
SBDCs provide management assistance to current and prospective small business owners. SBDCs offer one-stop assistance to individuals and small businesses by providing a variety of information and guidance in central and accessible branch locations. The program is a cooperative effort of the private sector, the educational community and federal, state and local governments. http://www.sba.gov/sbdc/aboutus.html

The National Women's Business Council (NWBC)
The NWBC is a bi-partisan federal advisory council created to serve as an independent source of advice and policy recommendations to the President, Congress and the SBA on economic issues of importance to women business owners. The council's mission is to promote bold initiatives, policies and programs designed to support woman business enterprises at all stages of development in the public and private sector. http://www.nwbc.gov

U.S. Export Assistance Centers (USEACs)
USEACs provide export information and development assistance to help small businesses take advantage of export markets, including trade counseling, training, legal assistance and publications.
http://www.sba.gov/oit/export/useac.html

More advice for small business owners can be found online from the Better Business Bureau at http://www.bbb.org/us/Business-Resources/

Avoid Moving Scams this Summer

5/19/2010

Posted on 5/19/2010 by
Following a few simple rules when looking for a mover will go a long way toward protecting you from being victimized by scammers this summer, advises Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA).

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans -- or about 13 percent -- move to a different home every year, according to the latest U.S. Census Bureau statistics.

Unfortunately, every year, BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

BBB received more than 8,400 complaints against movers in 2009. Complaints to BBB about movers are primarily about damaged or lost goods and final prices in excess of original estimates. In a common worst-case scenario, the moving company will essentially hold the customer’s belongings hostage and require potentially thousands of dollars to unload the truck.

“Virtually anyone with a truck and a Web site can claim to be a mover and they can’t all be trusted to adhere to standards for honesty and ethical conduct,” said AMSA President and CEO Linda Bauer Darr. “When it comes to such an important decision, you can save a lot of heartache by doing just a little homework to track down the companies that put customer service and integrity first. For interstate moves, that means an AMSA certified ProMover.”

“Checking a mover’s credentials is critical and easy. Last year alone, consumers relied on BBB more than 1 million times for finding a trustworthy mover,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB.”

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the Company Thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the Federal Motor Carrier Safety Administration and are assigned a motor carrier number you can verify at www.protectyourmove.gov. Also check the company’s rating with your BBB; BBB maintains more than 17,000 reliability reports on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings that AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization’s Code of Ethics.

Get at Least Three In-Home Estimates. No legitimate mover will offer to give you a firm estimate on-line or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know Your Rights. Research your rights as a consumer with both the state you currently reside in and where you are moving to. Also enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or decides to hold your belongings hostage.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer Web site, www.moving.org; and the U.S. Department of Transportation's site, www.protectyourmove.gov. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org.

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust.

BBB Encourages Small Businesses to Be Proactive in Addressing Data Breaches

5/17/2010

Posted on 5/17/2010 by

As consumers become more educated in protecting their personal information from identity theft, criminals are escalating their efforts to gain the resources necessary to commit these crimes by targeting businesses for their customer records. Data breaches, which are incidents where sensitive, protected, or confidential information has been viewed, stolen, or used by an individual unauthorized to do so, are becoming a growing problem for small businesses.

According to the Identity Theft Resource Center, data breaches in the business sector increased by 41 percent in 2009. Additionally, Visa estimates that approximately 85% of data breaches occur at the small business level. To assist small businesses with addressing this issue, Better Business Bureau (BBB) has partnered with Symantec Corporation, Visa Inc., Kroll’s Fraud Solutions, and NACHA – The Electronic Payments Association to create Data Security–Made Simpler, an online resource to help implement key data security policies and practices.

“Small businesses need to be aware that data breaches can occur from either malicious acts by outsiders or employee errors and mistakes,” said Melanie Duquesnel, President & CEO of the Better Business Bureau Serving Eastern Michigan. “The key to limiting damage and retaining customer trust is to have an action plan in place that works to prevent data breaches and adequately resolves the situation if one occurs. Your ability to keep your customers’ sensitive data secure is a make-it-or-break-it issue in today’s marketplace.”

BBB is encouraging small businesses to take steps to protect their data and also develop a plan of action in order to react quickly to reduce potential damages if a data breach occurs. Resolving a data breach can be costly to a business based, not only because of the time, energy and resources spent resolving the issue, but also due to the number of customers whose trust in the business could be lost in the wake of the breach. Data breach incidents cost U.S. companies on average $204 per compromised record, reports the U.S. Cost of a Data Breach Study released recently by PGP Corporation and the Ponemon Institute. Having an action plan in place for dealing with data breaches also assists businesses with meeting federal and state regulatory requirements.

Under Michigan’s “Identity Theft Protection Act”, any business that suffers a data breach of its sensitive personal records (such as a social security numbers, credit card accounts, or last names linked with birth dates), which could be used for identity theft or result in a loss or injury due to its release, must provide a notice to each individual who is a state resident whose information was accessed or acquired. A violation of Michigan’s notice requirement is punishable by a fine of $250 for each failure to provide notice, not to exceed $750,000.

The Federal Trade Commission (FTC) has postponed begining enforcement of its “Red Flags” Rule from June 1 to December 31, 2010; which will require financial institutions and creditors to implement a written identity theft prevention program to detect warning signs, or “red flags”, of identity theft risks, steps to prevent the crime, and how to mitigate damages if it occurs. Small businesses should be aware that the FTC broadly interprets the term “creditor” to include most companies or organizations that provides goods or services and allow customers to pay through credit or by billing them. Businesses can face significant financial penalties for Red Flags violations. CLICK HERE for additional information on the FTC's Red Flags Rule.

“Don’t wait until the last minute to get your Red Flags programs in place,” advocates Duquesnel. “Technically, the law is in effect now mandating business compliance with this regulation; the FTC is just not issuing fines or instituting enforcement proceedings until the end of the year. Procrastinating only increases the chances of potential problems later on for not complying with the Red Flags Rule.”

BBB recommends that small businesses take the following steps to address the threat of data breaches and to assist themselves with complying with the new FTC “Red Flag” regulations:

1. Create a Data Breach Notification Policy.

A data breach notification policy tells consumers how your business will notify customers if a data breach occurs. Consider informing consumers that you will notify them through a quicker and relatively inexpensive method (e.g., e-mail or publication) instead of a more expensive method (e.g., US mail). Michigan law has specific requirements on the notification delivery method, so it is important to understand the statute’s requirements before establishing a policy and sending out any notices.

2. Train Your Employees to Identify Breaches.
Employees need to know how to spot a potential breach and how to report this type of event. Instruct them to report any event where personal information is accessed or acquired by an unauthorized person to a specific supervisor. Consider providing employees a confidential means of reporting a data breach. This can be particularly useful if your employees might be afraid that reporting a data breach might result in negative actions against them or one of their colleagues.

3. Immediately Gather the Facts of an Alleged Breach.

What information was compromised? How and when did this occur? Was it an internal error or the result of a malicious attack? Determining the source of the breach quickly enables you to take immediate steps to reduce any further damage and prevent future occurrences.

4. Notify Financial Institutions.
If financial information, such as payment card numbers, was compromised, contact the bank or company that manages your payment card processing.

5. Seek Outside Counsel.
Seek attorney assistance or guidance from a risk consulting company as soon as you become aware of an incident that might constitute a data security breach. Your attorney can help you identify which laws might be involved and whether you need to alert consumers, credit reporting agencies, or the government of the incident.

6. Notify Affected Customers.
Notify them in the manner you said you would in your Data Security Policy. Explain what occurred, when it occurred and the specific steps you are taking to address the event.

Small business owners can get additional free advice and tips on improving data security from BBB’s Data Security – Made Simpler online guide at www.bbb.org/data-security/. Data Security—Made Simpler was created by BBB in collaboration with two nationally-recognized data security experts, Dana Rosenfeld and David Zetoony. Data Security-Made Simpler was written specifically for small business owners, focusing on the most common data security issues these businesses face. It goes beyond telling a business what it should be doing; it gives concrete guidelines and turn-key suggestions that provide solutions that are right-sized for small businesses.

Dana Rosenfeld is a partner with the law firm Kelley Drye & Warren LLP, where she focuses her legal practice on all facets of privacy and data security, advertising and consumer financial issues at the federal and state level. She counsels companies in developing and implementing policies on data collection, use and security, consistent with the requirements of the Children’s Online Privacy Protection Act (COPPA), the Gramm-Leach-Bliley Act (GLBA), the Privacy and Safeguards Rules, the Red Flags identity-theft regulations, the FTC Act and corresponding state laws. From August 1998 to October 2001, Ms. Rosenfeld was an assistant director of the FTC’s Bureau of Consumer Protection. Prior to this appointment, she was senior legal advisor to the Director of the Bureau of Consumer Protection, and an advisor to FTC Chairman Robert Pitofsky.

David Zetoony is an associate with the law firm Bryan Cave LLP who has served as a consumer protection liaison and vice-chair to the American Bar Association’s Antitrust Telecommunications and Health Care and Pharmaceutical Industry Committees. Mr. Zetoony has counseled dozens of companies on how to respond to data security breaches and has written numerous articles on the subject.

Better Business Bureau Serving Eastern Michigan (www.easternmichigan.bbb.org) is a non-profit organization that fights fraud and promotes ethical business practices in the local marketplace through its business accreditation, consumer education, and dispute resolution programs. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

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BBB Business Card Exchange - Weds May 19

5/13/2010

Posted on 5/13/2010 by
Get your morning started with some stimulating conversation and free coffee. Join us for a complementary continental breakfast and business-to-business networking opportunity at your local Better Business Bureau’s conference center in Southfield on Wednesday, May 19, 2010 @ 8 am.

This month’s business card exchange will feature a meet and greet with BBB’s new President & CEO, Melanie Duquesnel, who will discuss her thoughts on “Rebuilding the Road to Revitalization” for Metro Detroit.

Please RSVP to Crystal Kontos at 248-799-0313 by Monday, May 17.

Tips for Selling Your Timeshare

5/7/2010

Posted on 5/7/2010 by

In a tough economy, struggling families look for ways to reduce their expenses. One popular option is to unload any timeshares so they can recoup their investment and stop paying maintenance fees. Many businesses specialize in reselling timeshares, but Better Business Bureau warns that some companies are using deceptive sales tactics to bilk thousands from already cash-strapped timeshare owners.

While timeshare owners are looking to unload the financial burden, unfortunately, not as many vacationers are buying. Timeshare sales dropped 40 percent in 2009, according to the American Resort Development Association. As a result, timeshare owners who are eager to sell are increasingly susceptible to offers that are too good to be true.

“Because of the economy, many timeshare owners want to cash out now but no one is buying,” said Tim Burns, Public Affairs Director for the Better Business Bureau Serving Eastern Michigan. “Unfortunately, some unscrupulous timeshare resellers are taking advantage of the situation by misleading timeshare owners into paying thousands of dollars in the hopes of unloading their timeshare quickly.”

Companies like Resorts Condo Management, Creative Vacation Solutions, Platinum Property Exchange and Premier Timeshare Solutions have earned F ratings with BBB for convincing timeshare owners that they already have interested buyers but require thousands of dollars in upfront fees—such as closing costs—from the sellers and ultimately fail to complete the promised sale.

BBB offers the following advice to timeshare owners who are looking for help in selling their timeshare:

Use a Business You can Trust – Make sure the timeshare reseller you use is a BBB Accredited Business or at the very least has a good rating with BBB. You can check out a business’s BBB Reliability Report at www.bbb.org.

Confirm Licensing Requirements – Some timeshare resellers will use fake addresses or PO boxes in order to mislead timeshare owners. Confirm where the company is located and in what states it does business. Ask if the company's salespeople are licensed to sell real estate where your timeshare is located. If so, verify this with the state licensing board.

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

Be Wary of Upfront Fees – Many complainants to BBB were burned by companies charging an advance "appraisal" fee for services or were told that they just had to pay closing costs and the timeshare would be taken off their hands. Consider opting for a company that offers to sell for a fee only after the timeshare is sold.

Don’t Fall for the Hard Sell or an Offer that Sounds Too Good to Be True – Don’t agree to anything over the phone but instead ask the salesperson to send you written materials; take the time to think it over and don’t be pressured. Unscrupulous timeshare resellers may claim that your property is in demand and they can sell it immediately; unfortunately, these promises are often empty.

Vacation Rentals for the Budget-Traveler

5/6/2010

Posted on 5/6/2010 by

Planning on taking a summer vacation, but don’t want to bust your budget?

In a tough economy, a vacation rental is one way to save if you’re willing to forgo some of the luxuries. According to a summer 2009 survey by TripAdvisor.com, 43 percent of people responding said that they were planning to stay at a vacation rental in the coming 12 months. On average, the price per square foot for a U.S. hotel is more than twice the price per square foot of a rental home or condo according to a report by HomeAway, an online vacation rental company. With the summer vacation season fast approaching, your local Better Business Bureau advises consumers that while vacation rentals can be a good deal, it is important to do your research before entering a lease because sometimes what is advertised and what you get are two different things.

“Vacation rentals can be a great way to save money when traveling on a tight budget and many travelers are foregoing the mint on the pillow experience for more reasonable and less cushy accommodations,” noted Melanie Duquesnel, President & CEO of the Better Business Bureau Serving Eastern Michigan. “A vacation rental can seem riskier than booking a hotel, but if you do your research and pay attention to the fine print, it can be a safe way to save money. Many travelers have shaved hundreds, if not thousands, of dollars off of their vacation costs by renting a house or condo instead of paying for a hotel or resort.”

BBB offers the following advice to travelers looking to save money with a vacation rental:

Plan Now. Rental properties in popular locations get snatched up quickly so start your search early before all of the best properties are booked.

Start With Trust. If you plan on enlisting the help of a business, such as a third-party Web site or professional service, to connect you with a renter, always check them out with your local Better Business Bureau first at bbb.org or by calling 248-223-9400. When you find a home or condo you like, ask if it is being leased by a management company or individual owner and inquire on the level of maintenance, housekeeping, and other services they may provide for the property during your stay. Request references from past guests and check them out.

Manage Your Expectations. A home rental is not a hotel so you can’t necessarily expect the same level of professionalism, cleanliness, services or modernization. Some rentals will guarantee that the property meets your expectations, but if a guarantee isn’t being offered you may want to consider purchasing travel insurance.

Take a Virtual Tour. Sometimes the pictures and descriptions of the property posted by the renter can be deceiving. Research the property on your own online and take a virtual tour of the surrounding area using Google Maps Street View.

Get it all in Writing. Make sure that all verbal agreements are included in the rental contract including details on the deposit, specific check-in and check-out dates and times, whether you can bring a pet, and what is included in the cost of the rental. Do you have to pay for “extras” during your stay such as laundry access, cable tv, the water bill, or utility expenses? Is your deposit refundable if you need to cancel your reservation? Don’t be tentative about asking plenty of questions about the property before signing a rental agreement.

Read the Fine Print. Make sure you understand all of the conditions of the rental agreement. Most rental properties will say “everything’s included”, but make sure there are no hidden restrictions or add-on charges included in the fine print that may not have been previously discussed with the landlord. Examples could be prohibiting smoking in the home; limitations on the number of guests; charges for using available linens, towels, silverware or other household items; and fees for cleaning the property after your departure. Read the contract thoroughly before you sign so you are aware of any user fees or damages you could be liable for under the agreement.

Emergency Contact Person. The rental agreement should also include a contact person that can easily be reached if something breaks or there is a problem with the property during your stay. It should also provide a timeframe in which the renter agrees to be available to respond to concerns and within which they will correct any major problems that may arise.

Use a Secure Form of Payment. Do not send money until you’ve signed the rental agreement and never pay via money wire services, such as MoneyGram or Western Union. When possible, use a credit card which can provide a level of 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 a less desirable local than what was originally advertised.

Better Business Bureau Serving Eastern Michigan is a non-profit organization that fights fraud and promotes ethical business practices in the local marketplace through its business accreditation, consumer education, and dispute resolution programs. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Complaints to BBB Against Debt Settlement Companies On the Rise

4/30/2010

Posted on 4/30/2010 by

Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Tim Burns, Public Affairs Director for the Better Business Bureau Serving Eastern Michigan. “The truth is that many people are being enticed into paying large upfront fees to debt settlement companies and never receive the assistance they were promised. If you are finding yourself sinking further and further into debt, contact your local Better Business Bureau to check out anyone offering debt settlement or credit counseling services before you consider paying any money for assistance with your troubles.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began. Complaints from Michigan consumers include a man from Chesaning who recently informed BBB that he had paid a debt settlement company located in San Diego, California close to $3,000 dollars in fees to clear his debt for “pennies on the dollar”; and the only results he’s witnessed is seeing his credit score drop and his credit card bills increase with additional fees and interest charges. A woman from Flint contacted BBB complaining that a company based in Clearwater, Florida took $1,200 dollars to cut down her debt and never paid a single creditor. A family from White Lake, Michigan reported to BBB that they had raised $12,000 dollars to help pay down a $120,000 dollar credit card debt and a Dallas, Texas based company they contracted with to help resolve the situation with their creditors kept that whole amount as a service fee before beginning any work on their behalf. Another consumer from Utica complained to BBB that she had to withdraw money from her 401k to pay off creditors when a Phoenix, Arizona based company failed to fulfill its debt settlement promises after she provided them more than $2,500 dollars in fees.

Complainants to BBB in regard to the debt settlement industry generally allege that instead of having their debt settled as promised, consumers were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside—in one case as much as $15,000.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. On Wednesday, April 28, Senator Charles Schumer (D-NY) introduced the The Debt Settlement Consumer Protection Act which seeks to “protect consumers from deceptive, abusive and financially injurious practices rampant in the debt settlement industry.”

Typically with debt settlement (also referred to as debt negotiation), the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It will usually take at least six months to a year before there is enough money to start settling accounts, and during that time the consumer will typically not be making payments to creditors. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, his or her credit rating will likely suffer as a result of not making required monthly payments.

BBB warns families that are drowning in debt to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees – Beware of companies that require large upfront fees before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.
Promises that are too good to be true– Some companies might promise that they can reduce debt by more than half even before looking into the customer’s financial situation.
Claims that it’s a fast, easy and painless process. - Reducing debt through debt settlement takes time—often years—and can have a significant negative impact on the customer’s credit score. It can also expose consumers to lawsuits and garnishments.

Before enlisting the help of a debt settlement company, BBB recommends that struggling consumers:

Contact their lender first. – Try to work out an agreement directly with your lenders before enlisting outside help.
Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or even no cost. You can find a credit counseling center near you at the National Foundation for Credit Counseling, www.nfcc.org.
Consider debt settlement only as a last resort before filing for bankruptcy. The debt settlement process can take years and have a severely negative impact on your credit rating and can limit your access to future credit. In the meantime, your credit card company or other creditors can decide to take you to court and garnish your wages. It is best to avoid these potential consequences if you have other workable alternatives to dealing with your debt.
Research the debt settlement firm with BBB first. Find out how many complaints it has received, how the firm responded to complaints and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler at www.bbb.org/credit-management/.

BBB is a non-profit organization that fights fraud and promotes ethical business practices in the local marketplace through its business accreditation, consumer education, and dispute resolution programs. Contact your local BBB by calling 248-223-9400 or visiting www.bbb.org. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

Health Care: Small Business Health Care Tax Credit Post Card

4/29/2010

Posted on 4/29/2010 by

    Small business owners across the country have recently been mailed post cards from the IRS alerting them to the new Small Business Health Care Tax Credit and encouraging 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? Visit the IRS web site to get all the details.

Consumers and Contractors Should Be Aware of New Lead-based Paint Rule

4/26/2010

Posted on 4/26/2010 by

If you own or lease a home that was build before 1978, or are in a business that involves making repairs to these residences, it is important to be aware of the U.S. Environmental Protection Agency’s new Renovation, Repair, and Painting Rule which took effect on April 22, 2010. This regulation creates new educational requirements and procedures for containing construction debris for contractors that could potentially impact the amount of work and cost involved with completing a home improvement project. It could also improve the health and safety of a household from the threat of lead paint and dust during and after renovations.

Lead is a toxic metal that was used for many years was used as a pigment and drying agent in "alkyd" oil based paint until it was banned from residential use in 1978. Lead exposure, especially for children under six years old, may cause a range of health effects ranging from behavioral problems and learning disabilities to seizures and death. Remodeling or renovations in older buildings containing lead-based paint can often generate lead contaminated dust that can settle on floors, walls, and furniture. Under these conditions, children can ingest lead dust from hand-to-mouth contact or in contaminated food. Settled lead dust can re-enter the air through cleaning, such as sweeping or vacuuming, or by movement of people throughout the house. The primary goal of this new federal rule is to protect children from lead tainted dust contamination resulting from home renovations and repairs.

The Renovation, Repair, and Painting Rule now requires special certification and procedures for any person or business that performs renovations for compensation to any residential property constructed before 1978. This includes home improvement contractors, window replacement companies, as well as plumbers, electricians, painters, maintenance workers and landlords who perform repairs and renovations themselves. In addition to residential homes, this rule also applies to any public building or commercial building built before 1978 where children under the age of six are present on a regular basis. This includes, but is not limited to, child care centers, schools, and hospitals. Specifically, these requirements apply to maintenance, renovation, or repair activities where six square feet (about the size of a poster) or more of a painted service is disturbed inside or where 20 square feet (about the size of a door) or more is disturbed on the exterior.

Consumers should ask for proof of certification from their contractors before work begins on these types of projects and be aware that these new regulations may create some additional inconveniences and costs as more stringent efforts are now required to contain work areas, minimize dust, and clean up debris for projects that have the potential for lead contamination. Businesses affected by the new regulation should also be aware that failure to comply with the new rule could result in fines of up to $37,500 per violation and the potential loss of a good reputation in the community for ignoring the law.

Businesses in compliance with the EPA will have been approved as a Certified Renovation Firm; received 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; provide consumers or tenants with the EPA pamphlet “Renovate Right” prior to the start of any qualifying project; ensure that lead safe work practices are used throughout the project; and maintain records documenting that the required information has been provided as subject to the rule.

For more information on the Renovation, Repair, and Painting Rule, consumers and businesses can visit www.epa.gov/lead or call the National Lead Information Center at 800-424-5323.

New Rules Go Into Effect to Protect Air Travelers

4/23/2010

Posted on 4/23/2010 by

Complaints to Better Business Bureau about airlines have increased by more than 170 percent in the last five years. Good news is on the horizon though as new rules and regulations recently went into effect to provide better consumer protection for air travelers.

According to the Department of Transportation (DOT), most complaints against airlines are about flight problems—including delays and cancellations—and lost baggage. The following new regulations by DOT went into effect on April 29, 2010 to improve consumer protections when flying in the US:

Customer Complaints – Airlines are now required to acknowledge customer complaints within 30 days and address the issue within 60 days.

Tardy Takeoffs - DOT is now allowed to penalize airlines for any domestic flight that is more than 30 minutes late on at least half its trips each month for four months in a row.

Tarmac Tribulations – Airlines are required to provide adequate food and potable drinking water for passengers within two hours of the aircraft being delayed—lavatories must also remain available and operable. If the plane is delayed more than three hours on the tarmac, it must return to the gate and deplane the passengers—barring any safety or airport disruption concerns.

Web Site Wait Times – Airlines are required to display on their Web site flight delay information for each domestic flight they operate. The Wall Street Journal reports, however, that the airline industry is asking for an extension on the deadline for compliance on this specific issue because of technology constraints.

Relaying Your Rights – Airlines must include on their Web site a customer service plan which, as recommended by DOT, would outline the company policies in regard to overbooking, baggage handling, handling customer complaints and many other customer service issues.

More information on these new rules can be found online at www.regulations.gov. Upset airplane passengers are encouraged to file a complaint with both the DOT and BBB online.

The Better Business Bureau Serving Eastern Michigan (www.easternmichigan.bbb.org) is a non-profit organization with the purpose of assisting in the protection of consumers and businesses from fraud and unethical business practices in the local marketplace. In addition to its recognized dispute resolution services, BBB maintains reliability reports on the customer service history of more than 80,000 local businesses and provides consumer education materials on numerous topics. BBB provides its services free to the public and its service territory stretches across Eastern Michigan from Ann Arbor through Metropolitan Detroit, Lansing, Flint, upward to Alpena, and covers the entire Upper Peninsula of the state.

BBB Warns Businesses About New Phishing Attack

4/23/2010

Posted on 4/23/2010 by

Beware of fake complaint reports coming from seatac@bbb.org

Better Business Bureau is warning businesses to beware of a new malicious e-mail that pretends to be from BBB about a complaint filed against the company.

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

The body of the e-mail claims that the company did not respond to a complaint filed by a Jason Harlow (however other names may be used) and includes a link to a page at www.ca-bbb.org where the business can supposedly review the complaint.

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

Do not click on any links or reply to the message,
Forward the message to phishing@council.bbb.org,
Completely delete the message from your inbox, and
Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from Better Business Bureau about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact your local BBB directly at 248-223-9400.

A copy of the actual e-mail follows:

New EPA Rules on Lead-Based Paint Requires Certification and Training Take Effect

4/12/2010

Posted on 4/12/2010 by

A new Environmental Protection Agency rule went into effect April 22, 2010, to limit 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 would result in significant fines.

Firms affected by the EPA's Renovation, Repair and Painting Rule will be required to:

Apply to 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.

The following are answers on some of the most frequently asked questions regarding 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 of six 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 which disturbs over 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 that 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-LEAD, that’s 1-800-424-5323.

BBB and Capital One Partner to Help Cardholders Manage Credit Wisely

4/9/2010

Posted on 4/9/2010 by

Managing Credit – Made Simpler offers tailored advice and easy-to-follow tips online for free

April is Financial Literacy Month and Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help consumers learn how to effectively manage credit. Recognizing that not every credit cardholder is the same, the new “Managing Credit – Made Simpler” (www.bbb.org/credit-management/) provides tailored advice for different types of credit cardholders – including young adults who are new to credit and consumers who may be looking to pay down high balances.

“Faced with the realities of the economic downturn, millions of Americans have been taking a second look at their finances, including examining their spending habits and how they are using credit,” said Tim Burns, Public Affairs Director for the Better Business Bureau Serving Eastern Michigan. “Regularly examining your finances including how and why you use credit is important. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice that can help consumers better understand and successfully manage their credit.”

“Used wisely, credit can be an invaluable tool,” said Shelley Solheim, Director of Financial Education, Capital One. “Armed with basic information about credit, including understanding of the agreements they are entering into and knowing what's expected of individual cardholders, consumers can make better choices about how they’re using their cards. Our goal is to help consumers establish good credit habits and empower them to take control of their personal finances.”

Most credit card users understand the need to manage credit effectively, however there is no “One Size Fits All” answer about how to do it. The needs and perspectives of credit users differ based on their level of experience with credit and how they use it. Managing Credit – Made Simpler provides targeted advice for:

· Consumers interested in securing their first credit card or managing a personal credit line for the first time

· Cardholders who recognize they need long-term guidance on managing their credit efficiently.

· Cardholders who face mounting bills and need advice on how to pay down high balances efficiently.

BBB and Capital One created Managing Credit – Made Simpler to give customized credit management guidance to different types of credit users, based on their specific needs and perspectives. Credit users can self-select the version that fits their needs best: “New to Credit,” “Balancing Act,” “Overwhelming Obligations”. Topics include strategies to pay off balances faster, how to improve your credit score, reputable resources to get help now, five ways to find more cash and fraud prevention guidelines.

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

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. The first BBB was founded in 1912. Today, 123 BBBs serve communities across the U.S. and Canada, providing trustworthy consumer and small business advice in addition to evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

About Capital One
Capital One Financial Corporation (www.capitalone.com), headquartered in McLean, Virginia, is a Fortune 500 company with approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Capital One continuously invests in programs that help children, teens, and adults to increase their money management skills through participation in innovative, interactive learning opportunities. Visit www.capitalone.com/financialeducation for more information.