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Memorial Day Scams Target Military, Families, Supporters

5/21/2012

Posted on 5/21/2012 by

Memorial Day is a time to honor those who serve and remember those who have died in war. But sadly, it has also become a key opportunity for scammers to target those who are serving or have served their nation, especially elderly veterans. BBB is urging consumers and donors to be on the lookout for deals that seem too good to be true, and for disreputable charities.

“The unique lifestyle of our service members makes them prime targets for scammers,” notes Brenda Linnington, Director of BBB Military Line. “It’s imperative that we educate our service members and ensure that the support we give to them equals the effort they make every day on behalf of us.” Linnington said scams can include those that target service personnel and their families directly, but also those that appear to be helping military members via charities.

“Donors need to watch out for questionable charities that raise funds on behalf of military organizations,” adds Art Taylor, President and CEO of the BBB WiseGiving Alliance. “When you make a donation, always check www.give.org to see that the group meets BBB charity standards, especially around Memorial Day. Too many solicitors that fail to meet BBB standards call and say they help veterans, service members or their families, and little of the money donated will serve that purpose.”

Among the scams to watch out for:

· Posing as the Veterans Administration and contacting veterans to say they need to update their credit card, bank or other financial records with the VA;

· Charging service members for services they could get for free or less expensively elsewhere, such as military records;

· Fraudulent investment schemes that convince veterans to transfer their assets into an irrevocable trust;

· Offering “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees;

· Advertising housing online with military discounts and incentives, and then bilking service personnel out of the security deposit;

· Trying to sell things like security systems to spouses of deployed military personnel by saying the service member ordered it to protect his or her family;

· Selling stolen vehicles at low prices by claiming to be soldiers who need to sell fast because they’ve been deployed;

· Posing as government contractors recruiting veterans and then asking for a copy of the job applicants’ passport (which contains alot of personal information);

· Posing on online dating services as a lonely service member in a remote part of Iraq or Afghanistan, and then asking for money to be wired to a third party for some emergency.

BBB advises service members, veterans and all consumers never to give personal identification information (Social Security, bank account, military identification or credit card numbers, etc.) to anyone who contacts you by phone or e-mail, and to be wary of any solicitations that involve purchasing something or transferring money. Consumers can check out businesses and charities for free at www.bbb.org.

For more information, visit www.bbb.org/us/military-line

From KJAC: Protect Your Move During National Moving Month

5/14/2012

Posted on 5/14/2012 by

May is National Moving Month and the start of the busiest time of year for changing residencies . . . which means unlicensed movers and dishonest scammers are waiting to take advantage of consumers who aren’t careful.

In 2011, BBB received more than 1.3 million moving related inquiries and more than 9,000 complaints against movers. Complaints include lost or stolen belongings, damaged items, huge price increases over quoted estimates, late deliveries, and goods being “held hostage” for additional payment.

BBB has teamed up with American Moving & Storage Association (AMSA) to offer tips on how to select the right mover and how to avoid the scams.

"Finding a mover you can trust can be easy, if you take the time to do so,” said Rod Davis, senior vice president with the Council of Better Business Bureaus. "Consumers need to make sure to always check with BBB and AMSA before you find yourself paying thousands of extra dollars for damaged or lost items. BBB has more than 17,000 BBB Business Reviews on moving-related services.”

"A con artist with just a truck and a website can claim to be a legitimate mover with unfortunate results for consumers who don’t check out a company in advance,” said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can save yourself a lot of problems by finding a mover who puts customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

Get at least three written in-home estimates. Not all price-quotes online or over the phone are legitimate. 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 accepting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate headaches after your move. Purchasing full (replacement) value protection means any lost or damaged articles will berepaired 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. For your protection, a new interstate regulation effective May 15 requires the cost of full value protection to be included in the estimate you receive.

For more consumer news you can trust and to check out a mover near you, visit www.bbb.org and AMSA’s www.moving.org.

From “Live at 5”: Renting a Self-Storage Unit

5/14/2012

Posted on 5/14/2012 by

Sometimes we all find ourselves in need of a self-storage unit – when moving or remodeling or even to store business supplies for future use. While most facilities are operated by reputable business, complaints are received every year regarding theft, property damage and rental disputes.

What steps should consumers take before renting?

When selecting a temporary storage facility, visit at least three different options and get a written estimate from each one. When comparing costs, ask if there is a minimum monthly storage charge and/or a minimum number of months, or additional costs for electricity, pest control, insurance, etc. Beyond cost, consider these items:

Payment – When and how are fees paid? What happens to your items if you can’t pay?

Size -- What sizes are available? Is there a maximum weight limit? Can you pack the entire unit from floor to ceiling?

Climate – If your belongings are subject to mold or water damage, you may need an environmentally-controlled unit.

Insurance -- Make sure your items are insured from theft, fire or other damage. This could by covered by the facility, an alternate source, or even your homeowner’s policy.

What else should consumers check on?

Safety – Get a heavy-duty lock for your storage unit. Is the facility monitored by cameras and is it access controlled? Make sure you have the proper phone numbers in case of emergency.

Access -- What are the hours and related charges for accessing your unit? Is there adequate room for parking and is the distance from your vehicle to the rental unit acceptable?

Contract -- Get everything in writing – the size and location of the unit; options (such as climate-control) that you have selected; termination regulations; insurance coverage and payment terms.

BBB Review/Rating/Complaint history

Take care of these issues so that your self-storage unit will be a blessing not a burden.

For further assistance, please contact the BBB at 409-835-5348, online at www.bbb.org, or by e-mail at info@bbbsetexas.org.

Finalists Announced for 2012 Torch Awards

5/9/2012

Posted on 5/9/2012 by

The judging selection teams have released the names of the finalists for the 2012 Torch Awards for Marketplace Trust presented by the Better Business Bureau in Southeast Texas and assisted by the College of Business at Lamar University. Following in-depth studies of applications, supporting documentation, and on-site interviews, the finalists are: For-Profit category, Large Business – Anderson Ford Mercury of Cleveland, Copy and Camera Technologies of Beaumont, and Star Graphics in Beaumont; For-Profit category, Small Business – Airport Travel in Beaumont, American Steam-A-Way of Port Neches, and Main Dish Studio Kitchen of Beaumont. In the Non-Profit category, the finalists are: Buckner Children & Family Services of Beaumont, DuPont Goodrich Federal Credit Union, and Spindletop Center in Beaumont.

The three winners will be announced at the 15^th annual Better Business Bureau Torch Awards for Marketplace Trust Presentation Banquet on Tuesday, May 8 at the Beaumont Civic Center. The gathering, which will draw more than 500 business, civic and community leaders from across Southeast Texas, will also give recognition to the 2012 recipients of the “Friend of the BBB” Award.

The featured speaker for the Torch Award Presentation Banquet will be Mark Sanborn, President of Sanborn & Associates, Inc., an idea lab for leadership development.

Award presenters will include media personalities Bill Leger and Kelli Phillips of KFDM-TV, Kevin Steele and Jackie Simien of KBMT-TV, Greg Picazo and Mary Sturgill of KJAC-TV, and Jessica Guidry and Brian Glenn of KBTV-TV. Broadcast Legend Larry Beaulieu will serve as the master of ceremonies.

“The purpose of the Torch Awards is to recognize annually those for-profit businesses and non-profit organizations in our eight-county plus region committed to maintaining exceptionally high standards of ethical behavior in marketplace relationships,” said John Paschall, President/CEO of the Better Business Bureau in Southeast Texas.

Two prestigious Selection Teams judged the entries and conducted on-site visits to select the finalists and the winners from companies and organizations that entered the competition. For-profit accredited and non-accredited businesses of the Better Business Bureau from across the eight-counties of southeast Texas were eligible to enter. The judging selection team for the for-profit businesses include: Dr. Cynthia C. Barnes, Professor Lamar University College of Business; Veda Butler, Supervisor at Workforce Solutions Southeast Texas; Cindy Cherry, Jefferson County Adult Probation Supervisor; Gale Colletti, Julie Rogers “Gift of Life” Program Director of Volunteers; Jerome Delafosse, Jefferson County Employee Relations/Compensation Manager of Human Resources; Allen Lea, McFaddin Ward House Museum Executive Director; Michael Perez, Executive Director of the Salvation Army Boys & Girls Club; and Marcia Stevens, Executive Director of SETX Nonprofit Development Center. The judging selection team for the non-profit businesses include: Steve Cooper, Broussard’s Mortuary Funeral Director; Tommy Patrizi, Owner of Apex Payroll; Michael Sculley, Sales Managerat Kirksey’s Sprint Printing; Tim Sudela, President of American Valve & Hydrant; and Marleen Swerdlow, Director of General Business Programs and Professor of Business at Lamar University.

Anyone may attend the May 8 Torch Awards for Marketplace Trust Presentation Banquet at the Beaumont Civic Center. A Silent Auction, with more than 100 items, and an open reception will get underway at 5:30 PM. The banquet, program and presentations will begin at 7:00 PM. A $10,000 contribution will be made from the Better Business Bureau of Southeast Texas to Lamar University and the BBB College of Business Scholarships, bringing contributions over the last fourteen years to $150,000. The band ‘Bada Bing’ will provide entertainment before and during the banquet.

Revenue from the event benefits the Better Business Bureau undergraduate business scholarships and the BBB Consumer Education Foundation, Inc. Platinum, Gold, Silver, and Bronze corporate tables, as well as individual seats are available through Thursday, May 3, and may be secured by contacting Debbie Bridgeman at the Better Business Bureau. Call (409) 835-5951, ext. 117 or e-mail debbiebridgeman@bbbsetexas.org for complete information and reservations.

Additional tax-deductible contributions to this worthwhile effort are also accepted by the BBB Consumer Education Foundation, as well as donations for the Silent Auction.

“Shred It & Forget It” a HUGE Success!

5/9/2012

Posted on 5/9/2012 by

The Better Business Bureau of Southeast Texas is proud to announce that our twelfth ”Shred It & Forget It!” was another huge success! Over 350 vehicles were served and over 39,000 pounds of shredded documents were collected in three hours! For twelve events, this puts the BBB in Southeast Texas at a grand total of 4068 vehicles served and 316,000 pounds collected!

The event, which was held on Saturday, April 21, 2012, on the Central Mall parking lot, was an effort to reduce identity theft. The BBB thanks Shred-It, MCT Credit Union, Bill Clark Pest Control, Beaumont Coca-Cola, Chick-fil-A—Port Arthur, Lamar University’s Rotaract, Memorial High School’s Key Club, Clear Channel Radio, and Central Mall for their help in making this event possible.

”Shred It & Forget It!” will be available to consumers in Southeast Texas twice a year. The next event is scheduled for Saturday, September 15, behind Parkdale Mall in Beaumont. The BBB continues to stress the importance to shred your confidential documents; when improperly disposed of, it can lead to identity theft. For more information, call 409/835-5951, Ext. 117, or e-mail debbiebridgeman@bbbsetexas.org.

BBB Tips for Successful Mother’s Day Shopping

5/9/2012

Posted on 5/9/2012 by

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

BBB urges consumers to take extra precaution with placing floral orders, especially online. “Not all online florists are the same,” says John Paschall, President/CEO of the Better Business Bureau in Southeast Texas. “While some people are extremely happy with their online floral purchases, others find themselves disappointed when the flowers don’t arrive on time, or don’t arrive at all.” In 2011, more than 96,000 consumers searched for trustworthy florists on www.bbb.org. Most major floral delivery services are BBB Accredited Businesses, as are more than 500 local florists across the U.S. and Canada.

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

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

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

Have a back-up plan. Make sure you understand the store’s guarantee. Find out how customer complaints are handled and what recourse you will have if the arrangement is not satisfactory. It’s best to use a credit card when ordering online, because you can dispute charges if the vendor doesn’t come through. Charges made on a debit card are the same as cash and you have no recourse through your bank if there is a problem.

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

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

Winners of the 2012 BBB Torch Awards

5/9/2012

Posted on 5/9/2012 by

Star Graphics,Inc., Airport Travel Agency, and DuPont Goodrich Federal Credit Union, all ofBeaumont, are the winners of the 2012 Torch Awards for Marketplace Trust presentedTuesday night, May 8, by the Better Business Bureau in Southeast Texas duringits 15th annual awards presentation banquet. The event was held at theBeaumont Civic Center with over 500 in attendance.

The BBB Consumer Education Foundation, Inc. made a $10,000 contribution tocontinue funding endowed scholarships at Lamar University College of Business,bringing total contributions for the past 15 years to $150,000.

KFDM-Channel 6 TV in Beaumont and Tim Sudela, President of American Valve &Hydrant in Beaumont, each received this year's recognition as the "Friendof the BBB." Mark Sanborn, President of Sanborn & Associates,Inc., was the keynote speaker.

Finalists for this year's awards included:

For-Profit Large Category

Anderson FordMercury of Cleveland

Copy and CameraTechnologies of Beaumont

Star Graphics, Inc. of Beaumont

For-Profit Small Category

Airport Travel Agency of Beaumont

American Steam-A-Way & Summer’sFlooring of Port Neches

Main Dish Studio Kitchen of Beaumont

Not-For-Profit Category

Buckner Children & FamilyServices of Beaumont

DuPont Goodrich Federal CreditUnion of Beaumont

SpindletopCenter of Beaumont

Star Graphics, Inc. was the For-Profit Large Business winner, AirportTravel Agency was the For-Profit Small Business winner, and DuPont GoodrichFederal Credit Union was the Non-Profit winner.

Larry Beaulieu, former General Manager of KFDM-TV, was the Master of Ceremoniesat this year's award gathering. Jessica Guidry and Brian Glenn ofKBTV-TV, Kevin Steele and Jackie Simien of KBMT-TV, Bill Leger and KelliPhillips of KFDM-TV, and Mary Sturgill and Greg Picazo of KJAC-TV, introducedaward finalists and announced the three winners.

Proceeds from the Torch Award for Marketplace Trust presentationbanquet, and silent auction benefited the BBB Consumer Education Foundation,Inc., to support the endowed scholarships at Lamar University College ofBusiness.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348or 855/BBB-SETX.

Tips to Consider Before You Spend Your Tax Refund

4/10/2012

Posted on 4/10/2012 by

Do you spend weeks each spring eagerly anticipating your income tax refund? When the money finally comes in, is it gone tomorrow? You’re not alone. Many consumers view tax refunds as unplanned bonuses, but it makes more sense to plan for that new chunk of change so it doesn’t go to waste.

“Making smart decisions with your money is a great way to reward yourself for all the hard work you did to earn it,” said John Paschall, President/CEO of the Better Business Bureau in Southeast Texas. “It’s easy to get caught up in the excitement of unplanned or extra cash, but you’ll be glad you saved some of it for a rainy day when the time comes to use it.”

Whether or not you are in need of debt relief, a tax refund provides the opportunity to improve your financial situation. BBB and Clear Point Credit Counseling Solutions recommend the following tips to tax refund recipients:

Pay down your debt. Refund checks usually arrive when many consumers are still struggling with holiday bills. Use your refund for some much needed debt relief: pay off your credit card. If you have an outstanding balance on more than one credit card, you can either try to pay off the lowest balance card first (good for motivation) or direct the funds toward the card carrying the highest interest rate (wiser from financial perspective). Or, apply your refund toward other debts, like a car loan or a home equity loan.

Consider your financial goals. Are you trying to save for a down payment on a house or car? Do you hope to contribute to your child’s college tuition one day? Consider applying your tax refund toward these goals. If you don’t yet have a set of short-term and long-term financial goals, put one together. You’ll be more conscientious about how you spend your tax refund, or any other extra money that comes your way.

Save it for a rainy day. Why not give yourself an even bigger return on your tax refund by putting the money into a savings account–or an emergency savings account, CD or retirement fund? Your tax refund will continue to grow if you put it into savings or invest the money. Plus, it’s always helpful to have a savings account to draw from when a major car repair bill, medical emergency or other unexpected expense comes along. That way, you don’t have to borrow money and add to your debt-load.

Keep things in perspective. Working your way out of debt can seem like a daunting task. Perhaps you assume that a small tax refund check won’t make enough of a dent in your debt. Think again. Every little bit helps. Paying down debt takes time, but steadily increasing your monthly payments does have an impact. Just stay focused on the end goal. It may take years to pay off your debt, but your ultimate reward — being debt-free — will be well worth the effort.

If debt is a continuing problem, consider a credit counselor. Certified consumer credit counseling agencies can assist people who are facing financial challenges and are looking for debt relief. BBB has information on more than 2,000 Credit & Debt Counseling firms, including hundreds of Accredited Businesses. BBB Business Reviews are available for free at www.bbb.org/search.

Consider investing in your home or in others. Even if your finances are in good shape, your refund check provides the opportunity to improve your life or the lives of others. Use the money to spruce up your home or make it more energy-efficient. Improve your career opportunities by taking a class or training course. Use your refund to teach your older children how to handle money. Give them a portion of the refund and help them budget for school, clothing and entertainment expenses and savings. Finally, you may want to donate your tax refund to a charitable organization. You’ll help improve the lives of others, and your charitable gift may reduce next year’s tax burden. Check out BBB Wise Giving Alliance at www.bbb.org/charity for more information on trustworthy charities.

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

Do You Know How Your Money is Doing?

4/3/2012

Posted on 4/3/2012 by

The FINRA National Financial Capability Study recently looked at the spending and saving habits of Americans and came up with some startling information:

Most Americans lack emergency savings or “rainy day” funds. Only 49 percent of survey respondents reported that they had set aside funds sufficient to cover expenses for three months in case of sickness, job loss, economic downturn or other emergency.

The majority of Americans have not done any retirement planning. Only 42 percent of the FINRA survey respondents who weren’t retired said they had taken the time to calculate what they would need.

Well below half of Americans have saved money for college. Only 41 percent of those who have financially dependent children have set money aside for college education.

It’s National Financial Literacy Month, so it’s a good time to reassess your savings and spending patterns to build a brighter future for yourself and your family. BBB recommends the following:

Start calculating now. You are never too young to start planning for retirement. While individuals increasingly have to take responsibility for their financial security after retirement, the majority of Americans appear not to have done any retirement planning. Decisions about how much to save in order to afford a comfortable retirement require collecting information about several important variables (including Social Security and retirement plan benefits) and doing some, even rudimentary, calculations.

Budget appropriately when it comes time to pay for a child’s education.

It is widely reported that, over the past decade, tuition and fees at four-year public colleges and universities have increased more rapidly than they did during the 1980s or 1990s, rising by an average of nearly 5 percent each year (adjusted for inflation). With this trend unlikely to abate, an average American family with children can expect to dedicate a sizable share of their resources to paying college tuition.

Manage your debt. One of the best ways to ensure a brighter financial future is to manage and eliminate costly debt. BBB offers “ManagingCredit – Made Simpler,” an online learning tool for consumers and small business owners.

Avoid “get rich quick” schemes. BBB exposes scams and frauds everyday. Sadly, many of these are aimed at investors who have done the right thing so far and saved some money, but make a mistake when it comes to investing. BBB recently partnered with the FINRA Financial Education Foundation to promote smart investing and to help consumers avoid investment scams.

For more information on businesses, charities and investments you can trust, visit www.bbb.org.

As seen on KBMT/KJAC: Protect Yourself From Fraud

4/3/2012

Posted on 4/3/2012 by

BBB FRAUD ALERT

Card-issuers will never call or email you, asking you to ‘verify’ your account information. They already have it.

Ignore any threats or expression of urgency you receive by phone or email, indicating that your account will be de-activated if you do not respond immediately and ‘verify’ your information.

With so much personal information moving back and forth, it is not surprise that fraud is on the rise.

You are your own best line of defense and can minimize your risks by managing your personal information wisely to protect yourself from credit card fraud. Here’s how:

Review your information online every day, and confirm all transactions are correct.
Sign your card immediately when you receive it in the mail.
Carry only the cards you expect to use, and keep them secure.
Secure — in your home — other cards you may not regularly use.
Keep a list of account and telephone numbers for your card issuers in case your cards are lost or stolen. Once you report the loss or theft, you will not be liable for unauthorized charges.
Keep a copy of this list both at home and at your work.
Limit where your email address is used to decrease spam and the possibility you’ll receive a phishing email.
Notify your card issuer(s) in advance if you have a change of address.
Notify your card issuer(s) in advance if you plan to travel outside the US and use the credit card.
Do not input personal information, user names or passwords at public computers unless your are certain the computer’s preferences have been set up correctly; and it hasn’t been infected with a virus or spyware.
Use your credit card rather than your debit card. Bank-backed debit cards don't offer the same fraud protection as credit card companies. Your risk increases when shopping online with debit cards. Credit cards are a better alternative.
Do not give your cards to anyone.
Do not click on pop-up ads after making a purchase. You may not realize that your actually agreeing to automatically sign up for a company's online membership service which will charge your card every month indefinitely.
Keep your pass code and personal pin number secure. Do not put it in writing…and do not share it with anyone.
Visit the Better Business Bureau website to check business reviews at: www.bbb.org
Use only reputable companies with secure websites for online shopping.
Email is not secure. Never include your credit card number (or SS Number) in an email.
Shred all paper documents containing your personal identifiers (account number, name, address) before disposing.

If you discover that unauthorized charges have been made to your account or that someone has opened an account in your name, it’s important to contact your lender immediately and explain what has happened to a fraud investigator. The bank can close your account before additional unauthorized charges can be made, then transfer your balance to a new account and send you a new card. Work with the fraud investigator to remove fraudulent charges from the account, and submit any required paperwork as quickly as possible.

Also file a report with police department in the jurisdiction where the fraud or theft took place, and keep a copy for your records. If an unauthorized account has been opened in your name, notify the credit bureaus (Experian, Equifax and TransUnion) and ask for a fraud alert to be placed on your account, which requires potential lenders to contact you before opening new credit in your name. It can take identity thieves a while to make their move, so keep watch on your credit report every few months — you can get a free copy of your credit report every 12 months from each of the three credit bureaus from www.annualcreditreport.com. Stagger your requests to each bureau so you can get a free copy from one bureau every four months.

BBB Tip: Indicators of a Secure Web Site

Look for well-known seals…and then roll your cursor over the seal to see if it’s active and clicks through to the seal-issuer.

Common online seals of authenticity or security include (among others)

BBB Accredited Business
Yahoo Merchant
Verisign-secured
TRUSTe
McAfee-secured

From KFDM “Live at 5”: Avoiding a Moving Scam

3/26/2012

Posted on 3/26/2012 by

Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this moving season. Better Business Bureau and American Moving & Storage Association (AMSA) recommend during your homework before selecting a mover.

As we approach the busiest time of the year for changing residences, BBB encourages consumers to know their right…and the red flags of moving scams. Every year BBB and AMSA receive thousands of complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. 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.

"Anyone can claim to be a mover, so checking a mover's credentials is critical. It’s also easy to do," said John Paschall, President/CEO of the Better Business Bureau in Southeast Texas. "Know your rights and know your options, but more importantly do your homework before turning your precious belongings over to a mover."

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 NorthAmerica.

Get at least three written in-home estimates. Not all price-quotes online or over the phone are legitimate. 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.

For more consumer news you can trust and to check out a mover near you, visit www.bbb.org and AMSA’s www.moving.org.

From KFDM “Live at 5”: Scams/Business Nominations

3/13/2012

Posted on 3/13/2012 by

Recent Scams and Recognizing Ethical Businesses

Consumers should be aware of ongoing scams that are again preying on grandparents and other consumers across the country via telephone and e-mail. You may think you are aiding your grandchildren by providing money for an emergency situation, or responding to an important inquiry from your bank, but may in fact be giving away your identity and your money to scammers.

1. Explain what is being done in the Grandparent Scam?

Grandparents receive distressed phone call from who they believe is their grandchild. . . supposed grandchild typically explains that they are traveling and have been arrested or involved in an auto accident … need grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars . . .

2. How can Grandparents protect themselves?

Remain calm . . . Confirm - call them directly or verify the story with other family members . . . Wiring money through Western Union or MoneyGram should be a “red flag” . . . funds sent via wire transfer are hard to track once received by scammers and usually not recoverable by law enforcement or banking officials.

3.Another common scam is the “phishing” scam. What is that?

Emails arrive daily with promises of refunds, shipped packages, cash prize winnings, or even a consumer that has filed a complaint against your business… but all come with questions about your personal and financial history or a computer virus that will harm your computer. They say they are the IRS, your credit Union, or even the BBB.

4. What advice does the BBB give so we can protect ourselves from these fraudulent emails?

1. Consider the sender . . . look at the return email address.

2. Are you a customer of the organization?

3. Why would they need the information? Don’t they have it already?

4. Study the words used and check the spelling.

5. Just don’t open the email, the link, or the attachment.

6. Call the company and ask if it is legitimate.

7. Check it out with the BBB first!

5. We often focus on companies who victimize consumers, but how can companies who do business right be recognized?

They should apply for our 15th annual Torch Awards for Marketplace Trust . . . Deadline is March 23 . . . Call our office for help if needed, or visit our website. Presentation banquet is Tuesday, May 8 . . . Beaumont Civic Center .. . Speaker Mark Sanborn, internationally known speaker and best selling author. . . Benefits Lamar University College of Business

Quick Tips for Hiring a Home Contractor - Do You Know the Red Flags?

3/12/2012

Posted on 3/12/2012 by

Whether you are looking to have your home windows replaced, new siding installed on your garage or a pool built for the summer months ahead, it’s always important to find a home contractor that you can trust. Better Business Bureau recommends following this smart shopper checklist before choosing a contractor for your home.

In 2011, BBB received more than 6,000 complaints against general contractors, which was up 11% from the previous year. While there are many trustworthy and reliable contractors out there, there are always those unscrupulous few that end up charging too much and doing too little…or nothing at all.

“You want a home contractor you can trust, so watch out for red flags from those just looking to make a quick buck,” said John Paschall, President/CEO of the Better Business Bureau in Southeast Texas. “Be especially wary of doing business with a contractor who solicits business door-to-door. This could mean that the contractor is not from a local, established business and is instead just passing through and trying to scam innocent consumers.”

BBB advises consumers to follow this smart shopper checklist before choosing a home contractor:

Be picky and have lots of options. 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.

Make sure they are certified and insured. 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.

Get everything in writing. 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 all verbal promises in writing. Include start and completion dates in the contract.

Remember the rule of thirds and follow it. Pay one third at the start of the project, one third when work is 50 percent completed and one third after completion.

BBB has Business Reviews on more than 100,000 general contractors across North America, available for free at www.bbb.org/search.

National Consumer Protection Week – 7 Days, 7 Tips, 1 Smart Consumer

3/5/2012

Posted on 3/5/2012 by

BBB is offering savvy consumers seven important tips to celebrate the 14^th Annual National Consumer Protection Week(NCPW). Sign-up here to receive a BBB tip a day on the latest consumer topics.

NCPW is March 4-10, and government organizations and nonprofits across the country are offering consumers a wealth of tips and information from federal and state governments and non-profit partner organizations. BBB goes the extra mile in encouraging every consumer to take full advantage of their consumer rights and make better-informed purchase decisions.

NCPW.gov offers consumers a wide selection of Free Materials to learn how to protect their privacy, stay safe online, manage their money, avoid identity theft, understand mortgages and steer clear of frauds and scams.

BBB will be participating in numerous speaking engagements, community events and media appearances across the nation and we would love for you to join us! Get our “savvy consumer” tips here.

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

Buyer Beware as Shoddy Knock-offs Infiltrate the Internet

2/27/2012

Posted on 2/27/2012 by

The market for counterfeit luxury items is wide and deep, selling everything from jewelry and perfume to handbags and sunglasses. For bargain-hunters looking for name-brand items at discount prices online, Better Business Bureau offers advice on avoiding web-based rip-off schemes.

According to a report by the Department of Homeland Security, the total domestic value of merchandise seized during fiscal 2011 was $78.3 million, an amount that would have had a value of $1.11 billion had it been legitimate. The category of seized consumer safety and critical technology goods rose in value by 41 percent compared to fiscal 2010, the report says.

Online classified sites like Craigslist or eBay are hot spots for counterfeit luxury item fraud online, and both offer “buyer beware” warnings. But venders are now setting up their own websites to fool frugal fashionistas.

“In a tight economy, consumers are always looking to save a buck or two,” said John Paschall, President/CEO of the Better Business Bureau in Southeast Texas. “Too often, what looks to be a ‘great deal’ is really a shoddy knock-off in disguise.”

BBB offers the following advice for shopping safely online when looking for deals on designer goods, as well as tips on how to spot a fake:

Always deal with reputable businesses. The number one way to avoid getting ripped off when buying luxury goods is to deal with reputable businesses. When in doubt, shoppers can contact the manufacturer and verify which venders are authorized sellers. Consumers should also check out the business with BBB at www.bbb.org/search before making a purchasing decision.

If the price seems too good to be true, it probably is. One of the biggest red flags for knock-off merchandise is an unrealistic price. Extremely low prices are tempting but not to be believed. Paying $100 for a $1000 purse could result in the consumer receiving a poorly constructed – and worthless – fake.

Read between the lines. Some websites or online classified ads will go overboard in their description of the item in order to coax the buyer’s trust. Overuse of “genuine,” “real” or “authentic” is a bad sign. Buyers also need to keep an eye out for sneaky phrases like “inspired by.”

Check the merchandise. Considering that the name is a large part of the motivation for buying a luxury brand, many manufacturers spend considerable time and energy on crafting the physical label. Counterfeiters aren’t usually as meticulous. Shoppers should look for misspelled words and brand names, poorly sewn logos and labels, etc. Some luxury goods carry an “authenticity label” with a hologram or other security measure.

Know the brand. Different luxury brands, such as purses, have specific hardware consumers can rely on to identify a genuine piece. Zippers, screws, clasps and stitching are usually very specific for the brand and the manufacturer often has details on their website explaining what to look for and how to spot a knock-off. Craftsmanship is king for most luxury brands. If the sunglasses snap in two in the first week, or if the stitching and seams are ragged and don’t match up on a purse, the items are probably counterfeit.

Consumers who have purchased counterfeit luxury goods should contact BBB and can easily file complaints online at www.bbb.org/complain. Consumers can also contact the Consumer Product Safety Commission at www.cpsc.gov and file a complaint online there as well.

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

BBB Advice for Avoiding Automobile Repair Scams

2/20/2012

Posted on 2/20/2012 by

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. Better Business Bureau recommends following a few key pointers to ensure that your automobile gets fixed without a glitch.

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

“Whenever you take your car to the shop, never try to diagnose the problem yourself. Describe the symptoms and ensure that the work cannot begin until you have a written estimate and given your okay,” said John Paschall, President/CEO of the Better BusinessBureau in Southeast Texas.

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

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

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

Ask all the questions that you need. Don't be embarrassed to request explanations. 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.

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.

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

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

Don’t Let an “Authorization Hold” Hold You Hostage

2/6/2012

Posted on 2/6/2012 by

Credit is a convenience; it allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it.

However, when dining out at a fancy restaurant or spending the night away in a hotel, it’s important to take notice of what the banking industry calls an “authorization hold.”

The issue was first identified by BBB of Southern Arizona when a customer complained that a restaurant had put through a charge equal to his bill plus 20%, even though he had left the server’s tip in cash. Upon investigation, Dispute Resolution Specialist Micaela Clubb discovered that it’s a common practice.

Here’s how it works: Let’s say your restaurant bill comes to $100 and you give the server your credit card. When they run it through, they put an authorization hold on your account for $120, assuming you’re going to add a nice tip to the bill. But you leave the tip in cash on the table instead. Still, your bank or credit card company “holds” that $120 for a couple of days until the actual amount of your charge is processed…and that means you don’t have access to that $20. If you are close to your credit limit, it could mean a purchase is declined. If you used a debit card, it could mean a bounced check and overdrafts fees.

Now imagine it’s a hotel stay. You’ve checked in and given a credit card at the front desk. They put an authorization hold on your card for what they think your total bill will be (room charge, taxes, incidentals). If you are staying for several nights, this could amount to a lot of money that you no longer have access to; and when you are traveling, that can be a huge problem.

Credit card processors discourage vendors from doing these kinds of holds, but they are perfectly legitimate as long as the vendor notifies customers of the practice. BBB advises consumers to keep tabs on their credit and bank accounts online, especially when traveling, and read the fine print on hotel agreements. When dining, pay for your check and tip together with either credit or cash, but not both. And whenever possible, keep a “cushion” of available funds on credit cards by paying off the balance regularly.

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

Scammers Pick Up the Phone for BBB Phishing Scam

1/31/2012

Posted on 1/31/2012 by

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

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

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

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

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

To check out scams from across the country, report a potential scam in our region, and subscribe to BBB's new scam alerts, visit http://nwnc.bbb.org/scam-source/.

From KFDM and KJAC: Top Ten Tips from the IRS

1/23/2012

Posted on 1/23/2012 by

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 arrive by the end of January; 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 22 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. Last year, many tax preparers were required to use e-file. 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 this number: 17: Check out IRSPublication 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.

Don’t Cruise Your Way into a Vacation Scam

1/16/2012

Posted on 1/16/2012 by

As the winter months set in and the snow piles up, nothing sounds better than relaxing under a tropical sun. Winter and spring are prime cruising months, but Better Business Bureau is advising consumers to read all of the fine print before signing up for a special cruise deal.

In 2011, BBB received more than 1,300 complaints against cruises. While many cruise deals are legitimate, there are always those sneaky few that end up sucking thousands of dollars from victims. BBB is urging consumers to be cautious of unsolicited mail with offers of free or discounted cruises.

“Many times, scammers will send numerouse-mails, postcards, and other mailings trying to get you to call them in order to claim your ‘free cruise,’” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Don’t be fooled by professional looking websites either. Gather as much information as you can about the business, and ask a lot of questions before signing on the dotted line.”

BBB and CruiseCitic.com recommend the following tips to consumers who are looking to book a cruise getaway:

Don’t be a victim. Often times,vacation scammers will use high-pressure sales tactics and make you feel coerced to buy the limited-time deal on the spot. A reputable business or travel agent will provide any information that you request, and give you time to decide before booking a vacation.

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

Pay with a credit card. For your best protection against a dishonest seller of travel, always pay for your cruise fare -- both the initial deposit and the final payment -- with a major credit card such as Mastercard, Visa or American Express. If problems arise, you may be able to dispute the charges with your credit card company. Important note: This protection may not apply to those using debit or check cards; it's important to confirm policies with your issuing bank before you charge.

Ensure your money is in the right hands. After you've made a payment, review your credit card or bank statement and make sure that any applicable charges originate directly with the cruise line, not with the travel agency. That way, you'll know that the cruise line has definitely received your money. If you must pay by check or money order, it should be made payable to the cruise line -- not to the agency or to an individual.

Get proper confirmation of your booking. Insist on getting the actual cruise line's confirmation numbers, not just a confirmation number from your agency. Not only will you then know that your information and money is in the right hands, but you'll also be able to pre-reserve shore excursions, restaurant reservations and spa appointments (where available) on the cruise line's website.

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

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

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

BBB Tips on Selling or Buying Gold, Silver and Platinum

1/12/2012

Posted on 1/12/2012 by

Thinking about selling or buying gold, silver or platinum jewelry, coins and other items made of precious metals?

The Better Business Bureau in Southeast Texas warns that some consumers have become victims of deceptive practices that have cost them money resulting in emotional distress.

With the price of gold and other precious metals at an all-time high, consumers are being drawn to offers to sell their old jewelry and silverware for cash. There are reputable, trustworthy companies that follow ethical marketplace practices when engaging in precious metal transactions, but there are also companies that use tactics consumers should know and avoid.

Before you buy or sell, make sure you do your research. There is an enormous amount of information available both online and in print regarding selling and buying precious metals. When reviewing information, check out the source by taking the time to research who is providing the information. Is the business Accredited with the Better Business Bureau? See if there are complaints on the company. How many years have they been in business? Does the business meet the licensing and registration requirements in your community or state?

It is wise to get more than one appraisal. Do not feel pressured to rush into a transaction. Legitimate businesses will want you to take the time to check them out and carefully consider the pros and cons of buying and selling precious metals. Before selling, keep in mind that the price you are being offered may not be equal to the value you put on your possession. If it is an heirloom or sentimental piece, once it is sold, it is gone and you may find later that it was worth more than you were paid for it. Consider doing business with a local company who has an established reputation rather than an out of state company with no ties to your community.

Don’t let your jewelry of different karat value be weighed together. Separate your jewelry by karat value before selling and be wary of dealers who weigh all jewelry together and pay you the lowest karat value.

Ask the buyer what the melt value of items you are selling is so you can make an informed decision. Many buyers are willing to do this for their customers. Don’t be misled by measurements/weights. You may be quoted a price related to grams or pennyweights and it may appear to be a good deal because the goldweight seems larger when you are actually being offered a lower price. Make sure the scale being used to weigh your items is appropriately licensed if required by government agencies.

Always get a detailed, signed receipt for your transaction from the buyer of seller. This is essential if you later believe you were misled or determine the dealer may be operating fraudulently. Documentation is your proof if you want to file a complaint and can be useful for tax purposes as well.

How much are you really paying or receiving for melt value of the coin(s) or jewelry? The value of common gold and silver bullion coins is mainly determined by their precious metals content. What is the intrinsic value of the coin if it was melted or sold? The price of gold and silver may fluctuate dramatically. However, when dealing with middlemen, you take the risk of receiving less money for your precious metal items.

For additional information regarding new Texas requirements effective January 1, 2012, click on the links below. You will find detailed information and will be able to see if the precious metal dealer you are considering doing business with is registered.

http://www.occc.state.tx.us/pages/industry/CPMD/cpmdindex.html

https://records.txdps.state.tx.us/PreciousMetals/Reports/ActiveDealers.aspx

The BBB provides reports on both accredited and non-accredited businesses. Check BBB Business Review Reports at www.bbb.org. For more information, call (409) 835-5348 or (855) BBB-SETX or e-mail info@bbbsetexas.org.

From KFDM "Live at 5" & KSET: Lose Weight not Money

1/9/2012

Posted on 1/9/2012 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, Better Business Bureau recommends asking ten questions before signing onthe dotted line.

Each New Year millions of consumers crowd into gyms armed with will power and personal goals toward healthier, more active lifestyles. While it’s exciting to gear up towards a goal, it’s also important to treat this decision like any other major purchase. To date, BBB has received more than 6,600 complaints against gyms ranging everywhere from billing and collection issues to overall contract issues.

Joining a health club can be a major purchase, so first check out www.bbb.org/search to see how your club rates. BBB also recommends asking the gym and yourself the following questions before signing up for a membership:

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

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

Five questions to ask yourself when looking at potential gyms/health clubs:

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 work out. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

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

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

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

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

From KBMT/KJAC: BBB Names Top Ten Scams of 2011

1/3/2012

Posted on 1/3/2012 by

Better Business Bureau 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. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.

We’ve divided scams up 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 away 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 “verify” you 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 organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50 cents 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

Yep, it’s us – the BBB phishing scam. 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.

BBB Advice for Tackling Holiday Gift Returns

12/28/2011

Posted on 12/28/2011 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. 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.

It’s important for retailers to 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas.

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 your 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 can 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 Board Announces 2012 Officers

12/28/2011

Posted on 12/28/2011 by

The Better Business Bureau that serves the eight-counties and the Bolivar Peninsula of Southeast Texas has announced the officers of its Board of Directors for 2012. They include Board Chairperson -– Bill Hecht, CFO of CHRISTUS Health Southeast Texas Region; Vice-Chairperson -- Robert Edgar, Shareholder of Edgar, Kiker & Cross, CPA and Consultants; Treasurer -- Dan Bell, VP Business Lending of MCT Credit Union; Chairperson-Elect for 2013 -- Tim Sudela, President of American Valve & Hydrant; Secretary -- Paul Skinner, Owner/President of Star Graphics, Inc.; and past Board Chairperson -- Barry Bryant, Marketing Manager of Bill Clark Pest Control, Inc.

Twenty-five other prominent business leaders in the region including Slate Babineaux, Vice President of Air Comfort, Inc.; Jim Broussard, Co-CEO of Broussard’s Mortuary; Jed Dollinger, Senior Partner (Retired) of Wathen, Deshong & Juncker, CPA; George Crawford, General Manager of Lamar Advertising; Robert Bertrand, President of Cotton Cargo; and Shawn Hanley, VP/Marketing of Howell Furniture Galleries.

Also on the BBB Board are Dan Robbins, SVP/General Manager at KBMT-TV; Michael Sculley, Sales Manager of Kirksey’s Sprint Printing; Sally Broussard, Chief Authority Officer of Spindletop Center; Tim Baker, President of Baker Auto Repair; Jarren Garrett, Executive Director of Baptist Hospitals of Southeast Texas-Orange; Corinne Creason, Owner of Manning’s School Supplies; Mike Hebert, President of Texas Marine & Brokerage, Inc.; Jada Kelley, President/CEO of DuPont Goodrich Federal Credit Union; Steve McGrade, President of Able Fastener, Inc.; Mark Russo, Senior Analyst of Entergy Texas; Ann Scoggin, Owner of Coldwell Banker Southern Homes; Gail Shook, Owner of Airport Travel Agency; Jerry Sonnier, Owner/President of Coastal Roofing Specialists; Laura Sattler, Owner/Vice President of Beaumont Dealers Auction, Inc.; Anthony Toups, General Sales Manager at Classic Chevrolet; Bo Weinbaum, Owner of PRIMCO; Ron Wheeler, General Manager of Southern Lawn & Landscapes, LLC; and David Thornhill, President of Southwest Building Systems.

Serving on the 2012 Executive Committee will be Sculley, Baker, Toups, Broussard, and Bertrand.

“We are very pleased to have this caliber of business leaders at the helm of our regional Better Business Bureau, which is regionally governed and funded,”said Michael Clayton, BBB President/CEO. “Each is sensitive and committed to our mission to “Start With Trust” -- advancing integrity and an ethical marketplace throughout all of southeast Texas,” he added.

From "Live at 5": End of Year Charitable Giving

12/14/2011

Posted on 12/14/2011 by

Charitablenon-profits are dependent upon the contributions of individuals, businesseslarge and small, and national/international corporations to meet their missionendeavors and projects. Manysolicit last minute year-end gifts and contributions. But who can you trust to do what they say they are going todo?

Here are some important tips concerning charitable giving:

1. How much is contributed annually to charities and whogives the money? There are nearly one million tax exempt non-profit charities. More than 300 billiondollars was given last year in the United States to charities; 6%from corporations and 94% by individuals. Half of those contributions were to religiousorganizations – churches, etc.

2. Whatare some general tips you would suggest about charitable giving? Do not give cash -- write a check to the charity’sfull official name; neverto the individual collecting the donation. Secure and keep receipts,canceled checks, etc. -- IRS requires donations of $250 or moreto be substantiated with a written receipt.

3. Whatshould a company or individual do before giving to a national orinternational charity? Don’t be pressured to make an immediate gift . . . askfor information onits programs and finances. "Investigate before your donate”. Checkout the organization with the “BBB Wise Giving Alliance” at www.give.org,or the Better Business Bureau -- (409) 835-5348 (855) BBB-SETX or onlineat www.bbb.org.

BBB Tips for Avoiding the Holiday Travel Headache

12/12/2011

Posted on 12/12/2011 by

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

“Before hitting the roads, give your car the attention that it needs,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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/

From KSET: Tis' the Season for Holiday Scams

12/12/2011

Posted on 12/12/2011 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. With information on the five scams this season is Debbie Bridgeman, Communications Director for the BBB in Southeast Texas.

Scam shopping sites online

Look forthe BBB seal when shopping online and click on the seal to confirm it. Make sure it is legitimate. Investigate unfamiliar shopping websites. Check the business out with the BBB before you buy.

Finding the season’s hottest toys and gadgets online

Shop locally on Craigslist and conduct the transaction in person; NEVER wire money as payment. If you are purchasing items on auctions like eBay, research the seller extensively and listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall

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. Cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Bogus charitable pleas

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

Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. Beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software.

For more advice on being a savvy consumer this holiday season, call (409)835-5348 or (855) BBB-SETX.

ALERT: Malicious Complaint Email Claiming It’s From BBB

12/7/2011

Posted on 12/7/2011 by

They're at it again! Phony emails bearing the BBB name are bombarding in-boxes across the country and right here in Southeast Texas. The recent attack on consumers and businesses led the FBI to issue an alert this week about the recurrent scam.

Like many financial institutions and government agencies, BBB's visibility and reputation for trust makes us an ideal vehicle for scammers. Consider that bbb.org receives over six million visits every month; this makes us an attractive decoy for fraud and malicious activity.

We recommend that all domain owners set up a sender policy framework (SPF) and set their spam filter to use it. “Using the SPF standard helps fight spam and phishing attacks by allowing your email servers to verify whether an email is legitimate.

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

There is one authentic BBB email address that should be whitelisted:

@bbbsetexas.org

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

Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office. If you "whitelisted" the address above, this may eliminate your problems.
Hover your mouse over the link to see if its destination is really a bbb.org address.
Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.

Note - an authentic email from BBB will always:

come from your local BBB - not the Council of Better Business Bureaus or a BBB from another state.
the from email address is xx@bbbsetexas.org. The "xx" will be replaced with ‘complaints’ or your BBB complaint contact person's name, which is either Jay Sheppard or Ivy Cobb.
the email will include a secure HTTPS link to the complaint details.
complaints are never sent as attachments.

The BBB system is working with federal law enforcement agencies to identify the perpetrator(s) of this fraud and has retained a deactivation company to help with those efforts.

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

This is what the email looks like:

Subject: The Better Business Bureau customer complaint.

Valued business owner, we have obtained several reports via the Better Business Bureau online complaint center concerning several unauthorized transaction from a number of checking bank accounts to your corporate account. You can view the reports in our online complaint center using the following link:

http://traffic.lawnservicephoenixaz.com/main.php?page=79517303f67f5c68

Your login data:
Complaint ID: #14962
Password: 10812:

The Better Business Bureau acts as an intermediary between US and Canadian consumers and business, and assists in mitigating consumer-related issues as an impartial third-party service. In special cases The Better Business Bureau has the right to initiate a formal investigation of a business involved in feedback.

Sincerely,
Dispute Resolution Officer. George Peterson

Council of Better Business Bureaus
3033 Wilson Blvd, Suite 600
Arlington, VA 22201

BBB Warns Homeowners on Changes to Mortgage Rules

12/5/2011

Posted on 12/5/2011 by

Starting December 1, 2011, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

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

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

· Deal directly with your lender first, and never make payments to anyone other than your lender.

· Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.

· Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.

· Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.

· Be especially careful of look-alike and sound-alike websites.

· Find out if you qualify by going to www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).

· Report scams to BBB at www.bbb.org/us/scam-source.

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

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

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

From KSET: Avoid the Holiday Travel Headache

12/5/2011

Posted on 12/5/2011 by

“Before hitting the roads, give your car the attention that it needs,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “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:

Take the car infor 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.

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

From KSET: Online Shopping Tips

11/28/2011

Posted on 11/28/2011 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 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. According to the National Retail Federation, 7 in 10 online retailers expect their sales to grow at least 15% this holiday season. The NRF’s holiday survey also found that the average person plans to do 36% of his or her 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 onthousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

BBB WARNING ... Beware of a malicious BBB e-mail

11/23/2011

Posted on 11/23/2011 by

Better Business Bureau is warning businesses to beware of a new malicious e-mail that pretends to be from BBB about a complaint filed against the company. The e-mail first came to BBB’s attention on November 21, 2011.

The BBB has been flooded by calls from local businesses and many across the US have reported receiving a suspicious e-mail from the address alert@bbb.org or services@bbb.org with the subject line "BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-accredited businesses have been targeted.

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

BBB is NOT sending this Email!

If you are receiving this email, do nothing! This is a scam.

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 at 409/835-5348 or 855/BBB-SETX.

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

A copy of the actual e-mail follows:

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

Winners of the 2012 BBB Torch Awards

11/17/2011

Posted on 11/17/2011 by

Star Graphics, Inc., Airport Travel Agency, and DuPont Goodrich Federal Credit Union, all of Beaumont, are the winners of the 2012 Torch Awards for Marketplace Trust presented Tuesday night, May 8, by the Better Business Bureau in Southeast Texas during its 15th annual awards presentation banquet. The event was held at the Beaumont Civic Center with over 500 in attendance.

The BBB Consumer Education Foundation, Inc. made a $10,000 contribution to continue funding endowed scholarships at Lamar University College of Business, bringing total contributions for the past 15 years to $150,000.

KFDM-Channel 6 TV in Beaumont and Tim Sudela, President of American Valve & Hydrant in Beaumont, each received this year's recognition as the “Friend of the BBB." Mark Sanborn, President of Sanborn & Associates, Inc., was the keynote speaker.

Finalists for this year's awards included:

For-Profit Large Category

Anderson Ford Mercury of Cleveland

Copy and Camera Technologies of Beaumont

Star Graphics, Inc. of Beaumont

For-Profit Small Category

Airport Travel Agency of Beaumont

American Steam-A-Way & Summer’s Flooring of Port Neches

Main Dish Studio Kitchen of Beaumont

Not-For-Profit Category

Buckner Children & Family Services of Beaumont

DuPont Goodrich Federal Credit Union of Beaumont

Spindletop Center of Beaumont

Star Graphics, Inc. was the For-Profit Large Business winner, Airport Travel Agency was the For-Profit Small Business winner, and DuPont Goodrich Federal Credit Union was the Non-Profit winner.

Larry Beaulieu, former General Manager of KFDM-TV, was the Master of Ceremonies at this year's award gathering. Jessica Guidry and Brian Glenn of KBTV-TV, Kevin Steele and Jackie Simien of KBMT-TV, Bill Leger and Kelli Phillips of KFDM-TV, and Mary Sturgill and Greg Picazo of KJAC-TV, introduced award finalists and announced the three winners.

Proceeds from the Torch Award for Marketplace Trust presentation banquet, and silent auction benefited the BBB Consumer Education Foundation, Inc., to support the endowed scholarships at Lamar University College of Business.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

BBB Revokes Accreditation of Three Businesses

11/16/2011

Posted on 11/16/2011 by

The Better Business Bureau in Southeast Texas has revoked the BBB Accreditation of three businesses. The revocations were approved by the BBB Board of Directors at their November meeting.

The BBB Accreditation of SETX Landscape Construction, LLC of Winnie, Trainer Lock and Key Locksmith of Port Arthur and JT Construction of Orange was revoked due to their failure to comply with Code of Business Practices Standards for BBB Accreditation.

SETX Landscape Construction, LLC failed to comply with BBB Code of Business Practices #1D, #5, #6A and D which states an Accredited Business must: 1. Build Trust - Establish and maintain a positive track record in the marketplace; D. Be free of an unsatisfactory rating and maintain at least a B rating at the accrediting BBB; 5. Honor Promises - Abide by all written agreements and verbal representations; 6. Be Responsive - Address marketplace disputes quickly, professionally, and in good faith; A. Promptly respond to all complaints forwarded by the BBB; D. Cooperate with BBB in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by the BBB.

Trainer Lock and Key Locksmith failed to comply with BBB Code of Business Practices #1B requiring BBB Accredited Businesses to: 1. Build Trust - Establish and maintain a positive track record in the market place; B. Fulfill all licensing and bonding requirements of applicable jurisdictions; provide all license and bonding information upon application for BBB accreditation; and provide periodic updates upon request of the BBB.

JT Construction failed to comply with BBB Code of Business Practices #6A, B and C, which requires that an Accredited Business must: 6. Be Responsive - Address marketplace disputes quickly, professionally, and in good faith; A. Promptly respond to all complaints forwarded by the BBB; B. Make a good faith effort to resolve disputes, which includes mediation if requested by the BBB; C. Comply with settlements, agreements of decisions reached as an outcome of a BBB dispute resolution process.

Per the Better Business Bureau by-laws, these above-mentioned businesses will have 30 days upon notification to appeal the decision to the Board Chairperson for review by the Board of Directors.

“Businesses who apply for BBB Accreditation must meet the eight standards in the BBB Code of Business Practices, and they must maintain those standards to continue their BBB Accreditation,” stated BBB President/CEO Michael Clayton.

For more information, call 409/835-5348 or 855/BBB-SETX.

From KSET: BBB Advice for Purchasing Gift Cards

11/14/2011

Posted on 11/14/2011 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, 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, and cards that state an expiration date that is coming up or that has passed,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

From "Live at 5": Holiday Shopping Tips

11/7/2011

Posted on 11/7/2011 by

Christmas is fast approaching, but it’s not too early to be an informed shopper! Being a smart buyer and “giver of gifts,” helps to prevent disappointments and heartaches before and after December 25th. Here are a few holiday shopping tips.

1. Shopping online is the norm today, but what is important to remember?

Is the site secure?

Will the delivery be made before Christmas?

Make sure to read all information carefully.

Is this a reliable company?

Keep a copy of the web site agreement

Is the merchandise guaranteed?

What is the customer satisfaction policy?

Do they have a privacy policy?

What is the return policy?

Guard your personal information.

Buy with a credit card, not debit.

2. Are retailers required by law to make exchanges, give refunds or returns?

Not at all, unless the product is defective or was misrepresented. Retailers voluntarily adopt their own policies simply as a customer service. Know the store’s policies before you buy, which should be clearly posted in the store; ask if is not.

3. What about the giving of gift cards?

Very popular; however, in light of possible store closings and bankruptcies, consider generic bank gift cards or mall cards.

4. Where can a smart shopper go to learn more about the retail stores and online companies they wish to shop?

Business Reviews online, off line, and mobile app at m.bbb.org. Contact the BBB 24 hours a day (409) 835-5348, (855) BBB-SETX or online at www.bbb.org.

From KSET: Small Business Saturday

11/7/2011

Posted on 11/7/2011 by

In honor of Small Business Saturday, a day dedicated to supporting small businesses on the busiest shopping weekend of the year, Better Business Bureau 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 prosper of the small businesses in the days and years to follow,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “We’d like to encourage our consumers to take advantage of this day and show support to the small businesses in their community.”

In preparation for Small Business Saturday, FedEX will be giving away 40,000 $25 American Express gift cards to lucky consumers, which can be used to shop at small businesses on Saturday, November 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. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: "Dear Santa" Websites

11/7/2011

Posted on 11/7/2011 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 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.

BBB Announces Newly Elected Directors for 2012

10/31/2011

Posted on 10/31/2011 by

Beaumont, Texas – November 1,2011 – The Better Business Bureau that serves the eight-counties of southeast Texas and the Bolivar Peninsula, has announced ten members of its Board of Directors who were recently elected by BBB Accredited Businesses. Each will serve a three-year term from January 1, 2012, through December 31, 2014.

Regional business leaders recently elected include Dan Bell, VP of Business Lending at MCT Credit Union; George Crawford, General Manager of Lamar Advertising; Corinne Creason, Owner of Manning’s School Supplies; Mike Hebert, President of Texas Marine & Brokerage; and Jada Kelley, President/CEO of DuPont Goodrich FCU.

Five other leaders who were elected include Steve McGrade, President of Able Fastener; Dan Robbins, SVP/General Manager of KBMT-TV; Mark Russo, Senior Analyst with Entergy Texas; Gail Shook, Owner of Airport Travel Agency; and David Thornhill, President of Southwest Building Systems.

These individuals join other Directors currently serving a three-year term continuing into 2012. They include Slate Babineaux, Vice-President of Air Comfort; Tim Baker, President of Baker Auto Repair; Robert Bertrand, President of Cotton Cargo; Jim Broussard, Co-CEO of Broussard’s Mortuary; Sally Walden-Broussard, Executive Director of Spindletop Center; Barry Bryant, Sales Manager of Bill Clark Pest Control; Jed Dollinger, Senior Partner (Retired) of Wathen, Deshong & Juncker; Robert Edgar, Shareholder with Edgar, Kiker & Cross; Mike Sculley, Sales Manager with Kirksey’s Sprint Printing; and Shawn Hanley, VP of Marketing at Howell Furniture Galleries.

Also continuing their terms on the Board next year will be Bill Hecht, CFO of CHRISTUS Health Southeast Texas Region; Tom Jordan, Owner of U.S. Flag & Flagpole Supply; Ann Scoggin, owner of Coldwell Banker Southern Homes; Paul Skinner, President of Star Graphics; Jerry Sonnier, Owner/President of Coastal Roofing Specialists; Tim Sudela, President of American Valve & Hydrant; Anthony Toups, General Sales Manager at Classic Southeast Texas; Bo Weinbaum, Owner of PRIMCO; and Ron Wheeler,General Manager of Southern Lawn & Maintenance.

“We are very pleased to have this caliber of business leaders at the helm of our regional Better Business Bureau, which is regionally governed and funded,” said Michael Clayton, BBB President/CEO. “Each is sensitive and committed to our mission to “Start With Trust” -- advancing integrity and an ethical marketplace throughout all of southeast Texas,” he added.

From KSET: BBB Advice on the Layaway Process

10/31/2011

Posted on 10/31/2011 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 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 for them. The customer then has typically 30 to 90 days to make periodic payments to pay off the balance. Once it is paid off, the customer can take the items home.

“Layaway services can be a great alternative to the using a credit card,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.bbb.org/us/bbb-news.

BBB Revokes Accreditation of Two Businesses

10/18/2011

Posted on 10/18/2011 by

The Better Business Bureau in Southeast Texas has revoked the BBB Accreditation of two businesses. The revocations were approved by the BBB Board of Directors at their October meeting.

The BBB Accreditation of Holden Roofing Inc. of Richmond and Mr. Carpet of Beaumont was revoked due to their failure to comply with Code of Business Practices Standards for BBB Accreditation.

Holden Roofing Inc. failed to comply with BBB Code of Business Practices #1D which states an Accredited Business must establish and maintain a positive track record in the marketplace and be free of an unsatisfactory rating and maintain at least a B rating at the accrediting BBB and the BBB where it is headquartered.

Mr. Carpet failed to comply with BBB Code of Business Practices #2E and #6A resulting in revocation. Code #2E states an Accredited Business must adhere to established standards of advertising and selling using the BBB logo in accordance with BBB policy. Additionally, code #6A requires that an Accredited Business address marketplace disputes quickly, professionally, and in good faith by promptly responding to all complaints forwarded by the BBB by: (1) Resolving the complaint directly with the complainant and notifying the BBB, or (2) Providing the BBB with a response that the BBB determines: is professional, addresses all of the issues raised by the complainant, includes appropriate evidence and documents supporting the business' position, and explains why any relief sought by the complainant cannot or should not be granted.

Per the Better Business Bureau by-laws, Mr. Carpet will have 30 days upon notification to appeal the decision to the Board Chairperson for review by the Board of Directors. However, Holden Roofing Inc. has been revoked by the Houston BBB where they are headquartered; therefore, cannot appeal to the BBB in Southeast Texas.

For more information, call 409/835-5348 or 855/BBB-SETX.

From KSET: Kids Safety on Social Networks

10/17/2011

Posted on 10/17/2011 by

The popularity of social networking continues to grow among kids. The number of users on Facebook that are between the ages of 13 and 18 grew by 88% in 2009 to 10.7 million. Social networking sites can provide a secure way for kids to connect with each other, but they can also be exploited for any number of nefarious purposes. Here are some BBB tips for parents who want to help keep their kids safe online.

Explain the Difference Between Sharing and Oversharing – While social networking is about sharing photos, thoughts and experiences, explain to your kids that they should never share personal information such as phone numbers, addresses, bank account numbers, passwords or their Social Security numbers.

“Never talk to strangers” applies online too – Even though chatting with a stranger online can seem harmless, the relationship can evolve and grow until the stranger hasearned your child’s trust—and can then exploit it.

Set strict privacy settings – Talk to your child about restricting access to his or her profile to only friends or users in safe networks such as their school, clubs or church groups.

Keep the channels of communication open – Let your kids know that you are always ready to talk if they are ever threatened, bullied or feel uncomfortable about an experience they had online.

Join them online - If you haven’t already, set up your own account in the same social networks. This will help you better understand what social networking is all about.

More information: www.onguardline.gov or www.bbb.org

(409) 835-5348 or (855) 855-BBB-SETX

Child Identity Theft Protection and Education

10/17/2011

Posted on 10/17/2011 by

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 ishosted 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.

From "Live at 5": Drought/Soil Foundation Problems

10/12/2011

Posted on 10/12/2011 by

The extended drought in southeast Texas over the past two years, combined with the soil conditions of the region, is playing havoc with home foundations. Companies who specialize in foundation repairs stay swamped with requests. What should you do?

1. What are some tips for a consumer who is in need of foundation repair?

Make sure that you and the contractor understand exactly what workis to be done -- put it down in writing -- be specific -- if they won’t it should be a warning that the company may not stand behind its word . . .

Compare prices by getting at least three cost quotes -- beware of “low-ball” bidders . . .

Don’t rush into signing a contract -- Don’t sign blank contracts. Get a copy of everything you sign . . .

Don’t pay for work that has not been done -- don’t sign a completion certificate until the work is complete and you’re satisfied.

2. What about recommendations and references?

Start with the BBB -- get a business review and ratings on the companies you are considering . . . call (409) 835-5348 or (855)BBB-SETX 24 hours a day and/or www.bbb.org.

Call references of satisfied customers before signing a contract -- if company is unwilling to give references, they may have something to hide . . .

Beware! . .. sometimes “references” turn out to be people paid to say good things . . . If possible, look at examples of the contractors work -- check out work in progress and jobs already completed.

BBB Advice on New Fees for Debit Card Users

10/10/2011

Posted on 10/10/2011 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 ofthe 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas.

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. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Halloween Costume Shopping Tips

10/10/2011

Posted on 10/10/2011 by

Beaumont,TX – October 10, 2011 – 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 many complaints regarding general merchandise retailers 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.  

· Guardyour personal information. Only provide your credit card information number online in a secure environment. Look for the prefix “https” in the URL box which lists the website’s web address to be sure that a site you are using is secure.  

Visit www.bbb.org to check the reliability of a company and find trustworthy businesses.

Business Owners to Secure Their Online Banking

10/3/2011

Posted on 10/3/2011 by

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

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

“In this day and age when practically everything is done on the Internet, it’s extremely important to take the necessary precautions,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 work stations. Restrict the use of certain workstations and laptops to be utilized solely for online banking and payments, if possible. For example, a work station 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.

From KSET: Don't Drive into an Auto Repair Scam

9/20/2011

Posted on 9/20/2011 by

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

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

“Many times consumers realize that they have been scammed, but they don’t have anyway of proving it,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “It’s extremely important to get all estimates for parts and labor in writing first before authorizing anything.”

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

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

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

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

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

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

Identity Theft: Children at Risk

9/14/2011

Posted on 9/14/2011 by

Hundreds of online businesses are finding inactive Social Security numbers –most of which are assigned to children under the age of 18 - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children. Better Business Bureau is warning parents to be on the lookout for signs that point to their child’s identity being compromised or stolen.

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

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

Be aware of how to obtain your child’s credit report. 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 your child is in the clear. 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.

Recognize the signs of trouble. Watch out for red flags indicating there might be identity theft, 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.

From KFDM "Live at 5": Service Contracts

9/13/2011

Posted on 9/13/2011 by

When buying a camera, microwave, television, a toaster, or many other items, you may be offered a “service contract.” Are they a good idea? Are they worth the additional money?

1. What is a service contract, and what about warranties?

Often called “extended warranties” -- service contracts are not warranties . . . come at an extra cost . . . like purchasing insurance for repair or maintenance hassles . . . before you buy, make sure you actually need one, and you are not duplicating the product’s warranty coverage.

2. What should you consider when offered a service contract?

• What is covered by the contract? . . . most do not cover repairs for misuse or failure to properly maintain the product.

• What will the contract provide that the warranty does not? Compare the warranty coverage to that of the service contract to see if it is worth the additional expense.

• Is the product likely to need repairs? You may not benefit from the contract if the product is not likely to need servicing.

• What additional expense will you incur? Like insurance policies, service contracts often have deductibles.

• Where can you get service? If a local retailer offers the service contract, you may only be able to get local service.

• Can you purchase the service contract at a later date? Consider waiting until the warranty expires before buying the service contract.

3. What are the most important things we should do when considering a service contract?

Read the contract thoroughly . . . don’t rely on promises of salesperson or company brochure . . . before making decision, compare the cost of contract against the value of the item purchased . . . contact the BBB for more information at (409) 835-5348 (855) BBB-SETX or www.bbb.org.

From KSET: Making “Golden” Gold Transactions

9/13/2011

Posted on 9/13/2011 by

As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Many are looking to new investment plans to help their money grow. With the price of gold at an all time high of more than $1,700 per ounce, Better Business Bureau is advising consumers to do their homework before making tempting gold transactions.

Whether through an online venue, an at home “gold party,” or your local jeweler, many consumers are looking to sell their gold jewelry for some quick cash. However, not just any dealer can be trusted. In just this year alone, BBB has already received more than 500 complaints against gold, silver and platinum dealers, a number that is well on its way to reaching 2010’s 581 total complaints.

“Consumers need to be on the lookout for not so reputable sellers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Many of the complaints we receives them from false advertising and delivery issues where the consumer ends up being appraised far less than what they thought their gold was worth.”

BBB recommends following these tips to ensure a “golden” gold transaction:

Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Always check with BBB first at www.bbb.org. BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

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

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

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

Know the terms and conditions when sending items by post. Make sure your items are insured when being shipped, so if they are lost you can recover the value. Obtain appraisals prior to mailing items, so if they are lost you have proof of their value. Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability. Make a list of the items included inthe package, keep a copy for yourself, and put a copy in the envelope. Take a picture of the items you are sending, including any identifying marks.

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

"Shred It & Forget It" Sets New Record

9/13/2011

Posted on 9/13/2011 by

The BetterBusiness Bureau of Southeast Texas is proud to announce that our eleventh “ShredIt & Forget It!” set a new all-time record! 467 vehicles were served and over 46,000pounds of shredded documents were collected! For eleven events, this putsthe BBB in Southeast Texas at a grand total of 3711 vehicles served and 277,000pounds collected!

Theevent, which was held on Saturday, September 10, 2011, on the Parkdale Mallparking lot, was an effort to reduce identity theft. The BBB thanks Shred-It,MCT Credit Union, Bill Clark Pest Control, Beaumont Coca-Cola, Chick-fil-A—ParkdaleMall, West Brook High School Key Club, Legacy Christian Academy Key Club, LamarUniversity’s Rotaract, ClearChannel Radio, and ParkdaleMall for their help in making this event possible.

”Shred It & Forget It!” will be available to consumersin Southeast Texas twice a year; Central Mall in the spring and Parkdale Mallin the fall. The BBB continues tostress the importance to shred your confidential documents; when improperlydisposed of, it can lead to identity theft. For more information,call 409/835-5951, Ext. 117, or e-mail debbiebridgeman@bbbsetexas.org.

From KSET: The Grandparent Scam is back!

8/29/2011

Posted on 8/29/2011 by

Well-meaning senior citizens who think they are helping a grandchild in distress are becoming victims of another wave of the so-called “Grandparent Scam,” warns Better Business Bureau. So far, the scam has targeted grandparents in more than a dozen states and Canadian provinces and stolen as much as $19,000 from one victim alone.

“The grandparent scam preys on the love of a grandparent for their grandchildren and has proven to be an extremely lucrative con for scammers,” said MichaelClayton, President/CEO of the Better Business Bureau in Southeast Texas. “Fortunately, this is an easy scam to avoid as long as you don’t let your emotions get the best of you.”

Typically, the grandparent receives a frantic phone call from whom they are led to believe is their grandchild. A scammer, posing as their grandchild, explains that he or she has gotten into trouble—often in Canada—and needs their help. The “grandchild” might claim he or she caused a car accident or was arrested for drug possession. With the new wave of calls, victims are also contacted by someone claiming to be a police officer or lawyer representing the grandchild in court.

The “grandchild” pleads to the grandparents to not tell his or her parents and asks that they wire thousands of dollars for reasons including posting bail, repairing the grandchild’s car, covering lawyer’s fees or even paying hospital bills for a person the grandchild injured in a car accident.

One couple in Wisconsin recently sent $19,000 to scammers posing as their grandson and his supposed lawyer. The scam has also targeted individuals in Connecticut,Iowa, Idaho, Kentucky, Utah, Massachusetts, Missouri, Nebraska, Texas, Washington, WestVirginia and Canada including residents of British Columbia and Manitoba.

If you receive a call from someone claiming to be your grandchild in distress, BBB advises that you don’t disclose any information before you have confirmed it really is your grandchild. If a caller says “It’s me,grandma!” don’t respond with a name but instead let the caller explain who he or she is. One easy way to confirm their identity is to ask a simple question that your grandchild would know such as what school he or she goes to or their middle name.

If you have fallen victim to the scam, BBB recommends that you report the incident immediately to local police and your state Attorney General’s office. If there is a request to wire money to Canada, the Canadian Anti-Fraud Call Centre has established the PhoneBusters hotline and Web site to report such fraud. Reports can be filed easily online through the PhoneBusters site at: www.phonebusters.com, or by phone, toll free at, 1-888-495-8501.

For more information visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

“Shield” Yourself from a Cell Phone Radiation Scam

8/29/2011

Posted on 8/29/2011 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,” Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “It’s important for consumersto 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 cellphone electromagnetic emissions:

Go hands free. When chatting onthe 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. Whenyou 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 toyour 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 www.bbb.org/us/bbb-newsand for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

BBB Advises Homeowners on Mold Must-Knows

8/22/2011

Posted on 8/22/2011 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, along with 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 on mold and mildew eradicators,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 mold and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in yourshower 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.

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.

Formore tips you can trust, visit www.bbb.org/us/bbb-news.

Accreditation Revoked of Area Business

8/17/2011

Posted on 8/17/2011 by

The Better Business Bureau in Southeast Texas has revoked the BBB Accreditation of a Lake Charles business that advertises and solicits business from Southeast Texas consumers. The revocation was approved by the BBB Board of Directors at their August meeting.

The BBB Accreditation of Nissan of Lake Charles was revoked due to their failure to comply with Code of Business Practices Standards for BBB Accreditation #6A which states BBB Accredited Businesses will be responsive, addressing marketplace disputes quickly, professionally, and in good faith.

The Code of Business Practices requires Accredited Businesses to promptly respond to all complaints forwarded by the BBB by: (1) Resolving the complaint directly with the complainant and notifying the BBB, or (2) Providing the BBB with a response that the BBB determines: is professional, addresses all of the issues raised by the complainant, includes appropriate evidence and documents supporting the business' position, and explains why any relief sought by the complainant cannot or should not be granted.

The section of the code in question continues by requiring that a BBB Accredited Business must make a good faith effort to resolve disputes, which includes mediation if requested by the BBB. Other dispute resolution options, including arbitration, may be recommended by the BBB when other efforts to resolve a dispute have failed. The BBB may consider a business’ willingness to participate in recommended dispute resolution options in determining compliance with these standards.

Per the Better Business Bureau by-laws, Nissan of Lake Charles has 30 days upon notification to appeal the decision to the Board Chairperson for review by the Board of Directors.

For more information, call 409/835-5348 or 855/BBB-SETX.

BBB Board Confirms President/CEO – Elect

8/16/2011

Posted on 8/16/2011 by
John Paschall was confirmed today by the Board of Directors of the Better Business Bureau in Southeast Texas to serve as its next President/CEO beginning January 1, 2012. He will succeed Michael Clayton who is retiring from the BBB at the end of this year. Paschall will serve as President/CEO–Elect beginning November 15.

Paschall, a Kirbyville native, was selected following a three-monthnation-wide search and interview process by a special committee of the BBB Board. He will be coming to southeast Texas from the Better Business Bureau office in Ft. Worth, where he has served as the Operations Manager for the last three years.

Prior to joining the BBB in 2008, Paschall worked for UPS in various supervisory roles across the DFW metroplex. He received his masters degree from Texas Christian University and his bachelor degree from State University of New York, Regents College. Paschall also holds three professional certifications in human resource management, and is an ordained minister in the United Methodist Church.

Clayton will be leaving the BBB after a successful 15-year career to enter private business as a professional speaker, corporate trainer, and business consultant. As the “Ambassador for Trust,” he will work closely with the Better Business Bureau organization across North America. Paschall will join Clayton the last six-weeks of this year as part of a planned transition strategy.

“The Board of Directors are enthusiastic about John Paschall becoming our incoming President/CEO,” said BBB Chair Barry Bryant. “He will be a tremendous addition to our mission and regional operation,” he added.

From KSET: Debt Consolidation, Negotiation and Elimination

8/16/2011

Posted on 8/16/2011 by

Consumers are being battered on all fronts and offers from companies to help get them out of debt are extremely tempting in troubling times. Offers of debt negotiation, debt settlement, and debt elimination are three different options available to consumers. Better Business Bureau advises consumers to ensure they understand these critical differences before enlisting the help of a company to manage their debt or they could end up making their current financial situation worse.

While the unemployment rate continues to rise, so do complaints filed with BBB against companies that claim to help consumers manage their debt. In fact, complaints against debt consolidation and negotiation companies continue to rise year after year.

“Consumers are bombarded every day with ads and e-mails offering services to manage or reduce debt and it’s hard to know which offer will work for them, let alone if the company can be trusted,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “Families in debt may think their situation can’t get any worse, but trusting the services of some debt negotiation, consolidation or elimination firms can actually lead to increased debt and bigger headaches.”

To help consumers understand various options for dealing with debt, BBB offers a brief explanation of debt negotiation, consolidation and elimination services and tips on finding help to deal with debt:

Debt Negotiation/Settlement

Debt negotiation companies claim that they will negotiate with a consumer’s lenders to lower the total amount of debt owed for an upfront fee. Unfortunately, some consumers who paid for debt negotiation services found out that the company never contacted their lenders, but instead, took their money and ran. Because the debt negotiation company made it sound like they had everything under control, the consumer stopped talking directly with their lenders and ended up slipping deeper into debt. Relying on debt negotiation firms could also put a dent in a consumer’s credit report.

Debt Consolidation

Debt consolidation companies offer to roll up various debts allowing the debtor to make one lower payment to the company, rather than many payments to the different lenders. While debt consolidation can make paying monthly bills more manageable, some companies tack on high fees and charge exorbitant interest rates, which means the consumer is paying much more in the long run.

Debt Elimination

Companies that offer debt elimination rely on many different schemes but they all hinge on the notion that credit lines are illegal. Debt elimination companies typically provide, for an upfront fee, a document for the lender that supposedly absolves the consumer of the debt. Unfortunately, the document has no bearing whatsoever on the debt owed and consumers paying for such services have found that they’ve wasted money on a debt elimination scheme that would have been better spent on actually paying back their debts.

Before enlisting the help of a business to manage debt, BBB offers the following advice for consumers.

Stay in contact with lenders and try to work out a plan with them first before enlisting outside help.
Always check the company out first with BBB. BBB Reliability Reports on debt negotiation, consolidation, and elimination companies are available online for free at www.bbb.org.
Start with a credit counseling service. Credit counseling services are often nonprofits that offer financial guidance for a small fee, or even for free. Click here for more advice on choosing a credit counseling agency.
Beware of offers that sound too good to be true. There is no easy fix for reducing debt and any company that makes huge claims and guarantees, probably can’t deliver.

For more advice on dealing with debt including how to manage a budget, go to www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

From KFDM "Live at 5": Grandparents Scam Update

8/8/2011

Posted on 8/8/2011 by

Social Media Providing Scammers Sources

to Dupe Unsuspecting Grandparents

Senior age adults should be aware of an emerging telephone scam that is again preying on grandparents across the country. You may think you are aiding your grandchildren by providing money for an emergency situation but are in fact giving thousands of dollars to con artists.

1. Explain what is being done? Grandparent receive distressed phone call from who they believe is their grandchild . . . supposed grandchild typically explains that they are traveling and have been arrested or involved in an auto accident … need grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars . . . One grandma reportedly sent $15,000 to scammers.

2. How does the scam work? Social media sources -- perpetrators are obtaining phone numbers . . . or they are calling random numbers until they happen to reach an older adult . . . tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks . . . the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

3. How can Grandparents protect themselves? Preys on the emotions of seniors who want to ensure the safety of their grandchildren . . . Remain calm . . . Confirm -- call them directly or verify the story with other family members . . . Wiring money through Western Union or MoneyGram should be a “red flag” . . . funds sent via wire transfer are hard to track once received by scammers and usually not recoverable by law enforcement or banking officials.

4. What if you’re a victim of this scam? Report the incident immediately to police departments and state Attorneys General offices . . . For further details, call 409/835-5348 or 855/BBB-SETX or www.bbb.org.

From KSET: Job Scams for Job Hunters

8/8/2011

Posted on 8/8/2011 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 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 emails 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.

How to Stretch Your Gas Dollars this Summer

8/3/2011

Posted on 8/3/2011 by
Gasoline prices have risen well above $4.00 a gallon in most every state across the country. The average U.S. family with two drivers is now paying nearly $1,000 more annually for gas than they were just two years ago according to a recent study by research gurus, Sperling's BestPlaces. Although there are practical steps you can take to increase gas mileage, Better Business Bureau warns consumers to be wary of gas-saving claims that empty your wallet, instead of saving you fuel.

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

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

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

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

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

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

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

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

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

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

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

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

Is Retirement in Your Future?

7/18/2011

Posted on 7/18/2011 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 www.bbb.org/us/bbb-news. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KFDM "Live at 5": Credit Repair Offers Do Nothing But Take Your Cash!

7/18/2011

Posted on 7/18/2011 by

If you are having credit problems, you have enough challenges without being fooled by fraudulent credit repair offers. They say they can help you . . . but, can they? And what about that up-front fee they require?

1. What credit repair offers should consumers watch out for? Offers that . . . claim they can create a new credit file or report . . . remove bad credit information . . . or want to charge an up-front fee to help restore your credit rating -- which you will never see again, and still have no credit . . .

2. Well then, how can a consumer repair a bad credit report? In general, time is the only thing that can “fix” your credit report . . . information can only be changed if items are actually wrong, or beyond the 7 (or 10) year reporting period, required under federal law . . .

3. Are there measures to improve your chances of receiving credit in the future? Pay your bills on time . . . contact creditors and request a reduced payment plan . . . communicate . . . contact a reputable credit counseling service . . .

More information -- contact the Better Business Bureau 24 hours a day at (409) 835-5348 or (855) BBB-SETX or www.bbb.org

From KSET: Important Tips on Auto Repairs

7/7/2011

Posted on 7/7/2011 by

We have all experienced the traumatic challenge that comes with having your automobile repaired. Who should we call? Can they be trusted? Will they do what they say needs to be done, and that we are paying for?

1. What are a few tips when selecting an auto repair shop?

Do it ahead of time (before the need even arises) . . . contact the BBB for Business Reviews & ratings reports . . . ask auto parts stores for their good customers . . . ask friends and neighbors what shop they use.

2. What should you do before you agree to have the shop to do the work?

Visit the shop and look around . . . what accreditations and certifications does the shop have? (i.e. BBB, ASE) . . . what type of warranty . . . how long have they been in business . . . provide the symptoms of the problem . . . request a written estimate for repairs . . . ask if the shop is certain that the suggested repairs will fix the problem.

3. What other suggestions would you make?

Leave phone number on work order -- indicate in writing that no additional work is to be done without calling you first for approval . . . drive car before payment is made . . . use a credit card if possible -- gives 30 days to dispute services if necessary with credit card company . . . ask to see, or have, old parts to compare with new ones . . . Contact the Better Business Bureau . . . (409) 835-5348 (855) BBB-SETX www.bbb.org

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

7/7/2011

Posted on 7/7/2011 by

Nowadays, 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 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 which 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “To prevent the 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 www.bbb.org/us/bbb-news. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

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

7/6/2011

Posted on 7/6/2011 by

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, the summer months of July and August have the highest rates of burglaries. Better Business Bureau 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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? 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.

For more home tips you can trust, visit www.bbb.org/us/bbb-news. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

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

6/27/2011

Posted on 6/27/2011 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. "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.

In Southeast Texas, call 409/835-5348 or 855/BBB-SETX. Visit the Better Business Bureau in Southeast Texas on Facebook at http://www.facebook.com/pages/Better-Business-Bureau-in-Southeast-Texas/30670389968?v=wall.

From KSET: Weather Brings Foundation Problems

6/23/2011

Posted on 6/23/2011 by

The lack of rain in southeast Texas over the past 18 months and the hot summer months, combined with the soil conditions of the region will play havoc with home foundations. Companies who specialize in foundation repairs stay swamped with requests. What should you do?

1. What are some tips for a consumer who is in need of foundation repair?

Make sure that you and the contractor understand exactly what work is to be done -- put it down in writing -- be specific -- if they won’t it should be a warning that the company may not stand behind its word ... Compare prices by getting at least three cost quotes -- beware of “low-ball” bidders ...

2. Tell us about contracts, payment schedules and completion certificates.

Don’t rush into signing a contract -- Don’t sign blank contracts. Get a copy of everything you sign . . . Don’t pay for work that has not been done -- don’t sign a completion certificate until the work is complete and you’re satisfied.

3. What about references?

Call references of customers before signing a contract -- if company is unwilling to give references, they may have something to hide ... Beware--sometimes “references” turn out to be people paid to say good things ... If possible, look at examples of the contractors work -- check out work in progress and jobs already completed.

Contact the Better Business Bureau -- get a BBB Business Review and Rating report on the companies . . . call (409) 835-5348 or 855-BBB-SETX, 24 hours a day, access the web site at www.bbb.org.

AND, WATER AROUND YOUR FOUNDATION REGULARLY!

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

6/20/2011

Posted on 6/20/2011 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 clean record,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KFDM "Live at 5" : Ouch! Another Hurricane Season Has Arrived!

6/13/2011

Posted on 6/13/2011 by

Another hurricane season has arrived, and predictions are it will be a very busy one! It’s important that southeast Texans have a response and recovery plan “before a possible storm strikes” and are ready to implement it after it occurs.

1. What can we do in advance to be prepared for a possible weather related disaster?

Take proactive steps --

Have a plan . . . be prepared to implement the plan . . . Flood insurance . . . Know your home owners, business and auto insurance coverage, their deductibles, limits of contents, etc. . . . Pre-select group of contractors, i.e. – roofers, electricians, tree trimmers . . . contact BBB now & secure a Business Review/Ratings report on them . . . Duplicate important papers/documents and store them safely . . . Be informed . . . know the laws, your rights in times of disaster.

2. What can we do after a weather related disaster?

Take reactive steps --

Be sensitive . . . to potential consumer and charity fraud, potential scams, and don’t be rushed into making decisions . . . From contractors -- get copies and verification of insurance, licenses, bonds . . . check them out with the BBB . . . get references . . . Don’t give money up-front beyond low down payments . . . get everything in writing . . . deal with reputable companies in the region, when possible . . . Contact BBB 24 hours a day to get a Business Review/Ratings report on companies you are considering . . . at (409) 835-5348 or 855-BBB-SETX or online at www.bbb.org.

From KSET: Making Your Prepaid Funeral Arrangements

6/13/2011

Posted on 6/13/2011 by

According to the BBB, the purchase of prepaid funeral arrangements is big business in the United States. BBB says that more than 21 million adults, 50 years of age and older, have prepaid some, or all, of their funeral expenses. What’s important to know when considering this important personal business decision?

1. What is the primary purpose of a prepaid agreement?

A contract for future delivery of specific services . . . Funding mechanism to pay for those goods and services . . . Most, but not all, contracts guarantee to lock in the price.

2. What have you discovered to be abuses with some prepaid funeral plans?

Lack of portability . . . plan good at only single funeral homes or cemeteries . . . Unexpected expenses . . . discovery that some plans do not cover all expenses . . . Marketing abuses . . . high-pressure sales techniques -- selling of more expensive goods and services

3. What should you do before securing a prepaid plan?

Be sure to compare prices . . . FTC requires itemized cost disclosures . . . Review the plan carefully . . . review with an attorney, accountant, or family financial advisor . . . Visit the facility . . . Investigate the funeral home’s reputation . . . Contact the Better Business Bureau 24 hours a day at (409) 835-5348 or 855-BBB-SETX or www.bbb.org

From KSET: Avoid Summer Wedding Scams

6/13/2011

Posted on 6/13/2011 by

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

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

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

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

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

6/8/2011

Posted on 6/8/2011 by
Better Business Bureau receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

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

“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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

For more information or to schedule an interview, please call 409/835-5348 or 855/BBB-SETX.

From KSET: Preparing for Another Hurricane Season!

6/2/2011

Posted on 6/2/2011 by

We don’t like to think about it, but another hurricane season has arrived! It is important that southeast Texans have a response and recovery plan “before a possible storm strikes” and are ready to implement it after it occurs.

1. What can we do in advance to be prepared for a possible weather related disaster?

Take proactive steps --

**Have a plan . . . be prepared to implement the plan . . .

**Flood insurance . . . Know your home owners, business and auto insurance coverage, their deductibles, limits of contents, etc. . . .

**Pre-select group of contractors, i.e. -- electricians, tree trimmers . . . contact BBB get a Business Review and Rating on them . . .

**Duplicate important papers/documents and store them safely . . .

**Be informed . . . know the laws, your rights in times of disaster.

2. What can we do after a weather related disaster?

Take reactive steps --

**Be sensitive . . . to potential consumer and charity fraud, potential scams, and don’t be rushed into making decisions . . .

**From contractors -- get copies and verification of insurance, licenses, bonds . . . check them out with the BBB . . . get references . . .

**Don’t give money up-front beyond down payments . . . get everything in writing . . . when possible deal with reputable people in the area . . .

**Contact the Better Business Bureau 24 hours a day to get a Business Review/Ratings on companies you are considering . . . at (409) 835-5348 or (855) BBB-SETX or online at www.bbb.org.

BBB and Capital One Managing Credit – Made Simpler Partnership

6/2/2011

Posted on 6/2/2011 by

In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

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.

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/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: BBB Travel Tips to Ensure a Safe and Timely Flight

5/23/2011

Posted on 5/23/2011 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. 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/23/2011

Posted on 5/23/2011 by

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

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

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

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

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

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

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

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

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

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

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

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

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website, www.moving.org; and the U.S. Department of Transportation's site, www.protectyourmove.gov. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

About BBB

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

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

BBB Advice on Giving to Storm and Flood Relief Charities

5/16/2011

Posted on 5/16/2011 by

Americans watching the mounting Mississippi floodwaters and the devastation wreaked by recent tornados are responding with generous gifts of time and money, as they’ve traditionally responded to disasters throughout the world. But even when needs are close to home, givers should take steps to assure themselves that their donations will go to legitimate and reputable charities and relief efforts that have the capability to help victims, cautions the Better Business Bureau Wise Giving Alliance.

“Despite long experience in giving for major natural disasters, and with the desire to quickly help those in need, Americans sometimes forget to heed advice that’s relevant to all charitable giving,” says Art Taylor, President and CEO of the BBB Wise Giving Alliance. “In the present situation, we advise donors especially to learn about what individual charities are doing and the time frame of their work. Donors who know what to expect from the charities they support are less likely to question the benefit of their gifts.”

BBB Wise Giving Alliance offers the following five tips to help Americans decide where to direct donations:

Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the BBB Wise Giving Alliance (www.bbb.org/charity) to learn more about the charity and verify its accountability.

Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery needs.

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

Be wary of claims that 100 percent of donations will assist relief victims. Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims that 100 percent of collected funds will be assisting flood victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.

For more information, please visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX. To schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Kelsey Owen at 703-247-9376.

About the BBB Wise Giving Alliance

The BBB Wise Giving Alliance produces reports on over 1,300 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus, the national organization representing 123 BBBs serving communities across the U.S. and Canada – evaluating and monitoring nearly 4 million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

From KSET: Homework for Home Improvements

5/12/2011

Posted on 5/12/2011 by

Summer is a great time for remodeling and home improvements . . . and they are big investments! However, most consumers spend less time selecting a contractor than they do buying a new automobile. Inadequate communication and possibly getting in too big of a hurry brings about unnecessary heartache and expense. Here are some important “do’s and don’ts” ...

Be selective in deciding which contractors to hire . . .

1. When building or remodeling -- What should we “not do”?

Don’t --

1. Jump at quotes that appear “too cheap”.

2. Sign agreement until you have read and understand it

3. Be pressured for an immediate decision.

4. Pay for entire job in advance or pay cash to a sales person.

5. Sign a completion certificate until inspected and

completed per contract.

2. When building or remodeling -- What should we “do”?

Do --

1. Check out contractors with the Better Business Bureau 24 hours a day -- (409) 835-5348 (855) BBB-SETX www.bbb.org Business Review / Ratings

2. Get at least three bids.

3. Comparison shop . . . verify credentials, licensing,

insurance, and bonds

4. Check building codes and zoning.

5. Include all terms, conditions, warranties, payment

schedules, and oral promises in written contract.

BBB Warns of Online Scams Proliferating in the Wake of Osama’s Death

5/10/2011

Posted on 5/10/2011 by

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

According to Kaspersky Labs, an Internet security firm, malicious websites and links have been proliferating on Google Images searches, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which could infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers and businesses should also be very wary of scams similar to the Nigerian Letter Scam circling around Osama’s death. Although each letter may contain a slightly different appeal, BBB is reporting that the latest letter has stated a "soldier" asking for assistance in transferring millions of dollars of excess money to a trustworthy U.S. citizen. To participate in the deal, the person must contact the soldier to solidify the partnership and arrange pickup of the millions.

Usually with this type of scam the victim is asked to provide their bank account number and the name, address, phone and fax numbers of their bank. Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.

BBB advises consumers to do the following if they feel they have fallen victim to a cyber-scam:

Think before you click. Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

Don’t fall for the not-so-free “free” offer. Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or website you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

Spread the word. Discuss such scams with all the members of your family who have access to the Internet. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Know the red flags. Watch out for grammatical mistakes in emails, letters and on websites. Poor grammar or misspelled words are red flags that the email or website is probably a scam. Most importantly, never wire money based on instructions. Scammers prey on those who think they need to wire money to have a situation resolved.

Check with BBB. BBB advises anyone receiving such a letter not to respond. Instead, send the letter to your local BBB or to the U.S. Secret Service, which is currently investigating the scam.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

BBB Warns of Phony Acai Berry Weight Loss Products

5/2/2011

Posted on 5/2/2011 by

In conjunction with the Federal Trade Commission’s (FTC) recent lawsuits on acai berry weight loss products, Better Business Bureau is warning consumers to be wary of phony “news” announcements of free trial offers for online diet pills.

According to the FTC, millions of consumers are being lured to websites that imitate those of reputable news organizations. The “reporters” on these sites have supposedly done independent evaluations of acai berry supplements, and claim that their products cause major weight loss in a short period of time with no diet or exercise. In reality the websites are deceptive advertisements placed by third-party or “affiliate” marketers. The websites are aimed at enticing consumers to buy the featured acai berry weight-loss products. These fake news operations are the subject of a nationwide law enforcement initiative.

Ubiquitous deceptive online ads for the acai berry weight loss products can be found posing to be from popular outlets like ABC, Fox News, CBS, CNN, USA Today and Consumer Reports. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals which has an F rating with BBB. According to the more than 2,800 complaints to the Central, Northern and Western Arizona BBB the company deceptively marketed acai berry supplements as weight-loss products, and “colon cleansers” along with a variety of refund and exchange issues.

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

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

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. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

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

From KSET: Check Fraud is a Growing Problem!

5/2/2011

Posted on 5/2/2011 by

Check fraud is increasing daily in the United States and the FBI estimates that total losses from all sources at over $5 billion each year. How can you protect yourself? How can you protect your loved ones?

1. What is the leading form of check fraud occurring among the average consumer and why?

Primarily from unauthorized checks -- someone who knows your checking account number can use it without your written authorization to withdraw money from your account . . . new technology -- make accurate forgeries or counterfeits of checks . . . guard your checks like cash!

2. What can we do to help prevent check fraud from happening to us?

Protect your checks like they are cash . . . No room for check alteration -- write close to left margin, start numbers right next to the $ sign, fill blank spaces with wavy lines, write in ink . . . make an error -- destroy and write out a new check . . . keep receipts . . . check your bank statements promptly . . . use ATM/check card

3. Who is responsible for such fraud?

First report any alterations or unauthorized use immediately to your bank . . . the contract you have with them will determine who will ultimately take responsibility -- banks vary . . . may wish to report the case to the Attorney General’s Office and/or the BBB . .

4. What about further information?

Contact Better Business Bureau at (409) 835-5348

(855) BBB-SETX . . . 24 hours a day or www.bbb.org.

BBB Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren’t Their Own

4/25/2011

Posted on 4/25/2011 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, 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—make 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.

Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas, 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.

From KSET: Recognizing Companies Who Are Doing It Right!

4/21/2011

Posted on 4/21/2011 by

Most of the time emphasis is placed on exposing businesses and organizations who victimize consumers. But, what about those companies and organizations who excel in doing things right. How are ethical leaders in the marketplace recognized?

1. The Better Business Bureau is hosting its 14th annual Torch Awards for Marketplace Trust presentation banquet. What is its purpose? To recognize for-profit companies & not-for-profit organizations judged to excel in marketplace trust in southeast Texas . . .

2. Have the finalists been selected yet? What about the winners and other presentations? Not-for-Profit Organization finalists . . .Operation Refuge, Some Other Place, Spindletop Center; For-Profit Business finalists . . . Anderson Ford Mercury, Coastal Roofing Specialists, Copy & Camera Technologies . . . 25^th year to recognize “Friend of the BBB” Award ... two honorees

3. Tell us about the program and special guests for the presentation banquet on May 10. Beaumont Civic Center . . . Silent Auction . . . $10,000 Scholarship contribution to College of Business Lamar University . . . speaker Darren Hardy, best-selling author, business consultant, publisher of SUCCESS magazine . . . Presenters – 8 media personalities

4. What about table partnerships and individual seat reservations? Anyone may attend . . . Call (409) 835-5951 x117 or bbb.org.

Anderson Ford Mercury and Operation Refuge, Inc. - 2011 Torch Award Winners

4/18/2011

Posted on 4/18/2011 by

Anderson Ford Mercury in Cleveland and Operation Refuge, Inc. of Cleveland are the winners of the 2011 Torch Awards for Marketplace Trust presented Tuesday night, May 10, by the Better Business Bureau of Southeast Texas during its 14th annual awards presentation banquet. The event was held at the Beaumont Civic Center.

The BBB Consumer Education Foundation, Inc. made a $10,000 contribution to continue funding endowed Better Business Bureau College of Business scholarships at Lamar University, bringing total contributions for the past 14 years to $140,000.

KBMT-TV Channel 12 in Beaumont and Neches Federal Credit Union with locations in Port Neches, Nederland, and Beaumont, each received this year's recognition as the "Friend of the BBB." Darren Hardy, noted author and publisher of SUCCESS Magazine, was the keynote speaker. Steve Cox, President/CEO of the Council of Better Business Bureaus, spoke briefly as well.

Finalists for this year's awards included: Anderson Ford Mercury of Cleveland, Coastal Roofing Specialists in Lumberton, and Copy and Camera Technologies of Beaumont in the For-Profit category; Operation Refuge, Inc. of Cleveland, Some Other Place in Beaumont, and Spindletop Center of Beaumont in the Non-Profit category. Anderson Ford Mercury of Cleveland was the For-Profit winner and Operation Refuge, Inc. of Cleveland was the Non-Profit winner.

Michael Clayton, President/CEO of the Better Business Bureau of Southeast Texas, was the Master of Ceremonies at this year's award gathering. With Clayton's end of the year retirement, he was recognized at the banquet for his accomplishments with the BBB in Southeast Texas over the past 15 years. Bill Leger and Larry Beaulieu of KFDM-TV, Kevin Steele, Jackie Simien, Ericka Harris, and Patrick Vaughn of KBMT/KJAC-TV, Jack Pieper of KSET-AM Radio, and Gary Lee Love of KAYD-FM Radio introduced award finalists and announced the two winners.

Proceeds from the Torch Award for Marketplace Trust presentation banquet, and silent auction benefited the BBB Consumer Education Foundation, Inc., to support the endowed Better Business Bureau College of Business scholarships at Lamar University.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Are OnLine Degree Programs Legitimate?

4/18/2011

Posted on 4/18/2011 by

Earning a degree without leaving your home is becoming widely accepted, and online universities are gaining students. They are capitalizing on the popularity of distance learning opportunities and are using the Internet to recruit students into their programs. Most of them are legitimate, but some are not, and are simply “diploma mills.”

1. How are students lured into enrolling into these fraudulent diploma mills?
Telemarketers follow-up on email requests & website visits . . . they advertise in magazines, Internet newsgroups & on impressive looking websites . . . prey on people’s lack of knowledge and confusion about accreditation . . .often advertise as being “fully-accredited,” “nationally accredited,” or “accredited world-wide” . . . if accredited -- unrecognized or bogus agencies.

2. How can you tell the difference in legitimate online universities and diploma mills?

Red flags -- degrees that can be earned in less time than at a traditional college . . . list of accrediting agencies that sounds “too” impressive . . . place heavy emphasis on college credit for life-time or real world experience . . . tuitions paid on a per-degree basis . . . little or no interaction with professors . . . names that are similar to well known reputable universities.

3. Where can individuals verify if a school is operating legally?

Contact the Better Business Bureau at (409) 835-5348 or (855) BBB-SETX 24 hours a day for a Business Review and Ratings Report, or check them out online at www.bbb.org.

Texas Comptroller Information Leak

4/13/2011

Posted on 4/13/2011 by
For more information, visit http://www.txsafeguard.org/. The call center will open on Tuesday, April 12, with 24 hour access. The toll-free number is: 1-855-474-2065.

From KFDM "Live at 5": Buying a Pre-Owned Vehicle

4/12/2011

Posted on 4/12/2011 by

Before launching your search for a good deal on a pre-owned car or truck, spend some time considering your options and doing your homework. What are some tips to prevent getting a lemon? What are some basic guidelines when looking for a used vehicle?

1. Before purchasing a pre-owned vehicle, what are some basic tips to follow?

BBB is experiencing growth in complaints and disputes concerning these issues . . . so –

Inspect the “clean” car in the daylight and in good weather . . . don’t expect perfection . . . make safety a major priority . . . road test before your commit to buy . . . have a trusted mechanic thoroughly inspect the car . . . consider how you will use the car, size, style, features . . . remember to investigate the dealer thoroughly!

2. What about warranties and the term “as is”?

The FTC Used Car Rule . . . all commercial seller’s required to place sticker in the window called a “Buyer’s Guide” -- tells whether the vehicle comes with a warranty, and, if so, which systems are covered, how long, what percent dealer will pay . . . note if car is being sold “as is” -- drive it off lot, dealer has no further responsibility . . . get signed copy of the Buyer’s Guide.

3. Where can consumers receive further information?

Report problems to Better Business Bureau -- (409) 835-5348 or (855) BBB-SETX, or online at www.bbb.org

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

4/12/2011

Posted on 4/12/2011 by

Consumers who owe money or are behind on their bills may be legitimately contacted by debt collectors to pay off debts. The BBB warns consumers, however, that phony debt collectors are lurking. In a recent release of the top complaints reported to the Better Business Bureau, 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Playing Smart When Buying Sports Tickets Online

4/8/2011

Posted on 4/8/2011 by

With professional and college baseball seasons underway and NBA basketball finals filling calendars, the BBB is warning sports fans to be on the look out for fraudulent sellers when shopping online for hard-to-get tickets.

1. Here is the background on this growing problem . . .

Secondary ticket market . . . professional brokers, speculators & season-ticket holders . . . $12 billion industry . . . online accounts for 1/3 . . . growing 15-20% per year . . .Internet is playing field to unload or buy tickets . . . fans risk putting their trust in a bad seller . . . online auctions . . . online classifieds . . . bulletin boards . . .

2. How are sports fans being taken advantage of?

Either paying for counterfeit tickets or tickets that never arrive . . .

tickets not for seats advertised . . . not next to each other . . .

nosebleed section . . . obstructed view.

3. Give us some advice when searching for tickets online.

Look for BBB AB seal . . . choose seller with long history of satisfied customers . . . pay with credit card or PayPal . . . if tickets pictured on site, scrutinize closely for inaccuracies or alterations . . . cross check seat assignment with venue map.

Contact the Better Business Bureau 24 hours a day for a Business Review and ratings report on companies you are considering . . . at (409) 835-5348 or (855) BBB-SETX or online at bbb.org.

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

3/28/2011

Posted on 3/28/2011 by
Everyone loves a good movie and with today’s movie theatre tickets costing more than ten bucks a pop (and that’s not even including the “pop”), many movie-goers are opting to watch their favorite movies at home for free instead. “Free,” however, comes with a cost, a cost that many consumers don’t realize. The Better Business Bureau warns consumers against downloading “free” online movies.

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

“Consumers need to know the consequences of using such sites,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Who Can You Trust?

3/28/2011

Posted on 3/28/2011 by

Emails arrive daily with promises of refunds, shipped packages, cash prize winnings, and more… but all come with questions about your personal and financial history. They say they are the IRS, FedEx, UPS, AOL or even a Credit Union or Bank. Are they really? Who can you trust??

1. What are some examples of emails that have appeared recently that we should ignore?

1. IRS – tax refund of $189.00 … not from IRS . . . “phishing” for

personal and financial information

2. UPS – postal package not delivered because

address is not complete

3. Credit Unions, banks, etc.

4. AOL

2. What advice does the BBB give so we can protect ourselves from these fraudulent emails?

1. Consider the sender . . . look at the return email address.

2. Are you a customer of the organization?

3. Why would they need the information?

Don’t they have it already?

4. Study the words used and check the spelling.

5. Just don’t open the email, the link, or the attachment.

6. Call the company and ask if it is legitimate.

7. Check out the company with the BBB first!

3. What if you’re a victim of a “phishing” email scam?

Report the incident immediately to the legitimate real organization involved . . .

For further details, call 409-835-5348 or 855-BBB-SETX or

www.bbb.org.

From KSET: You Don’t Always Have 3 Days to Cool Off!

3/17/2011

Posted on 3/17/2011 by

The long established “3-Day Cooling Off ” rule, which relates to purchases, returns and refunds, has been in effect for many years. But still, many consumers are confused about how it benefits them. Here is more information to help us better understand and use this “Cooling Off” opportunity.

1. Define for us -- just what is the “3 Day Cooling Off” Rule?

Established by the Federal Trade Commission . . . .Three business days to change your mind about any $25 or more purchase that has been made in your home, at a party given in a private home for a consumer product . . . sales made out of rented hotel or motel rooms . . . or a sale that has been finalized in a restaurant or in any number of temporary locations.

2. What are some examples where it does not apply?

Sales made at the seller’s usual place of business, i.e., retail store or car dealer’s showroom . . . sales made by mail, phone or online . . . sales of less than $25 . . . sales of real estate, insurance or securities . . . emergency home repairs.

3. What can a consumer do to receive specific information on the “3 Day Cooling Off Period?”

Call the Better Business Bureau 24 hours a day at (409) 835-5348 or (855) BBB-SETX or view the BBB website at www.bbb.org to hear or read a consumer protection tips on the subject.

BBB President/CEO Michael Clayton Announces Retirement

3/15/2011

Posted on 3/15/2011 by

Michael Clayton, President/CEO of the Better Business Bureau that serves all of southeast Texas, announced his retirement today to members of the BBB Board of Directors, effective December 31, 2011. The Executive Committee reluctantly accepted, but unanimously supported the announcement.

Clayton, who has been the chief executive with the regional BBB office since 1996, voiced his appreciation to the Board for their excellent leadership, continuing support, trust, and willingness to be an innovator in marketplace self-regulation that greatly impacts tens of thousands of consumers and businesses. Following retirement, he expressed his desire and passion to enhance his professional speaking opportunities, conduct corporate training, serve as a business consultant and coach, and to continue writing.

Barry Bryant, Chairman of the BBB Board said, “We are saddened to learn of Michael’s intentions to leave the BBB the end of this year, but we support him in his decision and desire the very best for him. He is a gifted communicator and we know he will greatly impact the lives of all he has opportunity to touch.”

During the nearly 15 years Clayton has served as BBB President/CEO the regional office has grown from 700 Accredited Businesses to nearly 2,000, and has the highest market share of any BBB office in North America. Services to the public have increased from 65,000 to almost one million annually. Yearly revenues to the non-profit organization have tripled. At the same time, the southeast Texas BBB has been recognized and honored many times by its international peers for outstanding growth, innovation, and special projects.

Under Clayton’s leadership, the BBB began in 1997 the regional Torch Awards for Marketplace Trust that recognizes outstanding for-profit businesses and not-for-profit organizations judged for their high standards of trust, integrity, and customer/employee excellence. Also, the BBB began the annual Senior Celebration & Consumer Expo that draws an attendance of 2,500 to the Beaumont Civic Center each fall.

The BBB executive has spoken to more than 5,000 audiences across the United States and on three continents over the last 42 years. He is a professional member of the National Speakers Association, and a Certified Seminar Leader. Recently he became an Amazon.com best-selling author, along with Brian Tracy and others, with the book Counter Attack: Business Strategies for Explosive Growth in the New Economy. He is the only recipient of the “Award for Distinction for Special Communications” from the International Assemblies of Better Business Bureaus.

Clayton serves various organizations across the region. He is a Director on the Board at Baptist Hospitals of Southeast Texas and Legacy Christian Academy. He is a member of the Rotary Club of Beaumont and the YMBL. He serves on the Advisory Board of the Beaumont Public School Foundation and the Lamar Institute of Technology Business Management Department.

Nationally, Clayton currently is one of eleven BBB President/CEOs from across North America who serve on the BBB Operations Committee, and one of six who serves on the Audit & Compliance Sub-Committee providing oversight to 125 BBB regional offices in Canada and the United States. He has previously served two terms as the President of the Southwest Region of BBBs, which includes Texas, Oklahoma, Arkansas, and New Mexico.

“I absolutely love my job, the wonderful BBB staff and Directors, the BBB mission, and the fantastic people of southeast Texas, but now is time to make plans to write a new chapter in my life,” Clayton said.

The retiring BBB executive has been married for 36 years to Dee Clayton and they have three grown children – Chris, Kim, and Kendal. They also have five grandchildren. Clayton and his wife will relocate the first of next year to the Dallas/Fort Worth area, where their children and their families reside.

Check BBB Before Helping Japan Earthquake Victims

3/11/2011

Posted on 3/11/2011 by
Dramatic news videos of the devastating earthquake and subsequent tsunami that hit Japan have prompted many Americans to consider making donations to charities that provide relief to survivors.

The Better Business Bureau (BBB) warns consumers to be cautious because fraudulent charities often crop up to take advantage of their sympathy for earthquake victims.

“Whenever there is a major natural disaster, there are two things you can count on: The first is the generosity of Americans who donate time and money to help victims, and the second is the appearance of poorly run and, in some cases, fraudulent charities,” said Michael Clayton, President/CEO of the BBB in Southeast Texas. “Donors want to be sure their money goes to competent relief organizations that are equipped to handle the unique challenges of providing assistance in a disaster zone.”

The best way to help is to donate money to a reputable humanitarian organization, like the American Red Cross, a BBB Charity Seal holder. The American Red Cross has a long history of responding to local, national, and international disasters.

The BBB offers the following tips to help Americans decide where to direct donations:

Rely on respected experts to evaluate a charity. Be cautious when relying on third-party recommendations such as bloggers, because they may not have fully researched the listed relief organizations. The BBB provides a Wise Giving Guide to charities at www.bbb.org/charity. The guide shows which charities are accredited by the BBB and whether they meet the BBB’s 20 Standards for Charity Accountability.
Be wary of claims that 100 percent of donations assist victims. All charities have fund-raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee.
Be cautious when giving online to unfamiliar charities. Be wary of spam messages and emails that claim to link to a relief organization. After the tsunami disaster in 2004 and the earthquake in Haiti last year, many websites and organizations that were created overnight allegedly to help victims turned out to be scams.
Find out if the charity has a presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to get new aid workers into the area to provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.
Find out if the charity is providing direct aid or raising money for other groups. You may want to avoid the middleman and give directly to charities that have a presence in the region. Check out the ultimate recipients of the donations to ensure that the organizations are equipped to effectively provide aid.
Gifts of clothing, food or other in-kind donations may not be appropriate. Unless the organization has the staff and infrastructure to distribute such aid, the donations may be more of a burden than a help. Ask the charity about their transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

From KFDM and KSET: They Claim to Save You Money!

3/9/2011

Posted on 3/9/2011 by

Gasoline and diesel prices continue to climb! Everyone is looking for ways to conserve, and some are searching for ways to improve their mileage. Various “gas saving” additives and devices are again being promoted to “save you money.” But, do they work, or are they a scam?

1. There are many “fuel saving product” claims being made. Are they truthful, or are they a scam to get our money?

The Federal Trade Commission (FTC) and the Environmental Protection Agency (EPA) are extremely skeptical . . . test evaluated products . . .

“Improves fuel economy by 20%” … test of hundreds reveal only a couple impact mileage at all . . . some may even damage engine, increase emissions.

“Approved by the Federal government” … no government agency endorses gas-saving products

Some products can cause costly repairs . . .

2. What can a person do to save money and improve their gas mileage?

Buy only the octane of gas required by your vehicle – check the owner’s manual . . . get a tune up . . . check tire pressure regularly . . . remove excess weight from your car or truck . . . watch your take offs and your speed

3. Where can consumers receive further information?

Other information -- Better Business Bureau (409) 835-5348 or (855) BBB-SETX, or www.bbb.org EPA and the FTC

BBB Warns Against Sneaky Smishing Scams Targeting Cell Phone Users

3/7/2011

Posted on 3/7/2011 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Scammers Dupe Unsuspecting Grandparents

3/7/2011

Posted on 3/7/2011 by

Senior age adults should be aware of a re-emerging telephone scam that is preying on grandparents across the country. You may think you are aiding your grandchildren by providing money for an emergency situation but are in fact giving thousands of dollars

to con artists.

1. Explain what is being done?

Grandparent receive distressed phone call from who they believe is their grandchild . . . supposed grandchild typically explains that they are traveling and have been arrested or involved in an auto accident and need the grandparent to wire money to post bail or pay for damages—usually amounting to a few thousand dollars . . . One grandma reportedly sent $19,000 to scammers.

2. How does the scam work?

Not certain how perpetrators are obtaining phone numbers . . . believed they are calling random numbers until they happen to reach an older adult . . . tactic is to pose as a grandchild and let the unsuspecting grandparent fill in the blanks . . . the scam caller might say, “It’s me, your favorite grandchild,” to which the grandparent will guess the name of the grandchild it sounds the most like, and then the call proceeds from there.

3. How can people protect themselves?

Preys on the emotions of seniors who want to ensure the safety of their to ensure the safety of their grandchildren . . . Remain calm . . . Confirm -- call them directly or verify the story with other family members . . . Wiring money through Western Union or MoneyGram should be a “red flag” . . . funds sent via wire transfer are hard to track once received by scammers and are usually not recoverable by law enforcement or banking officials.

4. What if you’re a victim of this scam?

Report the incident immediately to police department . . . Contact the BBB at 409-835-5348 or 855-BBB-SETX or www.bbb.org.

Consumers Sound off to BBB with Complaints on Tax Preparers

3/1/2011

Posted on 3/1/2011 by

Most common complaints against tax preparers are about errors and mistakes made in tax returns

According to a Better Business Bureau (BBB) analysis, nearly one-third (32.5 percent) of complaints against tax preparation companies allege that the preparer made an error or mistake in the tax return, often requiring the consumer to pay fines or added fees to rectify the problem.

“Few things are as certain as death and taxes, but it’s also true that few things are as scary – that’s why more than half of the 120 million American taxpayers enlist the help of a tax preparer ever year,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “However, many consumers end up being held responsible when their tax preparer makes mistakes or errors on their return, and this can mean fees and fines adding up to thousands of dollars that they owe to Uncle Sam.”

While mistakes and errors made up the most common complaint category against tax preparers, 19.5 percent of complaints allege the tax preparer was simply unresponsive. Typically, the tax preparer did not return repeated calls or attempts by the complainant to get assistance, answers to questions, or copies of their tax information. Many complainants noted that they were frantic as they faced filing deadlines or audits and were not receiving any help from their tax preparer.

Disputes over billing accounted for 19 percent of complaints to BBB. Typically consumers were shocked when they received a high bill for having their taxes prepared or felt that they did not receive the level of service they paid for.

Almost 7 percent of complainants say the tax preparation company was rude, and 6 percent of complainants say they didn’t receive their refund. Unfortunately, and perhaps most shocking, 6.3 percent of complainants allege that the tax preparer never filed their tax return at all.

“Consumers looking for trustworthy help filing their taxes should not wait until the last minute – they need to take their time, shop around and find a preparer who is both qualified and has a strong track record of providing customer service,” added Clayton. “Some consumers who rushed through the process in 2008 are still dealing with the mess their tax preparer made as they head into the 2009 tax season.”

From 2005-2007, the Internal Revenue Service opened nearly 700 tax return preparer investigations. And, in April 2006, the Government Accountability Office issued findings from a limited study of commercial tax preparation chains in major metropolitan areas, noting that all the returns completed in those offices were wrong in one way or another. The report cited mistakes such as not reporting business income, failing to take the most advantageous education tax benefit, failing to itemize deductions and, in some cases, even failing to claim available deductions.

BBB wants consumers to know and understand that when the IRS detects a false return, the taxpayer – not the tax preparer – must pay any additional taxes, as well as any other associated interest, fees and penalties. In the end, the taxpayer is responsible for all information submitted to the IRS.

Many tax preparers provide quality services to their clients, but BBB encourages consumers to use the same caution in selecting tax preparation help that they would use in selecting other professional services, such as those provided by doctors or lawyers. And BBB complaint data bears out the need for consumers to be careful and choosy. BBB offers the following advice when searching for help with taxes:

Ask around. Get referrals from friends and family on who they use, and check the BBB Reliability Report on tax preparation services free-of-charge at www.bbb.org.

Look for credentials. Ideally, tax preparers should either be a certified public accountant, a tax attorney, or an enrolled agent. All three can represent taxpayers before the IRS in all matters, including an audit. Also, find out if the preparer is affiliated with a professional organization that holds its members to a code of ethics.

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

Think about accessibility. Many tax preparation services only set up shop for the months leading up to April 15. In case the IRS finds errors, or in case of an audit, consumers need to be able to contact their tax preparer throughout the year.

Read the contract and know what you’re paying for. Consumers must read tax preparation service contracts closely to ensure they understand issues such as, how much it is going to cost for the service, how the cost will be affected if preparation is more complicated and time consuming than expected, and whether the tax preparer will represent the consumer in case of an audit.

For more trustworthy advice from BBB on tax preparation, and to take the new BBB Money Manager Quiz, visit www.bbb.org. For more information, call 409/835-5348 or 855/BBB-SETX.

From KSET: Buying a Pre-Owned Truck or Automobile

2/25/2011

Posted on 2/25/2011 by

Before launching your search for a good deal on a used or pre-owned car or truck, spend some time considering your options and doing your homework. What are some tips to prevent getting a lemon? What are some basic guidelines when looking for a used vehicle?

1. Before purchasing a pre-owned vehicle, what are some basic tips to follow?

Inspect the “clean” car in the daylight and in good weather . . . don’t expect perfection . . . Make safety a major priority . . . road test before you commit to buy . . . have a trusted mechanic thoroughly inspect the car . . . consider how you will use the car, size, style, features, etc. . Remember to investigate and compare prices.

2. What about warranties and the term “as is”?

3. Where can consumers receive further information?

Better Business Bureau -- (409) 835-5348 or (855) BBB-SETX,

or online at www.bbb.org

Do you know where your kids are…on the Internet?

2/21/2011

Posted on 2/21/2011 by

Keep your kids safe online by teaching them the seven stop signs

Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Unsolicited Credit Card Offers

2/21/2011

Posted on 2/21/2011 by

Unsolicited credit card offers pour into southeast Texas mailboxes every day offering no annual fee, low annual percentage rates, and pre-approved credit limits. How do you sort them all out? What should a person do?

1. How do we begin to evaluate these offers?

First . . . do you need the offer? . . . If not, destroy the material . . . find out who sent the offer and request your name be removed for the solicitor’s mailing list . . .

Second . . . reference may be to VISA or MasterCard, don’t assume a bank is issuing card, may be an independent marketer attempting to charge you for a credit card application

2. What if the offer says you are pre-approved?

If no specific $ amount is mentioned, pre-approval many mean very little . . . it does not mean that the issuer knows you can handle the extra credit . . . it may mean the issuer wishes you to provide more information before he commits himself to specific amount . . . before applying ask what amount is being offered.

3. What about upfront and other fees?

Application fees . . .annual and secured amount fees . . . finance charges . . . interest and late fees --- find out exactly who you must pay, how much and what for!

Torch Award Entries Being Received Now

2/14/2011

Posted on 2/14/2011 by

Nominations/Applications Being Received for 14th Annual

Torch Awards forMarketplace Trust

The BetterBusiness Bureau that serves all of Southeast Texas is conducting its 14thannual Torch Award for Marketplace Trust competition to recognizeand encourage ethical business practices in the region. The deadline for submitting entries is March25. New in 2011 is a category fornon-profit organizations.

CHRISTUSHospital, Classic Southeast Texas, Neches Federal Credit Union, and Universal Coin & Bullion, Ltd., are theunderwriting corporate Diamond Partners this year’s application and selectionprocess.

“Thepurpose of this award is to recognize annually those for-profit businesses andnon-profit organizations in our region committed to maintaining exceptionallyhigh standards of ethical behavior in buyer/seller and provider/supporterrelationships,” said Michael Clayton, President/CEO of the BBB. “I encourage the many outstandingcompanies and charities in Southeast Texas, small and large, that work touphold the trust and respect of their customers and supporters to submit anentry for these prestigious awards.” You need not have a formal ethics program or be BBB Accredited to enter.

Applicationsfor the 2011 BBB Torch Award for Marketplace Trust regionalcompetition will be accepted through March 25, 2011. Two categories of for-profit companies will be recognized:one large (40 employees and more), and one small (1-39 employees), and onecategory for non-profit organizations.

PastSoutheast Texas winners of the Torch Award for Marketplace Trustinclude Classic Southeast Texas, Copy & Camera Technologies, PhilpottMotors, Ltd., Tony Houseman Companies, Claybar Funeral Homes, The WaltersAgency, Barnes & Noble Booksellers, Waldman & Smallwood Law Firm, TexasMarine, Anderson Ford Mercury, Winnie Welding Works, Howell FurnitureGalleries, Tallman Pools, Bill Clark Pest Control, Entergy, Burris Transfer& Storage, Orange Savings Bank, Jeneal International, Collier ParkRetirement Community, Broussard’s Mortuary, Mason Construction, Inc., SoutheastTexas Water Conditioning, Inc., Efficient Systems, Inc., and American Valve andHydrant, Inc.

TheTorch Award for Marketplace Trust awards are open to allfor-profit southeast Texas businesses that serve retail and wholesale markets,and also non-profit organizations. A company or non-profit does not have to be a BBB AccreditedBusiness to submit an entry for these coveted awards. Applicants must be located in one or more of the followingcounties: Chambers, Hardin,Jasper, Jefferson, Liberty, Newton, Orange, Tyler, or the Bolivar Peninsula. Non-profit organizations or businesseswhose primary markets are local, state or federal governments are not eligiblefor this award.

Southeast Texans are also asked tonominate for-profit or non-profit groups in the region and to encourage thoseorganizations he/she works for, or where they are a customer or supporter, toapply for the proud recognitions. 13,000 entry forms have been mailed tobusinesses and organizations in the region. Applications may be requested from the office of the BetterBusiness Bureau by calling (409) 835-5951 x104, toll-free at (855) BBB-SETX, orby writing to the BBB at 550 Fannin, Suite 100, Beaumont, TX, 77701. You may fax nominations and applicationrequests to (409) 838-6858 or email: info@bbbsetexas.org.

Aprestigious independent panel of judges from the non-profit sector will scoreentries and then select the finalists and winners in the two for-profitcategories. The three finalists ineach for-profit category will be recognized and the two winners announced atthe 13th annual Torch Awards for Marketplace Trust PresentationBanquet to be held Tuesday evening, May 10 at the Beaumont Civic Center. One winner will also be selected by ajudging panel from the for-profit sector and will also announce theirnon-profit category winner at the banquet.

Proceedsfrom the May 10 banquet will benefit the BBB Consumer Education Foundation,Inc. who will make another $10,000 contribution to continue funding endowedCollege of Business scholarships at Lamar University. The BBB Consumer Education Foundation, Inc. has contributed $130,000to these scholarships over the last thirteen years.

Specialguest speaker at this year’s event will be Darren Hardy, author, speaker, andpublisher of “Success” magazine. Corporatetables for the prestigious awards presentation are now available. For more information and tablepartnership reservations contact Debbie Bridgeman at (409) 835-5951 x117 oremail debbiebridgeman@bbbsetexas.org.

To download the Torch Award Entry form, click here.

From KSET: Plans for Home Improvements

2/11/2011

Posted on 2/11/2011 by

Believe it or not, it will begin to warm up soon, and many people will start to consider spring home improvements -- which include painting, roof replacement, foundation repairs, home siding, driveway repair, landscape work, and more. The best and the worst of “home improvement” contractors are out there . . . so, be wise in your selection.

1. What are some tips to be a wise consumer of home improvements? Make sure that you and the contractor understand exactly what work is to be done -- put it down in writing -- be specific -- if they won’t it should be a warning that the company may not stand behind its word.

Compare prices by getting at least three cost quotes -- beware of “low-ball” bidders.

Don’t rush into signing a contract -- good deals will be available tomorrow. Don’t sign blank contracts. Get a copy of everything you sign.

Don’t pay for work that has not been done -- don’t sign a completion certificate until the work is complete and you’re satisfied.

2. What about referrals and references? Follow-up on referrals and call references of satisfied customers before signing a contract -- if company is unwilling to give references, they may have something to hide. Beware! . . . sometimes “references” turn out to be people paid to say good things.

If possible, look at examples of the contractors work -- check out work in progress and jobs already completed.

Contact the Better Business Bureau – and check out the BBB Business Review and ratings of the companies you are considering, and other educational material - call (409) 835-5348 or (855) BBB-SETX, 24 hours a day, access the web site at www.bbb.org

Don’t Pay for Free Advice on Scholarships for College

2/7/2011

Posted on 2/7/2011 by

Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 www.bbb.org/us/Consumer-Tips/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

Winter Weather Freezing Home and Office Pipes

2/3/2011

Posted on 2/3/2011 by
Tips to Prevent, Handle and Hire Help with Frozen Plumbing

The winter weather across Southeast Texas this week continues to freeze plumbing lines in commercial and residential buildings as temperatures remain surprisingly low. To prevent pipes from freezing, bursting and causing water damage, BBB urges all home and business owners to take extra precautions by following the tips below provided by industry experts.

To prevent your pipes from freezing:
-Wrap all exposed pipes located outside or in unheated areas of the home.
-Remove garden hoses from outside faucets.
-Cover vents around the foundation of your home.
-Drip outside faucets 24 hours a day (5 drops per minute).
-Open cabinet doors under sinks adjacent to outside walls to allow heat in from inside the home.
-Shut off the water to washing machines in unheated garages.

If your pipes freeze and burst:
-Cut-off the water valve. If you are unable to locate or operate your cut-off valve, call your water provider immediately for help.
-Call your insurance agent to file a claim. Be sure to ask for specific procedures or paperwork needed to move forward with repairs.
-If possible, take photos of any water saturation. An insurance adjuster may need to see what's been damaged in order to process your claim.
-As soon as the majority of water is drained away, all wet items should be discarded or cleaned and thoroughly dried within 48 hours of flooding to prevent the growth of mold, according to the U.S. Federal Emergency Management Agency (FEMA).

If hiring a plumber to help with repairs:
-Be wary of plumbers who show up unsolicited at your door offering to make repairs. Most reputable companies are too busy right now to solicit work in this manner.
-Beware of price gouging. Some businesses may be marking up their products or services by as much as 500 percent due to the high demand of plumbing services in the cold weather.
-Take time to shop around for plumbers get competitive bids, and check references and licensing requirements. Check a company’s rating with BBB to determine your level of trust.
-Request a written contract, detailing all services, materials and labor. Be sure the plumber signs your copy before you make any payments.
-Never pay for all repairs in advance and do not pay with cash.

Check the reliability of the company and find trustworthy businesses at www.bbb.org.

From KSET and KFDM: Recognizing Companies Who Are Doing It Right!

2/3/2011

Posted on 2/3/2011 by

Most of the time emphasis is placed on exposing businesses and companies who victimize consumers. But, what about companies who excel in doing business right? How can ethical, trustworthy businesses in the marketplace be recognized?

1. How can consumers assist BBB to recognize businesses in southeast Texas who demonstrate high standards of marketplace trust? Nominate and encourage businesses to make application for the 14th annual Torch Awards for Marketplace Trust Awards . . . deadline is March 25 . . . applications are available thru the BBB office . . .

2. What is the process for applying for the Torch Award and its criteria to possibly win? Company/organizations submit an entry based on 8 criteria . . . each entry is judged & scored independently against the criteria by a selection committee . . . possible onsite visits are made . . . six finalists and two winners . . . one new non-profit organization recipient this year.

3. Who are eligible to apply for the Torch Awards for Marketplace Trust? Any for-profit business in the eight-counties of southeast Texas whose primary customers are not government agencies . . . both small companies and large . . . also, non-profit organizations in the same region

4. How can companies/organizations or consumers receive an application brochure or nominate someone? Contact the BBB at 409-835-5348 or 855-BBB-SETX, or write: Torch Award Application, P.O. Box 2988, Beaumont TX 77704

Email: info@bbbsetexas.org Go to www.bbb.org.

5. When will the two winners be announced? Presentation banquet Tuesday, May 10 . . . Beaumont Civic Center . . . speaker Darren Hardy, publisher of Success magazine

Five Easy Ways to Get Ripped Off Buying Sports and Concert Tickets

2/1/2011

Posted on 2/1/2011 by

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 or see Lady Gaga, even smaller events can become a target. Not only were counterfeit tickets to major sporting events like the BCS Championship game or the NFL playoffs a problem this winter, consumers have also recently wasted money on fake tickets for UFC fights, and local concerts.

“Every season provides an opportunity for scammers to sell counterfeit tickets,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “In the winter you have college football and NFL games leading up to the Superbowl, in the spring the hot tickets are for March Madness and hockey and NBA playoffs and then summer hits with big name concerts.”

If you’re looking to get ripped off buying event tickets, BBB recommends:

· Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

· Wiring money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

· Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look. For example, the NFL has offered advice on how to tell if Super Bowl tickets are legit here.

· Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised. Keep in mind that, in some states, it’s illegal to charge more than the face value for tickets.

· Choosing a disreputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at www.bbb.org/us/Find-Business-Reviews. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit www.bbb.org/us/Consumer-Tips/. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: Tips for Finding a Trustworthy Tax Preparer

1/26/2011

Posted on 1/26/2011 by

Most Americans will get assistance from a professional tax preparer or tax software when filing their taxes this year. Better Business Bureau encourages taxpayers to use caution when selecting tax preparation help or they may get hit with headaches and mounting fines and fees if the return isn’t correct or filed late.

According to the IRS, 80 percent of Americans enlist the help of a tax preparer or tax software when filing their taxes. Unfortunately, every year BBB receives thousands of complaints from consumers against tax preparers. Commonly, complainants state that the tax preparer made errors in their return which resulted in fines and fees.

“Even though the tax preparer completes the return, it’s the taxpayer who is ultimately responsible for the return’s accuracy and whether or not it’s filed on time,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “The fines, fees and hassles can mount if you choose an unreliable tax preparer and that’s why it’s important to do your research.”

BBB offers the following advice to find a trustworthy tax preparer:

· Ask around. Get referrals from friends and family on who they use and check the BBB Reliability Report on tax preparation services at www.bbb.org.

· Look for credentials. Ideally, your tax preparer should either be a certified public accountant, a tax attorney or an enrolled agent. All three can represent you before the IRS in all matters, including an audit. Also, find out if the preparer is affiliated with a professional organization that holds its members to a code of ethics.

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

· Think about accessibility. Many tax preparation services only set up shop for the months leading up to April 15. In case the IRS finds errors, or in case of an audit, you might need to be able to contact your tax preparer throughout the year.

· Read the contract carefully. Read tax preparation service contracts closely to ensure you understand issues such as how much it is going to cost for the service, how the cost will be affected if preparation is more complicated and time consuming than expected and whether the tax preparer will represent you in case of an audit.

For more advice on finding professionals you can trust, visit www.bbb.org. For more information, call 409/835-5348 or 855/BBB-SETX.

Seven Scams that Target Small Businesses

1/25/2011

Posted on 1/25/2011 by

Being vigilant against fraud is not only important for a company’s bottom line, it also strengthens customer trust in the business. Becoming a victim of fraud can have a negative financial and reputational impact on a business and the Better Business Bureau recommends owners train their staff to look out for seven common scams that prey on small companies.

Every year the BBB receives thousands of complaints from small business owners who fell for an invoicing scam or were misled into paying for products and services they didn’t want. Scammers aren’t always trying to steal money from a business; sometimes they are after a company’s financial or customer data and will use many kinds of high and low-tech methods for getting it.

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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 www.bbb.org/us/Business-Resources/.

From KSET: Is A Diamond Destined for Your Valentine?

1/25/2011

Posted on 1/25/2011 by

Believe it or not, Valentines Day is only three weeks away, and diamonds, in any form, are always a great gift. But, how do you shop for diamonds? How do you know if you are getting what you are paying for? Is the price justified or inflated? In preparation for February 14, here are some tips:

1. When buying a diamond, what are some factors to consider? Ads everywhere this time of year . . . facts to consider before you compare prices and select your purchase . . . “4 C’s”

Caret --know the measurement

Color -- graded by color . . . look at the diamond against a white surface . . . colorless (icy-white) most rare & expensive . . . grade D to A -- designating a more yellow tint

Clarity -- external irregularities & internal imperfections created by nature

Cut -- small, flat, polished facets . . . yield maximum amount of light . . . known as brilliance -- very important in determining quality of a diamond

2. What about discount claims in the pricing of diamonds? Be cautious of diamond sellers who claim 50% to 70% off . . . many of these claims are not based on real savings from past prices . . . and compare prices with the “4 C’s”

3. What are a couple of questions when purchasing a diamond?

1. Has the diamond been treated or altered in anyway? . . . Has it been colored, tinted, coated, irradiated or heated

2. Is the jeweler a member of Jewelers of America? (National Association of Retail Jewelers -- code of ethics)

3. Is jeweler Accredited by the BBB?

4. Need more help? Contact the Better Business Bureau . . .

(409) 835-5348 (855) BBB-SETX www.bbb.org

Seven Scams that Target Small Businesses

1/20/2011

Posted on 1/20/2011 by

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 www.bbb.org/us/Business-Resources/.

From KSET: Rent-to-Own, or is it Owned by Rent?

1/14/2011

Posted on 1/14/2011 by

Need a washing machine, couch, computer or television, but can’t afford to pay cash, or the credit to finance it? Just moved to town and need to furnish an apartment for a few months? Rent-to-own stores are an option, but this service can come at a high price. Here are some tips:

1. Does the “rent-to-own” industry really make an impact in the marketplace? Over $6 billion per year . . . Over 4% of all American households bought merchandise through a rent-to-own contract last year

2. What makes “rent-to-own” different from buying a product? Usually no credit check or down payment . . . usually make weekly payments . . . store can reclaim if you stop making payments . . . higher interest rate . . . do not own the merchandise until you have fulfilled the contract . . .

3. What should “rent-to-own” contracts include? Whether product is new or used . . . payment amount . . . number of payments . . . total amount you will pay to own the merchandise . . . liability for loss or damage . . . cash price of the item

4. What are some important tips if considering a “rent-to-own” purchase? Shop around . . . checkout layaway or other options to reduce total cost . . . read the contract . . . understand legal considerations . . . contact the BBB 24 hours a day at (409) 835-5348 (855) BBB-SETX or www.bbb.org

From KFDM "Live at 5": Questions to Ask Before Joining a Gym

1/10/2011

Posted on 1/10/2011 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 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 Michael Clayton, President/CEO of the BBB in Southeast Texas. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

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

Questions to ask the gym:

What are the terms of any introductory offers?

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

Will my membership renew automatically?

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

How can I get out of my contract?

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

What happens if I move?

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

What happens if you go out of business?

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

Questions to ask yourself:

What are my fitness goals?

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

Is this location convenient?

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

Can I really afford this every month?

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

Am I feeling pressured to join?

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

Did I get everything in writing?

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

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

From KSET: Red Flags When Applying to a For-Profit College

1/10/2011

Posted on 1/10/2011 by

Enrollment at for-profit schools—including trade schools and online universities—has skyrocketed in recent years. Unfortunately, not all schools offer a quality education and enrolling in a sub-par program can be a waste of time and money. When checking out for-profit schools, the Better Business Bureau recommends doing your research and looking for seven 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 Michael Clayton, President/CEO of the BBB in Southeast Texas. “Not all post secondary schools offer the same level of education and you can waste tens of thousands of dollars and years of your life if you sign up with an institution that doesn’t meet standards.”

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

The recruiter uses high-pressure sales tactics.

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

The recruiter exaggerates potential income or guarantees a job.

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

The prices are inflated when compared to other options.

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

The school is not accredited.

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

The degree or program seems too easy to obtain.

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

The school does not disclose information as required.

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

The recruiter encourages you to lie on financial aid forms.

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

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

BBB Lists Top 10 Scams in 2010

1/3/2011

Posted on 1/3/2011 by
As the American economy climbs out of recession, the Better Business Bureau (BBB) reminds consumers that scammers still want to knock people back into their own personal recessions by stealing their money or their identities.

“Every day, the BBB receives calls from consumers wondering if a check they received is real or wanting to know if a job or mystery shopper offer is legitimate,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas.

“Our customer relations specialists are trained to help consumers spot scams and to provide information on legitimate businesses, in addition to taking complaints," Clayton said. "We encourage consumers to check with us before doing business with a company or charity.”

The BBB list of top scams and rip-offs is by no means exhaustive. Some schemes are old and familiar. Others are new – or appear to be so because they refer to events or people in the news. All are attempts to trick consumers into handing over their money or giving up information that can be used to commit fraud. They are in alphabetical order.

Advance Fee Loans: Websites offer credit-challenged borrowers personal loans. The lenders require fees to be wired in advance to receive the loan. Once the money is wired, borrowers do not get the loan.

Auto Service Contracts: Consumers may receive postcards or phone calls implying that their warranties are about to expire and offering to ease their worries about car repair bills by buying an “extended warranty.” Many consumers then find it extremely difficult to obtain money for any repairs.

Door-to-Door Sales: Salespeople for magazine subscriptions, burglar alarms, home repairs, vacuum cleaners and other items use high-pressure sales tactics to obtain payment for items or services that never arrive or that fail to meet customers’ expectations.

“Free” Trial Offers: Consumers are encouraged to order a product such as teeth-whiteners, acai anti-aging pills or other products, which may be endorsed by a television personality. After they get the product, they discover that they’ve been signed up to receive additional products for a monthly fee that can be hundreds of dollars. It can be extremely difficult to get refunds or stop the fees.

Friend/Family in Distress: Also known as the grandparent scam. The victim receives a message from a “friend” or “family member” claiming they are outside the country and have gotten into trouble. The victim is asked to wire thousands of dollars to pay lawyer’s fees or to post bail.

Lottery and Fake Check Scams: Victims receive letters in the mail from companies purporting to be from a foreign lottery, Publisher’s Clearing House or another well-known company or charity. Often, the letter includes an authentic-looking check. In most cases, victims are asked to wire hundreds of dollars back to the scammers - supposedly to cover taxes or other bogus fees.

Job Hunter Scams: One scam asks job seekers to pay fees to be considered for a job; others schedule an out-of-town interview and ask the applicant to send the money to cover an airline ticket. Other scams attempt to gain access to personal information such as bank account or Social Security numbers, under the guise of somehow evaluating a potential employee.

Mystery Shopping: Consumers may be told they will be paid to shop at a store and evaluate its customer service. Victims may receive authentic-looking checks that are supposed to cover the cost of shopping. They are asked to wire money back to the scammers to evaluate a money wiring service such as Western Union or MoneyGram. The checks are fake, and victims incur a loss and bank fees.

Phishing E-mails: Phishing e-mails from fraudsters masquerading as government agencies or delivery companies pop up in inboxes everywhere. Whatever the setup, the goal of any phishing e-mail is the same: to trick victims into divulging sensitive financial information or to infect the victim’s computer with viruses and malware.

Work-At-Home Schemes: Websites claim that people can make a living from home using Google or Twitter or by buying a kit that includes educational materials or products to sell. Many of these turn out to be free trial offer scams, with victims being billed every month for materials or other mystery charges. Legitimate employers do not ask employees to make an investment up front.

Consumers can learn how to protect themselves or check a business’s BBB Reliability Report by calling (409) 835-5348 or (855) BBB-SETX, also by going online to www.bbb.org.

BBB Offers New Year Tips to Take Control of Your Finances

1/3/2011

Posted on 1/3/2011 by
When the holiday season ends, many families may face the repercussions of having over-extended their budgets for holiday gifts, travel, or entertainment. For consumers who lost control or who exercised too little control of their finances in 2010, now is the time to make some new year’s financial resolutions.

            "We encourage consumers to begin 2011 by taking charge of their finances, pledging to shop wisely, and learning how to identify marketplace scams," said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. "Our single most important piece of advice is to contact the BBB before making a major purchasing or investment decision, and before responding to any enticing, but unsolicited, offer."

            The BBB system will assist over 50 million consumers this year, with reports on businesses and charities, consumer education information, general counseling, and dispute resolution through conciliation, mediation arbitration. With BBBs serving every marketplace in the United States and Canada, and high-traffic web sites, the Better Business Bureau system offers pre-purchase information at the time and place consumers find most convenient, 24 hours a day.

            Be an informed investor. Make a promise to avoid any offer requiring you to "act now," and carefully evaluate investment pitches that predict or guarantee large profits because of seasonal demand or well-known current events.

            “Formalize a savings plan. The United States is becoming known for its negative savings rate. Decide how much you need to bolster your financial cushion, and develop a plan to achieve your savings goal. If you want to formulate a long-term financial/investment plan, you might consider hiring a financial planner. Check with the BBB for specific tips on finding a reliable one,” Clayton added.

            Monitor your debt load. Establish a debt repayment plan for 2011 and keep strict records. Pay more than the minimum amount due on credit card accounts. If you are already deeply in debt, ignore ads that promise for an advance fee to repair your credit history. While there are no "quick fixes," you can take positive action to restore your creditworthiness. Contact a non-profit credit counseling agency or your BBB for additional advice on the wise use of credit.

            Beware of bogus loan offers from unfamiliar financial institutions. Canadian BBBs report that scam artists in various provinces are targeting Americans with promises of guaranteed, low-interest rate loans or credit cards. Consumers that take the bait and send the required fee in anticipation of a loan are sorely disappointed.   They receive neither the loan, nor a refund of the advance fee. Before doing business with any unfamiliar financial company or institution, particularly those headquartered in other states or countries, contact the Better Business Bureau.

             Deal with reliable merchants. Don't do business with strangers who approach you at home. Carefully evaluate unsolicited phone call or e-mail offers. Make sure the business has a permanent address and phone number, check customer references and contact the BBB for information about the company's Reliability Report. Companies that are accredited by the BBB have agreed to abide by high standards; which include truthful advertising and responding promptly and fairly to any customer complaints.

            “If it's not in the contract, you don't have an agreement. Read and understand the contract and guarantee, before you sign. Make sure the contract provisions match what the salesperson told you. All promises should be included in the contract. Once you sign the contract, don't assume you can cancel it,” Clayton continued.

            Ask about the return policy up-front. The time to ask about returns, refunds and exchanges is before you purchase the product.   Always get a receipt and ask that guarantees be put in writing.

            Guard your personal information. Don't give out your credit card, bank account, Social Security or driver's license numbers to anyone you don't know who contacts you by phone, through the postal service or via e-mail. Even if you are promised a prize or an award, don't provide personal information until you receive written information about the offer and have checked out the company.

            “Be wary of high pressure sales tactics. An unbelievable offer that is good "today only" is a sign to be extra careful. A reliable company will permit you to consider your needs and compare products, prices and guarantees from several merchants before making a purchasing decision,” Clayton said.

            If it sounds "too good to be true," it probably is! Scam artists are very persuasive and can convince you in no time flat that this is "the deal of a lifetime." Don't cast aside caution and care in your eagerness to reap the riches they promise. Ask yourself, what recourse do I have if the deal turns out to be fake? Have I paid money up-front? Have I provided personal information that could be used to my detriment?

            Beware the "high pay, no experience necessary" ads. If you're contemplating work from home, do your homework first. View with suspicion any claims from unknown companies that promise you "fast money," "no experience necessary," and "work from the comfort of your home." Ask for references, contact information for satisfied customers and the business location and phone number. Then contact your BBB to see if it has a report on the company.

            It's not free, if it involves a fee! If you have been told you won a free prize, but you have to pay to get it, then it's not a prize worth collecting. Fees by any other name -- advance taxes, shipping and handling fees, customs payments -- are still fees!

For additional information or to receive a BBB Business Review on a business or charity, go to www.bbb.org. In Southeast Texas, call 409/835-5348 or 855/BBB-SETX.

From KSET: BBB’s Top Ten New Year’s Resolutions for a Consumer-Savvy 2011

1/3/2011

Posted on 1/3/2011 by

The New Year is here and, because of the rough economy, it’s more important that ever to resolve to be a savvy consumer. Here are the top 10 BBB Resolutions to fight scammers, prevent identity theft and save money in 2011.

1. Beware of “job” offers to make easy money … (work-at-home)

2. Look for the BBB seal and always check a business out with BBB before you buy … visit bbb.org to review BBB Reliability Reports

3. Always read the fine print—especially for “free” trial offers …

4. Keep your computer safe … install anti-virus software

5. Never wire money to someone you don’t know … money sent via MoneyGram or Western Union is extremely difficult

6. Fight identity theft … shred paper documents … dispose of computers, cell phones and digital data safely … “Shred It & Forget It”

7. Ask BBB for help. File a complaint with your BBB if you have a disagreement with a business or have been ripped off by a scammer.

8. Create a budget and stick to it.

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

10. Get everything in writing. Don’t just take a business’ word for it.

For more advice you can trust from your BBB, visit www.bbb.org. For personal assistance, call 409/835-5348 or 855 BBB-SETX.

From FOX4 and KSET: Resolutions to Shape Up and Loose Weight; Choose a Program Wisely

12/27/2010

Posted on 12/27/2010 by

People are already thinking about their New Year resolutions. Everywhere people will want to shape-up, be healthy, loose weight, and look their best. These are worthy goals. But, we should all be wise in selecting a health club, fitness or weight loss program.

1. What are the first steps to selecting the right fitness club and workout program? Get approval from your medical doctor . . . Seek recommendations from friends . . . visit the clubs . . . checkout the equipment, locker rooms . . . is it overcrowded? . . . visit with the staff -- qualified? friendly? . . . check out the club with the BBB . . . visit the club on a “free trial” a few times to workout . . .

2. What precautions should be taken before signing up? Read the contract carefully before signing it -- make certain any verbal promises are in writing . . . don’t be pressured to sign-up quickly . . . sign up for the shortest amount of time . . . know the refund policy, if any . . . never “join” a club that has not opened.

3. What about weight loss promotions and program? Fat fighting fraud was one of the most common consumer scam in 2010 . . . research . . . beware of claims – “breakthrough” “secret” . . . Skeptical of self-proclaimed health advisors & $ back promises

4. Where can consumers receive further information? Other information -- (409) 835-5348 or (855) BBB-SETX.

Newest Accredited Businesses

12/16/2010

Posted on 12/16/2010 by

Most-recently approved by the Board of Directors...

The 14 businesses, having met the Accreditation standards of the BBB in Southeast Texas, applied from November 15, 2010, through December 10, 2010, and were approved by the Board of Directors.

AZALIA’S HOME APPLIANCE REPAIR

Jesus Muzquiz, Port Arthur

DADDY D’S

Darren & Shelley Lacy, Beaumont

DSW HOMES, LLC

Jim Schumer, Beaumont

EDNA THOMPSON TAX SERVICE

Eva Stewart, Vidor

J. KEEN’S FLORIST

Johnnie Keen-Brown, Vidor

K-TOWN PIZZA PRO

Lisa & Steve Eppes, Kountze

MAIDA LAW FIRM, PC

Frank Maida, Beaumont

MAX’S LAWN SERVICE

Max Jaimes, Beaumont

NETWORK CENTRIC SOLUTIONS, LLC

Desi Ramsey, Beaumont

ORANGE COUNTY ICE

Greg LeBlanc, Bridge City

SUBWAY

Bobby Patel, Beaumont

THE CARPENTERWORKS

Ronnie Smith, Orange

VIDOR HEALTH & REHABILITATION CENTER

John Connolly, Vidor

WHITE’S CONSTRUCTION COMPANY

Kevin White, Groves

BBB Announces 2011 Elected Officers

12/16/2010

Posted on 12/16/2010 by

The Better Business Bureau that serves the eight-counties and the Bolivar Peninsula of Southeast Texas has announced the officers of its Board of Directors for 2011. They include Board Chairperson -– Barry Bryant, Marketing Manager of Bill Clark Pest Control; Vice-Chairperson -- Paul Skinner, Owner/President of Star Graphics, Inc.; Treasurer -- Dan Bell, VP Business Lending of MCT Credit Union; Chairperson-Elect for 2012 -- Bill Hecht, Regional CFO of CHRISTUS Southeast Texas; Secretary -- Tim Sudela, President of American Valve & Hydrant; and past Board Chairperson -- George Crawford, General Manager of Lamar Advertising.

Twenty-five other prominent business leaders in the region including Slate Babineaux, Vice President of Air Comfort; Jim Broussard, Co-CEO of Broussard’s Mortuary; Jed Dollinger, Senior Partner (retired) of Wathen, Deshong & Juncker, CPA; Robert Edgar, Shareholder of Edgar, Kiker & Cross, CPA; and Shawn Hanley, VP/Marketing of Howell Furniture Galleries.

Also on the BBB Board are Tom Jordan, Owner of U.S. Flagpoles; Michael Sculley, Sales Manager of Kirksey’s Sprint Printing; Sally Walden, Executive Director of Spindletop MHMR; Alfred Anderson, Owner of Anderson Ford Mercury; Tim Baker, President of Baker Auto Repair; Larry Beaulieu, General Manager of KFDM-TV; Robert Bertrand, President of Cotton Cargo; Corinne Creason, Owner of Manning’s School Supplies; Mike Hebert, President of Texas Marine; Gisela Houseman, Owner of Tony Houseman Homes; Steve McGrade, President of Able Fasteners; Mark Russo, Customer Service Manager of Entergy Texas; Ann Scoggin, Owner of Coldwell Banker Southern Homes; Gail Shook, Owner of Airport Travel Agency; Jerry Sonnier, Owner/President of Coastal Roofing Specialists; Tim Sudela, President of American Valve & Hydrant; Anthony Toups, General Sales Manager at Classic Southeast Texas; Bo Weinbaum, Owner of PRIMCO; Ron Wheeler, General Manager of Southern Lawn & Maintenance; and R.O Williams, Jr., Owner of Republic Payment Plans.

Serving on the 2011 Executive Committee will be Edgar, McGrade, Russo, Scoggin, and Sculley.

“We are very pleased to have this caliber of business leaders at the helm of our regional Better Business Bureau, which is regionally governed and funded,” said Michael Clayton, BBB President/CEO. “Each is sensitive and committed to our mission to “Start With Trust” -- advancing integrity and an ethical marketplace throughout all of southeast Texas,” he added.

From FOX4 and KSET: BUT, I DIDN’T ORDER IT!

12/16/2010

Posted on 12/16/2010 by

At Christmas time and throughout the year southeast Texans receive merchandise of all kinds, which they did not order . . . stickers, books, CDs, DVDs, and much more. But, are you obligated to pay? And, must you return the merchandise?

1. Are consumers obligated to pay for merchandise they never ordered? Not at all! . . . Federal laws prohibit merchants from shipping unordered merchandise to consumers and then demanding payment . . . matter of fact, keep the shipment as a “free gift” . . .

2. If they do keep the unordered merchandise, must they notify the sender?

No legal obligation to do so . . . sending a letter stating your intention to keep the shipment as a free gift is an advisable precaution . . . may discourage repeated bills or dunning notices, or clear an honest error . . . suggest they send it certified mail and keep the return receipt and a copy of your letter.

3. How can a consumer protect themselves from shippers of ordered merchandise? Read all the fine print when responding to sweepstakes or when ordering goods advertised as “free,” “trial,” or “unusually low priced” . . . are you joining a “club” with regular purchasing obligations . . . investigate reputation of companies before doing business with them . . . keep good records . . .

4. Where can consumers go for help in dealing with unordered merchandise problems? Resolve the dispute with the company itself . . . if unsuccessful -- USPI, state/local consumer protection office, and contact the BBB at (409) 835-5348 or (855) BBB-SETX or www.bbb.org

From KFDM "Live at 5": Important Christmas Shopping Tips

12/16/2010

Posted on 12/16/2010 by

It’s almost here! Christmas is only 11 days away! Being a smart shopper and “giver of gifts,” helps to prevent disappointments and heartaches before and after December 25th. Here are some holiday shopping tips.

1. Shopping online is the norm today, but what is important to remember? Secure site . . . make sure delivery can be made before Christmas . . . read all information carefully . . . reliable company? . . . keep a copy of the web site agreement . . . merchandise guaranteed? . . . customer satisfaction policy? . . . privacy policy? . . . what’s the return policy? . . . guard your personal information . . . buy with a credit card, not debit

2. Are retailers required by law to make exchanges, give refunds or returns? Not at all, unless the product is defective or was misrepresented

. . . retailers voluntarily adopt their own policies simply as a customer service . . . know the store’s policies before you buy, which should be clearly posted in the store . . . ask if is not . . .

3. What about the giving of gift cards? Very popular . . . in light of possible store closings and bankruptcies . . . consider generic bank gift cards or mall cards

4. Where can a wise shopper go to know more about the stores/online companies where they wish to shop? BBB Business Reviews OnLine and Off line, Contact 24 hours a day (409) 835-5348 (855) BBB-SETX

or online at www.bbb.org

No Matter How You Give, Give Wisely with Advice from the BBB Wise Giving Alliance

12/13/2010

Posted on 12/13/2010 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 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 Michael Clayton, President/CEO of the BBB in Southeast Texas. “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.

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. In Southeast Texas, call 409/835-5348 or Toll-Free at 855/BBB-SETX.

From FOX4 and KSET: Are Barcode Scanners Always Right?

12/13/2010

Posted on 12/13/2010 by

Doing that final Christmas shopping? Well, don’t forget . . . “Electronic barcode scanners” are the norm at retail stores sending the price and other product information to the register. At the same time, the price is shown on the display screen and a receipt is printed. It is faster, keeps an updated inventory list, and is suppose to eliminate mistakes. Or, does it?

1. Should you automatically assume that the scanned price is always correct? Consumer advocates estimate that scanner errors overcharge customers millions each year . . . some times there are inconsistencies between the advertised or posted prices and the prices stored in the computer . . . it is not your cashier’s fought? . . . certainly not! Was it done intentionally? . . . let’s assume not!

2. Is it a good idea to watch the display screen while checking out, and what about advertised specials? Think you are being overcharged, speak up . . . ask about store’s policy on pricing errors . . . spot a pricing error, ask the cashier to make adjustment before you pay . . . some stores adjust the price, others deduct an additional amount . . . bring a copy of the store’s ad to the checkout counter . . . some advertised specials may not yet be in the computer and must be entered manually . . . consider writing down prices or special sales as you go through the store.

3. If you notice a pattern of electronic scanning errors in a particular store, what should you do? Talk to customer service department or the store manager . . . write a letter to the headquarters . . . retailer may not realize that such a problem exists . . . report recurring problems to the AG’s office and call the BBB at (409) 835-5348 or (855) BBB-SETX or www.bbb.org.

Fighting Cold and Flu Season in the Workplace

12/6/2010

Posted on 12/6/2010 by

Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Alison Southwick, BBB spokesperson. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home - Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office - Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots – Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair – Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example - Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at www.bbb.org/us/Business-Tips-Index/.

Darren Hardy to Speak at Torch Awards May 10

12/6/2010

Posted on 12/6/2010 by

The search for the 2011 recipients of the prestigious Better Business Bureau Torch Award for Marketplace Trust from the BBB in Southeast Texas has begun! Two for-profit businesses and one non-profit organization will be honored at the 14th annual presentation banquet on Tuesday, May 10, 2011. Darren Hardy – best-selling author, international speaker, and publisher of the 100+ year old SUCCESS magazine -- will be the keynote speaker.

The Torch Award process is an effort of the BBB Consumer Education Foundation, Inc. -- a charitable non-profit of your regional BBB. Thus, funding of the awards process must be secured by the Foundation.

Five exclusive “Diamond Partners” are being secured for this prestigious award and presentation event. The first step will be mailing 13,000 applications to for-profit businesses across Southeast Texas. The name/logo of the five “Diamond Partners” will be printed in full color on the mailing, and they will be featured in all press releases, publications, the presentation banquet invitations and program, banquet video banners, web home page banners, a special upfront table for ten at the banquet, and more. In addition to all the other “Diamond Partner” benefits listed on the enclosed sheet, “Diamonds” will also participate in a small private reception with Darren Hardy just prior to the banquet.

Please consider this request and be a “Diamond Partner” for this notable recognition and presentation. It benefits both your business and the BBB to share in this partnership.

Save the date . . .

The 14^th Annual

TORCH AWARDS

for Marketplace Trust

2011 Presentation Banquet

Hosted by the

Better Business Bureau®

and the Lamar University College of Business

Tuesday Evening, May 10, 2011

Beaumont Civic Center

Silent Auction & Reception at 5:30 PM Meal, Program & Presentations at 7:00 PM

Presentation of four finalists and two winners of the Torch Award for Marketplace Trust,

plus a new award given in the non-profit organization category

Revenues from the Banquet and Auctions benefit the endowed BBB Lamar University College of Business Scholarships and the BBB Consumer Education Foundation, Inc.

Platinum Partners

Table seats 8 . . . logo table sign, on the Power-Point, and in the printed program . . . private pre-banquet reception with Darren Hardy . . .wine, cheese, and other special appetizers, one-year sponsorship on the BBB Voice Information System

$1,900

Gold Partners

Table seats 8 . . . bold listing in the program . . . mention on the Power-Point . . . table sign . . . wine and cheese

$1,450

Silver Partners

Table seats 8 . . . sponsor listing in the program. . . table sign . . . wine

$1,000

Bronze Partners

Table seats 8 . . . table sign . . . wine

$750

Individual Seats

$80

Call (409) 835-5951 x 117 TODAY to Reserve Your Table(s)!

Best table locations and seats are going quickly!!

Proceeds from the banquet contribute $10,000 to the BBB endowed scholarships

at the College of Business of Lamar University, and assist the efforts of the BBB Consumer Education Foundation, Inc. to prevent fraud in the southeast Texas marketplace.

All table partnerships and seats are with the BBB Consumer Education Foundation, Inc.,

a charitable non-profit organization, and are tax-deductible to the limits of the law.

Fax to 409. 838.6858 or call 409.835.5951 x117 ASAP!

From FOX 4 and KSET: Identity Thieves Hit Hard During the Holidays

12/6/2010

Posted on 12/6/2010 by

Identity theft claimed 11 million victims in 2009, a 25% increase over 2008, and the danger of your personal ID being stolen during the Christmas season is greater than ever. BBB recommends taking the following steps to fight identity theft this holiday season:

1. Is it safe to shop on-line?

(Over 45% of holiday shoppers make purchases on-line)

* Confirm the legitimacy of all “trust marks” -- BBB, Versign or TRUSTe . . . clicking on the seal . . . will direct you to the certifying organization’s Web site.

* Make online purchases with credit card -- Fair Credit Billing Act protection allows you to dispute the charges with your credit card company.

* Only pay on a secured site – look to address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying.

2. What about in-store shopping tips?

* Pick pockets -- Keep purse tucked securely under your arm and your wallet in a front pocket . . . don’t bog yourself down by too many shopping bags.

* Keep receipts in your wallet -- safe place; not your bag.

* Review your credit card statement quickly -- Check your credit card activity online rather than waiting for the statement . . . catch suspicious charges immediately . . . report any irregularities to your credit card company.

3. How do we respond to e-mail phishing attempts?

* Be wary of emails from retailers, banks or shipping businesses -- If you receive an email from your bank, retailer or a shipping company claiming that there is a problem with your account or delivery, do not click on any links in the email or reply with any information. Instead contact the business directly to confirm the issue.

* Be extremely cautious when viewing e-cards -- fake e-mail notices that claim generically that a "friend" or "family member" has sent a card . . . victims click on a link that installs a virus.

* Purchase anti-virus software from a business you trust.

For more advice on keeping your identity safe over the holidays, visit www.bbb.org or call the BBB 24 hours a day (409) 835-5348 or NEW (855) BBB-SETX.

From FOX4 and KSET: What About Refunds, Exchanges and Returns?

11/29/2010

Posted on 11/29/2010 by

There is always some confusion about what is required or expected from merchants concerning refunds, exchanges and returns. With Christmas shopping underway and the giving of gifts just ahead, it is important for everyone to know what responsibilities retailers have, and the ones they don’t have. Here are some tips to prevent confusion and frustration after this holiday season.

1. Are retailers required by law to make exchanges, give refunds or returns? Not at all, unless the product is defective or was misrepresented

2. Is the sales receipt important and what about exchanging or returning a gift? Sales receipts are proof of purchase and at what price . . . many stores will provide “gift receipts” or “purchase cards” to include with gifts for exchange or return purposes -- include with gift or provide it afterwards . . .

3. What other tips are important during this holiday shopping season? Read the labels and packing slips . . . keep the packaging . . . read and understand product warranties . . . BE PATIENT with retailers and salespeople . . .

4. How can the Better Business Bureau assist in return, refund or exchange disputes? Conciliation, mediation, and arbitration, if necessary . . . call us at (409) 835-5348 or (800) 685-7650, 24 hours a day . . . or visit our website at www.bbb.org.

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/22/2010

Posted on 11/22/2010 by

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.

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.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/. In Southeast Texas, call 409/835-5348 or 800/685-7650.

Shoppers Can Avoid Post-Holiday Blues By Shopping Smart, Keeping Receipts

11/22/2010

Posted on 11/22/2010 by

With Christmas decorations going up before Halloween, the pressure to spend money on holiday gifts starts well before Black Friday, the day after Thanksgiving that traditionally is one of the biggest shopping days of the year. Smart shoppers try to snap up bargains without overspending.

Last year, shoppers planned to spend about $699 on average over the holidays, but actually spent closer to $811, or 16 percent more than planned, according to Consumer Reports.

The Better Business Bureau (BBB) advises consumers to arm themselves with a budget and knowledge about the items they plan to buy before hitting the stores. Setting limits can help you avoid a deluge of post-holiday bills.

“The temptation to spend can be strong this time of year, especially with some retailers pushing deferred billing or zero-percent financing for gifts,” said Michael Clayton, President/CEO of the BBB in Southeast Texas. “Consumers need to stick to budgets so they don’t find themselves overwhelmed by debt next year.”

Shoppers should be wary of exaggerated claims of discounts, whether shopping online, in a mall or at a free-standing store. Be sure to shop around to compare prices, matching descriptions or model numbers of items you want to buy.

When buying gifts, it’s important to obtain and keep receipts for all purchases, in case the recipient needs to return an item. Many stores will provide gift receipts upon request, which allow returns but don’t show the recipient how much you paid for an item.

Be sure to check a store’s return and refund policy before you make a purchase. Although some stores relax their return policies during the holiday season, others may require that returns be made within a few days of purchase. Some only allow returns if a product is defective while others may give store credit instead of cash refunds.

While online shopping can be a way to avoid crowded stores, shoppers need to be careful of the sites they patronize. When shopping online, be sure to:

Check the site’s security settings and read the company’s policy on sharing information with other sites. If the site is secure, its address should start with https://. You also may see a picture of a small closed lock in the lower right corner of the screen.
Know the company’s refund and return policies before ordering. Are there restocking fees? Do you have to pay shipping costs on returns?
Do not rely on pictures of a product on a website. Read the description and check model numbers, if applicable.
Be cautious of free or very-low-price offers. Often, free offers are followed by an open-ended enrollment in a program that automatically bills your credit card account every month. Before ordering anything online, make sure you click on and read all terms and conditions.
Pay with a credit card whenever possible. That way, you can challenge the charge in the event of a dispute.
Obtain a tracking number for shipments. If you need the product before the holidays, find out when the seller intends to ship it and if possible, how it will be shipped.

Toy safety also has become a concern for many parents. Make sure any toys you buy are appropriate for the age of the child. If possible, inspect toys carefully to look for sharp edges that may cut, moving parts that can pinch or small, removable pieces that can be a choking hazard. Toy chests should have air holes, and fabric products should be flame-resistant. Check for a UL (Underwriters Laboratories) seal on electric toys.

Research any company carefully before doing business with it. Check out BBB Reliability Reports online at www.bbb.org.

Newest Accredited Businesses

11/17/2010

Posted on 11/17/2010 by

Most-recently approved by the Board of Directors...

The 22 businesses, having met the Accreditation standards of the BBB in Southeast Texas, applied from October 16, 2010, through November 12, 2010, and were approved by the Board of Directors.

ALL SERV OF TEXAS, LLC

Chris Evans, Beaumont

ALPHA OMEGA HOME HEALTH CARE

Sandra McMahon, Beaumont

BROUSSARD DRIVING SCHOOL

Tammy Broussard, Groves

CALIBER SOLUTIONS

Kellye Badon, Beaumont

CENTER STAGE BOUTIQUE

Orange, TX 77630

CLASSIC ACURA

Fred Schwartz, Beaumont

COSMOS HOSPICE OF BEAUMONT, LLC

Laura Cain, Beaumont

COUSIN’S LAWN SERVICE

Ruben Alvarez, Beaumont

DUVALL’S RV PARTS & SUPPLIES

Danny Duvall, Nederland

JK SUBARU

L. Robert Turner, Nederland

LEGERS HOMES

Robert Leger, Kountze

LIGHTHOUSE SHIPPING AGENCY, INC.

Chris Phillips, Nederland

LINN’S PROFESSIONAL AUTO CARE

Linn Myers, Vidor

MR. ELECTRIC

Eric & Kevin McClory, Beaumont

ON SITE COMPUTER SOLUTIONS, INC.

Clifton Poe, Beaumont

PATE SERVICES

Robert Pate, Beaumont

PROGRESSIVE BUILDINGS

Lee Mallett, Iowa, LA

ROBERTA APPLEGATE, PC

Bobbie Applegate, Beaumont

SOUTHEAST TEXAS SURGICAL ASSOCIATES, PA

Kevin L. Dean, Beaumont

THIRD COAST BANK SSB

W.G. White, Beaumont

TOP DECK, INC.

J.W. Dalton, Orange

Newest Online Accredited Businesses

OVERHEAD DOOR COMPANY, INC.

Gary Coe, Beaumont

Five Tips for Staying Safe on the Roads over the Holidays

11/15/2010

Posted on 11/15/2010 by
The Holidays are a time of cheer, but they can also be a time for battling traffic and bad weather all the way to Grandma’s house. 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 www.bbb.org/us/consumer-tips-holiday/. In Southeast Texas, call 409/835-5348 or 800/685-7650. Follow us on Facebook and Twitter!

From FOX4 and KSET: Important Christmas Shopping Information

11/15/2010

Posted on 11/15/2010 by

It’s almost here! Christmas is only five and a half weeks away! Being a smart shopper and “giver of gifts,” helps to prevent disappointments and heartaches before and after December 25th. Here are a few holiday shopping tips:

1. Shopping online has very commonplace . . . what is important to remember? Shop local whenever possible . . . Make sure delivery can be made before Christmas . . . read all information carefully . . . reliable company? . . . keep a copy of the web site agreement . . . merchandise guaranteed? . . . customer satisfaction policy? . . . privacy policy? . . . what’s the return policy? . . . guard your personal information . . .

2. Are retailers required by law to make exchanges, give refunds or returns? Not at all, unless the product is defective or was misrepresented . . . retailers voluntarily adopt their own policies simply as a customer service . . . know the store’s policies before you buy, which should be clearly posted in the store . . . ask if is not . . .

3. What about the giving of gift cards? In light of possible store closings and bankruptcies . . . consider generic bank gift cards or mall cards . . .

4. Where can a wise shopper go to know more about the stores where they wish to shop? Business/Charity Reliability Reports OnLine and Off line, contact the Better Business Bureau 24 hours a day (409) 835-5348 (800) 685-7650 or online at www.bbb.org

BBB Announces Newly Elected Directors for 2011-2013

11/11/2010

Posted on 11/11/2010 by
The Better Business Bureau that serves the eight-counties of southeast Texas and the Bolivar Peninsula, has announced ten members of its Board of Directors who were recently elected by BBB Accredited Businesses. Each will serve a three-year term from January 1, 2011 through December 31, 2013.

         Regional business leaders recently elected include Slate Babineaux, Vice President of Air Comfort; Jim Broussard, Co-CEO of Broussard’s Mortuary; Jed Dollinger, Senior Partner (retired) of Wathen, Deshong & Juncker, CPA; Robert Edgar, Shareholder of Edgar, Kiker & Cross, CPA; and Shawn Hanley, VP/Marketing of Howell Furniture Galleries.

          Five more leaders who were elected include Bill Hecht, Regional CFO of CHRISTUS Southeast Texas; Tom Jordan, Owner of U.S. Flagpoles; Michael Sculley, Sales Manager of Kirksey’s Sprint Printing; Paul Skinner, Owner/President of Star Graphics, Inc.; and Sally Walden, Executive Director of Spindletop MHMR.

         These individuals join twenty other Directors currently serving a three-year term continuing into 2011. They include Alfred Anderson, Owner of Anderson Ford Mercury; Tim Baker, President of Baker Auto Repair; Larry Beaulieu, General Manager of KFDM-TV; Dan Bell, VP Business Lending of MCT Credit Union; Robert Bertrand, President of Cotton Cargo; Barry Bryant, Marketing Manager of Bill Clark Pest Control; George Crawford, General Manager of Lamar Advertising; Corinne Creason, Owner of Manning’s School Supplies; Mike Hebert, President of Texas Marine; and Gisela Houseman, Owner of Tony Houseman Homes.

         Also continuing their terms on the Board next year will be Steve McGrade, President of Able Fasteners; Mark Russo, Customer Service Manager of Entergy Texas; Ann Scoggin, Owner of Coldwell Banker Southern Homes; Gail Shook, Owner of Airport Travel Agency; Jerry Sonnier, Owner/President of Coastal Roofing Specialists; Tim Sudela, President of American Valve & Hydrant; Anthony Toups, General Sales Manager at Classic Southeast Texas; Bo Weinbaum, Owner of PRIMCO; Ron Wheeler, General Manager of Southern Lawn & Maintenance; and R.O Williams, Jr., Owner of Republic Payment Plans.

         “We are very pleased to have this caliber of business leaders at the helm of our regional Better Business Bureau, which is regionally governed and funded,” said Michael Clayton, BBB President/CEO. “Each is sensitive and committed to our mission to “Start With Trust” -- advancing integrity and an ethical marketplace throughout all of southeast Texas,” he added.

From FOX 4, KSET, KFDM "Live at 5": Tis’ the Season for Holiday Scams

11/10/2010

Posted on 11/10/2010 by

Scamshopping sites online

Look for the BBB seal when shopping online … click on theseal to confirm it is legitimate … unfamiliar shopping websites--check thebusiness out with the BBB before you buy

Findingthe season’s hottest toys and gadgets online

Shop locally on Craigslist and conduct the transaction inperson—never wire money as payment … purchasing items on auctions like eBay,research the seller extensively and listen to your doubts if the deal doesn’tsound legit

Identitytheft at the mall

Don’t let yourself get bogged down in purchases and losetrack of your wallet … know where your credit and debit cards are at all times… cover the keypad when entering your pin number while purchasing items orgetting money from the ATM

Boguscharitable pleas

Always research a charity with the BBB Wise GivingAlliance before you give to see if the charity meets the 20 Standards forCharity Accountability

Phishinge-mails

Don’t click on any links or open any attachments toe-mails until you have confirmed that they are not malicious … beware ofunsolicited e-mails from companies with which you have no association … makesure you have current antivirus software

For more advice on being a savvy consumer this holidayseason, visit us online at www.bbb.org or call(409) 835-5348 or (800) 685-7650

Five Steps to Create and Keep a Holiday Budget

11/9/2010

Posted on 11/9/2010 by
Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.

The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.

Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at 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 www.bbb.org/us/consumer-tips-holiday/. In Southeast Texas, call 409/835-5348 or 800/685-7650. Visit us at www.bbb.org, on Facebook, and Twitter!

From FOX4 and KSET: End of Year Giving to Charities

11/8/2010

Posted on 11/8/2010 by

Charitable non-profits are dependent upon the contributions of individuals, businesses large and small, and national/international corporations to fulfill their mission endeavors and projects. Most are soliciting last minute end of year gifts and contributions. But who can you trust to do what they say they are going to do?

1. Curious . . . how much is contributed annually to charities and who gives the money? Nearly one million tax exempt non-profit charities . . . more than 350 billion dollars was given last year in the United States to charities . . . 6% from corporations and 94% by individuals . . . half of that was to religious organizations.

2. What are some general tips you would suggest about charitable giving? Do not give cash -- write a check to the charity’s full official name, never to the individual collecting the donation . . . Secure and keep receipts, canceled checks, etc. -- IRS requires donations of $250 or more to be substantiated with a written receipt.

3. What should a company or individual do before giving to a national or international charity? Don’t be pressured to make an immediate gift . . . ask for information on its programs and finances . . . “investigate before your donate” -- check out the organization with the “BBB Wise Giving Alliance” at www.give.org, or the Better Business Bureau -- (409) 835-5348, 24 hours a days or online at www.bbb.org.

Top Ten Cyber Tips for Staying Safe When Shopping Online

11/2/2010

Posted on 11/2/2010 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 Michael Clayton, President/CEO of the BBB in Southeast Texas. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone - except, of course, for scammers and hackers.”

The 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 the 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 – the 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, the 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, the 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 – the 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; the BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

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

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to www.bbb.org/us/consumer-tips-holiday/

Protect your Debit Card Number from ATM skimming

11/1/2010

Posted on 11/1/2010 by

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

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

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

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

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

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

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

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

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

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

For more advice on fighting identity thieves and preventing fraud, visit us online at www.bbb.org/us/consumer-tips-scams/. In Southeast Texas, call 409/835-5348 or 800/685-7650.

From FOX4 and KSET: Are Service Contracts Worth the Extra Money?

11/1/2010

Posted on 11/1/2010 by

When buying a camera, microwave, television, a toaster, or many other items, you may be offered a “service contract.” Are they a good idea? Are they worth the extra money?

1. What is a service contract, and what about warranties? Often called “extended warranties” -- service contracts are not warranties . . . come at an extra cost . . . like purchasing insurance for repair or maintenance hassles . . . before you buy, make sure you actually need one, and you are not duplicating the product’s warranty coverage.

2. What should you consider when offered a service contract?

. What is covered by the contract? . . . most do not cover repairs for misuse or failure to properly maintain the product.

· What will the contract provide that the warranty does not? Compare the warranty coverage to that of the service contract to see if it is worth the additional expense.

· Is the product likely to need repairs? You may not benefit from the contract if the product is not likely to need servicing.

· What additional expense will you incur? Like insurance policies, service contracts often have deductibles.

· Where can you get service? If a local retailer offers the service contract, you may only be able to get local service.

· Can you purchase the service contract at a later date? Consider waiting until the warranty expires before buying the service contract.

3. What are the most important things we should do when considering a service contract? Read the contract thoroughly . . . don’t rely on promises of salesperson or company brochure . . . before making decision, compare the cost of contract against the value of the item purchased . . . contact the BBB for more information at (409) 835-5348 (800) 685-7650 or www.bbb.org.

From FOX4 and KSET: Weather/Soil Brings Foundation Problems; Repair with Caution!

10/25/2010

Posted on 10/25/2010 by

The lack of rain in southeast Texas over the past year and the hot summer months, combined with the soil conditions of the region will play havoc with home foundations. Companies who specialize in foundation repairs stay swamped with requests. What should you do?

1. What are some tips for a consumer who is in need of foundation repair? Make sure that you and the contractor understand exactly what work is to be done -- put it down in writing -- be specific -- if they won’t it should be a warning that the company may not stand behind its word . . . Compare prices by getting at least three cost quotes -- beware of “low-ball” bidders . . .

2. Tell us about contracts, payment schedules and completion certificates. Don’t rush into signing a contract -- Don’t sign blank contracts. Get a copy of everything you sign . . . Don’t pay for work that has not been done -- don’t sign a completion certificate until the work is complete and you’re satisfied.

3. What about references? Call references of customers before signing a contract -- if company is unwilling to give references, they may have something to hide . . .

Beware! . . . sometimes “references” turn out to be people paid to say good things . . . If possible, look at examples of the contractors work -- check out work in progress and jobs already completed.

Contact the Better Business Bureau -- get a BBB Business Review and Rating report on the companies . . . call (409) 835-5348 or (800) 685-7650, 24 hours a day, access the web site at www.bbb.org

New Laws Go Into Effect to Fight Deceptive Debt Relief

10/21/2010

Posted on 10/21/2010 by

Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27. While the new rule will have a significant impact on reducing predatory debt relief, the Better Business Bureau advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the Better Business Bureau has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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 Revokes Accreditation of Two Businesses

10/20/2010

Posted on 10/20/2010 by

The Better Business Bureau in Southeast Texas has revoked the BBB Accreditation of two businesses. The revocations were approved by the BBB Board of Directors at their October meeting.

The BBB Accreditation of Bryce Tool Company of Beaumont and Britt’s Efficient Air Service of Nederland was revoked due to their failure to comply with Code of Business Practices Standards for BBB Accreditation #5A and #5B as well as #6A and #6B which states BBB Accredited Businesses will abide by all written agreements and verbal representations. The Code of Business Practices requires Accredited Businesses to fulfill contracts signed and agreements reached and honor representations by correcting mistakes as quickly as possible. BBB Accredited Businesses will be responsive, addressing marketplace disputes quickly, professionally, and in good faith.

Per the Better Business Bureau by-laws, both Bryce Tool Company and Britt’s Efficient Air Service have 30 days upon notification to appeal the decision to the Board Chairperson for review by the Board of Directors.

Gold Scam Victims: Where To Turn For Help

10/20/2010

Posted on 10/20/2010 by
What do you do when a gold seller fails to deliver or the merchandise you received was not as described when you ordered it? Who can you contact for help when you don't receive payment for gold you've submitted to sell?

In two recent cases, "Howard" in Mississippi wired $20,000 several months ago to a California coin and bullion dealer to purchase gold coins, and "Richard" in Virginia sent $150,000 to the same dealer. With the recent run-up in bullion prices they both would have made a nice profit, except they still have not received any gold from the dealer. Howard laments, "All I've gotten is the run-around."

"If you don't know gold coins, you'd better know your gold coin dealer," is the advice to collectors and investors in a joint advisory from three nonprofit organizations: the American Numismatic Association (www.money.org), the Industry Council for Tangible Assets (www.ictaonline.org) and the Professional Numismatists Guild (www.pngdealers.com).

"There are many reputable, professional numismatists in the United States," the three organizations emphasized in a joint statement. "Before you make a purchase or offer something for sale, do your homework and check the dealer's credentials. For example, contact the Better Business Bureau to check the company's BBB rating or if the company is even accredited by the BBB."

A listing of Better Business Bureau accredited and rated companies nationwide can be found online at www.bbb.org.

The dealer that received the combined $170,000 in unfulfilled purchase orders from "Howard" and "Richard" had an "F" rating from the BBB.

Typically, dealers who are unresponsive to reasonable requests from customers seeking resolution of disputes are not involved in the mainstream of numismatics, but may advertise in prominent, mainstream news media.

Based on the experiences of the ANA, ICTA and PNG, and in consultation with law enforcement agencies, the three organizations suggest that buyers or sellers of gold coins who encounter problems consider taking these actions:

· Make copies of all correspondence, receipts and transactions and if possible have copies of advertisements or the dates and times ads were broadcast.

· Always contact the company directly to try to resolve the dispute. Ask for the manager or company owner.

· Take thorough notes of your conversation(s).

If the problem is still not resolved after a reasonable amount of time, contact the Customer Service and/or Advertising Departments of the news media organization(s) that published or broadcast the company's advertisements and let them know about the problems.

The ANA, ICTA and PNG advise: "It's your money, so do your homework before placing an order, and if there is a problem then don't just sit back and wait. Be persistent in your efforts to resolve the dispute. Follow up with the company you did business with and the agencies where you've filed a complaint. You may also want to consult with an attorney."

Depending on the specific circumstances of the situation, one or more of these agencies also may be able to assist in the resolution of the dispute.

Numismatic Consumer Alliance, Inc. (www.StopCoinFraud.org) helps consumers secure relief for allegedly fraudulent and illegal conduct within the coin industry. Address: P.O. Box 144, Bedminster, New Jersey 07921. Phone: (908) 781-7947.

Numismatic Crime Information Center (www.NumismaticCrimes.org) can help with investigative resources, information and direction for customers, dealers and law enforcement agencies. Address: P.O. Box 14080, Arlington, Texas 76094. Phone: (817) 723-7231.

Credit Card Companies if the purchase in dispute was made with a credit card within the past six months. Call the Customer Service number on the credit card and inquire about doing a chargeback for undelivered merchandise.

Local Police Department or Sheriff's Department, the local District Attorney or County Prosecutor and the State Attorney General in the city, county and/or state in which you live or in which the dealer has a place of business. Contact the law enforcement agencies in the city, county or state where the transaction took place. Phone numbers can be found in the Government pages of local phone books or online. A convenient listing of contact information for every state attorney general can be found on the National Association of Attorneys General website, www.naag.org.

Federal Bureau of Investigation or Secret Service depending on the dollar amount of the transaction and whether interstate commerce or counterfeit coins were involved in the transaction. Phone numbers for the nearest FBI and Secret Service offices can be found in the Government pages of local telephone books.

United States Postal Service may be able to provide assistance if the transaction occurred using the U.S. Mail. Go to your main post office and ask to talk with the local Postmaster or Postal Inspector.

American Numismatic Association (www.money.org) if the dealers involved in the dispute are ANA members and the dispute involves alleged violation of the ANA Code of Ethics, the association offers complaint mediation services for a fee based on the dollar value of the transaction. Address: 818 N. Cascade Ave., Colorado Springs, Colorado 80903. Phone: (800) 367-9723.

Professional Numismatists Guild (www.PNGdealers.com) if the dealers in question are PNG members they must adhere to the Guild's Code of Ethics, support the PNG Collector's Bill of Rights and must agree to binding arbitration to resolve any disputes involving numismatic merchandise. Address: 3950 Concordia Lane, Fallbrook, California 92028. Phone: (760) 728-1300.

Federal Trade Commission Consumer Sentinel Network (www.FTC.gov); however, don't expect an immediate response. The FTC usually responds when a significant number of serious complaints accumulate against a company, but it is still good to alert the FTC about unresolved disputes so they can be added to the agency's files. Information about filing a complaint can be found online at www.consumeraction.gov. Phone: (877) 382-4357.

Additional consumer protection information from the American Numismatic Association about "How to Buy Gold & Silver" can be found online at

http://www.money.org/Content/NavigationMenu/ExploretheWorldofMoney/BuyingGold/default.htm, and the Professional Numismatists Guild offers consumer education information about "Three Things Gold Buyers Must Know First" online at http://www.pngdealers.com/item.php?item_id=129&category_id=2.

Don’t wait until retirement to create a business succession plan

10/19/2010

Posted on 10/19/2010 by

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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

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://www.bbb.org/us/Business-Resources/. In Southeast Texas, call 409/835-5348 or 800/685-7650.

Register TODAY for BBB "Lunch and Learn” on May 24

10/18/2010

Posted on 10/18/2010 by

“An Exceptional Attitude!”

Luncheon/Training Opportunity

”An Exceptional Attitude! – Your Most Important Quality for Success in Life & Career” will be the topic at the next “Lunch & Learn” on Thursday, May 24, in the Fountainview Room of the MCM Elegante’ Hotel, brought to you in part by Neches Federal Credit Union, Oce Better Business Machines, and Universal Coin.

The quarterly event begins with networking at 11:00AM, a delicious lunch promptly served at 11:20AM and the training will conclude at 1:00PM. “Lunch & Learn” is sponsored by the Better Business Bureau and will provide an excellent opportunity of business networking and professional development.

The fast-paced 60-minute training will be facilitated by Michael Clayton, a Certified Seminar Leader and professional speaker. He has spoken to some 5,000 audiences in 41 states and three foreign countries. He will provide an inter-active handout for all participants.

The “Lunch& Learn” is a special opportunity for managers, supervisors, human resource personnel, administrative assistants, support staff, sales people, and others seeking to be more effective and productive in life and career.

Registration includes lunch, training materials, networking opportunities, and 60 minutes offast paced learning and professional development. The cost is $35 per person through May 10; afterwards seats increase to $40. Advance reservations are required. Checks and major credit cards accepted. No cancellations or refunds after May 16. To reserve your seats, call (409)835-5951 x117, email debbiebridgeman@bbbsetexas.org, or fax request to (409) 838-6858.

Seating is Limited! Make Your Reservations Today!! Don’t Delay!!! Improve yourself, your professional future, and reward all of your team with this growth opportunity! Call today to confirm your commitment! Future BBB "Lunch & Learn" events are scheduled in 2012 for August 23 "The Awesome Power of Goal-Setting!" and November 15 "Increasing Your Productivity!"

Sponsorship opportunities are available in August and November; Call today to secure your partnership!

To see photos, visit: http://www.facebook.com/media/albums/?id=30670389968

From FOX4 and KSET: Avoid Advance Fee Loans

10/18/2010

Posted on 10/18/2010 by

There is a lot of talk about “debt consolidation.” Some individuals and families are tempted by “advance fee loans,” or other schemes that market themselves as consolidation resources. Be warned and be cautious!

1. What is an “advanced fee loan?” Why do you consider them ascheme to defraud people from their money? Advanced fee loan schemes typically target those who can least afford to lose their $$ -- unemployed, fixed incomes, those with big debts . . . they promise guaranteed, low interest loans . . . they charge large amounts of money for upfront application processing fees . . .

2. Where do these so-called loan brokers market their loans? Newspapers . . . magazines . . . online . . . targeting vulnerable consumers and business owners with poor credit, knowing that the loans will be declined, but will keep the upfront processing fee.

3. How can someone protect themselves against advance fee loans schemes? Seek credit locally before going cross country or out of country . . . don’t act immediately – get the paperwork first, understand it thoroughly . . . get references and investigate them . . .ask yourself, “If I can’t get a loan locally, why is this company, which I have never heard of and doesn’t know me, willing to make me a loan?” Victimized?? Complain!! Contact the BBB 24 hours a day (409) 835-5348 (800) 685-7650

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

10/5/2010

Posted on 10/5/2010 by

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.

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

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

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

From FOX4 and KSET: It May Be Legal, But Is It Ethical?

10/4/2010

Posted on 10/4/2010 by

There are numerous business and purchasing opportunities available to both companies and individual consumers, which are legal, but not necessarily very ethical.

1. What do you mean when you say that some offers are legal, but not ethical? What the company offers in the way of a product or service is legitimate, but the way in which it is presented or even ordered is not normal proper business practices . . . it is even deceptive.

2. What are some common offers, how are they made, and share some examples. Anything from light bulbs, long-distance providers, to online advertising . . . most often these unethical business offers come in the form of unsolicited invoices for products or services not previously ordered . . . Telephone Yellow Pages . . . phony invoice being sent to area businesses . . . “not a bill” . . . it is a solicitation . . . payment of the invoice is the actual order of the listing in the Internet directory . . . 80% of these kinds of invoices are automatically paid without question.

3. What should businesses do to prevent being a victim of these unethical practices? Review all invoices thoroughly and make sure they reflect payment for services or products ordered . . . return the unsolicited invoice expressing displeasure with their unethical business practice . . . send a copy to the BBB . . . as always . . . beware, be alert, shop smart!

From FOX4 and KSET: Don’t Get Spooked by Ghoul and Goblin Boutiques!

9/27/2010

Posted on 9/27/2010 by

BBB Advises Don’t Get Spooked

by Ghoul and Goblin Boutiques!

The air is getting cooler. Fall is upon us; the season of festivals, camp fires and trick or treating! It is the time of the year where every kid in America is trying to decide what costume to wear for Halloween. The Halloween Industry Association claims Halloween is the second largest commercial holiday in the USA. According to the Halloween Online Magazine, the Halloween retail industry brought in $2.5billion in sales and advertising revenue in 2009.

Before you rush out to buy your Lady Gaga look- a- like costume, or Buzz Lightyear gear for your little guy, the BBB suggests you exercise caution. Many Halloween costume stores and websites are seasonal. Follow these tips so you won’t be haunted even after Halloween is over.

• Location, Location. 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 outside organizations like the Better Business Bureau (BBB) and consumer agencies.

• Customer Satisfaction Policy. Determine the company's refund and return policies before you buy. If online companies can’t offer concrete commitments on how they will handle any potential problems you may have with their products or services, reconsider doing business with them.

• Leave Nothing to Chance. Be sure you have a thorough understanding of everything involved before making an order. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.

• Guard Your Personal Information. Only provide your credit card information number online in a secure environment. Look for the prefix https:// . . . in the URL box which lists the website’s web address to be sure that a site you are using is secure.

• Check For Reliability at www.bbb.org. Consumers can search for a company by name, phone number and even website.

For more information, call 409/835-5348 or 800/685-7650.

Identity Theft is a Growing Threat; Fight Back with Free Help from BBB and NFCC

9/22/2010

Posted on 9/22/2010 by

The Council of Better Business Bureaus (BBB) and the National Foundation for Credit Counseling (NFCC) are encouraging consumers and small business owners across the country to fight identity theft by taking part in the 3rd Annual Protect Your Identity Week (PYIW), October 17-23.

Identity theft continues to be a growing problem; the number of victims in the US reached 11.1 million in 2009, a 12.5 percent increase over the previous year, according to Javelin Strategy and Research. Threats abound both online and offline and no one is completely safe, but there are steps you can take to protect yourself against identity theft and limit the damage.

As part of the 3rd annual Protect Your Identity Week, consumers and small business owners can take advantage of:

More than 150 events taking place in communities across the country, most offering educational workshops, credit report reviews, and shredding. All events are free and open to the public. Some locations will also provide safe electronic disposal for mobile phones and computer equipment.
Easy to follow tips and resources are available online at www.ProtectYourIDNow.org, where consumers can learn how to fight identity theft and data breaches. Advice in Spanish is also available at www.cuidesuidentidad.org.
A self-assessment quiz at www.ProtectYourIDNow.org to determine your personal risk of identity theft.
Daily blogs from nationally known ID theft expert and McAfee consultant, Robert Siciliano.

“Fighting identity theft is a constant battle and the attacks can come at you from all fronts,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Because we are all potential victims, it’s important that we all take steps to fight identity theft and Protect Your Identity Week is a great place to start. You can participate in a free shredding event to protect yourself now, and check out the educational events and online resources to protect yourself in the future.”

“Last year, tens of thousands of people across the country benefited from the events and resources provided through Protect Your Identity Week. Additionally, more than 500 tons of sensitive documents were shredded, all for free,” said Susan C. Keating, president and CEO of the NFCC. “This year, we anticipate having an even larger impact due to the increased number of events and resources available to consumers. For instance, at shredding events participants can even take part in breaking a Guinness world record. This in itself should create a lot of interest.”

As part of Protect Your Identity Week, Cintas Corporation, national shredding partner for PYIW, is providing free document destruction at events nationwide with the goal of making the Guinness Book of World Records for the most paper shredded in a 24-hour period.

The BBB and NFCC would like to thank Intersections, Inc, a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard^® brand, for serving as a presenting sponsor of Protect Your Identity Week, and the Wireless Alliance, national electronic device recycling partner, for providing free cell phone disposal at many community events. Additionally, MSN Money is once again serving as the national media sponsor for PYIW.

A number of national organizations are also putting their weight behind this initiative, joining the NFCC and BBB as Supporting PYIW Coalition Members. This Coalition includes: American Bankers Association Education Foundation, American Financial Services Association 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, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

For more information or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322 or Alison Southwick with the BBB at 703-247-9376.

About National Foundation for Credit Counseling
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help four million consumers through more than 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit www.nfcc.org.

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB 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.

Foreclosure Rescue Scams Are Going Strong

9/15/2010

Posted on 9/15/2010 by

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.

From KFDM "Live at 5": Hotel Meeting Room and Street Corner Bargains

9/15/2010

Posted on 9/15/2010 by
It’s done all the time in southeast Texas! Companies and individuals conduct various kinds of bargain sales, business opportunity presentations and more -- in hotel meeting rooms and even on street corners. These “so-called bargains and get-rich opportunities” can pose special problems for consumers.

1. Is it legal for a company or individual to sell merchandise or offer business opportunities from a temporary location? It depends on the local municipality and their specific laws or ordinances . . . most, like City of Beaumont, provide open availability . . . get the owners permission . . . rent the space . . . Examples: tools, pottery, shoes, painting, art, purses, “velvet Elvis” . . . home-based business opportunities . . .

2. What are some of the special problems related to buying from these “bargain” opportunity merchants? Little or no time to check out the company’s business reputation . . . if merchandise or business opportunity proves to be faulty or misrepresented, the opportunist has left the area before an exchange can be made . . . beware of the “fine print” that may say “merchandise is reconditioned” or it may be counterfeit.

3. Where can consumers checkout a “bargain” merchant? Contact the BBB at (409) 835-5348 or (800) 685-7650 24 hours a day for a reliability/ratings report, or check them out online at or www.bbb.org . . . BUYER BEWARE!

From FOX4 and KSET: Who’s Skimming Your Credit Card?

9/13/2010

Posted on 9/13/2010 by

If you are like most people, when you use your credit card at a retail store or restaurant, you probably assume it’s in good hands. In fact, your card could be in the hands of a “skim artist.”

1. What is credit card “skimming,” and how is it done? Skim artists take temporary jobs . . . use small electronic device, known as a “skimmer” to capture your name, address, card number, credit limit, and more -- in just a few seconds . . . pay your bill they swipe card first through legitimate device and then, secretly, through the “skimmer” . . .

2. What do “skim artists” do with the information? Download the information . . . make a “clone” card which is sold, or used for their benefit . . . usually target gold or platinum cards because of higher limits . . . whole process gets cloned card on the street in less than a day . . . Victims don’t realize they were “skimmed” until they check their monthly statement.

3. What can we do to protect ourselves? Review your statements quickly and thoroughly . . . request a credit report on yourself twice a year . . . keep your eyes on your card at all times . . . contact the Better Business Bureau (409)835-5348 or (800) 685-7650, 24 hours a day, online at www.bbb.org for further information or assistance.

Scammers Target Job Hunters in Weak Economy

9/8/2010

Posted on 9/8/2010 by

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 Barry Goggin, President of the BBB serving northeast California. “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:

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

2- 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.

3- 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.

4- 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.

5- 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.

6- 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.

7- 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.

Find a Roofer You Can Trust

9/3/2010

Posted on 9/3/2010 by

Your home can take a serious beating when a big storm hits and finding a roofing contractor you can trust isn’t always easy. Storm chasers and other door-to-door salesmen often peddle dubious deals that can cost homeowners thousands of dollars and create serious headaches. The Better Business Bureau recommends doing your research to avoid getting ripped off by an untrustworthy roofer.

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 Alison Southwick, BBB spokesperson. “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.

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 professionals you can trust, visit us online at http://www.bbb.org/us/consumer-tips-home/.

CONSUMER ALERT: Lottery Winners Pay Attention Calls from 876 Area Code

9/2/2010

Posted on 9/2/2010 by

Lottery Winners

Pay Attention
Calls from 876 Area Code

The BBB reports numerous phone calls from area code 876 claiming you are the winner of a lottery and that the BBB was calling. Truth is:

· 876 area code JAMAICA is making scam calls.

· BBB’s aren’t involved with any lotteries and all international are illegal for US citizens to play anyway.

· Sending a “money gram or wire transfer” for $350 (or anything) to pay for stamps/tax/etc. in order to collect your $85,000 and a new car, “should be a red flag for anyone”.

“Using the BBB’s name or a government agency sounding name tends to trick people into thinking this could actually be real,” stated BBB CEO/President Michael Clayton. “Let’s pay attention, check out all offers at www.bbb.org and save us all from this obvious scam.”

From FOX4 and KSET: Steps to Take When a Collector Comes Calling for a Debt You Don’t Owe

9/2/2010

Posted on 9/2/2010 by

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 Alison Southwick, BBB spokesperson. “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.bbb.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.bbb.org.

For more information on taking control of your debt and managing credit effectively, check out BBB’s Managing Credit – Made Simpler.

Scammers Target Job Hunters in Weak Economy

8/31/2010

Posted on 8/31/2010 by

Scammers Target Job Hunters in Weak Economy, Warns Better Business Bureau

Stay safe on the hunt by looking for seven red flags

“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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

BBB recommends looking out for the following seven red flags when searching for a job:

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

Red Flag: The employer asks for money upfront
It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. 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.

For more information, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

BBB Warns about Phony Debt Collection Calls

8/30/2010

Posted on 8/30/2010 by

BBB Warns about Phony Debt Collection Calls

Scammers Targeting Central Texas Consumers

BBB warns consumers to beware of phony debt collection callers impersonating Kentucky-based payday loan company, US Cash Advance. Janiece Charlez of Temple, Texas reported to BBB she received a phone call from the alleged company, stating her husband had been turned in for collections.

“They called and said ‘your husband is in serious legal trouble’,” said Charlez. “They had his name, social security number, our address, his birthday and the name of our bank.”

The caller claimed Charlez needed to take care of an outstanding payday loan from 2009 or charges would be filed. She tells BBB her husband never took out a payday loan and the caller could not verify the exact date of the loan. Charlez refused to pay and called BBB for help.

BBB investigated Charlez’s complaint and she is not alone. The Cincinnati, Ohio BBB has received over 77 similar complaints. Click here for the online statement from US Cash Advance explaining that they are not involved with these phony collections or here for the BBB report on the impersonation scam. BBB is unable to identify the persons responsible for these calls at this time. If you have been a victim or have any further information, please call 409/835-5348 or 800/685-7650 immediately.

BBB offers the following advice to consumers who receive suspicious telephone calls about an outstanding debt:

· Demand proof. Ask the debt collector to provide official documentation which substantiates the debt.

· Avoid providing personal information. Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.

· Report all suspicious behavior. File a complaint with BBB or the Texas Attorney General’s Office if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.

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

From FOX4 and KSET: Street Corner and Hotel Bargains

8/30/2010

Posted on 8/30/2010 by

BE CAUTIOUS OF STREET CORNER

AND HOTEL BARGAINS

It’s done all the time in southeast Texas! Companies and individuals conduct various kinds of bargain sales on street corners and in hotel meeting rooms. These “so-called bargains” can pose special problems for consumers.

1. Is it legal for a company or individual to sell merchandise or offer business opportunities from a temporary location? It depends on the local municipality and their specific laws or ordinances; most, like City of Beaumont, provide open availability. Make sure to get the owners permission and/or rent the space. Examples: tools, pottery, shoes, painting, art, “velvet Elvis”, and home-based business opportunities.

2. What are some of the special problems related to buying from these “bargain” opportunity merchants? No time to check out the company’s business reputation . . . if merchandise proves to be faulty or misrepresented, the seller has left the area before an exchange can be made . . . beware of the “fine print” that may say “merchandise is reconditioned” or it may be counterfeit.

3. Where can consumers checkout a “bargain” merchant? Call the Better Business Bureau at (409) 835-5348 or (800) 685-7650 24 hours a day for a reliability/ratings report, or check them out online at or www.bbb.org . . . BUYER BEWARE!

From FOX4 and KSET: Automobile Repairs – Help or Horror??

8/23/2010

Posted on 8/23/2010 by

We all have heard the horror stories! We’ve all experienced the traumatic challenge that comes with automobile repairs. Who should we call? Can they be trusted? Will they do what they say needs to be done? What surprises can we expect? The BBB of Southeast Texas has some tips.

1. What are a few guidelines when selecting an auto repair shop?

Do it ahead of time (before the need even arises). Call the BBB for business reliability reports. Ask auto parts stores for their good customers, and ask friends and neighbors what shop they use.

2. What should you do before you agree to have the mechanic do the work?

Visit the shop and look around. What certifications does the shop have? (i.e. BBB, ASE) What type of warranty do they offer? How long have they been in business? Then, provide the symptoms of the problem and request a written estimate for repairs. Ask if the shop is certain that the suggested repairs will fix the problem.

3. What other suggestions would you make?

Leave your phone number on the work order, and indicate in writing that no additional work is to be done without calling you first for approval. After the work is done, drive the car before payment is made. Use a credit card if possible, which gives 30 days to dispute services if necessary with credit card company. Ask to see, or have, old parts to compare with new ones. And remember to contact the Better Business Bureau at (409) 835-5348 (800) 685-7650 www.bbb.org

Your Vacant Home May Not Be Insured

8/18/2010

Posted on 8/18/2010 by

If you moved and were unable to sell or rent out your house, you may be surprised to find that your homeowner’s insurance could stop covering it if it sits vacant for too long.

A recent news release by the National Association of Insurance Commissioners (NAIC) warns that you should check the fine print on your homeowner’s policy to see what happens if your home is vacant or unoccupied. “Vacant” means that you have moved out and taken your belongings with you, so the house is empty. “Unoccupied” means that nobody is staying at the home, but the furniture and other belongings remain.

NAIC says that insurers differ on how they cover vacant and unoccupied homes. Some policies might not cover claims if a home has been vacant for 60 days or more. Others might automatically shift to a different amount of coverage (e.g. liability insurance only) after a specific number of unoccupied days.

It makes sense that insurers would have concerns about an empty house. It’s at more risk for a break-in if it’s obvious that nobody’s living there. With nobody around to call 911 or a repairman, a problem like a small electrical fire or leak could turn into a big, expensive disaster. And there’s nobody around to supervise or keep others off the property.

NAIC President Jane Cline recommends that you check with your insurance company before you leave the house vacant and be honest about your situation. While an extra endorsement or vacancy policy may cost more, it could save you big bucks if something bad happens at the house when you are not there.

Beware of Fake Soldiers on Social and Dating Web Sites

8/18/2010

Posted on 8/18/2010 by

August 18^th, 2010 – Scammers pretending to be members of the military are wooing women on internet dating and social networking sites…but they aren’t looking for love – they are looking for money.

According to the U.S. Army Criminal Investigative Command, these scammers are using real military photos to create fake profiles and they have received hundreds of complaints in the last year about the scam. Some scammers have even used photos of military members that have passed away.

The Command reports that con artists build relationships with women and then start asking for money for things like internet use, phones, leave papers, money to enable them to come visit the victim, etc. Once the woman sends the money, they never hear from the man again.

“To systemize a scam based on someone’s pure emotion and admiration for our troops is extremely appalling,” said Michael Clayton, President and CEO of the BBB Serving Southeast Texas. “While the environment of online dating has become very popular, it has simultaneously become much too trusting.”

Many of these emails have been traced back to foreign cyber-cafes in Africa but the individuals operating these scams are difficult, if not, impossible to track down.

At least one local dating service has seen this scam on their radar so be careful when on such a Web site and never, ever send money to someone you’ve never met.

If you feel you may have been a victim of such a scam, report it to the Internet Crime Complaint Center: ic3.gov / 800-251-3221 and the Federal Trade Commission: ftc.gov / 1-877-438-4338.

# # # #

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

CARU Public Service Announcement Asks Parents: "Do You Really Know Where Your Children Are on the Internet?"

8/16/2010

Posted on 8/16/2010 by

New York, NY – August 11, 2010 –The Children’s Advertising Review Unit (CARU) of the Council of Better Business Bureaus, Inc., recently launched its first public service announcements, cautioning parents to be alert to their children’s activities on the Internet.

The PSAs can be viewed at: http://www.youtube.com/user/CARUSelfRegulation.

The spots feature Catherine Hicks, star of the family drama “Seventh Heaven,” and they recast the time-honored broadcast message “It’s 10 p.m. Do you know where your children are?” to reflect contemporary concerns about the privacy and safety of children on the Internet.

“As a learning tool, the Internet provides an amazing depth and breadth of information about the world. As an entertainment vehicle, it can offer experiences that are creative, engaging and fun,” said CARU Director Wayne J. Keeley. “But beyond the boundaries of age-appropriate Web content is territory that is far less benign. It is critical that parents know where their children go on the Internet.”

The PSAs feature three scenarios:

The first spot features young girls viewing an Internet fan-club site. One child calls out to her nearby parent, “Hey, Dad, what’s your credit card number?” “Credit card number?” asks the father, alarmed.
The second depicts young boys viewing a gaming site that requires registration. “Hey, Dad, what’s my Social Security Number?” says one child. “Social Security Number?” asks the worried father.
The third spot features girls viewing a social-networking site where one has just posted a questionable picture. As one girl says “I am glad my mother doesn't have an account,” her mother walks in, sees the picture and states, “We have to talk.”

In all three spots, Ms. Hicks asks the question: “Do you know where your children are on the Internet?”

The PSAs then direct parents to CARU’s Website, www.caru.org, where there is a wide range of information available to parents on Internet safety at CARU’s “Parents’ Corner.”

The PSAs are currently running:

On WABC-TV, which serves the largest market in the country – New York, New Jersey and Connecticut. The PSAs have been broadcast during Good Morning America, Rachel Ray and Live with Regis and Kelly and will continue to air.

“"WABC-TV is committed to the safety of the children in our community and airing this psa allows us to reinforce the importance of children's safety on the internet,” said Saundra Thomas Vice-President of Community Affairs.

On Discovery Kids’ “family-prime” evening programming which includes the shows “Timeblazers,” “Mystery Hunters” and “The Saddle Club.”

“The folks at the Hub and Discovery Kids are delighted to help CARU get this critical message out to parents; know where your children are... in the real world and the virtual world of the Internet,” said Margaret Loesch, President and CEO, The Hub.

CARU is the self-regulatory forum for the children’s advertising industry. CARU’s self-regulatory program sets high standards for the industry to assure that advertising directed to children is not deceptive, unfair or inappropriate for its intended audience.

CARU’s standards are embodied in principles and guidelines first adopted by CARU in 1975 and periodically updated to address changes in the marketing and media landscape. In addition to monitoring ads in all media for compliance with its guidelines, CARU staff also review Websites directed to children to assure compliance with CARU’s guidelines and the federal Children’s Online Privacy Protection Act (COPPA).

In the past three years, CARU has issued nearly 70 decisions on Website safety and online privacy; Internet-related cases account for one-third of CARU’s caseload. CARU’s decisions are available at www.narcpartners.org.

BBB advises public on fraudulent order confirmation e-mails

8/16/2010

Posted on 8/16/2010 by
Your BBB has received fraudulent order confirmation e-mails supposedly coming from Macy's. And the BBB|Minnesota and North Dakota has been informed consumers are receiving suspicious order confirmation e-mails purportedly from Zappo’s, an online shoe retailer and an Accredited Business with the BBB of Southern Nevada. And it's possible that other retailers are being spoofed in an attempt to steal consumers' identities or to install malware on their computer.

Your BBB has determined these e-mails are fraudulent and do not originate from either Macy's or Zappo’s. Consumers are advised not to click on any links in these e-mails and to contact Macy's or Zappo’s (or any other retailer) directly if you’ve placed an order recently and have questions about your bill.

In all likelihood, this is a phishing scam designed to steal passwords or install a virus or malware on users’ computers. Because the message is fraudulent, the BBB advises that anyone who receives this e-mail take the following steps:

Don't click on any links or reply to the message.
Completely delete the message from your inbox.
Run a full virus scan on your computer if you did click on any links.

If you ever have any questions about an e-mail you receive, caution is always the best approach. Start with bbb.org or call 409-835-5348.

VA issues new Yellow Ribbon college aid list

8/16/2010

Posted on 8/16/2010 by
More than 1,100 private and public schools have signed agreements with the Veterans Affairs Department to reduce tuition for student veterans in the coming school year as part of the Post-9/11 GI Bill’s “Yellow Ribbon” program, VA announced Wednesday.

Under this program, VA matches dollar-for-dollar any reduction in fees charged to GI Bill students if tuition and fees exceed the reimbursement rate in the state where the school is located. Because schools can have more than one Yellow Ribbon agreement, VA officials said a total of 3,200 agreements are in effect for the 2010-11 school year.

That is about the same number of schools and total agreements that were in place for the 2009-10 year.

Read more:
http://www.navytimes.com/news/2010/08/military_VA_gibill_yellowribbon_080410w/

From FOX4, KSET, and KFDM 'Live at 5': Back to School Shopping Tips

8/9/2010

Posted on 8/9/2010 by

The first day of school is a celebration of all-things-new: new shoes, new clothes, new school supplies, new computers. New things are great, until they don’t work, or they’re the wrong color, or the wrong size, or you have one too many. A savvy back-to-school shopper keeps her or his receipts and makes sure they know each store’s return policies — just in case. Here are some tips to keep in mind when back to school shopping.

• Returns: A store is not legally required to accept items for refund, exchange or credit unless the merchandise is defective or was misrepresented. Look for the store’s return/exchange policy.

• Packages: Keep item in its original box. Be aware that some companies may charge restocking fees.

• Sales/Clearance Items: Don’t assume the regular return policy applies to sales or clearance items.

• Online: Look for a posted return policy. If returns are permitted, be sure to print a copy of procedures and timeframe.

• Receipts: If you’ve lost the original receipt, some stores offer a merchandise credit.

• Expensive items: ask about the warranty--how long it’s in effect and what it covers. Weigh the pros and cons to an extended warranty plan.

• "Serial Returners": Often times companies keep track of your returns. Too many returns, and you may be put on a blacklist.

For more trustworthy advice, go to bbb.org. Visit us on Facebook and Twitter!

You Too Can Donate Like a Billionaire

8/5/2010

Posted on 8/5/2010 by

BBB Wise Giving Alliance recommends donors research charities fully before they give—just like the billionaires do

August 5, 2010 - Arlington VA - Forty billionaires have pledged to donate a substantial portion of their wealth to charity with the hope of inspiring others to donate to worthy causes as well. While the dollar amount might be less, the BBB Wise Giving Alliance encourages everyone to give like a billionaire by researching any charity fully before making a donation.

“Every experienced philanthropist has a thorough process for vetting charities in order to determine which worthy causes will be able to stretch their dollar the farthest,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “While we aren’t all billionaires, we can all give like one. Evaluating the effectiveness of a charity is more than just looking at the fundraising and administrative costs. Transparency, impact, and accountability are also important factors that everyone should consider before they give.”

The BBB Wise Giving Alliance recommends the following five steps to give like a billionaire:

Take the time to check the organization out with the BBB Wise Giving Alliance and the local charity registration office (usually a division of the state attorney general's office). Don’t be pressured to give before you do your research.
Consider more than just the charity’s finances. Impressive financial ratios are not a guarantee that a charity is being run ethically and effectively. Review the BBB’s Standards for Charity Accountability to identify fundamental features of an accountable organization.
Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization. Sometimes name similarity is used as a ruse to confuse the potential donor.
Watch out for appeals that focus solely on a problem but don’t clearly explain what the charity intends to do about it. The charity’s intended program activities should be spelled out.
If you want to consider donating to a newly established charity, take the time to review the charity’s program plans including its board approved budget. Make sure that it has the capacity to be able to follow through on its intended objectives.

For more advice on or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Alison Southwick at 703-247-9376, or asouthwick@council.bbb.org

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

New FTC Regulations Protect Consumers from Debt Relief Companies

8/5/2010

Posted on 8/5/2010 by

New FTC Regulations Protect Consumers from Debt Relief Companies

September and October 2010 Changes Will Prohibit Advance Fees and Misrepresentations

August 4, 2010 – The Federal Trade Commission recently announced amendments to the Telemarketing Sales Rule which will prohibit for-profit companies that sell debt relief serves over the phone from collecting any advanced fees prior to settling or reducing debt. These new regulations offer consumers additional protections when trying to reduce credit card or other unsecured debt.

This year, BBB has processed over 2,600 complaints nationwide against debt relief companies, which include credit counseling, debt settlement and debt negotiation services. Generally, consumers allege companies in these industries may charge large advance fees, fail to reduce debts, or misrepresent their services.

On October 27, 2010, for-profit debt relief companies who make telemarketing calls, or are called by a consumer in response to debt relief advertising, are prohibited from collecting advance fees for their services. Companies can only charge their customers after:

1. There is a written agreement between the consumer and their creditor;

2. The company successfully renegotiates, settles, reduces or otherwise changes the terms of at least one of the consumer’s debts;

3. The consumer makes at least one payment to their creditor after the successful negotiation or settlement.

In addition, on September 27, 2010, three other Telemarketing Sales Rule provisions will take effect. These provisions will:

· Require companies to disclose to consumers how long it will take to see results, how much their service costs and any negative consequences that could occur;

· Prohibit companies from misrepresenting their success rate or claiming they are non-profit;

· Extend the Telemarketing Sales Rule to cover calls consumers make to these companies in response to advertising.

The FTC also set aside guidelines for dedicated accounts, which many debt relief companies previously required their customers to pay into while they negotiated or settled their debt. Under the new regulations, these companies can only require dedicated accounts if:

1. The account is maintained at an insured financial institution;

2. The consumer owns the funds, including interest;

3. The consumer can withdraw the funds at any time without penalty;

4. The financial institution has no affiliation with the debt relief company;

5. The financial institution does not exchange referral fees to the debt relief company.

The FTC has created a guide for debt relief companies to help them comply with the new regulations. Before seeking help from a debt relief company, BBB recommends consumers:

· Research the company with BBB - Find out how many complaints it has received, how the firm responded to complaints and whether there are any government actions or lawsuits against the company.

· 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 trustworthy businesses, visit BBB.

From Fox4 and KSET: Complaints to BBB about Satellite TV Reveal Common Customer Grievances

8/3/2010

Posted on 8/3/2010 by

Before signing up with a satellite provider, read the contract closely to avoid unexpected charges

In the past three years, more than 53,000 customers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DirecTV and 13,000 filed against Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

“Many complaints to BBB about satellite providers stem from steep cancellation fees,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “If customers aren’t satisfied with their service or they can’t afford the cost after the introductory period, it isn’t that easy to cancel because the early termination fees can run into the hundreds of dollars.”

Following are examples of common complaints BBB receives about satellite TV providers:

Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.
Introductory Offers – Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.
Billing issues – Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.
Service issues – Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.
Upgrades Resulting in Contract Extension - Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, BBB recommends that customers:

Get it all in writing – Don’t just take a salesman, installer or customer service representative’s word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.
Read the terms and conditions carefully – Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.
Check every bill closely – The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.
Mark your calendar – Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.
File a complaint with BBB – Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with your BBB. Both Dish Network and DirecTV consistently respond to complaints and BBB has been able to help consumers receive refunds in many cases.

For more information, check out bbb.org, or call 409-835-5348.

Seven Ways for College Students to Fight Identity Theft

7/30/2010

Posted on 7/30/2010 by

College students have enough to juggle when it comes to school, work and their social life and fighting fraud often doesn’t make the list of priorities. Because college students are so susceptible to identity theft, Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

According to the 2010 Identity Fraud Survey Report released by Javelin Strategy and Research, more than 11 million people became victims of identity theft in 2009. Young adults aged 18-24 took the longest to detect identify theft—132 days on average—when compared to other age groups. Subsequently the average cost ($1,156) was roughly five times more than amount lost by other age groups.

“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 Michael Clayton, BBB President and CEO in Southeast Texas. “Young adults that establish good habits for monitoring and detecting fraud are laying a path that will help create a healthy financial road for the rest of their lives.”

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

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

Important documents should be stored under lock and key—such as in a filing cabinet. This includes social security card, passport and bank and credit card statements. Shred any paper documents that have sensitive financial information rather than just tossing them out. Also shred any credit card offers that come in the mail.

Never loan your credit or debit card to anyone, even if they are a friend. Also just say no if your friend wants you to cosign for a loan or financing for items like a TV.

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

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

When shopping on unfamiliar websites, always check the company out first with BBB online. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

For more advice on fighting fraud and managing personal finances visit us online at http://southeasttexas.bbb.org/consumer-tips-finance/.

Beware of Deceptive Auto Loan Modification Offers

7/30/2010

Posted on 7/30/2010 by

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

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

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

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

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

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

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

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

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

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

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

Three Easy Steps to Dispose of Office Electronics the Safely

7/30/2010

Posted on 7/30/2010 by

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

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

“When tossing old electronics you need to consider both the environmental and data security concerns,” said Michael Clayton, 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 http://southeasttexas.bbb.org/Find-Business-Reviews/. 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

BBB "Morning Mix Tour" to Port Bolivar April 12

7/30/2010

Posted on 7/30/2010 by

Hosted by Swede’s Beach Properties

The Bolivar Peninsula region will be the next stop on the "BBB Morning Mix Tour"! Set for Thursday, April 12, the event will be hosted by Swede’s Beach Properties at Coconuts Restaurant (1021 Highway 87 in Port Bolivar). It will be the fourth of 13 area Better Business Bureau sponsored get acquainted and informative gatherings to be held in 2012 across Southeast Texas from 7:30AM until 9:00AM.

The "BBB Morning Mix Tour" will provide a complimentary continental breakfast, a great opportunity to network with other business leaders in the area, and to learn more about the mission and services of the Better Business Bureau. It's all FREE!

Please RSVP to (409) 835-5951 x117, or
debbiebridgeman@bbbsetexas.org if you plan to attend.

Future Stops in 2012:

June 14 in Silsbee at Pine Arbor Healthcare Center

June 28 in Beaumont at KBMT 12 News HD

**If you’d like to be a host, let us know!

To see photos, visit: http://www.facebook.com/media/albums/?id=30670389968

Watch Out For Common Scams Targeting Seniors

7/30/2010

Posted on 7/30/2010 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--already 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 Micheal Clayton, President/CEO of BBB in Southeast Texas. “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 three scams that commonly target senior citizens:

Sweepstakes and Lottery Scams –Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

BBB Advice: Never wire money to someone you don’t know. You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice – Find professionals you can trust by checking out BBB’s directory of Accredited Businesses. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: www.bbb.org/us/consumer-tips-scams/

FTC Settlement Bans Deceptive Mortgage Sellers

7/30/2010

Posted on 7/30/2010 by
Recent Federal Trade Commission settlements banned eight marketers from selling mortgage modification or foreclosure relief services, according to the organization's press release.

The FTC alleged the marketers charged homeowners up-front fees and falsely promised they could get mortgage loans modified or prevent foreclosures. The settlements in three separate actions are part of the FTC’s ongoing efforts against scams that target financially distressed consumers.

Read more about the cases on the FTC press release.

From KSET and FOX 4: Differences Between Debt Consolidation, Debt Negotiation and Debt Elimination

7/26/2010

Posted on 7/26/2010 by

Consumers are bombarded every day with ads and e-mails offering services to manage or reduce debt and it’s hard to know which offer will work for them, let alone if the company can be trusted.

1. Explain the difference between Debt Negotiation, Consolidation, and Elimination …

Debt negotiation companies claim that they will negotiate with a consumer’s lenders to lower the total amount of debt owed for an upfront fee.

Debt consolidation companies offer to roll up various debts allowing the debtor to make one lower payment to the company, rather than many payments to the different lenders.

Debt elimination companies typically provide, for an upfront fee, a document for the lender that supposedly absolves the consumer of the debt.

2. Advice for consumers BEFORE enlisting the help of a business to manage debt …

Stay in contact with lenders and try to work out a plan with them first before enlisting outside help.
Always check the company out first with BBB.
Start with a credit counseling service. Credit counseling services are often nonprofits that offer financial guidance for a small fee, or even for free.
Beware of offers that sound too good to be true. There is no easy fix for reducing debt and any company that makes huge claims and guarantees, probably can’t deliver.

3. What about more advice on dealing with debt and managing a budget??
For more trustworthy and timely advice, check out our credit tips at bbb.org.

New Overdraft Rules for Debit and ATM Cards Explained

7/22/2010

Posted on 7/22/2010 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.

Beware of UN Job Scams

7/22/2010

Posted on 7/22/2010 by

Getting out of the military soon? Thinking of applying for a job with the United Nations (UN) using the job and language skills you picked up during your deployments? Well, there are scammers who hope you will!

According to a July 12th, 2010, press release http://www.un.org/News/Press/docs//2010/l3161.doc.htm from the UN’s Department of Public Information, there have been a number of scams recently misusing the UN’s name and emblem on correspondence, Web sites and emails circulating worldwide. As always with scams, the intent is to acquire money and/or personal information from those who take the bait.

The UN wants the public to know that:

If you are looking for a job with them, they do not charge a fee at any stage of their recruitment process. Every job opening at their job site http://careers.un.org/UNCareers/tabid/65/language/en-US/Default.aspx has the following statement: “The United Nations does not charge a fee at any stage of the recruitment process (application, interview meeting, processing, training or any other fees). The United Nations does not concern itself with information on bank accounts.”
The UN does not request information from individuals about their bank accounts or other private information.
The UN does not offer jobs, prizes, awards, funds, certificates or scholarships through unsolicited email, mail, fax or phone calls. Officially authorized UN offers would be communicated only through official channels. The UN does not conduct lotteries or compensate victims of fraud.

For a more complete list of scams, read the UN warning http://careers.un.org/UNCareers/tabid/65/viewtype/SCAM/language/en-US/Default.aspx posted on their job site. If you have been a target or a victim of a UN-related scam, they suggest you report the scam to national law enforcement agencies for appropriate action. You can also file a complaint at www.bbb.org.

Your Cell Number is not Going Public

7/22/2010

Posted on 7/22/2010 by

Have you gotten an email forwarded to you by one of your friends lately saying that one day very soon the list of all cell phone numbers is going to go public and you will be spammed by unwanted sales calls? Actually, it’s not going to happen.

There are some rumors that just will not die, and this is one of them. Since at least 2004 there’s been an email making the rounds that says that all cell phone numbers are about to go public and be released to telemarketers. According to the email, you will be spammed by sales calls (and they will go on your cell phone bill) unless you call a special number at the national Do Not Call (DNC) Registry to get your cell phone number blocked for the next 5 years.

So, what’s the real deal? Well, there is a national DNC Registry, and there’s no harm in registering your cell phone number on it, but there is NO national release of cell phone numbers scheduled or planned. According to the Web site snopes.com, this rumor started several years ago when some of the major wireless companies planned to create a 411 national directory. In the end, the directory never happened – but the rumor that it’s out there and telemarketers will soon have access to it just won’t go away.

The Federal Trade Commission (FTC) has a special Web page http://www.ftc.gov/opa/2007/02/dnccellphones.shtm about this story-that-will-not-die. On it they say that:

Cell phone numbers are NOT being released to telemarketers, and you will NOT soon be getting telemarketing calls on your cell phone.
There is NO deadline to register your cell phone number with the DNC Registry.
Telemarketers are not allowed to use automated dialers to call cell phone numbers. Since that’s what most of them use, they wouldn’t be calling your cell phone number even if they had it.
There is only one DNC Registry. There is no separate one for cell phones. The DNC Registry registers both cell phones and land lines. You must call from the phone number that you want to register. If you register online, you must respond to a confirmation e-mail.
And, by the way, in 2007 the FTC got rid of the 5-year expiration date on DNC registries. So once your number’s registered, you won’t have to renew it.

To put your phone number in the DNC Registry, go to www.donotcall.gov or call toll-free, 1-888-382-1222. But there’s no need to panic if you don’t get around to it today.

Changes to US Miliatary Savings Bond Program

7/22/2010

Posted on 7/22/2010 by
The Army Times reported last week that military personnel who have an allotment to buy U.S. savings bonds with their pay must take a couple of steps before the U.S. Savings Bond Payroll Savings Plan goes all electronic by the end of August. Read the full Army Times article here.

BBB and WOMMA Present Free Webinar Series

7/22/2010

Posted on 7/22/2010 by

The Better Business Bureau and Word of Mouth Marketing Association present the new webinar series "Compliant & Successful - Aligning Marketing & Legal Around Word of Mouth & Social Media Marketing." Webinars will be held July 29, August 3, and August 5 at 1:00 PM - 2:00 PM CDT. For more information and registration: http://wommabbb.eventbrite.com/.

Today’s social media environment is forcing even the most progressive companies to re-think how to meet changing legal/regulatory requirements while addressing the real time needs of their customers and consumers.

For many companies, establishing best practices, policies and protocols are lagging in the wake of the consumer controlled social web. WOMMA, the Better Business Bureau (BBB) and the National Advertising Review Council (NARC) are presenting a three-part webinar series titled: Compliant and Successful: Aligning Marketing and Legal Around Word of Mouth and Social Media.

With an emphasis on building better legal frameworks, communication policy governance, regulatory guidance leadership, and good decision making in social marketing environments, experts from each of the three organizations will share tactics and techniques into how to best manage, adapt to and meet the challenges of today’s ever shifting marketing landscape.

Webinar 1: Overview of Legal and Ethical Compliance: Understanding and Capitalizing on the Changing Marketing and Trust Landscape. July 29 at 1pm CST.

Key Takeaways:

Understand the foundation of regulatory issues
Learn how the FTC’s Guide on testimonials and endorsements affect your marketing efforts
Review how the WOMMA Ethics Code provides the framework in trust development

Webinar 2: Striking the Balance Between Legal and Marketing: What You Need to Know to Exceed Expectations in this Evolving Landscape . August 3 at 1pm CST

Key Takeaways:

Comprehend the new relationship between marketing and legal
Discover how marketing and legal can work together to stay compliant
Obtain practical knowledge on best practices in staying compliant and remaining timely and effective in your marketing efforts.

Webinar 3: What is on the Horizon: Privacy, Regulated Industries, Marketing to Children and More. August 5 at 1pm CST

Key Takeaways:

See how the future of privacy effects your future marketing plans
Gain insights into how regulated industries are adapting to today’s marketing landscape
Understand why marketing to children is a hot button issue for regulators and what changes in marketing compliance are forthcoming.

The webinar series is co-sponsored by the Word of Mouth Marketing Association.

About WOMMA

WOMMA, http://WOMMA.org, is the leading trade association in the marketing and advertising industries that focuses on word of mouth, consumer-generated and social media platforms including marketing techniques such as buzz, viral, community, and influencer marketing, as well as brand blogging. The organization is committed to developing and maintaining appropriate ethical standards for marketers, identifying meaningful measurement standards and defining "best practices" for the industry.

Founded in 2004, WOMMA has approximately 300 member companies. They include marketers and brands that use word-of-mouth marketing to reinforce their core customers and to reach out to new consumers, agencies that deliver word-of-mouth services and technologies, researchers that track the word-of-mouth experience and offline and online practitioners.

Medicare Rebate Scam

7/19/2010

Posted on 7/19/2010 by

Recent calls to the BBB from senior citizens point to individuals or companies using the Medicare rebate as a tool to gain appointments and get information from senior citizens.

Companies or con artists may contact senior citizens and lead them to believe that in order to receive the tax free rebate they must provide additional information. These companies may be attempting to sell you their drug policy or, worst case scenario, may be con artists planning to use your information to take money and steal your identity.

President Obama signed the Affordable Care Act in 2010 which provides a $250 tax free rebate to seniors on Medicare who have prescription drug coverage. This coverage may be through Medicare Extra Help or provided through another Medicare approved provider. The gap or sometimes referred to as a “donut” is the point when the individual has reached a point in the plan where coverage stops and they pay out of pocket until the expenses reach a point that the plan will again pay. At that point a rebate check will be mailed to the participants.

Medicare announced in May 2010 an urgent warning not to give out any information due to the fact that no action is necessary to receive the money. If a Medicare recipient is in the plan, the pharmacy records will automatically “trigger” the rebate and a check made out in the participants name will be sent within 45 days.

“Any company or individual that is telling you that you must first fill out paperwork, meet with them, or buy their policy is using the rebate as a deceptive way to solicit business or steal your identity” said, Michael Clayton, President/CEO of the BBB in Southeast Texas.

Callers are telling the BBB they are asked to meet with someone for the purpose of getting the rebate. Already many states Attorneys General have issued similar warnings to this BBB warning. If you are approached by phone for an appointment, know that it is not necessary to give out any information or purchase a policy to receive the check. You may report information about the caller such as name, name of company, phone number and address to the BBB at (409) 835-5348 or (800) 685-7650 and also Medicare at 1-800-633-4227.

From FOX 4 and KSET: Work-at-Home Scams Grow in Tough Economic Times!

7/19/2010

Posted on 7/19/2010 by

Southeast Texans are bombarded on-line and off-line with “work-at-home” opportunities. Email, postal mail solicitations, street corner signs, and more promote jobs and income that are apparent to be “too good to be true.”

What are some examples of work-at home income opportunities?

· PROCESSING MEDICAL INSURANCE CLAIMS: Typical Ad -- "You can earn from $800 to $1000 weekly processing insurance claims on your home computer for health care professionals such as doctors, dentists chiropractors, and podiatrists. Over 80% of providers need your services. Learn how in one day!"

· ASSEMBLY WORK AT-HOME: Typical Ad -- "Assembly work at home! Easy money assembling craft items. No experience necessary."

· CHAIN LETTER: Typical Ad -- "Make copies of this letter and send them to people whose names we will provide. All you have to do is send us ten dollars for our mailing list and labels. Look at the chart below and see how you will automatically receive thousands in cash return!!!"

· ENVELOPE STUFFING: Typical Ad -- "$350 Weekly Guaranteed! Work two hours daily at home stuffing envelopes."

· ONLINE BUSINESS: Typical Ad -- "Turn your Home Computer into a Cash Machine! Get computer diskette FREE! Huge Selection of Jobs! No experience needed! Start earning money in days! Many companies want to expand, but don’t want to pay for office space. You save them money by working in the comfort of your home."

· INTERNET SALES: Typical Ad -- "Our products make it possible for people like you to earn more than they ever have in their lives! Soon you can let others earn money for you while you and your family relax and enjoy your affluent lifestyle! No experience necessary."

2. What warning signs should we look for?

· Overstated claims of product effectiveness
· Exaggerated claims of potential earnings
· Claims of “inside” information
· Requirements for money for instructions or merchandise before telling you how the plan operates
· States that no experience is necessary

3. What should you do if you are a victim?

If you become a victim of a work-at-home scheme, ask the company for a refund. If they refuse or give you an evasive response, tell them you plan to notify law enforcement officials.

Keep careful records of everything you do to recover your money. Document your phone calls, keep copies of all paperwork such as letters and receipts, and record all costs involved, including the time you spend. If the company refuses to refund your investment, contact:

Your local Better Business Bureau;
Your local or state consumer affairs agency;
The U.S. Postal Inspection Service;
Your state’s attorney general's office or the office in the state where the company is based;
The advertising manager of the publication that ran the ad you answered.

Contact the BBB 24 hours a day for more information at (409) 835-5348 or (800) 685-7650 or www.bbb.org

From KFDM "Live at Five": Teach Your Kids How to Stay Safe on Social Networks

7/14/2010

Posted on 7/14/2010 by

The popularity of social networking continues to grow among kids. The number of users on Facebook that are between the ages of 13 and 18 grew by 88% in 2009 to 10.7 million. Social networking sites can provide a secure way for kids to connect with each other, but they can also be exploited for any number of nefarious purposes. Debbie Bridgeman, Communications Director for the BBB, has tips for parents who want to help keep their kids safe online.

Explain the Difference Between Sharing and Oversharing – While social networking is about sharing photos, thoughts and experiences, explain to your kids that they should never share personal information such as phone numbers, address, bank account numbers, passwords or their Social Security numbers.

“Never talk to strangers” applies online too – Even though chatting with a stranger online can seem harmless, the relationship can evolve and grow until the stranger has earned your child’s trust—and can then exploit it.

Set strict privacy settings – Talk to your child about restricting access to his or her profile to only friends or users in safe networks such as their school, clubs or church groups.

Keep the channels of communication open – Let your kids know that you are always ready to talk if they are ever threatened, bullied or feel uncomfortable about an experience they had online.

Join them online - If you haven’t already, set up your own account in the same social networks. This will help you better understand what social networking is all about.

More information: www.onguardline.gov or www.bbb.org (409) 835-5348 or (800) 685-7650

Increase Your Chances of Getting a Small Business Loan

7/14/2010

Posted on 7/14/2010 by

Beaumont, TX - Finding funding to start a business or bolster an existing one has been more difficult than usual lately. While the economy improves, banks are still reticent about lending to small business owners and Better Business Bureau recommends developing a solid business plan to earn the bank’s trust and increase your chances of landing a loan.

According to a recent survey by the Federal Reserve, small business owners are still having a hard time getting loans. Only 2 percent of banks surveyed had loosened their standards for making commercial and industrial loans which was equal to the number of banks that had tightened their standards further.

“Any steps you can take to make your loan seem less risky will ease the bank’s fears about lending to you and increase your chances of getting financing,” said Michael Clayton, President and CEO of BBB in Southeast Texas. “This includes creating a comprehensive business plan and devising a solid strategy to pay the bank back.”

To increase the chances of getting a loan, BBB recommends that small business owners and entrepreneurs:

Talk to the U.S. Small Business Administration (SBA) or its free counseling partners. Studies show that talking to a counselor or lender relations specialist can help increase your chances of getting a small business loan. The SBA has lender relations specialists who work at field offices in every state. The SBA’s partners can also help. They include about 900 Small Business Development Centers at colleges and universities, about 100 Women’s Business Centers and a network of about 10,000 retired executives (called SCORE) who mentor entrepreneurs and small business owners. Generally, all of these counseling and training services are free.

Review Your Credit Report. Lenders will take into consideration your personal credit history and if your report has any errors it could affect your chances of getting the loan. You can check your credit report once a year with the three major reporting bureaus—Transunion, Experian and Equifax-- at www.annualcreditreport.com. If you find errors, contact the reporting bureau to set the record straight.

Create a Comprehensive and Professional-Looking Business Plan. Lenders want to know that you have done your research, considered your risks and the current climate for opportunity and planned for the future. Thoughtfully and thoroughly explain how much money you need and how you’ll use it. Put care into the final product, not only in the content, but also how it looks. You want to put your most professional foot forward and that means preparation, attention to detail and a polished presentation.

Show that you’re personally invested. If you have money invested in your own business, it will show the lender that you are personally dedicated to the success of the venture.

Plan to pay it back. Banks are in the business of making money. To that end, they want to know that you have a solid plan for paying back the loan and can also provide enough collateral to cover the loan if the business fails.

Start with who you know. If you already have a good relationship with your personal bank, start your search there. Ideally, your lender also works with the SBA—which will widen your loan options. Don’t rule out the possibility of getting a loan from a smaller local bank.

For more advice you can trust on managing your business visit: http://southeasttexas.bbb.org/Business-Resources/

BBB Advice to Increase Your Chances of Getting a Small Business Loan

7/13/2010

Posted on 7/13/2010 by
Finding funding to start a business or bolster an existing one has been more difficult than usual lately. While the economy improves, banks are still reticent about lending to small business owners and Better Business Bureau recommends developing a solid business plan to earn the bank’s trust and increase your chances of landing a loan.

According to a recent survey by the Federal Reserve, small business owners are still having a hard time getting loans. Only 2 percent of banks surveyed had loosened their standards for making commercial and industrial loans which was equal to the number of banks that had tightened their standards further.

“Any steps you can take to make your loan seem less risky will ease the bank’s fears about lending to you and increase your chances of getting financing,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “This includes creating a comprehensive business plan and devising a solid strategy to pay the bank back.”

To increase the chances of getting a loan, BBB recommends that small business owners and entrepreneurs:

Talk to the U.S. Small Business Administration (SBA) or its free counseling partners. Talking to a counselor or lender relations specialist can help increase your chances of getting a small business loan. The SBA has lender relations specialists who work at field offices in every state. The SBA’s partners can also help and include about 900 Small Business Development Centers at colleges and universities, about 100 Women’s Business Centers and a network of about 10,000 retired executives (called SCORE) who mentor entrepreneurs and small business owners. Generally, all of these counseling and training services are free.

Review Your Credit Report. Lenders will take into consideration your personal credit history and if your report has any errors it could affect your chances of getting the loan. You can check your credit report once a year for free with the three major reporting bureaus—Transunion, Experian and Equifax-- at www.annualcreditreport.com. If you find errors, contact the reporting bureau to set the record straight.

Create a Comprehensive and Professional-Looking Business Plan. Lenders want to know that you have done your research, considered your risks and the current climate for opportunity and planned for the future. Thoughtfully and thoroughly explain how much money you need and how you’ll use it. Put care into the final product, not only in the content, but also how it looks. You want to put your most professional foot forward and that means preparation, attention to detail and a polished presentation.

Show that you’re personally invested. If you have money invested in your own business, it will show the lender that you are personally dedicated to the success of the venture.

Plan to pay it back. Banks are in the business of making money. To that end, they want to know that you have a solid plan for paying back the loan and can also provide enough collateral to cover the loan if the business fails.

Start with who you know. If you already have a good relationship with your personal bank, start your search there. Ideally, your lender also works with the SBA—which will widen your loan options. Don’t rule out the possibility of getting a loan from a smaller local bank.

For more advice you can trust on managing your business visit: http://www.bbb.org/us/Business-Resources/. In Southeast Texas, call 409/835-5348 or 800/685-7650.

From FOX 4 and KSET: Credit Repair Offers

7/12/2010

Posted on 7/12/2010 by
If you are having credit problems, you have enough challenges without being fooled by fraudulent credit repair offers. They say they can help you, but can they? And what about that up-front fee they require? The BBB has some tips to share for repairing your credit.

1. What credit repair offers should consumers watch out for?

The following should raise a red flag:

They can create a new credit file or report.
They can erase your bad credit information.
They want to charge an up-front fee to help restore your credit rating. (After you pay them hundreds of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.)

2. Well then, how can a consumer repair a bad credit report?

In general, time is the only thing that can “fix” accurate negative information on your credit report. Information can only be changed if items are actually wrong, or beyond the 7 (or 10) year reporting period, required under federal law.
Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act, you're entitled to a free credit report every 12 months from each of the nationwide consumer reporting companies, which can be done at www.annualcreditreport.com. Once you obtain your report, you can tell the consumer reporting company in writing what information is inaccurate. More information on how to repair a bad credit report can be found here: http://southeasttexas.bbb.org/FTC-Consumer-Articles/Credit-Reports/

3. Are there measures to improve your chances of receiving credit in the future?

Pay your bills on time.
If having difficulties, contact creditors and request a reduced payment plan.
Contact a reputable credit counseling organization. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you would like more information on what you can do, click here.

For More information: contact the Better Business Bureau 24 hours a day at (409) 835-5348 or (800) 685-7650 or www.bbb.org.

BBB Wise Giving Alliance Releases Top Reasons Charities Fail to Meet Its Standards

7/9/2010

Posted on 7/9/2010 by

Arlington, VA - July 7, 2010 – The BBB Wise Giving Alliance today released a list of standards that national charities most commonly fail to meet when being evaluated by the Alliance against its 20 Standards for Charity Accountability.

This analysis by the Alliance shows that insufficient transparency, inadequate board activity and the lack of assessment of charity effectiveness account for the most failures in compliance.

“The good news is that well over half of the national charities we review meet all of the BBB charity standards. Unfortunately, it’s evident that many charities have more work to do to satisfy the expectations of donors,” said Art Taylor, President and CEO of the BBB Wise Giving Alliance, “Disclosure, effective governance and accountability are important indicators of a charity’s commitment to donors and the causes they serve.”

The BBB Wise Giving Alliance evaluation of the charities that provided requested information during the past two years found that more than 56 percent met all 20 Standards for Charity Accountability. Charities in the remaining 44 percent did not meet one or more of the standards. The following are the most frequent deficiencies that were found:

Annual Reports
BBB Standard: Have an annual report available to all, on request, that includes recommended program, governance and financial disclosures.

40 percent of charities that did not meet one or more standards either did not produce an annual report or provided one that that did not include all of the recommended information.

Effectiveness Policy
BBB Standard: Have a board policy of assessing, no less than every two years, the organization’s performance and effectiveness and of determining future actions required to achieve its mission.

36 percent of charities that did not meet one or more standards lacked the recommended board policy for periodic self-assessment.

Effectiveness Report
BBB Standard: Submit to the organization’s governing body, for its approval, a written report that outlines the results of the aforementioned performance and effectiveness assessment and recommendations for future action.

35 percent of charities that did not meet one or more standards either had not completed an effectiveness assessment or did not provide its board with a written report on the results of the assessment.

Board Meetings
BBB Standard: A minimum of three evenly spaced meetings per year of the full governing body with a majority in attendance, with face to face participation. (One of these meetings can be a conference call of the full board.)

31 percent of charities that did not meet one or more standards had charity boards that met less than three times per year or lacked a majority attendance.

Web site Disclosures
BBB Standard: Include on any charity websites that solicit contributions, the same information that is recommended for annual reports, as well as the mailing address of the charity and electronic access to its most recent IRS Form 990.

31 percent of charities that did not meet one or more standards had websites that did not include access (such as a link) to the group’s most recent IRS Form 990 and/or did not include other recommended information.

“All charitable organizations should recognize the importance of charity accountability: strong governance, public access to basic information and periodic self-evaluations of the organization’s impact,” said Taylor. “The silver lining to this cloud is that many charities have shown us that after the issues are brought to their attention they have been able to take steps to meet these standards.”

The BBB Standards for Charity Accountability, which were last revised in 2003 after a three-year project that involved extensive input from the charitable community, are used by the Alliance in preparing evaluative reports on over 1,200 nationally soliciting charities. There is no charge to the charity for the accountability assessment and the resulting reports are available to the public free on the www.bbb.org/charity website.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Alison Southwick at 703-247-9376.

BBB Warns Consumers of Weight-Loss Schemes that Only Make Your Wallet Lighter

7/7/2010

Posted on 7/7/2010 by

Beaumont, TX, July 6, 2010 – Better Business Bureau is warning consumers that the number of complaints to BBB against weight-loss services and their various policies, procedures and products has increased by more than 40 percent since 2002, and many weight-loss schemes are only making consumers lighter in their wallets.

According to the Centers for Disease Control and Prevention (CDC), more than a third (34 percent) of U.S. adults aged 20 and over are obese. And a year-end survey conducted by the Federal Trade Commission (FTC) found an estimated 4.8 million Americans were taken in by dozens of weight-loss schemes that involved purchasing bogus pills, powders, patches, creams and other products, all of which added up to make fat-fighting fraud the most common consumer scam in 2007.

“Losing weight consistently ranks as one of the top New Year’s resolutions and many people will be looking for fast, easy fixes to get them back into their favorite pair of jeans,” said Michael Clayton, President/CEO of BBB serving all of Southeast Texas. “Unfortunately, an increasing number of consumers are telling us about weight-loss products and programs that made a big dent in their bottom line but had no effect on their waistline.”

To emphasize the very real need for consumers to start their weight-loss research with trustworthy advice, following are examples of companies that BBB has rated as unsatisfactory due to their empty promises and unscrupulous business practices:

Fraudulent Clinical Trials

BBB serving Denver and Boulder has received complaints from consumers in six states who thought they were paying to take part in medical trial tests for a new weight-loss drug. The company, Metacor — also known as Progenics, Inc. — is advertising on the Internet, noting that people who are interested should “enroll” in their program, pay $144 up front, and then take a special new weight loss pill every day for two years. For their trouble, the company promises to refund the $144 after the first month and compensate consumers $319.73 each month. Complainants allege that they paid the required $144, received pills, and never heard from the company again; they never received a refund, compensation, or additional pills.

Weight-Loss Tea

BBB serving Eastern Washington, North Idaho & Montana has received complaints from 19 states for Wu-Yi Source – a company that maintains a Billings, MT drop-box address. Wu-Yi Source offers a 100 percent “iron-clad” refund for their weight-loss tea. But dozens of consumers say that when seeking a refund, company reps provided vague answers, told them to use the products for 4-6 weeks, and questioned whether they were dieting and exercising. Consumers allege that the company is merely using a stall tactic to get them to go past the 60-day mark so the company doesn't have to honor its refund policy.

Hypnosis

BBB serving Dallas and Northeast Texas has received complaints from across eight states for Changes International Inc. The company promises “QUIT SMOKING & LOSE WEIGHT in one brief HYPNOSIS SESSION” and offers a 100 percent money back 10-year guarantee if the hypnosis doesn’t work. Until confronted by BBB, the company attempted to instill trust in consumers by falsely claiming in online and print advertising that they were “the only organization of our kind endorsed by the Better Business Bureau.” Complainants report paying more than $250 for the hypnosis seminar and a set of CDs, and allege that the hypnosis is ineffective and that the company doesn’t honor its refund policy.

Fat-Dissolving Injections

BBB serving the St. Louis metro area has received more than 350 complaints and reports about a company called GO FIG, INC– doing business as fig. and Advanced Lipo Dissolve Center – a company that administered fat-dissolving micro-injections for upwards of $10,000. The procedure is not approved by the Food and Drug Administration (FDA) and complainants allege the injections were ineffective and caused extensive swelling and pain. Reports to BBB also reveal improper billing practices and difficulty obtaining refunds. The St. Louis-based company went out of business suddenly in December citing “economic conditions” and shut 17 of its 18 offices nationwide – however, many other companies across the country currently offer similar procedures.

Given alarming levels, and increasing rates of fraud associated with the weight-loss industry, BBB is advising consumers to research the reputation of companies offering weight-loss solutions before making a purchasing decision.

For trustworthy information on weight-loss companies, consumers can access BBB Reliability Reports^TM online, free of charge, at www.bbb.org. In Southeast Texas, call 409/835-5348 or800/685-7650.

BBB Challenges Comparison Prices in Sweepstakes Clearinghouse Advertising

6/30/2010

Posted on 6/30/2010 by

"National Reference Retail" price on watches not substantiated

Everyone loves a bargain, so it’s very appealing when a product is advertised at a much lower price than a comparison price quoted in the advertisement. The offer can be misleading, however, if the comparison price in the ad isn’t an actual selling price for the product.

The BBB has found that Sweepstakes Clearinghouse, a national mail order business based in Dallas, advertises a comparison price for one product that appears to be inflated. Xavier brand diamond watches advertised with a “National Reference Retail” price of $449.95 were determined to be of lower quality than the merchandise used for the comparison price.

Better Business Bureau standards for advertising call for comparison prices to be “actual retail selling prices for the merchandise in the area."

The BBB Code of Advertising notes that "reference price" and similar terms have sometimes been used deceptively to state or imply a saving which was not, in fact, the case.

The BBB Code of Advertising provides that, "A list price may be advertised as a comparative to the advertised sales price only to the extent that it is the actual selling price currently charged by the advertiser or by representative principal retailers in the market area where the claim is made. Such a comparison should be substantiated by the advertiser immediately prior to making any advertised comparison."

Sweepstakes Clearinghouse, 1555 Regal Row, Dallas, mails offers to consumers across the U.S. for merchandise such as computers, cameras, luggage, watches and more. The advertisements state “National Reference Retail” comparison prices for the products.

One mailing offered “23 Karat Gold and Genuine Diamond Watches” by Xavier Fine Diamond Watches in Gold and Two-Tone, with quartz movement, in both men’s and women’s styles. The ad claimed a “National Reference Retail” price of $449.95 each. Each watch was said to have “Eight (8) Genuine Diamonds on Bezel”. The gold style was described as “Richly plated in 23K Gold”, and the two-tone style as “Stainless Steel and Richly plated 23K Gold”.

The watch offer says the recipient has been "awarded a consolation prize" which is a $400 credit voucher towards the purchase of one of the four watches offered. That brings the total price of the advertised Xavier watches valued at $449.95 to just $49.95 plus shipping and handling.

On July 21, 2009, as part of its review of advertising, the BBB requested that Sweepstakes Clearinghouse substantiate the "National Reference Retail" comparison prices for products featured in its mailings.

Sweepstakes Clearing House provided information, however, after reviewing the submitted materials, the BBB became concerned that there were inaccurate product comparisons which inappropriately inflated the reference prices of one of its products.

The BBB determined that the advertised Xavier Diamond Watches are not of the same product quality as the comparison products referenced in materials submitted by Sweepstakes Clearinghouse to the BBB in Dallas. The BBB concluded that the company failed to provide adequate substantiation materials for the "National Reference Retail" price for the advertised Xavier Diamond Watches.

This failure to substantiate an advertised comparison price is one of the reasons that Sweepstakes Clearinghouse has a BBB rating of “F”, on a scale from A+ to F. Additional reasons for this rating include:

311 complaints filed against the business
Business has failed to resolve underlying cause(s) of a pattern of complaints.

Customer complaints allege slow delivery of ordered merchandise, non-receipt of refunds, poor product quality, and unsatisfactory customer service. The company has resolved some complaints by offering refunds, making deliveries, or explaining its policies.

Mailings from Sweepstakes Clearinghouse state that the recipient has been awarded a consolation prize, which is a credit voucher good towards the purchase of merchandise. Consumers pay the balance of the price for the product they choose, plus shipping and handling.

To check out a business or file a complaint, start at www.bbb.org.

Find an Adoption Agency You Can Trust

6/30/2010

Posted on 6/30/2010 by

Celebrities such as Angelina Jolie, Sandra Bullock, Madonna and many others are building families through adoption. While celebrities might make it look easy, the Better Business Bureau recommends doing your research when enlisting the help of an adoption agency. Adopting a child is a complex, lifelong experience; it is also a legal transaction that can be complicated and expensive.

According to the most recent numbers from adoption experts, there are more than 125,000 adoptions annually in the U.S. While not all adoptive parents rely on an agency, professional help can be key to creating your family, as well as navigating the various laws and requirements. Last year alone, eager families vetted adoption services with the BBB more than 35,000 times.

“There are many different paths to adoption and the services, expertise and competency of agencies vary,” said Micheal Clayton, BBB spokesperson. “Because the process can be expensive, complex and take years to complete, you want to make sure you’ve got the best people showing you the way.”

When searching for an agency, BBB recommends that adoptive parents:

Research your options – Many factors will have a large impact on the type of agency you choose such as adopting a child from foster care, opting for an open or closed adoption or a domestic versus international adoption. You may also choose to adopt a special needs child who might have physical or mental health issues.

Understand the laws – No matter what option you choose, there are state, federal and international laws that will drive the adoption process. Getting a good grasp on the governmental requirements and procedures will help you evaluate the expertise of adoption agencies and give you a better idea of which path for adoption is best for you. The U.S. Department of Health and Human Services adoption website is a good starting point for looking into adoption laws and other adoption-related resources. Visit http://www.childwelfare.gov/adoption.

Get advice from other parents – Your best source of information may be people you already know who have adopted. If you don’t know any families that have adopted, ask friends and family. There are also many support groups both online and community-based for adoptive parents. Through these support groups, you can learn from the experience of others about the adoption process, including which agencies they were happy with and which ones they weren’t. If you choose to work with an agency, many have their own support groups.

Vet the agency with experts – Always make sure that the adoption agency is properly licensed to offer the promised services in your state and, if applicable, with the country from where you intend to adopt a child. Also check the agency out with your BBB; if the agency is an Accredited Business it is required to meet BBB’s standards for ethical conduct and resolving complaints.

Visit several agencies – Before deciding on any one adoption agency, try to visit and meet with several. You can often arrange an appointment to sit down and discuss what services they offer, what you will be required to do, as well as what you can expect in the adoption process. Many agencies also have informational group meetings that may answer many of your questions. Make sure the agency has extensive experience in the form of adoption you want to pursue. Find out what kind of pre- and post-adoption support the agency will provide, such as social programs that foster friendships among waiting and adoptive families, educational or cultural opportunities to allow families to learn about their children’s home country, programs for adopted children, teens or adults and counseling services. While adoption fees will be dependent on many variables, an agency should be able to disclose any required fees in advance, as well as any refund policy.

For more advice you can trust from BBB on evaluating businesses and services, visit your local BBB at http://southeasttexas.bbb.org/Consumer-Tips/.

BBB Small Business Advice: Writing a Privacy Policy

6/30/2010

Posted on 6/30/2010 by

Online privacy policies have taken center stage as social networking sites and search engines have recently come under fire for sharing user information. Even if you think your business is too small to merit a privacy policy, the Better Business Bureau advises that if you have a website, you will benefit by having a comprehensive privacy policy.

“Privacy policies are about transparency and are key to building trust between your business and your customers,” said Michael Clayton, 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.

Don’t Get Sucked in By Deceptive Air Duct Cleaners

6/30/2010

Posted on 6/30/2010 by

Local ads offering a low price on air duct cleaning can seem like a great deal with minimal risk. While most companies are on the straight and narrow, Better Business Bureau warns consumers to beware of air duct cleaning businesses that employ bait and switch tactics or try to scare the homeowner into thinking they have a serious health-threatening mold problem.

According to the U.S. Environmental Protection Agency, a careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements. Complaints to BBB also show that putting your trust in the wrong company can mean spending thousands of dollars on unnecessary mold remediation services.

“Most of us aren’t experts when it comes to maintaining the mechanical components of our house and we have to rely on the opinion of the technician,” said Michael Clayton, BBB spokesperson. “Unfortunately, some companies are taking advantage of that trust by misleading customers and even lying about having a serious mold problem.”

BBB has received many complaints about one outfit — operating most recently under names like Pure Kleen, Priority One Air Solutions and United Restoration — which has been active for more than a dozen years. The network of individuals have set up different duct and carpet cleaning companies from Washington State to Florida and been the subject of at least three cease and desist orders issued by various State Attorneys General.

Customers are baited with low advertised prices, generally through mass mail or local newspapers, for air conditioning duct cleaning services. These ads often include a depiction of a giant dust mite and alarming descriptions of mold, mildew and unhealthy air quality. Once sales agents are in the customer’s homes they run reportedly bogus mold detection tests and tell the owner they must pay thousands of dollars to have the mold removed.

When looking for a professional to clean out air ducts, BBB recommends that consumers:

Check the Company Out With BBB. Before setting up a visit, check the company out with your Better Business Bureau first. Ideally, the business will be Accredited by BBB or at least have a good rating. Pay close attention to the name of the business you’re researching because unscrupulous outfits often choose a name that is similar to an existing business that has a solid reputation. To check out a business’s Reliability Report or locate a BBB Accredited duct cleaner visit http://southeasttexas.bbb.org/Find-Business-Reviews/.

Look for the Fine Print. Ads and contracts may contain fine print which the business might think will absolve them from honoring their advertised price. Always ask plenty of questions and get to the bottom line of what it’s going to cost you, before you sign on the dotted line.

Get a Second Opinion. If the duct cleaner discovers that you have a mold problem, get a second opinion. Mold remediation can cost thousands of dollars so you’ll want expert advice on how to take care of it.

File a Complaint with BBB. If you believe you’ve been misled by a business, file a complaint with your BBB online at www.bbb.org/us/file-complaint. Even if BBB isn’t able to resolve the issue for you, the complaint can serve as a warning to other consumers about the business.

Fore more advice on home improvement and maintenance, visit your local BBB at http://southeasttexas.bbb.org/Consumer-Tips/.

BBB Warns that Scams Emerge in the Wake of the BP Oil Spill

6/30/2010

Posted on 6/30/2010 by

The Deepwater Horizon oil spill continues to threaten the environmental and economic health of the Gulf Coast. In the wake of the largest environmental disaster in U.S. history, a coordinated effort is underway to clean up the spill and provide aid to affected families. Your Better Business Bureau warns that the recovery effort creates a great opportunity for scammers to make an easy dollar by deceiving those who are trying to find work, file claims with BP or donate money or volunteer to help with the cleanup.

“It’s tragic that scammers are taking advantage of an already disastrous situation,” said Michael Clayton, BBB spokesperson. “Unfortunately, history has shown that in the wake of a national disaster, scammers find a variety of ways to prey on the misfortune of others.”

Whether you’re looking for work or financial assistance or want to help out by donating money or volunteering your time, BBB recommends doing your research and avoiding the following scams:

The Job Scam: Several organizations including BP and BBB have reported on job scams in the wake of the oil spill. Most commonly, job hunters say they were told to pay an upfront fee to get a job or pay for training. BBB has also heard from people who were recruited for cleanup work by outfits that did not seem to have a contract with BP.

Jobs available directly with BP are posted on BP’s website. For jobs through the state, such as Florida, Alabama, Louisiana and Mississippi, you can visit the states’ job websites. If you have been recruited by a company that claims to have a contract with BP, research the business fully and try to confirm with BP that they are a legitimate employer for the oil spill clean up. BBB advises job hunters to be wary of companies that require applicants to pay an upfront fee.

The vast majority of jobs created will go to Gulf residents or industry specialists. Many of the jobs involved in the cleanup also require specific training or certifications, such as Hazardous Waste Operations and Emergency Response training. For most cleanup jobs, the employer will provide appropriate training for new employees.

The Claim Scam: Unsolicited e-mails claiming that the recipients qualify for compensation from BP are landing in inboxes. Additionally, the FTC warns against phony adjusters who ask for fees to expedite services

The toll-free BP claims line is 1-800-440-0858. The line is available 24 hours a day, 7 days a week, or you can file a claim online through BP’s website. Additionally, there are many claims offices along the Gulf Coast. More information is available through the Deepwater Horizon Response website and on BP’s website.

The toll-free BP claims line is 1-800-440-0858. The line is available 24 hours a day, 7 days a week, or you can file a claim online through BP’s website. Additionally, there are many claims offices along the Gulf Coast. More information is available through the Deepwater Horizon Response website and on BP’s website.

The Charity Scam: Following any major disaster, scammers will pose as charitable organizations and try to solicit donations from well-meaning individuals.

The oil spill is unlike previous disasters and constraints in the clean up effort limit what charities can do with your money or how you can volunteer.

While you can’t donate or volunteer to clean up oil, opportunities may include shoreline monitoring, fund raising, office work help in food programs for families in need and providing transportation. Numerous charities with volunteer programs ask that you register with them so that they can assess your skills and place you appropriately when openings arise. BBB Wise Giving Alliance has compiled a list of nationally soliciting charities which meet BBB standards that are asking for donations and volunteers for the Gulf effort.

How to Contact BP and Where to Report Fraud:

BP has set up phone numbers to address specific concerns surrounding the Oil Spill. You can find a contact list on their website.

BP has also set up a fraud hotline at 1-877-359-6281. Additionally, you can alert the FBI by calling (866) 720-5721 or via e-mail disaster@leo.gov. Also contact your local BBB so we can help get the word out and warn other people.

For more advice on finding a job, funding your business or donating to a charity, visit http://www.bbb.org/us/Consumer-Tips/.

BBB Warns Car Shoppers about Online Dealer Scam

6/28/2010

Posted on 6/28/2010 by

Victims lose thousands to scammers posing as dealers online

Better Business Bureau is warning car shoppers to beware of websites offering too-good-to-be-true deals on repossessed cars. BBB has heard from people across the country who thought they were buying from a reputable dealer online but were actually sending money to scammers posing as legitimate, already-established community dealerships.

“Because scammers essentially steal the identity and good name of real auto dealers, car shoppers will think that they’re buying a car from a reputable business,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

Most recently, one Memphis auto dealer, America Auto Sales (www.memphisautoworld.com), received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the website of the Memphis dealership. The phony website used the name, address and contact information of the real dealer.

The fraudulent website claimed to sell repossessed cars at prices well below market. Buyers were instructed to wire a deposit—as much as $5,000—to an individual rather than the company, which, according to the phony website, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar websites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. The websites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the auspices of another legitimate dealer.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

For more information, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

From FOX 4 & KSET: BBB Advises to Check Out Summer Camps

6/28/2010

Posted on 6/28/2010 by

The day-camp advertisement boasted of a basketball court, spacious playground and computer lab. In reality, the physical premises offered a portable kiddy hoop, a small fenced-in backyard and a couple of outdated computers sitting in the basement. Here is some advice for parents seeking a summer camp for their kids -- whether it is day camp or sleep-away camp.

1. Things to keep in mind: child’s age, personality, interests, …

2. How long has the camp has been in business … is it a trustworthy operation?

3. Visit the camp … location, facilities, safety procedures

4. Talk to the camp staff … total fees and payment deadlines … camper return rate … camp director’s background … staff training … medical facilities … safety rules … family visits … references from parents of repeat campers

5. For more information, visit www.bbb.org or call 409/835-5348 or 800/685-7650.

From FOX 4 and KSET: Making Plans! -- Prepaid Funeral Arrangements

6/28/2010

Posted on 6/28/2010 by
Accordingto AARP, the purchase of prepaid funeral arrangements is big business in theUnited States. AARP says that morethan 21 million adults, 50 years of age and older, have prepaid some, or all,of their funeral expenses. What’simportant to know when considering this important personal businessdecision.

1. Primary purpose of a prepaid agreement? A contract for future delivery of specific services . . . Fundingmechanism to pay for those goods and services . . . Most,but not all, contracts guarantee to lock in the price.

2. Abuses with someprepaid funeral plans? Lack ofportability . . . Plangood at only single funeral homes or cemeteries . . . Unexpectedexpenses . . . discoverythat some plans do not cover all expenses . . . Marketingabuses . . . high-pressure sales techniques -- sellingof more expensive goods and services.

3. What should you do before securing aprepaid plan? Be sureto compare prices . . . FTCrequires itemized cost disclosures . . . Reviewthe plan carefully . . . review with an attorney, accountant, orfamily financial advisor . . . Visitthe facility . . . Investigatethe funeral home’s reputation . . . Contactthe Better Business Bureau 24 hours a day at (409)835-5348 or (800) 685-7650 or www.bbb.org

From Fox 4 and KSET: Red Flags to Watch for When Using E-Bay

6/24/2010

Posted on 6/24/2010 by

eBay can be a great place to buy and sell items online. However, as with other money-making opportunities, there are unscrupulous people that will use the site to take advantage of consumers. It’s important to know what to watch out for. Here is a list of unethical tactics mentioned on eBay’s website:

“Shill Bidding”: This is when a seller has multiple accounts or a group of friends who deceitfully make higher and higher bids to increase the seller’s overall profit margin.

“Bid Shielding”: In this scenario, the buyer with the multiple accounts or group of friend bidders will keep upping their bids but then retract them. This process is used to scare off other bidders. Then, the bidder with the lowest bid gets the item for bottom-dollar price.

“Switch and Return”: A buyer will purchase an item from you and return it. The catch – the item they return is not what you sold them; it’s a fake.

“Fakes and Reproductions”: Sellers may provide fraudulent certificates of authenticity on collectors’ items. This may be done on rare items billed as being in “mint condition.” Watch out for wording such as “to my knowledge” or “I think.” Be especially aware of counterfeit trading cards.

There are some precautions consumers can take to predict and prevent internet crime.

Know who you are dealing with! Find out a seller’s information. Do this by placing a low bid on an item and go to http://search.ebay.com/_W0QQtZvbQQsofindtypeZ9. Enter in “the seller’s name and item number”. eBay will send you the contact information. Then, call this person. Look up the phone number online at www.free411.com and verify their address if provided. If the phone number does not work, that is a red flag.
C.O.D. and escrow.com are ideal payment methods, although they are somewhat expensive. PayPal is also acceptable, although unless specifically stated, it does not provide you with $2000 coverage protection. If PayPal is used, it’s recommended that you use a credit card. Credit card companies will refund your money if the seller fails to provide the merchandise. Avoid money transfers. Typically, a scammer uses money transfers to hide their identity, so law enforcement cannot track them down, especially if they reside in a foreign country, where U.S. laws will not protect you. Checks are also not a secure method of payment.
Be wary of fake eBay and PayPal sites. If a link is listed, place your cursor over it and look at the URL on the bottom. If the two do not match up, there is a problem. Also, if there is no “s” in the “https:” web address, the link is not a secure site. DO NOT add your personal information here. This is how scammers get a hold of your eBay ID and password, credit card, and other personal information.
If a person only wants to deal with you through e-mail, that is a red flag. It is likely the account is stolen, especially if they are asking for payment via money transfer. Money transfers have to be requested via e-mail because eBay will not publish these types of requests on their site.
Other red flags eBay tells you to watch out for are auctions which hide the bidders, sloppy English, the product is in a different location from the seller, the eBay “buy-it-now” button is missing, a product is in the wrong category.
Keep your password and account secure. Ignore pop-ups that may request personal information. Make sure your computer is protected by updated anti-virus and firewall software. Set your security options in your web browser to alert you when a website is unsafe. Always type out URL addresses provided by eBay and PayPal to ensure that you do not click on malware. Never send your personal information via e-mail. E-mail is not secure. Be careful about opening attachments, which may also contain malware.
Be familiar with the product you are buying to ensure you don’t purchase imitations. Consult with the experts. Observe whether the picture looks like it was personally taken or copied from the Internet.
Be leery of quick-sell auctions. Opportunists will always pressure you into buying but won’t always deliver.
Another tip: pay the extra money to the post office to get a tracking number. A postal receipt means nothing without a tracking number, and without this the post office cannot help you locate your purchased item.

If you educate yourself and are aware of and avoid potential scams that are out there, you can have a very positive experience on eBay.

If you believe you have been the victim of fraud, you file a report by going to http://pages.ebay.com/securitycenter/reportproblem.html.

BBB Warns Of Craigslist And eBay Car Scam

6/24/2010

Posted on 6/24/2010 by

Recently, your Better Business Bureau was made aware of a scam using the classified advertising Web site, Craigslist, to lure potential buyers to a phony version of the online auction site, eBay. Buyers think they’re getting great deals on vehicles, but are actually paying for nothing.

Phony sellers place Craigslist ads for vehicles at reasonably low prices. Appearing legitimate, sellers claim all transactions are insured through eBay, protecting both buyers and sellers. Sellers express the need to sell vehicles quickly. Many claim they’re overseas and in desperate need of money, using high-pressure, aggressive language to convey their urgency.

Once buyers agree, they’re informed "eBay Transaction Services" will e-mail them to complete deals. E-mails generally contain transaction ID numbers and payment instructions for Western Union or MoneyGram.

Sellers explain once cars are purchased, money remains in escrow accounts until buyers are completely satisfied. Buyers are told they’ll be shipped the cars to inspect and test drive. They’re told the money will only be released to the sellers after the test drive’s completed satisfactorily. Unfortunately, the reality is once the money’s wired to the alleged escrow accounts, it’s long gone. Buyers never receive the vehicles and are unable to reach sellers.

A BBB employee responded to a Craigslist ad from a woman selling her car. She stated it was located in Atlanta, GA, crated and ready to be shipped. She claimed to prefer using eBay, saying it was safe for the seller and buyer and went on to explain how the process worked. The seller assured him the car was in immaculate condition and he’d receive it before money was released to her. If he wasn’t satisfied, the car would be shipped back at her expense and he’d get his money back.

The BBB employee informed the seller he’d be in Atlanta and requested to see the vehicle. She replied the car was sealed in a container to prevent damage. At that point, he declined the offer.

Popular sites, such as Craigslist and eBay, offer convenience and savings to those looking to buy or sell items online. However, they’ve also given scammers another outlet to take advantage of unsuspecting victims. Your BBB advises the following to avoid being scammed:

• Never wire funds to people you don’t know. Wire transfers are virtually untraceable. If this is the only form of payment accepted, reconsider the purchase.

• Meet sellers in person to inspect items or have a trusted person in the seller’s area check out items before purchasing. When meeting, never go alone and try to meet in a public setting.

• Never provide personal information, such as bank account or Social Security numbers, eBay or PayPal information.

• Be wary if communications are full of spelling and grammar errors.

• Don’t trust claims stating Web sites guarantee transactions. Generally, Web sites aren’t involved with transactions.

• Watch out for phishing e-mails requesting personal information or containing malicious viruses.

If the offer sounds too good to be true, it probably is. Steer clear of transactions you’re unsure about and contact your BBB to check out companies before doing business. Visit www.bbb.org or call (409) 835-5348 or (800) 685-7650.

About Your BBB Serving Dayton and the Miami Valley
Your BBB, the leader in advancing marketplace trust, is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. Your BBB provides objective advice, free business BBB Reliability ReportsTM and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, your 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, 125 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Please visit www.bbb.org for more information about your BBB.

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"Turning Customers Into Raving Fans!" August 19

6/24/2010

Posted on 6/24/2010 by

Turning Customers Into Raving Fans!
Qualities and Characteristics that Provide Exceptional Service

Training will include how to:

Take the necessary steps to work together as an exceptional customer service team
Develop the skills of focusing on the customer
Discover the importance of building strong bonds with people
Learn how to handle customer complaints and build customer loyalty
Understand how to achieve excellence in all that you do

Date: Thursday, August 19th

Time: Lunch - 11:30, Training - Noon

Place: MCM Elegante' Hotel - Fountainview Room

Registration Information:

Early Registration: $35 per person through August 5th

Late Registration: $40 per person

Advance registrations are required. Checks and major credit cards are accepted. No cancelations or refunds after August 11th. Call 409-835-5951 x117 or email debbiebridgeman@bbbsetexas.org, or fax request to 409-838-6858.

BBB Tips for Selling Gold, Online or in Person

6/22/2010

Posted on 6/22/2010 by

Beaumont, TX – June 21, 2010 – Have you thought about making a few extra dollars by selling some of your gold jewelry? Whether you do it through a gold-party (in-home party usually held with a group of friends), over the Internet, or through a local jeweler, here are some things you should consider.

· Your jewelry may be stamped “14-Karat,” but that does not mean it is gold. Some necklaces can have catches stamped as such, but the number alone means little.

· For an appraisal, if possible, go to someone locally whom you know and trust by checking with the Better Business Bureau (BBB), www.bbb.org. Look to see if others have reported issues with a particular jeweler or jewelry store. The BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

· Check out any online companies with the BBB too, and use a search engine to see what other consumers are saying about their experiences with the companies.

· If gold is worth $930 per ounce, you aren't going to be paid $930 for every ounce of gold you have.

o 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).

o The ounce quote is for pure gold only.

o 14-Karat gold is composed of just 58.5 percent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending.

o The lower the karat, the less the gold content.

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

· Gold pieces with less color, or fewer stones, are worth more. A jeweler must break the stones out before the item goes to the refinery.

· Make sure your items are insured when being shipped, so if they are lost you can recover the value.

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

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

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

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

· Ask about the company’s guarantee if you are not satisfied with the price offered.

o Can you get your product back, if you return the check (many companies melt down the items in 10 – 14 days)?

o If you send the check back, send it “return receipt requested,” so you have proof when it arrived at the company.

For further information, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

From FOX 4 and KSET: Identity Theft Still Number One!!

6/21/2010

Posted on 6/21/2010 by

Identity theft continues to be the fastest growing white-collar crime in America. Criminals steal credit card, driver’s license, and social security numbers, plus other key pieces of an individual’s identity, turning them for quick profit and financial gain. According to the Attorney General, every year more than 25,000 Texans report being victims of identity theft with thousands more unaware that their information and bank accounts have been targeted. What can you do to protect yourself?

1. Why do criminals steal personal identity information?

A criminal’s goal when stealing your identity is to impersonate you, spending as much money as they can as quickly as possible before moving on to someone else. With stolen information, identity thieves can open new credit cards and checking accounts, or make purchases on a stolen credit card. You, the victim, are left with a damaged reputation and a bad credit report, and must spend months or years regaining financial health.

2. What are a few suggestions to protect consumers?

· Don’t carry extra credit cards, and cancel all unused credit cards accounts. In addition, consider using a credit card with your photo on it. Also, shred all pre-approved credit offers you receive in the mail before throwing them away. (You may also opt out of these offers by going to www.optoutprescreen.com.)

· Don’t carry your social security number, birth certificate or passport unless necessary. Memorize pin numbers and passwords.

· Make sure you have up to date anti-virus and anti-spyware software on your computer. If shopping online or paying a bill, make certain the connection is secure. This means that the web address will begin with “https” rather than “http”, and will contain an icon of a "closed lock" or "key" at the bottom of the screen. And if the Internet connection is wireless, be careful not to transmit personally identifying information if the site did not require a password or is untrusted.

· Always shred personal documents before throwing them away. Your Better Business Bureau hosts “Shred It and Forget It” twice a year, a free event where you can bring up to five boxes to shred on site. For more information on this event, click here.

· Never give out bank account or Social Security numbers over the phone. Though the caller may sound professional, a legitimate business will not solicit this information over the phone.

3. What should an individual do if information is stolen and abused?

· Immediately close all accounts that you believe were compromised, call your credit card issuers, and notify your bank.

· Contact credit bureaus to place a fraud alert on your credit report.

· Report to the police.

· The Texas Attorney General provides a step-by-step kit for victims of identity theft. If you believe you are a victim, you may download the kit by clicking here.

· If you have any other questions, contact the Better Business Bureau at (409)835-5348 or (800)685-7650, or 24 hours a day at www.bbb.org.

Gulf Oil Spill Recovery: Tips for Donors and Volunteers

6/14/2010

Posted on 6/14/2010 by

In the wake of any disaster, many reach for their checkbooks and donate money to aid and rescue organizations. The Better Business Bureau Wise Giving Alliance cautions, however, that the oil spill in the Gulf of Mexico is unlike previous disasters and offers specific advice to potential donors and volunteers.

“Although tens of thousands of individuals are already involved in the response to the oil spill, many others wonder how they can pitch in and help, whether it means writing a check or volunteering their time,” said Art Taylor, President and CEO of the BBB Wise Giving Alliance. “Businesses, communities and wildlife across several states have been seriously impacted by the spill and the need for assistance is great. However, the constraints in the clean up effort limit what charities can do with your money or how you can volunteer.”

BBB Wise Giving Alliance recommends that donors and volunteers consider the following:

Beware of well-intentioned but inexperienced organizations – New non-profits and relief organizations spring up following any major disaster. While these groups might have the best of intentions, new charities responding to a crisis may lack the resources, experience and management needed to be effective. Ideally, look for established organizations with environmental expertise or experience aiding Gulf communities.

Understand where your money is going - Find out how the organization plans to spend funds for Gulf relief, ecosystem recovery and related activities. Among the activities that charities are promoting, in addition to shoreline rescue and protection, are needs assessment, litigation, economic relief, advocacy for new governmental energy policies and research into long-term solutions to minimize effects of future disasters. Ask whether the organization offers to restrict your donation for use in its Gulf-related activities or intends to use it for general support for all of its programs.

Rely on expert opinion when it comes to evaluating a charity - Be cautious when relying on third-party recommendations posted on blogs or web sites, as the authors might not have fully researched the organizations they list. The public can go to www.bbb.org/charity to research charities to verify that they are accredited by the BBB and meet the BBB’s 20 Standards for Charity Accountability.

Find out if the charity is doing Gulf-related work or raising funds for other Gulf relief organizations - If a charity is raising money for other groups, you may want to consider “avoiding the middleman” and giving directly to those performing the work. Research ultimate recipients of the “middleman’s” donations to ensure that theseorganizations are equipped to do the job you want to support and are aware of the individual or organization soliciting on its behalf.

Volunteering for Gulf clean-up may require special skills or training - Learn what qualifications are necessary before setting off for the site. If you’re looking to get your hands dirty, you’re out of luck unless you’re certified to handle hazardous materials or have received training to care for injured wildlife. In fact, Gulf residents are being told not to handle any tar balls that wash up on the beach or animals that might be affected by the spill. Other volunteer opportunities may include shoreline monitoring, fund raising, office work, help in food programs for families in need and providing transportation. Numerous charities with volunteer programs ask that you register with them so that they can assess your skills and place you appropriately when openings arise.

There will be many opportunities to give, so keep checking – The Gulf region will be suffering from the effects of the oil spill for years to come and, as the situation unfolds, there will be more opportunities for donors to step in and help in the future. If you can’t find a cause you can get behind right now, plan to revisit the possibility of making a donation or volunteering in the months to come.

BBB Wise Giving Alliance has compiled a list of nationally soliciting charities which meet BBB standards that are asking for donations and volunteers for the Gulf effort. More information and charity evaluations are available at www.bbb.org/charity.

From FOX 4 and KSET: Oh, No! Not Another Hurricane Season!

6/14/2010

Posted on 6/14/2010 by

1. What can be done in advance to prepare for a possible weather related disaster?

Take proactive steps:
Have a plan and be prepared to implement the plan if disaster strikes.
• Get flood insurance if you don’t already have it. Know the details of your homeowners, business and auto insurance coverage, including deductibles, limits of contents, etc.
• Pre-select a group of contractors, such as electricians, tree trimmers, and roofers. Contact the BBB to get a reliability/performance report on them. BBB.org is a wonderful tool to use. Here you can find information such as phone numbers, websites, owner info, complaint history, and whether or not a business is accredited.
• Duplicate important papers/documents and store them safely.
• Be informed - know the laws and your rights in times of disaster.

2. What can be done after a weather related disaster?

Take reactive steps –
• Be sensitive to potential consumer and charity fraud and scams, and don’t be rushed into making decisions.
• Get the following from contractors: copies and verification of insurance, licenses, and bonds, as well as a list of references. Don’t give money up-front beyond down payments and make sure everything is in writing.
• Deal with reputable people in the area. Contact the Better Business Bureau 24 hours a day to get a reliability report on companies you are considering at (409) 835-5348 or (800) 685-7650 or online at www.bbb.org.

Charities Assisting Gulf Coast Oil Spill Clean Up

6/10/2010

Posted on 6/10/2010 by

The list below identifies national charities providing assistance to the Gulf Coast oil spill clean up. This list only includes charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization.

American Bird Conservancy
Defenders of Wildlife
Ducks Unlimited
EarthShare
Environmental Defense Fund
Friends of the Earth
Greenpeace Fund
International Fund for Animal Welfare
National Audubon Society
National Wildlife Federation
Natural Resources Defense Council
Nature Conservancy
Oceana

Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

Property Experts Marketing Promises To Sell Timeshares, Fails To Carry Through, BBB Warns

6/10/2010

Posted on 6/10/2010 by
A company that markets itself as a leader in the timeshare resale business and boasts relationships with some of the world’s most prestigious corporations, also claims a strange address in downtown St. Louis – the long-vacant and padlocked LaSalle Building at 509 Olive Street.

The company, Property Experts Marketing, appears to be among a group of bogus businesses that promise to sell vacation timeshares in return for advance fees, but then do nothing.

The Better Business Bureau (BBB) warns that Property Experts Marketing and similar enterprises are set up solely to steal money from unsuspecting consumers. Many use fabricated, or “ghost” addresses to make them appear more legitimate.

A Texas truck driver told the BBB recently that he paid Property Experts Marketing $6,300 to market and sell a portion of his timeshare. Despite repeated promises, the company has yet to sell the timeshare.

Michael Clayton, president and CEO of the BBBin Southeast Texas, said unscrupulous businesses can take thousands of dollars from timeshare owners before they realize they have been duped.

“These are slick, sophisticated operators who go to great lengths to make themselves look legitimate to potential timeshare sellers,” Clayton said. “In this case, they went as far as faking an address in the heart of downtown St. Louis. The only problem is that they chose a deserted office building with no electricity and no running water.”

Even after a BBB investigator told a representative of Property Experts Marketing that he had visited the locked and deserted office building earlier that day, the representative insisted that the company had a suite on the seventh floor of the building. The man said he was speaking from a phone inside the Olive Street office. Asked if he would be willing to meet a BBB representative at the building, the man replied, “well, actually I am leaving right now.”

The timeshare owner from Converse, Texas, said he was solicited by phone several weeks ago by a man representing himself as an agent with Property Experts Marketing. The agent told him that he could sell a portion of his timeshare for $27,000. All the company asked, the agent said, was that the owner pay an upfront maintenance fee of $3,870 and a Mexican government “excess profits” tax of $2,430. Both would be refunded when the timeshare sold, the agent said. The agent said the tax was necessary because the timeshare originally was purchased in Mexico.

The owner said the company told him that the sale had been delayed and he now believes his $6,300 is lost.

“We are hard working people,” the timeshare owner said. “My wife is a registered nurse; I am a truck driver.” He said that the couple’s 5-year-old son died of brain cancer several years ago and “from that moment, I decided that if I found somebody who needed help, I would try to help them.” While he doubts if he will ever be able to recover his money, “I don’t want anybody else hurt.”

The company’s website, propertyexpertsmarketing.com, says it was founded in 2001 “with the simple yet complicated commitment to really sell timeshare properties for owners in the secondary market.” The site features idyllic photographs of aquamarine water and emerald golf courses. The site says the company’s clients include two major pharmaceutical companies, a well-known fragrance company and a TV network. The address, 501 Olive, Suite 701, is listed on the website and in several documents faxed to the Texas man.

The company representative, who identified himself as John Orozco, said a copy of the Texas man’s BBB complaint was turned over to his company’s legal department. The representative said he would have someone from that department contact the BBB to clear up any misunderstanding. There was no further response from the business.

Earlier this year, the BBB spotlighted Resorts Condo Management, Creative Vacation Solutions,Platinum Property Exchange and Premier Timeshare Solutions for taking thousands in upfront fees from timeshare owners, but failing to complete the promised sales, despite guarantees.

A man from Lincoln, Nebraska, told the BBB he paid Premier Timeshare Solutions $7,710 to sell his timeshares, but the company did not make the sale and did not refund his money.

One of the most notorious recent timeshare scams involved a company calling itself Ultimate Vacation Network. That company listed an address on the seventh floor of an office building in Troy, Mich. But a representative of the company that manages the building says Ultimate Vacation Network has never had offices there. She also said that the building has only five floors.

The Detroit BBB received numerous complaints from timeshare owners between October 2009 and May 2010 saying they had lost money in the scam. A New Jersey man said he paid the company more than $45,000 in fees, but received nothing.

The BBB offers the following advice for timeshare owners looking for help in selling their timeshares:

Make sure you are dealing with a legitimate business with a physical address before entering into any agreement with a timeshare sales company. If no address is available, ask for one. If the company provides an address, make sure you confirm that the business is, in fact, located at that site.
Beware of any timeshare sales firm that asks for any upfront fees or taxes before agreeing to sell your timeshare.
Ask for references and contact them to make sure they were satisfied with the company’s work.
Check out a company’s Reliability Report with the BBB by going to www.bbb.org or by calling 409-835-5348. Ask how long a company has been in business. There may be limited information on companies that have operated for only a brief time.

Overdraft Opt-In Deadlines Approaching

6/10/2010

Posted on 6/10/2010 by
This summer, a host of new rules kick in regarding the way banks charge overdraft fees to their customers. As two critical deadlines approach, many consumers are receiving letters from their banks asking them to either “opt-in” or “opt-out” of overdraft protection services (and the accompanying fees) when they overdraw their accounts.

The new regulations are the result of comprehensive banking reform measures, and are primarily aimed at curbing overdraft fees. Banks are now required to let their customers decide whether they want their bank to “cover” ATM and one-time debit card transactions when there is not enough money in the account. Such service can help you avoid the potential problems caused by bouncing a check, but can also be costly as many banks charge fees of $30 or more for each transaction.

The new rules require banks to obtain explicit permission from their customers to provide this service. Over the past several weeks, consumers have been sent questionnaires from their banks, asking their preference on whether they want the bank to either cover their overdrafts (and incurring the bank’s stated fees), or waive the service and possibly have the transactions bounce. (If a consumer “opts out”, the bank may cover the transaction anyway, but may no longer charge for it.) The deadline for banks to implement the opt-in process for new customers is July 1, and Aug. 15 for existing customers.

“It is important for consumers to weigh their options, because a lot of consumers could be positively or negatively affected by their decisions,” said Michael Clayton, President of the Better Business Bureau (BBB) in Southeast Texas.

For example, Clayton says a customer who meticulously keeps his or her checkbook and never overdraws would probably not need the service. Same goes for customers who have some other way to cover overdrafts, such as a linked bank account or line of credit. “But customers who regularly run into problems balancing their checkbook, or those who live on a tight margin, should consider whether they would benefit from the service.”

It is important to note that the new rules only apply to “one-time” debit card and ATM transactions, and do not apply to checks, ACH (Automated Clearing House) transactions, such as scheduled payments using the bank’s bill-payer service, or recurring debit card transactions.

A key factor in the decision, Clayton explains, is whether you want to deal with the bank or with the person or business which is the subject of the bounced transaction. Fees vary, and many businesses charge up the maximum allowed by law. Others may allow you a second chance if you contact them to plead your case. If you have opted out, and try to use your debit card at a store or ATM, it will likely be declined.

Customers should also know that banks are allowed to charge you as many times per day as their stated policy allows, potentially costing much more than you paid for the product or service. “That dollar pack of chewing gum could end up costing you $35 or more,” Clayton noted.

Whatever your choice, banks will automatically consider you to have “opted out” if you do not return the form with your choice by the deadline.

Here are a few suggestions for avoiding overdrafts:
•   Track your balances daily. Many banks have websites that allow you to see what is going through the account, minute-by-minute.
•   Consider signing up for “low-balance” alerts. These services can let you know about a potential problem.
•   Keep a “cushion” of cash in your account, for times when you need it, or when you make a mistake.
•   Link your account to a savings account or line of credit.

The BBB urges consumers to contact their banks for more information about their choice. For more on the new law, visit the Federal Reserve's website, or click here for an informative fact sheet from the American Bankers Association.

BBB Offers Advice about Online Privacy

6/10/2010

Posted on 6/10/2010 by

Online security and privacy concerns with social media sites such as Facebook have led users to question which websites they trust with their personal information. Better Business Bureau serving Southeast Texas (BBB) provides consumers with questions they should ask before disclosing personally identifiable information on any website.

The privacy policies of financial institutions, insurance companies and healthcare providers are commonly provided to website users, however; consumers are not as likely to ask for the privacy policy of the sites they visit on a regular basis. Even if a site has a privacy policy, many consumers find it difficult to navigate the terms and are not sure what to look for when reviewing a site’s privacy policy and practices.

“The Internet is a resource for sharing information and you are the best protector of your privacy by controlling what information you share,” said Michael Clayton, President and CEO of BBB in Southeast Texas. “The first thing to consider before disclosing personal information online is whether or not you want that information public. If not, then the best solution is to keep that information offline. After determining what content you will share, research how a site will use your personal information now, and if they will let you know when changes are made in the future.”

BBB suggests consumers get answers to the following questions before providing their information to any online shopping, social networking or location-based website to keep their personal information safe:

What information is collected? Will the site collect your demographic information if you provide it? Will it track your habits and what pages you visit?
How is the information collected? Will the website collect information automatically through tracking technology such as cookies, or only if you provide the information? Websites use cookies to place small text files on your computer that may be used to track your purchases, the pages you visit, or the ads you click on. This information can be sold to marketers.
How is the information used? Will it be shared with a third-party advertiser? Will other users have access to this information if they have an account with the same social media site? Will your spending habits with an online shopping site be shared with advertisers?
Who will have access to the information? Does the site share the consumer’s information with other sites online, other companies, or with affiliates within the same corporate family?
What security measures are used to protect your personal information? Security measures should be used to keep the user’s personal information, including login and password, safe.
Who is accountable for the privacy practices? Are you comfortable with the website’s privacy policy? Does the website privacy policy give you someone to contact with questions or concerns?

If a company has a privacy policy, it may not mean the consumer’s personal information is protected. It is important for consumers to keep in mind that there are no universal guidelines for the content of privacy policies. Consumers are their own best defense in protecting their information online and the best way to do so is recognizing what information will be shared.

For more information on staying safe online, visit http://southeasttexas.bbb.org/consumer-tips-technology/.

Solid Gold Sound Leaves Brides Singing the Blues

6/10/2010

Posted on 6/10/2010 by

Cincinnati, OH June 8, 2010 – Brides across the country have been literally left at the altar by A Solid Gold Sound. Clients of this Florence, KY based company say they paid the company hundreds of dollars for DJ and videographer services that were never delivered.

BBB has received 96 complaints about A Solid Gold Sound in the last year, 38 complaints in the last month alone. Customers report that the company would contact brides a day before the wedding with the news that their DJ or videographer had been in a car accident. Brides were forced to hunt down and pay for replacement DJs/videographers on their own, less than 24 hours before their wedding.

Brides also tell us they were surprised to learn that A Solid Gold Sound was not the local company they portrayed themselves to be. According to BBB files, the company provided a local address to their customers, but it was merely a local UPS mailbox used to collect payments.

Although A Solid Gold Sound initially promised refunds, the company has shown no effort to pay back customers’ deposits. In recent complaints customers were told not to expect refunds since the company would be filing bankruptcy soon.

But A Solid Gold Sound did not file bankruptcy. Instead, it ceased operations. They’ve disconnected their phones, removed their website and are still refusing to refund deposits.

A Solid Gold Sound has claimed to have arranged DJ and Videographer coverage for all their customers and promises to post an email address on their website directing customers to their assigned DJ and/or Videographer. The company hopes to re-establish phone communications soon but is unable to provide specific details.

Still, this is distressing news to some brides who are waiting for their wedding videos from weddings that took place months ago. Although some of these brides confirm they have indeed been contacted directly by the videographers, the videographers are telling a different story; specifically, that A Solid Gold Sound has not been paying their vendors. Brides are told if they want to receive their wedding videos, they must pay the videographer what A Solid Gold Sound owes them. This essentially doubles the cost of the videos for the brides.

The BBB advises customers of A Solid Gold Sound who did not receive services to dispute the charges with the credit card company, or if paid by check, to stop payments to this company.

The Better Business Bureau (BBB) has been working in conjunction with the Kentucky Attorney General’s Office in an investigation of A Solid Gold Sound and their business practices. Victims are strongly urged to file a complaint with the Kentucky Attorney General’s Office by downloading and completing a consumer complaint form at:
http://ag.ky.gov/civil/consumerprotection/complaints/
or by calling 888-432-9257 to have a complaint form mailed to them.

A Solid Gold Sound, also known as A Sensory Sound System changed ownership in 2009 when Rob Doyle purchased the companies from John Kruer. Separate reports for the prior ownership of A Solid Gold Sound and A Sensory Sound are available. Both reports describe the same pattern of consumer complaints.

The BBB offers the following tips for those looking to hire DJ or videographer services:

· Deal only with reputable companies that provide these services. Ask for the names of satisfied customers and call or write them before signing a contract.

· All contracts should be in writing and should include dates, products, prices, and all fees. Contracts need to be signed and dated by all parties involved. Be sure to understand any cancellation policies and make sure everything is in writing including refund policies and returns on deposits.

· Most vendors will require a non-refundable deposit. Try to keep deposits as small as possible in case you have to cancel or change plans. Never pay for a service in full upfront, however, realize that many vendors will ask to be paid in full the week of your wedding so make sure that you have the money in your budget.

· Pay by credit card in the event you may want to challenge the purchase at a future date.

· Contact the BBB for a Reliability Report by visiting www.bbb.org or by calling 409-835-5348.

About the BBB

The BBB is a non-profit organization that sets and upholds high standards for fair and honest business behavior. The BBB provides objective advice, free business Reliability Reports, charity wise-giving reports, and educational information on topics affecting marketplace trust. Please visit www.bbb.org for more information.

From KFDM "Live at 5": BBB Warns to Avoid Advance Fee Loans

6/8/2010

Posted on 6/8/2010 by

1. What is an “advanced fee loan?” Why do you consider them a scheme to defraud people from their money? Advanced fee loan schemes typically target those who can least afford to lose their $$ -- unemployed, fixed incomes, those with big debts . . . they promise guaranteed, low interest loans . . . they charge large amounts of money for upfront application processing fees . . .

3. How can someone protect themselves against advance fee loans schemes? Seek credit locally before going cross country or out of country . . . don’t act immediately – get the paperwork first, understand it thoroughly . . . get references and investigate them . . . ask yourself, “If I can’t get a loan locally, why is this company, which I have never heard of and doesn’t know me, willing to make me a loan?”

Victimized?? Complain!! Contact the BBB 24 hours a day at (409) 835-5348 (800) 685-7650 www.bbb.org

From FOX 4 & KSET: BBB Advises to Check Out Summer Camps

6/7/2010

Posted on 6/7/2010 by

The day camp advertisement boasted of a basketball court, spacious playground and computer lab. In reality, the physical premises offered a portable kiddy hoop, a small fenced-in backyard and a couple of out-dated computers sitting in the basement.

The Better Business Bureau cautions parents who are seeking a summer camp for their kids – whether it is day camp or sleep-away camp – to exercise care and common sense. With application deadlines fast approaching, it can be tempting to panic and choose the first camp that has an opening. That’s a decision you may later regret.

The BBB offers tips to help narrow your choices to camps that will ensure a safe and fun experience for your child.

Look for a camp program that fits your child’s age, personality and interests. Some camps have structured programs with staff scheduling campers' activities. Others are more flexible, allowing campers to choose some of their daily activities.

Find out how long the camp has been in business and check with the Better Business Bureau (www.bbb.org) to determine if the operations are trustworthy.

Always visit the camp before submitting your deposit. Check on its location, view the living/eating/recreational facilities, ask about safety procedures (particularly for water activities, archery and out-of-camp trips) and assess the quality and commitment of the staff. Ask the camp staff about the following issues:

What are the total fees and payment deadlines? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation offered?
What is the camper return rate? The counselor return rate?
What is the camp director’s background? How is the staff trained? What is the ratio of campers to staff members?
Are medical facilities adequate and is a nurse or doctor on site? What are the procedures for transporting injured or sick children to nearby medical facilities?
What are the safety rules and how are they enforced?
Are family visits or other communications with campers allowed? How is homesickness handled?
Are references from parents of repeat campers available? Ask about their child’s experience and why they recommend the camp.

Finally, look for camps that are certified by the American Camp Association. ACA-accredited camps have met up to 300 nationally recognized standards.

Company Claims to Offer Assistance to Consumers Seeking Government Jobs

6/7/2010

Posted on 6/7/2010 by
Better Business Bureau is alerting job-seekers to Career Systems, LLC, www.careersystemsllc.com, a Vail-based employment services company, owned by Richard and Ramona Friedberg, former principals of Tucson-based Government Careers, Inc. (GCI).

Like GCI before it, Career Systems posts advertisements on Internet employment sites, including Yahoo Hot Jobs. The advertisements state that if consumers sign up for Career Systems’ counseling service for a $129 fee, the company will guide them towards employment with a federal agency, such as the postal service or border patrol.

Current advertisements posted on Yahoo Hot Jobs state that “If you are underemployed with your industry and are ready to make a move in a secure career, then let one of our career advisors help you obtain a position in one of the many positions currently available.”

Between June and December of 2009, BBB received 50 complaints against GCI as consumers across the nation searched for jobs amidst the worst recession in 60 years. GCI was BBB’s third most complained about company in 2009, with complaints coming from over 20 states.

In January 2010 Attorney General Terry Goddard and the Federal Trade Commission (FTC) filed a joint lawsuit in U.S. District Court against Government Careers Inc. (GCI) and owners Jon Coover, Richard Friedberg, and Rimona Friedberg for engaging in allegedly deceptive employment services. Goddard’s office estimates that as many as 10,000 people across the country are victims. In the complaint the AG and the FTC directed Government Careers Inc., its owners, and affiliates from engaging further in this line of business.

BBB has not received any complaints against Career Systems LLC, but has received 23 consumer inquiries since the company began advertising in late April.

BBB Tips for job seekers:

Be wary of any company that claims they can guarantee employment with a government agency or guarantee success on government tests for employment. If you have any questions about the government hiring process, directly contact the agency you are interested in applying.
Study materials for various government jobs are available for free directly through the government agency you’re applying with or at your local library.
If you are interested in employment with the USPS, Border Patrol, or with another federal agency, all employment opportunities are posted on each respective agency’s website. Government agencies typically will not advertise employment opportunities on Web sites such as Careerbuilder.com or Yahoo! Hot Jobs.
Never enter into a contract with a company without reading the contract first; don’t provide payment information until you have a physical copy of the contract in your possession.
Always request that the business clearly explain or direct you to the refund/cancellation policy prior to signing a contract.
If something in the contract doesn’t make sense, ask someone you trust to review it before signing anything.

For more information about GCI, Career Systems, or other employment services, visit http://southeasttexas.bbb.org/, or call (409)835-5348.

Phony Scam Websites Falsely Claim BBB Accreditation

6/7/2010

Posted on 6/7/2010 by

BBB has recently become aware of several websites which propose to be BBB Accredited Businesses but are not. The websites show a BBB Accredited Business logo, which links to a phony BBB report generously giving the company a bogus A+ rating.

Consumers are urged to check with the BBB before completing a business transaction. However, neither an apparent A+ rating, nor BBB Accreditation logo always guarantees that the company in question is reliable. This month, the Better Business Bureau has received inquiries about a firm that, posing as a BBB Accredited Business, swindles bargain-hunters across the nation out of their hard-earned cash.

The company operating under a number of names, including ZET Electronics and American Garden Appliances, and in other areas as Orange Electronics, Team Appliances, Home Garden Appliances, Chrystal Beauty and Aaron’s Shop among others, offers a variety of merchandise—ranging from beauty supplies to farm equipment—at prices well below suggested retail. The BBB has been notified that the firm, aside from running multiple websites, is active as a seller on such e-commerce websites as Amazon.com, eBay, and DealItem.

Even consumers who are skeptical about the enticing offers may be reassured by the BBB Accreditation seal proudly displayed on the company’s websites. Clicking on it forwards the shoppers to a fairly accurate replica of a BBB Reliability Report, where instead of the well-deserved rating of F, the businesses give themselves an A+. The BBB has contacted the company requesting the removal of the unauthorized BBB Accreditation logo with no success. The conment went so far as to register several domains that mimic the official Internet address of the Better Business Bureau, including www.lousiana-bbb.org, (a misspelling of Louisiana), www.bbb-company.org, and www.bbb-community.org, which are NOT real BBB sites, but rather copied versions of BBB pages. Some of the phony links actually forward to the REAL www.bbb.org to lend authenticity.

Two of the scam websites offer local New Orleans addresses at 3900 S. Carrollton Ave. After investigating the addresses, they were found not to exist. The closest location to that address was an overpass of Interstate 10 and S. Carrollton Avenue, at which, of course, there are no businesses located.

According to BBB in New York, when misled consumers proceed to check out on one of these websites, all attempts to pay by a credit card result in an error message. At this point, the shoppers are told that the website is experiencing technical difficulties and are asked to wire the money for the merchandise via Western Union. If they do so, the complainants never receive the product they purchased and have no chance to recover their money. These scam businesses have sprung up and been identified by BBBs in New York, New Jersey, and Ohio, and these two seem to be the most recent iterations of this scam.

The BBB offers the following tips for shopping online:

Be cautious of companies that offer merchandise at prices significantly below market. If something seems too good to be true, it probably is.
Avoid purchasing goods from the following websites:

americangardenappliances.com

zetelectronics.com

onlineluxury-shopping.com

orange-electronics.com

homegardenappliances.com

standard-electronics.com

team-appliances.com

appliances-4home.com

team-2appliances.com

team-4appliances.com

team-elctronics4you.com

team2appliances.com

team4appliances.com

teamapp-inc.com

beauty-shoponline.com

If a company claims to be a BBB accredited business, make sure that the URL of the page to which you are forwarded after clicking at the BBB Accredited Business Seal begins with "https://www.bbb.org/". Double-check by searching for the company’s name, address, URL, or phone number at http://www.bbb.org/us/Find-Business-Reviews or contacting your local BBB.
Read terms and conditions
Beware of the companies that accept payment via money transfer only.
Never wire money to anybody you have not met in person.

If you have any questions or concerns and are no able to verify the company’s authenticity yourself, please contact the BBB serving Southeast Texas at: (409) 835-5348 or info@bbbsetexas.org.

Can You Trust a Door-to-Door Meat Salesman?

6/3/2010

Posted on 6/3/2010 by

When temperatures heat up, door-to-door salesmen start making their rounds selling any number of different products and services. While many door-to-door salesmen are honest, every summer, Better Business Bureau receives troubling complaints from consumers who purchased meat from door-to-door salesmen and were dissatisfied with the quality or even claim to have gotten food poisoning.

In a recent example, the BBB in Denver issued a warning about mounting complaints against a door-to-door meat salesman. According to complaints, customers spend an average of $185 on different kinds of meat, poultry and/or fish. Consumers have described the products as being, “inferior quality,” “tainted,” “not edible,” “old and freezer burnt” and “drowned in salt and preservatives”. Some complainants have also claimed to have gotten sick from the meat and one complainant described it as tasting “like chlorine.”

“Many people might be a little put off by the idea of buying steaks or seafood from the back of a truck, but the low price can often be tempting enough to override any fears about safety or quality,” said Michael Clayton, President and CEO of BBB in Southeast Texas. “It’s not uncommon for a customer to waste hundreds of dollars on inferior meat and it is extremely important for your financial health, in addition to your personal health, that you do your research before you buy.”

Other common complaints to BBB against door-to-door meat sellers include claims that the customer received less meat than what they paid for, that the salesman did not have appropriate permits to sell food door to door and that the salesman failed to stand by the promised satisfaction guarantee.

When considering buying meat from a door-to-door salesman BBB recommends that consumers:

Do your research. Ask the salesmen for written material about the company and let them know you are going to research them first before doing business with them. Check the company’s Reliability Report with your BBB. Many communities have licensing and permit requirements for food vendors and for selling door-to-door; confirm with your city or county government that the seller is in line with the law.

Don’t fall for empty promises. The seller might claim to offer a 100 percent satisfaction guarantee, but many complainants had no way to contact the seller if they were dissatisfied. Additionally, the seller might claim that the meat is a higher grade than it really is.

Never pay with cash. When paying by check or credit card you have at least some way to protect your money—such as canceling the check or reporting it as fraud to your credit card company. If you pay with cash and are dissatisfied, you’re at the mercy of the salesman.

Know your rights. If you decide to make a purchase, ask for a dated cancellation form and a dated receipt. Note that the Federal Trade Commission Cooling-Off Rule gives you three business days to cancel the purchase. Saturday is considered a business day.

Report the bad guys. If you feel that you were ripped off by a door-to-door salesmen, file a complaint with your Better Business Bureau. Also report any unlicensed salesmen to the appropriate city or county authorities.

Consumers with questions about purchasing meat can contact the USDA'S Meat and Poultry Hotline at 1-888-674-6854.

For more advice to help you make smart purchasing decisions, visit http://southeasttexas.bbb.org/us/consumer-tips-product-purchasing/.

Don’t get suckered by ‘clickjacking’ on Facebook

6/3/2010

Posted on 6/3/2010 by

Scammers are now using a new social engineering technique called ‘clickjacking’ to convince social network users to post malicious links on their Facebook status updates.

“Social engineering techniques plays on people’s emotions, be it fear or humor, to do something like sharing or clicking on a website hyperlink,” says Michael Clayton, BBB President and CEO. “When we hear about a fascinating story, the first instinct is to share it with everyone we know without verifying the original source.”

In a report from Sophos, an Internet security company, Facebook users end up downloading viruses that put their computers at risk after clicking shared links (marked by users as ‘Like’ on Facebook) to stories that have attention-grabbing headlines, like:

• "LOL This girl gets OWNED after a POLICE OFFICER reads her STATUS MESSAGE."

• "This man takes a picture of himself EVERYDAY for 8 YEARS!!"

• "The Prom Dress That Got This Girl Suspended From School."

• "This Girl Has An Interesting Way Of Eating A Banana, Check It Out!"

If you have clicked on any of the following links, Sophos suggests going to your Facebook page and do the following:

1) Remove the page from your “Likes and interests” section.

Click “Edit My Profile”, then “show other pages”, and then “Remove Page” … or
Click “Account” in the top right corner, then “Edit friends”, select the “Pages” list, and click the X next to the page

2) Delete the page from your newsfeed - it will probably be in the “Recent Activity” section, but you may need to scroll down a bit to find it.

BBB offers the following advice for staying safe on social networking sites:

· Be extremely wary of messages from friends or strangers that direct the user to another website via a hyperlink.

· Users should always make sure their computer's operating system and antivirus and firewall software are up to date. In some web browsers, you can download security applications that will help to find and warn users about ‘clickjacking’ weblinks.

· Parents should become “friends” of their children. Joining Facebook and monitoring your kids’ activity will help to keep a close eye to what your kids are up to.

For more information on social networking tips, visit BBB’s website: www.bbb.org

Get a Pre-Summer Tune-Up Before Utility Bills Skyrocket

6/3/2010

Posted on 6/3/2010 by

The mercury will soon be hitting 100 degrees in Southeast Texas and that means it is time to prepare your home for hot temperatures. Utility bills can skyrocket during the summer months, but there are some things you can do to stay cool without breaking the bank.

BBB offers the following tips to keep your home cool, comfortable, and running efficiently in the summer months:

· Change your air filter regularly. Check your filter every month. If it looks dirty, change it. A dirty filter will slow down air flow and make the system work harder to keep you cool. This wastes energy and leads to expensive maintenance and/or early system failure.

· Tune up your HVAC equipment yearly A yearly tune up of your car can improve your gas mileage. Likewise, a yearly tune up of your heating and cooling system can improve efficiency and comfort.

It’s a good idea to have a contractor perform an annual pre-season check up, which can help maintain your equipment and prevent future problems…and unwanted costs. A typical maintenance check-up should include the following:

· Check thermostat settings to ensure the cooling and heating system keeps you comfortable when you are home and saves energy while you are away.

· Tighten all electrical connections and measure voltage and current on motors. Faulty electrical connections can cause unsafe operation of your system and reduce the life of major components.

· Lubricate all moving parts. Parts which lack lubrication cause friction in motors and increase the amount of electricity you use.

· Check and inspect the condensate drain in your central A/C. A plugged drain can cause water damage in the house and affect indoor humidity levels.

· Check controls of the system to ensure proper and safe operation. Check the starting cycle of the equipment to ensure the system starts, operates, and shuts off properly.

· Clean evaporator and condenser air conditioning coils. Dirty coils reduce the system’s ability to cool your home and cause the system to run longer, increasing energy costs and reducing the life of the equipment.

· Check your central A/C’s refrigerant level and adjust if necessary. Too much or too little refrigerant will cause your system to run less efficiently, increasing energy costs and reducing the life of your equipment.

· Clean and adjust blower components to provide proper system airflow for greater comfort levels. Airflow problems can reduce your system’s efficiency by up to 15 percent.

“Finding potential problems before they arise will save you emergency repair bills and will help avoid costly repairs down the road”, said Michael Clayton, President & CEO of BBB in Southeast Texas. “It’s a good idea to make sure your home is ready for the summer heat”.

For more tips on being a savvy consumer and to find contractors you can trust, go to www.bbb.org.

BBB Questions Whether Crowd Sourcing International is a Pyramid Scheme

6/3/2010

Posted on 6/3/2010 by
A business opportunity offered by Crowd Sourcing International (CSI) in Dallas claims that participants can earn money by collecting information about car license plate numbers and the cars’ locations. But the plan may be a pyramid scheme, warns the Better Business Bureau. There does not appear to be a substantial source of income for participants (“independent consultants”) other than the money paid in by other participants.

In a pyramid scheme, participants make most of their earnings by recruiting others rather than from sales of a product. The Texas Attorney General’s Web site warns, “People who get in on a pyramid scheme early might make money in the beginning, but the schemes inevitably collapse, victimizing the recruits at the base of the pyramid.”

The BBB first asked Crowd Sourcing International about the business opportunity in January, 2010, and the business provided some information. In May, 2010, CSI provided the name of one client. The information did not resolve the BBB's concerns as to whether the company is selling a bona fide product with a true market value. In fact, the client's identity only raised more concerns, which the BBB communicated to the company.

“Although Crowd Sourcing International claims that the information collected is purchased by clients such as auto loan companies, CSI has provided the name of only one client,” said Jeannette Kopko, spokesperson for the BBB serving Dallas and Northeast Texas. “The BBB questions whether that client, which has links to CSI, is independently paying CSI for car sightings.”

Crowd Sourcing International, 1111 Empire Central Place, Suite 200, Dallas, was formerly known as Narc Technologies and has also done business as “Narc That Car.” Through a multi-level marketing plan, independent consultants are recruited to pay a $100 sign-up fee and a monthly $5 processing fee for commission payments, and offered a Web site for $24.95. Participants can earn up to about $20 a month for up to 10 license plate sightings , and can earn a part of the payments for license plate sightings to participants they recruit. Independent consultants are told they can also earn commissions by finding clients such as auto loan companies to pay for the license plate sightings.

But if there isn’t substantial income from clients paying for the information collected, then the main source of income available to CSI to pay independent consultants would be from sign-up and other fees paid by participants.

CSI came to the attention of the BBB in Dallas in January, 2010. Since the first of the year, the BBB has received over 28,000 inquiries – requests for the BBB Reliability Report® – on the business.

CSI has a BBB rating of “F”, on scale from A+ to F. The reasons for this rating include:
• 21 complaints filed against business
• 2 unresolved complaints filed against business .
• 5 serious complaints filed against business.
• Business has failed to resolve underlying cause(s) of a pattern of complaints
• Advertising issue(s) found by BBB.
• Length of time business has been operating.

Complaints on CSI are from independent consultants alleging misrepresentation of the business opportunity; non-payment of commissions; difficulties in cancelling and getting automatic charges stopped; and difficulties contacting the business.

A man in Bloomington, IN, complained: “I joined NARC (which is now called CSI) at the end of January. They hit my account at $124.95. I brought in several customers and entered my license plates from January through April. I received my first check of $75 minus $5 processing fee. They hit my credit card on March 1 and March 29 for $24.95 each time (total $49.90). I was never paid my other two fast start bonus of 2 times $25 which equals $50 and my license plate entries for January, February, March and April … I have called each week for the past four weeks and still get the same song and dance that it is being looked at by accounting.”

CSI answers complaints, stating that refunds or other adjustments have been made, or that it will do so.

The BBB offers these tips for anyone considering participation in a business opportunity:

• Have a clear understanding of the business opportunity. How do participants earn money? You may wish to review the contract or agreement with an attorney who is familiar with business opportunities to make sure you understand it and that all promises are in writing.

• Consider the market for the product being sold. The Texas Attorney General’s Web site advises, “Before you join, be sure the product offered is something for which there is a market. Ask what the average monthly retail sales are per salesperson. Be wary of anyone who tells you that you do not have to sell anything to make money. For it to be legitimate, commissions must come from the retail sales of goods, so at some point someone will have to sell something.”

• In a multi-level marketing plan, participants earn money through sales of the product and by recruiting others in order to receive commissions on their sales of the product. Consider your own ability to recruit, train and motivate others to sell.

• Check out business opportunities with the BBB. Start at www.bbb.org and click on “Check Out a Business”. If the BBB has a Reliability Report on the business, it will include basic information, the BBB rating, and customer complaint history, if any.

To file a complaint with BBB, start at www.bbb.org. To file a complaint with the Texas Attorney General, go to www.oag.state.tx.us.

New Rules Go Into Effect to Protect Air Travelers

6/1/2010

Posted on 6/1/2010 by

Complaints to Better Business Bureau about airlines have increased by more than 170 percent in the last five years. Good news is on the horizon, as BBB explains, new rules and regulations go into effect this month to provide better consumer protection for air travelers.

According to the Department of Transportation (DOT), most complaints against airlines are about flight problems—including delays and cancellations—and lost baggage. Some more famous angry customers took their complaints online in the last year by performing songs like “United Breaks Guitars” for YouTube or posting videos of being stuck for hours on the tarmac with other angry passengers.

“Harried air travelers have grown increasingly angry and vocal both online and offline about how they feel they are being treated and the Federal Government is taking notice,” said Alison Southwick, BBB spokesperson. “These new regulations will hopefully result in happier fliers and fewer complaints to BBB.”

Following are the new regulations that go into effect April 29 by the DOT to improve customer protections when flying in the US:

Customer Complaints – Airlines are now required to acknowledge customer complaints within 30 days and address the issue within 60 days.

Tardy Takeoffs - DOT is now allowed to penalize airlines for any domestic flight that is more than 30 minutes late on at least half its trips each month for four months in a row.

Tarmac Tribulations – Airlines are required to provide adequate food and potable drinking water for passengers within two hours of the aircraft being delayed—lavatories must also remain available and operable. If the plane is delayed more than three hours on the tarmac, it must return to the gate and deplane the passengers—barring any safety or airport disruption concerns.

Web Site Wait Times – Airlines are required to display on their Web site flight delay information for each domestic flight they operate. The Wall Street Journal reports, however, that the airline industry is asking for an extension on the deadline for compliance on this specific issue because of technology constraints.

Relaying Your Rights – Airlines must include on their Web site a customer service plan which, as recommended by DOT, would outline the company policies in regard to overbooking, baggage handling, handling customer complaints and many other customer service issues.

More information on these new rules can be found online at www.regulations.gov. Upset airplane passengers are encouraged to file a complaint with both the DOT and BBB online.

For more advice you can trust to become a smart traveler, visit http://www.bbb.org/us/consumer-tips-travel/.

BBB Advice to Increase Your Chances of Getting a Small Business Loan

6/1/2010

Posted on 6/1/2010 by

Finding funding to start a business or bolster an existing one has been more difficult than usual lately. While the economy improves, banks are still reticent about lending to small business owners and Better Business Bureau recommends developing a solid business plan to earn the bank’s trust and increase your chances of landing a loan.

To increase the chances of getting a loan, BBB recommends that small business owners and entrepreneurs:

Show that you’re personally invested. If you have money invested in your own business, it will show the lender that you are personally dedicated to the success of the venture.

For more advice you can trust on managing your business visit: http://www.bbb.org/us/Business-Resources/

BBB offers money management advice for newlyweds

6/1/2010

Posted on 6/1/2010 by

Marriage is an exciting time for a couple, however, once the honeymoon is over, it’s time to sit down and get serious about your finances. After walking down the aisle, Better Business Bureau advises newlyweds to take control of their money or risk a rocky financial future.

According to research by Utah State University, married couples that frequently fight over money are more likely to split up. Even when compared to frequent fights over other issues—such as chores, sex and in-laws—fighting about money was a better predictor of a future divorce.

“When considering your financial future, it’s important for newlyweds to realize that they are in it together and nurturing their nest egg can be a rewarding experience—and not just a source of frustration and fights,” said Michael Clayton, President and CEO. “Have the conversation earlier, rather than later, so that you can develop healthy personal finance habits together.”

In order to start your new life together on the right financial foot, BBB offers the following advice:

Let Financial Skeletons out of the Closet. After marriage, any personal debt becomes “our debt” and it’s important to sit down early on and discuss what outstanding obligations exist on both sides including car loans, school loans and credit card debt. Review your credit reports to get a better idea of what you are both bringing to the marriage.

Build a Budget. After you’ve gotten a grasp on your debt, it’s time to build a monthly budget. Look at your monthly bills to create a realistic picture of how you spend. Discuss your long term goals—such as buying a house or car and having kids—and figure out how much money you need to set aside every month to reach those goals.

Designate a Driver but Travel Together. In order to avoid confusion, one person should be assigned to paying the bills every month. This doesn’t mean that the other person takes a back seat role in managing the finances. Have a discussion at least every month about your financial progress in order map your path and nip any bad spending habits in the bud.

Plan for Emergencies. Many young couples fail to save money to get them through hard times such as health problems and unexpected unemployment. Experts recommend you set aside three to six months of salary in a rainy day fund—ideally an interest-bearing account that can be easily accessed.

Save for the Future. Retirement may seem like a long way off to newlyweds, but setting aside money now means reaping big rewards later on. Take advantage of both employers’ retirement matching programs—if available—or set up individual retirement accounts.

Make a Vow to Be Savvy Consumers. Many families have had their life savings decimated after becoming a victim to fraud or identity theft. Check out your BBB’s website to find trustworthy businesses, get educated on the red flags of fraud and learn how to protect your identity.

For more advice on managing your money, www.bbb.org/us/consumer-tips-finance/.

How to Spot the Red Flags of an Investment Seminar Scam

6/1/2010

Posted on 6/1/2010 by

Beaumont, TX, June 8,2010 - Falling victim to a fraudulent investment scheme can mean losing anywhere from a few hundred dollars to your life savings. While most people might not see the harm in sitting through an investment seminar, Better Business Bureau recommends researching the investment company first, rather than run the risk of falling for a financial siren song over a free lunch.

Investment scams and schemes can come in many forms and a common technique to lure people in is the offer of a free financial seminar over lunch. In one recent example, the Securities and Exchange Commission shut down a Ponzi scheme which stole $20 million from retirees in California and Illinois. The scammers invited senior citizens to estate planning seminars and later coaxed their victims into buying promissory notes for purported Turkish investments.

“Free lunch seminars can seem like an easy way to get a meal, but attendees run the risk of getting drawn in by the slick presentations and promises of big returns,” said Michael Clayton, BBB President and CEO. “Unscrupulous seminars often use the promise of a free lunch to lure in leisurely senior citizens who have time and exploitable retirement accounts and real estate.”

When listening to an investment pitch, BBB recommends looking for the following red flags:

Requires a large up-front investment. Untrustworthy schemers might try to convince investors to pay a lot of money upfront so they can get out of town with a large haul, rather than wait for the funds to trickle in.

Promises high returns for low risk. Every investment comes with a level of risk. Typically the amount of risk increases in line with the potential return on the investment. If the seminar is trying to sell an investment scheme that claims a high return with little or no risk, beware, even if it comes with the promise of a money-back guarantee.

Employs high pressure sales tactics. Seminar leaders often use high pressure sales tactics to get people to sign up without thinking it through. They might claim that there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. Any reputable investment company will let you take your time and do your research and will not pressure you into signing a check.

Relies on off-shore investments. Many hucksters try to give their scheme an air of sophistication by relying on overseas investments such as foreign currency, property, stocks and bonds. They also might claim—incorrectly—that you can avoid taxes by investing overseas.

Sounds too good to be true. At the end of the day, if the offer sounds too good to be true, it probably is. Always listen to your instincts because the potential payoff is rarely worth the risk.

For more advice from your BBB on financial planning and investment visit http://southeasttexas.bbb.org/consumer-tips-finance/.

No Credit? Bad Credit? Beware of Loan Scams, Warns Better Business Bureau

6/1/2010

Posted on 6/1/2010 by
According to complaints filed with the Better Business Bureau, victims across the country have lost a total estimated quarter million dollars to advance fee loan scams this spring. Advance fee loan scams target individuals and small business owners who are desperate to get a loan and often take the victim for thousands of dollars.

Despite recent improvements, the economy continues to provide a great opportunity for scammers to take advantage of struggling individuals and small business owners. Lending standards remain stringent at most banks and many cash-strapped individuals are turning to fraudulent lenders that promise loans regardless of your credit history.

“Schemes preying on people looking for loans are not new, and they are flourishing in an economy when so many are struggling to get by,” said Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “The complaints received by BBB are only the vocal few and we know from experience that many more people across the country are falling for this scam every day—just when they can least afford it.”

BBB has recently received complaints about advance fee loan scammers operating under more than 75 different names including Capital Alliance Financial Group, Harford Financial Services, Howard and Clark Financial, Lending Hand Financial, among others.

Most people stumble upon the scam online or learn about the bogus loan offer from ads in local Thrifty Nickel publications and online through classified sites like Craigslist. Often, an advance fee loan scam website will be created and taken down within a couple weeks only to be replaced by another operating under a different name and fake business address.

The websites look professional and might even put the victim through the rigors of filling out loan application forms—often requiring the victim’s bank account and Social Security numbers. Eventually victims are told they are approved for the loan and just need to pay as much as thousands of dollars upfront via money order or wire transfer to pay for insurance or collateral. Those that pay, never get the promised loan and are even sometimes tricked into giving the scammers even more money.

BBB advises cash-strapped individuals and small business owners to recognize the red flags of an advance fee loan scam:

·       The lender has a bad reputation—or none at all. Research the lender thoroughly online and with your BBB. Most trustworthy lenders have an established track record; be wary if you can’t find much information about the lender online.

·       The lender is not registered in your state to do business. Check with your state financial or banking regulators.

·       The lender asks you to wire money or send a money order—such as for insurance or collateral—before you can receive the loan. You might be told to wire money to another country, consider this yet another red flag.

If you’ve become a victim of an advance fee loan scam, contact your local Better Business Bureau and report the incident to your police department. If you were asked to wire money to Canada, file a complaint with Canadian law enforcement by calling toll free: 1-888-495-8501 or e-mail: info@phonebusters.com

For more information, visit www.bbb.org. In Southeast Texas call 409/835-5348 or 800/685-7650.

Travelers Complain about Last-Minute Cancellations by Renaissance Pilgrimages

5/27/2010

Posted on 5/27/2010 by

Some customers planned to see Shroud of Turin in Italy

Dallas, TX, May 27, 2010 -- In the last eight months, disappointed travelers have filed 12 complaints with the Better Business Bureau about tours cancelled at the last minute with no refunds by Renaissance Pilgrimages, Inc., in Dallas. The business offers tours to shrines and other revered locations in Israel, Europe, and Canada. Some trips were planned to include viewings of the rarely-seen Shroud of Turin in Italy. Customers from Alaska to New Jersey complain they paid from $3,699 to $9,596 in advance but have not received refunds. So far, the business has not answered the complaints.

Of those twelve complaints, 7 are unanswered by the business, 1 is unresolved, and 4 were filed recently and are in process. A woman in Michigan complains, “Renaissance Pilgrimages cancelled our pilgrimage trip without even stating a reason--only two weeks before we were to leave. I paid $3749 by several checks and I want a full refund of this money.”

One complaint is from a travel agency in Maryland that booked 11 clients at $3,699 each for package tours to Oberammergau, a passion play presented once every 10 years, as well as the Shroud of Turin, which might not be on display again for perhaps 15 years. The trips were cancelled two weeks before departure and Renaissance Pilgrimages has not responded to refund requests, the travel agency complains.

This is not the first time that complaints have been filed with the BBB serving Dallas and Northeast Texas about Renaissance Pilgrimages. In February, 2009, the BBB reported that the business had a BBB rating of F, on a scale from A+ to F. The F rating was due to unresolved complaints concerning the same problems – last minute cancellations and failure to make refunds.

Later in 2009, Renaissance Pilgrimages responded to some complaints and the BBB rating was C+. Then more complaints remained unanswered, and the BBB rating dropped again to F, the current rating for the business.

The reasons for the F rating include:

• 19 complaints filed against business
• Failure to respond to 7 complaints filed against business.
• 4 serious complaints filed against business.
• One complaint filed against business that was not resolved.

A man in New Jersey complains, “This was the vacation of our dreams and we invested over $9000 into this trip. On April 24, 2010 we received an e-mail telling us that the trip was cancelled and no further explanation given … My wife and I are retired and do not know how to proceed but we would like our money back.”

The BBB recommends that travelers plan carefully and check out travel offers:

• Get the details of the offer in writing, including the cancellation and refund policy, before making an advance payment.
• If you choose to pay by credit card, you may have some recourse for problems. Check with your credit card company to find out the procedures for disputing the charges if you have a problem that the travel company does not take care of.
• Consider investing in travel insurance. Find out the cost of insurance as well any restrictions and requirements.
• Learn about travel planning and choosing a tour company from professional associations such as the United States Tour Operators Association, www.ustoa.com.

To check out a travel company with the BBB, start at www.bbb.org.

Illinois Man Lost $10,000 In eBay-Related Scam; BBB Urges Caution

5/25/2010

Posted on 5/25/2010 by
Beaumont, TX, May 25, 2010 – Three months after a Glen Carbon, Ill., man lost nearly $10,000 in an Internet scam, he is warning others to be extremely cautious when buying on eBay, a popular auction site.

“I couldn’t sleep for a month,” said the 57-year-old mechanic, who has been fighting to recoup his money after losing it to an Internet thief in late February.

The Better Business Bureau (BBB) says consumers should be especially skeptical of any seller who asks for payment via Western Union, MoneyGram, or other types of non-refundable money transfers. Consumers also should be wary of eBay sellers who ask that they bypass the auction site and deal directly with them.

The Glen Carbon case is a classic example of what can happen when criminals use legitimate sites like eBay to defraud the public. “These people are looking for any way of separating unsuspecting consumers from their cash. They are sophisticated, and they will do whatever they have to do to keep the money rolling in.”

The BBB in San Jose, Calif., which handles inquiries involving eBay, said it is seeing a huge increase of fraud claims from consumers who think they are buying a vehicle from eBay, but are actually dealing with a third party pretending to be eBay. EBay specifically prohibits its sellers from requesting payment through instant cash transfer services, the San Jose BBB said. EBay also says it does not offer purchase protection for payments made by check, money orders, cash on delivery or instant cash transfer services.

The Glen Carbon man said he was shopping for a piece of construction equipment when he found one on eBay. He said he should have been suspicious because the $9,900 price tag was less than half the value of the machine. When he clicked on the photo of the machine, a notice entitled “Important!!!!” instructed him not to use the “ask seller a question” option on eBay, but rather communicate with the seller directly. The notice gave an e-mail address and, from that point until the sale was completed, he said he used the e-mail address to arrange for the purchase.

He said the seller identified herself as a recent divorcee from Bangor, Maine, who had received the skid steer loader in a divorce settlement and wanted to sell it quickly.

The buyer said he felt reassured when the woman insisted that he use an eBay escrow program to complete the transaction and sent him a link to the supposed eBay site. He learned later that the site was a fake. He said he paid for the machine via a wire transfer from his credit union to a Wells Fargo bank in Los Angeles.

The seller said the bank would hold the money in escrow for seven days to give him time to decide whether he was happy with the purchase.

When the man did not receive the machine on the day it was promised, he tried to contact the woman using the same e-mail address he had used earlier. She did not respond.

He said eBay told him, ‘You’ve been scammed. It happens every day.”

Several Internet sites have dealt with similar scams, in which thieves have offered everything from expensive communications equipment to farm tractors to boats. In many cases, sellers have asked to communicate outside the eBay communications system, have used fake sites that appear to be associated with eBay and requested various forms of wire transfer payments.

The BBB offers the following tips for buyers making purchases on eBay or similar sites:

Pay by PayPal or use a credit card or debit card. Never pay a stranger with cash or via any type of wire transfer.
Be very cautious when purchasing any item through a “Buy It Now” offer when the price is significantly lower than the prices of similar sale items. Beware of sellers who say they are offering items at unusually low prices because they want to sell quickly.
If you think you’ve been directed to a fraudulent web page, ask a representative of the original site directly. Any seller who goes to the trouble of setting up a phony web page is doing it for a reason.
It pays to be skeptical. If something doesn’t seem right about a transaction, it is usually best to walk away from it.
If you have questions, contact the BBB at www.bbb.org or call 409-835-5348.

Scammers Use Green Dot MoneyPaks To Steal Online

5/24/2010

Posted on 5/24/2010 by
Internet thieves who used MoneyGram and Western Union cash transfers to steal millions from unsuspecting consumers are turning to a new way of getting their cash: Green Dot MoneyPaks.

The MoneyPaks, sold in stores across the United States, are reloadable debit cards normally used to make same-day payments or add money to prepaid cards or PayPal accounts.

The Better Business Bureau (BBB) warns that operators of phony websites are using the cards to help them cheat customers in much the same way they have used untraceable MoneyGram and Western Union wire transfers to defraud people in recent years.

The BBB says the public should be very cautious when using a Green Dot MoneyPak to pay an unfamiliar company or individual. Anyone who requires an upfront payment with a Green Dot MoneyPak is very possibly operating a scam.

“This is a case where old dogs are certainly learning a new trick,” said Michael Clayton, BBB president and CEO. “Consumers have become increasingly educated about avoiding MoneyGrams and Western Union wire transfers when sending cash to people they do not know. But many people still don’t realize that using Green Dot MoneyPaks can be just as dangerous.”

Nationally, BBBs have received numerous complaints from consumers who say they were scammed by fake companies requiring online payments through Green Dot MoneyPaks.

A senior airman at Scott Air Force Base near Shiloh, Ill., lost $1,000 last month when paying for a treadmill with a Green Dot MoneyPak. “I was taken,” he said. Another victim, from University Place, Wash., asked “How can I be so stupid?” after losing $240 in an online scam involving MoneyPak.

Several victims told the BBB that they might have avoided the scams had the GreenDot MoneyPaks contained the same kind of warnings used by MoneyGram.

Last October, MoneyGram International, Inc., agreed to pay $18 million to settle Federal Trade Commission charges that the company allowed its money transfer system to be used by fraudulent telemarketers to steal more than $84 million from consumers in a variety of scams. The court order also required MoneyGram to provide a “clear and conspicuous fraud warning” on the front of all its money transfer forms.

As part of its investigation, the BBB visited four stores that sell Green Dot MoneyPaks. None had a point-of-sale warning about use of the cards. None of the cards had a consumer warning suggesting caution in using the cards. One MoneyPak card noted, “Send money safely and securely.” Another said the card “allows you to move your cash where you need it, fast and guaranteed.”

At each of the locations, a BBB investigator posing as a customer asked whether the card was safe. At three of the four, cashiers said the card was safe, even though the investigator said he wanted to use it to make an online purchase. “You should be fine,” said one. “I’ve never heard of a problem,” said another.

A cashier at the fourth store pointed out the words on the card, “Send money safely and securely.” But when asked whether it was safe to make an online purchase, she replied, “I can’t tell you for sure; I can’t give you a guarantee.”

The website for GreenDot MoneyPaks, moneypak.com, announces on its home page: “The safe and secure way to reload prepaid cards, load money instantly to a Paypal account,” and “make same-day payments.”

The site’s Frequently Asked Questions page does offer an extensive warning, including a caution against using the MoneyPaks to pay for items purchased online. “Only after a MoneyPak activation number is provided, does the unsuspecting customer learn that the goods and services are non-existent and the merchant can no longer be contacted,” the site says. “This scam has been used for everything from laptop computers, NFL tickets, televisions and baby strollers.”

In virtually every case, a consumer is asked to buy a MoneyPak and e-mail the 14-digit activation number to the seller. The number can be used to strip the cash from a buyer’s account and deposit it into an account controlled by the seller.

Terrille Boatin, a senior supervisor with Green Dot Corp. in Monrovia, Calif., said the company has seen a growth in MoneyPak scams. She said the company soon will add a warning to its phone line and hopes to make its website warning easier to find. She said the company plans to add a warning to the card, telling customers to guard the number “like cash” and give it only to "a trusted recipient.”

The Scott airman said he never saw the warning on the website. He said he found an ad on Craigslist for the treadmill, and the contact referred him to the site Affordabledepot.com. The site looked “very professional,” and he said he used a Green Dot MoneyPak to pay the $1,000 cost, as directed by the company. When he did not receive the treadmill, he contacted the BBB.

A man from Columbia, Mo., said he discovered a Playstation game system on a Yahoo shopping site and was directed to make payment to the company, Tech Gear Upgrade, using a Green Dot MoneyPak. “I thought it was weird that they didn’t take Visa or Mastercard,” he said. He never received the game system and has given up hope of collecting his $180. He said a warning on the card “would have made me stop and think.”

A woman from Mount Juliet, Tenn., said she paid $600 to a company called Online Bazaar, for a children’s swingset. After filing complaints with the Missouri and Tennessee attorney generals’ offices, the BBB and the FBI, she said Green Dot MoneyPak refunded her $300. “I was just so hurt,” the woman said. “I’m pretty smart, but I felt stupid.” She said there should be a clear warning on the card.

A man from North Richland Hills, Tex., said he used MoneyPaks to send $1,280 to Clearanceshop.com for a sofa and TV. He said the company’s website was sophisticated and even had a link to a fake BBB report that gave the company an A- grade. After learning he had been scammed, he contacted Green Dot to try to freeze the account, but it was too late. “They got me good,” he said of the scammer.

The BBB offers the following advice for consumers making online purchases:

Beware of any offers that do not accept credit cards and ask you to purchase a MoneyPak and provide a MoneyPak number in an e-mail or over the phone.
Reloadable cash cards like Green Dot MoneyPak and other methods of cash transfers like MoneyGram and Western Union should never be used to send money to anyone you do not know. These types of payments are virtually impossible to trace, and there is a good chance you will lose your money.
Check a company’s Reliability Report by checking the BBB website at www.bbb.org or by calling 314-645-3300.

Teach Your Kids How to Stay Safe on Social Networks

5/24/2010

Posted on 5/24/2010 by
Anyone that has been around children these days knows that the popularity of social networking continues to grow among kids. Social networking sites can provide a secure way for kids to connect with each other, but they can also be exploited for any number of immoral or disreputable purposes. The Better Business Bureau recommends parents take specific steps to keep their kids safe online.

While some parents' kids know more about computers and the Internet than they do, it’s important to remember that kids aren’t old enough to understand all of the various threats that lurk online. The BBB offers the following tips for parents who want to help keep their kids safe online:

   •   Explain the Difference Between Sharing and Oversharing – While social networking is about sharing photos, thoughts and experiences, explain to your kids that they should never share personal information such as phone numbers, address, bank account numbers, passwords or their Social Security numbers. Also talk about what constitutes inappropriate photos or language and stress the fact that—while you may be able to delete them—you can never fully take them back.

   •   “Never talk to strangers” applies online too – One of the first rules we teach our kids is to never talk to strangers; remind them that the rule holds true when online.

   •   Set strict privacy settings – Social networking sites let users determine whom they want to share information with. Talk to your child about restricting their information.

   •   Keep the channels of communication open – Let your kids know that you are always ready to talk if they are ever threatened, bullied or feel uncomfortable about an experience they had online.

   •   Join them online - If you haven’t already, set up your own account in the same social networks. This will help you better understand what social networking is all about. You can also then “Friend” your child and keep an unobtrusive eye on what they are doing.

Federal law requires sites collecting identifying information from children under 13 to get a parent’s consent first. You may report concerns about data collection from children under 13 to the Children’s Advertising Review Unit of the Council of Better Business Bureaus at www.caru.org/complaint.
For more information contact the BBB: www.bbb.org.

Drowning In Paper? BBB Has Guidelines For Record Retention

5/24/2010

Posted on 5/24/2010 by

If your business is drowning in paper, the Better Business Bureau (BBB) has some guidelines for what you should keep and how long to keep it. To protect your own and your customers’ identities, shred anything with private or financial information before you discard it.

Record Retention Guidelines for Businesses

Permanent Records

Accountants’ audit reports
Annual Financial Statements
Bills of sale for important purchases
Canceled checks (for important purchases)
Capital stock and bond records, other records dealing with the firm’s capital structure
Cash books
Charts of accounts
Contracts and leases (major and/or current)
Correspondence (legal and important matters)
Credit history
Deeds and mortgages
Depreciation schedules
Employee personnel records (after termination)
Financial statements (year-end)
General and private ledgers
Insurance records
Journals
Minute books, bylaws and certificate of incorporation
Pension records
Property appraisals
Property records
Tax returns (along with related documents and worksheets)
Trademark registrations

Seven years

Accident records and claims
Accounts payable and receivable ledgers and schedules
Canceled checks (unimportant payments)
Contracts and leases (expired)
Expense analyses and distribution schedules
Expired option records
Expired insurance policies
Inventories (of products, materials and supplies)
Invoices (customer and vendor)
Labor records
Notes receivable ledgers and schedules
Payroll records and related documents (including pensioners’ payments)
Plant cost ledgers
Purchasing department copy of purchase orders
Royalty computations
Safety records
Sales records
Scrap and salvage records
Stock and bond certificates (canceled)
Subsidiary ledgers
Time books
Vouchers for payments to vendors, employee and related parties
Excise tax computations
Internal audit reports
Time cards and clock records

Three years

Bank deposit tickets
Bank reconciliations
Correspondence (general)
Employee savings bond registration records
Employment applications
Interim financial statements
Miscellaneous internal reports
Petty cash vouchers
Physical inventory tags
Purchase orders (not purchasing department copy)
Receiving sheets

One year
Requisitions
Stenographer’s notebooks
Stockroom withdrawal forms

Returns and Customer Satisfaction

5/24/2010

Posted on 5/24/2010 by

While return policies vary from one company to another, every company should have guidelines in place to ensure customers have memorable shopping experiences. Consultants should always explain a company’s return policy before a sales transaction is complete. In addition, be aware that federal law requires companies to give you a 3-day “cooling off" period for larger purchases, offering a no-questions asked opportunity to cancel your order.

Your satisfaction is very important to direct selling companies. It’s commonly said that a customer with a good experience may tell no one, but a customer with a bad experience will tell 20 people. In direct selling, which is based on word of mouth recommendations, that’s probably true exponentially!

Consultants with DSA member companies are required to explain the return policy to you. Be sure you understand it completely before signing on the dotted line and make sure you get a copy of the receipt. The consultant should also provide you with complete contact information so you can get in touch with him/her if you have questions about your order or need to cancel or make a return.

About Direct Selling Education Foundation (www.dsef.org)

The Direct Selling Education Foundation (DSEF), created in 1973 by visionary leaders of the Direct Selling Association, serves the public as the industry’s goodwill ambassador. Headquartered in Washington, D.C., the international non-profit organization offers comprehensive programs that advance the direct selling industry’s support of consumer rights and protection, education about the industry, ethical leadership, and individual economic empowerment. Thousands of industry and community thought leaders from diverse backgrounds and organizations have come together at DSEF sponsored programs to learn, grow and create a vital and healthy business climate. Our services include conferences, training sessions, publications, university campus visits, teaching and instructional materials, networking opportunities, grants to organizations, consultative assistance and grants for research and case studies. For more information, visit www.dsef.org.

Getting Started in Direct Selling

5/24/2010

Posted on 5/24/2010 by

If you’re interested in becoming a direct selling consultant, here are the basic steps involved in getting started:

Company Research

The first step is to identify a company and product or service that appeals to you. There’s no right or wrong answer, because the choice is different for every person. But, a good place to start is choosing a product or service that you use yourself.

Most established direct selling companies have Web sites that you can visit. You should also check with the local Better Business Bureau and state consumer protection agencies to see if a company in which you’re interested has had any complaints filed against it. If so, what was the nature of those complaints and how were they handled? If you know anyone who works (or has worked) as a direct sales representative for the company, talk to them about his or her experiences. If possible, try to talk with someone who has similar goals and objectives so experiences and lessons will be comparable.

Be sure to ask as many questions as you need to get a good feel for the company, its products and its policies and procedures. If the person recruiting you can’t answer all of your questions call the company directly. Any reputable company will be happy and available to talk with you. Ask for copies of any company literature (and read it!) and check out the company’s web site.

You might also want to check out what others have to say about the company. You’re sure to find a great deal of negative information about many companies online. Be sure to consider this information in the context of your research, but be careful about being swayed by biased information from unreputable sources. At the same time that the Internet has become a resource for gathering information, it also tends to be a breeding ground for negativity and information taken out of context.

Questions You Should Ask

Before you sign up, be sure to ask questions about the following:

Start up costs. The start up costs in direct selling companies are generally modest – usually the cost of a sales kit – and are often less than $100. Legitimate companies want to make it easy and inexpensive for you to start. On the contrary, pyramid schemes make their money through fees paid by new recruits or by loading inventory and/or training aids on them. High entry fees should be a warning sign.

Unsold inventory

Compensation

About Direct Selling Education Foundation (www.dsef.org)
The Direct Selling Education Foundation (DSEF), created in 1973 by visionary leaders of the Direct Selling Association, serves the public as the industry’s goodwill ambassador. Headquartered in Washington, D.C., the international non-profit organization offers comprehensive programs that advance the direct selling industry’s support of consumer rights and protection, education about the industry, ethical leadership, and individual economic empowerment. Thousands of industry and community thought leaders from diverse backgrounds and organizations have come together at DSEF sponsored programs to learn, grow and create a vital and healthy business climate. Our services include conferences, training sessions, publications, university campus visits, teaching and instructional materials, networking opportunities, grants to organizations, consultative assistance and grants for research and case studies. For more information, visit www.dsef.org.

About BBB (www.us.bbb.org)
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 Reliability ReportsTM and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 126 BBBs serve communities across the U.S. and Canada, evaluating and monitoring nearly 4 million local and national businesses and charities.

As a matter of policy, the CBBB and Better Business Bureaus do not endorse any product, service or company.

National Small Business Week: Free Online Resources for Entrepreneurs

5/24/2010

Posted on 5/24/2010 by

Beaumont, TX May 24, 2010- 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 Association to 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/

BBB and Direct Selling Education Foundation Partner to Educate Direct Sellers and their Customers

5/24/2010

Posted on 5/24/2010 by
Better Business Bureau (BBB) and the Direct Selling Education Foundation (DSEF) today announced the launch of a national partnership to raise awareness of ethical business practices and consumer protection by providing expert advice and guidance for direct sellers and their customers.

According to the most recent figures from the Direct Selling Association more than 15 million people in the US sold about $30 billion in products and services through direct selling in 2008. Nearly one-third of the sales were for personal items such as cosmetics, jewelry, skin care; a quarter of the items sold were for home goods including cleaning products and cookware. Worldwide, direct selling is a $100 billion industry.

“The direct selling industry represents a vibrant channel of distribution, and BBB and the DSEF created this partnership to educate the growing number of sellers and customers on their responsibilities and rights,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Building trust is integral to success in sales and it’s important for direct sellers to maintain best practices and for customers to know what to expect when making a purchase.”

BBB and DSEF have created a series of articles, videos and PSAs to educate direct sellers, their customers and even those considering a career path in direct selling. The topics covered include maintaining ethical sales practices, understanding consumer rights and recognizing red flags to avoid pyramid schemes. All the information is available for free online at http://www.bbb.org/us/DSEF-tips/.

“Promoting ethical business practices is at the heart of DSEF’s mission,” said Charles L. Orr, Executive Director, Direct Selling Education Foundation. “Our partnership with BBB brings ethics to life for both direct sellers and their customers.”

From FOX 4 & KSET: Cell Phone Numbers Going Public

5/24/2010

Posted on 5/24/2010 by

The time has come for cellular telephone numbers to become public information. That means telemarketers of all kinds will now be calling you on your mobile phone. What can you do to prevent that from happening to you?

1. So, cell phone numbers are going public . . . what does that really mean? Cell phone numbers are being released this month to telemarketing companies . . . be receiving calls throughout the day and evening . . . you will be charged minutes against your cell plan for these calls

2. What can we do to prevent our cell numbers for being given out to telemarketing companies? National DO NOT CALL list . . . will only take a minute of your time . . . you must call from the cell phone number you want to have blocked – cannot call from another number . . . Call 888-382-1222 . . . or go to www.donotcall.gov

3. How long until it goes into effect and what if we continue to received unsolicited calls? Takes 31 days for your DO NOT CALL request to go into effect . . . if the call continue—file a complaint at www.donotcall.gov Contact the BBB 24 hours a day (409) 835-5348 (800) 685-7650 www.bbb.org

Senior Celebration Set for November 1

5/18/2010

Posted on 5/18/2010 by

The 13^th Southeast Texas SENIOR CELEBRATION and Consumer Expo is set for Thursday, November 1st, from 8:30am to 2:30pm at the Beaumont Civic Center. It’s an exciting day for adults of all ages. Admission is FREE! Parking is FREE! The event is brought to you in part by Home Instead Senior Care.

The Expo will feature over 100 booth exhibitors, BINGO, health screenings, a style show, celebrity models, special presentations, refreshments, classic cars, clowns, door prizes, lots of valuable information, and fun!

For further information, call 409/835-5951 x117 or debbiebridgeman@bbbsetexas.org. It’s the 13^th Southeast Texas SENIOR CELEBRATION & Consumer Expo, which is a project of the BBB Consumer Education Foundation.

To see photos from last year, visit: http://www.facebook.com/media/set/?set=a.404762784968.55107.30670389968&type=3

From FOX 4 & KSET: OnLine Degree Programs – Real or Fraud?

5/18/2010

Posted on 5/18/2010 by

Earning a degree without leaving your home is becoming widely accepted, as online universities are gaining students. They are capitalizing on the popularity of distance learning opportunities and are using the Internet to recruit students into their programs. Most of them are legitimate, but some are not, and are simply “diploma mills.” Here is help to know the difference.

1. How are students lured into enrolling into these fraudulent diploma mills?

Telemarketers follow-up on email requests & website visits . . . they advertise in magazines, Internet newsgroups & on impressive looking websites . . . prey on people’s lack of knowledge and confusion about accreditation . . .often advertise as being “fully-accredited,” “nationally accredited,” or “accredited world-wide” . . . if accredited -- unrecognized or bogus agencies.

2. How can you tell the difference in legitimate online universities and diploma mills?

Red flags -- degrees that can be earned in less time than at a traditional college . . . list of accrediting agencies that sounds "too” impressive . . . place heavy emphasis on college credit for life-time or real world experience . . . tuitions paid on a per-degree basis . . . little or no interaction with professors . . . names that are similar to well known reputable universities.

3. Where can individuals verify if a school is operating legally?

Contact the Better Business Bureau at (409) 835-5348 or (800) 685-7650 24 hours a day for a reliability report, or check them out online at www.bbb.org.

From FOX 4 & KSET: Homework for Home Improvements

5/18/2010

Posted on 5/18/2010 by

Be selective in deciding which contractors to hire . . .

1. When building or remodeling -- What should we “not do”?

Jump at quotes that appear “too cheap”; Sign agreement until you have read and understand it; Be pressured for an immediate decision; Pay for entire job in advance or pay cash to a sales person; Sign a completion certificate until inspected and completed per contract.

2. When building or remodeling -- What should we “do"?

Check out contractors with the Better Business Bureau 24 hours a day -- (409) 835-5348 -- (800) 685-7650 -- www.bbb.org; Get at least three bids; Comparison shop . . . verify credentials, licensing, insurance, and bonds; Check building codes and zoning; Include all terms, conditions, warranties, payment schedules, and oral promises in written contract.

Avoid Moving Scams this Summer: AMSA and BBB Offer Advice on How to Protect Your Move

5/10/2010

Posted on 5/10/2010 by

Beaumont, TX – May 10, 2010 – 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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.

From KFDM "Live at 5": Homework for Home Improvements

5/10/2010

Posted on 5/10/2010 by

Summer is a great time for remodeling and home improvements. These tasks are big investments! However, most consumers spend less time selecting a contractor than they do buying a new automobile. Inadequate communication and possibly getting in too big of a hurry brings about unnecessary heartache and expense. The BBB has some important “do’s and don’ts” to keep in mind when finding a contractor.

Be selective in deciding which contractors to hire . . .

1. When building or remodeling, what should we “not do”?

Don’t --

1. Jump at quotes that appear “too cheap”.

2. Sign an agreement until you have read and understood it.

3. Be pressured for an immediate decision.

4. Pay for the entire job in advance or pay cash to a sales person.

5. Sign a completion certificate until inspected and completed per contract.

2. When building or remodeling -- What should we “do”?

Do --

1. Check out contractors with the Better Business Bureau 24 hours a day -- (409) 835-5348 (800) 685-7650 www.bbb.org

2. Get at least three bids.

3. Comparison shop to verify credentials, licensing, insurance, and bonds.

4. Check building codes and zoning.

5. Include all terms, conditions, warranties, payment schedules, and oral promises in written contract.

From FOX 4 and KSET: Check Fraud is a Growing Problem!

5/10/2010

Posted on 5/10/2010 by

Check fraud is increasing daily in the United States and the FBI estimates that total losses from all sources are at over $5 billion each year. How can you protect yourself? How can you protect your loved ones?

1. What is the leading form of check fraud occurring among the average consumer and why?
The leading form of check fraud comes primarily from unauthorized checks. Someone who knows your checking account number can use it without your written authorization to withdraw money from your account. And new technology allows scammers to make accurate forgeries or counterfeits of checks . So, guard your checks like cash!

2. What can we do to help prevent check fraud from happening to us?
Protect your checks like they are cash. Leave no room for check alteration -- write close to left margin, start numbers right next to the $ sign, fill blank spaces with wavy lines, write in ink, and if you make an error, destroy it and write out a new check. Keep receipts, check your bank statements promptly, and use an ATM/check card instead of checks.

3. Who is responsible for such fraud?
First, report any alterations or unauthorized use immediately to your bank- the contract you have with them will determine who will ultimately take responsibility, since banks vary. You may also wish to report the case to the Attorney General’s Office and/or the BBB.

4. What about further information?
Contact Better Business Bureau at (409) 835-5348
(800) 685-7650 or 24 hours a day at www.bbb.org.

Classic Chevrolet and Copy and Camera Technologies are the 2010 Torch Award Winners

5/10/2010

Posted on 5/10/2010 by

Beaumont, TX – May 5, 2010 – Classic Chevrolet-Cadillac of Beaumont and Copy & Camera Technologies in Beaumont and Lafayette are the winners of the 2010 Torch Awards for Marketplace Trust presented Tuesday night, May 4^th, by the Better Business Bureau of Southeast Texas during its 13th annual awards presentation banquet. The event was held at the Beaumont Civic Center.

Burris Transfer & Storage in Beaumont and R.O. Williams, Jr., owner of Republic Payment Plans, each received this year’s recognition as the “Friend of the BBB.” Brian Tracy, author, business consultant and advisor, was the keynote speaker.

Finalists for this year’s awards included: Classic Chevrolet-Cadillac of Beaumont, Entergy-Texas in Beaumont, and Jason’s Deli, headquartered in Beaumont, in the large business category; American Steam-A-Way of Port Neches, Anderson Ford Mercury in Cleveland, and Copy & Camera Technologies in Beaumont and Lafayette in the small business category. Classic Chevrolet-Cadillac in Beaumont was the large business winner and Copy & Camera Technologies in Beaumont & Lafayette was the small business winner.

Michael Clayton, President/CEO of the Better Business Bureau of Southeast Texas, was the Master of Ceremonies at this year’s award gathering. Bill Leger, Larry Beaulieu, Greg Bostwick, and Kelli Phillips of KFDM-TV, Kevin Steele, Jackie Simien, Brian Burns, and Ericka Harris of KBMT-TV, Greg Picazo and Beverly Brooks of KJAC-TV, Mike McNeill and Nick Kosir of KBTV-TV, Harold Mann of KLVI-AM, and Kevin Born of KCOL-FM introduced award finalists and announced the two winners.

Proceeds from the Torch Award for Marketplace Trust presentation banquet, and silent auction benefited the BBB Consumer Education Foundation, Inc., to support the endowed Better Business Bureau College of Business scholarships at Lamar University.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

2010 Torch Award for Marketplace Trust Winners

5/6/2010

Posted on 5/6/2010 by

Beaumont, TX – May 5, 2010 – Classic Chevrolet-Cadillac of Beaumont and Copy & Camera Technologies in Beaumont and Lafayette are the winners of the 2010 Torch Awards for Marketplace Trust presented Tuesday night, May 4^th, by the Better Business Bureau of Southeast Texas during its 13th annual awards presentation banquet. The event was held at the Beaumont Civic Center.

Proceeds from the Torch Award for Marketplace Trust presentation banquet, and silent auction benefited the BBB Consumer Education Foundation, Inc., to support the endowed Better Business Bureau College of Business scholarships at Lamar University.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

Photos:

Larry Culpepper and Jeff Landgrave with Copy & Camera Technologies

Bryan Case and Anthony Toups with Classic Chevrolet

Guest Speaker Brian Tracy with BBB President/CEO Michael Clayton

Click here to see more photos of the event on facebook.

Complaints to BBB Against Debt Settlement Companies On the Rise

5/5/2010

Posted on 5/5/2010 by

Beaumont, TX - May 5, 2010– Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Michael Clayton, President and CEO of the BBB in Southeast Texas. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences, and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began in late 2007. In addition to BBB, angry customers are also taking their complaints to their state Attorney General. Attorneys General from Florida, Maine, Texas, Idaho, Missouri, New York, Illinois, West Virginia, Vermont and Minnesota have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions—which has received more than 1,600 complaints alone in the last 36 months—and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. On Wednesday, Senator Charles Schumer (D-NY) introduced the The Debt Settlement Consumer Protection Act which seeks to “protect consumers from deceptive, abusive and financially injurious practices rampant in the debt settlement industry.”

Typically with debt settlement (also referred to as debt negotiation), the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It will usually take at least six months to a year before there is enough money to start settling accounts, and during that time the consumer will typically not be making payments to creditors. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, his or her credit rating will likely suffer as a result of not making required monthly payments.

Complainants to BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside—in one case as much as $15,000.

BBB warns families that are drowning in debt to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees – Beware of companies that require large upfront fees before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.
Promises that are too good to be true– Some companies might promise that they can reduce debt by more than half even before looking into the customer’s financial situation.
Claims that it’s a fast, easy and painless process. - Reducing debt through debt settlement takes time—often years—and can have a significant negative impact on the customer’s credit score. It can also expose consumers to lawsuits and garnishments.

Before enlisting the help of a debt settlement company, BBB recommends that struggling consumers:

Contact their lender first. – Try to work out an agreement directly with your lenders before enlisting outside help.
Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or even no cost. You can find a credit counseling center near you at the National Foundation for Credit Counseling, www.nfcc.org.
Consider debt settlement only as a last resort before filing for bankruptcy. The debt settlement process can take years and have a severely negative impact on your credit rating and can limit your access to future credit. In the meantime, your credit card company or other creditors can decide to take you to court and garnish your wages. It is best to avoid these potential consequences if you have other workable alternatives to dealing with your debt.
Research the debt settlement firm with BBB first. Find out how many complaints it has received, how the firm responded to complaints and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler at www.bbb.org/credit-management/.

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust. To further promote trust, BBB offers complaint and dispute resolution support for consumers and businesses when there is a difference in viewpoints. The organization is also a recognized leader in developing and administering self-regulation programs for the business community, and, with respect to the advertising industry, does that through a joint venture in conjunction with National Advertising Review Council partners. The first BBB was founded in 1912. Today, 123 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

Complaints to BBB Against Debt Settlement Companies on the Rise

5/5/2010

Posted on 5/5/2010 by

The 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, the 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 Michael Clayton, BBB of Southeast Texas President and CEO. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences, and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with the BBB about debt settlement companies since the recession began in late 2007. In addition to the BBB, angry customers are also taking their complaints to their state Attorney General. Attorney Generals from Florida, Maine, Texas, Idaho, Missouri, New York, Illinois, West Virginia, Vermont and Minnesota have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions - which has received more than 1,600 complaints alone in the last 36 months - and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. 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.”

Complainants to the BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors - which led to mounting legal fees - and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside - in one case as much as $15,000.

The 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, the 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/.

Questions Raised on Narc That Car

5/5/2010

Posted on 5/5/2010 by

This 2-part story from I-Team reporter Dana Fowle of FOX5, Atlanta (WAGA-TV), raises questions about Narc Technologies of Dallas, doing business as NarcThatCar.com. The business recently changed its name to Crowd Sourcing International (CSI).

Independent consultants who are marketing the business opportunity tell Dana Fowle of FOX5 Atlanta that they won't name any clients who are buying the license plate information being collected.

Jeannette Kopko, spokesperson for BBB serving Dallas and Northeast Texas, notes that "If the plan is set up in such a way where, even if there's a product involved that is being sold, but the main way that you make money is by recruiting others into the plan rather than by selling the product, more than likely it's an illegal pyramid scheme."

Click on the links below to see each part of FOX5 Atlanta's story on NarcThatCar.com:

Part 1
http://www.myfoxatlanta.com/dpp/news/i-team%3A-narc-that-car-042910

Part 2
http://www.myfoxatlanta.com/dpp/news/i-team%3A-narc-that-car-pt.-2-043010

Click below to see the Better Business Bureau Reliability Report® on Crowd Sourcing International, formerly Narc Technologies and doing business as NarcThatCar.com:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

BBB Warns that Insurance Scams Are Flourishing in Current Economy

5/5/2010

Posted on 5/5/2010 by

In the midst of a tight economy and in the wake of the new national healthcare reform bill, State and Federal regulators are warning about a surge in healthcare-related scams. Better Business Bureau advises consumers to do their research before signing up for insurance coverage because their personal and financial health is on the line.

According to an October 2009 survey conducted by the Coalition Against Insurance Fraud, 57 percent of state fraud bureaus reported a higher incidence of health insurance fraud in 2009 compared to the previous year. The increase was largely attributed to “unauthorized entities selling fake coverage” and “the rise of medical discount plans.”

“Navigating the healthcare system can be a tricky maze and coordinating your physicians, prescriptions and insurance coverage isn’t always easy,” said Michael Clayton, BBB President and CEO. “One of the first steps to finding healthcare services that are a good personal fit, is to start with a provider you can trust.”

Companies such as HealthcareOne/Elite Healthcare, Consolidated Workers Association, and Smart Data Solutions/American Trade Association, have all recently come under fire from state regulators for peddling worthless coverage or discount medical plans—instead of actual insurance—to thousands of consumers.

Additionally, the new healthcare reform bill quickly sparked new scams; shortly after it was signed into law, the US Department of Health and Human Services issued a warning to consumers to beware of health insurance offers claiming to be part of new federal regulations. For example in Missouri, the state Insurance Director warned that a door-to-door salesman was claiming to be a federal agent selling insurance under the new law.

BBB recommends taking the following steps when shopping for health insurance coverage to avoid getting ripped off:

Research the company with BBB. Always check out the insurer’s BBB Reliability Report online at bbb.org. Reliability reports are available for free and will tell you how many complaints the business has received, whether there has been any government actions brought against the business, as well as BBB’s overall rating.

Confirm the company is licensed with the state insurance commissioner. Each state has a department devoted to regulating insurance companies. Make sure the insurer is licensed to operate in your state.

Read the fine print carefully. Make sure all verbal commitments are in the fine print. Don’t just take the company’s word for it. Also confirm with your pharmacist and doctor that they accept the plan you’re considering.

Recognize the difference between insurance and discount medical cards. Some consumers purchased what they thought was health insurance but was actually a discount medical card which could only be used to get reduced rates at limited doctor’s offices and pharmacies. Make sure you’re purchasing insurance coverage and not just a discount medical card.

Beware of copy cats. Some phony insurers will go by a name that is similar to a trusted company. Confirm that you’re really dealing with the right company that has a good reputation.

For more advice on finding healthcare companies and services you can trust, visit http://www.bbb.org/us/consumer-tips-health/

BBB Advice for Getting Deals on Collective Buying Sites

5/5/2010

Posted on 5/5/2010 by

Everyone is looking for ways to pinch pennies and collective buying Web sites are becoming an extremely popular option to save on goods and services from local businesses. Before signing up for the next big deal, Better Business Bureau recommends researching all businesses involved and reading the fine print thoroughly.

Collective buying sites have become increasingly popular in a short amount of time. Groupon.com, which is a BBB Accredited Business, is one of the pioneers of collective buying and has 2.6 million subscribers. According to Groupon, they have made 1.8 million transactions that saved shoppers 85 million in their relatively short history.

Collective buying sites typically offer one deal every day such as for products or gift cards redeemable at local businesses—including restaurants, retail stores and spas. If enough people sign up to buy it, they’ll get it at a significant discount. If not enough people are interested, the deal is canceled and no one is charged.

“Collective buying is a great way for businesses to attract new customers and for savvy consumers to land a great deal.” said Jay Sheppard, BBB spokesperson. “It can be a win-win situation for everyone involved as long as the customer does their research and understands all of the restrictions and stipulations.”

Before signing up for a deal on a collective buying Web site, BBB recommends that online shoppers:

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

Buy what you will use. While the idea of skydiving at half the usual cost sounds like a great deal, if you aren’t actually going to go through with it, you’re wasting your money. Focus on items and services you’ll use from stores and locations that are close by. If you experience buyer’s remorse, you might not have a way to get your money back.

Read the fine print—all of it. Don’t assume that every deal is like the next. The fine print on every offer is going to be different because every business has a different policy when it comes to eligibility, expiration dates, refunds, and black-out dates. Read the terms and conditions on the collective buying Web site, the specific terms and conditions listed with the offer and seek out the fine print on the business’s own Web site as well.

For more advice on being a savvy online shopper, visit www.bbb.org.

Narc That Car -- Questions Continue

5/5/2010

Posted on 5/5/2010 by

Questions are still being raised about a business opportunity from Narc That Car. Crowd Sourcing International (CSI), formerly known as Narc Technologies, claims that independent consultants can earn money by collecting information about car license plates, by recruiting more consultants, and by recruiting clients to buy the information.

Ed Laskos of FOX-11 Los Angeles reports on the "red flags" about Narc That Car. Jeannette Kopko, spokesperson for the Better Business Bureau (BBB) in Dallas, says the BBB hasn't received information about clients and "the BBB is very concerned that this company's marketing plan may be a pyramid scheme."

Click below to see the FOX 11 Los Angeles story:
http://www.myfoxla.com/dpp/news/investigative/narc-that-car-20100504

Click below to see the Better Business Bureau Reliability Report® on Crowd Sourcing International, formerly Narc Technologies and doing business as NarcThatCar.com:
http://www.bbb.org/dallas/business-reviews/multi-level-selling-companies/crowd-sourcing-international-in-dallas-tx-90236435

2010 Census Takers Knocking on Doors: Be Cooperative But Cautious

5/5/2010

Posted on 5/5/2010 by

The next phase of the 2010 Census begins in May and roughly 700,000 Census takers will start knocking on the doors of households that did not return their census form through the mail. BBB encourages anyone who didn’t return their form in the mail to prepare for a visit from a Census taker by learning what to expect and how to identify scammers.

The goal of the Census is to count every man, woman, and child in the country. It is a massive undertaking and unfortunately scammers are taking advantage of the situation by sending out bogus Census forms or knocking on doors and asking for sensitive information, such as Social Security numbers.

“The chances are slim that the census taker at your door is a scammer and it is very easy to identify a legitimate employee just by recognizing what they won’t ask or do,” said Michael Clayton, BBB President and CEO. “A Census taker will not ask for your Social Security, credit card or bank account numbers nor will he or she ask to enter your house for any reason.”

Census takers will visit households that didn’t respond by mail up to three times for a response, each time leaving a door hanger featuring a phone number for residents to call to schedule a visit. It costs the Federal Government, and ultimately the taxpayer, $57 for every visit a Census taker has to make to a household. BBB encourages everyone to work with the Census and respond promptly.

BBB answers the following frequently asked questions about receiving a visit from a census taker:

How can I identify a census taker?
First ask to see their ID. All census workers carry official government badges marked with just their name; they may also have a "U.S. Census Bureau" bag. If asked, he or she will provide supervisor contact information and/or the Local Census Office phone number for verification. The Census Bureau has also created a video on how to identify a census taker.

What kinds of questions will they ask?
The Census taker will ask the following questions:

The number of people living in the residence
Any additional people that might be living there as of April 1, 2010
Whether the residence is owned or rented
Telephone number (in case the Census Bureau has follow-up questions)
Name
Sex
Age and date of birth
Whether of Hispanic origin
Race
Whether that person sometimes lives somewhere else

Why might a census taker visit me if I mailed my form back?
Even if you mailed your form back, you might still get a visit—or a phone call—from a census taker. Reasons include if they are spot-checking for accuracy, have questions about your response or if you mailed your form in late.

Do I have to respond?
Yes. Your participation in the 2010 Census is vital and required by law. Not only do you have to respond, it’s in your community’s best interest that you take part. By responding, you’ll help your community get its share of more than $400 billion per year in federal funds to help increase job training, improve schools and more.

How safe are my answers?
All census responses are confidential; they are protected by law and not shared with anyone—including other government agencies like Immigration and Naturalization Services. All census takers have passed an FBI background check, taken an oath of nondisclosure and are sworn for life to protect the confidentiality of the data. The penalty for unlawful disclosure is a fine of up to $250,000, imprisonment of up to five years or both.

Will the census taker ask any questions other than what was on the mail-in form?
At any point in time, the Census Bureau is conducting a number of surveys in order to better understand the complexities of our nation. Therefore, you may be asked to respond to a survey that is not related to the 2010 Census. The topics include healthcare, employment and the demographics of your household. Before responding to a survey that claims to be with the Census Bureau, do your research on the Census Bureau’s Web site (“Are you in a survey?”) at www.census.gov/survey_participants/.

For more information on the 2010 Census visit 2010census.gov and advice from BBB on how to avoid scams at http://www.bbb.org/us/consumer-tips-scams/

BBB Small Business Advice: How Badly Does Your Business Need a Web Site?

5/5/2010

Posted on 5/5/2010 by

Even though consumers are more likely to use a small business that has a Web site, most small businesses still haven’t taken the time or money to create one. Better Business Bureau recommends that small business owners ask themselves four questions to help decide whether building a Web site should become a top priority.

According to Discover Small Business Watch, 47 percent of consumers surveyed say they are more likely to use a small business that has a Web site. Despite the fact that so many customers put stock in a Web site, most small businesses don’t have one. Discover Small Business Watch also found from a survey of small business owners that only 45 percent had a company Web site.

“A Web site is practically a necessity for attracting new customers in today’s marketplace, but many small business owners haven’t made the time or found the resources to create one,” said Debbie Bridgeman, BBB spokesperson. “Depending on your business and current online presence, a Web site might just be the key to surviving and even thriving in this tough economy.”

Small business owners should ask themselves the following questions when considering whether or not Web site development should become a priority:

Can customers find you online already? When local customers search the Internet using keywords such as your industry or even your business’s name, you need your company’s contact information, at the very least, to be listed in the top results. The results might be your business’s BBB Reliability Report®, a review of your business on Yelp, or a listing on Yahoo Local, City Search or Google Local. If you can’t find your business among the top results, neither can potential customers.

Does your competition have a Web site? If your competition is online, your business needs to be right there next to them. Many potential customers start and end their search online and may go with the first business they find that has an established Web presence. If that business is your competition, then you’re already losing the battle over new customers.

How is your online reputation faring? More often disgruntled customers are taking their anger out on businesses online. They might post an angry review on Yelp, create a video on YouTube, or even build a Web site dedicated solely to complaining about a business. If a chronically disgruntled customer is making a lot of noise about your business online, you can mitigate the damage to your business’s reputation by countering with your own Web site.

Could you expand your sales online? Some small businesses can get along fine with a basic Web site that explains their services, location, and hours of operation. If your business provides products through mail order, a Web site with the capability of receiving orders can provide an easy way to expand sales geographically to potential customers that are actively searching online.

For more advice on managing a small business on a tight budget, visit http://www.bbb.org/us/Business-Tips-Index/.

Avoid Petal Pushers this Mother's Day

5/5/2010

Posted on 5/5/2010 by

Loved ones who plan to send flowers for Mother’s Day should beware of “petal pushers.” These unscrupulous florists place bogus listings in local phone directories. When you call the local number listed, or given to you by the operator, you’re unknowingly forwarded to an out-of-town telemarketing company. The telemarketer takes your order and credit card information, and then forwards your order to an area florist. The telemarketer pockets a processing fee and usually a percentage of the total order. You don't know you've been scammed until you learn you've been charged more than you planned, then the flowers aren't delivered as ordered or worse -- not delivered at all.

Here are some tips from the BBB so you don’t get duped by petal pushers:

Ask family and friends for referrals to a florist they have used.
Check to see if a florist is a BBB Accredited Businesses at www.bbb.org.
If you find a florist from the phone book, look for a listing that includes a local address. When you call, ask for the directions to the store – if they hesitate or refuse, hang up.
Visiting the shop is another way to determine if the florist is reputable. Check the quality of the flowers and the overall quality of the business.
You can also ask for a guarantee. Most professional florists should have one.

For more tips, go to www.bbb.org or call (409) 835-5348 or (800) 685-7650.

Avoid Moving Scams this Summer

5/5/2010

Posted on 5/5/2010 by
Beaumont, TX - May 5, 2010 – 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).

Unfortunately, every year, BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

“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 Michael Clayton, President and CEO of the BBB in Southeast Texas. “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. Locally, the BBB in Southeast Texas has reliability reports for over 100 moving companies in the eight and a half counties it serves. 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.

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.

Avoid Petal Pushers this Mother's Day

5/5/2010

Posted on 5/5/2010 by

Here are some tips from the BBB so you don’t get duped by petal pushers:

Ask family and friends for referrals to a florist they have used.
Check to see if a florist is a BBB Accredited Businesses at www.bbb.org.
If you find a florist from the phone book, look for a listing that includes a local address. When you call, ask for the directions to the store – if they hesitate or refuse, hang up.
Visiting the shop is another way to determine if the florist is reputable. Check the quality of the flowers and the overall quality of the business.
You can also ask for a guarantee. Most professional florists should have one.

For more tips, go to www.bbb.org or call (409) 835-5348 or (800) 685-7650.

Consumers Nationwide Complain Kleargear.com Doesn’t Deliver

4/26/2010

Posted on 4/26/2010 by

Kleargear.com claims to offer products to "make your home and desk more fun with our desk toys, cool gadgets, stress relievers, games, cube decor, geek toys, and unique computer accessories." However, consumers across the country tell BBB that dealing with this company is anything but fun. BBB has issued an F rating to San Antonio-based Kleargear.com for failing to respond to consumer complaints. Click here to view the company’s current BBB Reliability Report™.

Consumer disputes received by BBB allege Kleargear.com does not deliver products purchased online in a timely manner and, in some cases, fails to deliver any product at all. Consumers further allege that attempts to contact the company go unanswered. In the past three years, 95 of the 123 disputes forwarded by BBB staff to Kleargear.com have gone unanswered, though some consumers later notified BBB they did eventually receive their products.

BBB warns consumers to use caution when shopping online and provides the following tips to shop safely.

Check with BBB first. BBB Reliability Reports™ are available free of charge and will tell you how the company responds to any consumer complaints received by BBB and the company’s overall letter-grade rating with BBB.
Determine the company's refund and return policies. Consumers should understand what circumstances allow for the return of a product or a refund of the purchase before buying. These details should be clearly stated on the seller’s Web site.
Confirm all purchase details. Check the full price of all purchases, including any shipping and handling charges and the terms of any product or service guarantees. Find out how long it will take to receive the 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 personal information. Only provide personal information, such as a credit card number, online in a secure environment. Look for the prefix “https://” in the URL box to be sure the site is secure.
Keep a paper trail. Print and keep a copy of any order or purchase confirmation. Any problems associated with payment or delivery of products can potentially be resolved more easily with proof of purchase information.

For more information on staying safe online or to find a trustworthy business, visit www.bbb.org.

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.

BBB Offers Steps Consumers Can Take To Reduce Unwanted Mail

4/26/2010

Posted on 4/26/2010 by
Beaumont, TX, April 26, 2010 - Consumers can protect themselves against identity theft and also protect the environment by taking steps to reduce unwanted mail, the Better Business Bureau (BBB) advises.

“Some forms of unsolicited mail can put consumers at risk of identity theft,” said Michael Clayton, BBB president and CEO. “Consumers can take control of their mailboxes by opting out of credit card offers, coupon packs and other types of unwanted mail.”

Reducing the volume of mail you receive can make a big difference in the amount of solid waste a household generates. The U.S. Environmental Protection Agency says that Americans throw away more than 4 million tons of mail a year. That garbage can be a gold mine for identity thieves.

Pre-approved credit card offers can be an easy target for identity thieves. They can steal incoming mail and use the offers to open fraudulent credit card accounts. Consumers can opt out of credit card offers for at least five years by calling 1-888-567-8688 or by visiting www.optoutprescreen.com. Your Social Security Number and birth date are required, but they are encrypted for your protection. The service is offered by the three major credit reporting bureaus.

Unsolicited mail that is addressed to children under 13 years old can be a sign that identity theft has occurred. If a child is getting unwanted mail, parents should contact the three credit bureaus and inform them of the situation. The credit bureaus and their numbers are:

Equifax: 1-800-525-6285.
Experian: 1-888-397-3742.
TransUnion: 1-800-680-7289.

Catalogs can easily overrun a consumer’s mailbox. Some catalog companies hand your address over to others, resulting in an avalanche of mail. You can ask individual companies to stop sending you catalogs by contacting them directly, or you can stop mass mailings by e-mailing Abacus, an alliance of catalog and publishing companies, at optout@abacus-us.com or by writing to Abacus Inc., P.O. Box 1478, Broomfield, CO 80038.

Some mail can be stopped by contacting organizations that represent direct marketers. In some cases, codes or addresses from the mail may be required to process a request.

The Direct Marketing Association, a trade group representing 5,200 companies that use telephone, mail and the Internet to pitch products directly to consumers, gives consumers the option to opt out of mail. Consumers can go to www.dmachoice.org. It can take six months for the solicitations to stop.

Consumers can stop mailings of coupon packs by filling out an online request at www.coxtarget.com/mailsuppression/s/DisplayMailSuppressionForm or by contacting the sender of the packs.

To stop “resident” or “occupant” mailings, consumers can contact Valassis, formerly known as ADVO Inc. by calling 1-888-241-6760, by sending a written request to ADVO Inc. Customer Assistance, P.O. Box 249, Windsor, CT 06095 or by going to www.advo.com/consumersupport.html.

For more advice on protecting yourself from identity theft or to check out a business or charity, go to www.bbb.org or call 409-835-5348.

From FOX 4 and 1300 AM KSET: Travel-related Fraud is on the Rise

4/26/2010

Posted on 4/26/2010 by

Vacation scams cost consumers over $10 billion each year. Out of the 3900 industries the BBB monitors, the travel industry consistently ranks in the top 25 for number of complaints. Your BBB has some tips to consider when booking a vacation.

1. What are some Signs of a Scam?

Unsolicited telephone calls, e-mails, direct mailings or internet pop-up advertisements that advertise rock-bottom prices, but hide fees until contracts are signed or initial payments are made. They include hidden restrictions such as blackout dates at resorts, and fees on certain travel dates. Many of these require you to sit through a timeshare pitch at the destination. Watch out for ads saying you won a “free” trip and must call a number to claim prizes or offers of a “free” travel club membership.

2. How do you Protect Yourself?

Gather Information. Don’t be fooled by professional looking Web sites or e-mails. Few legitimate businesses can afford to give away products and services of real value or substantially undercut other companies’ prices.

Ask detailed questions and get it in writing. Get names of airlines, hotels, car rental companies and travel providers. Consider contacting these businesses directly to verify arrangements. Always ask for confirmation of your travel arrangements in writing and ensure you receive copies of cancellation and refund policies

Pay with a credit card and avoid deals that require you to book 60 days in advance. Credit card companies may allow consumers to dispute a charge within 60 days of purchase.

3. If you are a victim of fraud, contact the BBB . . .

(409) 835-5348, (800) 685-7650, or online at www.bbbsetexas.org.

BBB Advises Parents To Visit, Check References On Summer Camps

4/22/2010

Posted on 4/22/2010 by
April 22, 2010 – Summer camps put out glossy brochures and idyllic descriptions to convince parents that their camps are the best place for children once school is out for the summer. 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.

“Great camps do far more than provide activities that keep children busy during the day,” said Michael Clayton, president and CEO of the BBB in Southeast Texas.

“Parents need to visit camps to check out physical facilities, ask about the staff’s training and experience and find out how a camp will handle medical emergencies,” Clayton said.

When choosing a camp, parents need to use the same care and common sense they would use in evaluating a day care program. 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.

Some camps, such as those organized around a particular sport, are highly structured and stress development of specific skills. Others are more flexible and give campers the opportunity to choose some of their activities. Your child’s interest and personality should be your guide in choosing an appropriate program.

Parents should ask how long a 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 standards for day and overnight camps may be different, but each should have your child’s safety and well-being as its highest priority. However, it is up to parents to make sure the camp is right for their child.

The BBB offers the following tips for parents:

Always visit the camp before submitting your deposit. Check its location and view the living, eating and recreational facilities. Ask about safety procedures (particularly for water activities, archery and out-of-camp trips), and assess the quality and commitment of the staff.
What are the total fees and payment deadlines? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation offered?
What is the camper return rate? The counselor return rate?
What is the camp director’s background? How is the staff trained? Are criminal checks made for employees and volunteers? What is the ratio of campers to staff members?
Are medical facilities adequate and is a nurse or doctor on site? What are the procedures for transporting injured or sick children to nearby medical facilities?
What are the safety rules and how are they enforced? Does the camp have appropriate insurance coverage?
Are family visits or other communications with campers allowed? How is homesickness handled?
Are references from parents of repeat campers available? Ask them about their child’s experience and why they recommend the camp.
Finally, look for camps that are certified by the American Camp Association. ACA-accredited camps have met up to 300 nationally recognized standards.
For more information on an individual camp or to check a BBB Reliability Report on a business or charity, call 409-835-5348 or visit www.bbb.org.

The Power of bbb.org

4/22/2010

Posted on 4/22/2010 by
What do American Idol, Craigslist, ESPN, iTunes and MSN have in common with BBB?

They're some of the Web sites with a Google PageRank of 8 (out of 10).

Let us explain how great this is for you as a BBB Accredited Business.

Google's Web site states: "PageRank reflects our view of the importance of web pages by considering more than 500 million variables and 2 billion terms. Pages that we believe are important pages receive a higher PageRank and are more likely to appear at the top of the search results."

What does this mean for you?

This means that when people do a search for plumbers, accountants, lawn services, insurance agents, mechanics, financial planners or any of the 1,700 other industries in our database, the chances that YOUR BBB Reliability Report shows up on the first page of the search results is pretty good.

Your BBB Reliability Report includes your status as a BBB Accredited Business, your letter grade rating, information about complaints and how they were resolved and contact information, including a link to your Web site if you’ve provided it.

These links are typically expensive: sites with rankings much lower than bbb.org often charge hundreds of dollars each year just to link from their site to yours.

Your BBB Accreditation fees include a link from bbb.org’s Reliability Report on your business to your Web site, at no additional charge. We’ve heard from several Accredited Businesses who have said that this link alone is well worth the Accreditation fees they pay each year.

Simply having a link from your BBB Reliability Report to your business’ Web site significantly increases the value of your business’ site and helps your page move up in search results. This makes it easier for consumers to find your business when they search online. (For an added push to help your customers find you, encourage them to download the free browser plug-in from Azigo!)

We will continue to work to improve bbb.org’s ranking as another way we seek to add value to your BBB Accreditation.

For additional information and advice you can trust, start with bbb.org.

BBB gives Healthy Online Services a Failing Grade

4/22/2010

Posted on 4/22/2010 by

April 21, 2010 – The Better Business Bureau (BBB) is warning consumers about Healthy Online Services, a company which sells weight loss supplements and other health products over the Internet. The company has an F rating with the BBB due to a pattern of complaints involving billing and customer service issues. The BBB has received over 300 customer complaints against the company since the beginning of this year.

Complaints filed through the BBB state customers are suddenly being billed months after signing up online for a free 14-day trial. Customers who have signed up to receive products at various Web sites operated by the company state that after paying shipping and handling, they were supposed to get their products and have the option of continuing on with their agreement after the trial period ended – incurring monthly charges – or canceling the agreement during the free trial period.

Many complainants allege Healthy Online Services is billing them even though they contacted the company during the trial period to cancel their agreement, and adding a $50 late charge despite the fact they had received no prior billings or contact from the company in the months since they opted out of the agreement. These customers also say the company is threatening to turn their accounts over to a collection agency. Some customers state they’re being billed for products they ordered and paid shipping and handling on, but never received.

Other customers who state they cancelled their agreement during their trial period say in their complaints they were unaware they had to return unused products and are now being billed by the company for failing to do so.

The company has provided responses to some customer complaints, others are still pending. They have generally responded by cancelling customer accounts and zeroing out their balances.

For consumers considering buying health products online, the BBB advises the following:

Before taking any weight-loss supplement or trying a new health product, be sure to consult a health care professional. Some Web sites offering products of this nature make unrealistic claims or give advice which could be damaging to your health. Make sure you know what you’re buying and that the claims marketers are making have basis in fact and won’t jeopardize your health
Check out the seller first. You can do so at www.bbb.org. When you’re researching companies, don’t just enter their name. You can also do advanced searches using phone numbers and Web addresses. Remember, the more fantastic the health claim, the greater the odds customers somewhere have been disappointed by the product
Make sure you understand all the terms of any offer you receive. Many times important information (such as future billings which will commence if you fail to cancel within a given timeframe) is buried deep in the fine print, or else you have to click through multiple links to gather all the information you need to evaluate the offer. If you have concerns about an offer you receive, trust your instincts. If something doesn’t feel right, take a step back and do some more investigating
Finally, consumers shopping online should look for the BBB seal on Web sites and click on the seal to confirm its legitimacy

The Better Business Bureau is a private, non-profit organization providing services to consumers and businesses. The focus of the Bureau’s activity is to promote an ethical marketplace by encouraging honest advertising and selling practices, and offering dispute resolution. For more information on the Better Business Bureau, visit the www.southeasttexas.bbb.org or call 409-835-5348, toll-free (800) 685-7650.

BBB Lunch & Learn: Attitude – Your Biggest Asset

4/19/2010

Posted on 4/19/2010 by

Training Opportunities

Provided by the Better Business Bureau

Attitude – Your

Biggest Asset!

Enhancing the Most Important Quality

for Success in Life & Career

Thursday, May 20

MCM Elegante’ Hotel & Conference Center – Fountainview Room

IH-10 West at the Washington exit in Beaumont

Delicious Lunch Served Promptly at 11:30 AM

Training Begins at 12 Noon and Concludes No Later than 1:00 PM.

A special opportunity for managers, supervisors, human resource personnel, administrative assistants, support staff, sales people, and others seeking to be more effective and productive in life and career

Training will include . . .

· Discovering the differences between skills and attitudes

· Learning how our attitude is communicated

· Being challenged to develop and impact attitude and be more successful

· Discovering the three basic attitudes and their characteristics

· Learning and implementing eight “attitude-builders” that will change your life

Registration includes lunch, training materials, networking opportunities,

and 60 minutes of fast paced learning and professional development.

$35 per person through May 6 . . . afterwards seats increase to $40.

Advance reservations are required. Checks and major credit cards accepted.

No cancellations or refunds after May 12.

Call (409) 835-5951 x 117 today to reserve your seats!!

or email debbiebridgeman@bbbsetexas.org or fax your request to (409) 838-6858

Michael Clayton, Your Presenter/Trainer

President/CEO of the Better Business Bureau of Southeast Texas for nearly 14 years
Facilitated hundreds of seminars and training opportunities
Addressed more than 5,000 audiences in 41 states, Canada and overseas
Certified Seminar Leader (CSL)
Professional member of the National Speakers Association and American Seminar Leaders Association
Certified Ziglar Performance Group trainer.

“Michael Clayton is a well kept secret in southeast Texas! I have been to seminars across the country and today I discovered the BEST is right here! Michael Burrow, Retired Chairman & CEO

ENGlobal Corporation

Houston & Beaumont, Texas

“Michael Clayton is a multi-talented, integrity-based individual with an outstanding reputation for his effectiveness in whatever he does. We’ve known and worked with Michael for a number of years and have always been impressed with his spirit, his ability, and his commitment to excellence. He gives a rock-solid presentation, has great speaking and people skills, and not only has something to say, but says it well. He is a seasoned communicator with a passion for positively impacting lives.” Zig Ziglar, Chairman

Ziglar Training

Addison, Texas

“Michael Clayton has a real gift in his ability to relate to his audience and speak to where they are coming from.”

Kenneth Hunter, Chief Postal Inspector (Retired)

United State Postal Service

Washington, DC

Don’t Delay! Space is Limited! Make Your Reservations Today!!

Improve yourself, your professional future,

and reward members of your team with this growth opportunity!

May ‘Lunch & Learn’ Sponsors:

Future 2010 Growth Opportunities

Thursday, August 19

“Turning Customers into Raving Fans!”

Qualities and Characteristics that Provide Exceptional Service

Thursday, November 18

“The Power of Goal-Setting!”

Making Dreams Come True . . . Both Personally & Professionally

Make Your Reservations Now for All 2010

‘Lunch & Learn’ Training and Networking Events

BBB and Capital One Partner to Help Cardholders Manage Credit Wisely

4/19/2010

Posted on 4/19/2010 by

Beaumont, TX – April 19, 2010 – 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 Michael Clayton, President/CEO of the Better Business Bureau in Southeast Texas. “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/.

For more information, visit www.bbb.org or call 409/835-5348 or 800/685-7650. At Capital One, contact Shelley Solheim at 917-589-6203 or shelley.solheim@capitalone.com. Capital One ... BBB Accredited in Southeast Texas since 1977.

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports^® and charity BBB Wise Giving Reports^®, and educational information on topics affecting marketplace trust. To further promote trust, BBB offers complaint and dispute resolution support for consumers and businesses when there is a difference in viewpoints. The organization is also a recognized leader in developing and administering self-regulation programs for the business community, and, with respect to the advertising industry, does that through a joint venture in conjunction with National Advertising Review Council partners. The first BBB was founded in 1912. Today, 123 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

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.

Classic Chevrolet-Cadillac and Copy & Camera Technologies Winners of the 2010 BBB Torch Awards for Marketplace Trust

4/13/2010

Posted on 4/13/2010 by

Proceeds from the Torch Award for Marketplace Trust presentation banquet, and silent auction benefited the BBB Consumer Education Foundation, Inc., to support the endowed Better Business Bureau College of Business scholarships at Lamar University.

For more information about BBB, visit www.bbb.org. In Southeast Texas, call 409/835-5348 or 800/685-7650.

BBB Warns Businesses About New Phishing Attack

4/12/2010

Posted on 4/12/2010 by

Beware of fake complaint reports coming from seatac@bbb.org.

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.

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

A copy of the actual e-mail follows:

From FOX 4 and 1300 AM KSET: You Don’t Always Have 3 Days to Cool Off!

4/12/2010

Posted on 4/12/2010 by

The long established “3-Day Cooling Off ” rule, which relates to purchases, returns and refunds, has been in effect for many years. But still, many consumers are confused about how it benefits them. The BBB in Southeast Texas would like to help you better understand and use this “Cooling Off” opportunity.

1. What is the 3 Day Cooling Off Rule?

Established by the Federal Trade Commission, the rule gives a consumers three business days to change their mind about any $25 or more purchase that has been made:

· In their home

· At a party given in a private home for a consumer product

· Out of rented hotel or motel rooms

· At a restaurant or in any number of temporary locations.

2. What are some examples where it does not apply?

· Sales made at the seller’s usual place of business, i.e., retail store or car dealer’s showroom

· Sales made by mail, phone or online

· Sales of less than $25

· Sales of real estate, insurance or securities . . .

· Emergency home repairs.

3. What can a consumer do to receive specific information on the

“3 Day Cooling Off Period?”

Call the Better Business Bureau 24 hours a day at (409) 835-5348 or (800) 685-7650 or view the BBB website at www.bbb.org to hear or read a consumer protection tip on the subject.

Vacation Rentals for the Budget-Traveler

4/7/2010

Posted on 4/7/2010 by

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. Better Business Bureau advises vacationers to do their research before booking rentals because sometimes the properties are not as advertised.

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 respondents 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 vacation rental according to a report by HomeAway, an online vacation rental company.

“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,” said Michael Clayton, President and CEO of BBB in Southeast Texas. “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.”

There are many different Web sites that travelers can turn to for finding a vacation rental. Some companies specialize in connecting renters and vacationers—and take a cut for their efforts—while other sites cut out the middleman and potentially some consumer protections like money-back guarantees.

BBB offers the following advice to travelers looking to save money with a vacation rental:

Start Planning Now. Rental properties in popular locations get snatched up quickly so start your search early before all of the best properties are booked.

Do your Homework. 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 BBB first at bbb.org.

Manage Your Expectations. A home rental is not a hotel so you can’t necessarily expect the same level of professionalism, cleanliness or modernization. Some companies will guarantee that the property meets your expectations. If a guarantee isn’t being offered, consider 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. Don’t be tentative about asking plenty of questions about the property.

Get it all in Writing. Make sure that all of the verbal agreements are included in the rental contract including details on the deposit, rules on pets, refunds, and what is included in the cost of the rental such as utilities, internet, etc.

Use a Secure Form of Payment. Do not send money until you’ve signed the rental agreement and never pay via money wire, such as through MoneyGram or Western Union. When possible, use a credit card which can provide some amount 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 international waters.

More tips for the budget-savvy traveler can be found at http://www.bbb.org/us/consumer-tips-travel/.

New EPA Rules on Lead-Based Paint Requires Certification and Training by April 22

4/7/2010

Posted on 4/7/2010 by

A new Federal rule goes 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.

“Hundreds of thousands of businesses including contractors, painters, and even neighborhood handymen will be affected by the new rules on lead-based paint safety and failure to comply is definitely not worth the risk,” said Michael Clayton, BBB President and CEO. “Not only could you face fines up to $37,500 per violation if you’re caught ignoring the law, you’ll lose customers and, worst of all, potentially endanger the health of the children who occupy the building.”

The new Renovation, Repair and Painting Rule will go into effect April 22. Firms affected by the rule will be required to:

A) 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.
B) Assign a Certified Renovator to be present at each project and ensure that lead safe work practices are used throughout the project.
C) 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.

BBB answers the following frequently asked questions on the new
Renovation, Repair and Painting Rule:

Who must become certified?
The rule covers any person or firm that performs renovations for compensation. This includes contractors, home renovation companies, window replacement contractors as well as plumbers, electricians, painters, maintenance workers and landlords who perform repairs and renovations themselves.

What types of buildings does the rule apply to?
The rule applies to any residential property built before 1978. The rule also applies to any public building or commercial building built before 1978 where children under the age 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 has advice and tips for small business owners on hundreds of topics at http://www.bbb.org/us/Business-Resources/

iPad Test Scams Rip Off Consumers, BBB Warns

4/7/2010

Posted on 4/7/2010 by
Beaumont, TX, April 26, 2010 – Scammers began devising ways to take advantage of Apple Inc. fans months ago, long before the release date for Apple’s iPad tablet computer, the Better Business Bureau (BBB) warns. Eager buyers should be wary if they’re told they can get a free iPad by becoming a “tester.”

Apple announced the iPad in January and U.S. customers were able to pre-order in March for the April release. Because Apple bumped the delivery date for later orders, rumors started circulating that the company did not have enough iPads to meet pre-order demand.

“It was inevitable that scammers would take advantage of the excitement over the iPad to rip people off, just like they did with the iPod and the iPhone,” said Michael Clayton, president and CEO of the BBB in Southeast Texas.

“Bogus offers most commonly claim you can become a tester or researcher and get an iPad for free. This deal sounds - and definitely is - too good to be true.”

Tech website GeekSugar.com recently warned about spam e-mails requesting iPad product testers. The e-mail directs recipients to the website Testitandkeepit.com, which claims to be seeking people to test the iPad for a couple of months. As compensation, testers get to keep the iPad. The biggest red flag with this offer is that you have to provide your e-mail address and password to “tell your friends,” who could also then become victims.

On Facebook, offers to become a tester had a different intent. As software company Sophos explains in an online video, the Facebook page “iPad Researchers Wanted—Get an iPad Early and Keep It” was designed to trick people into signing up for a cell phone subscription service that cost $10 a month. Sophos alerted Facebook to the page—which had already racked up more than 3,500 fans—and it was taken down. Users should be on the lookout for similar offers.

Not all bogus offers come under the guise of becoming a tester. McAfee reported on its security blog that spam e-mails have landed in inboxes offering free iPads. The catch is that you have to buy items first and provide your credit card number.

If you’re planning to buy an iPad, the BBB recommends shopping through an authorized retailer or directly with Apple. Eventually, a secondary market for the iPad will spring up online on sites like Craigslist. If you plan on buying an iPad secondhand, purchase it from someone local and never wire money as payment.

For more advice on how to be a smart online shopper, visit www.bbb.org.

Citizens Contact BBB with Safety Fears About Lengthy Census Form

4/7/2010

Posted on 4/7/2010 by

Beaumont, TX April 7, 2010 – Better Business Bureau has received calls from concerned people across the country who received a Census form in the mail that asked personal questions involving their income range and employment situation. BBB advises consumers that, while most will receive a short 10-question 2010 Census survey form, they should not be alarmed if they are chosen to respond to the 69-question American Community Survey (ACS) as well.

The 2010 Census form has 10 questions covering basic information while the ACS has 69 questions on topics such as income, household expenses, employment, education, and work commutes. Some individuals who received the ACS in addition to the 10 question form contacted their BBB over concerns that the form was actually the work of scammers.

“Everyone in the country has been prepped to expect the simple 10-question survey in their mailbox and red flags automatically go up when they receive the longer and more personal American Community Survey,” said Michael Clayton, President and CEO of the Better Business Bureau in southeast Texas. “While the questions in the ACS might seem invasive, especially when compared to the 10-question form, responding to the survey is safe, important and required by law.”

BBB reminds consumers that the American Community Survey and the 2010 Census will never ask for donations or bank account, Social Security or credit card numbers. The Census Bureau may contact you by mail or phone, but will not send you unsolicited e-mails requesting sensitive personal information.

Following are a few answers to frequently asked questions to BBB about the American Community Survey:

How many addresses receive the ACS?
The ACS is sent to a random sample of approximately 3 million addresses per year, or approximately 250,000 each month of the year. This means that approximately 2.5 percent of the population will receive the ACS in any given year.

If I received both the 10-question survey and ACS do I need to respond to both?
If you receive both the 10-question form and the ACS, you are required by law to respond to both.

The questions seem to get personal, are my answers safe?
Responding to the ACS is safe and your personal information will not be shared with anyone, including other government agencies.

Why does the federal government need to ask me so many questions?
In addition to needing population counts, communities need data about the well being of children, families, and the elderly to provide services to them. The information you provide on the ACS not only helps your community get its fair share of federal funds, but also to establish goals, identify problems and solutions, and measure the performance of programs.

I received a survey from the federal government, but it isn’t the ACS or the 2010 survey. Is it legit?
At any point in time the US Census Bureau distributes a number of different surveys to the American public and the topics and length vary. Before responding to a survey you received in the mail that claims to be with the Census Bureau, do your research on the Census Bureau’s Web site (“Are you in a survey?” Link) at www.census.gov/survey_participants/.

Who do I contact if I have questions or could use help filling out the ACS?
If you need help completing your American Community Survey questionnaire or have other questions about the American Community Survey, please call 1-800-354-7271 for an English-speaking operator. If you prefer a Spanish-speaking operator, call 1-877-833-5625.