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Don’t get Heated by High-Pressure Door-to-Door Salespeople

5/17/2012

Posted on 5/17/2012 by

Don’t get heated by high-pressure door-to-door salespeople

BBB warns consumers about aggressive door-to-door salespersons showing up at your door this summer

AUSTIN, Texas – May 18, 2012 – After receiving hundreds of complaints against companies using aggressive door-to-door sales tactics to pressure consumers into buying bogus or misleading products, Better Business Bureau is issuing an alert about such companies. The issues range from magazine subscriptions that were paid for but never delivered, to food products that were not of the high quality originally promised.

During the summer months, BBB routinely receives complaints from consumers against businesses that employ aggressive door-to-door selling techniques. Some examples of high pressure sales tactics include hostile and persuasive rebuttals to consumer concerns, deep discounts offered upon immediate payment and refusal to take “no” for an answer.

While many businesses utilize door-to-door marketing tactics, BBB reports the following industries consistently garner a high number of complaints during the summer months:

Magazine subscriptions: BBB has already received more than 600 complaints in 2012 against companies selling magazines door-to-door. The most common complaint BBB receives involves consumers paying for magazines they never receive. Furthermore, several consumers allege the sales representative misled them by claiming to work for a local school or charity on a fundraiser.

Food products: Sales representatives knock on doors selling produce or meat products, claiming their prices are much lower than grocery stores. So far in 2012, BBB has received 25 complaints against companies selling meat products door-to-door. Consumer complaints to BBB allege that their orders never arrive, or are not of the high quality originally promised.

Other industries employing door-to-door sales tactics that BBB receives complaints about are cosmetics, photography and cleaning supply companies.

If visited by a door-to-door sales representative, BBB recommends consumers do the following:

· Be safe. Ask for identification before you open the door.

· Be wary of high pressure sales tactics. A trustworthy company should let you take time to think about the purchase and compare prices before buying or putting down a deposit.

· Research the company with BBB. Visit bbb.org to view the company’s Business Review to find out more about the company’s marketplace performance. If you have a smart phone, you can download and use the BBB app to access the company’s report while the person is standing at your door, or visit m.bbb.org.

· Get transaction details in writing. Be sure you receive a contract or receipt explaining the details of your purchase and all the terms and conditions that apply.

· Remember the “Three-Day Cooling-Off Rule.” The Federal Trade Commission’s Three-Day Cooling-Off Rule gives consumers three days to cancel purchases of more than $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, the salesperson should always provide a cancellation form that can be sent to the company to cancel the purchase within three days. By law, the company must give consumers a refund within 10 days of receiving the cancellation notice.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Celebrates National Small Business Week

5/17/2012

Posted on 5/17/2012 by

BBB celebrates National Small Business Week

AUSTIN, Texas – May 17, 2012 – National Small Business Week is May 20 – 26 and Better Business Bureau is taking this opportunity to celebrate the growing number of small businesses in our country.

According to the U.S. Small Business Administration, 60 to 80 percent of new jobs are created by the approximately 27.2 million small businesses in the U.S. It is estimated that more than half of Americans either own or work for a small business.

In honor of National Small Business Week, BBB is encouraging small business owners to take advantage of the many resources both BBB and the Federal Trade Commission have available:

BBB Code of Business Practices
The BBB Code of Business Practices represents sound advertising, selling and customer service practices that enhance customer trust and confidence in business. This Code should be a roadmap for creating and managing a trustworthy business.

BBB Code of Advertising
100 years ago, BBB was founded on the principles of truth in advertising, which rests first and foremost with the advertiser. BBBs review local advertisements and work with companies to adhere to the BBB Code of Advertising, which lays out principles, definitions and suggestions for ethical advertising that all businesses can adopt.

BBB Tips on Direct Selling
BBB and the Direct Selling Education Foundation partnered to create 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.

Federal Trade Commission
Planning to use an email to publicize your company? Thinking about buying a franchise or business opportunity? 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: ftc.gov/bcp/business.shtm

To see how BBB serving Central, Coastal, Southwest Texas and the Permian Basin is celebrating and honoring small businesses, visit: austin.bbb.org/events-calendar.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t be Pestered with Pests this Summer

5/14/2012

Posted on 5/14/2012 by

Don’t be pestered with pests this summer

BBB reports summer months are peak periods for pest control services

AUSTIN, Texas - May 14, 2012 – As temperatures start to warm up, bugs and other pests will attempt to seek shelter in homes and office buildings. Better Business Bureau reports an increase in inquiries for pest control services during the months of May, June and July. So when the pest control job gets too big for a flyswatter, mousetrap or do-it-yourself spray, it could be time to call in a professional.

In the past year, BBB has received more than 80 complaints against pest control services with many of the complaints alleging treatments were not effective and pests were not fully exterminated. Other complaints allege issues over the final cost of the services or the payment process.

To help prevent pests from entering your home, make sure there are not any outside openings such as torn screens, cracks under the door or foundation issues. Homeowners should also check and reapply any worn out weather stripping around outside doors and windows.

If considering a professional service to help with your pest problems, BBB recommends the following:

· Start with trust. Check any pest control company’s BBB Business Review before signing a contract. Look at the company’s rating, how it has responded to past customer complaints and any advertising issues it may have had.

· Compare price quotes. Solicit bids from at least three different pest control companies before making a decision. BBB provides a free Request a Quote service to gather estimates from local BBB Accredited Businesses. Be sure to provide the details of the services you need, and keep in mind the lowest price may not always be the highest quality of service.

· Ask about safety and risks. Because pesticides and pest control strategies can be dangerous to touch or directly inhale, be sure to ask the company about the safety of the chemicals it uses. Let the company know if you have pets, children or sensitive plants as that may impact the products they select for your home.

· Read the fine print. Carefully go over any contract before you sign. Pay close attention to any warranties or termination fees if the contract is extended for monitoring or future services. Make sure any additional discounts or guarantees promised are included in the contract.

· Check for licensing and insurance. Make sure company meets state licensing requirements by verifying with the Texas Department of Agriculture. Also, be sure to ask for proof of the company’s workers’ compensation insurance and coverage for any potential property damage or personal liability.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Keep Mom in a Good Mood this Mother’s Day, Shop Wisely

5/10/2012

Posted on 5/10/2012 by
Keep mom in a good mood this Mother’s Day, shop wisely

Follow these BBB tips for successful Mother’s Day shopping

AUSTIN, Texas - May 10, 2012 – Mother’s Day is on Sunday, and whether you are ordering flowers, shopping for custom jewelry, or arranging a special spa day, Better Business Bureau wants you to be a smart consumer.

According to a survey conducted on behalf of the National Retail Federation, consumers are expected to spend an average of $152.52 on Mother's Day gifts, up about 8 percent from last year. Flowers and dining are the more popular ways to celebrate, with two-thirds of consumers buying flowers, and more than half going out to dinner or brunch.

In 2011, more than 96,000 consumers searched for trustworthy florists on www.bbb.org. Be sure to look for the BBB Accredited Business seal when shopping online. All online seals should directly link to the company’s BBB Business Review.

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

· Do your homework. Before making a dinner reservation, ordering flowers, jewelry or any other gifts for Mother’s Day, check out the company’s BBB Business Review at www.bbb.org.

· Confirm shipping and delivery. If having a gift shipped or delivered check with the retailer or on the website to be certain you have allowed enough time for delivery. Make sure the date is clearly specified and guaranteed.

· Pay with a credit card. It is best to use a credit card when shopping online, because under federal law the shopper can dispute the charges if he or she doesn’t receive the item.

· Make sure the business has your contact information. There are times when delivery instructions or dinner reservations need to be confirmed or a delivery driver needs additional directions. Make sure the company you are working with has a call-back phone number for you in case he or she needs to reach you.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Shred Day: More than 58 Tons Shredded and Recycled

5/8/2012

Posted on 5/8/2012 by
BBB Shred Day: More than 58 tons shredded and recycled

1,615 cars visit free BBB Shred Day events in Central Texas

AUSTIN, Texas - May 8, 2012 – Better Business Bureau Shred Day events resulted in 116,368 pounds of consumers’ confidential documents, computer parts and cardboard shredded and recycled. In addition, 10 boxes of old cell phones were recycled. Nearly 100,000 pounds of paper documents were safely disposed of by certified document destruction specialists in the following locations throughout Central Texas:

· Austin – 42,500 pounds
· Corpus Christi – 40,000 pounds
· Waco – 13,460 pounds
· Permian Basin – 4,000 pounds

“We are very proud to be able to expand BBB Shred Day beyond paper documents to include electronic items,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “It is a great service to the community and the environment when we keep these items out the hands of identity thieves and the landfills.”

A total of 1,615 cars visited BBB Shred Day events. To illustrate the impact that Shred Day had on local communities, the amount of paper documents shredded and recycled is saving the equivalent of:

· 850 trees
· 100 barrels of oil
· 349,860 gallons of water
· 204,918 kilowatt hours of electricity

BBB partnered with several local businesses and media outlets, and had a helping hand from numerous volunteers to make these events so successful. To sponsor or volunteer for future events, please contact BBB at 512-445-2911.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB and SMA Warn of Unscrupulous Movers During National Moving Month

5/3/2012

Posted on 5/3/2012 by
BBB and SMA warn of unscrupulous movers during National Moving Month

Texas passes new law providing consumers more protection from unlicensed, unethical movers

AUSTIN, Texas - May 3, 2012 – In an effort to increase awareness and educate consumers on their rights, Better Business Bureau and Southwest Movers Association have teamed up for National Moving Month.

Every year, both BBB and SMA receive complaints from consumers who have fallen prey to dishonest and, often times, unlicensed moving companies. In the past year, BBB has received 176 complaints against movers with most complaints alleging damaged or lost goods and final prices being in excess of original estimates. And in a too-frequent situation, some rogue operators hold consumers’ belongings “hostage” and require a higher fee than was originally quoted.

“Our main focus during this nationally declared moving month is to educate consumers and make them aware of their rights,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Moving is a big chore, and if you’re not working with a trustworthy mover, you could find yourself in a tricky situation.“

While the moving industry is already regulated, Texas recently enacted a new law which goes the extra mile in dealing with unregistered household goods transportation. In September of 2011, House Bill 1523 took effect. This bill imposes more stringent penalties on unregistered movers with multiple offenses of engaging or soliciting the transportation of household good for compensation.

“With more than 1000 people moving to Texas a day, it is imperative that we spread the message to consumers of their rights and the increased protection due to the new household goods enforcement law,” said SMA Executive Director John D. Esparza. “It is one of the most meaningful and significant changes protecting the industry and Texans in recent history.”

BBB and SMA recommend consumers follow these steps when planning for a move:

Plan ahead. Consumers should start planning their move at least six to eight weeks before their targeted moving date in order to have enough time to research and hire a trustworthy mover.

Do your research. Go to bbb.org and utilize BBB’s Member Pages to find a BBB Accredited Business or go to mytexasmovers.com to find additional licensed and registered moving companies.

Compare prices. Get at least three quotes from three different companies and be sure to provide each business with a list of your inventory in order to get the best price comparisons. Utilize BBB’s Request a Quote program to directly connect with BBB Accredited Businesses.

Take inventory. Consumers should make an inventory to go over with their mover before packing begins. Make sure all copies are legible and that all items are numbered, listed and described correctly to avoid confusion.

Verify insurance. Ask what type of insurance the moving company carries and how it plans to resolve things if there is any damage to your items. The minimum coverage required by federal law to cover moving liability for a consumer is $0.60 per pound per article and is usually included in an estimate. Consumers should also ask their mover for proof of workers compensation coverage and call the insurance company to verify the coverage.

Know who to contact. If a consumer feels he or she is a victim of a moving scam, in addition to contacting BBB, he or she should file a complaint with the Texas Department of Motor Vehicles or the Southwest Movers Association if their move was within the state of Texas. If the move is across state lines, complaints can be made to the Federal Motor Carrier Safety Administration.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Alleged bait-and-switch sours consumers’ opinions of Capitol Kia

5/2/2012

Posted on 5/2/2012 by
Alleged bait-and-switch sours consumers’ opinions of Capitol Kia

BBB warns those shopping for a car to be wary of Capitol Kia’s promises

AUSTIN, Texas - May 2, 2012 — It was advertised as the right car at the right price. Robert Munzer said funds were tight when he saw an advertisement for a base-model Kia Sorento for a great price at Capitol Kia in Austin.

Not wanting to waste his time, Munzer sent an email to the dealership asking if it still had that particular vehicle in stock. The company emailed back that it was. However, when Munzer arrived on the lot, the salesman told him the vehicle had sold out, and showed him a similar, but more expensive, car.

“What they were doing to me was, (saying) ‘We don’t have that one, but we’ll sell you this one for a discounted price,’” Munzer said. “But it was still $6,000 more than I was looking at.”

Munzer said he felt like the advertisement was a bait-and-switch offer.

Better Business Bureau is warning consumers to be wary of Capitol Kia’s promises after receiving numerous complaints about possible bait-and-switch tactics. In addition, the company has received complaints about other issues, 12 of which Capitol Kia did not respond to.

According to the FTC, bait-and-switch or “bait advertising” occurs when a business advertises or offers to sell a product or service that “does not intend or want to sell” (the “bait”). The business then attempts to sell alternate items or services (the “switch”), “usually at a higher price or on a basis more advantageous to the advertiser.”

BBB contacted Capitol Kia about the alleged bait-and-switch tactics reported by consumers twice in January. The company indicated it would respond to the allegations, but BBB never received that response.

In March, a BBB investigator called Capitol Kia to inquire about purchasing a base-model Kia Rio for approximately $14,000. Though the company’s website did not indicate any were in stock, the salesman said the dealership had several vehicles on the lot at that price and asked the investigator to visit the showroom in order to make a deal.

When the investigator arrived later that day, the salesman once again promised there were several Rios on the lot for around $14,000. He led the investigator around the entire lot, looking at different Rios, all of which were upgraded models that cost at least $15,500.

When he could not locate a Rio for the specified price, he promised the investigator he could make a “good deal” on the more expensive car, but could not get the price down to $14,000.

Even after the investigator told the salesman that she would not buy a more expensive car and prepared to leave the lot, he insisted that several $14,000 models must be on the way, and could arrive any minute. He said his inventory list showed several in-stock.

Munzer said he got a similar story about the Kia Sorento he intended to purchase.

“When I got there, they said, ‘Oh, it was sold last night,’” he said. “When corporate called me, (the representative told me) they hadn’t had that vehicle on the lot for months.”

Munzer said he continued to see the advertisement for the sold out model weeks after his visit. The general manager at Capitol Kia told him that the miscommunication occurred because the dealership was having trouble with its website.

While it is common for dealerships to sell out of an advertised deal, especially on a used-car lot, BBB is warning consumers to treat Capitol Kia’s promises with skepticism and walk away from any deal that does not meet the promised terms.

Additionally, when buying a new car from Capitol Kia or any other dealership, BBB offers the following advice:

· Research the dealership on bbb.org. View the dealer’s BBB Business Review to see its accreditation status, the length of time the auto dealer has been in business, its history of complaints and complaint resolution and any past advertising concerns BBB may have found.

· Test drive and inspect the vehicle. The dealer should have nothing to hide. If the salesman does not allow you to test drive the vehicle or allow a third-party mechanic to look it over, do not buy it.

· Read the contract carefully. Take your time to read and understand the entire written agreement. Be sure that all blank spaces are filled in, that all verbal promises are included, and that the type of warranty that comes with the car is spelled out.

When buying a used car:

· Understand the warranty. Most vehicles have at least a three-year or 36,000-mile basic manufacturer’s warranty, and often longer "power train" coverage on the engine and transmission. If you buy a car still under this warranty, this offers you more protections should something go wrong with the car. Just be sure to confirm the details of the warranty and whether it is fully transferable.

· Consider a certified, pre-owned (CPO) vehicle. These are vehicles that typically have been given multipoint inspections before being put on the lot. CPO programs are backed by many automakers and the vehicles may include an extended warranty on major parts such as the engine and transmission at no cost.

· Ask to see the car history. For a small cost, you can use a service to find the vehicle service and history report. Obtain the vehicle identification number (VIN) to check for accident reports, previous owners and why the vehicle has been taken to repair shops in the past. You can also check if certain items on the vehicle have ever been recalled. Many dealerships will provide this information at no cost.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Alleged bait-and-switch sours consumers’ opinions of Capitol Kia

5/2/2012

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Have You Claimed Your BBB Business Review?

5/1/2012

Posted on 5/1/2012 by

Enhance your company’s profile with BBB and ensure your information stays up-to-date

Consumers are turning to BBB more than ever before for information on local businesses. This year alone, your BBB has provided more than half a million reports to consumers looking to spend their money with trustworthy businesses. To ensure your company’s information is 100 percent accurate, take control of your BBB Business Review by claiming your listing today.

As a BBB Accredited Business, you have the ability to stand out from the crowd by uploading photos and videos to your BBB Business Review, as well as customize your business description, products and services and refund and exchange policy. You can also fine tune details about your business, such as hours of operation and the areas you serve.

Help your potential customers make an informed decision by keeping your information up-to-date. BBB staff will verify your business e-mail address is correct before publishing any changes.

Follow these simple steps to claim your BBB Business Review:

1. Go to centraltx.bbb.org

2. Click on Check out a Business or Charity

3. Enter your business’ name and click Search. Click on your company name to pull up your BBB Business Review

4. Hover your mouse over For Businesses in the blue bar and click Claim this Review

5. Enter your e-mail address and select No, I am new

6. Fill out your information and create a password

7. Follow the directions as prompted and use your verification code. This code is the same as your Members Only login password provided by BBB.

8. Log in and edit your business information

Need Help? Check out our step by step video tutorial located on the Sign In page or contact BBB Accredited Business Services at 512.445.4748 or info@centraltx.bbb.org.

Simple Steps to Create More Trust on Your Website

5/1/2012

Posted on 5/1/2012 by

Highlight your strengths and keep the message clear to attract new customers

As consumers become savvier with their pre-purchase habits, it is important for all businesses to make a solid impression online. Trust has to be earned before a consumer makes a purchase from a website. Small businesses can have the same impact on new customers as large corporations do by using their website to promote trust in their business.

In order to help your website send a trustworthy message to all consumers, BBB recommends the following simple steps:

Display the BBB Dynamic Seal
One of the best ways to send a clear message that your company is trustworthy is to display the BBB Dynamic Seal. The seal includes your BBB Rating along with a direct link to your BBB Business Review. If you have not installed the BBB Dynamic Seal, visit www.bbb.org/online/business/dynamicseal.aspx or call Accredited Business Services at 512-445-4748.

Keep Your Writing Strong and Concise
Many consumers do not want to read long blocks of writing when they visit a website. Instead of providing every detail about the products you sell on your website, highlight your services with short, strong sentences. Make sure someone in your office proofreads for typos or grammatical errors before publishing.

Include High Quality Pictures
Pictures are a great way to show the quality of work you perform, but if they are fuzzy, pixilated or too small, it can have a negative effect on how consumers perceive your business. Invest in a digital camera to produce higher quality photos which are much better than what you can take with a phone. A good camera model will cost around $100.

Embed Videos to Add a Personal Touch
Use videos to demonstrate your products, give a tour of your business or provide customer testimonials. Consumers visiting your website will feel like they have met you and your employees before they ever visit your business. The same digital camera you take pictures with will most likely have a video option that can work well in most settings.

Promote Secure Purchasing
According to a recent study from Internet security group, KikScore, 60 percent of consumers who did not complete an online purchase did so because they were not sure the website was secure. If your business accepts or collects payment through your website, be sure to highlight it is a secured transaction. Display a security seal or create a button or graphic which explains clicking on it will take the customer to a secured checkout page.

For more tips on promoting the trustworthiness of your business, visit centraltx.bbb.org/advantages-of-accreditation.

BBB Warns of Lenders ‘Promise of Quick Cash’

4/26/2012

Posted on 4/26/2012 by

BBB warns of lenders ‘promise of quick cash’

Austin City Council to consider stricter zoning restrictions on auto loan and payday lenders

AUSTIN, Texas - Apr. 26, 2012 – The Austin City Council is holding a public hearing today to consider a new ordinance which would put tighter restrictions on where payday and auto loan lenders can do business.

The ordinance would restrict lenders from operating within 1,000 feet of another lender and would require lenders be located in a free-standing structure. It would also prohibit them from operating in central East Austin and areas near Lady Bird Lake and the University of Texas, among other restrictions.

These restrictions go along with two new bills – House Bill 2592 which requires lenders provide certain disclosures to customers and House Bill 2594 which requires lenders obtain a license from the state – that were passed by the State Legislature last year.

To help consumers avoid high fees and scams, BBB offers the following tips:

· Beware of online lenders offering quick cash. Such lenders claim they are not bound by state and federal regulations and therefore, skirt many of the laws that protect consumers.

· Pay off the loan quickly. A $15 fee isn’t too high if you pay it only once. Extending the loan period means paying multiple fees, making it more difficult to pay down on the original loan amount.

· Do not pay a fee up front. Lenders asking for a fee before they provide the loan are not legitimate.

· Be wary of lenders asking for a wire transfer. Scammers will ask for this type of payment rather than allowing you to mail a check to avoid an additional charge of mail fraud.

· Check the lender’s name closely. Scammers will also use a company name similar to that of a reputable lender. The Texas Attorney General’s office filed suit against a company calling itself City Mortgage, which had no affiliation with Citibank or CitiMortgage.

· If it seems too good to be true, it is. Companies claiming to offer a low interest rate regardless of credit are not trustworthy, according to the Texas Attorney General’s office. The National Foundation for Credit Counseling or the Consumer Credit Counseling Service in your area can help you consolidate debt or get a loan despite poor credit history.

· Check the company’s rating. Visit BBB.org to check out a company’s rating and view customer complaints before dealing with a lender. Remember, the threat of identity theft is high since all lenders require personal information. Unscrupulous companies will use that to their advantage.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Consumers Say ‘No, Thanks’ to Thanks for the Memories Wedding Photography

4/26/2012

Posted on 4/26/2012 by

Consumers say ‘no, thanks’ to Thanks for the Memories Wedding Photography

BBB warns about Norman Garrett after receiving a dozen complaints

AUSTIN, Texas - Apr. 26, 2012 — Many brides dream of their wedding day for years. When it finally arrives, they want everything to be perfect, as this is a day they will remember forever.

A good wedding photographer can immortalize a wedding in beautiful pictures that can be passed down for generations. Unfortunately, some brides are telling Better Business Bureau that Thanks for the Memories Wedding Photography has scarred the memory of their wedding day.

“He wasn’t getting back to us,” Kim Williamson said of Norman Garrett, owner of Thanks for the Memories Wedding Photography. “He said he just got married and his dogs had died, just a bunch of different things.”

BBB has received about a dozen complaints about Thanks for the Memories. Most allege that Garrett did not deliver their photos in a timely manner.

BBB investigators tried twice in March to contact Garrett about the pattern of complaints, but received no response to either letter.

Williamson said she found Garrett at a bridal show in January 2011 and hired him to shoot her daughter’s wedding in May. After putting down a $1,000 deposit, she said she did not hear from Thanks for the Memories until just before the wedding.

“We hadn’t heard from him in a while and I was getting nervous,” she said. “I wish I would have gone with my instincts.”

She said the package she purchased included an album, a large wall-hanging print, a DVD of the photos and a second DVD with video clips. So far, she said, they have only received one DVD, though they sent in their choices for the wall print and the album in September.

“We sent (our choices) to him and we pretty much didn’t hear from him,” she said. “Then in December, we called him and he said he was having health issues; but I haven’t heard from him since then.”

Garrett has not responded to Williamson or BBB about her complaint.

Robert and Miriam Almanza said they did not have any problems with Garrett until months after their wedding. Like Williamson, they put down a $1,000 deposit. Miriam said the contract stated they would get their pictures 30 days after the wedding.

The original proofs took three months, Miriam said.

“We contacted him and it turned into a big argument,” she said.

At the wedding, the Almanzas said Garrett had equipment problems after the ceremony and did not get any usable photos of their walk out under sparklers and the horse-drawn carriage they hired to end the evening. They got those pictures from a family member.

Robert said Garrett wanted to charge them an additional $200 for the extra time he spent after the reception, which the Almanzas refused to pay.

“We told him that we were not going to do that because he didn’t get any good pictures of the sparklers or the horse carriage,” Robert said.

Once they worked out that issue, the Almanzas chose the images they wanted for the albums included in their contract. Once Garrett sent back the proofs, the Almanzas requested a few changes, then heard nothing from him for months.

When he finally contacted them, Garrett told them that his assistant now had all their photos and that the changes would cost extra because the assistant was now doing all the work. Once again, the Almanzas refused to pay the extra money and they still do not have their album, or the high-definition CD they were promised with all their images.

They said a family member of Garrett’s sent Robert a text message in March saying that Garrett was recovering from surgery, living in Florida and filing for bankruptcy.

“I’m most likely going to call him every day,” Robert said.

Williamson said Garrett’s former assistant told her he was living in Chicago. She paid Thanks for the Memories $2,300 for the photography package, and now wishes she would have done things differently.

“I think I would definitely talk to people more and maybe get their recommendations,” she said. “Or I would have used the photographer that the venue recommended.”

When hiring a wedding photographer, BBB offers the following tips:

· Research photographers. Ask for recommendations from family, friends and co-workers, and then check with the BBB for Business Reviews on the photographers you are considering.

· Schedule multiple interviews. Schedule interviews with two or three different photographers to get a feel for the types of services they offer, the quality of their work and related fees.

· Don’t be afraid to ask questions. Ask the photographer if he/she is the one who will photograph your wedding, and/or if the photographer works with an assistant. If so, is that included in the price? Ask about the difference in packages to find the right one for you and your needs. Make sure everything talked about and agreed upon is included in the contract.

· Pay with a credit card. Whenever possible, pay with a credit card rather than cash, check or debit card. This includes payment of deposits. Credit cards offer consumers added protection in the event of a problem.

· Obtain a written contract. Your contract should detail every service to be provided and the name of the photographer who will shoot your event; the location, date and time of all events; the type of package; and a list of guaranteed prices for enlargements and any additional charges, like taxes or travel fees. The contract should also specify what happens if your photographer doesn’t show up, how long the proofs and other products will take to deliver, as well as the cancellation/refund policy.

· Consider wedding insurance. Wedding insurance can help consumers gain peace of mind with the knowledge they can recoup funds when something goes wrong.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Better Business Bureau Announces Laws of Life Winners

4/25/2012

Posted on 4/25/2012 by

Better Business Bureau announces Laws of Life winners

Essay contest for 5th through 8th grade students rewards reflection on core values

SAN ANTONIO, Texas - Apr. 25, 2012 – Better Business Bureau serving Central, Coastal Southwest Texas and the Permian Basin’s first annual San Antonio regional Laws of Life Essay Contest concluded last night. Local fifth-through eighth-grade students were encouraged to write from the heart and express the core values, or laws of life, by which they live.

Out of 390 entries received, 13 finalists, their families and teachers were invited to attend a special ceremony where the following regional winners were awarded a cash prize and certificate from San Antonio Mayor Julian Castro:

First Place:
Brooke Casey – KIPP Aspire Academy – Fifth grade
Danielle Penet – Krueger Middle School – Eighth grade

Second Place:
Alejandro Ramirez – KIPP Aspire Academy – Fifth grade

Third Place:
Sarah Gokelman – Krueger Middle School – Eighth grade

Fourth Place:
Amethyst Brookbank – School of Science and Technology – Eighth grade

“We are very proud of these students for taking the opportunity to write about the positive values that build outstanding character,” said Carrie A. Hurt, BBB president and CEO. “We hope the time they took to reflect on their own laws of life has an impact on their academic and personal lives moving forward.”

Participating schools ran local contests for their students and winners were submitted to the BBB Education Foundation for judging in the regional contest. Laws of Life essays were then judged by a panel of professionals from the military, business and academic communities. Americus Diamond, Star Furniture and the John Templeton Foundation sponsored the event.

Schools interested in participating in next year’s Laws of Life Essay Contest should contact Dean Taylor, BBB Education Director, at 210.828.8752 or dtaylor@sanantonio.bbb.org.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Know Your Rights Before Signing for Funeral Arrangements

4/24/2012

Posted on 4/24/2012 by

Know Your Rights Before Signing for Funeral Arrangements

BBB recommends consumers properly research all options when planning a funeral

AUSTIN, Texas - Apr. 24, 2012 — At an average cost of $8,000, funerals are one of the more expensive purchases made by consumers. During this emotionally charged time, when decisions must be made quickly, and often under great emotional stress, it can be easy to spend more than might be necessary. Better Business Bureau is advising consumers to take their time, ask a lot of questions and consider several providers before buying or paying for funeral services.

In a recent press release issued by the Federal Trade Commission, undercover investigations of funeral homes conducted in nine states discovered significant violations of FTC consumer protection requirements. While the exact violations are not given, any funeral home found with significant violations has the option to enter into a training program — called the Funeral Rule Offenders Program, which is designed to increase compliance with the FTC’s Funeral Rule — as an alternative to an FTC lawsuit.

The FTC’s Funeral Rule gives consumers a number of rights, including the right to receive written price lists, explanations of cemetery or legal requirements and the choice of using a container other than a casket for cremation. Some cemeteries have their own requirements, which must be explained fully before you make a purchase.

Every family is different, and not everyone wants the same type of funeral. The type of funeral you’ll have — elaborate or simple, public or private, religious of secular — can be influenced by religious and cultural traditions, costs and personal preferences.

BBB recommends the following advice for navigating the funeral process.

· Check with BBB. Utilize BBB’s free servicesto find a trustworthy funeral establishment. A company’s BBB Business Review will show any past history of complaints and how those complaints were addressed by the company.

· Check operating licenses. Check that any funeral establishment you are considering has been licensed and is registered by the Texas Funeral Service Commission.

· Visit the establishment. Before making any final decisions, visit the funeral establishment and gravesite in person to examine the facilities and meet the funeral director.

· Compare costs. Consult at least three different firms to compare costs and services available. By law, any establishment you enter is required to provide a price list, which you can keep, itemizing the costs of funeral services and the merchandise for sale.

· Get a copy of the funeral purchase agreement. Funeral directors are required to provide you with a signed copy of the funeral purchase agreement, which lists out all the items you selected and the price.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Research “Green” Claims Before Spending All Your Green

4/20/2012

Posted on 4/20/2012 by

Research “green” claims before spending all your green

BBB advises consumers do their own research on products claiming to be environmentally friendly

AUSTIN, Texas - Apr. 20, 2012 – Nowadays, it is hard for consumers to go shopping without being bombarded with products advertised as “environmentally safe,” “degradable” and “ozone friendly,” but how does a consumer have confidence in a product or service advertising itself as “green?”

The Federal Trade Commission, in cooperation with the U.S. Environmental Protection Agency, has developed guidelines – called Green Guides – for advertisers to ensure that their environmental marketing claims don’t mislead consumers. While these guidelines are not enforceable as law, the FTC can take action if it deems a company’s marketing to be unfair or deceptive.

Under the Green Guides, a company can no longer label a product as “green” or “eco-friendly” to imply general environmental benefits. The claim must be linked to a specific product benefit.

For example, a product could be touted as degradable only if it breaks down within a year. The old guidelines allowed that claim if the product broke down in a “reasonably short period,” but didn’t define the period. Products advertised as compostable have to break down as fast as the materials they are composted with, such as plants and other organic materials that consumers might put in a backyard compost bin.

In addition, the guides caution marketers not to use unqualified certifications or seals of approval that do not specify the basis for the certification. All qualifications marketers apply to certifications or seals should be clear, prominent and specific.

BBB encourages you to check out any and all products, services and marketers making “green” claims before spending your green:

· Do your research. Take the time to research a product and the manufacturer to find more information about the product and its greenness.

· Be cautious of fluffy language or concrete claims. “Fuzzy claims” such as “environmentally friendly” or “100 percent natural” without solid examples to back up the claim can be misleading. Look for specific information and substantiation of all claims.

· Confirm certifications. Companies can create a logo to intentionally look like it’s a third party certification for their environmental claims. Research any third-party carefully before accepting its “stamp of approval.”

· Know where to turn if you have questions. Visit the FTC Environmental Marketing Claims Guidelines for more information on green products and green advertising. If you believe a business is engaged in deceptive advertising file a complaint with your BBB and the FTC.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Tips for Flood Damage Clean-Up and Repair

4/17/2012

Posted on 4/17/2012 by

BBB tips for flood damage clean-up and repair

CORPUS CHRISTI, Texas - Apr. 17, 2012 – Heavy rains and tornadoes have caused significant damage to Coastal Bend homes and businesses. The water and wind damage accompanying this week’s storms will force many consumers to seek help in repairing what was lost. Better Business Bureau urges all home and business owners to take precaution in cleaning up water damage and hiring contractors to help with the rebuilding process.

Tips for Flood Damage Clean-Up:

· Call your insurance agent immediately 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 has been damaged in order to process your claim.

· Discard or clean all wet items within 48 hours. According to the U.S. Federal Emergency Management Agency (FEMA), as soon as the majority of water is drained away, all wet items should be cleaned and dried, or thrown away within 48 hours of flooding to prevent the growth of mold.

Following the storm, BBB also urges consumers and business owners to be careful of potential repair scams.

Tips for Hiring a Repair Contractor:

· Research trustworthy businesses. Deal only with licensed and insured contractors. You can verify licensing information through the Texas Department of Licensing and Regulation. Find a BBB Accredited contractor through BBB Member Pages.

· Get multiple bids. Get bids from at least three companies and ask for referrals. Utilize BBB’s Request a Quote service to get multiple estimates from BBB Accredited Businesses for free.

· Take your time signing a contract. Get a written estimate that includes any verbal promises the contractor made. Remember to ask if there is a charge for an estimate before allowing anyone into your home. Ask for explanations for price variations. Get a copy of the final, signed contract before the job begins.

· Avoid paying a large sum upfront. Resist dealing with any contractor who asks you to pay for the entire job upfront. A down payment is acceptable, but it should not be a significant amount of the total cost. Pay only by check or credit card – and pay the final amount only after the work is completed to your satisfaction. Avoid paying in cash.

· Beware of door-to-door solicitations. Sudden, severe storms can bring fly-by-night contractors to the area. Often these contractors solicit work door-to-door, have no license or contact information and require high upfront fees before beginning any work. BBB recommends researching the company before agreeing to have any work done.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Texas Ranks 5th in the Nation for Reported Cases of ID Theft

4/17/2012

Posted on 4/17/2012 by

Texas ranks 5th in the nation for reported cases of ID theft

BBB gives tips to safeguard personal information

AUSTIN, Texas - Apr. 17, 2012 – In the latest Consumer Sentinel Network report issued by the Federal Trade Commission, Texas ranks fifth in the nation for the most reported cases of identity theft per 100,000 residents. Out of 384 metropolitan areas nationwide, cities in Central, Coastal, Southwest Texas and the Permian Basin were ranked as follows:

Austin - 143rd
Corpus Christi - 44th
Killeen/Temple/Fort Hood - 78th
Laredo - 24th
Midland - 249th
Odessa - 185th
San Antonio - 86th
Victoria - 154th
Waco - 209th

There were more than 24,000 reported cases of identity theft in Texas in 2011. Government documents/benefits fraud was the most common form of reported identity theft at 24 percent, followed by employment-related fraud (15 percent), phone or utilities fraud (13 percent), credit card fraud (12 percent), bank fraud (10 percent) and loan fraud (4 percent).

Those aged 20 – 29 remain the most heavily targeted group, making up 23 percent of the total number of victims reporting their age in CSN.

To avoid falling victim to identity theft, BBB recommends consumers shred all sensitive documents, never carry their social security card, never give out personal information over the phone or to unknown people and avoid suspicious links.

BBB also advises consumers have a document retention schedule. BBB offers the following suggestions:

· Insurance documentation: Keep everything as long as you have the policy. Also save any paperwork regarding unresolved claims/coverage.

· Keep utility, cell phone and similar bills only until you receive confirmation that your payment has been processed. The only exception to this is if you are self-employed. Self-employed people should keep these records longer so they can prove any deductions on their tax forms.

· Loan documentation: Keep all paperwork until you pay off the loan. Then, you can shred everything except the document that proves you paid in full.

· Monthly bank statements: Find out how much time your bank and/or credit cards give you to challenge incorrect statements. Keep them until you are no longer able to challenge them. This is typically between 60 days to one year after the mistake is made.

· Keep one year:

- Paycheck stubs: Don't throw away your paycheck stubs until you receive your annual W-2 form from your employer. If everything matches, feel free to shred your pay stubs. Then, keep your W-2 forms for at least a few years.

· Keep three years:

- Bank statements
- Expired insurance policies

· Keep seven years:

- Tax returns, canceled checks/receipts, records for tax deductions taken. The IRS has six years to challenge your return if it thinks that you underreported your gross income by 25 percent or more.

· Keep forever:

- All paperwork related to bankruptcy, inheritance and wills.
- Auditor's reports.
- House/Condominium records: It is a good idea to keep documents of expenditures related to house/condominium improvements. Capital purchases that improve or enhance the value of your home when you sell your property may lower your capital gains tax.
- IRA contribution records: If you made a nondeductible contribution to an IRA plan, such as a Roth IRA, keep your records to show that you were already taxed for this money.

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Local BBB Selected as one of the Best Nonprofit Organizations to Work For 2012

4/13/2012

Posted on 4/13/2012 by
Local BBB selected as one of the Best Nonprofit Organizations to Work For 2012

BBB recognized for commitment to excellence in the workplace

AUSTIN, Texas - Apr. 13, 2012 – BBB serving Central, Coastal, Southwest Texas and the Permian Basin was recently selected as one of the Best NonProfit Organizations to Work For 2012 by The NonProfit Times and Best Companies Group.

This nationwide survey and awards program is designed to identify, recognize and honor the best places of employment in the nonprofit industry, benefiting the industry's economy, its workforce and businesses. The Best NonProfit Organizations to Work For 2012 list is made up of 50 organizations.

“It is an honor to be recognized by our employees for the second year in a row as having such a positive work environment,” said Carrie A. Hurt, BBB president and CEO. “Their dedication to helping businesses and consumers has certainly carried over to making BBB a fun and energetic place to work.”

Organizations from across the nation entered the two-part process to determine the Best NonProfit Organizations to Work For 2012. The first part consisted of evaluating each nominated organization's workplace policies, practices and demographics. This part of the process was worth approximately 25 percent of the total evaluation.

The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75 percent of the total evaluation. The combined scores determined the top organizations and the final ranking. Best Companies Group managed the overall registration and survey process in the United States, analyzed the data and used their expertise to determine the final rankings.

BBB serving Central, Coastal, Southwest Texas and the Permian Basin will be profiled and ranked in The NonProfit Times April, 2012 issue. For more information on the Best Nonprofits to Work for 2012, visit www.bestnonprofitstoworkfor.com. For employment opportunities with BBB, visit centraltx.bbb.org/BBB-Jobs.

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Advises Consumers to Select their Lawn Service Company Carefully

4/9/2012

Posted on 4/9/2012 by

BBB advises consumers to select their lawn service company carefully

Consumers advised to get a contract, set clear expectations when hiring a lawn service

AUSTIN, Texas - Apr. 9, 2012 – As the temperature continues to warm up, homeowners may consider hiring a lawn service to rejuvenate their lawn and take care of routine chores like lawn-mowing, landscaping and trimming. While hiring a lawn service or landscaper can ease the burdens of caring for a yard, Better Business Bureau advises consumers to get clear, written expectations for what services the company will provide for the agreed-upon fees.

Over the last year, consumers have filed more than 200 complaints against lawn maintenance and landscaping companies. Many of the complaints allege dissatisfaction with the services provided and companies not performing the expected services. Other complaints alleged billing issues.

BBB offers the following advice to help consumers find a lawn care company they can trust:

· Know what you want from a lawn service. Lawn care companies provide many services, so it is important to decide what services and products are appropriate for your needs and budget.

· Find a trustworthy company. Utilize BBB’s online directory of Accredited Businesses to find a company you can trust. Check out any company’s BBB Business Review at www.centraltx.bbb.org to see important background on the business, such as how long they’ve been in business, ownership information and how they resolve complaints.

· Check references. Ask the company for references and photos of previous jobs done. Call all references and ask what their experience was working with the company and if they were satisfied with the services provided, and make sure the references have a similar scope of work.

· Ask for a lawn inspection and free estimate. Lawn care companies that quote a price without seeing your lawn cannot be sure what you need. A company should be willing to visit your home to provide you with the most accurate estimate.

· Get a written agreement. A contract should clearly state the services you will receive, guarantees and refund policies, as well as how and when payment will be handled. If you are contracting for a recurring service, the contract should also include how often the company will come out to service your lawn, how to cancel the services and a schedule for when payments are due.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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E-Book Fraud Leaves Consumers with Worthless Material

4/5/2012

Posted on 4/5/2012 by

E-book fraud leaves consumers with worthless material

BBB cautions consumers about buying fraudulent e-books

AUSTIN, Texas - Apr. 5, 2012 – With the growing popularity of e-books, scammers have found ways to capitalize on this new method of buying books. Some of these scams offer worthless material at a low price while others target authors or authorized publishers by pirating their books.

There are two main types of e-book fraud. The first is content farming, which consists of creating automatically generated content, web-collected content or fake content, turning it into an e-book, and then selling it.

The second type of fraud consists of scammers stealing an author’s book and then selling it as an e-book, even though they don’t own the copyright. Chances are it is a book that isn't already available as an e-book, or it could be a "low cost" version of a book that is already available.

Scammers can easily fool consumers into buying the book by using multiple fake identities to give the book good reviews, which give the “author” a good reputation.

Better Business Bureau offers these tips to avoid buying an e-book that is less than what you expected:

· Stick with known authors. Buy from authors you have used in the past or that have been referred to you. If you decide to buy from an unfamiliar author, see if you can download a free sample first to test the quality.

· Make purchases through secure websites. Make sure that the site is secure when you place the order. Look for the ‘s’ in https:// at the beginning of the site’s URL on the page where you enter payment information.

· Don't be taken in by great reviews that accompany cheap e-books. They may be genuine or the writers may have been paid to produce them. Do a search on the book name or author to see what other people say or how many other books the author claims to have written.

· Avoid clicking links in e-books. Don't click on links inside an e-book. Malware is sometimes attached in order to obtain your credit card information.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Be Cool: Have Your AC Serviced Once a Year

4/3/2012

Posted on 4/3/2012 by

Be cool: Have your AC serviced once a year

BBB offers tips to keep consumers cool as the temperature heats up

AUSTIN, Texas - Apr. 3, 2012 — As the temperature slowly starts to climb and the Texas heat looms overhead, Better Business Bureau reminds consumers of the importance of having their air conditioner serviced. Waiting until the temperature has reached the 100-degree mark only to find out the AC is not working properly can lead to much frustration and wasted money.

Maintaining your AC is just as important as maintaining your car. Yearly check-ups are important to ensure everything is running properly and safely. According to Air Conditioning Contractors of America, ignoring your AC system means it will break down more, need replacement sooner and cost you more money throughout its shortened lifespan.

In addition to yearly check-ups, there are additional things consumers can do to keep their AC performing at its best: buy good filters and change them often, keep bushes and other materials away from your AC unit; and avoid closing vents in your house.

Since Jan. 1, BBB has received more than 200 complaints against air conditioning contractors. Some of the most common mistakes consumers make when looking for an AC contractor is rushing to hire the first contractor they find, not getting multiple bids and not getting all the details of their service in writing.

If you are in need of an AC repair or just following through on a recommended check-up, BBB recommends the following when looking for an AC contractor:

· Research company background and licensing. Visit bbb.org for the Business Review of any AC service company you plan to hire to learn more about its reputation and history of complaints. Ask if the company and its employees are licensed and insured.

· Compare prices and service packages. Get at least three estimates for any air conditioning repair or maintenance work. All bids should be in writing and should provide a full description of the services to be provided and the materials to be used.

· Review warranty coverage. Find out if the company offers any type of warranty or guarantee and make certain you understand the terms and conditions of the coverage. Also, be sure to check the warranty on your current air conditioning unit to determine whether any repairs or replacements may be covered.

· Ask about energy efficiency. Many new air conditioning units are manufactured to be significantly more energy efficient than others, which often qualifies them as tax deductions. Make sure you get the necessary paperwork to cash in on those savings.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Announces 2012 Board of Directors

3/30/2012

Posted on 3/30/2012 by

BBB Announces 2012 Board of Directors

BBB serving Central, Coastal, Southwest Texas and the Permian Basin is proud to announce that the 2012 BBB Board of Directors was officially installed at the 61st Annual Meeting on February 23, 2012. BBB would like to thank all officers and board members for their volunteered support of BBB services. Their leadership is key to advancing marketplace trust.

2012 BBB Officers
Chair: Nancy Thompson, Bolton Real Estate Services
Chair-Elect: Monica Davis, Davis Group, Inc./Teleclip, Inc.
Secretary: Bobby Hoxworth, First National Bank Texas
Treasurer: Doug Davidson, BMC Select
Immediate Past Chair: Laurens Fish III, Weed-Corley-Fish Funeral Home
President/CEO: Carrie A. Hurt, Better Business Bureau, Inc.

2012 BBB Executive Committee
Jon Eckert, BBVA Compass Bank
Jeff Evins, Evins Personnel
T. Getterman, Supercuts

2012 BBB Legal Counsel
Laura Lee Prather, Sedgwick LLP

2012 BBB Board of Directors
Scott Barr, Southwest Exteriors
Maria Bleier, Dell, Inc.
Martin Bomba, Window World of San Antonio
Randy Brunnemann, Crowne Plaza Hotel Austin
John Carlson, Braswell Office Systems
Mike Church, Cody Pools, Inc.
Holly Dunham, Waco Hyundai
John Dunn, Barbed Cross Construction, LLC
Kathryn Frank, Kathryn Frank CPA
Tommy Gardner, Aransas Autoplex
Bobby Jenkins, ABC Home & Commercial Services
Stan Johnson, Jr., Stan’s Heating & Air Conditioning, Inc.
Susan Jones, Extraco Banks Mortgage Department
Mat Naegele, Lamar Outdoor Advertising
Mitchell Neubert, Baylor University
Odis Pippins, Fort Hood National Bank
Rick Ravel, Karavel Shoes
Philip Robinson, Covert Auto Group
Darrell Sander, Frost Bank
Angie Sinkfield, Seigman, Starrit-Burnett and Sinkfield, PLLC
Linda Smith, En Su Casa Caregivers
Patti Smith, KVUE-TV, Inc.
Greg Wallace, Bogan, Dunlap & Wood Insurance Agency, LLC

BBB Warns Consumers About Mission Attic Pros

3/29/2012

Posted on 3/29/2012 by

BBB warns consumers about Mission Attic Pros

Consumers complain about Jerry Dixon’s service, workmanship and company name changes

San Antonio, Texas - Mar. 29, 2012 — The San Antonio address listed for Mission Attic Pros is empty and mail sent there is returned; the website was taken down; and calls to the company’s listed phone number go immediately to voicemail.

However, Mission Attic Pros owner Jerry Dixon will still return messages asking for an estimate, and is presumably still taking any contracting jobs offered. The problem for Hope Hernandez is that after paying him more than $5,000, she still does not have the new windows he promised to install and the door he replaced for her son’s house in San Antonio won’t open.

“You can’t go in or out that door,” she said. “I don’t care who you are; you can’t go in there. It was not put in right.”

Now, without a storefront, website or anyone answering his phone, Dixon has become even more difficult to contact.

To make matters even more difficult, Dixon operates under numerous different business names. Hernandez hired Dixon under the name Mission Remodelers. She paid him under the name Mission Energy Improvements. The invoice she received said Mission Attic Pros.

Better Business Bureau records show Dixon as the owner of AAA Mission Remodelers and Mission Attic Pros. Under the two names, Dixon has received 30 complaints against him, most alleging poor service and difficulty contacting Dixon once consumers paid their money.

Filings with the Texas Secretary of State and Bexar County Clerk reveal still more business names. At various times, he as registered as Mission Contracting, Mission Construction, AAA Mission Remodelers and Mission Remodelers. BBB could find no filings for the names Mission Attic Pros or Mission Energy Improvements.

BBB tried to contact Dixon, but calls went unanswered and mail was returned. When a BBB investigator called posing as a customer, he returned the message the next day.

When asked for a quote on a 1,200 square foot house, he touted a special he was running for 99 cents a square foot. Coupled with a rebate from CPS Energy, the total cost to the consumer would be only 74 cents per square foot.

That rebate drew Jim Rollins to call Mission Attic Pros. He said Dixon billed his company as “the rebate specialists.” After waiting three weeks for a crew to come out to blow insulation into his attic and paying half the cost up front, Rollins said he tried to contact Dixon about the paperwork for the rebate.

“After the job was complete, I paid the other half and they said that someone would be by to help fill out the paperwork,” Rollins said. “An individual can’t fill out the paperwork themselves; it has to come from the vendor.”

Rollins said no one ever showed up. He left several phone messages for Dixon and finally drove by the address advertised by the company. The building was empty.

“I wasn’t relying on (the rebate money), but it is frustrating when you put your faith in somebody and they don’t come through,” Rollins said. “He seemed like a nice person, and I trusted my judgment up front more than I should probably.”

Hernandez, who is still waiting for the windows she paid for, said her plight is even more frustrating since she is currently living in Minnesota. Her son is living in the San Antonio home the windows were purchased for.

“I’m so far away. I cry,” she said. “I can’t sleep at night knowing he took that much money from me.”

But, she said, she was not going to sit idly by and let him disappear with her money. She’s returning to San Antonio in April and is going to tell everyone about Dixon and Mission Attic Pros.

“The only reason I’m going after him is heaven knows how many other people he’s done this to,” she said. “He got away with $5,000.”

For those looking to hire a contractor, BBB offers the following tips:

· Use BBB.org to find trustworthy businesses. Start your search with BBB Member Pages to find BBB accredited contractors in your area. If you are referred to a business through friends, family or an advertisement, verify the business is in good standing at bbb.org before contacting them.

· Compare costs. Get at least three bids from prospective contractors based on the same specifications, materials, labor and time needed to complete the project. BBB’s Request-a-Quote service is free to use and will allow BBB Accredited Businesses to send you quotes via email. Understand variations in price may be associated with higher quality of materials.

· Call for references. Ask all contractors to provide local references and find out if those customers were satisfied with the work performed. If possible, visit a completed project to inspect the quality of the workmanship.

· Check licensing. The Texas Department of Licensing and Regulation requires a license for plumbers, HVAC technicians and electricians, however, other contractors may require registration or licensing to do work in specific counties or cities.

· Beware of high upfront fees. Contractors may require a down payment before work begins, but it should not be a significant portion of the total cost. Instead, make payments that align with the progress of the work completed. Make sure you are satisfied with the work before making a final payment.

· Review your contract thoroughly. Make sure it includes all the materials needed to complete the job, an itemized list of all costs involved, any subcontracted labor and a warranty for all work performed.

· Verify insurance coverage. Find out if the company is insured against claims covering worker’s compensation, property damage and personal liability in case of accidents. Verify coverage directly with the business’ insurance company if possible.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Cómo encontrar el programa de campamento de verano para su hijo

3/27/2012

Posted on 3/27/2012 by

Cómo encontrar el programa de campamento de verano para su hijo

BBB recomienda visitas al establecimiento y hacer una lista detallada

AUSTIN, Texas - 27 de Marzo de 2012 - De acuerdo con la Asociación de Campamentos Americanos, hay más de doce mil campos en operación dentro de los Estados Unidos. Más de once millones de niños y adultos participen en el campamento cada año. Cuando llega el momento para elegir ese campo perfecto para su hijo, ¿cómo elegir? El Better Business Bureau aconseja antes de tomar una decisión, tome tiempo para mirar fuera de folletos y cada página web.

En los últimos tres años, BBB ha recibido más de 350 quejas en contra de varios campamentos en todo el país. Conflictos comunes alegan insatisfacción con las actividades del campamento, los agentes, errores en el ciclo de facturación y problemas de reembolso.

BBB recomienda que los padres comiencen su investigación temprano y buscar un campo centrado en la edad y los intereses de sus hijos. Además visite www.bbb.org para ver el perfil de cada campo y encontrar un campamento acreditado por el BBB. BBB ofrece los siguientes consejos para los padres que buscan el mejor campamento:

· Obtenga referencias. Pregunte a los padres de otros campistas sobre la experiencia de su hijo y por qué se recomienda un campo sobre otro. Sea claro en saber que no hay supervisión gubernamental de los campamentos. Es especialmente importante buscar instalaciones que están certificados por la Asociación Americana de Campamento, ellos mantienen cada campamento responsable por hasta 300 estándares reconocidos nacionalmente.

· Visite el campamentoen persona. Compruebe todas las instalaciones de vivir, comer y recreativas. Asegúrese de preguntar sobre los procedimientos de seguridad y cómo las reglas se hacen cumplir.

· Evaluar la calidady el compromiso delpersonal y la administración. Investigue la experiencia de trabajo para la directora del campamento, los criterios utilizados para la contratación de personal y la prueba de certificación en CPR y primeros auxilios. También es importante conocer la proporción de personal para los campistas. Los padres con niños que participan en los campos de especialidad deberán confirmar el nivel de especialización en esa área.

· Clarifiquetodas las tarifasy políticas de pago. ¿Cuál es el costo total de la matrícula? Si el campamento es cancelado, se devolverá el dinero? ¿Hay cargos adicionales para cada actividad? Se incluyen las comidas y el transporte? Asegúrese que todos los detalles están incluidos en su contrato.

· Pregunte sobrela atención médicay los seguros. Echa un vistazo a las instalaciones médicas para asegurarse de que son adecuados. Revise para ver si una enfermera o un médico está disponible durante el campamento. Pregunte acerca de los procedimientos para el transporte de niños enfermos o lesionados a una facilidad médica y en qué condiciones se le notifica cuando hay algún problema.

· Considere la posibilidad deun plan de respaldoen caso de queel campamentoes canceladopor motivos inesperados. Asegúrese de tener uno o dos otros campos en la mente. También es importante visitar e investigar los campos adicionales para que pueda estar bien informado en el caso de una decisión en el último momento.

Para comprobar la fiabilidad de una empresa y encontrar empresas confiables, visite www.bbb.org.

En relación con el Better Business Bureau:
La misión del BBB es ser el líder en el avance de la confianza del mercado. BBB realiza esta misión creando una comunidad con empresas de confianza, estableciendo normas para la confianza en el mercado, fomentar y apoyar las mejores prácticas, celebrar los líderes del mercado y denunciar conducta deficiente en el mercado.

Los negocios que ganan Acreditación del BBB están de acuerdo en adherirse a los estándares de negocios y alto éticos establecidas de nuestro organización. BBB es el recurso preeminente para acudir en buscar la información objetiva sobre las empresas y agencias sin fines de lucro.

Contacto: BBB sirviendo Centro, Costa, del Suroeste de Texas y el Permian Basin (512) 445-4748.

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How to Find the Right Summer Camp Program for Your Child

3/27/2012

Posted on 3/27/2012 by

How to find the right summer camp program for your child

BBB recommends onsite visits, detailed checklist

AUSTIN, Texas - Mar. 27, 2012 – According to the American Camp Association, more than 12,000 day and resident camps exist in the U.S., and more than 11 million children and adults attend camp each year. When it comes time to choose that perfect camp for your child, how do you choose? Better Business Bureau advises taking the time to look beyond brochures and website pictures before making a decision.

Over the past three years, BBB has received more than 350 complaints against various camps nationwide. Common disputes allege dissatisfaction with camp activities or staff, mistakes in the billing cycle and refund issues.

BBB advises parents to begin their search early and look for a camp centered on their child’s interests and age. In addition to checking www.bbb.org to see a camp’s BBB Business Review or to find a BBB Accredited camp, BBB offers the following tips for parents searching for the right camp:

· Get references. Ask parents of other campers about their child’s experience and why they recommend one camp over another. Of note, there is no government oversight of camps, so it’s especially important to look for facilities that are certified by the American Camp Association, which requires camps to meet up to 300 nationally recognized standards.

· Visit the camp in person. Check all living, eating and recreational facilities. Be sure to ask about safety procedures and how rules are enforced.

· Assess the quality and commitment of the staff. Find out the camp director’s background, the criteria used for hiring staff and whether certification in CPR and First Aid is required. It is also important to know the ratio of staff to campers. Parents sending children to specialty camps should inquire about the staff’s level of expertise in the specific area.

· Know the fees and payment policies. What is the total cost of tuition? Is your money refundable should the camp be canceled? Are there extra charges for any activities? Are meals and transportation included? Make sure all these details are included in your contract.

· Ask about medical care and insurance. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is onsite. Inquire about the procedures for transporting injured or sick children to nearby medical facilities and under what circumstances you will be notified of any problems.

· Consider a backup plan. In case the camp you choose gets canceled for unexpected reasons, be sure to have another camp or two in mind. It is ideal to also visit and research those backup camps in advance so that you can be well-informed in the event of a last-minute decision.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Text Message Offering Walmart Gift Card is a Smishing Scam

3/22/2012

Posted on 3/22/2012 by

Text message offering Walmart gift card is a smishing scam

BBB advises consumers to delete, not reply to the text

AUSTIN, Texas - Mar. 22, 2012 – Have you received a text message offering you a free Walmart gift card? Despite the attraction of a $1,000 gift card, Better Business Bureau is warning consumers that the Walmart gift card text message is a smishing scam.

While the exact wording of the text message is not always the same, these are a couple versions that have been sent to BBB:

“You just won a free $1000 Walmart Gift Card, enter “1000” at http://promocenter.ws/walmart”

“Dear Walmart shopper, Congratulations you have just won a $1000 Walmart Gift Card. Click here to claim your gift. www.ShopCard2012.com (cancel: STOP)

This scam is using Walmart’s name and popularity to lure in victims. Nationwide, consumers report to BBB they are requested to provide personal identifying information in response to the “questions” or “smishing,” and to provide credit card information to cover the costs of shipping and handling. Consumers who actually complete the gift card program often find themselves fulfilling “sponsor offers” which may include:

· “free trial offers” requiring credit card for shipping and handling, which may result in recurring monthly fees;

· surveys resulting in the sell or distribution of personal marketing information which will result in increased solicitations, telemarketing and junk mail; and

· unwanted subscriptions.

Walmart has posted an alert on its website claiming the text messages and sites being used are not from Walmart, nor are they associated in any way with Walmart.

If you receive a similar text, BBB advises:

·Do not reply. Replying to a spam text only verifies that your number is active, meaning more messages can be sent.

·Avoid unknown links. Do not click on any link sent by an unknown party.

·Block suspicious numbers. If you have received texts from an unknown number, contact your phone provider to block the number the texts are originating from.

·Do not store personal information on your phone. Avoid storing credit card and account login information in emails or notes on your phone.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Severe Weather Warning Issued for Central Texas, BBB Warns of Weather-Related Scams

3/19/2012

Posted on 3/19/2012 by

Severe weather warning issued for Central Texas, BBB warns of weather-related scams

Consumers should create a plan ahead of time, know where to turn after the storm

AUSTIN, Texas - Mar. 19, 2012 – A strong storm system is making its way toward Central Texas, expectedly bringing with it severe storms and heavy, flooding rainfall. The National Weather Service predicts damaging winds, hail, torrential downpours and isolated tornados are all possible.

To prepare for severe weather, consumers should:

· Have a plan: Decide ahead of time where you’ll go when severe weather hits.

· Create an emergency kit: Emergency kits should include such things as water, food, flashlights, batteries, cash, first aid kit, any medications needed, blankets, pillows and any pet care necessities needed.

· Inspect your home and yard for potential hazards:

o Make sure any outdoor furniture or equipment is put away or tied down.
o Trim all lose or weak tree branches that could easily break in high winds and damage your home.

· Pay close attention to weather news and alerts: Consider purchasing a weather radio to stay up-to-date and current on all weather happenings.

As the storm system passes, consumers will start to evaluate any damage done and begin the clean up process. Better Business Bureau receives hundreds of complaints every year concerning subpar work performed by contractors, and encourages consumers to take the time to properly research contractors to avoid creating a bigger problem.

BBB offers these tips for consumers who find themselves in need of repairs due to the severe weather:

· Contact your insurance company immediately. Call your insurance company before work begins to make sure all necessary procedures are followed according to your policy. Make sure you fully understand your deductibles and what your policy covers before having any work done. If you do not follow your insurance company’s guidelines, you may be stuck with the entire bill.

· Find a trustworthy contractor. Deal only with licensed and insured contractors. You can verify licensing information through the Texas Department of Licensing and Regulation. Find a BBB Accredited contractor through BBB Member Pages.

· Get multiple bids. Get bids from at least three companies and ask for referrals. Utilize BBB’s Request a Quote service to get multiple estimates from BBB Accredited Businesses for free.

· Take your time signing a contract. Get a written estimate that includes any oral promises the contractor made. Remember to ask if there is a charge for an estimate before allowing anyone into your home. Ask for explanations for price variations. Get a copy of the final, signed contract before the job begins.

· Avoid paying a large sum upfront. Resist dealing with any contractor who asks you to pay for the entire job upfront. A down payment is acceptable, but it should not be a significant amount of the total cost. Pay only by check or credit card – and pay the final amount only after the work is completed to your satisfaction. Avoid paying in cash.

· Beware of door-to-door solicitations. Sudden, severe storms can bring fly-by-night contractors to the area. Often these contractors solicit work door-to-door, have no license or contact information and require high upfront fees before beginning any work. BBB recommends researching the company before agreeing to have any work done.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Watch out for Tricky Leprechauns and Imposters this St. Patrick’s Day

3/16/2012

Posted on 3/16/2012 by

Watch out for tricky leprechauns and imposters this St. Patrick’s Day

BBB reminds consumers to be wary of claims they’ve won a sweepstakes

AUSTIN, Texas - Mar. 16, 2012 – With most holidays, sporting events and disasters, scammers use these opportunities to target consumers and lure them into their schemes. As St. Patrick’s Day approaches, Better Business Bureau reminds consumers to be suspicious of sweepstakes winnings claims.

“Congratulations, you’ve just won $5,000!” At least that is what a scam artist wants you to believe. Consumers across Texas frequently contact BBB inquiring about the authenticity of a mail or phone notification announcing they’ve won a substantial sum of money.

“These types of scams are so popular because they prey on consumers’ greatest dreams of financial freedom,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “When consumers receive these notifications, they tend to let the excitement of the moment cloud their judgment.”

To help consumers identify a sweepstakes scam, BBB provides the following:

· Are you asked to make a purchase in order to get your prize? According to the Deceptive Mail Prevention and Enforcement Act, if you have won something, you should not have to pay a penny or purchase anything to receive it.

· Are you asked to wire money? Many times scammers will instruct you to wire money to cover the fees, such as processing, administrative or tax fees, before you receive your prize. Once you’ve wired money there is very little chance of getting that money back.

· Be cautious of look-alikes. Scammers often use names of government agencies and well-known organizations to try to confuse you and give you confidence in the winnings claim.

· Did you receive this notification via bulk rate mail? According to the Federal Trade Commission, it is highly unlikely that you’ve won a big prize if your notification was sent by bulk rate.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Rings Warning Bells About Bel Furniture

3/14/2012

Posted on 3/14/2012 by

BBB rings warning bells about Bel Furniture

Customers complain about poor service and damaged furniture

SAN ANTONIO, Texas - Mar. 14, 2012 — Ron Poole no longer expects to get the television stand he paid for in July. He has also accepted that his brand new sofa is going to be damaged. But, he said, he should have known there were going to be problems as soon as he walked into Bel Furniture in San Antonio to take advantage of the free high-definition television the store had advertised.

“We went there, looked around,” he said. “I’m like ‘Oh, by the way, which one of these TVs do you get?’ and the salesman said ‘free HD TV?’”

Poole was understandably confused, as the store had advertised the offer in the newspaper and had a banner hanging outside its door with the same offer. But he accepted the store’s reasoning that it was an expired promotion.

So, he and his wife paid $1,600 for a television in addition to $1,100 for their furniture purchase and received a voucher. They were told they could take the voucher to Best Buy, who would provide the actual television set.

When he brought the voucher to Best Buy, he said, “Best Buy didn’t have any idea what I was talking about.” Then the Best Buy salesman showed him the same television, for $999.

“So, I called the manager of (Bel Furniture), and I was like ‘we have a problem here,’” he said.

Poole got a refund for the television, but it was only the beginning of his problems.

More than one consumer has complained to Better Business Bureau about Bel Furniture’s advertising, poor customer services and delivery issues. The company, which started in Houston, has multiple locations around the state.

BBB received 46 complaints about the San Antonio and Del Rio locations, 22 of which were either never addressed by the company or BBB felt the company did not make a good-faith effort to resolve the issue.

BBB contacted Bel Furniture about the pattern of complaints and its advertising issues — including offering discounts without clearly disclosing that a minimum purchase is required and making unsubstantiated claims about the company’s growth — but never received a response.

Eric Coffey went to Bel Furniture in Del Rio for the same reason Poole did; he wanted a free television. He got the same response to his original inquiries, but eventually convinced the employees to honor the advertised deal. So, he bought a bed.

“They said it would take a week or two to come in, and the TV would take a week after that,” he said.

A month later, he started calling. After calling two or three times a week for several weeks, he finally got his furniture and his television — which had a crack across the screen. Customer service representatives said he would get a replacement in two weeks.

After another month of calling, leaving messages and not hearing back, he turned to BBB. Finally, Bel Furniture contacted him to let him know his television was ready.

Though the experience was frustrating and Coffey said he would never shop at Bel Furniture again, the resolution was more than other customers received.

When Poole went to Bel Furniture in July for the free television he never received, it was just the start of his troubles. He also bought $1,100 worth of furniture, some of which was damaged when Bel Furniture finally delivered it — several weeks after the promised date.

“We bought a sectional with a chaise and ottoman. It’s supposed to be leather,” he said. “We also bought a bedroom set, with a dresser, mirror and night stand. And we bought a TV chest, which we still don’t have to this day. We’ve been paying on it since August.”

The store promised a four-to six-week delivery window. When the furniture arrived eight weeks later, the television stand was missing and the couch was damaged.

“There’s some scuffs on it,” he said. “There’s actually a couple of deep scratches on it, (that someone had tried to cover up.) … It looks like someone just threw some nail polish on it. The feet are damaged. They brought us one ottoman and it sunk in one day.”

A couple of weeks later, the television stand arrived and was so poorly assembled, Poole simply refused delivery. Four delivery attempts later, the company still has not brought an acceptable television stand, and has attempted to replace his damaged sofa with a different, smaller model.

Poole said the worst part of the entire experience has been talking to the store’s customer service department.

“At this point, I’m just furious,” he said. “The people were just rude, no customer service whatsoever. I actually had the phone hung up on me by a regional manager.”

Coffey echoed the sentiment.

“Where I work at, we get a new person or two every three months. I already told them, if you need furniture, don’t go there,” he said. “They could be having free giveaways on the sidewalk, I would pass.”

When shopping for furniture, BBB offers the following tips:

- Read the fine print. Many stores offer discounts or give-a-ways with purchase, but make sure you know the terms of any deals before committing to a purchase.

- Start with trust. Check the company’s BBB Business Review at www.bbb.org before making a purchase to see its BBB rating, complaint history and more.

- Get it in writing. Ask about the company’s return policy and who to contact if your merchandise is delivered late or damaged. Make sure those details and any guarantees are in the paperwork.

- Ask about refunds. Before making a purchase, know the company’s policy on refunds. If you are dissatisfied with the furniture once it arrives or have other issues, you can save a lot of frustration by knowing where to turn.

- Understand the terms of financing. It’s best to pay upfront with a credit card that offers purchase protections. However, if the store offers a special financing deal or you are forced to finance for other reasons, read the contract carefully. Know how long special interest rates last, what happens if you miss a payment and what to do if you are unhappy with the purchase once it arrives.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Callers Claiming to be from Microsoft Tech Support are Really Scammers Attempting to Gain Control of Your Computer

3/12/2012

Posted on 3/12/2012 by

Callers claiming to be from Microsoft tech support are really scammers attempting to gain control of your computer

Scammers using Microsoft’s name to gain remote access to consumer’s computer

AUSTIN, Texas - Mar. 12, 2012 – Better Business Bureau is alerting consumers of a phone scam in which the caller claims to be from Microsoft. The caller offers to solve a consumer’s computer problems or sell him or her a software license, all in an effort to gain remote control access to the consumer’s computer.

Pam Webster called BBB to report she received a phone call from a “Microsoft employee” who told her he had recognized a virus on her computer. From almost the instant the conversation started, Webster realized this call was not made with good intentions.

“The man identified himself as being from Microsoft tech support and said he had identified that my computer had a virus,” Webster said. “He directed me to go to my computer and proceeded to give me directions to ‘get rid of the virus.’”

Webster, who works with computers on a daily basis, realized almost immediately that the directions being given were the same steps she follows when her IT department needs full, remote access to her computer.

Webster did not allow the caller to proceed any further.

According to Microsoft, once these scammers have access to the computer they can install malicious software, steal personal information, take control of the computer remotely or direct consumers to fraudulent websites where they are asked to enter their credit card information.

Microsoft’s Online Safety and Security Centre states that neither Microsoft nor its partners make unsolicited phone calls.

Here are some of the organizations that cybercriminals claim to be from:

· Windows Helpdesk

· Windows Service Center

· Microsoft Tech Support

· Microsoft Support

· Windows Technical Department Support Group

·Microsoft Research and Development Team (Microsoft R & D Team)

BBB advises consumers follow these tips to protect themselves from scammers attempting to access their computer:

· Go through your service provider directly. If you are concerned your computer may be exposed to viruses or other security threats, contact your service provider directly. Some providers offer free tools that can help detect and remove viruses.

· Install virus detection. To help protect your computer from viruses make sure you have virus detection software installed on your computer. This software can also help identify if a virus appears on your computer.

· Don’t trust cold calls. Never give out personal information, over the phone, to someone you don’t know. If the caller claims there is a security threat to your computer, hang up and call your computer company directly.

· Find a computer repair company you can trust. Go to BBB Member Pages to find a BBB Accredited Business you can trust.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Attorney General Brings Action Against AGT American Silver and Gold

3/8/2012

Posted on 3/8/2012 by

Attorney General brings action against AGT American Silver and Gold

Restraining order echoes BBB concerns about gold and silver bullion and coin dealer

AUSTIN, Texas - Mar. 8, 2012 — The Texas Attorney General froze the assets of AGT American Silver and Gold March 1, and issued a temporary restraining order against the owners of the Austin-area company, which sells gold and silver bullion and coins.

Lora Maestre and Rick Maestre, also known as David Winston, among others, are named in the action for violating the Texas Deceptive Trade Practices – Consumer Protection Act for allegedly accepting payment for coins and bullion that the company never delivered.

Better Business Bureau began to investigate AGT American Silver and Gold last year, after it received complaints alleging some consumers paid thousands of dollars to the company for bullion and coins. Many of those consumers are still waiting for portions of their gold and silver orders.

The AG order cites many of the same concerns BBB found during its investigation.

The restraining order forbids the defendants from engaging in deceptive practices, including offering a “100 percent guarantee” and “full money back,” but failing to honor said claims, misrepresenting the amount of inventory the company had available, and failing to deliver gold and silver coins purchased by consumers.

In addition, the order prohibits the defendants from “accepting any orders for precious metal coins until further order of the court.”

Frank Chmielinski turned to BBB when AGT American Silver and Gold took approximately $100,000 for silver and gold coins, but only delivered approximately $30,000 worth of goods. He wanted to buy gold and silver bullion and coins to diversify his investment portfolio, and had dealt with AGT American Silver and Gold two years prior. At that time, he bought $5,000 worth of gold and silver coins and everything had gone smoothly.

“This is all his fault,” Chmielinski said about Richard Maestre, one of the defendants named in the AG suit. “I’m a customer; I sent him my money in good faith.”

Maestre apparently ran into financial difficulties leading up to the AG action March 1. In January, some consumers who had complained to BBB received a letter from American Silver and Gold, LLC explaining that when silver prices dropped to $27 per ounce from a high of $52 per ounce, the company started to have trouble securing inventory.

The letter also states the company does not have enough inventory to fulfill current orders.

“To accommodate the inventory backlog, we ask that you agree to a six (6) to nine (9) month delay in the shipment of your order,” the letter reads. It goes on to promise delivery of additional coins valued at 10 percent of each customer’s order, excluding bullion.

Though the letter went out to AGT American Silver and Gold customers, the company name on the letterhead was not AGT American Silver and Gold, but simply American Silver and Gold, LLC. BBB could not find any record of AGT American Silver and Gold registering the shortened name with the Texas Secretary of State or the Travis County Clerk, nor could it find a second company registered using the name American Silver and Gold, LLC.

Prior to the action, John Gleichauf, another AGT American Silver and Gold customer, worried that any publicity might derail a settlement he reached with the company last year.

He said he talked with a portfolio manager who worked for AGT American Silver and Gold and after sending the company more than $50,000 to buy gold and silver, he only got a handful of coins.

Maestre contacted him about the shortfall soon after Gleichauf complained.

“He stated that they were just really beside themselves because … this portfolio manager that I was dealing with was a crook, was an alcoholic and he was essentially destroying the business,” Gleichauf said.

Maestre agreed to refund Gleichauf’s money, but then did not follow through with the deal. Gleichauf got an attorney involved, and soon had an agreement for the gold and silver dealer to pay Gleichauf $8,000 a month. Then Maestre said he could only pay $2,000 a month. Then it went down to $200.

Gleichauf said that through January and February payments trickled in, most for a few hundred dollars each.

“I’m not sure how to evaluate all this, but he’s in arrears to the tune of 34 to 35 thousand dollars,” he said. Of his original payment, Gleichauf said he estimates he has gotten approximately $22,000 back.

Gleichauf said he believes Maestre’s claims that his problems were caused by a rogue portfolio manager. Chmielinski, the customer who paid $100,000 to buy bullion and coins from AGT American Silver and Gold, believes otherwise.

“He claims he’s trying to reorganize it, and he claims this and he claims that. … I just don’t believe all his babble.” Chmielinski said. “I’m ready to retire … and this guy is affecting that.”

Consumers who want to buy gold and silver bullion and coins should consider the following tips from BBB:

· Do your research. Before doing business with a gold and silver dealer, research the company thoroughly. Check the BBB Business Review at www.bbb.org, ask friends for references and check out any individual broker for government action.

· Do not believe inflated claims. Like any investment, gold and silver bullion and coin prices can be volatile. Avoid any company claiming such investments are a safe harbor and that downplays the risks involved.

· Buy from the source. The United States Mint sells bullion and coins to investors and collectors. Buy your gold and silver directly from the government.

· Do not count on appreciation. Many dealers sell gold and silver coins for an inflated price, promising the product will rise in value over time. Many consumers who buy those products lose money when gold and silver prices fall.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Timeshare Pitfalls Continue to Trap Consumers

3/7/2012

Posted on 3/7/2012 by

Timeshare pitfalls continue to trap consumers

BBB reports that new tactics are catching new victims

AUSTIN, Texas - Mar. 7, 2012 - It is a common scenario. Someone receives a mailer or email offering a free trip or other fantastic prize and all he or she has to do is sit through a half-day seminar. Once the victim is there, the company turns on the high-pressure tactics in an attempt to sell a timeshare.

Often, the offer is legitimate, if unwanted. Other times, the offer is a scam meant to bilk honest people of thousands of dollars. Such scams have prevailed for decades, and most savvy consumers are wise to them.

So, the con artists have changed their game, prompting new warnings from the Federal Bureau of Investigations, and enforcement efforts from the Federal Trade Commission.

Better Business Bureau received more than 2,600 complaints nationally about timeshare resell companies last year, and almost 200 more in January 2012. Some complain about available dates or other management issues, but many allege that companies collected money for fees or other charges and then disappeared.

Corpus Christi resident Thurman Huddleston complained to BBB after wiring more than $10,000 to a Dallas company promising to sell him a timeshare in Mexico.

“The people were good,” he said. “I really beat myself up, because I should have known better. It just sounded like a viable thing.”

Huddleston said when he first got the call, he researched the company online and did not find any red flags. When the company asked him for a payment to cover the closing costs, he did not hesitate. He wired the money, leaving no trace for law enforcement to follow later.

Then they came back and asked for more money to cover the annual property taxes.

“So that sounded a little fishy, but I figured they probably won’t (let me buy a unit without paying taxes),” he said. “That should have been the last red flag, but once you’ve got that much money in it, it’s hard to walk away.”

Soon after, the company he was dealing with became impossible to contact. Huddleston suspects the timeshare never existed to begin with.

Now that people are more aware of scams like the one Huddleston fell for, scammers have started targeting victims that might not be as diligent: current timeshare owners.

The FTC cracked down on telemarketers claiming to have buyers lined up, then disappearing with the thousands of dollars owners paid to cover fake closing costs or as a deposit that would be later refunded.

The FBI reported a similar scam, with a con artist contacting the victim by phone or email and promising to sell the victim’s timeshare in a short time, often between 60 and 90 days. The scammers asked for hundreds to thousands of dollars to cover anything from closing costs to listing fees.

Sometimes, according to the FBI’s warning, the victims are then contacted a second time — this time by someone claiming to be from a recovery company. The scammer, who may be connected with the original resale company, tells the victim that he can recover the lost money for a fee.

Once again, the scammers disappear after the victim pays.

Huddleston said that though he lost thousands to the con artists who contacted him, and he feels like a dupe for falling for the scam, he is just happy to have learned his lesson.

“I didn’t get too angry over it. I hated to lose the money, but I learned a lot,” he said. “The next time somebody calls, I’ve graduated from that class.”

When buying or selling a timeshare, BBB offers the following tips:

· Beware of upfront fees. Though there may be closing costs or other fees associated with purchasing a timeshare, be wary of any company that pressures you to pay any such fees upfront or before reviewing any contracts.

· Read the fine print. Especially when selling a timeshare, make sure to read the contract carefully. Find out if the company is actually selling your timeshare or simply charging you to advertise the listing.

· Start with trust. Visit www.bbb.org to check out the BBB Business Review for a company before paying any money.

· Never wire cash. Credit cards offer a certain amount of fraud protection that you cannot get if you use a wire service. Walk away from any deal that requires you to pay cash or wire money, especially to locations in other countries.

· Get it in writing. Ask the salesman for all information in writing, including all fees, timing and ways the seller plans to advertise the unit.

· Check the license. Ask for licensing information for the seller’s agents, and check that information with the Real Estate Commission. Only deal with licensed brokers and ask for references.

· If it sounds too good to be true, it is. Be wary of any seller who promises a big selling price or quick turnaround. High-pressure tactics are always a red flag.

· Know where to turn. Before selling your timeshare, read the FTC’s advice on selling a timeshare and report any scams to BBB or the FBI’s Internet Crime Complaint Center.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Commends Savvy Consumers: Reports Show Complaints Down, Inquiries Up

3/5/2012

Posted on 3/5/2012 by

BBB commends savvy consumers: reports show complaints down, inquiries up

Nationwide statistics show shoppers are doing their homework

AUSTIN, Texas - Mar. 5, 2012 – Consumer savvy, smart shopping and common sense all had a great year, according to Better Business Bureau. Consumers asked BBB for help more than 103 million times in 2011, up from 87 million in 2010 and the highest rate in the organization’s 100-year history. Conversely, filings of formal complaints against businesses were down across the U.S. and Canada; 927,000 in 2011 compared to just over one million in 2010.

“Consumers are less likely to need BBB dispute resolution services when they come to us first,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “We are very happy to see that more consumers are doing their research before handing over their hard-earned money.”

BBB maintains Business Reviews on more than 4 million businesses and grades them based on complaint histories, responsiveness to customers, licensing, legal and government action, and other factors. 400,000 are Accredited Businesses that meet the BBB Code of Business Practices and are permitted to display the BBB logo in their advertising and place of business.

Industry	2011 Total Inquires	Rank by number of inquiries¹	Percentage Change over 2010
Roofing Contractors	3,343,214	1	38.8%
Contractors - General	2,232,022	2	71.4%
Auto Dealers - Used Cars	1,606,226	3	40.6%
Auto Repair & Service	1,581,440	4	63.8%
Plumbers	1,524,559	5	49.9%
Auto Dealers - New Cars	1,517,950	6	26.0%
Mortgage Brokers	1,471,565	7	14.5%
Construction & Remodeling Services	1,293,423	8	36.4%
Heating & Air Conditioning	1,227,787	9	19.4%
Movers	1,205,158	10	3.3%

1 Inquiry rank is out of 4,790 industry categories

Complaints are formal procedures that consumers file against a particular business when they have a problem they cannot resolve on their own. Every complaint is examined by an investigator at the local BBB where the business is located, and the company is given 30 days to respond. About 95% of complaints to BBBs are resolved at this level; the rest go to mediation or arbitration. BBB has trained mediators and arbitrators in every state and province in North America.

Industry	2011 Total Complaints	Rank by number of complaints¹	Percentage change over 2010	Percentage of resolved complaints²
Cellular Telephone Service & Equipment	38,420	1	40.8%	96.1%
Auto Dealers – New Cars	25,983	2	5.2%	87.8%
Television – Cable, CATV & Satellite	25,518	3	-17.6%	97.8%
Collection Agencies	18,090	4	13.9%	83.1%
Auto Dealers – Used Cars	16,264	5	12.0%	72.9%
Banks	15,989	6	-29.4%	97.5%
Telephone Companies	15,691	7	65.2%	96.3%
Furniture – Retail	14,521	8	11.5%	75.3%
Auto Repair & Service	14,490	9	10%	66.7%
Internet Shopping	12,877	10	-.6%	71.9%

1 Complaint rank is out of 4,790 industry categories
2 Average resolution rate across all industries for 2011 was 76.3 percent

Some industries saw big improvements over the past year. Complaints about health and medical products fell 61%, vitamins and food supplements fell 49%, satellite equipment and supplies fell 46%, vacation certificates and vouchers fell 45%, complaints about small business loans were down 38%, extended warranty contract service companies down 38%, buying clubs down 35%, loans were down 35%, complaints about mortgage brokers fell 31%, and banks fell 30%.*

There were quite a few industries with big increases in complaints, but one industry stood out more than any other: payday loan companies had 159% more complaints than in 2010. Other industries with an increase in complaints: book publishers rose 72%; cellular telephone equipment/supplies up 64%, and telephone companies up 64%; electronic equipment repair and service rose 54%; florists complaints rose 52%; travel clubs were up 48%; general merchandise retail increased 46%; insurance services rose 43%; and skin care rose 41%.*

* The most improved/declined industries were those with the highest percentage changes in complaints from 2010 to 2011 for those industries with at least 1,000 complaints in 2011. All of those noted are in the top 200 industry categories that BBB tracks.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Accredited Business Spotlight: En Su Casa Caregivers

3/2/2012

Posted on 3/2/2012 by

BBB Corporate Partners help BBB maintain its leadership role of building trust in the community. BBB serving Central, Coastal, Southwest Texas and the Permian Basin is proud to spotlight one of its Black Diamond Partners, En Su Casa Caregivers. For information on becoming a BBB Corporate Partner, please contact Robyn Householder, VP of Business Development at 512.206.2809.

About En Su Casa Caregivers

Care for aging relatives and children with special needs is a growing challenge for families throughout every community. Some make the often agonizing decision to turn for help to an assisted living facility or nursing home. However, for many, the high costs and emotional stress of placing a loved one in a facility often pressure family members into the role of caregiver themselves. The loving relative enters into the responsibility with every good intention, only to find that the strength, energy and time needed to provide proper care is more than they could have anticipated. They also discover their own lives have become unrecognizable. Their responsibilities, as well as their own general health and welfare have gone neglected. They are physically and emotionally exhausted, contending with fear and guilt. In short, they are overwhelmed. But there is an alternative.

En Su Casa Caregivers is a home healthcare agency with a focus on the needs of the entire family. First, they provide a wonderful alternative to facility care. They bring care to the family by placing a quality caregiver in the client’s home. Caregivers are available on both a full and part-time basis depending on the needs of the client. They provide companion assistance with all activities of daily living.

Secondly, En Su Casa Caregivers provides relief for the family of the client to carry on the tasks and events of their own life, confident that their loved one is receiving responsible care and attention. “We have personal experience caring for our own loved ones,” said Linda Smith, President and Owner of En Su Casa Caregivers. “We understand the impact it can have on the family physically and emotionally. And we care a great deal about that.”

The leadership at En Su Casa Caregivers is backed by over 23 years of experience. They serve the greater San Antonio area, Uvalde and Eagle Pass. If you, or someone you know, are in need of care you can have confidence in, contact En Su Casa Caregivers to begin service.

What Contractors Need to Know About HB 1711 Before Severe Weather Season

3/2/2012

Posted on 3/2/2012 by

New Texas Law is Tougher on Contractors Providing Disaster Relief Services

January flooding in Central Texas this year brought a reminder to Texas consumers and business owners that severe weather can swiftly damage homes, vehicles and other infrastructure. Following last year’s wildfire disaster in Bastrop, trustworthy businesses like yours responded to relief efforts. Did you know that a new law was already in place to regulate contract terms?

The Texas Legislature passed HB 1711 to help protect against predatory scammers looking to take advantage of distraught consumers. The bill takes effect when the governor formally declares a natural disaster. Be sure to familiarize your business with the provisions of HB 1711 in the event of hail storms, floods, tornadoes or other severe weather that the Spring season may bring.

If a natural disaster occurs in the county where your business is registered or any bordering county, HB 1711 does not apply. However, if a natural disaster occurs at least two counties away, your business must adhere to the following set of regulations:

Disaster Remediation Services are Covered
Disaster Remediation Services include removal, sanitization, demolishment, reconstruction and any other treatments your business performs for a customer in the event of a natural disaster.

Prepayments Cannot Be Accepted
HB 1711 prohibits the acceptance of prepayments, even for material costs. Your business may collect partial payments throughout the course of work, but payments must be proportionate to the amount of work performed.

Contracts Must Be in Writing
In order for work to begin immediately, a signed written contract must be in place between your business and your customer. Additionally, the contract must state (in a minimum of 10-point font), the following:

“This contract is subject to Chapter 57, Business & Commerce Code. A contractor may not require a full or partial payment before the contractor begins work and may not require partial payments in an amount that exceeds an amount reasonably proportionate to the work performed, including any materials delivered.”

In the event of a natural disaster, consumers turn to their local BBB to find trustworthy businesses. To ensure you reach your potential customers, make sure you take full advantage of your BBB Accreditation. Visit centraltx.bbb.org/advantages-of-accreditation or call Accredited Business Services at 512.445.4748 for more information.

New Work-at-Home Regulations Offer Consumers More Protections

3/1/2012

Posted on 3/1/2012 by

New work-at-home regulations offer consumers more protections

The FTC has enacted new regulations regarding work-at-home programs

AUSTIN, Texas - Mar. 1, 2012 – Effective today, March 1, amendments to the Federal Trade Commission’s Business Opportunity Rule go into effect. The changes implement new disclosures that work-at-home businesses must provide to ensure consumers have the appropriate information they need when considering a work-at-home program.

For decades, Better Business Bureau has heard from consumers scammed out of money by work-at-home programs. Since January, BBB has given out more than 1,200 business reports to local consumers interested in these opportunities. And in the past 36 months, more than 10,000 complaints have been filed with BBB’s nationwide.

To help consumers make informed decisions about work-at-home programs, there are five key items work-at-home businesses must now disclose using the FTC approved disclosure form:

1. Its identifying information (i.e. the name, business address, and telephone number)

2. If earning claims are made, the basis for that claim

3. Whether the company, its affiliates or key personnel have been involved in certain legal actions

4. Whether the company has a cancellation or refund policy

5. A list of people who bought this business opportunity within the previous three years

While these new regulations will help consumers better understand these work-at-home programs, consumers still need to be vigilant and cautious. Here are common red flags to watch for that could indicate a work-at-home scam:

1. Non-compliance with the FTC’s new regulations. If a company is not willing to provide you all the information now required, walk away and report them to your BBB and the Federal Trade Commission.

2. Big bucks for simple tasks. Watch out if they promise to pay you a lot of money for jobs that don’t seem to require much effort or skill.

3. You are asked to invest money up-front. If someone asks you to make an advance payment – especially if it’s a big investment, or you don’t have much information about the deal – this is a red flag. Or, if they expect you to make a major purchase of equipment, software or inventory in order to get started, be careful. Often these are the most persuasive kinds of scams.

4. They ask you to wire money. If you wire a payment to somebody, it’s gone forever. Scam artists often ask you to wire payments because they know you won’t be able to get your money back.

5. High pressure to do it now. Don’t be in a hurry to accept an unsolicited offer of work, or to make a business investment, particularly if the other party is asking you to spend your money on the deal. Take your time.

If you feel you have been a victim of a work-at-home scam, file a complaint with your local BBB at www.bbb.org or with the FTC at www.ftc.gov.

To check the reliability of a company, visit bbb.org.

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Celebre la Semana Nacional de Protección al Consumidor con el BBB

2/28/2012

Posted on 2/28/2012 by

Celebre la Semana Nacional de Protección al Consumidor con el BBB

BBB participa en la Semana Nacional de Protección al Consumidor para ayudar a educar a los consumidores

AUSTIN, Texas - 28 de Febrero 2012 - Better Business Bureau se está uniendo con las agencias federales, estatales y locales, y organizaciones nacionales para promover la educación de los consumidores durante el año 14 de la "Semana Nacional de Protección al Consumidor." Busque información nueva todos los días durante esta semana, días 4 a 10 de marzo.

"Estamos muy emocionados de ser parte de la Semana Nacional de Protección al Consumidor", dijo Carrie A. Hurt, presidente y CEO de BBB Sirviendo al Centro, Costa, el suroeste de Texas y el Permian Basin. "Esta semana se trata de animar a los consumidores a tomar mejores decisiones de compra, y eso es exactamente lo que planeamos hacer".

Miles de consumidores buscan a BBB, como el primer recurso de información sobre empresas locales y regionales. Nuestro objetivo es ir la milla extra para ayudar a los consumidores a aprovechar al máximo de sus derechos de consumidor. Cada día, durante NCPW, BBB enviará consejos de protección para los consumidores en una variedad de temas, tales como tarjetas de crédito y de débito, la compra de un coche, haciendo donaciones para organizaciones caritativas y otros temas importantes de la comunidad.

Además, los profesionales de BBB estarán participando en varios contratos de discurso a través de centro, la costa, el suroeste de Texas y el Permian Basin, educando a los consumidores sobre el robo de identidad y las estafas más comunes. Una lista completa de todos los BBB eventos durante la semana de NCPW se puede encontrar en www.bbb.org.

Diario BBB consejos en Facebook (www.facebook.com / yourBBB), Twitter (@ CentralTexasBBB) y en nuestro blog (watchyourbuck.com) para ver los consejos diarios y compartir ideas y consejos de su cuenta.

Para comprobar la fiabilidad de una empresa y encontrar empresas confiables, visite bbb.org.

Celebrate National Consumer Protection Week With Your BBB

2/28/2012

Posted on 2/28/2012 by

Celebrate National Consumer Protection Week with your BBB

BBB participates in National Consumer Protection Week March 4 – 10 to protect consumers

AUSTIN, Texas - Feb. 28, 2012 – Better Business Bureau is joining with federal, state and local government agencies, and national organizations to promote consumer education during the 14th annual National Consumer Protection Week, March 4-10.

“We’re very excited to be a part of National Consumer Protection Week,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “This week is all about teaching consumers the tools to make smarter purchasing decisions, and that’s exactly what we plan to do.”

Thousands of consumers turn to BBB as the preeminent resource on businesses, and our goal is to go the extra mile in encouraging consumers to take full advantage of their consumer rights. Each day during NCPW, BBB will issue a daily consumer protection tip on a variety of consumer issues, such as credit and debit cards, buying a car, giving wisely to charity and other important marketplace issues.

In addition, BBB professionals will be participating in several speaking engagements across Central, Coastal, Southwest Texas and the Permian Basin educating consumers on identity theft and common scams. A full list of all BBB events taking place during NCPW can be found at www.austin.bbb.org/consumer-protection-week.

Check in daily with BBB through Facebook (www.facebook.com/YourBBB), Twitter (@CentralTexasBBB) and our blog (watchyourbuck.com) to see the daily consumer protection tips and to share ideas and tips of your own.

A complete list of the organizations involved in NCPW can be found here.

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Select a Trustworthy Travel Agent to Book Your Spring Vacation

2/20/2012

Posted on 2/20/2012 by

Select a trustworthy travel agent to book your spring vacation

BBB tips for selecting a trustworthy travel agent

AUSTIN, Texas - Feb. 20, 2012 – Spring is on the way which means many families and students will be looking to take a quick vacation during spring break. Whether jetting to Cancun or taking off for Disneyland, Better Business Bureau advises consumers to make travel arrangements through trustworthy travel agencies.

Booking a vacation independently can be a hassle, and travel agencies are happy to shoulder the burden. However, choosing the wrong company could lead to frustration and a wrecked vacation.

Last year, BBB received more than 7,000 complaints nationally against travel agencies and bureaus. Most complaints allege consumers felt misled by travel offers that failed to deliver on promises, or worse, paid money for travel arrangements that were never made.

Follow these tips from your BBB to ensure your trip will be memorable for all the right reasons:

· Use a travel company you trust. Ask family and friends to recommend a company they’ve used and go to bbb.org to see the company’s BBB Business Review. You can also utilize BBB Member Pages to find a BBB Accredited Business to work with.

· Get all vacation details in writing. Get all the details of your vacation in writing, including travel itineraries and booking confirmations. Get a copy of the company’s cancellation and refund policies, and ask questions.

· Verify reservations. Get the contact information for the airlines, car rental companies and hotels you’ll be using, and call to confirm all arrangements.

· Consider travel insurance. Travel insurance is designed to cover the times things go wrong, such as a trip cancellation or medical emergency. Before purchasing any type of travelers insurance check your homeowner’s or medical insurance policies to see what is already covered.

· Pay with a credit card. Paying with a credit card gives you more protections should something go wrong with the travel reservation.

· Be on the alert for travel scams. Unsolicited mail, email and faxes for deeply discounted travel packages could leave you out a vacation and money if you’re not careful.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t Let Your Valentine’s Day Love Match Scam Your Heart and Bank Account

2/13/2012

Posted on 2/13/2012 by

Don’t let your Valentine’s Day love match scam your heart and bank account

Proceed with caution when searching for and using an online dating site

AUSTIN, Texas - Feb. 13, 2012 – Market Research released a report last month stating that dating services are a $2.1 billion industry, with online dating representing 53 percent of the market. With an estimated 1,500 online dating sites, according to Market Research, Better Business Bureau advises those consumers looking for love to be cautious and thoroughly research sites before committing their heart and money.

Online dating is an effortless way of interacting with people without having to go out and meet people the traditional way. However, with that come the dangers of not knowing exactly who you are talking with on the other end.

A common scam associated with online dating involves someone who claims to live in another city or even another country. He or she uses the Internet to build a relationship and foster trust, and will then ask for money so they can come and visit, or he or she will manufacture a crisis that requires quick cash.

There are multiple red flags to watch for when dating online, such as:

· Insistence on communicating outside of the dating site. Some dating sites monitor exchanges for signs of fraud, so a fraudster may try to lure you away from the site.

· They claim to have a sudden emergency. Scam artists will claim that there has been an emergency and they need your assistance. They ask you to wire money to them because they are unable to access their account.

· Discrepancies in what they tell you. Save emails or chat logs, and pay attention to the details.

· Refusal to meet in-person. Scammers will often use distance or other excuses to avoid an in-person meeting.

· Anyone contacting you from overseas should be avoided.

Even though Internet dating is becoming more popular, it is still a relatively new way of meeting people. Consumers need to understand the dangers associated with online dating so they can make their search a safe one, and also be wary of the online dating sites they choose.

For those looking to start their search for love, BBB offers the following tips for finding a trustworthy online dating site:

· Research in advance. Review the company history and its reputation with customers on www.bbb.org. Also, look for a "Frequently Asked Questions (FAQ)" section of the website or marketing brochure to be sure you feel comfortable with all of the program components.

· Put safety first. Remember, that all personal information provided will be made available for all those on the site to see. Avoid putting too much personal information on your profile, such as home address, work information, telephone number, etc.

· Read the contract and fine print thoroughly. Specifically look for free trial offers and deals that require you to cancel to avoid additional charges. Be sure the contract lists out payment plans, length of contract and refund and cancellation policies in case you are dissatisfied with the company's services.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Mo Money Taxes Leaving Consumers with Serious Questions

2/8/2012

Posted on 2/8/2012 by

Mo Money Taxes leaving consumers with serious questions

BBB issues consumer alert on nationwide tax company

AUSTIN, Texas - Feb. 8, 2012 – A number of Better Business Bureaus across the country have received consumer complaints and media questions about a tax preparation company called Mo Money Taxes (also known as MoneyCo USA).

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

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

Some of the complaints to BBBs include:

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

There is no official response from the IRS at this point, and Mo Money Taxes is still listed on the IRS website as an acceptance agent. BBB attempted to contact the Mo Money Taxes office in San Antonio, TX but was unable to reach the company.

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

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

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

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

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

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Scammers Target Investors Through Social Media Sites

2/7/2012

Posted on 2/7/2012 by

Scammers target investors through social media sites

The anonymity of social media sites makes it easy for scammers

AUSTIN, Texas - Feb. 7, 2012 – With the rise in popularity of social media sites, such as Facebook, Twitter and YouTube, many scammers are finding it easy to sell fraudulent investment scams to unwary investors. The Texas State Securities Board issued a release last September advising people to be wary of social media investments scams.

“Today, crooks are increasingly logging on to find investors,” said former Securities Commissioner Benette L. Zivley in the release. “Online networking and media sites make it easier to establish trust and credibility with investors, and then launch an investment scheme.”

Scammers use the anonymity of these social media sites to build relationships with potential investors. The ability to access personal information such as name, birth date, interests, addresses, religious affiliation, personal photos, etc. allows scammers to personalize and target their pitch, and over time build trust with potential victims.

Investors are not the only target for scammers, though. Promoters of these investment scams use online pitches to recruit people to sell illegal or inappropriate investments, as well as spread misleading and untrue information to falsely inflate the value of a stock.

BBB has these tips to protect you from unscrupulous social media investment opportunities:

· Be wary of unknown “friends.” If approached with an investment opportunity on a social media site, be cautious and ask questions. Don’t make any quick decisions or rush to judgment just because you are “friends” with or follow someone on a social media site.

· Protect your personal information. Check your privacy settings so you can control who can see your profile and exercise good judgment when posting personal information.

· Avoid high-pressured pitches. Do not feel pressured to “act now.” Take time to research any possible investment yourself. Any legitimate company will give you the time you need to make the decision best for you.

· Beware of testimonials from other investors. Scam artists will frequently pay out high returns to early investors using money from later investors, otherwise known as a Ponzi scheme. Fraud aimed at groups of people with similar interests is called affinity fraud.

· Confirm registration and licensing. Before investing any money, make sure the investment advisor or representative is registered and licensed. You can reference the Central Registration Depository through the U.S. Securities and Exchange Commission or the Financial Industry Regulatory Authority.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Concealed Handgun Class in Odessa Raises Red Flags

2/3/2012

Posted on 2/3/2012 by

Concealed handgun class in Odessa raises red flags

PERMIAN BASIN, Texas - Feb. 3, 2012 — Better Business Bureau is warning consumers in the Permian Basin to be wary of a Feb. 5 class advertised as a “no-shoot, no-test” means of obtaining a Florida concealed handgun license. The advertisement may not be in line with Florida state law.

An ad ran in the Odessa American and claims Dixon CHL Classes will provide a Florida Certificate of Competence after a five-hour seminar. A $75 deposit is required to sign up for the class, and a phone number is the only contact information provided. BBB has no record of Dixon CHL Classes.

BBB contacted the Texas Department of Public Safety, and a representative said that a Florida concealed carry license would be valid in Texas. However, a representative of the Florida Department of Agriculture and Consumer Services said all concealed carry licenses issued by that state require range training and testing.

Consumers should be extremely wary of this seminar. Those interested in obtaining a concealed carry license should visit the Texas DPS website.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Cómo encontrar ayuda confiable de preparación de impuestos

2/3/2012

Posted on 2/3/2012 by

Cómo encontrar ayuda confiable de preparación de impuestos

Consejos de BBB para obtener la ayuda de un preparador de impuestos

AUSTIN, Texas - 3 Febrero 2012 - Los contribuyentes tienen hasta el 17 de abril para presentar sus declaraciones de impuestos 2011 y pagar cualquier impuesto adeudado. El IRS dice que, el 80 por ciento de las personas buscan la ayuda de un preparador de impuestos o software de impuestos al presentar sus impuestos. Better Business Bureau aconseja a los contribuyentes que tenga cuidado al seleccionar los recursos de preparación de impuestos para ayudar a evitar multas o tasas.

Los profesionales de impuestos ofrecen una variedad de servicios, además de completar su declaración. Ellos son generalmente más familiarizados con las estrategias de ahorro fiscal. Le pueden ayudar a organizar y planear para los impuestos del próximo año y ayudará a determinar si usted está obligado a pagar impuestos cada trimestre. Asegúrese de elegir un preparador que ofrece exactamente los servicios que necesita.

En 2011, BBB recibió 67 quejas en contra de consultores de impuestos, representantes y preparadores. Comúnmente, las personas que presentan estas quejas dicen que el preparador de impuestos cometido errores en su declaración que dio lugar a multas y cargos adicionales. Si usted está planeando trabajar con un preparador de impuestos profesional, BBB ofrece algunos consejos:

- Pida referenciasy hacer su investigación. Obtenga referencias de amigos y familiares. Echa un vistazo a informe de la compañía fiabilidad en bbb.org para ver su calificación de BBB y cualquier historial de quejas.

- Busquelas credenciales. Es recomendable buscar un impuesto a favor que es un Agente Inscrito, Contador Público o un abogado de impuestos. Estos preparadores de haber completado los exámenes extensos en materia fiscal, debe mantenerse mediante el cumplimiento de requisitos de educación continúa profesional y con eso están calificados para representar a su declaración de impuestos si se audita.

- Obtengauna estimación dela empresapor escrito. El costo de su declaración puede variar dependiendo de la complejidad y la integridad de su información. Antes de que usted acepte los términos, presente toda la información y obtenga una estimación por escrito.

- No se deje engañar por la promesa de las restituciones a grande. Tenga cuidado con cualquier servicio de preparación de impuestos que promete un reembolso mayor que la competencia, y evite los preparadores de impuestos que basan sus honorarios en un porcentaje del reembolso.

- Pensar sobre accesibilidad. Muchos de los servicios de preparación de impuestos sólo se instaló durante los meses previos al 17 de abril. En caso de que el IRS encuentra errores, o en caso de una auditoría, es posible que necesite ponerse en contacto con su preparador de impuestos; Compruebe que estén disponibles para ofrecer años de servicios alrededor.

- Evite Refund Anticipation Loans (RALs). Los preparadores de impuestos ofrecen RALs para que pueda recibir su reembolso de impuestos inmediatamente, tenga en cuenta, esto no es una devolución real del IRS, en realidad es un préstamo de la empresa y podría incluir una alta tasa de interés. Para evitar RALs, considere presentar su declaración de impuestos electrónicamente para solicitar su dinero depositado directamente en su banco.

Lo que usted necesita traer:
• Todos los documentos de sus impuestos
• Identificación con fotografía
• Tarjetas de Seguro Social para usted y sus dependientes
• Chequera para el depósito directo de su reembolso
• Copia de la declaración de impuestos del año pasado

Para comprobar la fiabilidad de una empresa y encontrar empresas confiables, visite bbb.org.

How to Find Trustworthy Tax Preparation Help

2/3/2012

Posted on 2/3/2012 by

How to find trustworthy tax preparation help

BBB tips for enlisting the help of a tax preparer

AUSTIN, Texas - Feb. 3, 2012 – Taxpayers have until April 17 to file their 2011 tax returns and pay any tax due. According to the IRS, 80 percent of Americans will enlist the help of a tax preparer or tax software when filing their taxes. Better Business Bureau encourages taxpayers to use caution when selecting tax preparation help to avoid penalties or fees.

Tax preparation professionals offer a variety of services in addition to completing your return. They are generally more familiar with tax saving strategies, can help you organize and plan for next year's taxes and help you determine if you are required to pay taxes each quarter. Make sure you choose a preparer who offers the services you need.

In 2011, BBB received 67 complaints against tax consultants, representatives and preparers. Commonly, complainants state that the tax preparer made errors in their return which resulted in fines and additional fees. If you are planning to work with a professional tax preparer, BBB offers a few tips:

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

What you’ll need to bring:

· All your tax documents
· Photo identification
· Social Security Cards for yourself and your dependents
· Checkbook for direct deposit of your refund
· Copy of last year's tax return

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Market Your Business Effectively on Facebook

1/31/2012

Posted on 1/31/2012 by

BBB Offers Guidelines for Engaging Potential Customers via Social Media

Social media has transformed over the past few years from a fun, creative option for businesses into an invaluable marketing tool. With more than 800 million active users, Facebook contains one of the largest consumer bases in the world. The average user is connected to 80 community pages, groups and events. Reaching those potential customers requires a strategic approach and a concise message.

Use the following guidelines to help maximize your results:

Create Value
According to Altimeter Group, the most common reasons consumers interact with a company’s social media sites are for discounts, purchase information, reviews and product rankings. Make sure your Facebook page sends a clear message that your products and services are of the highest quality. If your budget allows, consider offering a discount to your loyal Facebook community.

Be Transparent and Engage Your Audience
Consumers will stop following your business if you don’t consistently deliver valuable information to them. Address all questions or complaints in a timely manner and be open to suggestions. The person you are responding to may not only be a potential customer, but they may also be a referral source for your business.

Post Photos and Videos
Many consumers feel a more personal interaction if they can see and hear content rather than read it. Highlight your product and service offerings by posting photos and videos on your Facebook page. Displaying samples of your work can help enhance the buying experience for your potential customers.

Avoid Behaviors that Cause Consumers to “Unlike” Your Page
A survey conducted by ExactTarget shows the most common reasons consumers “unlike” a business’ Facebook page:

1. The company posted too frequently

2. Their wall became too crowded with marketing posts and they needed to remove them

3. The content became repetitive or boring over time

4. They only “liked” the page to take advantage of a one-time offer

5. The company’s posts were too promotional

One of the best ways to send a clear message of trust to potential customers is to display the BBB Dynamic Seal on your web and social media sites. The seal includes your BBB Rating along with a direct link to your BBB Business Review. To install the BBB Dynamic Seal, visit www.bbb.org/online/business/dynamicseal.aspx or call Accredited Business Services at 512-445-4748.

Is Your Business Prepared for a Natural Disaster?

1/31/2012

Posted on 1/31/2012 by

BBB Offers Tips to Help Deal with the Unexpected

The change from winter to spring may bring with it several potential weather events that could pose trouble for your business. Last February, many businesses were affected by several days of sleet, snow and ice, and later in the spring, hail storms and flash floods caused more damage to local infrastructure.

According to the U.S. Department of Labor, more than 40 percent of businesses never reopen following a natural disaster. Small businesses especially have a tough time due to a lack of resources. Protect your business by having a proactive approach for dealing with the unexpected.

Below are tips to assist you with your planning:

Review Your Insurance Policy
It is important to understand your insurance policy and what the fine print means. Specifically, know what type of natural disasters are covered and what your role is should one occur. Determine if you require additional coverage by reviewing the monetary limitations associated with each natural disaster.

Update Your Inventory
When you submit an insurance claim, you will need to provide an itemized list of damages. Having an accurate inventory prepared prior to a natural disaster will help you assess the situation and determine what your needs are in order to get your business back to normal operating capacity.

Empower Your Staff
Post an emergency plan of action in your place of business or include it with new employee manuals. This will ensure the safety of all staff should a natural disaster occur, and help your business move immediately on to the next step of your action plan.

Develop a Communication Plan
Make sure you have a plan developed to communicate with your customers and vendors in the event of a natural disaster. Develop a list of all parties that have regular contact with your business and account for any outstanding deliveries or customer orders. Update your web and social media sites to communicate any pertinent information.

Manage Expenses
If your business closes temporarily due to a natural disaster, continue to process expenses, such as accounts payable and payroll. Compile a list of all expenses along with account access information in order to continue to be able to operate in a normal capacity.

For more business resources you can trust, visit centraltx.bbb.org/business.

BBB Warns of Do Not Call Phone Scam

1/30/2012

Posted on 1/30/2012 by

BBB warns of Do Not Call phone scam

Scammers pose as representatives from the National Do Not Call Registry

AUSTIN, Texas - Jan. 30, 2012 – Better Business Bureau warns consumers that scammers are making phony phone calls claiming to represent the National Do Not Call Registry.

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

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

BBB reminds consumers:

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

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

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

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

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Watch for Scams Associated with Severe Weather

1/25/2012

Posted on 1/25/2012 by

Watch for scams associated with severe weather

BBB offer tips for consumers facing repairs due to severe weather

AUSTIN, Texas - Jan. 25, 2012 – Severe weather hit Central Texas last night bringing with it several inches of rain, high winds, hail and even reports of a possible tornado. According to the National Weather Service, the hazardous weather conditions will continue throughout the morning bringing with it damaging winds and flash flooding.

As the weather passes, many consumers will start to evaluate the damage done and begin the clean up process. Better Business Bureau receives hundreds of complaints every year concerning subpar work performed by contractors, and encourages consumers to take the time to properly research contractors to avoid creating a bigger problem.

From damaged roofs, to fallen tree limbs, to flooded homes, BBB offers these tips for consumers who may be facing repairs due to severe weather:

· Get multiple bids. Get bids from at least three companies and ask for referrals. Utilize BBB Request a Quote to get multiple estimates from BBB Accredited Businesses.

· Take your time signing a contract. Get a written estimate that includes any oral promises the contractor made. Remember to ask if there's a charge for an estimate before allowing anyone into your home. Ask for explanations for price variations. Get a copy of the final, signed contract before the job begins.

· Avoid paying a large sum upfront. Resist dealing with any contractor who asks you to pay for the entire job upfront. A deposit of one-third of the total price is standard procedure. Pay only by check or credit card – and pay the final amount only after the work is completed to your satisfaction. Avoid paying in cash.

· Beware of door-to-door solicitations. Sudden, severe storms can bring fly-by-night contractors to the area. Often these contractors solicit work door-to-door, have no license or contact information and require high upfront fees before beginning. BBB recommends researching the company before agreeing to have any work done.

· Plan ahead and be prepared. Spring is generally the time we see more severe weather. If your trees need trimming or that hole in your roof needs repairing, don’t wait for another big storm to blow through, get it done now to avoid problems later.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Locksmiths Unlock Customer Frustrations

1/25/2012

Posted on 1/25/2012 by

Locksmiths unlock customer frustrations

Better Business Bureau recommends consumers be extra cautious when hiring a locksmith

AUSTIN, Texas - Jan. 25, 2012 — Standing outside his house on a cold night last year, Austin resident Carlos Marquez did not feel like he was in any position to argue with the locksmith who had come out to help him get the broken key out of his lock. Marquez’s family was trying to stay warm in the car, and he had been quoted a reasonable price, $39, on the phone.

“He said, ‘Before I do anything, you have to sign this,’” Marquez said. “Basically what he had me sign was an invoice. It was a blank invoice.”

Marquez said he generally reads documents before signing. But, it was too dark to read that night, and he felt like he had to sign or he would not be able to get back into his house.

“When your family is out in the cold you’re not thinking straight,” he said.

The locksmith proceeded to drill out the old lock and replace it with another. Once Marquez saw what was involved, he realized he could have done the work himself for the cost of a new lock at a home improvement store.

After he was finished, the locksmith told Marquez the total cost for the job was more than $500. When Marquez refused to pay, the locksmith showed him the signed invoice and said he would call the police.

“I kind of felt threatened by him,” Marquez said.

When Marquez called the company the locksmith worked for, the representative on the phone said the locksmith was a contractor and the company had no control over his pricing. Marquez said he felt like he had no choice but to pay.

Better Business Bureau is advising consumers to be especially cautious when hiring a locksmith. Nationally, BBB received almost 1,000 complaints against the industry last year. Most consumers alleged the company charged much more than quoted, or the work done was shoddy or damaged their home or vehicle.

Chris Kiningham, owner of Urgent Lock and Key in Austin, said he has witnessed all manner of disreputable dealings by fellow locksmiths, adding that, in a way, Marquez was lucky to just be overcharged.

Kiningham has been called in to assist after an inexperienced locksmith ruined the ignition of a customer’s car, and caught one company purposefully trying to bill a customer twice for the same service. Customers have even told him that a previous locksmith had threatened them with physical harm if they did not pay the inflated charges.

“Obviously a minor issue is the money,” he said. “They’re also very intimidating, especially with women.”

Adam Webb, owner of Austin Key Guy, said when he tried to expose some of the dishonest practices other locksmiths used, he started getting strange calls. Those calls eventually escalated into threats.

“There was one day where I received about 400 phone calls in the period of four hours. It was their attempt to shut down my phone line so I couldn’t receive any more phone calls,” he said. “They said that I need to watch my back; that they weren’t playing games anymore, and if I didn’t stop doing what I was doing, they were going to kill me.”

One of the practices Kiningham and Webb warned against was advertising a very low rate for a service call — typically $15 — and then charging exorbitant rates once the job was finished. They said if a price seems much lower than equivalent rates with competitors, there is probably a reason for it.

“I’ve bumped into them on jobs; I’ve known some of them personally and their goal is just to get as much money from the customer as they can,” Webb said. “If they get busted, they will just change their business name, or move to a different state.”

San Antonio resident Michael Irvin ran into a problem using a company that used different names in multiple cities when his daughter locked herself out of the house she was renting. He found a company that was based out of Schertz, but ended up waiting an hour and a half for the locksmith to arrive.

Irvin said, based on how long he waited and his conversations with the locksmith, he surmised that the man was based in San Antonio. He found that the company advertised a different name in every city to appear local.

“I read all the ads, I looked at them online and stuff and everything looked legit,” he said. “I wasn’t going to get somebody from San Antonio.”

Once the locksmith arrived, Irvin said, he charged almost $200 to open a basic lock. Irvin had been quoted $12 for the service call, plus $45 for the lock.

“He said that’s the starting fee,” Irvin said. “Being stupid and not being at my house, I signed the papers on the hood of his car. … But when they say that’s the starting fee, you can’t get any simpler lock (than the one the locksmith opened).”

He said he tried to dispute the price with the company, but discovered there was no contact information on the receipt and when he called the number he found online, no one answered the phone or returned his messages.

“Looking back, it was probably a fly-by-night operation,” he said.

Kiningham said that a license and a professional website is not a guarantee of good service.

“A lot of these companies do have legit licenses, but they don’t follow all of the rules,” he said. “They just do the bare minimum to keep from being monitored.”

While locksmiths are held to a tougher standard in Texas than in many other states, he added, he would like to see more enforcement from the Texas Department of Public Safety.

According to the DPS website, locksmiths must have the same license as armored car services, armed guards and private investigators. They are required to maintain insurance and pass a background check in order to obtain the license.

However, Kiningham said not all bad locksmiths are breaking the law. He once stopped working for a company that he felt skirted the line.

“They didn’t do anything illegal that I knew of,” he said. “But it was just kind of an unethical way to do business.”

BBB recommends consumers follow these tips when hiring a locksmith:

· Find a company before you need it. Kiningham said the worst time to try to research a locksmith is when you’re locked out of your house or car. He advised getting recommendations from friends, checking the company’s license and checking the company’s BBB Business Review, then saving the number in your phone in case of emergency.

· Know where to turn. If you find yourself locked out of your car or home and don’t have a trusted locksmith’s phone number, check the BBB iPhone App. If you are locked out of a car with your child inside, call the police.

· Check the license. Locksmiths are required to carry a copy of their license, issued by the DPS, anytime they are on the job. Even if you have researched the company beforehand, ask to see the individual’s license when he or she arrives.

· Know the price before agreeing to the work. Though locksmiths may not always know the extent of the job before they start, Kiningham said they should be able to provide a fairly accurate range based on the details you provide.

· Read the fine print. Be sure to read any contract thoroughly before signing. Check for additional fees that weren’t discussed and understand the terms of any guarantees. Ask what the company will do should the locksmith damage your property and make sure that is in writing as well.

· Don’t pay cash. Even mobile locksmiths should be able to accept credit cards or checks. Kiningham said scammers will often insist that the machine is broken or give another excuse for needing cash. Don’t fall for it.

· Pick a shop with a storefront. While there are several legitimate mobile services in Austin, including his own, Kiningham said someone who has an actual storefront is easier to track down should there be a problem.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Avoid Being Super Scammed by Super Bowl Scammers

1/24/2012

Posted on 1/24/2012 by

Avoid being super scammed by Super Bowl scammers

BBB offers tips for those super-fans looking for Super Bowl tickets or travel packages

AUSTIN, Texas - Jan. 24, 2012 – Feb. 5, the New England Patriots and the New York Giants will compete for the title of National Football League champion. Indianapolis is expecting close to 150,000 visitors for Super Bowl XLVI, many of whom will be out-of-town fans traveling long distances to see their teams compete. Better Business Bureau reminds consumers to use caution when purchasing tickets or travel packages for the big game.

Those super-fans hoping to make it to the Super Bowl have a couple options when it comes to buying tickets to the game. Consumers can go through what’s known as the “primary market,” which consists of companies that contract with venues and promoters to sell seats at their events. Another option is the “secondary market,” which is a marketplace where people can buy and resell tickets they’ve purchased.

As the Super Bowl is one of the biggest sporting events of the year, Giants and Patriots fans can expect to pay a premium for their tickets. Most Super Bowl tickets are being advertised starting anywhere from $2,000-$15,000.

Nationally, BBB received 1,957 complaints against ticket sellers in 2011. Most complaints allege tickets were misrepresented, not delivered within the estimated timeframe or consumers never received their tickets at all.

Follow these tips when looking for a Super Bowl XLVI game ticket:

· Take the time to properly research and compare tickets. Go to centraltx.bbb.org to find a trustworthy supplier or reseller.

· Ticket brokers should provide clear details concerning the terms of the transaction. For instance, whether the tickets are guaranteed; how they will be sent to you and the timeframe for delivery; and the broker’s refund, rescheduling and cancellation policies. Ask about surcharges.

· Do not buy tickets from Internet sites that are not secure or lack a privacy policy; fail to disclose their refund, rescheduling and cancellation policies; do not provide a telephone number and fixed place of business; or insist on cash payment.

· Verify the location of the seats on a seating chart to avoid being misled into purchasing obstructed view seats or seats that do not exist.

· Pay with a credit card or third party payment processors, such as PayPal, which offers additional protection and allows you to track your purchase.

If considering a travel package:

· According to the U.S. government's “Truth in Ticketing” rules, tour operators advertising a Super Bowl travel package that includes a flight and game tickets are required to have the game tickets in hand or a written contract for the tickets.

· Go to centraltx.bbb.org to find a trustworthy travel agent or tour company.

· The details of the package should be listed in writing, including final price, travel itinerary, rescheduling and cancellation penalties, delivery information and all other specifics of the package, including the name of the hotel and airline.

· Pay with a credit card or third party payment processors, such as PayPal, which offers additional protection and allows you to track your purchase.

· Follow up with the travel promoter a few days before departure to confirm all reservations.

· Be skeptical of a postcard or phone solicitation saying you've been selected to receive a Super Bowl travel package.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Companies Promise Mortgage Help, Deliver Nothing

1/20/2012

Posted on 1/20/2012 by

Companies promise mortgage help, deliver nothing

BBB cautions consumers looking for a break on their mortgage payments

AUSTIN, Texas - Jan. 20, 2012 — Gloria Kroske took out a second mortgage on her Dallas, Ore. home in better times. Now, she and her husband are struggling to pay their bills on Social Security. Her husband has found work off and on, but multiple health problems make working difficult and medical bills are piling up.

While the Kroskes are current on their first mortgage, the second mortgage has been neglected and the bank has started the process of foreclosure. In December, they were forced to file bankruptcy in order to keep the home they have owned for 30 years.

Kroske said in a moment of weakness, she called National Auditing, a company based out of Austin that advertises nationally. She paid more than $1,000 for the company’s services, but never got the modification she needed. Once she made the last payment, she said company representatives stopped answering her calls.

“I just needed some help and they said that they did auditing and stuff on these mortgage companies, so I gave them a call,” she said. “It’s called desperate.”

Customers nationwide have turned to Better Business Bureau, state attorneys general and the Federal Trade Commission with similar stories. The FTC has issued multiple warnings about loan modification and forensic audit scams. BBB registered approximately 1,400 complaints against loan modification companies in 2011.

Though Kroske needed a loan modification, which changes the initial terms of the loan to lower payments, National Auditing only provided a forensic audit.

Such an audit reviews the terms of the original loan for errors, and the FTC warned “there is no evidence that forensic loan audits will help you get a loan modification or any other foreclosure relief, even if they’re conducted by a licensed, legitimate and trained auditor, mortgage professional or lawyer.”

San Antonio resident Brian Becker fell for a different tactic. He lost $2,500 when he hired a Florida company to help him modify his mortgage. He said Summit Legal Group called him and the representative claimed the company secured loan modifications for 100 percent of its clients.

“He assured me that the reason (the fee) was high was they had 100 percent approval rate,” Becker said. “If — for any reason at all — they couldn’t do it, I would get a full refund.”

He said he researched Summit Legal Group online and did not find any negative reviews or hints that there might be trouble. He had researched loan modifications and knew there were restrictions on who could provide such services.

“I thought I was doing my homework here,” he said. “So, I figured OK, I’m doing the right thing going with a law firm.”

He hired Summit Legal Group and paid the $2,500 fee. After not hearing anything for months, a representative from the company called him asking for more money. At that point, he said he knew he had been scammed. Though he was only behind on payments when he originally hired the company, he said he is now facing foreclosure.

In November 2011, the Supreme Court of Florida issued an order barring Summit Legal Group’s owner, William Timothy O'Toole, from practicing law in Florida. The Florida Attorney General has also launched an investigation into Summit Legal Group.

Unlike Kroske, who received a one-time reimbursement from the company holding her first mortgage, Becker never saw any return on the money he paid.

“These people are still walking around on the street, as far as I know,” he said. “They should be locked up. It’s sad to think they’re out there preying on these people’s trust.”

Chris Schneider, a spokesman for the Texas Department of Savings and Mortgage Lending, said companies must be licensed to offer loan modification services, which alter the terms of the original loan. Modifications generally lower a borrower’s payments or interest rate.

He said homeowners should be wary about who they are dealing with, but should not give up hope on obtaining a loan modification.

“Obviously, there have been and probably still are some scam artists in that business,” he said. “But there are some legitimate companies, too.”

Kroske said that as the deadline for foreclosure on her home loomed, she started to feel ever more desperate.

“We’ve lived here and raised our four kids here for 30 years,” she said. “I’m disabled, I’m going blind. So we’re kind of stuck here and don’t know which way to turn or go. … I almost had a nervous breakdown over this whole thing.”

Consumers who need help with their mortgage should consider the following tips:

· Talk to your lender. Before paying an outside company to negotiate with your mortgage provider, try to get some relief yourself for free. Many companies will work with a consumer to avoid foreclosure.

· Use a licensed company. Any business offering loan modification services must be licensed. Search the agent or company name in the National Mortgage Licensing System to ensure you are not dealing with a scammer.

· Know where to turn. If you feel your mortgage provider is treating you unfairly, file a complaint with TDSM online or by phone at 1-877-276-5550. The FTC also recommends consumers call 1-888-995-HOPE to get free personalized advice from housing couseling agencies certified by the U.S. Department of Housing and Urban Development.

· Start with trust. Check out the company’s BBB Business Review at bbb.org to see its BBB rating, complaint history and more.

· Report fraud. If you have been scammed, report your experience to BBB, the FTC (www.ftc.gov); or your state attorney general (www.naag.org).

· Watch for red flags. The FTC lists several warning signs that a loan modification offer may be a scam, including:

guarantees to stop the foreclosure process — no matter your circumstances;
instructs you not to contact your lender, lawyer or credit or housing counselor;
collects a fee before providing any services or accepts payment only by cashier’s check or wire transfer;
encourages you to lease your home so you can buy it back over time;
recommends that you make your mortgage payments directly to loan modification company, rather than your lender;
urges you to transfer your property deed or title to the company;
offers to buy your house for cash at a fixed price that is inappropriate for the housing market;
pressures you to sign papers you haven’t had a chance to read thoroughly or that you don’t understand.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB recomienda a los consumidores solicitar su reporte de crédito anual

1/17/2012

Posted on 1/17/2012 by

BBB recomienda a los consumidores solicitar su reporte de crédito anual

La Ley de Reporte de Crédito Justo permite a los consumidores pedir un reporte de crediticio una vez al año, GRATIS.

AUSTIN, Texas - 17 de Enero, 2012 - Comienza el Año Nuevo sabiendo su puntuación de crédito y su reporte es exacta. Bajo de la Ley Reporte de Crédito Justo, los consumidores pueden recibir una copia gratis de su reporte de crédito de cada una de las tres agencias calificadoras nacional - Experian, Equifax y TransUnion - cada 12 meses.

“Pidiendo su reporte de crédito anualmente es una manera inteligente para los consumidores a entender su situación financiera, y ayudar a evitar fraude financiero y de identidad", dijo Carrie A. Hurt, presidente y CEO del Better Business Bureau del Centro, Costa, suroeste de Texas y el Permian Basin.

Muchos de los anuncios de televisión y sitios web ofrecer "reportes de crédito gratis", "monitoreo de puntuación gratis." Sin embargo, BBB recuerda a los consumidores que AnnualCreditReport.com es la única fuente autorizada para ofrecer los reportes de crédito anual gratis bajo la ley federal.

Además, BBB les da consejos a los consumidores que un reporte de crédito es diferente de una cuenta de crédito. Un reporte de crédito es una fotografía de su historia de uso de crédito. Esto da una idea a un prestamista si usted paga sus deudas atrasadas o pagar a tiempo. Su puntaje de crédito es un número que indica la cantidad de un riesgo que está en pagar una deuda.

BBB ofrece más consejos cuando se solicite su reporte de crédito:

· No soliciten el servicio a través de sitios web desconocidos AnnualCreditReport.com. Si usted recibe un mensaje de-mail o ve un anuncio pop-up diciendo que es de AnnualCreditReport.com o cualquiera de las tres compañías de informes de los consumidores, no responda ni haga clic en ningún enlace en el mensaje. Para ayudar a asegurar la privacidad y la protección de su información personal, ir a AnnualCreditReport.com directamente a solicitar su reporte de crédito anual gratuito sea por sitio web seguro, teléfono o correo electrónico. AnnualCreditReport.com no se pondrá en contacto con los consumidores a través de correo electrónico, telemarketing o solicitaciones de correo directo.

· Considere la posibilidad de solicitar sus reportes con más frecuencia. Solicitando un reporte de crédito cada tres meses a partir de cada una de las agencias nacionales de informes le permite supervisar mejor el reporte y seguimiento de la información nueva que pueda aparecer. Si usted pide todos los informes al mismo tiempo, usted no será elegible para obtener su informe por otros 12 meses.

· Solicite el reporte de crédito de sus hijos. Como el robo de la identidad del niño sigue siendo un problema nacional, es también imprescindible pedir el reporte de sus hijos en el mismo momento que pide el de usted. Agencias de crédito no deliberadamente mantienen los archivos de crédito en los niños menores, pero puede ponerse en contacto con las agencias de crédito directamente para que puedan ejecutar el reporte.

· Evite empresas que afirmen que pueden mejorar su crédito de forma gratuita. El Comisión Federal de Comercio advierte a los consumidores a tener cuidado con empresas que hacen afirmaciones sobre la reparación del crédito. Estas empresas, también se llaman clínicas de crédito. Ellos no hacen nada por los consumidores de que los consumidores no pueden hacer por ellos mismos a un costo bajo o nulo. Cuídese de cualquier organización que ofrece crear un nuevo archivo de identidad y de crédito para usted. Para más información sobre las clínicas de crédito y una lista de señales de advertencia visite www.ftc.gov.

· Aga Preguntas con cualquier error en su reporte de crédito. La información incorrecta o despectiva puede bajar su puntuación de crédito y pueden indicar una actividad fraudulenta. Si usted encuentra la información que usted cree que es incorrecta, usted tiene el derecho de disputar sin cargo. Lo mejor es atender cualquier error inmediatamente y ponerse en contacto con la agencia de informes que ha solicitado su reporte para presentar su disputa.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Reminds Consumers of Their Free Annual Credit Report

1/17/2012

Posted on 1/17/2012 by

BBB reminds consumers of their free annual credit report

The Fair Credit Reporting Act allows consumers a free annual credit report

AUSTIN, Texas — Jan. 17, 2012 — Start the new year knowing your credit is in good standing and your credit report is accurate. Under the Fair Credit Reporting Act, consumers can receive a free copy of their credit report from each of the three nationwide reporting agencies — Experian, Equifax and TransUnion — every 12 months.

“Pulling your credit report annually is a smart way for consumers to understand their financial health, as well as avoid financial and identity fraud,” said Carrie A. Hurt, president and CEO of Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin.

Many television advertisements and websites claim to offer “free credit reports,” “free credit scores” or “free credit monitoring.” However, BBB reminds consumers that AnnualCreditReport.com is the only authorized source for free annual credit reports under federal law.

Additionally, BBB reminds consumers that a credit report is different than a credit score. A credit report is a snapshot of your credit use history which gives a lender a view of whether you pay your debts back or not. Your credit score is a number which shows lenders how much of a risk you are in paying back a debt.

BBB offers these tips for pulling your annual credit report:

· Do not access the Annual Credit Report Request Service through links from unfamiliar websites. If you get an e-mail or see a pop-up ad claiming it’s from AnnualCreditReport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. To help ensure the privacy and protection of your personal information, go to AnnualCreditReport.com directly to request your free annual credit report either by secure website, phone or email. AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.

· Consider pulling your reports quarterly. While you can pull all three credit reports at once, you can also consider pulling your credit reports quarterly. Pulling your reports separately allows you to better monitor your reports and keep track of any changes or new information that may appear on your credit report. If you pull all your reports at once, you won’t be eligible to pull your report for another 12 months.

· Pull your child’s credit report. As child identity theft remains a national problem, it can be just as imperative to pull your child’s report as it is to pull your own. While the credit reporting agencies do not knowingly maintain credit files on minor children, you can contact the credit reporting agencies directly and they can run the report.

· Avoid companies that claim they can improve your credit for free. The Federal Trade Commission cautions consumers to be wary of companies that make claims regarding credit repair. These companies, commonly called credit clinics, don't do anything for consumers that consumers cannot do for themselves at little or no cost. Beware of any organization that offers to create a new identity and credit file for you. For more information on credit clinics and a list of warning signs visit www.ftc.gov.

· Dispute inaccuracies on your credit report. Inaccurate, derogatory information can lower your credit score and may indicate possible fraudulent activity. If you find information that you believe is inaccurate, you have the right to dispute it free of charge. Go directly through the reporting agency you pulled your report from to file your dispute.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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‘Reliable’ Repair Man Proves Unreliable

1/12/2012

Posted on 1/12/2012 by

‘Reliable’ repair man proves unreliable

Reliable Appliance Repair Crew, Lorenzo Banks leave customers frustrated with wrong company

AUSTIN, Texas - Jan. 12, 2012 — Dyan Blomberg was juggling the time and expense of a new baby when her washing machine stopped working. It was a quality machine, and she was not prepared to simply throw it out and buy a new one. She also could not wait weeks for a repair.

She saw an ad on Craigslist for Reliable Appliance Repair Crew, and did some quick research online.

“The website looked really comprehensive and like they knew what they were doing,” she said. She even scanned several reviews for the company, which seemed positive.

“Unfortunately, I didn’t notice those negative reviews until I tried to post my own,” she said.

Reliable Appliance Repair Crew owner Lorenzo Banks came to her house for a service call and told her the washing machine’s motor was burned out. Blomberg paid $45 for the initial service call — $10 more than she had been quoted on the phone — and Banks said he would be out the next day to fix it. He did not keep that promise, and over the next few days, Blomberg tried multiple times to contact him.

“As soon as the person on the line found out it was me calling, he or she would hang up or pretend the call would disconnect,” she said. “We actually went and just bought a new washer.”

Tonya Preece said she had a similar experience after Banks repaired her refrigerator. After Banks charged her $280 to replace a part, the refrigerator still leaked water. When she tried to contact Banks to come out again, he ignored and hung up on her.

“When I first called him to tell him the problem was happening again, he said he could be there the next day,” she said. “When he didn’t show up for maybe two or three days after that, he didn’t answer (my calls).”

Preece and Blomberg turned to Better Business Bureau for assistance, and the matter got even more complicated.

They and many other consumers filed their complaints against Reliable Appliance Repair — the name registered by Don Carpenter with the Travis County Clerk’s office — not Reliable Appliance Repair Crew. Most alleged poor work and difficulty contacting Banks for further repairs.

Banks had registered the name Shocker Appliance with the Travis County Clerk. BBB records show Shocker Appliance had 12 complaints filed against it; 10 of those were not answered.

According to consumer complaints, Banks started doing business as Reliable Appliance Repair Crew last year without properly registering the new name. The website lists no address or ownership information. As a result, Reliable Appliance Repair started receiving complaints intended for Banks.

Carpenter suddenly saw his company’s name slammed by people all over the Internet. He said he had never heard of Banks or his company.

“It’s just me, I have no employees,” he said. “(Banks is) going into people’s homes, (he’s) taking their money and (he’s) walking away. I don’t do that.”

At first, Carpenter thought the mail from BBB was just a mistake, until BBB reached him by phone to discuss the complaints.

“I’ve been so upset, I’ve had to not think about it because I just don’t know what to do,” he said. “This has been something that I have lost sleep over.”

He tried to send Banks a letter asking him to stop using the Reliable Appliance Repair name and clarified the ownership and contact information for his company with BBB.

Neither BBB nor Carpenter have received an answer from Banks since, and Banks is still running the Reliable Appliance Repair Crew website. BBB files currently show a total of 21 complaints against Banks’ company. Renewed attempts to forward the unanswered complaints to Banks got no reply.

As for Banks’ unhappy customers, Blomberg said the experience has taught her to better research a company before doing business.

“He’s done this to at least 30 other people, … since I left my review,” she said, referring to a website that allows people to post reviews of companies. “I should have done my homework in the first place and looked on the Better Business Bureau website.”

BBB recommends consumers consider the following tips when preparing to hire an appliance repair company:

· Research trustworthy businesses. BBB’s Member Pages currently list more than 70 BBB Accredited small and major appliance service and repair businesses. Consumers can narrow their search to find businesses close to their home and contact them for online estimates using BBB’s free Request a Quote service.

· Watch for upfront fees. While a repair service may require a down payment or upfront service call fees, avoid paying for the entire job up front. Pay with a credit card whenever possible and make sure to get a receipt.

· Pay the company, not the individual. Servicemen who ask that checks be written payable to their own name — and not the company’s name — may disappear with your money.

· Get details in writing. Ask for a detailed contract explaining the work to be done, parts ordered and replaced, the cost of all repairs and any warranties or guarantees associated with the job.

· Confirm the guarantee. Verify the terms of a work guarantee, such as what is covered, what the procedure is for submitting guarantee claims and the timeframe that the guarantee lasts.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Resolvemos tomar decisiones más acertadas en 2012

1/11/2012

Posted on 1/11/2012 by

Resolvemos tomar decisiones más acertadas en 2012

Diez consejos para ser un mejor consumidor en el nuevo año

AUSTIN, Texas - 11 de Enero, 2012 - El inicio de un nuevo año es un buen tiempo para resolver ser un consumidor más inteligente y seguro. Better Business Bureau tiene 10 resoluciones para el año 2012 que pueden ayudar a luchar contra los estafadores, evitar el robo de identidad y ahorre dinero:

1. Investigue a través del BBB cuando se piensa en utilizar cualquier empresa. Cerca de 9,5 mil empresas locales cumplen con los estándares de BBB y están calificados para utilizar el "BBB Accredited Business" sello. Consulte con su BBB para encontrar comentarios de negocio de más de 100.000 empresas locales.

2. Obtenga todo por escrito. No acepte sólo la palabra de la empresa. Todas las promesas hechas durante una discusión se debe traducir por escrito para evitar problemas de comunicación.

3. Los detalles están siempre en la letra pequeña. Tome tiempo para leer todos los contratos, trámites y documentos antes de firmar para asegurar y saber qué se espera de usted y la compañía que usted está utilizando.

4. Sea escéptico con los "ofertas de empleo" que prometen dinero fácil. Con una tasa de desempleo nacional tan alta, los estafadores se están centrando en la gente desesperada por encontrar un trabajo. Tenga cuidado con cualquier oferta de empleo, el trabajo en casa o plan de nuevas oportunidades de negocio que promete grandes sumas de dinero por poco trabajo y sin experiencia.

5. Proteja su computadora. Si todavía no lo ha hecho, instale un software antivirus en su computadora y con frecuencia para buscar actualizaciones. No abra archivos adjuntos o hacer clic en los vínculos desconocidos.

6. No enviar dinero a personas que no conoces. Todo el dinero enviado a través de MoneyGram o Western Union es difícil de encontrar, y cuando el dinero ha sido transferido, es casi imposible para recuperarlo.

7. Lucha contra el robo de identidad. Destruya los documentos de papel que incluyen datos financieros confidenciales. Computadoras sin usar, teléfonos celulares y los datos digitales pueden ser destruidos por empresas autorizadas. BBB ofrece consejos sobre shreding. BBB también organiza un "Día de Shred" para ayudar a evitar el robo de identidad con su familia.

8. BBB le puede ayudar. Presente una queja a su BBB si usted tiene un desacuerdo con un negocio o siente que ha sido víctima de un estafador.

9. Cuidado da las donaciones. Los filántropos donan a organizaciones benéficas durante todo el año. Si va a donar su tiempo, los objetos de valor o talento. Investigue para asegurarse de que su dinero se va al lugar correcto. La mayoría de organizaciones benéficas le permiten designar.

10. Lucha contra el fraude con cheques falsos. Gracias a la tecnología, los estafadores tienen la capacidad de crear cheques falsos que tengan un aspecto profesional. Infórmese sobre los tipos más comunes de fraude con cheque y ser muy cautelosos de los controles que vienen con las reclamaciones que usted ha tocado la lotería, son elegibles para una beca del gobierno o han conseguido un trabajo de comprador secreto.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Resolve to be a Smarter Consumer in 2012

1/11/2012

Posted on 1/11/2012 by

Resolve to be a smarter consumer in 2012

Ten tips for being a better consumer in the new year

AUSTIN, Texas - Jan. 11, 2012 – The start of a new year is a great time to resolve to be a smarter, safer consumer. Better Business Bureau has 10 resolutions for 2012 that can help you fight scammers, prevent identity theft and save money:

1. Always check out a business with BBB. Nearly 9,500 local businesses meet BBB standards and are qualified to use the BBB Accredited Business seal. Check with your BBB to find Business Reviews for more than 100,000 local businesses.

2. Get everything in writing. Do not just take a company’s word for it. Get every verbal agreement in writing to limit miscommunication and misunderstandings later.

3. Always read the fine print. The details are always in the fine print. Take time to read through all contracts, paperwork and documents in their entirety before signing anything. This will ensure that you know what is expected and fully agree to what you’re signing.

4. Be skeptical of “job offers” that promise easy money. With a high national unemployment rate, scammers are targeting people desperate to find a job. Beware of any job offer, work-at-home scheme or business opportunity that promises big money for little work and no experience.

5. Keep your computer safe. If you have not already done so, install anti-virus software on your computer and check regularly for software and operating system updates. Do not open attachments or click on links coming from unknown senders.

6. Never wire money to someone you do not know. Tracking money sent via MoneyGram or Western Union is extremely difficult, and once the money has been wired, it is nearly impossible to get it back.

7. Fight identity theft. Shred paper documents that include sensitive financial data and dispose of computers, cell phones and digital data safely. BBB offers tips and checklists on what to shred, and hosts a bi-annual Shred Day event to help you stay safe.

8. Ask your BBB for help. File a complaint with your BBB if you have a disagreement with a business or feel you have been victimized by a scammer.

9. Give wisely. Philanthropists donate to charities all year long. Whether donating your time, treasure or talent, ask questions and do your research to ensure your money is going where you think it is going.

10. Fight fake check fraud. Thanks to technology, scammers have the ability to create professional-looking phony checks. Educate yourself on the common types of check fraud and be extremely 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.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Names Most Prevalent Scams of 2011

1/9/2012

Posted on 1/9/2012 by

BBB names most prevalent scams of 2011

AUSTIN, Texas - Jan. 9, 2012 – Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to new twists on old schemes. Some scams quickly fizzle out, while others plague consumers year-round. In alphabetical order, here are 10 of the most prevalent scams of 2011:

Check Cashing Scam
Selling items online turned into several scams in 2011. After posting an ad, you are contacted by someone inquiring about your item. They send you a check for more than the amount they owe you, and then ask you to deposit it into your bank account and then send them the difference via Western Union. The money you wired is gone instantly and the deposited check bounces after a couple of days, leaving you scammed out of the money you wired.

Door-to-Door Magazine Scam
Companies that sell magazines primarily door-to-door are always near the top of BBB complaint data. Last year, many consumers complained they never received a single magazine after purchasing a discounted subscription promised by a sales person. When consumers called to request a refund, many companies did not answer.

Facebook Viral Videos Scam
With so much information shared online, it is easy for scammers to pretend to know potential victims. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity scandals were popular scams perpetrated by hackers, often times appearing to come from a “friend.” Once the link was clicked, malicious software was downloaded to your computer, which then hacked into your social media account and would send similar messages to your friends. So, the next time you see a sensational headline for the latest viral video, resist the urge to peek or go to an authorized news source.

Hotel Identity Theft Scam
Consumers complained they received a call in their hotel room in the middle of the night from the “front desk clerk” asking for his or her credit card number because his or her computer had crashed. Scammers counted on sleepy consumers not catching on that the call was not from the hotel at all, but from someone outside who knew the direct-dial numbers for the guest rooms. By the time morning rolled around, consumers found their credit card had been on a shopping spree. This scam was so prevalent that many hotels are now posting warnings in their lobby.

Mark Zuckerberg Sweepstakes Scam
Sweepstakes and lottery scams come in many forms, but the bottom line is almost always this: You’ve won a large sum of money, and in order to claim it you have to send in a smaller amount of money. This year’s top sweepstakes scam was an email claiming to be from Facebook founder Mark Zuckerberg announcing the recipient won $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 are not sure, don’t click on the link, but instead go directly to the homepage of the company mentioned.

Mortgage Relief Scam
Because the federal government announced several mortgage relief programs this year, many sound-alike websites popped up attempting to fool consumers into parting with their money to save their home. Some sounded like a government agency, or even part of a consumer organization. Most asked for an upfront fee and almost all left you in more debt than when you started.

National Automated Clearing House Association Scam
Phishing usually occurs when you receive an email that baits you into giving personal information or downloads a virus to your computer if you click an embedded link. A particularly malicious phishing scam last year disguised itself as official communication from the National Automated Clearing House Association, which facilitates the secure transfer of billions of electronic transactions every year. The email claimed one of your transactions did not go through in the hopes you would react quickly and click on the link before thinking it through.

Online Job Scam
The worst job-related scam of 2011 involved the online job application process. Job hunters received emails, visited websites and filled out online applications that all looked very professional. Candidates were even interviewed (usually over the phone). Once offered the job, the candidate was asked to fill out a “credit report” or provide bank information to set up direct deposit. The online forms provided were nothing more than a way to capture sensitive personal data – Social Security number, bank account information, etc. – that could easily be used for identity theft. And, of course, there was no job.

Red Light Scam
Many consumers were caught off guard when scammers impersonating Texas Department of Public Safety officials called demanding immediate payment on a red-light safety camera ticket. The caller threatened to issue an arrest warrant unless the victim settled his or her outstanding debt. While DPS does encourage all violators to responsibly handle their citations, it does not collect traffic fines or oversee red-light cameras.

Trade Show Scam
Consumers are not the only ones victimized by scams. Last year, several businesses were conned by organizers of trade shows or festivals that did not exist. The businesses paid up front for booth space with the promise of reaching thousands of potential customers, only to have the event be moved to an undetermined future date or canceled completely. Usually the contract contained a firm no refund policy.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Some Customers Looking to Lose Weight End Up Losing Only Money

1/5/2012

Posted on 1/5/2012 by

Some customers looking to lose weight end up losing only money

BBB warns consumers to be cautious when embarking on a new weight loss routine

AUSTIN, Texas - Jan. 5, 2012 — Gumdrops, lollypops and candy canes shot their final volley in the 2011 battle of the bulge this holiday season, and now the weight loss gimmicks, fads and remedies are crawling out of their trenches and preparing their assault. Better Business Bureau cautions consumers to research weight loss products and companies carefully and understand contracts completely — including terms of cancellation — before giving any personal information or making any purchases.

In 2011, BBB received more than 920 complaints nationwide against weight control services, more than 600 complaints against gyms and more than 3,150 complaints against health and diet food stores. Consumers have complained about deceptive advertising, ineffective products and confusing or misleading contracts.

In addition, the Federal Trade Commission and the Texas Attorney General have taken action against companies making unsubstantiated medical claims and using deceptive advertising tactics.

“It didn’t do that much for me, to be honest with you,” San Antonio resident Patrice Owens said about a product she purchased online. “I just wanted my money back and I didn’t want to deal with them anymore.”

Owens was looking to find an appetite suppressor to help her lose weight when she came across a free trial offer. That “free” trial came with an agreement that allowed the company to charge her $90 per month to send additional product. She said she later found that disclosure on the website, but it was not prominent and took some digging. When she called the company to cancel, she was refused a full refund.

“They agreed to give me back $30 of my $90,” she said. “I looked on the website for an address to write them a letter. (There was) no address or anything on their website, so I had to go through the Better Business Bureau to find out where they were.”

BBB received hundreds of complaints last year about “free trial” offers coming with undisclosed or difficult to understand caveats. Most consumers say the company signed them up for a monthly service without clear notification, or made it difficult to cancel and obtain a refund when the consumer was unhappy with the product.

In addition to enrolling her in a monthly program without her consent, Austin resident Susan Kwasniak said one company sent her additional products she had not requested and failed to include any instructions on how to use its appetite suppressor.

“When I looked it up on websites, I found a lot of people selling this and they have guides online,” she said. “It’s actually a 500-a-day calorie diet. They never told me that on the phone, and I got that on a competitor’s website, not from them.”

The product — a homeopathic version of the prescription hormone chorionic gonadatropin, also called hCG — is supposed to promote weight loss by suppressing appetite. However, it was never approved by the Food and Drug Administration for that purpose.

According to a press release issued by the Texas Attorney General in October 2011, “physicians and weight-loss clinics may not advertise hCG for weight loss in part because the FDA has stated there is no substantial evidence indicating that hCG leads to weight loss, beyond that which stems from severe dieting.”

In October 2011, the AG reached a settlement with several weight loss clinics throughout the state, which all agreed to stop advertising hCG for weight loss.

The hormone is the most recent in a long line of natural, homeopathic or herbal drugs that have been discredited after making weight loss claims. The FDA released a warning in October about some over-the-counter diet pills containing undisclosed, potentially harmful ingredients.

“Hidden ingredients are increasingly becoming a problem in products promoted for weight loss,” the release said.

BBB reminds consumers that the FDA does not test herbal or homeopathic remedies for safety and efficacy the way it does with prescription and other medications. Consumers should be skeptical of any claims made by purveyors of homeopathic and herbal weight loss supplements and research any product carefully before trying it.

Consumers should also be extremely cautious when purchasing any drugs or supplements online. Medications purchased from outside the United States may not be safe and companies that do not disclose location or contact information may be scams.

Kwasniak said she and her fiancé could not stick to the highly restrictive diet recommended to accompany the hCG drops she had purchased and Owens said she was so frustrated with the company that she never gave the drops she purchased much of a chance to begin with. Thankfully, neither said she had adverse reactions or side effects while using the product.

However, both said they are now on less restrictive programs that promote overall healthy lifestyle changes and have given up on quick fixes.

“You’re not even getting enough nutrition in a 500-calorie-a-day diet,” Kwasniak said. “I think those (more comprehensive programs), although not necessarily quick, provide you with the support that you really need to lose weight, because you have someone who walks you through it.”

For consumers looking to shed pound this year, BBB offers the following advice:

· Consult your physician. Before starting any weight loss regimen, visit your family doctor to discuss your overall health and safe and effective weight loss programs.

· Read contracts carefully. When signing up for any kind of recurring membership, such as at a gym or weight control program, be sure to understand all the terms and conditions before signing. Make sure you know how to cancel and whether or not your membership is automatically renewed at the end of the contract.

· Be wary of free trials. Know when the free trial begins and ends and whether or not you have to call to cancel in order to avoid future charges. Be clear on how much you will be charged if you do not cancel and whether or not you have to return any unused product.

· Avoid unproven products. Fad diets and new products come around every year that promise amazing results. Many such claims are not supported by evidence and some products have dangerous side effects.

· If it sounds too good to be true, it probably is. Be wary of claims that a product can shed pounds without dieting or exercise or programs that promise unusually good results.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Resolve to Get the Most Out of Your BBB Accreditation in 2012!

1/2/2012

Posted on 1/2/2012 by

Maximize the Advantages of Your Accreditation to Attract New Customers

BBB Accreditation is an honor, and for 100 years, BBB has set and upheld high standards for fair and honest business behavior. Not every company is eligible for BBB Accreditation. You have earned it. Show your current and potential customers you are trustworthy by taking full advantage of your BBB Accreditation.

Leverage the exclusive advantages of your BBB Accreditation to drive customers to your business:

Members Only Site
Track your BBB Business Review activity, view your Member Page listing, upload photos and videos, update contact information and much more through your personalized BBB Members Only Site.

BBB Seal for Print and Broadcast Use
Distinguish yourself as a trustworthy business by including the BBB Seal in all advertising, marketing and media efforts. Display the BBB Seal on your storefront, company vehicles, letterhead, newspaper ads, business cards and TV commercials.

BBB Dynamic Seal for Online Use
Install the BBB Dynamic Seal on your company web and social media sites. This free program allows you the option to choose size and layout of the BBB Accredited Business seal and include your BBB rating with a direct link to your BBB Business Review.

Member Pages
List your company in all categories in which you do business through BBB’s exclusive online directory. Make it easy for your potential customers to find you when they search by industry or name. Increase your exposure by upgrading to a premium featured listing.

Request A Quote
Allow your potential customers to request a quote via email from your company through BBB’s website. Make sure your email address is up-to-date to ensure you do not miss the chance to bid on a job.

Accredited Business Store and Design Center
Order your BBB branded marketing materials through the Accredited Business Store and Design Center. Purchase items like car magnets, patches and bid stickers, or download free graphic design templates for business cards, letterhead and other print-ready materials.

Speakers Bureau
Schedule a professional BBB speaker at no cost as a resource to help your business grow in the areas of customer service, advertising, marketing, sales, branding and more. Presentations can be given as a speech, classroom instruction or in any format that meets your need.

Dispute Resolution
Utilize BBB’s conciliation, mediation and arbitration services with unbiased, certified professionals to help settle disputes with consumers.

For more information on your advantages of BBB Accreditation, please contact BBB Member Services at 512.445.4748 or visit www.centraltx.bbb.org/ advantages-of-accreditation.

BBB Celebrates 100 Years of Advancing Marketplace Trust

1/2/2012

Posted on 1/2/2012 by

2012 Promises to Be an Exciting Year for BBB and Our Accredited Businesses!

“Down through the years the Better Business Bureaus have resolutely stayed the course, showing themselves to be the best friends American consumers have ever had.”
~ Ronald Reagan

This year marks an important milestone in BBB history as we celebrate our 100th anniversary! Since 1912, BBB has served consumers and businesses as an authority on trust in the marketplace. As an Accredited Business, you are part of an elite group that has played an important role in this success through your commitment to high standards of ethical business behavior.

2012 looks to be an exciting year for BBB and our Accredited Businesses as we continue to launch new programs and services aimed at furthering our mission of advancing marketplace trust.

A Look Back at BBB Through the Years:

1912
Printer’s Ink magazine publishes an editorial calling for local advertising associations around the country to launch vigilance committee programs aimed at challenging false and misleading advertising. Minneapolis is the first to respond and establish what would be the first BBB.

1950
Your BBB is founded by the Austin Chamber of Commerce to meet the local need for a business reporting organization.

1989
Your BBB launches a 24-hour phone system for consumers to receive BBB Business Reviews, file complaints and hear a listing of BBB Accredited Businesses in a particular industry. Businesses could apply for BBB Accreditation.

1997
The website, www.centraltx.bbb.org, is launched for consumers to get information on local businesses and search for BBB Accredited Businesses by industry.

1998
Your BBB introduces BBB ADvantage and BBB OnLine programs to Accredited Businesses allowing the use of the BBB Seal on print and online advertising.

2006
BBB’s online directory, Member Pages, is launched along with BBB’s Request A Quote service. Consumers can now choose to browse through only BBB Accredited Business listings by industry and request estimates from those businesses.

2012
Better Business Bureau celebrates 100 years of driving consumers to trustworthy businesses!

Avoid Being “Yo-Yoed” Back to the Dealership After Purchasing a Car

12/28/2011

Posted on 12/28/2011 by

Avoid being “yo-yoed” back to the dealership after purchasing a car

Tips to secure your new car purchase

AUSTIN, Texas – Jan. 2, 2012 – A new car buying practice, dubbed “yo-yoing,” is being scrutinized by car buyers and consumer advocacy groups across the nation.

“Yo-yoing” happens when a consumer drives a new car off the lot, only to find out later that the auto dealer was unable to secure financing. The auto dealer then offers to sell the consumer a different car or raises the interest rate. Sometimes, the dealer simply repossesses the original car and keeps the down payment, claiming it goes towards the mileage the customer placed on the car.

Furthermore, the dealership may refuse to return the vehicle the consumer traded-in at the time of purchase, claiming it has been auctioned off or sold.

“It’s been a huge problem all over the country,” said Rosemary Shahan, president of Consumers for Auto Reliability and Safety, an advocacy group in California. “You can have good credit and still get yo-yoed.”

The Center for Responsible Lending shows that one in eight car buyers making less than $40,000 have experienced a yo-yo deal. For those making less than $25,000, the incident rate rises to one in four.

Follow these tips from your Better Business Bureau to avoid being yo-yoed:

· Start with trust. Research auto dealers at bbb.org to assure you are working with a reliable, trustworthy company. The BBB Business Review will provide background information and complaint statistics.

· Consider financing through a bank or credit union. You don’t have to get your loan through the car dealership. Go directly to a bank or credit union and line up financing before you buy the car to avoid having to go through the dealership.

· Don’t leave the dealership until financing is approved. In most cases, it doesn’t take very long for a loan to be approved. Wait until you have been given confirmation that your loan is approved before signing off on any paperwork or leaving with your new car. If you’re shopping for a car during a time banks are closed, come back on a different day to finalize your purchase.

· Understand what you’re signing. Read through all paperwork and make sure you understand and agree with what you’re signing. If anything is unclear or you don’t agree with the terms of the contract, do not sign anything.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Return Fraud Causing Retailers to Tighten Return Policies

12/27/2011

Posted on 12/27/2011 by

Return fraud causing retailers to tighten return policies

Understand a seller’s policies to avoid a stressful return

AUSTIN, Texas - Dec. 27, 2011 – As return fraud continues to be a concern for the retail industry, many retailers are tightening their policies to combat the growing crime. Better Business Bureau recommends consumers fully understand these policies to avoid unnecessary stress.

Return fraud is the act of somehow defrauding a retail establishment via the return process. Three common methods of return fraud are purchasing merchandise for short-term use and then returning the item, returning stolen merchandise, and using reused, stolen or falsified receipts to return merchandise for a profit.

To crack down on this type of crime, many retailers are adopting stricter return policies, such as requiring receipts and making customers show identification when returning items. Some businesses only allow in-store credit for returns.

To put you in the best position for a happy return or exchange, BBB offers this advice:

· Know and understand the seller’s return policy. Most return policies will be listed on a company’s website or on the back of the receipt. Make sure to fully understand what’s required for a return or exchange, and if you have questions, call the store directly and ask about your specific situation.

· Keep original packaging. Some stores may require products be returned in original purchase condition, unused or un-opened.

· Bring identification and credit cards. Some retailers will ask for identification when making a return, as well as the credit card used to purchase the item.

· Don’t expect cash back. If you don’t have the original receipt for the item you’re returning, chances are you will only receive store credit or be allowed to exchange the item. Even with a gift receipt, many stores will only offer store credit.

· Read the warranty first. If a gift you received is damaged or defective, read the warranty. In some cases, warranties exempt retail stores from product liability and require consumers to mail the product directly to the manufacturer in order to receive monetary refunds, credit or product replacement.

· Don’t delay. In almost every case, a store will require an item be returned within a specific time frame. If you wait too long, you may miss your chance at returning the item.

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Road Safety Tips for Holiday Road Trips

12/19/2011

Posted on 12/19/2011 by

Road safety tips for holiday road trips

Plan ahead for safe holiday travels

AUSTIN, Texas - Dec. 19, 2011 — With less than a week until Christmas, many families are finalizing their holiday plans. Whether you’re taking a trip to a family member’s house or a friend’s house, Better Business Bureau recommends putting some extra thought into your travel plans.

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather on the road. AAA projects 91.9 million Americans will travel during year-end holidays. December is already bringing low temperatures and rain to Texas, which creates potentially hazardous situations for drivers who are not prepared.

Staying safe should be a top priority for all travelers so BBB recommends taking a few precautions before hitting the road:

· Plan your route. Take time to plan out the route you will take. Research areas you will be driving through and familiarize yourself with the landscape and weather conditions expected during that time.

· Take your car in for routine maintenance. Take your car in to make sure it is safe to drive for long stretches. At the very least, check the car’s fluid levels, wipers and tire pressure. If you plan to drive through serious winter weather, consider getting snow tires or chains.

· Make hotel reservations ahead of time. If planning for a long road trip, plot out your stops and make hotel reservations where needed. Having a guaranteed reservation will help to save time.

· Avoid flying objects. Pack your car efficiently to avoid luggage becoming projectiles during a sudden stop. Store heavy items such as suitcases and strollers low in the seat. Anything else being stowed in an open cargo area should be strapped down.

· Don't advertise your travels. Avoid leaving road maps in plain sight inside your parked car. Park your vehicle where you can see it from a restaurant or store. At night, take everything that is in plain view with you into your hotel room.

· Create an emergency contact list. Write down important numbers you might need during your trip or should anything go wrong, including family members, friends, towing companies and hotels.

· Create a vehicle 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, a flashlight with extra batteries, a radio, a first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Penny Auctions Can Cost Consumers Hundreds

12/13/2011

Posted on 12/13/2011 by

Penny auctions can cost consumers hundreds

BBB advises consumers to understand penny auction sites

AUSTIN, Texas - Dec. 13, 2011 — With the promise of high-end items at a 95 percent reduction in price, many consumers have been lured to penny auction sites and ended up losing hundreds of dollars, Better Business Bureau reports. BBB has received more than 500 complaints about penny auctions this year.

Statewide, complaints on several different sites have skyrocketed, ranging from deceptive marketing practices to delivery problems.

“Penny auctions may look like a good deal, but many consumers don’t factor in the cost of bids,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “As a result, they sometimes end up paying more than the item is worth.”

Penny auction sites charge consumers a set price for each bid, usually around 50 cents to $1. The auction’s expiration time increases by 10-20 seconds every time someone places a bid.

Proponents say the setup allows companies to make a profit while offering huge discounts to their customers. However, others argue the pay-per-bid model equates to illegal gambling. Several penny auction sites have been sued on those grounds.

“The winner of the auction is not the highest bid, but rather, the last bid when time runs out,” a lawsuit filed in February reads. “Every time contestants bid they are playing a game of chance hoping that time will run out before another player bids.”

BBB cautions consumers to be sure they understand how such sites operate before signing up.

For those who decide the reward is worth the risk, BBB offers the following tips:

· Know what the item is worth. Consumers have complained that while they thought they were getting a good deal at the time, they later found out they could have purchased the item they won for much cheaper somewhere else. Do your research and know what other retailers are charging for the same item.

· Watch out for ‘bots.’ Pranksters, greedy bidders or disreputable companies may create a program that does nothing but bid up the price for certain items, causing you to lose money bidding against it. If bids are coming in too fast from a single bidder, you may be bidding against a computer.

· Set a limit and stick to it. Know how much you can spend and keep your total costs below that number — including the item price and the money you are spending on bids. Be prepared to walk away from the bids you already made if the price gets too high.

· Read the terms and conditions. Know the company’s refund and delivery policies and who to contact if your product arrives broken or defective or if it does not arrive at all.

· Know what you are buying. Do not provide your credit card number, bank or other personal information unless you are prepared to make a purchase. Some sites offer free registration, but require customers to buy bids before they are allowed to view the auctions; others charge a membership fee.

· Start small. Competition on smaller, less expensive items is usually much lighter than for flat screen TVs or other high-end items. This means fewer bids and lower prices.

· Review the company. Visit bbb.org to view the company’s BBB Business Review, including complaint history, BBB rating and more.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Prison Call Solutions Incarcerates Consumers’ Money

12/7/2011

Posted on 12/7/2011 by

Prison Call Solutions incarcerates consumers’ money

Company promises cheaper calls to prisoners, dodges unhappy customers

AUSTIN, Texas - Dec. 7, 2011 — Susan Blake-Caldwell realized her error almost immediately. She was trying to set up a service to contact a loved one who was incarcerated, and thought she had found the company the prison had recommended.

Instead, the Canyon, Texas, resident set up an account with Prison Call Solutions, an Austin company that has racked up 23 complaints with Better Business Bureau since August.

Prison Call Solutions promises on its website to lower consumers’ costs on calls from prisons by 80 percent. The service works by setting up a relay system that allows incarcerated persons to call their loved ones using a local telephone number, supposedly saving on long-distance charges.

Consumers told BBB they paid Prison Call Solutions upfront fees to activate a service they were never able to use, either because it did not work or the prison facility would not contract with the company. When the consumers tried to get a refund, they were transferred to various departments or disconnected.

BBB has not received an answer from the company about any of the complaints filed by consumers nationwide or concerns about the company’s advertising, including the discount claims and a satisfaction guarantee.

Blake-Caldwell said she tried to get a refund within 15 minutes of signing up with Prison Call Solutions, once she realized she had contacted the wrong company.

“It was over $96,” she said. “But what bothered me is that the company seemed to be nothing more than a store front to rip people off. I would be surprised if anyone actually got service from them.”

Initially, representatives promised Blake-Caldwell a full refund, but she never received confirmation from the company. When she called back, she was told the supervisor was out of the office and would not be back for days.

After that, she said, representatives stopped answering the phone. She made a series of phone calls to different departments. With each call, representatives transferred her multiple times and eventually the call dropped.

“They begin hanging up on me,” she said.

Cindy VanderPeyl said she also came across Prison Call Solutions in a case of mistaken identity.

Her daughter had a friend she was trying to contact in prison and was dealing with a company named PCS to provide service. When she needed to add minutes to her service, VanderPeyl found Prison Call Solutions online and thought it was the same company.

After activating service, she found out the facility where her daughter’s friend was incarcerated did not accept calls from Prison Call Solutions.

“They are advertising a product, and basically, it’s unusable,” VanderPeyl said. “I did try calling Prison Call Solutions several times. I paid for service and I received a number that is unusable.”

Prison Call Solutions advertises a satisfaction guarantee on its website, but does not provide details for how the company will compensate a dissatisfied customer.

VanderPeyl said, like Blake-Caldwell, when she called requesting a refund, representatives transferred the call and then hung up on her. She eventually gave up.

Blake-Caldwell, however, persisted with her attempts to contact the company. When she was finally able to connect, she said she felt intimidated by the man on the other end of the line.

“It was like he was threatening me. ‘I know where (your loved one) is, and if you don’t leave us alone, we’re going to retaliate,’” she said. “He had that mean sound in his voice.”

She reported the company to the Austin Police Department. A detective tried contacting the company and had the same issues Blake-Caldwell encountered.

“He said he went by (the company’s advertised address) … but apparently there’s nobody there,” she said.

BBB investigators found that Prison Call Solutions’ website contains an address that is actually a mailbox rented from another company.

In addition, the company did not register with the Texas Secretary of State until Aug. 23. BBB received its first complaint against the company Aug. 4.

VanderPeyl and Blake-Caldwell each said they would advise others to stay far away from Prison Call Solutions.

“I think it’s totally bogus,” VanderPeyl said.

For those who need a service to contact a loved one in prison, BBB offers the following tips:

· Contact the facility first. Different facilities will contract with different communications services. Call to ensure the company you are considering will work with the facility in question.

· Read the fine print. Before you pay for anything, check the company’s refund policy and ask what to do if the service does not work.

· Get it in writing. Make sure any guarantees or discounts and their limitations are spelled out in a written contract. Do not accept a verbal promise from a sales representative.

· Start with trust. View the company’s BBB Business Review for background information and complaint statistics.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Charitable Giving: Is Your Money Going Where You Think It’s Going?

12/6/2011

Posted on 12/6/2011 by

Charitable giving: Is your money going where you think it’s going?

Ask questions and do your research before giving to a charity

AUSTIN, Texas - Dec. 6, 2011 – Though philanthropists donate to charities all year long, the holiday season remains the busiest time for charitable donations. Whether donating your time, treasure or talent, Better Business Bureau reminds consumers to give wisely.

BBB Wise Giving Alliance Standards for Charity Accountability were developed to assist donors in making sound giving decisions and to foster public confidence in charitable organizations. The standards seek to encourage fair and honest solicitation practices, to promote ethical conduct by charitable organizations and to advance support of philanthropy.

Before giving your time or treasure this holiday season, BBB recommends the following:

· Research the organization. Check with your BBB at www.give.org to get reports on how national charities measure up to BBB Standards for Charity Accountability. Confirm the organization is registered with the IRS as a 501(c)(3) and verify the programs and distribution of money is where you want it to be. According to BBB’s Standards for Charity Accountability:

- At least 65 percent of total expenses should be spent on program activities

- No more than 35 percent of related contributions can be spent on fundraising

- For local charities, ask for an annual report or a 990 IRS form to see a breakdown of where the money is allocated.

· Be wary of imitations. Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization.

· Avoid giving personal information over the phone. Since nonprofits are not required to use the “Do Not Call” list, you could receive a phone call asking for a donation. Avoid giving your personal information over the phone and go “off the call” to confirm the legitimacy of the organization before deciding to donate.

Avoid giving to charities that:

· Use high pressure solicitations: A legitimate charity will be glad to give you the time needed to fully research its program.

· Offer prizes: Most honest charities do not try to entice you to give by telling you that you have won a prize.

· Steer you away from mailing a donation. Dishonest individuals try and avoid doing anything through the U.S. mail to avoid federal prosecution under postal statutes.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Eight Ways to Use BBB Standards of Trust to Build Your Business

12/5/2011

Posted on 12/5/2011 by

Communicate Your Commitment to Honesty and Transparency to Your Customers

BBB Standards of Trust represent sound advertising, selling and customer service practices that will help you enhance customer trust and confidence in your business. Your BBB Business Review is a valuable tool potential customers can use to verify the trustworthiness of your business. However, it may not be the first impression they receive.

By following BBB’s eight Standards of Trust, you can communicate to your customers your commitment to honesty and transparency and help build your business.

1. Build Trust
Establish and maintain a positive track record in the marketplace. Make sure you fulfill all licensing and bonding requirements in all cities, counties and states where you do business. Continue to promote voluntary self-regulation in your industry.

2. Advertise Honesty
Before you create any advertising, be prepared to substantiate any claims, such as sales pricing, guarantees or customer testimonials. Be truthful in all advertising efforts and include the BBB Seal to enhance the trustworthiness of your brand.

3. Tell the Truth
Make sure all terms and conditions of your product and service offerings are clear and conspicuous.

4. Be Transparent
Include all physical addresses, email addresses, phone and fax numbers in your communications, both offline and online. Clearly disclosing all policies, guarantees and procedures help your potential customers make an informed buying decision. Include written confirmations, contracts and receipts for all transactions, no matter how small. Encourage your customers to review and confirm their transactions before sales are complete.

5. Honor Promises
Abide by all written agreements and verbal representations and honor them by correcting mistakes as quickly as possible.

6. Be Responsive
Address marketplace disputes quickly, professionally and in good faith. Promptly responding to questions and concerns will help promote open communication and build a positive image for your business.

7. Safeguard Privacy
If collecting payment, personal history or other sensitive information, it must be transmitted securely. Research the different secure socket layer certificates available to determine which one best fits your online business needs. Honor customer preferences regarding contact by telephone, fax and email.

8. Embody Integrity
Approach all business dealings, marketplace transactions and commitments with integrity. Keep a positive public image and be proud of who you are and what you do.

For a list of BBB Standards of Trust, visit www.bbb.org/us/bbb-accreditation-standards.

As a BBB Accredited Business, your company is authorized to use the BBB Dynamic Seal on your web and social media sites. This symbol of trust can be customized to include your company’s current BBB rating with several layout options. To get the BBB Dynamic Seal, visit www.bbb.org/online/business/dynamicseal.aspx or call 512-445-4748.

BBB Offers End of Year Checklist to Help Start 2012

12/5/2011

Posted on 12/5/2011 by

How to Get a Head Start on Making 2012 a Prosperous Year

December is a time for family, travel, food and fun. However, for businesses it is a great time to evaluate 2011 successes, and determine business needs for the upcoming year.

BBB offers a checklist to help you plan for 2012:

Plan Strategically
In order to plan where you want to be one year from now, evaluate your current business successes. Take the time to update your finances, business plan and yearly budget in order to set realistic goals for 2012.

Redefine Your Branding
Evaluate how you reach your current and future customers and determine methods to enhance your product and service offerings. This may be as simple as developing a new tagline or as in depth as investing in new technology. Determine what items should be implemented and add those to your budget for 2012.

Finalize 2011 Projects
Review your “to do” lists and ask your employees to do the same. Assign deadlines to finish these tasks or reevaluate for the following year.

Prepare for Tax Season
Contact your tax accountant or visit the Internal Revenue Service’s website and order your forms for the upcoming tax season. Start gathering your receipts for a faster tax preparation. Remember any employee that earned more than $600 during 2011, including contract laborers, should receive a tax form.

Complete Employee Reviews
Schedule time with employees to complete year-end reviews, revisit goals and celebrate accomplishments. Identify the training and resources needed to develop your employees both professionally and personally.

Take Inventory
Take a physical inventory of your office equipment and supplies. Make sure you have replacement insurance coverage for all company assets.

Thank Your Customers
Year-end is the perfect time to send an email or holiday card thanking your customers for their business. Include a short survey to help elicit feedback on how you can improve your products and services in 2012.

For more advice on developing effective business strategies, visit www.bbb.org/us/Business-Resources.

Local Carpet Cleaner Does a Messy Job, Leaves Consumers Out of Luck

11/29/2011

Posted on 11/29/2011 by
Local carpet cleaner does a messy job, leaves consumers out of luck

Master’s Carpet Care’s spotted record shows why consumers should research beforehand

AUSTIN, Texas - Nov. 30, 2011 — After almost a year, the frayed edges of carpet in Merrie Tomlinson’s house no longer fray her nerves. They do, however, serve as a reminder to research who she’s dealing with when looking for services, courtesy of Master’s Carpet Care.

“I learned my lesson,” she said. “I just wouldn’t recommend them to anybody, and that’s where I left it.”

Tomlinson hired the Austin company to stretch her carpet, and she said workers did not measure correctly and cut the edges too short. Then, she said, the man who performed the work asked for much more than the price the company had quoted over the phone.

Better Business Bureau recommends consumers avoid Master’s Carpet Care. The company earned an F-rating with BBB for failing to respond to consumer complaints, provide accurate contact information or cooperate with BBB on advertising issues.

Master’s Carpet Care displays the BBB logo on its website and advertising despite not having authorization to use the BBB trademark. The company is not accredited.

Most of the six consumer complaints allege the company did subpar work and was difficult to contact about their dissatisfaction.

Tomlinson said she should have given up on the company after representatives missed two appointments. She said each time, she and her husband, both in their 70s, moved much of the furniture in the house to allow for the work to be performed. Both times, the company made excuses and scheduled another appointment.

She said she was willing to continue working with Master’s because the company had quoted a good price and she had seen the BBB logo on its Yellow Pages advertisement.

When workers finally showed up, it was hours after the scheduled time, and the charge was much higher than she was quoted. After failed attempts to resolve her dispute with the company, she filed a complaint with BBB.

The company responded to Tomlinson’s complaint by denying she had ever been a customer. The response called her a “liar and a thief,” which was the most it offered to any of the customers who complained to BBB. Hers was the only complaint Master’s responded to.

Jeanne Glorioso, another dissatisfied customer, said Master’s employees generally treated her well, but consistently lied to her. She was trying to get a $40 refund because the company overcharged her for its service.

”They were nice, but they never did anything,” she said.

The company advertises a 100 percent satisfaction guarantee, but never clarified the terms of that guarantee, despite a request from BBB.

She said several times, employees promised her a refund check that she never received. She tried to mail a certified letter to the address on the company’s website, but the letter came back undeliverable.

BBB investigators encountered a similar problem when attempting to contact the company about its pattern of complaints, advertised claims and misuse of the BBB trademark. The address listed on the company’s website is an apartment complex in Austin and needs a unit number, which Master’s does not provide.

After months of trying to contact the company, BBB finally reached a representative by phone in September. The man who answered said the owner on file, Randy Thompson, no longer worked there and that Chris Pruett had purchased the company. He gave a new address and expressed a desire to work with BBB to repair the company’s reputation.

However, mail sent to the new address also came back as undeliverable and calls from BBB for more information went unanswered. BBB never received verification of the new ownership.

Glorioso got a different answer about the company’s ownership around the same time. She said Thompson told her over the phone that his brother David owned the company.

The pattern of complaints and BBB investigators’ experience dealing with Master’s Carpet Care shows a lack of transparency, poor customer service and subpar work.

Glorioso said she will be more diligent next time she hires any company.

“My advice is to check the Better Business Bureau website before you hire anybody,” she said. “Don’t take for granted what (companies) put on their website.”

To help consumers find the right carpet cleaner for their home, BBB offers the following tips:

Get the specifics on service. Find out what the company considers "extras." Moving furniture, pre-treating spots and cleaning heavily soiled areas may cost an extra fee. Ask about a company’s satisfaction guarantee and get the terms of that guarantee in writing.

The lowest price may not always be the best price. Affordability is important, but extremely low prices should also set off warning signals. Once the workers arrive in your home, they may suggest a more expensive treatment for the cleaning. Ask exactly what is included in the price and be sure to get it in writing before the crew begins any work.

Ask about the employees. Find out if the company uses its own employees or sub-contracts the job out to other companies. Ask if the company is bonded and insured. Get the name of a supervisor or company representative to contact if the crew damages the carpet or other items in your home.

Start with trust. Visit www.bbb.org to research the company before agreeing to its services.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Avoid Online Scammers on Cyber Monday

11/28/2011

Posted on 11/28/2011 by

Avoid online scammers on Cyber Monday

Tips for protecting yourself from online scams this holiday season

AUSTIN, Texas - Nov. 28, 2011 – The Monday after Thanksgiving, dubbed Cyber Monday, is growing in popularity as a day to shop online. According to the National Retail Federation, seven in 10 online retailers expect their sales to grow at least 15 percent this holiday season. The NRF's holiday survey also found that the average person plans to do 36 percent of his or her holiday shopping online – up from 33 percent last year.

Shopping online means avoiding the crowds, but it also opens buyers up to attacks from scammers and hackers. In order to fight these online grinches, Better Business Bureau offers these online shopping tips to help fight unscrupulous online retailers and scammers:

· Shop on trustworthy websites. Check a seller's reputation and record for customer satisfaction at bbb.org. Look for the BBB seal and click to confirm the link is valid.

· Beware of “too good to be true” deals. 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. Go with your instincts and don’t be afraid to pass up a "deal."

· Beware of phishing. If you receive an e-mail claiming problems with an order that asks for personal information or financial information, BBB recommends calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

· Confirm the website is secure. Always look in the address box for the "s" in https:// and in the lower-right corner for the "lock" symbol before making an online purchase. If there are any doubts about a site, right-click anywhere on the page and select "properties." to see the real URL and if the site is not encrypted.

· Pay with a credit card. Under federal law, charges made on a credit card can be disputed if the item is never received. Many card issuers also have "zero liability" policies under which the card holder pays nothing if someone steals the credit card number and uses it.

· Review the return policy. A return policy should be clearly listed on the company’s website. Be sure to read all conditions associated with the return policy, specifically how long you have to return an item. If you do not see the return policy listed, contact the company and ask them to provide you the information in writing.

· Verify when to expect shipped item. Pay close attention to the estimated delivery time to ensure you will get your item before Christmas. Federal law requires that orders made online be shipped by the date promised, however, if no delivery time is stated, stores have up to 30 days to get the item to you. And if it takes 30 days to receive the item you’re purchasing on Cyber Monday, you will not receive the item in time for Christmas.

· Keep documentation of your order. After completing the online order process, there should be a final confirmation page or an email confirmation. Print and save any confirmations for future reference.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Scam Alert: Malicious Complaint Email Claims to be from BBB

11/23/2011

Posted on 11/23/2011 by

Scam alert: malicious complaint email claims to be from BBB

AUSTIN, Texas - Nov. 23, 2011 – Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin reports that local businesses and consumers are receiving phony emails regarding an alleged consumer dispute. BBB has determined these emails are fake and contain a dangerous attachment or link that can spread viruses to affected computers. Businesses who receive these emails should delete them immediately.

Reports to BBB indicate the phony complaint emails appear to be from a bbb.org email address. BBB reminds local businesses that any legitimate complaint correspondence will not come from a bbb.org email address. Additionally, the subject line will say “BBB Complaint Case#” rather than “Complaint #.” BBB does not send complaints as attachments via email.

If your business receives a suspicious email referencing an alleged complaint, please disregard its message and report the information to BBB’s Scam Portal. If you have clicked on the link, immediately do a virus scan.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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$5 Million in Restitution Available to Customers of Local Coin Dealer

11/22/2011

Posted on 11/22/2011 by

$5 million in restitution available to customers of local coin dealer

U.S. Money Reserve to reform sales practices in compliance with Texas Attorney General

AUSTIN, Texas - Nov. 23, 2011 – Following an investigation conducted by the Texas Attorney General’s Office, Austin-based U.S. Money Reserve Inc., doing business as United States Rare Coin & Bullion Reserve, must provide $5 million in restitution to consumers. The settlement was finalized through an assurance of voluntary compliance signed by the company and the state of Texas last week. Additionally, the company must reform its sales practices to include additional disclosures regarding the coins sold to consumers.

Consumers who purchased qualifying proof or commemorative coins from U.S. Money Reserve between May 1, 2005 and Dec. 31, 2010 may be entitled to a refund. Consumers must contact U.S. Money Reserve at 1-800-867-6101 for information on how to return their coins and receive their money back.

Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin issued a press release warning consumers about the company in March. U.S. Money Reserve currently has an F-rating partly due to advertising issues found by BBB. Click here to view the company’s current BBB Business Review.

Consumer complaints received by BBB mirror the allegations found by the state. Consumers complained they contacted U.S. Money Reserve for government issued coins "at cost" and were sold other, more expensive collectible coins which were represented as being a better investment. Consumers further alleged they found out through independent appraisal that the collectible coins were not worth the price they paid for them.

Generally, consumers contact BBB to request help with returns, exchanges or to resell their coins. BBB files indicate U.S. Money Reserve generally responds to consumer complaints by explaining the return policy on the coins, and in some cases offering full refunds. BBB reminds consumers to fully research any investment opportunity before paying a significant amount of money. Specifically before investing in coins, keep the following tips in mind:

· Research the history of the specific coin you are interested in purchasing. Advertised claims such as “rare” or “in limited supply” may not be indicative of how many coins are available. Shop around to find how frequently the coin appears on the open market and how much it is selling for.

· Consider consulting with a financial adviser. Many banks offer gold bullion investing or have staff that specialize in financial planning.

· Be wary of high pressure sales tactics. Refuse to "act now." Do not buy anything until you have an opportunity to compare prices offered by reputable coin dealers in your area. Steer clear from sales pitches that minimize risk and sales representatives who claim that written risk disclosures are just formalities required by the government, and therefore not necessary.

· Be wary of buying bullion or coins that will not be delivered to you. Companies may recommend your coins be stored at a "secured facility," by the seller or a third party. When you buy coins without taking delivery, you face the risk they do not exist, are not of the quality described or not properly insured.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t be Left in the Dark on Black Friday, be Prepared

11/21/2011

Posted on 11/21/2011 by

Don’t be left in the dark on Black Friday, be prepared

BBB has tips to avoid a stressful Black Friday weekend

AUSTIN, Texas - Nov. 21, 2011 – The weekend following Thanksgiving, commonly known as Black Friday weekend, is one of the biggest shopping weekends of the year. According to a survey conducted by National Retail Federation, 212 million shoppers visited stores and websites over Black Friday weekend last year.

Every year Better Business Bureau receives hundreds of complaints from consumers who allege a variety of issues with retailers on Black Friday. Some of the more common complaints BBB receives involve misleading advertisements, low availability of items or consumers failing to receive items after ordering in-store.

BBB offers consumers the following tips to help save time, stress and money on this busy shopping weekend:

· Start planning now. Many retail stores are already promoting Black Friday deals in ads and on their websites. Take time to print out or clip ads for items you are interested in buying to help outline your shopping day in advance.

· Create a realistic budget. Know whom you are buying gifts for and how much you are willing to spend. As you buy gifts, keep track of the cost and avoid impulse purchases to prevent over-spending.

· Watch out for tricky advertising. Read the fine print on all advertised sales to make sure you are truly saving money, and bring the ad with you. Watch for discrepancies in advertised prices and the prices on the shelf. Verify the real price before checking out.

· Read the fine print on gift cards. These can be found on the back of the card and will let you know the terms and conditions for using the card. There could be limitations to in-store purchases or exclusions on certain items.

· Ask about return policies. While many stores offer a 30-day return policy, it is important to read the terms and conditions associated with each purchase. And remember that the refund policy usually applies to the day you purchase the item not when you give the item as a gift. Be sure to request gift receipts for all gifts.

· Pay with a credit card. Credit cards carry more protections than a debit card if a purchase comes into question. Make sure to keep all receipts for return and/or dispute purposes.

· Think twice about store credit cards. Many retailers will offer discounts for signing up for their credit card, but these can sometimes carry high interest rates or annual fees. If you do not plan on shopping at a particular store very often or think you may forget to pay the balance, the credit card may not be financially beneficial for you.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Your BBB Recognized with Four International MarCom Awards

11/17/2011

Posted on 11/17/2011 by

Your BBB recognized with four international MarCom awards

AUSTIN, Texas – Nov. 17, 2011 – Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin recently earned four international MarCom awards from the Association of Marketing and Communication Professionals. The awards recognize outstanding achievement by professionals in marketing and communication industries.

“We are so excited to share these awards with consumers and our Accredited Businesses,” said Carrie A. Hurt, BBB president and CEO. “They are the result of BBB listening to the needs of the community and responding with targeted communications.”

BBB was distinguished among 6,000 entries from major corporate marketing and PR firms, advertising agencies and Fortune 500 companies with the prestigious Platinum Award for its Trust Talk newsletter. This award is given to the most outstanding entries for excellence in quality, creativity and resourcefulness.

BBB also earned two Gold Awards for its Welcome Brochure and USB card as a result of exceeding the high standards of the industry norm. Additionally, BBB’s consumer blog, WatchYourBuck.com was awarded Honorable Mention for enhancing BBB’s message in an online medium.

Judges for the 2011 MarCom Awards are industry professionals who look for companies and individuals whose talent exceeds a high standard of excellence and whose work serves as a benchmark for the industry. Winners were selected from more than 200 categories in seven forms of media and communication efforts including marketing, publications, marketing/promotion, public service/pro bono, creativity and electronic/interactive.

To see a list of the 2011 MarCom winners, click here.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Rent-to-Own Deals May Only Shine on the Surface

11/16/2011

Posted on 11/16/2011 by

Rent-to-own deals may only shine on the surface

BBB recommends using caution with rent-to-own companies

AUSTIN, Texas - Nov. 16, 2011 — Buying furniture and appliances can be a daunting task for those with little or no credit. Such items are considered necessities and can carry large price tags. Securing financing can also be difficult as many credit providers are hesitant to provide loans since the economic downturn.

As a result, consumers may turn to rent-to-own stores that offer big-ticket items for low weekly or monthly payments with no credit check. However, Better Business Bureau advises consumers read and understand rent-to-own contracts completely before signing.

“In my opinion, it’s more of … a last resort deal for people,” said Adrian Urquidi, a Midland man who had a bad experience after he rented a television. “So the demographic is people who won’t complain or aren’t in a situation to complain.”

Nationwide, BBB processed more than 900 complaints regarding rent-to-own companies from January to October of this year, alleging problems with customer service, collections, quality of the merchandise and more.

Urquidi said he had no trouble getting approved for a lease-to-own agreement with a local store. But when his television started to have problems, he said he had issues with the store’s customer service department.

Urquidi said he did not get his television back until five months after he brought it in for repairs, and the problem still was not fixed. After several more months and intervention from BBB, he finally got a replacement TV he felt was equivalent to the original model.

The whole time, he had to continue making payments. In total, he said he paid between $3,600 and $3,800. He bought a similar television from a competitor for $1,100.

“I paid for two or three TVs in my opinion,” he said.

Big mark ups are common for rent-to-own companies and many advertise payment amounts, not the full payoff amount. Several of the most recognizable companies list products on their websites, television, print and radio commercials, but not prices.

One company with locations around the state has an all-in-one desktop computer for $25 per week. Multiplied over the 18-month term, that computer ends up costing almost $2,000. Bought new at other stores, the average cost for the same computer was between $600 and $900.

Another company offered a similar computer for only $36.99 per week over 91 weeks for a total cost of more than $3,300 for a computer other stores offer for as low as $500.

For many customers, the convenience of low regular payments is worth the inflated price. However, BBB suggests consumers consider how such a purchase will affect their credit.

Rent-to-own companies can put late payments on a consumer’s credit report, and may have aggressive collections policies. Consumers should be sure they can make the regular payments before agreeing to a contract.

BBB also advises consumers to inspect the merchandise closely before making a purchase. Some consumers have complained to BBB about the poor quality of their goods.

Austin resident Zanetria Edwards said when the living room suite she ordered from a local rent-to-own store arrived at her house, the coffee table had a large hole in it.

“They attempted to deliver three times after that. Each time they tried to deliver, it had holes in it,” she said. “We had to constantly wait and be on standby.”

She said in the future, she will take her time and maybe pay a little more for better quality furniture.

“I’d tell anybody, be patient; shop around,” she said.

BBB offers the following advice when shopping for furniture and appliances:

· Shop around. The prices at many rent-to-own establishments can be high even when consumers buy their products outright. Check the prices at other stores before committing.

· Avoid finance charges. When possible, pay in full at the time of purchase or shop around for zero percent interest, same-as-cash offers. If you must pay over time, multiply the number of payments by the payment amount to calculate your total cost, then decide if you think the item is worth that price.

· Consider buying used. Second-hand shops can have quality merchandise for deeply discounted rates. Also check classifieds in print and online for people selling items they no longer use. Some people are even looking for someone to take items off their hands for free. However, remember to take extra precautions when dealing with people you don’t know.

· Use a credit card. Interest rates on credit cards can be lower than you would pay for a rent-to-own deal, and you can dispute the charges if you are unhappy with the product.

· Look into layaway. Many major retailers are offering layaway programs that allow consumers to pay off a purchase in small payments, without the mark-up of rent-to-own stores or the interest that comes with credit. Such programs may be a great option for those with poor credit.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Avoid Being “Smished” by Scammers

11/14/2011

Posted on 11/14/2011 by

Avoid being “smished” by scammers

BBB warns of spam texts being sent to steal consumer’s personal information

AUSTIN, Texas - Nov. 14, 2011 – A new scam has hit the market, targeting cell phone users. “Smishing,” similar to “phishing,” uses text messages to bait consumers into divulging their personal information.

One form of the scam tricks consumers into believing their bank accounts have been frozen. The text message appears to come from the consumer’s bank and directs the victim to call a provided number to unfreeze the account. The number provided connects to the scammers, who ask for the victim’s personal information – account number, PIN and Social Security number.

The scam can take many forms, such as promising a free laptop, mortgage assistance or lottery winnings. Some texts might even offer a free product, such as a security app, to get you to click on a link which then downloads identity stealing software to your phone. Regardless of the tactic used, the overall objective is to steal your personal information.

According to online security firm Trusteer, cell phone users are three times more likely to fall for fake messages than computer users.

BBB offers these tips from AARP on how to protect your personal information from smishing texts:

· Do not reply. Replying to a spam text only verifies that your number is active, meaning more messages can be sent.

· Check with your bank directly. Separate from the text, look up your bank’s phone number and contact your bank directly to confirm the status of your accounts.

· Avoid unknown links. Do not click on any link sent by an unknown party.

· Block suspicious numbers. If you have received texts from an unknown number, contact your phone provider to block the number the texts are originating from.

· Do not store personal information on your phone. Avoid storing credit card and account login information in emails or notes on your phone.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Local Body Shop Wrecks Customer Patience

11/9/2011

Posted on 11/9/2011 by

Local body shop wrecks customer patience

BBB warns consumers about Austin’s Collision Solution

AUSTIN, Texas - Nov. 9, 2011 — The only real solutions offered by Austin’s Collision Solution seem to be empty promises, deception and shoddy work, customers say. Better Business Bureau is cautioning Austin customers about the auto body shop after receiving seven complaints this year regarding its quality of work and customer service. The company answered only one of those complaints.

“I was lied to,” said Austin’s Collision Solution customer Melissa Orren-Cordoba. “The car was sitting in the yard. … It wasn’t being worked on and it had not been painted.”

She was rear-ended in June and chose the shop on the recommendation of a friend. Employees originally told her they would repair the minor damage to her bumper and the back of her car in a week. She did not get her car back until almost a month later, she said, and even then all of the promised work was not completed.

Austin’s Collision Solution owner Eli Zapata constantly promised Orren-Cordoba that the repairs would be finished soon and even promised to repair some corrosion on her roof to make up for the delay. However, every time she would call the shop, she would either get no answer or someone would tell her the car had just been painted and was not ready for pick up.

When she would go by the shop, she could see her car sitting in the yard in the same condition it had been originally. When Austin’s Collision Solution finally completed the repairs, the work was far less than she expected from a professional shop.

“The rear bumper was loose, the car was scratched and there was overspray all over the vehicle,” Orren-Cordoba said.

She brought the car back and Zapata promised to fix the previous work and finish the extra work on the roof. He promised everything would be completed the next day. When she returned to pick up her car, the shop had closed and her car was sitting on the lot untouched.

“That’s when I called BBB,” she said, and told Zapata she had hired an attorney. He finally gave her car back, but without the promised repairs to the roof.

Joyce Brown had a similar experience.

“That was one of the worst experiences ever, and we still haven’t gotten any result,” she said.

Brown visited Austin’s Collision Solution because it was near her home. She had a broken tail light and her rear bumper was dented. Employees at the shop promised her the repairs would be simple and she would have her car back quickly.

However, after she left the shop, she had a difficult time getting updates about her car. When she would call, she said no one would answer or call her back. When she went by the shop, she said employees she had previously spoken to would pretend they did not understand English.

“This was supposed to be a week-(long) job that turned into almost a month and still is not completed,” Brown said.

She finally found her car on the lot, hidden behind a larger vehicle. When she got it back, the bumper was so loosely attached, she was afraid it would fall off. She said her husband bought the necessary parts and fixed it himself rather than deal with Zapata again.

BBB investigators found the company changed addresses five times in the last seven years, and the owners changed business names more than once as well. When contacted about the pattern of complaints, the company did not answer.

BBB recommends that customers be wary of Austin’s Collision Solution. Brown and Orren-Cordoba echoed the sentiment.

“It came to the point where I was literally crying because I didn’t know a company could treat a customer like that,” Brown said. “I’ve been to places where the people actually care; they have some care and understanding. Those guys don’t.”

BBB offers the following tips for those looking for an auto repair shop:

· Get multiple estimates. Research the average cost of repairs and get more than one quote. BBB’s Request a Quote can help you get several estimates at once. Remember, the lowest price is not necessarily the best. Low prices could mean cut corners.

· Start with trust. Check out the company’s BBB Business Review to see its rating, complaint history and more.

· Get everything in writing. Make sure all agreed upon repairs and their prices are included in the contract. Do not rely on verbal agreements and do not sign anything until you are satisfied with the agreement.

· Always follow up. If the company finds more problems than initially thought, it should contact you before making repairs. Make it clear that you want to authorize any charges not agreed upon in the initial contract.

· Ask for warranty information. An auto repair shop should stand by its work and have no issue with providing a warranty in writing. This will cover your repairs for a period of time after the work is completed.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB has Advice for Landing a Holiday Job

11/8/2011

Posted on 11/8/2011 by

BBB has advice for landing a holiday job

Tips for job seekers looking for seasonal employment

AUSTIN, Texas - Nov. 8, 2011 – As retailers start gearing up for the holidays, some job hunters could get an early present this year in the form of a seasonal job. According to National Retail Federation, retail sales are expected to increase 2.8 percent this holiday season. As many retailers will be looking to add to their employee roster, Better Business Bureau recommends applicants apply early, research potential employers and come prepared for the interview.

According to a release put out by Nation Retail Federation, retailers are expected to hire approximately 500,000 seasonal workers this year. Toys R Us announced plans to hire close to 3,000 seasonal employees in Texas as part of a nationwide plan to add 45,000 holiday employees. Other retailers plan to hire up to 30 percent more seasonal staff than last year.

“The hundreds of thousands of jobs created during the holiday season help people support their families by supplementing their household income and providing generous employee discounts,” said National Retail Federation President and CEO Matthew Shay in a release in October.

BBB recommends applying early and taking a few simple steps to increase your chance of landing a seasonal job.

· Do research ahead of time. Figure out what job suits you best and then identify companies you would like to work for. Check with bbb.org to find trustworthy companies that might be hiring seasonal staff. Many companies direct applicants to their website to apply for a job, so make sure to apply there instead of through a third party Internet site.

· Be suspicious of “too good to be true” job offers. Many consumers use online classifieds to search for local job openings. Unfortunately, scammers flock to these sites, posting job scams aimed at stealing money or the identities of job seekers. Never pay for a background check, a job application or for anything else before you are hired.

· Work where you shop. Employers want applicants that know their products well. So, if you shop at certain stores frequently, chances are you know a lot about the company and the merchandise they sell. This will make you an attractive choice because they won’t have to spend as much time and money training you.

· Be available and flexible. Holiday hiring managers are drawn to candidates who will be available and have a flexible schedule. Seasonal employees will likely find themselves working long, sometimes inconvenient hours and even holidays like Thanksgiving and Christmas Eve.

· Put your best foot forward. Job hunters need to dress their best and be prepared for the interview. This includes being familiar with the company's brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skill set – which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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FTC Shuts the Door on Deceptive Mortgage Relief Company

11/4/2011

Posted on 11/4/2011 by

FTC shuts the door on deceptive mortgage relief company

Residential Relief Foundation scams numerous homeowners from 33 states

AUSTIN, Texas - Nov. 4, 2011 – The Federal Trade Commission has resolved an action against Residential Relief Foundation, a company targeting homeowners struggling to keep their homes.

According to consumer complaints filed with Better Business Bureau, Residential Relief Foundation used clever marketing to trick consumers into believing the company was a government agency and part of a program the Obama Administration had put into effect. The company claimed it could help struggling consumers with late fees, interest rates and reduce mortgage payments.

Between March 2010 and September 2011, 156 homeowners from 33 states, including 15 from Texas, filed complaints with BBB against Residential Relief Foundation. The complaints revealed an alarming pattern of false and broken promises, and alleged losses between $250 and $1,595. Single parents, seniors and families from across the country, were left deeper in debt or even homeless.

In a complaint to BBB, one troubled homeowner wrote, "I am now behind on my mortgage payment due to their instructions. I do not know what to do … I will never trust a company like that again ever. It has made an awful situation even worse.”

According to court documents filed by the Federal Trade Commission in the U.S. District Court of Maryland, Residential Relief Foundation must refrain from deceptive practices and assessment of upfront fees. The FTC also accused the company of violating its own privacy policies, disposing of customer documents – including detailed personnel information – in unlocked dumpsters.

The resulting court settlement imposed more than $11 million in judgments and barred the defendants from working in the mortgage relief and debt settlement industries.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Shreds and Recycles 202,000 Pounds of Paper

11/3/2011

Posted on 11/3/2011 by

BBB shreds and recycles 202,000 pounds of paper

More than 5,000 cars visit free BBB Shred Day events

AUSTIN, Texas - Nov. 3, 2011 – Better Business Bureau shred a total of 202,000 pounds of consumers’ confidential documents between the eight Shred Day events held throughout Central Texas last month.

A total of 5,043 cars visited the events held in Austin, San Antonio, Corpus Christi, Killeen and the Permian Basin. In addition, Goodwill collected and recycled 15,176 pounds of electronics and 3,957 pounds of cardboard.

“This was the biggest turnout we’ve had since we started holding Shred Day seven years ago,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “We are proud of the impact these events have on our local communities.”

To illustrate the impact that Shred Day had on local communities, the amount of material shred and recycled is saving the equivalent of:

· 1,717 trees
· 202 barrels of oil
· 707,000 gallons of water
· 414,100 kilowatt hours of electricity

BBB partnered with several local businesses and media outlets, and had a helping hand from numerous volunteers to make these events so successful. To sponsor or volunteer for future events, please contact BBB at 512-445-2911.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Better Business Bureau to Host Open House

11/3/2011

Posted on 11/3/2011 by

Better Business Bureau to host open house

BBB invites local businesses and consumers to open house

MIDLAND, Texas - Nov. 3, 2011 – Better Business Bureau is hosting an open house Nov. 9, featuring guest speaker Robyn Householder, BBB vice president of business development. Participants will have an opportunity to tour the new BBB facility and learn more about the services and community benefits BBB provides.

“Our new downtown location in the heart of Midland gives us more opportunity to interact with and better serve Permian Basin businesses and consumers,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin.

BBB has been active in the Permian Basin since January 1963. There are more than 750 BBB accredited businesses in the Permian Basin, and this year alone, BBB has given out more than 39,000 business reports to consumers on local Permian Basin businesses.

The open house will kick-off with a joint ribbon cutting ceremony at 10 a.m. presented by the Midland Chamber of Commerce, the Midland Hispanic Chamber of Commerce and the Odessa Chamber of Commerce. Charles Terry Construction Co. is sponsoring the event and light refreshments will be provided.

The BBB office is located at 306 W. Wall Street, Suite 1350. For more information, contact the BBB Permian Basin office at 432-563-0213.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Keep Your Holiday Ads on BBB’s ‘Nice’ List this Year

11/1/2011

Posted on 11/1/2011 by

Black Friday and Cyber Monday are just around the corner. During the next few weeks many businesses will advertise seasonal sales and specials to attract holiday shoppers. While most ads are straightforward and provide helpful information to customers, BBB often receives complaints about misleading ads during this time of year. To help prevent this from happening to your business, BBB offers the following tips on how to advertise your holiday sales.

“#1” or “TOP RATED”

Use statements like “Top Rated” or “#1” only if they can be substantiated by facts or are validated by a neutral third party. Claims based on a company’s opinion are subjective and should be avoided.

“FREE”

Only advertise “Free” if you plan to offer an unconditional gift. If your customers have to purchase an item in order to receive the free gift, you must disclose the condition clearly and conspicuously along with the “Free” offer. Do not refer to the condition by placing an asterisk or symbol next to “Free.” Any offer must be temporary; otherwise, it becomes a continuous combination offer, which is not “Free.”

“LOWEST PRICE”

Avoid claims such as “Lowest Prices in Town” and “Our Prices Can’t Be Beat.” Prices for products and services fluctuate regularly, and it can be extremely difficult to claim with certainty that your prices are lower than all your competitors. If you advertise that you will “meet all competitors’ prices,” make sure the terms and conditions are easy to understand. Advertisers should be able to substantiate all claims, so be sure to avoid all unverifiable underselling claims.

“ON SALE” or “SALE”

A “Sale” is defined as a temporary reduction from the usual price of an item. If the sale price is offered for more than 30 days, this becomes a regular price, and the item should not be advertised as “On Sale.” There should also be a clear end date to any sale.

“SAVE UP TO”

Price reduction claims like “Save Up To” should state both the minimum and maximum savings without a misleading emphasis on the maximum savings. Also, the number of items available at the maximum savings should comprise at least 10 percent of the items sold.

“WHOLESALE” or “FACTORY DIRECT”

Do not advertise “Wholesale” prices unless the price your customers pay is the same price you paid when you bought the merchandise for resale. Avoid using the phrase “Factory Direct” unless your merchandise is actually manufactured in factories you control or own.

BBB reminds business owners that, while the primary responsibility for truthful advertising rests with you, BBB staff is here to help if you have questions related to your advertising.

For more information, contact BBB at 512.445.4748 or consult BBB’s Code of Advertising online at centraltx. bbb.org/code.

Your BBB Awarded Highest Honors at International Assembly

11/1/2011

Posted on 11/1/2011 by

Your BBB serving Central, Coastal, Southwest Texas and the Permian Basin recently earned five awards at the 2011 BBB International Assembly of Better Business Bureaus in Seattle. The awards — including overall operations, advertising review and the Marshall A. Mott Award — recognize multiple facets of Better Business Bureau work: communications, operations and business development.

“We are pleased to be recognized once again for the commitment to excellence in all areas of our work,” said Carrie A. Hurt, BBB President and CEO. “We are very proud of our staff and dedicated board for their demonstrated leadership and their continual effort to create value and trust in our community.”

BBBs were invited to submit entries based on special projects and were awarded for achieving outstanding results. With more than 120 BBB’s throughout the United States and Canada, only 15 Outstanding BBB Awards were presented. Your BBB was recognized for the following achievements:

Marshall A. Mott Award

The highest honor for a local Better Business Bureau, the Marshall A. Mott Award, recognizes outstanding overall communications in areas such as internal and external communications, advertising and marketing campaigns. Your BBB won this award in 2009 and is proud to bring it back home to Texas.

Overall Operations

The Overall Operations award highlights the success of a local BBB’s core services, including inquiry handling, complaint mediation and arbitration services, advertising review and dispute resolution. Your BBB excelled in these areas and demonstrated its ongoing commitment to fulfill its mission of advancing marketplace trust in the community.

Outstanding Advertising Review – Single Case

This award is given to a BBB that achieves exemplary results through an advertising challenge. Your BBB took a proactive approach with a San Antonio-based real estate investment company to demand the modification or removal of potentially deceptive statements from its website. After several months of resistance, the company finally agreed to make numerous modifications to its website, therefore eliminating consumer confusion about the company’s products and services.

Business Development

Your BBB was recognized for its excellence in business development along with strengthening our community of trustworthy businesses. Through the increased demand of BBB Accreditation among local businesses this year, our community has continued its efforts to create an ethical marketplace.

If you have questions about any of your BBB’s awards or would like to learn more about BBB, please call 512.445.4748.

Trick or Treat? Spot the Scary Social Media Scams

10/31/2011

Posted on 10/31/2011 by

Trick or Treat? Spot the scary social media scams

Common ploys give scammers personal information or download malware

AUSTIN, Texas - Oct. 31, 2011 – With millions of users worldwide, social networking sites like Facebook and Twitter are unquestionably popular, but Better Business Bureau warns users may be the target of social media scammers.

“Many social media users don’t take the right precautions to protect their identities while online,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “But users need to be aware that scam artists are savvy and use clever methods to trick consumers into clicking on potentially malicious links.”

BBB advises social media users to be on the lookout for these five common social networking scams:

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

Questionable Quizzes
Clicking on an ad or a link that takes you to a questionnaire on a website outside Facebook can lead to unwanted results. In many cases, the quiz may ask you to enter your cell phone number before you can view your results. If the scammers get your number, they can use it to subscribe you to unwanted and expensive text messaging services.

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

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

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

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB and Consumers Targeted by Email Scam

10/28/2011

Posted on 10/28/2011 by

BBB and consumers targeted by email scam

Scammers use StubHub’s name to con victims into giving out personal information

AUSTIN, Texas - Oct. 28, 2011 - A new email phishing scam hit Better Business Bureau and consumers across the country this week. The fake emails appear to be from StubHub — a website that allows users to buy and sell tickets to sporting and entertainment events — and use the site’s name to trick victims into providing personal information.

“Scammers seem to be getting progressively more difficult to track,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Fortunately, in this case, they sent the scam directly to BBB. We are hoping to get the word out in order to minimize the number of victims.”

The fake email claims a large purchase is pending on the victim’s StubHub account, usually involving boxing tickets in Nevada. It goes on to tell the victim that he or she needs to log on to the site using an attached link to cancel the order.

The link takes the victim to a duped site designed to steal username and password information. Once the victim tries to log on, the scammer has access to all of his or her account information.

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

“Please DO NOT click on any link in the email,” the company’s official statement reads. “If you have clicked on these links, you may need to check your computer for a virus or malware and should log into your StubHub ‘My Account’ to change your StubHub password. (https://www.stubhub.com/account/).”

A company representative asked affected consumers to send a copy of the email to safety@stubhub.com so they can investigate, and to email any questions or concerns to yourfeedbackmatters@stubhub.com.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Texas Attorney General Suspends ATV Dealer’s License

10/25/2011

Posted on 10/25/2011 by

Texas Attorney General suspends ATV dealer’s license

New Braunfels’ The Family Exchange defrauded consumers in 39 states

AUSTIN, Texas - Oct. 25, 2011 – The Texas Attorney General has resolved an enforcement action against New Braunfels based The Family Exchange and its owners Brandon and Debra Olson. The company, which also operates as Olson Powersports, Big Time Powersports, Big Time ATV and Star Power cannot sell motor vehicles online or in person for five years as a result of surrendering their sales license. Additionally, consumers defrauded by the company may receive refunds distributed by the AG’s office.

Better Business Bureau first warned consumers about The Family Exchange in September 2009 following several allegations of undelivered motor vehicles. Consumers complained to BBB that, despite paying in full for ATVs, dirt bikes and other motor vehicles, the company did not deliver products in the expected time frame, if at all. Additionally, consumers complained they were unable to reach the business with requests for refunds or repairs under the terms of their warranty agreements.

Over the past 36 months, BBB has processed 149 complaints against The Family Exchange from consumers in 39 states. 108 complaints were left unresolved or unanswered by the company. The value estimated by these consumers for their defective or undelivered products totaled nearly $110,000.

To read the full final judgment against The Family Exchange, click here.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Warns of Unclaimed Property Scams

10/18/2011

Posted on 10/18/2011 by

BBB warns of unclaimed property scams

Scammers are falsely claiming people have unclaimed property owed to them

AUSTIN, Texas - Oct. 18, 2011 – As people are becoming more aware of the different kinds of unclaimed property out there and the very real possibility that money could be waiting for them, Better Business Bureau reports of a scam that uses the promise of finding unclaimed money to lure people in.

This new scam comes in the form of an email telling people they have “millions of dollars” in unclaimed money. The message appears to come from the National Association of Unclaimed Property Administrators, and directs consumers to call an overseas telephone number to claim their supposed money. Scammers intend to get personal information from people such as their bank account information, credit card information and social security number.

While NAUPA is a real organization, it does not have control over any actual money, much less the authority to dole it out. Unclaimed property databases are located in and maintained by each individual state.

According to ClaimItTexas.org, the official state of Texas unclaimed property website, one in four Texans has unclaimed property from forgotten bank accounts, uncashed checks, security deposits and utility refunds.

To prevent your property from being abandoned, the Texas comptroller suggests residents change their address with the United States Postal Service with each move, check bank accounts and keep them active, confirm their address with past-employers for any additional payroll checks and list any royalties or safe deposit boxes on their estate or make someone aware of the property.

If you are interested in searching for unclaimed property BBB offers the following advice:

· Ignore email notifications. State unclaimed property offices do not email unclaimed property owners. Some state offices will mail notices to an owner’s last known physical address. If you receive an email claiming you have unclaimed property, chances are it is a scam.

· Don’t give out bank account information. While you might be asked for your social security number once you are on the secure state website to confirm your identity, you will never be asked for your bank account information. A check will be mailed to your home.

· Avoid paying a fee. There is no charge associated with searching for your property or claiming your property with state agencies.

· Be cautious of unknown callers. If someone calls stating you have unclaimed property owed to you, think twice and act smart. Especially if the callers use the name of an official entity, make certain that you go “off the call” and contact the official entity to confirm the information.

· Search certified databases. There are many official sites to use when searching for your unclaimed property. Start your search with your state comptroller’s office. From there you can find trustworthy websites, such as missingmoney.com, to search for potential properties in your name.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Shred Day Helps Protect Your Identity

10/13/2011

Posted on 10/13/2011 by

BBB Shred Day helps protect your identity

Event offers free on-site document shredding, recycling and ID protection advice

BBB invites consumers and businesses to participate in its seventh semi-annual Shred Day. The event provides free shredding and recycling services to take steps toward identity theft prevention and a greener planet.

“Shred Day isn’t only about throwing out old documents,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Shred Day is about helping consumers protect their identity in a safe and secure way.”

BBB Shred Day Details

Who: Consumers and business owners.

What: Free on-site document shredding and recycling with resources for preventing identity theft. Bring up to five boxes or bags of documents to be shredded and recycled. Staples do not need to be removed, but documents should be taken out of binders.

When/Where:

Corpus Christi:
- Saturday, October 15 from 9am to 1pm
- KIII-TV studios (5002 S. Padre Island Dr.)

Austin:
- Saturday, October 22 from 9am to 1pm
- Dell’s Round Rock Campus (Building 8; 2401 Greenlawn Blvd.)

San Antonio:
- Saturday, October 22 from 9am to 1pm
- Wonderland of Americas Mall between Target and Burlington Coat Factory (4522 Fredericksburg Rd.)

Killeen:
- Saturday, October 29 from 9am to 1pm
- 1st National Bank Texas (2201 Trimmier Rd.)

Permian Basin Complex Community Federal Credit Union locations:
- Saturday, October 15 from 10am to 1pm. (4900 E 52nd St, Odessa, Texas)
- Monday, October 17 from 4pm to 7pm. (1301 N. Main St, Andrews, Texas)
- Saturday, October 22 from 10am to 1pm. (310 W. Longview Ave, Midland, Texas)
- Monday, October 24 from 4pm to 7pm. (1117 S Stockton Ave, Monahans, Texas)

Why Shred?

In 2010, 8.1 million Americans became victims of identity theft, resulting in the loss of $37 billion, according to a report from Javelin Strategy and Research. The most common forms of identity theft are documents/benefits fraud, phone or utilities fraud and employment fraud. To help keep thieves from accessing these materials, BBB urges everyone to properly dispose of sensitive documents and electronics that contain this information.

Why Recycle?

Recycling helps create the products we use every day. According to a report published by the United States Environmental Protection Agency, Americans generated approximately 243 million tons of trash and only recycled about 82 million tons in 2009. The shredding services offered on Shred Day will recycle 100 percent of the shredded materials and will help promote a greener community.

For more information on BBB Shred Day, visit centraltx.bbb.org/shred.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Scammers Use Children’s Social Security Numbers to Steal Their Identities

10/13/2011

Posted on 10/13/2011 by

Scammers use children’s social security numbers to steal their identities

BBB offers free events to combat child identity theft

AUSTIN, Texas - Oct. 13, 2011 – Child identity theft is a growing crime that damages the pristine credit reports of children. Scammers use inactive Social Security numbers they find online – most of which are assigned to children under the age of 18 who have not started using them yet – and sell them to help people establish fake credit. Protecting a child’s innocent, clean record is something that every parent needs to do.

Scammers find it easy to target children – infants even – because parents are less likely to check the credit report of their 3-year-old child. What makes this crime so much worse is it often goes unnoticed until years after the fact when the child goes to make his or her first credit transaction.

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

“It is very important for parents to understand how identity theft happens and to teach their growing children the importance of protecting themselves and keeping their personal information safe,” said Carrie A. Hurt president and CEO of Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin.

Recognizing the need for consumer education and protection, BBB will be holding multiple Shred Day events throughout Central Texas, Oct. 15 through Oct. 29. These events will offer FREE on-the-spot document shredding and paper recycling, as well as the distribution of advice for protecting your identity. Consumers can bring confidential documents, phones, compact disks, floppy disks and old computer parts to be shred and recycled onsite for free.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Understanding Property Tax Loans

10/11/2011

Posted on 10/11/2011 by

Understanding property tax loans

BBB advises consumers to evaluate all options before taking out a loan to pay taxes

AUSTIN, Texas - Oct. 11, 2011 – Property taxes can pile up quickly when not paid on time. Some lenders offer to pay off back property taxes and stop interest and penalties from accruing, while allowing property owners to pay back the loan in installments over many years.

However, Better Business Bureau warns property tax loans can also be a slippery slope that can lead to foreclosure and other financial difficulties.

“I don’t have a problem with people using these types of businesses; they just need to be aware of the consequences,” Sylvia Romo, tax assessor-collector for Bexar County, said. “Get all the facts and then make an intelligent decision based on all the facts.”

Romo pointed out that these types of loans do not stop foreclosure. She said they simply transfer the tax lien to a private company, which can then foreclose for nonpayment. She added that most tax assessor-collectors’ offices are more than willing to work with property owners to make payment arrangements.

“As a public servant, I make every effort to work with … the property owners in doing payment arrangements,” she said. “These are profit-making businesses; we are not profit making, so we are going to be more lenient.”

BBB offers the following advice to those considering a property tax loan:

· Call the taxing agency first. Most government agencies are willing to create payment plans and make other arrangements with those behind on tax payments. Certain individuals may even qualify for a property tax deferral. Make sure you have exhausted every means of assistance available through the agency before considering a loan.

· Understand the process. A property tax loan provider will pay off the taxing entity, but that doesn’t mean your taxes are paid. The tax lien simply transfers to the private lender.

· Pay attention to the terms. Find out how much, in total, the private lender will charge you in interest and fees. You may end up paying more than you would have paid the taxing entity.

· Check other avenues. A property tax loan provider is not your only option. Check with your bank to see if you qualify for a lower-interest loan. Or see if you can pay the balance with a credit card; the interest rate may be higher, but you will keep your home should you default or file bankruptcy.

· Consult an attorney. A lawyer can help you negotiate with a taxing entity and understand the terms of a property tax loan, or help you decide whether or not to file bankruptcy. Texaslawhelp.org provides information to help those who cannot afford legal counsel, and can help you find low-cost representation.

· Start with trust. Check out a lender’s BBB Business Review at bbb.org to see how many complaints have been filed against it before doing business. Also ensure the lender is licensed by the state of Texas.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Top industries troubling military service members

10/7/2011

Posted on 10/7/2011 by

AUSTIN, Texas – Those who serve in the military are especially at-risk of falling victim to bad business practices, as evidenced by the thousands of complaints filed with Better Business Bureau by military personnel every year.

“Unfortunately, military servicemen and women and their families continue to be a heavily targeted group,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “They are generally in a more stable financial situation, which businesses recognize.”

Because of the nature of military service, members of the military are often young and constantly moving, making it easy for a dishonest business to take advantage. BBB urges servicemen and women to be extra cautious when entering into a contract or making a large purchase.

The following industries garner the most BBB complaints from members of the military:

Auto dealers. Within the past 12 months, service members have filed 143 complaints against auto dealers. The majority of those complaints allege dishonest and misleading sales practices and fees or interest rates that are much higher than the negotiated price.

Insurance companies. Of the 131 complaints filed against insurance companies by members of the military within the last year, 121 of those complaints were against car insurance companies. Most complaints allege companies failed to provide promised assistance or support for products or services.

Payday lenders. Many cash-strapped families may find themselves in need of a payday loan. However, high interest rates, unaffordable payment terms and high-pressure collection tactics can make these debts impossible to repay. What most borrowers don’t realize is the high interest rates attached to these loans can trap them into a “debt cycle,” which forces borrowers to repeatedly renew the loan and pay associated fees until they can finally save enough to pay off the principal.

Property management. While serving, many military men and women and their families receive permanent change of station orders, which means possibly having to break a lease. While the Service members Civil Relief Act allows service members to break a lease due to PCS, it does not protect them from management companies finding other ways to make money. Most of the 67 complaints filed with BBB within the last year allege management companies improperly charged for “damaged property” or “repairs needing to be made” after the tenant moved out.

BBB offers these general tips to consider when dealing with any of these industries:

· Research the company. Always check out a company’s BBB Business Review online at bbb.org. The reports are free and will tell you if the company is Accredited, how many complaints the business has received, whether there have been any government actions brought against the business and BBB’s overall rating.

· Beware of high pressure sales. A trustworthy company should let you take time to think about the purchase and compare prices before buying or putting down a deposit.

· Get everything in writing. Make sure when signing a contract that any verbal agreements are included in writing. Pay close attention to the payment terms, costs, fees, etc. Do not sign any contract that has blank spaces. Keep a copy of all documents signed, receipts and any other paperwork.

· Ask questions. If you have any questions about or disagree with anything in your contract, policy or lease, talk with the company and be sure you’re comfortable before you sign anything.

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

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BBB Tips for Selling Gold, Online or in Person

10/4/2011

Posted on 10/4/2011 by

BBB tips for selling gold, online or in person

BBB gives consumers tips for selling their gold

AUSTIN, Texas - Oct. 4, 2011 — As the price of gold continues to rise, many consumers are taking the opportunity to make a little extra money by selling their gold. In the past 12 months, BBB has received 2,790 inquiries on gold buyers. Better Business Bureau warns consumers to be cautious and informed before selling gold items.

Many of the complaints BBB receives against gold buyers claim buyers are paying less than what's expected and in some cases, with mail-in options, consumers report never receiving payment after mailing in their gold.

With so many options available for selling gold — online stores, local jewelry stores, etc. — it is important to take time and do the proper research. Get at least two or three appraisals to ensure the buyer is offering a fair price for each piece being sold. Check with BBB to find Accredited trustworthy businesses, both local and online.

If you are looking to sell your gold items, BBB offers the following advice:

· Separate your gold. All gold is not created equal. A 14-karat necklace will not have the same value as an identical piece in 24-karat gold. The rule of thumb: the higher the karat number, the higher the monetary value.

· Evaluate gems separately. Some jewels are too small and the cost to remove them can exceed their value. But engagement ring diamonds, for example, should be given a value separate from the gold.

· Document what you send. Make a list of items included in the package you mail, keep a copy, and put a copy in the envelope. Take a picture of items you send, including any identifying marks.

· Insure your items. Insure your items when shipping them, so you can recover the value if they are lost.

· Read the fine print. Before mailing items, find out what happens if you don’t agree with the amount offered by the company, and check the company’s policy on lost or stolen items. Many limit liability.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Texas Heat Increases Foundation Repair Inquiries 75 Percent

9/28/2011

Posted on 9/28/2011 by

Texas heat increases foundation repair inquiries 75 percent

BBB offers tips to help keep your home stable in the Texas heat

AUSTIN, Texas - Sept. 28, 2011 - The extreme heat Texas has been experiencing the past few months is taking a toll on local homes. Better Business Bureau has received more than 2,700 inquiries on foundation repair contractors since June, a 75 percent increase from this time last year.

“The most common cause of foundation shifting here in Central Texas is the expansive soil prevalent in our area,” said Brady Barnett, owner of Superior Foundation. “Expansive soil absorbs water and can expand multiple times its normal size in wet conditions. Therefore, when it dries, it shrinks to normal size and leaves cracks in the soil.”

Barnett said the most commons signs of foundation issues are cracks in walls or bricks, doors and windows that don't close properly, visible cracks in the foundation or floor and displaced or cracked moldings.

If the foundation appears fine, help prevent future issues by keeping the soil around the house moist and keeping any landscaping alive. Plants with deep roots are part of the support system for the foundation and rotting roots can create voids in the soil underneath a home.

BBB recommends the following tips for consumers in need of foundation repair:

· Check with your insurance. Some homeowner’s policies will cover foundation repair, so check with your insurance prior to signing a contract.

· Do your homework. Check with BBB before choosing a contractor. Get referrals, compare several price quotes, which can be done using BBB’s Request a Quote and always confirm the contact information of the contractor you choose.

· Request an on-site inspection. So that you can be given an accurate estimate, have the company come to your house to inspect the damage.

· Beware of red flags. High pressure sales tactics, full upfront payment or low estimates that may potentially balloon over time or foreshadow shoddy work to come are all red flags to look out for.

· Ask about warranties. Warranties and workmanship are only as good as the company that stands behind them. Trustworthy businesses will offer information about how they plan to handle any repairs covered under warranty, particularly if they are coming in from another area.

· Review your contract. Be sure to read, understand, and agree with everything listed in your contract. Do not sign a contract that has blanks or if you don’t agree with something.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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How to Manage Your Business’ Credit Wisely

9/27/2011

Posted on 9/27/2011 by

Whether you are in the beginning stages of starting your own business or looking to manage your current business’ credit more efficiently, it is always important to stay on top of your finances. According to the National Small Business Association, 78 percent of small businesses carry some form of debt (loans, credit cards, property mortgage, invoices owed.)

As your business continues to grow, it is important to build a good credit record for your business that is separate from your personal credit record. Getting credit in your business’ name can help you qualify for lower rates on loans and leases, and can help protect your personal credit record, which could suffer if you have too much business debt.

BBB recommends following these simple steps to effectively manage your business’ credit:

Establish a consistent identity

Always use the same business name, address and phone number so it will be easy for the credit reporting agencies to keep your records in one file. Consider incorporating to legally establish a business identity that is separate from your personal identity.

Open business accounts

Get a separate checking account for your business. Also, open an account with an office supply firm or other supplier that reports the transactions to business credit reporting agencies. Make small charges and pay them before the invoice arrives. Unlike personal credit scores, you will get extra credit for paying your balance before the due date.

Apply for a business credit card

Lenders will generally ask for your business’ tax records and earnings statements from the past few years so they can see how much you have earned in the past. They may also ask for a business plan so they can assess your potential for future earnings. Overall, lenders are interested in looking at your cash flow in relation to your expenses and your total debt in relation to your earnings. Provide all of this documentation along with explanations to prove to lenders that you expect to earn enough money to pay your bills in the future.

Apply for a Dun & Bradstreet (DUNS) number

A DUNS number is used by potential lenders to determine the likelihood that your business will make on-time payments for loans, equipment and office leases. The better your score, the better terms and rates you are eligible to receive. It usually takes 30 days to establish a DUNS number, or you can pay an additional fee for an expedited account. It may be a good idea to provide extra information about your business for your credit file. After you have a DUNS number, check your account for errors and make sure you are getting credit for your early payments.

Check your business’ PAYDEX score

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

For more business tips you can trust, visit www.bbb.org/credit-management/small-business-credit

Fraudulent Phone Calls Luring Victims from their Homes

9/27/2011

Posted on 9/27/2011 by

Fraudulent phone calls luring victims from their homes

BBB cautions consumers to confirm calls before leaving home

AUSTIN, Texas - Sept. 27, 2011 – Better Business Bureau advises consumers to be wary of unsolicited calls claiming they have won gift cards from local stores. The scam is meant to lure people away from their homes, giving burglars the opportunity to break in.

Consumers will receive a call from someone alleging to be from a local store. The unknown caller claims the consumer has won a gift card and asks the consumer to come to the store and claim his or her prize.

When the consumers arrive at the store to claim the prize, they find out that there is no gift card and there never was. Once they return home, they discover their house has been burglarized.

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

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

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

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

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Senior Citizens Remain Target of Scammers

9/23/2011

Posted on 9/23/2011 by

Senior citizens remain target of scammers

BBB warns of common scams targeting seniors

AUSTIN, Texas - Sept. 23, 2011 - Fraud targeting senior citizens continues to be a widespread concern reported by Better Business Bureau. In 2010, more than 2,700 seniors filed complaints with BBB, and so far in 2011 BBB has received more than 1,300 complaints.

A survey conducted by Investor Protection Trust in June 2010 estimated that 7.3 million older Americans — one out of every five citizens 65 and older — have been victims of financial scams.

“Fraud targeting senior citizens continues to be a growing concern,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Consumers need to keep the lines of communication open with their elders regarding finances and learn to recognize common scams targeting senior citizens.”

Common scams against seniors:

1. Grandparent scam — Victims receive a phone call from someone claiming to be a family member stranded far from home. The caller may use the name of a particular family member. They say they are being held in jail, need car repairs or other assistance and need money wired immediately. The scammers may lace the conversation with correct references to other family members, increasing credibility.

BBB tip: Remain calm and confirm the status of the individual by calling him or her directly or verifying the story with other family members before taking any further action.

2. Bereavement scam — Scammers will go through obituaries and use the information to prey on widows and widowers. They will try to sell the surviving spouse things he or she does not need, or say the deceased spouse had debt the surviving spouse must pay.

BBB tip: Offer help to elderly friends or 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.

3. Foreign lotteries — Seniors receive a letter in the mail stating they won a lottery. The letter requests they deposit an enclosed check, then wire a portion of the deposited money back to the company to cover taxes or administrative fees. The check will initially clear, but the bank will eventually determine it is fake and remove all the money from the account. The victim is out any money wired back to the scammers.

BBB tip: 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. Additionally, participation in a foreign lottery is illegal.

4. 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. However, what looks like a great opportunity for seniors is really just a great opportunity for scammers.

BBB tip: Always research work-at-home opportunities with your BBB. Beware of investment or money-making offers that seem too good to be true.

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

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BBB Advises Caution When Rebuilding After a Fire

9/21/2011

Posted on 9/21/2011 by

BBB advises caution when rebuilding after a fire

BBB offers advice for those recovering from recent fires

AUSTIN, Texas - Sept. 21, 2011 — Victims of the historic Central Texas fires spent days camped out in shelters, waiting. Now they are returning to the ashes and starting to rebuild.

Better Business Bureau advises those residents to take measures to prevent unscrupulous businesses and scammers from victimizing them a second time.

“Those coming back to damaged or destroyed homes are especially vulnerable right now,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Navigating the processes for filing an insurance claim or applying for aid can be stressful and confusing. At the same time, con artists are looking to make money from people who may have already lost everything.”

Mark Hanna, spokesman for the Insurance Council of Texas, recommended those with insurance contact their insurance provider immediately to begin the claims process. He said insurance companies are currently working hard to ensure all claims are handled quickly and efficiently.

“This is not unlike a hurricane where you have many homes and many families that have been dramatically affected and are in need of assistance,” he said. “The industry is aware of the problem and they are trying to get a hold of all policy holders as soon as possible.”

Many victims of the fires may not have insurance or may discover they did not have enough insurance to cover their losses. Such residents in Bastrop, Travis and Williamson counties now qualify for assistance from the Federal Emergency Management Agency.

Anyone who suffered damage in the wildfires should register with FEMA as soon as possible. The deadline to register is 60 days from Sept. 9. Victims can register over the phone by calling 800-621-3362, online at www.disasterassistance.gov or in person at FEMA's Disaster Recovery Center at the Bastrop Ninth Grade Center, 1602 Hill St., between the hours of 9 a.m. and 7 p.m.

Those who are not covered by the federal disaster declaration may still qualify for several state programs or assistance through private charitable organizations.

Those whose homes were not damaged should read BBB’s tips on charitable donations and disaster preparedness.

To assist those trying to recover from fire damage, BBB offers the following tips:

For those with insurance

· Call your insurance as soon as possible. Once you know damage has been done to your home, the faster you can get the claims process started, the faster you can begin your recovery.

· Document the damage. Take photos or video of all the damage before you clean up or make improvements. This can help the insurance adjuster estimate the appropriate costs.

· Make only temporary improvements. If your house is only partially damaged, you may patch holes and make other temporary improvements to make it livable. However, do not spend money on permanent improvements until your insurance company gives the OK. Remember to keep all receipts for your insurance later.

· Be present when the insurance company surveys the damage. You can help point out areas the adjuster might not have seen, like a shed in the backyard. If possible, have your contractor there as well to help estimate the costs of rebuilding.

· Consult the experts. The Texas Department of Insurance has a hotline set up to help people with questions about their insurance or problems with their insurance company. Call 1-800-252-3439 for assistance. The Insurance Council of Texas offers similar services.

For those without insurance

· Salvage what you can. The Federal Emergency Management Agency’s publication “After the fire: returning to normal” contains valuable information about where to turn and steps to take after a fire occurs, including tips on how to clean fire-damaged items. It is available at www.fema.gov.

· Know where to turn. The Texas Department of Public Safety has a list of resources available for those who are not covered by the federal disaster declaration. Otherwise, visit www.fema.gov for information on assistance available through the federal government. Also remember charitable organizations like your local church or national charities.

Call BBB at 512-445-2911 or visit www.bbb.org with any questions, to report a scam or to check out a business.

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Value of Sept. 11 Anniversary Memorabilia may be Short-Lived

9/9/2011

Posted on 9/9/2011 by

Value of Sept. 11 anniversary memorabilia may be short-lived

Don’t get caught up and overspend on 9/11 mementos

AUSTIN, Texas - September 9, 2011 – With the 10-year anniversary of the Sept. 11 terrorist attacks approaching, Better Business Bureau is advising consumers that the value of most memorabilia and commemorative items is sentimental; Prices for many items will likely drop over time.

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

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

“While many Americans might feel compelled to purchase memorabilia associated with the tragedy of Sept. 11, they need to understand the chance of these items increasing in value over time is unlikely,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin.

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

· Get educated. Collectors need to research the value of items before they begin purchasing them, especially if they want pieces with the potential for substantial appreciation in value. Think about whether you are buying it as an investment or a keepsake.

· Confirm authenticity. Autographs can be verified by a third party, but for other items, the collector should ask the seller questions, including how the seller came to own it. If the seller can’t answer simple questions, the collector should walk away.

· Make purchases with a credit card. Consumers should always purchase items with a credit card when shopping online. If the seller turns out to be fraudulent, the consumer can dispute the charge with the credit card company and may be eligible for reimbursement.

· Do your research. When purchasing items from an individual on eBay, research the seller’s track record by reading buyer reviews. When shopping on Craigslist, never wire money as payment.

· Don’t be fooled by empty advertising claims. Just because the seller claims the item is of limited edition, it doesn’t mean there weren’t millions made. If the item is being widely advertised, chances are it’s too common to actually gain much value over the years.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Red flag warnings about charitable organizations

9/8/2011

Posted on 9/8/2011 by

Red flag warnings about charitable organizations

BBB urges consumers to donate wisely

AUSTIN, Texas - Sept. 8, 2011 - As hearts pour out in the heart of Texas, some will donate money, food, bedding and other much needed supplies to the families who lost everything in the historic Central Texas fires. While many are suffering, others will steal those well-intentioned donations and line their own pockets.

Better Business Bureau advises good Samaritans to give their money and items wisely after the recent wildfires that ravished Central Texas.

“Charities do very great things, especially in times of crisis. Unfortunately, there are a lot of people looking to take advantage,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “It’s important for people who want to give, to give wisely. Do your homework and make sure your money is going where you want it to — to the people who need it.”

When looking to donate to a charity, BBB suggests consumers check with the IRS to ensure the organization is registered as a 501(c)(3), ask exactly where their donations will go and choose an organization that has experience in the specific type of relief efforts they are claiming to undertake.

Donors should be especially wary of charities that claim to be associated with law enforcement or firefighters. The Federal Trade Commission cracked down on such organizations in 2009 because of rampant fraud, but the problem continues.

In the state of Texas, any organization claiming affiliation with law enforcement, public safety or veterans is required to register with the state, pay a fee and disclose the amount of money collected that actually goes toward their cause. Many organizations spend a high percentage of their collections on fundraising or administrative costs. Residents can check such organizations out on the Law Enforcement Telephone Solicitation Act database, and call the agency the charity claims to have an affiliation with.

Consumers can also visit www.give.org to view a charity’s complaint history and get more details about the organization before they donate.

When giving to a charity, BBB warns consumers to watch for these red flags:

· Lack of information. Someone soliciting for a charity should know details like the percentage of money that actually goes toward the cause, how long the charity has been doing business and the charity’s full name, address and telephone number. Be wary of solicitors who cannot or will not answer your questions.

· High-pressure sales. Charities are constantly in need of support. If a solicitor is pressuring you to donate immediately without allowing time to research the organization, reconsider your donation.

· Insistence on cash. You should be able to donate using a credit card or check, and get a receipt for your donation. However, do not provide your credit card information to an unsolicited caller. Go “off the call” and contact the organization directly using independently verified contact information.

· Avoidance of U.S. mail. If the organization offers to send a courier, use an overnight delivery service or tells you to wire money, walk away. No legitimate charities will use such means.

· Prizes. Some callers will insist you won a prize in a contest you never entered then solicit a donation. Such calls are always a scam.

· Similar names. Many scammers try to add legitimacy by using a name that is very close to a well-known and respected charity. Check the name closely and make sure you are giving to the right charity.

· Claims of association. Callers may claim their organization is associated with BBB or another trusted organization. Always verify such affiliations before giving money.

To check out a charity or find trustworthy businesses, visit bbb.org.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Urges Residents to Prepare for Future Wildfires

9/7/2011

Posted on 9/7/2011 by

BBB urges residents to prepare for future wildfires

Following simple guidelines can help minimize the impact when disaster strikes

Note: This is the first in a three-part series to help area residents recover from the recent wildfires and prepare for future fires.

“Go upstairs and get everything you care about.”

As an 8-year-old girl, one Central Texas resident said, she could not wrap her head around that order.

A wildfire was making its way toward her home in California and her family had minutes to decide what precious few items they could pack in the car and what would be left to face possible annihilation. She said she packed all her stuffed animals into a large garbage bag only to have to leave them behind when she discovered the bag was too heavy to carry.

Now a grown woman, the resident said such scenarios became old hat during her time in California. She knew to have a bag ready and an emergency plan in place. Once she moved to Central Texas, she thought such preparations were a thing of the past.

From January to August of this year, more than 3.5 million acres in Texas have been burned by wildfire, according to the Office of the Governor. The Insurance Information Institute reported that in 2009, only 753,261 acres burned due to wildfires.

A large fire near Bastrop was zero percent contained Monday afternoon, and new fires were reported around the area, adding to the toll.

In light of the fires ravishing the area, Better Business Bureau is advising residents across Texas to have a plan, prepare their homes for a possible wildfire and properly vet any charities before giving money and items to help fire victims.

To help guide consumers preparing for future fires and looking to help those who have lost their homes, BBB offers the following advice:

· Have a plan. Know what you will do and where you will go should you have to evacuate. The Red Cross and Federal Emergency Management Agency offer tips and materials to help residents plan for wildfires. Central Texas residents can sign up to have emergency alerts sent to their mobile phones at http://wireless.capcog.org/ENS/PhoneMap.aspx?NewUser.

· Pack an emergency bag. Have a list of items you will take should you have to evacuate and have as many of them packed and ready to go as is feasible. FEMA compiled a list of important items to help people decide what they need to save in an emergency.

· Prepare your home. The Texas Forest Service recommends following the Ready, Set, Go! plan to help residents prepare their homes for wildfire.

· Protect important documents. BBB recommends consumers purchase a fire safe for important documents — such as passports, birth certificates, insurance contracts and photos — and precious items. Fire safes have ratings that indicate the level of protection they offer, and a higher rating generally means a higher price. Pick the model that is right for your needs.

· Catalogue valuables. Take pictures of your valuables and store them off-site or in a fire safe. This can help the insurance company assess the dollar amount for your losses. Even photos or video taken with a cell phone as you evacuate can be useful.

· Give wisely. Many families will not be able to recover without the assistance of others. However, when donating money or items, be sure you are working with a trustworthy organization.

- Find out where exactly your money and items will go. Does the charity add donations to a general fund or does it have a specific fund set up for fire victims?

- Make sure the charity has experience in relief efforts, especially wildfire damage. Not all disasters are the same and need to be handled differently.

- Visit www.irs.gov to verify that the charity exists and is registered as a 501(c)(3).

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t Let Misleading Car Ads Steer You Wrong

9/2/2011

Posted on 9/2/2011 by

Don’t let misleading car ads steer you wrong

BBB offers car buying tips for this holiday weekend

AUSTIN, Texas - September 2, 2011 – As Labor Day approaches, many car dealerships will offer incentives to help move the remainder of their 2011 inventory. Better Business Bureau reminds shoppers looking to take advantage of the holiday sales to do their homework and pay attention to detail; some promotions can be misleading.

Within the past year, BBB has received 1,240 complaints against auto dealers, both new and used. Many of the complaints allege advertisements for trade-in incentives or warranties were not honored appropriately, and car dealerships were difficult to work with when attempting to resolve disputes, such as warranty issues.

BBB reminds consumers there are many trustworthy dealerships offering real savings. To be sure you’re working with a reputable dealership, BBB advises consumers to be aware of the following advertising concerns, as well as adhere to the following tips.

Understand advertised offers:

· "No matter what you owe, we will pay off your trade-in.” This statement leads consumers to believe the dealer will give them what they owe for their old car. But what this statement really means is that the auto dealer will only apply what the current market value is for your car, not the remaining balance owed.

· "All credit applications accepted.” Many consumers mistake this statement to mean their loan will be approved, but really this only means the dealership will accept the application. According to the Texas Motor Vehicle Divisions, an auto dealer is prohibited from making a statement representing or implying that no perspective credit purchaser will be rejected because of his inability to qualify for credit.

· Very low prices. Sometimes dealers advertise a certain price for a vehicle that is extremely low in comparison to other dealers. The dealer should advertise the exact number of cars that will be sold at the low price.

Tips for those interested in buying a car this Labor Day Weekend:

· Do your research. If you have a specific make and model in mind, compare prices from several area dealerships. View each dealer’s BBB Business Review at bbb.org to get information about the length of time it has been in business, its history of complaints and complaint resolution and any past advertising concerns. BBB has more than 1,000 BBB Accredited auto dealers to choose from.

· Read the fine print. No matter what the business is advertising, always pay attention to the fine print. Next to many of the claims, there is an asterisk or number that refers to additional terms and conditions or limitations.

· Ask questions. Ask the dealer detailed questions about its advertised sales and research if they are comparable to vehicle market values.

· Get it in writing. Read and understand the contract thoroughly before signing. Make sure everything promised and agreed upon is included in the contract.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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What You Should Know Before Downloading a Mobile App

9/1/2011

Posted on 9/1/2011 by

What you should know before downloading a mobile app

BBB cautions consumers to research apps before downloading

AUSTIN, Texas - September 1, 2011 – Those who have a tablet, smart phone or mobile device have probably used an app at least once or twice. Businesses and individuals have developed apps to play games, get directions and access news, weather and other information. In 2010, consumers downloaded approximately 11 billion apps.

While apps are a great way to enjoy a mobile device or tablet, consumers should understand that not all apps are created equal and costs aren’t always apparent.

“Mobile apps give consumers the ability to do almost anything on their smart phones,” said Carrie A. Hurt, president and CEO of Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin. “However, some consumers download apps without realizing the cost associated with the app, what information can be accessed by the app or who could be accessing their information because of the app.”

BBB offers the following questions and answers to help consumers understand apps:

· How do I pay for an app? It depends on where and how you download the app. Phone plans may contain monthly data charges or you may pay per download. Also, app stores often require credit card information to create an account for purchases.

· Why are some apps free? While you may pay for some apps, others are offered free and make money in different ways.

- Companies may sell advertising space in the app to other businesses.
- Companies may offer a basic version of the app for free, but require you to pay for the full version.
- Some apps allow users to buy more features within the app. Usually, you are billed for these purchases through the app store account.
- Some free apps are designed to build interest in the company’s other products.

· What types of information can apps access? It depends on the app itself. Some apps can access phone and email contacts, call logs and device location. Some access only the information they require to function, while others access data unrelated to their purpose.

· Why do some apps ask for location? Apps use specific location data for maps, nearby coupons and information on who you might know nearby. Other apps provide this information to ad networks that build a profile and target marketing toward your specific interests.

· Should I update my apps? It is a good idea to update your apps. Updates may have security upgrades that protect your information from the latest hacks.

· Could an app infect my phone? While most apps are pre-approved before being added to an app store, hackers have created apps that can infect smartphones and tablets. Be cautious when downloading apps and be sure to use a reputable app store or website to download from. If your phone begins performing functions on its own, that may be a sign of malware.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Common Scams Targeted at Businesses

8/31/2011

Posted on 8/31/2011 by

Business owners need to be just as diligent with their money and personal information as individuals

A former BBB president recently received a fax promising to reduce credit card debt, collections, unsecured debt and tax obligations and brought it to his local BBB for review. The document contained a fake check and the seal of a government agency that no longer exists. The trained eyes at BBB immediately recognized it as a scam. However, not all scams are obvious, especially those targeted at businesses. Scammers can easily find information about your business that will make their claims seem more legitimate.

Businesses can avoid falling victim to this and other types of scams by using the same tactics as individuals. Check out any unsolicited offers; don’t pay fees or shipping charges up front; and visit bbb.org to ensure any business-to-business dealings are legitimate.

Here are some common schemes to watch out for:

Advance fee loans

Scammers may offer your business a loan to help cover a previous debt or an expansion. The interest rate is low and the amount will more than cover your needs. All you have to do is send the bank a small fee and it will disburse your money immediately. Such loans are illegal and generally a scam. Once you send in the fee, the crooks disappear with your money and you never see a dime of the loan.

Prepaid shipping charges

Scammers call businesses to order large, specialty items, giving a credit card number that initially checks out. In order to seal the deal, the caller asks the business to send money to cover the charge of shipping the bulky item. Happy to help out a customer, the business owner complies only to find out later the credit card the customer used was stolen and the scammer has disappeared.

Charging for free services

BBB recently discovered an online service offering conflict resolution for a fee — a service BBB offers completely free of charge. Do your research before hiring an outside firm to help with everyday problems. Make sure there are no government or BBB programs that may offer the same services for much less or even free.

Overpayment

A customer orders a big-ticket item and sends in a check to pay for it, only the check is several hundred dollars more than the price of the item. The honest businessman sends the item, along with a reimbursement for the difference, only to see the original check bounce several weeks later. Especially when dealing with first-time customers, wait for any checks to clear your bank before shipping an item or offering a refund.

If your business is targeted by a scam, let us know on Facebook, Twitter or by phone at 512.445.4748.

How to Calm an Angry Customer

8/31/2011

Posted on 8/31/2011 by

Many business owners have faced an angry customer, then read the angry email, followed by the scolding post on Facebook. In the modern age of social media, one dissatisfied customer can turn into a dozen dissatisfied customers instantly, which makes customer service more paramount and challenging than it has ever been before.

Here are a few tips to keep customers calm in the digital age.

In person

The easiest and best way to turn an unhappy customer into a loyal customer is to listen. Practice active listening techniques. Pay attention to what the customer is actually saying and wait until he or she is finished. Then summarize what you just heard to confirm that you and the customer are on the same page before you offer a solution. Simply understanding the problem can go a long way toward solving it. Maintain eye contact and keep your tone neutral and respectful and train your employees to do the same.

On the phone

The golden rule of phone interactions is to be responsive. If you can’t answer a call immediately, make it a priority to return messages in a timely manner. Customers’ ire rises every time they are forced to call you with no response. Use the same active listening techniques you would use if the person were standing in front of you, only remember tone of voice is especially important over the phone. And consider the mute button your enemy. Many customer service agents have found themselves in hot water because they thought the speaker was muted.

Online

Make sure you follow your own business name on sites like Twitter and Facebook. You can even set up a Google alert for your business name to help you spot negative comments. When you find one, post a reply with a phone number or email address so customers can contact you about the issue. If it is a known problem that you have already taken steps to fix, apologize and explain the situation, but still offer contact information if they want to discuss the issue further. Treat your email like you would your phone — make it a priority to answer every message. If possible, respond with a phone call instead of another email.

For more business tips and advice, visit www.bbb.org/us/Business-Resources.

How to Calm an Angry Customer

8/31/2011

Posted on 8/31/2011 by

Here are a few tips to keep customers calm in the digital age.

In person

On the phone

Online

For more business tips and advice, visit www.bbb.org/us/Business-Resources.

Phishing Scam Takes a Legal Twist

8/25/2011

Posted on 8/25/2011 by

Phishing scam takes a legal twist

BBB warns consumers to protect themselves

AUSTIN, Texas - August 25, 2011 — Better Business Bureau once again warns Texas residents against giving out personal information to unknown callers. Scammers have recently been using the name of local law firms to trick victims into giving out bank information, credit card numbers and other private information.

Victims report receiving calls from individuals using a fake name and an untraceable phone number, who say they work with a local law firm.

The callers, who usually have a heavy accent, claim the firm is suing the victim on behalf of a payday loan provider. The caller goes on to say the victim defaulted on a loan and demands payment and other personal information. Victims may not remember taking out such a loan, but some cases have been linked to security breaches at financial institutions.

There are other variations of this scam. Callers pretend to be law enforcement or government officials collecting on a range of outstanding debts, from loans to traffic tickets. Should the potential victim refuse to pay, the scammers threaten anything from a lawsuit to arrest.

Hundreds of people around the country have reported falling victim to these types of scams. In order to protect your personal information, BBB offers the following tips:

· Demand proof. The caller should identify who they are and, upon request, provide you with a telephone number where you can speak to someone directly about the call. The caller should also have proof you incurred the debt.

· Report all suspicious behavior. File a complaint with BBB or the Texas Attorney General’s Office if the caller is abusive or uses threats.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Tips for College-Bound Students to Prevent Identity Theft

8/23/2011

Posted on 8/23/2011 by

Tips for college-bound students to prevent identity theft

BBB encourages college students to be smart and protect their identities

AUSTIN, Texas – Aug. 23, 2011 – College students often have many responsibilities to manage when it comes to school, work and their social lives, which means identity theft and credit ratings often take a back seat to other priorities. However, Better Business Bureau warns that young adults are particularly vulnerable to identity theft and related crimes.

More than 250,000 people fell victim to identity theft in 2010, according to the Consumer Sentinel Network Data Book. Of those, 24 percent were between the ages of 20 and 29. Another 8 percent were 19 years old and younger, meaning college-aged students account for as much as one quarter of all identity theft victims.

Young adults are especially susceptible to friendly fraud — fraud perpetrated by people known to the victim, such as a relative or roommate. Such crimes grew 7 percent overall last year, according to a report released by Javelin Strategy and Research.

Because college students are such common victims of identity theft, BBB recommends taking a few simple steps to protect your identity:

Secure your mail. Campus mailboxes are often easily accessed in a dorm or apartment. Have sensitive mail sent to a permanent address such as your parents’ home or invest in a secure post office box.

Don't share too much on social networks. Identity fraud was twice as common for people who have been on social networking sites for five years or more. Javelin research found those not using privacy settings on their networks were at a higher risk of exposing crucial information to fraudsters.

Important documents should be securely stored. This includes your social security card, passport and bank and credit card statements. Shred all paper documents that contain sensitive financial information and any credit card offers that come in the mail.

Never loan your credit or debit card to anyone. If you feel the need to pay for a friend’s meal or a tank of gas, go with them instead. Avoid co-signing for a loan or other financing.

Make sure your computer software is up to date. Many public Wi-Fi systems can be susceptible to hackers, especially those that are not password-protected. Download updates to your antivirus and spyware software on a regular basis to keep your personal documents and information safe. Never use a shared computer workstation to pay bills or shop online.

Check your credit and debit card statements frequently. Look for any suspicious activity or purchases. The sooner you identify potential fraud, the sooner any fraudulent charges can be refunded to you.

Start with trust. When shopping on unfamiliar websites, always check for the BBB Accredited Business seal and click to confirm it is legitimate. If there’s no seal, check the company’s BBB Business Review at bbb.org.

Check your credit report at least once a year. Experian, Equifax and TransUnion each offer a free credit report once a year. Visit www.annualcreditreport.com to request a report and look for any suspicious activity or inaccuracies.

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

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Don’t Let Scammers Skim Money from Your Wallet

8/19/2011

Posted on 8/19/2011 by

Don’t let scammers skim money from your wallet

BBB urges consumers be cautious when using ATMs and card swiping machines

AUSTIN, Texas - August 19, 2011 – Before getting money out at the ATM or filling up their gas tank, Better Business Bureau advises consumers to take a minute to inspect the machine before swiping a credit or debit card. Card skimming is becoming more common.

According to the ATM Industry Association, card skimming is defined as the unauthorized capture of magnetic stripe information by modifying the hardware or software of a payment device, or through the use of a separate card reader. Once consumers swipe their card through the fake card reader, their account information is automatically sent to the waiting criminals. In addition, thieves may use hidden cameras attached near a machine to record the consumer’s hand movements to obtain their personal identification number.

The criminals download the stolen information and encode it to a blank card, then proceed to withdrawal money from the victim’s account. According to Bankrate.com, debit and credit card skimmers steal nearly $1 billion annually from unsuspecting consumers.

“Card skimming is a common crime,” said Michael Urban, Sr. Director of Global Fraud Solutions with FICO. “Many times criminals will intercept card information by hacking computer systems … to capture payment card information.”

To reduce the growing number of consumers victimized by this crime, BBB offers the following tips:

· Inspect the ATM – Avoid using ATMs in poorly lit or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if something appears out of the ordinary.

· Protect your PIN – When entering your PIN, cover the keypad with your other hand to protect your private information from any cameras in the vicinity. FICO also recommends you periodically change your PIN.

· Monitor your statements – Even the most careful person can fall victim to skimmers. Keep a close eye out for suspicious charges on the itemized breakdown of your accounts. Through your financial institution, you can also sign up for alerts that will notify you when certain types of transaction occur.

· Report fraud immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit and credit cards vary but depend largely on when the fraudulent activity is reported.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Scam Alert: Do NOT Respond to Emails from “bbbupdate@post.com”

8/18/2011

Posted on 8/18/2011 by

Scam Alert: Do NOT Respond to Emails from “bbbupdate@post.com”

AUSTIN, Texas - August 18, 2011 - BBB reminds local business owners that all email correspondence from our office will come from a valid bbb.org address. Currently, an email from “bbbupdate@post.com” is circulating to businesses nationwide requesting verification and validation of a BBB rating review. The phony email address appears to originate from the Atlanta, GA. metro area stating the following:

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

Should your business receive the above email, please disregard its message. The Council of Better Business Bureau’s Legal Department is working to find out who is behind this and will take all appropriate action to protect the BBB trademark.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

Senate Committee Condemns Third-Party Billing Practices

8/17/2011

Posted on 8/17/2011 by
Senate Committee condemns third-party billing practices

Report states “cramming” is rampant and consumers are getting little relief

AUSTIN, Texas - August 17, 2011 — Third party vendors are collecting billions of dollars in erroneous charges placed on mobile and landline phone bills and consumers are getting little help from their telephone service providers with removing and preventing such charges, according to a report released July 12 by the U.S. Senate Committee on Commerce, Science and Transportation.

The report further states Federal Trade Commission and other law enforcement actions have been ineffectual in curbing the problem.

While the information isn’t new, Better Business Bureau once again warns consumers to be on the watch for this billion-dollar-a-year practice and be proactive in keeping false charges off their bills.

The report, titled “Unauthorized Charges on Telephone Bills,” includes a survey of 500 customers who had third party charges on their bills. Not a single person said those charges were valid.

Because the practice is highly profitable to phone companies, the report added, customers have had a difficult time getting charges removed from their bills.

“Only after these consumers contacted the Better Business Bureau or their state attorneys general did their telephone companies provide assistance for many of them,” the report reads.

Individuals, businesses and government agencies have all been victims of the practice, some reporting tens of thousands of dollars in fraudulent charges.

“Third-party vendors even crammed unauthorized charges for voicemail services onto AT&T‘s own telephone lines,” according to the report.

To protect yourself from unauthorized charges on your telephone bill, BBB offers the following tips:

· Understand your mobile service plan. Be sure to keep track of what services you do want to pay for. Without understanding what services you expect, it will be difficult to determine which charges are potentially inaccurate.

· Keep a close eye on monthly statements. Anyone can become a victim of bill “cramming” or “shock” and monitoring your monthly bills is the only way to determine whether or not you’ve been affected. The sooner you spot any unexpected charges, the sooner you can stop them.

· Add restrictions to your account. Contact your service provider to see if you can completely restrict third-party billing on your account. This is especially helpful if you have several family members or friends sharing one account and you want to limit their ability to add charges.

· Be cautious about free trials or sweepstakes. Be wary when asked to sign up for a free trial or enter a sweepstakes on your mobile phone. Always read the fine print on any offer so you know whether or not any future charges will apply.

· Know where to complain. The first step to eliminating these fees is to notify your cell phone service provider if you see charges you didn’t expect. If you are unable to resolve an issue regarding bill charges with them, file a complaint with the FCC for charges related to telephone service and BBB for all other charges on your phone bill. Neutral third-party groups are helpful in determining a fair resolution for unwanted charges.

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

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Back to School Shopping Tips for the Tax-Free Holiday

8/15/2011

Posted on 8/15/2011 by
Back to school shopping tips for the tax-free holiday

Annual Sales Tax Holiday runs Aug. 19 – 21

AUSTIN, Texas - August 15, 2011 – The 13th annual Sales Tax Holiday, or Tax-Free Weekend, begins Friday and runs until Sunday. Consumers can expect to save approximately $8 for every $100 they spend on most clothing, footwear and school supplies priced less than $100. A full list of items that qualify can be found on the Texas Comptroller’s website here.

According to Texas Comptroller Susan Combs, Texas expects shoppers to save $62.1 million this weekend on tax-exempt items. Many stores will be open extended hours and offer additional back-to-school sales to help consumers take advantage of this once-a-year tax-free event. BBB advises consumers to plan ahead, stick to a budget and pay close attention to advertisements to make the most of this weekend’s deals.

Safe Shopping Tips:

Take inventory. Before hitting the stores, take inventory of items you already have. You may have leftover supplies from the previous school year. Look around the house for reusable items such as backpacks, lunchboxes, calculators and rulers.

Set a budget. Decide how much you are willing to spend per person a few days in advance. Include children in the process of creating the budget to teach them responsible money management.

“Back-to-School Sale” doesn’t mean tax-free. Retail stores may advertise back-to-school sales because they know consumers are buying items for the upcoming school year. Certain discounts will still have taxes applied to them unless the item appears on the state comptroller’s tax-free list.

Shop with a list. After taking inventory, create a shopping list and stick to it. This will help you stick to your budget, avoid costly impulse purchases and ensure nothing is forgotten.

Know what your child’s school allows. Schools will often provide parents with a list of required items for the school year which can help determine what you need to purchase. These lists are also available at many retail stores and on school websites. Additionally, many schools have specific dress codes, so keep these restrictions in mind before spending money on clothes the school may not allow.

Check for refund and exchange policies. Be sure you can exchange or return items purchased during this time period. Keep in mind some items may be non-refundable or have restocking fees associated with a return.

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

Help Shut Down Copper Thieves

8/11/2011

Posted on 8/11/2011 by
Help shut down copper thieves

BBB offers tips to protect against would-be scrap metal thieves

AUSTIN, Texas - August 11, 2011 — Copper thieves can wreak havoc on a home or business, dismantling air conditioning units, plumbing and more in hopes of getting scrap to sell. With the cost of scrap metal increasing, Better Business Bureau warns consumers and business owners to take precautions.

Copper thieves have cost residents and businesses thousands of dollars and created an additional challenge for law enforcement, since stolen scrap metal is difficult to track.

The problem has become so rampant in Texas, the Legislature considered seven separate bills concerning copper theft in the 2011 Legislative Session. In 2007, the state began to require scrap metal dealers to register with the Texas Department of Public Safety.

Det. Ray Brown with the Austin Police Department said copper thieves are difficult to stop because they choose easy targets, like unsecured air conditioning units.

“It’s too easy because sometimes they’ll do it during the day and people think, ‘well it’s just somebody working there,’” he said.

Brown said to be on the lookout for people near air conditioning units who have no identification or uniform.

“Don’t hesitate to call the police,” he said. “If you’re wrong, it’s OK. It’s no big deal. Just call and they can get somebody out there.”

BBB offers the following tips to avoid being victimized:

· Secure items where possible. Keep mobile items thieves could pilfer inside. For larger targets, like air conditioning units, keep the area fenced in and the fences locked.

· Make it difficult for thieves. Move dumpsters and ladders away from buildings to make it difficult for thieves to reach rooftop refrigeration units. Clear ground-level air conditioning equipment of underbrush so others can spot people attempting to work around the unit.

· Invest in security. Add motion sensing or continuous outdoor lighting around air conditioning units. Businesses should try to have someone on site at night to watch for thieves.

· Start a neighborhood watch. Get to know your neighbors and ask them to help keep watch. Never assume the person working on the neighbor’s air conditioner or gutters is a repairman. Check with the neighbors, then call the police.

· Mark materials. If materials are stolen, the best chance of identifying them is to make them stand out from other similar material that might come to a recycler legitimately. Marking items with bright paint, and etching an identification number at various places can make materials stand out.

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

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Watch Out for False Promises from OnlineBusinessScams.com

8/9/2011

Posted on 8/9/2011 by
Watch out for false promises from OnlineBusinessScams.com

AUSTIN, Texas - August 9, 2011 — Better Business Bureau cautions consumers to watch out for a website that is falsely charging for BBB complaint resolution services.

OnlineBusinessScams.com charges consumers an upfront fee of $1,500 to $2,000 for assistance in collecting money owed from businesses only to forward consumers’ complaints to BBB.

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

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

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

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

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Online Gun and Shooting Accessories Manufacturer not a Straight Shooter

8/5/2011

Posted on 8/5/2011 by
Online Gun and Shooting Accessories Manufacturer not a Straight Shooter

Consumers out thousands of dollars when company doesn’t deliver

AUSTIN, Texas - August 5, 2011 — Better Business Bureau advises consumers to do their research before making expensive gun and shooting purchases online. One Coastal Bend area company earned an F rating from BBB and left a string of frustrated customers who paid in full for their products but never received them.

Mike's Gun Sales & Service is an Aransas Pass, Texas, company offering rifles, suppressors and shooting accessories for sale to consumers nationwide on its website, www.jetsuppressors.com. The company claims to specialize in building custom precision rifles.

Consumers allege they paid an average of $1,500 to this company in advance, some as much $3,900. Unfortunately, some consumers have contacted BBB after their gun or gun related products were not delivered in the expected timeframe, if at all.

Corpus Christi resident Richard Epstein told BBB it’s been a year since he paid Mike’s Gun Sales & Service $1,300 and he still has nothing to show for it. Initially the company tried to blame the lag on paperwork required by the Bureau of Alcohol, Tobacco, Firearms and Explosives for approval of the application.

“[The company] says it could be up to 13 months for the government to handle the paperwork,” Epstein said.

However, he told BBB that when he contacted government officials to confirm, they estimated the process should take only three months. Additionally, Epstein was told he could verify whether the paperwork had even been filed if he got a serial number. In his last phone call with the company, he asked for that serial number, but never received it.

Nearly 11 months after paying his money, Epstein filed a complaint with BBB. Unfortunately, Mike's Gun Sales & Service did not respond, and he still has received “no refund and no product,” he said.

He’s not alone. BBB has received five complaints in the last 12 months from consumers who allege this company failed to deliver products when promised, the company has not responded to any of those complaints.

Based on recent complaints, BBB requested that Mike’s Gun Sales & Service provide an explanation of the cause of the disputes as well a statement explaining what action the company would take to address consumer complaints and prevent them from arising.

BBB contacted the company again on June 1, after receiving another consumer complaint alleging the same concerns. Once again, the company did not respond.

Epstein found Mike’s Gun Sales & Service online while searching for shooting and marksmanship products. He admits he did not do enough research before agreeing to work with the company. If he had, he said, he would have seen BBB’s F rating and read the numerous negative reviews.

To help consumers avoid paying hundreds of dollars to online dealers for firearms or related products they may never receive, BBB offers the following tips:

- Federal laws should be followed. If the gun must be shipped, then it must be shipped to a Federal Firearms License (FFL) holder. Before a gun is released to the buyer, the FFL holder will often charge a small fee for required background checks. The Bureau of Alcohol, Tobacco, Firearms and Explosives has a full list of restrictions on its website.

- Review the return, refund, shipping and handling policies. If you can’t find them, ask the seller to provide them to you in writing.

- Use a credit card. If you have an unauthorized charge on your credit card, under federal law your liability is limited to $50. In fact, some credit card issuers and website operators say that under certain circumstances they will even pay this amount for consumers. In addition, some credit card issuers grant extended warranties or other advantages for purchases made with the card.

- Print the terms. Date and have a copy of terms, conditions, warranties, item description, company information and confirming emails and save them with all records of the purchase.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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CPS Energy and City of San Antonio Partnership brings Opportunity for BBB Accredited Businesses

8/4/2011

Posted on 8/4/2011 by

CPS Energy and City of San Antonio Partnership brings Opportunity for BBB Accredited Businesses

Partnership to Support Growth and Opportunity for Energy Service Contractors

SAN ANTONIO, Texas - August 4, 2011 – BBB is pleased to be working side by side with CPS Energy and the City of San Antonio to carry out the new CPS Energy Savers program. The new program is part of the Department of Energy’s (DOE) Better Buildings initiative intended to help local businesses and homeowners reduce energy expenses through cost-effective energy solutions.

The CPS Energy Savers program will create opportunities for contractors to provide services related to energy efficiency in San Antonio within the local CPS Energy service territory as they relate to home or building’s lighting, HVAC systems, solar energy and more. The result will be an opportunity for a cleaner city, increased financial backing and affordable energy conservation product growth. BBB will specifically serve the program as the trusted resource for providing BBB accredited business contractors to execute the recommended home and building improvements.

“As BBB continues to serve our communities, we understand the need to provide essential information on each business,” says Carrie A. Hurt, BBB President and CEO. “Our staff is eager to assist consumers and businesses find trustworthy BBB Accredited Businesses to provide energy efficient products and services.”

Contractors can qualify to provide services by being registered with the City of San Antonio, Development Services Department and by being accredited with Better Business Bureau. After meeting both requirements, contractors will have access to information and workshops supported by multiple local entities in order to ensure participating contractors have the right information and resources available.

The DOE’s Better Buildings initiative is expected to save up to $50 million nationwide in annual energy costs by creating significantly greater energy efficiency in existing buildings. For more information about the CPS Energy Savers program and details on upcoming workshops, call 210-353-2222. For more information on accreditation with Better Business Bureau, click here.

About Better Business Bureau:

Contact BBB at (210) 828-8752 or www.sanantonio.bbb.org.

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Fly-by-Night Contractors May Follow Tropical Storm Don

7/29/2011

Posted on 7/29/2011 by
Fly-by-Night contractors may follow Tropical Storm Don

Possible damage from strong winds and storms may lead scammers to your neighborhood

CORPUS CHRISTI, Texas - July 29, 2011 — As Tropical Storm Don moves toward the Texas coast, Better Business Bureau warns consumers of potential scams in the wake of storm damage.

The damage caused by a tropical storm can be quite extensive with wind speeds reaching 39-73 mph; and with high wind speeds comes the possibility of damage to your home. Whether it is a missing shingle, structural damage or a fallen tree, BBB urges consumers to be prepared for potential scammers looking to take advantage of those who have already been victimized.

Whether you’re in need of an immediate repair or not, BBB recommends the following tips to reduce the risk of hiring a contractor who is not trustworthy:

- Do your homework. Check with BBB before choosing any kind of contractor. Get referrals, compare several price quotes, which can be done using BBB’s Request A Quote and always confirm the contact information of the contractor you choose. Beware of red flags, including high pressure sales tactics, full upfront payment or low estimates that may potentially balloon over time or foreshadow shoddy work to come.

- Work closely with your insurance company on repairs. Make sure you understand how your homeowner’s insurance company will reimburse your repair costs. Before spending money, call your insurance company to make sure all necessary procedures are followed according to your policy. If you do not follow your insurance company’s guidelines, you may be stuck with the entire bill.

- Ask about warranties. Warranties and workmanship are only as good as the company that stands behind them. Trustworthy businesses will offer information about how they plan to handle any repairs covered under their warranty, particularly if they are coming in from another area.

- Get everything in writing. Make sure all work is explained in the contract, including cleanup, waste disposal and start and completion dates. Any verbal agreements that were made should be included in the contract. Pay close attention to the payment terms, estimated price of materials, labor and any guarantees. You should also get a copy of the contractor's insurance. Any changes to your contract should be done in the form of a change order.

- Beware of storm chasers. In the wake of a storm, unscrupulous businesses offering roof repair, lawn clean-up, or carpet cleaning services, may solicit work going door-to-door. A common sales tactic is to tell a homeowner that their insurance company will likely cover the cost of the needed repair. The homeowner is then required to sign a contract and make an advance payment. In many of these cases, BBB hears that the job is never completed and the insurance company does not cover the cost.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t Get Overwhelmed After Overnight Success

7/28/2011

Posted on 7/28/2011 by

BBB advises to plan ahead before your business becomes a big hit

The dream scenario for any entrepreneur is to achieve great success with his or her business. But, many small business owners are so busy with their day to day responsibilities, planning for a sudden spike in growth normally gets put on the back burner. To maximize the time your business will ride the wave of success, BBB offers a few tips to help you think fast and react quickly when your business skyrockets.

- Map out a strategy. Take the time to sit down with your partners and staff to make a to-do list. For example, if you had to manufacture and distribute three times as many products, decide how many more employees it would take and how much it would cost to produce and/or deliver them.

- Communicate with your customers. Include them in your celebration by announcing the good news on your website or by email. It is important, however, to warn these existing, loyal customers of any potential shipping or production delays that may occur while you deal with the increase in orders.

- Invest for the future. While it may be tempting to reap the profits from your hit product right away, it is important to re-invest some of those profits to help your business grow. This includes paying off any outstanding debt, buying new equipment, hiring another employee or opening another location. It’s usually cheaper to put your own cash to work in your business than to borrow additional money.

- Know where to reach out for help. If you feel you will need help when sales begin pouring in, contact your bank. Assuming you have good credit, your bank may be able to help you set up a credit line or increase the one you have to account for new short-term expenses. Additionally, look into sources for temporary help if you are not comfortable with hiring new full-time employees right away.

- Create a network with other companies. Depending on the products you offer, it could be beneficial to enlist the services of a third party to handle incoming phone calls or make deliveries. Take the time to research companies in your area with BBB to make sure they value the same high standards your business does.

- Learn from your success. After the excitement of the initial sales rush has died down, take the time to sit down with your staff to figure out what went right and what you could do better in the future. This will help put a strategy in place for creating your next big idea.

For more advice on developing additional business strategies, visit www.bbb.org/us/Business-Resources.

Find and Reach Your Potential Customers Effectively

7/28/2011

Posted on 7/28/2011 by

BBB has advice for marketing to new and existing customer bases

The goal of advertising and marketing is to attract new customers to your business and to keep your existing customers. Fortune 500 companies spend thousands, sometimes millions of dollars yearly researching ways to penetrate new demographics. However, with the right strategy, your business can market itself to previously untapped groups of consumers, all while keeping your existing clients interested in your services.

You have already taken the first step in standing out by proudly displaying the BBB Accredited Business seal on your storefront and website. Take your marketing to the next level by effectively targeting the following four groups in your next advertising campaign.

1) Existing Customers

The best way to keep your existing customers is by continuing to show the value your company brings them. A good place to start, if you have contact information for all your clients, is to regularly send updates on new products and sales through email campaigns and on your social media websites. This makes your loyal customers feel like they are always first in line to take advantage of the services they enjoy the most about your business.

2) Your Competition’s Customers

Consumers who are buying equivalent products and services from your competitors are already interested in what your company has to offer. To reach them, it’s important to factually compare your products in a way that shows they are superior to what the competition is offering. Additionally, research the way your competition is promoting their businesses to see if you are missing out on an opportunity to be seen or heard.

3) People Who Buy Similar Services

These potential customers are interested in products and services similar to what you offer. For instance, your company may offer pest control services, but if your materials are eco-friendly, consumers who tend to buy eco-friendly products may be drawn to your company. To reach this audience, find the publications and websites these consumers read and tailor an advertisement highlighting the specific things about your business these consumers will enjoy.

4) Consumers Purchasing Substitute Products

If your company sells tile, your direct competition is other tile companies. However, you are also in competition for consumers buying wood flooring and granite counter tops as well. To get these potential customers interested in your company, consider adding photos to your website and promoting more than your basic services to showcase the diversity in your business.

For more business tips or to find a trustworthy business, visit bbb.org.

Talent and Modeling Searches are Often Here Today, Gone Tomorrow

7/28/2011

Posted on 7/28/2011 by
Talent and modeling searches are often here today, gone tomorrow

BBB recommends watching out for lofty promises and advance fees

AUSTIN, Texas - July 28, 2011 – The summer months are a popular time for talent and modeling search promotion companies to solicit local events through radio and direct mail advertising. With many children home from school, Better Business Bureau warns not all modeling and talent searches deliver on promises of fame and fortune.

In the past 12 months, more than 385,000 consumers have researched talent and modeling companies at BBB.org. During that same period, BBB received nearly 800 complaints from consumers nationwide, including 43 from Texas, who felt they were misled by an agency.

Common complaints filed with BBB allege agency representatives require consumers to pay upfront fees for items such as headshots, portfolios or for an out of town trip. Upon receiving payment, consumers say the agency would put them in touch with industry professionals or begin finding them or their child work.

Despite paying hundreds, or even thousands of dollars, consumers allege these lofty promises do not fulfill their expectations. Consumers typically request a refund, but report having difficulties tracking down the agency after it has left town.

Before attending an event or signing up with a modeling or talent agency, BBB recommends consumers do the following:

· Do your research. Find the name of the agency and check its BBB Business Review at bbb.org. If the company has a poor rating, unanswered complaints or a past history of misleading advertising, it may be wise to avoid doing business with it.

· Beware of big promises and high pressure sales pitches. Consider it a red flag if the sales pitch promises regularly scheduled jobs and big earnings. Additionally, be wary if the pitch uses high pressure tactics to get you to sign up without thinking it through first.

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

· Get references. Ask the company for references from past satisfied clients who have a similar background and qualifications.

· Report concerning behavior. If you feel you’ve been misled by a talent or modeling search agency, file a complaint with BBB at bbb.org.

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

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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BBB Advises Consumers of New Payday Lender Laws

7/26/2011

Posted on 7/26/2011 by

BBB Advises Consumers of New Payday Lender Laws

State Legislature to require lenders to display fee information, obtain a license

AUSTIN, Texas - July 26, 2011 – While all eyes were on the budget this Legislative session, Texas passed two bills that may help protect consumers from scams involving payday loan scams.

House Bill 2592 requires lenders to provide certain disclosures to customers, such as fees and interest rates. Some of these fees can add up to an annual interest rate of more than 300 percent. Customers have found themselves owing much more than the initial cost of the loan.

House Bill 2594 creates a licensing requirement for car and payday loan providers. The new requirement will allow customers to check a lender out with the state before doing business.

Both bills will be effective Jan. 1, 2012.

To help consumers avoid high fees and scams, BBB offers the following tips:

- Beware of online lenders offering quick cash. Such lenders claim they are not bound by state and federal regulations and therefore, skirt many of the laws that protect consumers.

- Pay off the loan quickly. A $15 fee isn’t too high if you pay it only once. Extending the loan period means paying multiple fees, making it more difficult to pay down on the original loan amount.

- Do not pay a fee up front. Lenders asking for a fee before they provide the loan are not legitimate.

- Be wary of lenders asking for a wire transfer. The Texas Attorney General’s Office said scammers will ask for this type of payment rather than allowing you to mail a check to avoid an additional charge of mail fraud.

- Check the lender’s name closely. Scammers will also use a company name similar to that of a reputable lender. The AG’s office filed suit against a company calling itself City Mortgage, which had no affiliation with Citibank or CitiMortgage.

- If it seems too good to be true, it is. Companies claiming to offer a low interest rate regardless of credit are not trustworthy, according to the AG’s office. The National Foundation for Credit Counseling or the Consumer Credit Counseling Service in your area can help you consolidate debt or get a loan despite poor credit history.

- Check the company’s rating. Visit BBB.org to check out a company’s rating and customer complaints before dealing with a lender. Remember, the threat of identity theft is high since all lenders require personal information. Unscrupulous companies will use that to their advantage.

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Complaints Against Towing Companies Rise 55 Percent

7/25/2011

Posted on 7/25/2011 by

Complaints against towing companies rise 55 percent

Know your rights and expectations to avoid costly fees

AUSTIN, Texas - July 22, 2011 - In the past 12 months, Better Business Bureau received 95 complaints against local towing companies, a 55 percent increase from the previous 12 months. While the majority of these complaints were addressed by the company, the average towing fee consumers report paying was more than $700. Whether a vehicle is broken down and requires towing or is towed for illegal parking, BBB reminds consumers to research companies carefully and understand the necessary fees associated with a tow.

The most common complaint BBB receives against towing companies allege the consumer’s vehicle was towed from an area the consumer claims to have properly parked in. Other common complaints allege damage to vehicles during the towing process and additional, unexpected or misleading fees added to the final bill.

“Consumers don’t realize prices are not regulated across the board,” said Dana Gardiner, Executive Director of Texas Towing & Storage Association. “Some cities have their own regulated towing rates.”

Consumers who have their vehicle towed should consider the following BBB tips:

· Contact the towing company immediately. The company’s contact information should be displayed on a sign in the area where you parked. Retrieve your car as quickly as possible because many towing companies include a storage fee based on the amount of time a vehicle remains in their facility.

· Inspect your vehicle before leaving. Make sure there is no damage from the tow and any items you had in the vehicle are accounted for. Take pictures for proof in case you need to fill out an incident report.

· Ask for a detailed receipt. All fees rendered for towing and storing your vehicle should be itemized in writing. Review them carefully and ask for clarification before you pay.

· Avoid paying with cash. Vehicle storage facilities must accept payment by electronic check, credit card or debit card for any fee or charge associated with delivery or storage of a vehicle.

In addition to the tips above, BBB recommends consumers who are in need of towing services:

· Contact roadside assistance. Many vehicles and car insurance policies come with roadside assistance. Even if the towing services are not completely free, odds are the towing company will be one you can trust. If you don’t have roadside assistance, visit m.bbb.org on your smartphone to find trustworthy towing companies in your area.

· Ask to see proof the company is licensed. All towing companies must be registered with the Texas Department of Licensing and Regulation. Additionally, tow trucks must have a permit and drivers have to be licensed.

Consumers who feel their vehicle was wrongfully towed can file a complaint with BBB and the Texas Department of Licensing and Regulation. To check the reliability of a company and find trustworthy businesses, visit BBB.

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Online Rental Scams Target Renters and Landlords

7/20/2011

Posted on 7/20/2011 by

Online Rental Scams Target Renters and Landlords

BBB cautions consumers when using online websites to find a rental home

AUSTIN, Texas - July 20, 2011 – Within seconds of searching the Internet, potential home renters can find all the information they need about a possible new home, such as pictures, prices and virtual tours. However, such tools give scammers the perfect opportunity to take advantage of consumers. Better Business Bureau warns renters to be on the lookout for phony ads on Craigslist and other Internet services aimed at stealing money.

Consumers typically fall victim to these scams after responding to an online classified for a rental property. Victims say they are asked by the supposed landlord to wire money for the deposit and first month’s rent in order to receive the keys to the rental home. When asked if the renters can view the property prior to wiring money, the landlords claim to be out of the country and unable to show the house.

As a result of this scam, many shocked homeowners have received knocks at their doors from people who were planning to move into their new rental home. Often, the actual homeowners have their house up for sale — not rent — and have pictures posted online that the scammers steal for their phony listings.

BBB warns consumers of the following red flags:

·The deal sounds too good to be true. Scammers will often list a rental for a very low price to lure victims. Find out how comparable listings are priced. If the rental comes in suspiciously low, consider walking away.

· The landlord is located elsewhere and prefers to communicate via email. Scammers might say they have just been relocated out of the country for a job or missionary work. If the landlord is truly overseas, there is also no way to get a copy of a lease or keys.

· The landlord requires a substantial deposit before handing over the keys or even showing the property. Don’t pay any money before inspecting the home, inside and out. Most reputable Realtors will allow potential home renters to view and see the property before taking any money.

· The landlord asks the renter to wire money through services such as Western Union or Money Gram. Money sent via wire transfer service is extremely difficult to retrieve. Once the scammers have picked it up, there is little recourse, if any, for getting any money back.

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Scammers Steal Local Law Firm’s Name for Phishing Scam

7/14/2011

Posted on 7/14/2011 by
Scammers steal local law firm’s name for phishing scam

BBB warns consumers to protect themselves

WACO, Texas - July 14, 2011 – Scammers have recently been using the name of a local law firm in Killeen to trick victims into giving out bank information, credit card numbers and other private information. Better Business Bureau warns consumers against giving out personal information to unknown callers.

Victims report receiving calls from a person using a fake name and an untraceable phone number, who says he or she works with The Carlson Law Firm based in Killeen, Texas.

The caller, who usually has a heavy accent, claims the firm is suing the victim on behalf of a lender. The caller goes on to say the victim defaulted on a loan and demands payment and other personal information. Victims may not remember taking out such a loan, but some cases have been linked to security breaches at financial institutions.

There are other variations of this scam. Callers pretend to be lawyers or government officials collecting on a range of outstanding debts, from loans to traffic tickets. Should the victim refuse to pay, the scammers threaten anything from a lawsuit to arrest.

Hundreds of people around the country have reported falling victim to these types of scams. In order to protect your personal information, BBB offers the following tips:

· Demand proof. The caller should identify who they are and, upon request, provide you with a telephone number where you can speak to someone directly about the call. The caller should also have proof you incurred the debt.

· Avoid providing personal information. Do not provide or confirm any bank account, social security number, 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 or uses threats.

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Don’t let AC repairs leave you sweating for cash

7/8/2011

Posted on 7/8/2011 by
Don’t let AC repairs leave you sweating for cash

BBB offers tips to keep consumers cool this summer

Austin, TX - July 8, 2011 — With temperatures hovering in the 100s, going without air conditioning during a Texas summer is not a favorable option. However, rushing to find an AC contractor can burn a hole in your wallet instead of keeping you cool. BBB finds that now is the time consumers are most in need of reputable AC contractors.

Some of the most common mistakes consumers make when looking for an AC contractor is hiring the first contractor they find, not doing the proper research and not getting all the details of their service repair in writing.

If you are need of an AC repair or just following through on a recommended check-up, BBB recommends the following when looking for an AC contractor:

· Research company background and licensing. Visit www.BBB.org for the Business Review of any AC service company you plan to hire to learn more about its reputation and history of complaints. Ask if the company and its employees are licensed and insured.

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Local BBB Proudly Partners with CPS Energy and City of San Antonio

6/30/2011

Posted on 6/30/2011 by
Local BBB Proudly Partners with CPS Energy and City of San Antonio

Partnership Supported by Federal Grant to Improve Energy Efficiency

San Antonio, TX - June 30, 2011 – BBB is proud to announce a partnership with CPS Energy and the City of San Antonio to launch the new CPS Energy Savers program. Funded by a $10 million grant secured by the City of San Antonio, the new program is part of the Department of Energy’s (DOE) Better Buildings initiative and intended to help local businesses and homeowners reduce costs by finding new cost-effective energy solutions.

“As BBB continues to serve its community of consumers and trustworthy businesses, we understand the need to reduce costs and improve energy efficiencies,” says Carrie A. Hurt, BBB President and CEO. “We are pleased to be a partner in the Better Buildings program and help consumers and businesses find trustworthy companies.”

The CPS Energy Savers program will create efficiencies for homeowners and businesses in San Antonio by offering energy audits to customers operating within the local CPS Energy service territory. The audits will evaluate the home or building’s lighting, HVAC systems and more, resulting in a customized energy savings estimate and efficiency recommendation report.

Following the audit, program participants will have access to financing options, rebates, expert advice on efficiency measures, and local contractors. BBB will specifically serve the program as the trusted resource for providing and locating local contractors to execute the recommended home and building improvements.

The DOE’s Better Buildings initiative is expected to save up to $50 million nationwide in annual energy costs by creating significantly greater energy efficiency in existing buildings. For more information about the CPS Energy Savers program, click here.

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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5 Ways to Prepare for Using a Collective Buying Site

6/29/2011

Posted on 6/29/2011 by

Collective buying websites offer group discounts for online purchases. According to Groupon, one of the first collective buying sites, over 46 million transactions have resulted in more than $1.9 billion in savings on their website since November 2008.

Collective buying websites typically offer consumers daily discounts for products, services or gift cards redeemable at local businesses. Some deals only go into effect if enough consumers sign up to buy it, encouraging an increase in sales volumes. Other sites will make the deals available upon purchase with a specific expiration date to encourage a shorter sales cycle.

If your business is looking to test a new product or service, or has additional inventory to move, a coupon deal with a collective buying website can help you draw attention from local customers. But because there is risk for over discounting your products, BBB recommends business owners carefully evaluate the opportunity and prepare by considering the following tips.

1) Check with BBB
Businesses generally complain to BBB when advertisers fail to deliver on their promises. Research any collective buying website at bbb.org to make sure it is in good standing with BBB and has no past advertising issues.

2) Make sure you can afford the discount
Most coupons or deals offer at least a 50% discount on your products and services. On top of that, the collective buying websites typically require a share of the revenue brought in by each deal. This combination could cause your business to only break even, or possibly lose money if enough consumers use the discount.

3) Decide how many customers your business can handle
Because of the popularity of collective buying websites, your deal may lead to more customers than you can serve. Be sure to specify the maximum number of coupons that may be bought so your potential customers do not have to wait weeks or months to use their deal.

4) Read the fine print
Understand the terms and conditions associated with being featured on the collective buying website. Some list several deals per day, while others exclusively display one discount. Additionally, many collective buying websites target specific cities, so make sure you know the full reach your business will have and any competition you may be up against.

5) Verify the refund policy
Know all stipulations before signing an agreement. If you change your mind before the deal is set to run, can you get your money back? Is there a partial refund if the deal is canceled due to lack of interest from consumers?

Remember, your BBB Member Pages listing is free to you as a BBB Accredited Business and offers the option of a coupon advertisement as an enhanced listing. For more information on this promotion, contact Accredited Business Services at 512.445.4748.

Don’t Let the Summer Sizzle Slow Down Business

6/29/2011

Posted on 6/29/2011 by

BBB Offers 5 Tips to Avoid a Summer Slowdown

Many businesses experience a downturn in production during the summer months as employees and clients take vacations. At the same time, energy and fuel costs typically rise, creating larger bills for businesses. BBB recommends taking advantage of the summer slowdown in production, as it can free up valuable time to pursue new and innovative opportunities for your business. Even if your business thrives during the summer crunch, there is always room to grow and ways to save money.

BBB has five simple ideas you can use to accomplish new goals without breaking a sweat or your budget during the summer slowdown:

1) Consolidate Trips to Save Gas
Include all errands you have into one out-of-office trip. If your company has service technicians, schedule jobs according to the most direct routes.

2) Ask for Staff Input
Take advantage of ideas your employees may have for improving your business by asking for their opinions. Anything that helps your staff function more efficiently is great for business, and all it requires is an open mind and a willingness to listen to their input.

3) Hunt for Bargains
If you have been waiting to purchase new office equipment, the summer is a great time to shop around. Suppliers may offer summer savings to generate new sales, and you can even negotiate for additional features or service plans.

4) Research New Ideas
Whether that includes tweaking your company’s health care plan, looking into additional locations for expansion or simply testing a new marketing venture, now may be the best time to devote extra hours to exploring these opportunities.

5) Hire an Intern
Local universities and high schools are great sources for finding young professionals looking for summer internships. The extra help may allow you to hand off general office duties or data entry work, while you focus on growing your business. Interns can also reduce the workload of your staff while other employees are on vacation.

For more business tips and resources, visit http://centraltx.bbb.org/events-calendar to see our upcoming trainings and events.

Electronic Buy-Back Programs May Come With Drawbacks

6/29/2011

Posted on 6/29/2011 by

Electronic Buy-Back Programs May Come With Drawbacks

BBB Explains Pros and Cons of Retail Buy-Back Programs

Austin, TX - June 29, 2011 – As technology products are constantly being replaced with updated models, consumers are tempted more and more to participate in retailer buy-back programs which allow replacing your old electronic device with its most recent version. Typical buy-back programs include a one-time fee paid upfront at the time of your original purchase of your electronic gadget. To avoid falling short of owning the latest technology, many consumers opt-in to a buy-back program to ensure their gadget does not fall victim to digital dust.

As long as your gadget is in good condition, most retail buy-back programs allow consumers to trade-up items such cell phones, laptops, tablets and televisions for a percentage of the old gadget’s current value. Usually, this credit will come in the form of a gift card which can be used toward the purchase of a newer model.

BBB advises consumers to review the following before participating in a retail buy-back program:

- Review the terms and conditions. Buy-back programs will vary store to store and depending on your electronic device. Before participating, be sure to read the fine print.

- Keep original packaging. Most buy-back programs require the original packaging at the time of exchange. If original receipts, power cords and manuals are lost, your buy-back may not be honored.

- Mobile phone contracts are not covered. When dealing with a cell phone, your cell phone provider may continue to bill you for your monthly service charges.

- Do not compromise your identity. Many electronic items, such as a smartphones or laptops, can hold a ton of personal information. Before selling your electronics back to the retailer, wipe out your personal information and keep your SIM card.

- You might be able to get more for your electronic gadgets elsewhere. Many consumers use sites like eBay and Craigslist to sell their gadgets. In many instances, these sites will offer more for used electronics than opting for a retailer’s buy-back program.

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

About Better Business Bureau:

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

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

Contact BBB serving Central, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

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Don’t Be Fooled by High Pressure Door-to-Door Sales this Summer

6/24/2011

Posted on 6/24/2011 by

Don’t Be Fooled by High Pressure Door-to-Door Sales this Summer

Be Wary of Aggressive Door-to-Door Salespersons Showing Up at Your Door

Austin, TX - June 24, 2011 – Summer is here and BBB warns that consumers could be visited by salespeople who may turn up the heat with high pressure sales tactics and misleading offers.

Every year during June, July and August, consumers routinely file complaints with BBB against businesses that employ door-to-door sales representatives. Many of these complaints stem from the aggressive selling techniques used by company employees. Some examples of these high pressure sales tactics include aggressive and persuasive rebuttals to your concerns, deep discounts offered upon immediate payment, and refusal to take “no” for an answer.

While many businesses utilize these door-to-door marketing tactics, BBB reports the following industries consistently garner a high number of complaints during the summer months:

Alarm Systems: Consumers complain sales representatives offer special deals that are not reflected in the final contract. Often times, these deals include additional charges for system monitoring, failing to include a promised discount or additional fees for equipment. Nearly 3,500 consumers have requested information about alarm companies from BBB this year alone.

Magazine Subscriptions: Over 600 complaints have already been filed with BBB in 2011 against companies selling magazines door-to-door. The most common complaint involves consumers paying for magazines they never receive. Furthermore, several consumers allege the sales representative misled them by claiming to work for a local school or charity on a fundraiser

Food Products: Sales representatives knock on doors selling produce or meat products, claiming their prices are much lower than grocery stores. Consumers complain to BBB that their orders never arrive, or are not of the high quality originally promised.

BBB recommends the following if visited by a door-to-door sales representative:

· Do not answer the door. Do not open the door unless you know who is knocking.

· Be wary of high pressure sales tactics. A trustworthy company should let you take time to think about the purchase and compare prices before buying or putting down a deposit.

· Confirm the business is registered and licensed. Ask the salesperson to provide the business registration and licensing information.

· Research the company with BBB. Visit bbb.org to view the company’s Business Review to find out more about the company’s marketplace performance. If you have a smart phone, you can visit m.bbb.org to access the company’s report while the person is standing at your door.

· Get transaction details in writing. Be sure you receive a contract or receipt explaining the details of your purchase and all the terms and conditions that apply.

· Remember the “Three-Day Cooling-Off Rule.” The Federal Trade Commission’s Three-Day Cooling-Off Rule allows consumers 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, the salesperson should always provide a cancellation form that can be sent to the company to cancel the purchase within three days. By law, the company must give consumers a refund within 10 days of receiving the cancellation notice.

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

About Better Business Bureau:

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