Protect your privacy, safety, and security online – National Consumers League

Computers and the Internet have changed our lives in many ways: how we keep in touch, learn, work, shop, pay bills, and even keep track of our accounts. But with the advantages come risks; your computer contains sensitive information, and it’s up to you to protect it!

  • Install anti-virus and anti-spyware software to protect against malicious programs that may be planted in emails, documents, or Web sites – programs that can damage your computer, capture information such as your passwords, or cause other harm. Set them to run automatically and update them regularly.
  • Use a strong firewall to keep intruders out of your computer.
  • Patch it up! Keep your software current with the free patches offered by manufacturers to fix flaws. If your system automatically notifies you about new patches or security upgrades, don’t delay — download them immediately.
  • Keep a lid on your personal information. Only provide your passwords, account numbers, or answers to security questions when you are sure who you’re dealing with and why they need the info. Talk to your kids about privacy and monitor their online activities. Take advantage of parental controls that software manufacturers and Internet service providers may offer.
  • Don’t click on links in emails asking for your personal information. They may lead you to fake versions of legitimate Web sites, where criminals hope you’ll hand over your personal information.
  • Never enter your information in a pop-up screen. They may be planted on legitimate Web sites by identity thieves.

Debit cards: Know how to use them – National Consumers League

Debit cards are convenient and safer to carry than cash, and they’re more widely accepted by merchants these days than personal checks. But just because they look and feel like a credit card doesn’t mean they work exactly like one, and not understanding the differences could cost you.

Follow this advice, and read NCL’s brochure, Debit cards: Beyond cash and checks

  • Know your balance, and know what overdraft fees you’ll face if your bank lets you withdraw more than you have. When making a purchase with a debit card, make sure there’s enough money in your account to cover it. Deduct debits from the balance in your check register promptly.
  • Don’t forget about checks you’ve already written. Even if they haven’t cleared yet, consider that money gone.
  • Know if there’s a cost for using the card. Some card issuers charge monthly or even per-transaction fees that are automatically deducted from your account.
  • Notify the issuer immediately if the cost is lost or stolen. Under federal law, the amount you could lose if someone uses your debit card depends on how quickly you report the loss once you discover it. Your card issuer may have “zero” liability policies that give you extra protections.

Going once, going twice … scammed! – National Consumers League

For more than a decade, online auctions have been one of the top-reported frauds to NCL’s Fraud Center. Both buyers and sellers can benefit from online auctions; many people make their living selling items online, and millions of consumers have had positive experiences making purchases. But there are many risks as well, and both buyers and sellers can take steps to avoid becoming a Fraud Center statistic.

  • Understand how the auction works. Many online auctions simply list items that people want to sell. They don’t verify that the merchandise actually exists or that it is described accurately, and they can’t guaranty that the sellers will keep their promises.
  • Check out the seller before you bid. Some auction sites have feedback forums with comments about the sellers based on other people’s experiences. Be aware that positive reports may have been “planted” by the seller and negative comments could be from a competitor. Other sources of information are state or local consumer protection agencies and the Better Business Bureau. Negative information is a good warning sign, but a clean complaint record doesn’t guarantee that your transaction will go smoothly.
  • Be careful if the seller is a private individual. Many consumer protection laws don’t apply to private sales, though government agencies may take action if there are many complaints the same individual or criminal fraud is involved.
  • Be especially cautious when dealing with sellers in other countries. If you have a problem, the physical distance, difference in legal systems, and other factors could make resolving it very difficult.
  • Beware of “shills.” The seller may try to raise the price artificially by making bids under fictitious names or recruiting other people to make bids. Using bogus bidders is illegal and a violation of online auction policies.
  • Get the name and contact information of the seller. The name, physical street address, email address, and phone number are helpful to have for checking the seller out and following up later if there is a problem. Don’t do business with anyone who refuses to provide that information.
  • Be wary of claims about collectibles and other expensive items. Since you can’t examine the merchandise or have it appraised until after the sale, don’t assume that claims about its condition or value are true, or that photographs are accurate. Print out and save the description and any photos to document the claims that were made.
  • Ask about delivery, returns, warranties and service before you pay. Get a definite delivery time and insist that the shipment is insured. Ask about the return policy. If you’re buying electronic goods or appliances, find out if there is a warranty and how to get service.
  • Look for information on the auction site about insurance. Some auction sites provide insurance that covers buyers up to a certain amount if something goes wrong. Others may have links to third-party programs that offer insurance for a fee. Read the terms of the insurance carefully. There is often a deductible, and there be other limitations or requirements that apply. For example, you may not be covered if the seller had a negative feedback rating on the auction site at the time of the transaction.
  • Pay by credit card. Under federal law, you can dispute the charges if you paid the seller with a credit card and the goods were never delivered or if they were misrepresented. If you are paying through an intermediary service, ask what happens in the case of disputes.
  • Look for bonded sellers. Some sellers are bonded through programs that have investigated their business backgrounds and credit histories and guaranty your money back if they don’t fulfill their promises. Click on the program symbol to learn how the bonding program works and verify that the seller is a member in good standing.
  • Consider using an escrow service for expensive purchases that aren’t covered by insurance or bonding. For a small fee, an escrow service takes your payment and forwards it to the seller once you confirm satisfactory delivery.  If there is a dispute, the escrow service may act as a referee.  Ask if the service is licensed and bonded, and how you can confirm that with the appropriate agency.
  • Try mediation to resolve disputes. Not all problems are due to fraud. Sometimes people simply fail to hold up their side of the bargain in a timely manner or there may be a misunderstanding about something. Some auction sites provide links to third-party mediation services that help people resolve disputes. There may be a small fee that is usually paid by the party who requests the mediation.
  • Inform auction sites about suspected fraud. They may have policies to remove sellers from their sites if they use “shills” or don’t live up to their obligations.

Phishing scams: Don’t take the bait! – National Consumers League

“Phishing” is when identity thieves try to trick you into providing your personal information by pretending to be someone they’re not. A phishing scam involves sending spam or pop-up messages to lure credit card numbers, Social Security numbers, passwords, or other sensitive information from Internet users.In phishing scams, ID thieves trick people into providing their Social Security numbers, financial account numbers, PINs, mothers’ maiden names, and other personal information by pretending to be someone they’re not. Follow this advice from NCL, and read our brochure about phishing, to avoid falling victim.

  • Watch out for “phishy” emails. The most common form of phishing is emails pretending to be from a legitimate retailer, bank, organization, or government agency. The sender asks to “confirm” your personal information for some made-up reason: your account is about to be closed, an order for something has been placed in your name, or your information has been lost because of a computer problem. Another tactic phishers use is to say they’re from the fraud departments of well-known companies and ask to verify your information because they suspect you may be a victim of identity theft! In one case, a phisher claimed to be from a state lottery commission and requested people’s banking information to deposit their “winnings” in their accounts.
  • Don’t click on links in emails asking for your personal information. They may lead you to fake versions of legitimate Web sites, where criminals hope you’ll hand over your personal information.
  • Never enter your information in pop-up screens. They may be planted on legitimate Web sites by identity thieves.
  • Beware of “pharming,” con artists secretly planting programs in your computer to hijack your browser and take you to phishing sites, even when you type in the Web address yourself!
  • Keep malicious messages and programs that could be used by phishers out of your computer with a spam filter, up-to-date anti-virus and anti-spyware software, and a strong firewall.

For more tips about phishing, go to www.phishinginfo.org.

Think you’ve been a victim of ID theft? – National Consumers League

It’s frightening to lose your wallet or discover that someone has used information about you for a fraudulent purpose. Don’t panic — help is available. You will need to remain calm, cool, and collected as you go through the process of resolving the problem.Know that ID theft is a crime.

The federal government and many states have enacted specific laws against ID theft.

You can get detailed advice by calling the Federal Trade Commission’s ID Theft Clearinghouse toll-free at 877-438-4338 or going to www.consumer.gov/idtheft. You can also provide information about your problem, which will help law enforcement agencies investigate and track ID theft. The FTC will send you a free booklet, “ID Theft: When Bad Things Happen To Your Good Name,” or you can get it online. There are other steps that you might want to take right away.

If you believe that someone is using your identity illegally, report the crime to a law enforcement agency. It isn’t always possible for agencies to investigate every case, but making an official “identity theft report” can help you solve problems resulting from the ID theft. The “identity theft report” must be a document that subjects the person filing it to criminal penalties for providing false information. This is intended to discourage people from filing phony reports to try to avoid paying legitimate debts, not to prevent legitimate ID theft victims from reporting the crimes. You can report the crime to:

  • The police department where the theft occurred
  • Your local police
  • A state or federal agency, including the U.S. Postal Inspection Service (do not use a complaint to the FTC as an official identity theft report).

When a financial account is involved, contact the bank immediately. If your credit card, debit card, ATM card, or checks have been lost or stolen, or if you suspect that someone has obtained your account number for fraudulent purposes, inform the financial institution promptly and ask what you need to do to protect your money.

Know your payment rights. Under federal law, you are not responsible for more than $50 if someone uses your credit card without authorization, and most issuers will remove the charges completely if you report the problem as soon as you discover it. While your losses could be greater if someone uses your debit card, the card issuer may have a policy that offers you more protection than federal law provides. You can contest checks that have been used with your forged signature or unauthorized withdrawals from your bank account.

Respond quickly to debt collectors. If debt collectors contact you about accounts opened in your name or unauthorized charges made to your existing accounts, respond immediately in writing, keeping a copy of your letter. Explain why you don’t owe the money and enclose copies of any supporting documents, such as an official identity theft report. You have the right to ask the debt collector for the name of the business that is owed the debt and the amount owed. And you have the right to ask that business for copies of the credit applications or other documents relating to any transactions that you believe were made by the ID thief.

Put a fraud alert in your credit files. This will oblige creditors to take extra precautions if someone applies for credit in your name to verify that it’s really you. There are two kinds of fraud alerts. An “initial fraud alert” does not require you to provide a copy of an official “identity theft report” and stays on your credit records for at least 90 days. This is the kind of alert to use if you think you might be a victim but you’re not sure – for instance, if you lost your wallet or you find out that someone has gotten access to the customer records at a place you do business. An “extended fraud alert” should be placed when you have reason to believe that someone has illegally used your identity. You must provide a copy of an official “identity theft report” to request an extended fraud alert, which will stay on your credit records for 7 years. If you put an initial fraud alert on your files, you can always request an extended alert later if the situation warrants it. Just contact one of the three major credit bureaus to place the fraud alert; it will be shared automatically with the other two: Equifax, 800-525-6285, TDD 800-255-0056, www.equifax.com; Experian, 888-397-3742, TDD 800-972-0322, www.experian.com; TransUnion, 800-680-7289, TDD 877-553-7803, www.transunion.com.

Get free copies of your credit reports. When you file a fraud alert, the credit bureaus will contact you with information about how to get free copies of your credit reports. If you filed an initial fraud alert, you are entitled to one free copy of your credit report from each of the bureaus. If you filed an extended alert, you will be able to get two copies from each of the bureaus, one right away and the other within 12 months. This will help you monitor your account for problems. Since the information at the credit bureaus may be different, be sure to get your reports from all three.

Follow the instructions to dispute any accounts you didn’t open, charges you didn’t make, or other information that isn’t accurate. Be specific about any information that you believe is the result of the ID theft. You can permanently block that information from your credit files; you will be asked for a copy of your official identity theft report to do so. As with fraud alerts, you only need to report problems with your credit reports to one of the bureaus, and it will share that information with the other two (see contact information above).

Keep checking your credit report regularly. A new federal law entitles all consumers to ask each of the three major credit bureaus for free copies of their reports once in every 12-month period. This free annual report program started in late 2004 and is being phased in gradually across the country, from West to East. Go to www.ftc.gov/credit or call 877-382-4357 for more details and to see when you can make your requests. You don’t have to ask all three credit bureaus for your reports at the same time; you can stagger your requests if you prefer. Do not contact the credit bureaus directly for these free annual reports. They are only available by calling 877-322-8228 or going to www.annualcreditreport.com. You can make your requests by phone or online, or download a form to mail your requests.

Your state law may also entitle you to free credit reports. Ask your local consumer protection or state attorney general’s office. Any rights your state law gives you are in addition to your rights under federal law.

Be cautious about offers for credit monitoring services. Why pay extra for them when you can get your credit reports for free or very cheap? Read the description of the services carefully. Unless you’re a victim of serious and ongoing identity theft, buying a service that alerts you to certain activities in your credit files probably isn’t worthwhile, especially if it costs hundreds of dollars a year. You can purchase copies of your credit reports anytime for about $9 through the bureaus’ Web sites or by phone: Equifax, 800-685-111; Experian, 800-311-4769; TransUnion, 800-888-4213.

Protect your identity – National Consumers League

How would you feel if you were stopped for a traffic violation and suddenly found yourself being handcuffed and taken to jail for a crime you never committed? Or if you got a nasty call from a collection agency for a car loan you never had? Or if your application for a home mortgage was turned down because of information in your credit report about overdue bills on accounts you never opened?These are situations you could face as a victim of identity theft. While ID theft can take many complex forms, the essence of this crime is simple—someone steals personal information about you to use for fraudulent purposes.

ID theft can happen to anyone. By guarding your personal information carefully, you can reduce the likelihood of becoming a victim. But you may not be able to avoid ID theft entirely; it can happen in ways beyond your control. Businesses, government agencies, and organizations that obtain personal information also have a responsibility to handle it carefully and keep it secure.

If you do become a victim of ID theft, there is help available to guide you step-by-step through the procedures that you will need to take to resolve the problem.

Avoid falling victim to identity theft by following this routine:

  • Check credit reports annually and before major purchases.
  • Check bank and credit card statements regularly and report unauthorized transactions immediately.
  • Carry only the credit cards, checks and identification you need.
  • Safeguard your Social Security Number.
  • Don’t give out personal information unless you know the recipient.
  • Pick up receipts from ATMs, restaurants, and stores.
  • Protect your Personal Identification Numbers and never carry them with you.
  • Use strong passwords to protect sensitive information. Don’t use information like birthdays or pets’ names.
  • Shred important documents before discarding them.
  • Destroy expired or unneeded cards.
  • Keep firewall, anti-virus, anti-spam and anti-spyware software current on your computer. Don’t respond to requests for personal information from unsolicited email or pop-ups.

Tread carefully with money transfer services – National Consumers League

Money transfer services make it easy to wire cash quickly and conveniently to friends and relatives — but crooks may take advantage of these services to get money from their victims!

  • Scammers may ask for payment through money transfer services because it’s fast. Unlike checks and credit card payments, the money is often available within minutes. That means that a fraud victim may not be able to stop the payment before it’s received. Because the money is usually picked up in cash and in person, it can be difficult to recover.
  • Common scams to watch for are bogus sweepstakes and lotteries, false promises of credit cards and loans, fraudulent online auction sales, work-at-home and other money-making schemes, and offers to transfer foreigners’ “fortunes” to victims’ bank accounts.
  • Crooks also befriend people on dating service sites and in online chat rooms. They ask to “borrow” money for medical problems or other emergencies, or to come to the U.S. from another country. Once they get it, the “friendship” ends. People who lost a pet or other valuable item are sometimes contacted by criminals who, posing as good Samaritans, ask for money to ship it back.
  • One of the fastest growing frauds is the fake check scam. If you receive payment and are asked to send part of it to someone through a money transfer service, don’t do it.
  • New frauds emerge every day, but no matter what the pitch is, if someone you don’t know asks for payment through a money transfer service, don’t do it.

Stop calling me! Remove your name from marketing lists – National Consumers League

Are you inundated with junk mail? There are ways consumers can remove their names from marketing lists – and avoid getting on them in the first place.

Are you inundated with junk mail? There are ways consumers can remove their names from marketing lists – and avoid getting on them in the first place.

  • Don’t provide information that isn’t necessary for the transaction. Don’t just fill in the blanks without thinking about whether you want to limit the information you supply.
  • Be anonymous. Consider using online tools and fictitious names in situations where your real identity isn’t needed and there is no other option to avoid getting on marketing lists.
  • Think twice before entering contests. Entry forms are often used to build marketing lists.
  • Know the privacy policy. If you don’t see anything about what personal information companies collect and how they use it, ask.
  • Understand your privacy choices. If there is no privacy policy or it doesn’t allow you to avoid unwanted marketing, take your business elsewhere.
  • Know when your personal information is being collected. Be aware of Automatic Number Identification and other ways that your information may be collected and tell the company if you don’t want to be put on a marketing list.
  • Understand that unlisted and unpublished phone numbers don’t guaranty privacy. Marketers may get your number if you’ve given it to others or they may simply dial you randomly.
  • Know your telemarketing rights. Federal law allows you to tell marketers not to call you again. Check with your state attorney general’s office to find out if you also have “Do Not Call” rights under state law.
  • Know your financial privacy rights. Federal law requires financial institutions to tell you what information they collect and how they use it, and allows you to request that your personal information not be shared with unrelated companies. Check with your state attorney general’s office to find out if you also have financial privacy rights under state law.
  • Know your medical privacy rights. Federal regulations limit how your health information can be used and shared with others for marketing purposes. Check with your state attorney general’s office to find out if you also have medical privacy rights under state law.
  • Your state may protect you against “spam.” Some states have enacted laws about unsolicited emails. Check with your state attorney general’s office.

Get off the lists!

Contact the major credit Bureaus. Call (888) 567-8688 to get off marketing lists for preapproved credit and insurance offers with all of the major credit bureaus (this does not affect your ability to apply for credit or insurance).

Contact the Direct Marketing Association. Get off the mailing, telemarketing and/or email lists of many major marketers:

Removal from mailing lists – write to: Mail Preference Service P.O. Box 9008 Farmingdale, NY 11735-9008 Or visit: https://www.the-dma.org/cgi/offmailinglistdave

Removal from phone lists – write to:
Telephone Preference Service
P.O. Box 9014
Farmingdale, NY 11735-9014
(include your phone number)

Or visit: https://www.the-dma.org/cgi/offtelephonedave

Removal from email lists – visit: https://www.e-mps.org/picklang.html

Pyramid schemes posing as business opportunities – National Consumers League

The pitch is that you’ll make money by joining the program and recruiting others. The reality is that in pyramid schemes, you and your friends will lose money, not make it.

Here’s how to protect yourself

Take your time — don’t let anyone rush you into a decision. Legitimate opportunities will not disappear overnight.

  • Review the compensation plan and be sure you will be paid based primarily on the sale of products by you or members of your network.
  • Minimize your risk. Most legitimate multilevel companies require little, if any, up-front payment, and offer to repurchase your inventory for at least 90 percent of what you paid if you decide to leave the business.
  • Ask questions, verify all information, get written copies of all company literature, and consult with others who have experience with the company.
  • Pyramid schemes promise easy mney. You pay to join, convince others to do so, and you’ll get a cut of the payment from each new member. The truth is, all such schemes are losers and collapse when members realize they’re not making the money they were promised.
  • Sometimes pyramid schemes claim to be multilevel marketing plans (MLMs), which use networks of independent distributors to sell their products. The key difference is legitimate MLMs sell goods or services to consumers and compensation comes primarily from those sales, not from membership fees or the recruitment of new participants.
  • Pyramid schemes are illegal. People who participate in them are subject to fine and/or imprisonment in all 50 states and under federal law.

Download NCL’s brochure, Pyramid Schemes: Don’t let one collapse on you.

Considering a visit to a retail health clinic? – National Consumers League

Retail health clinics have been popping up all over the United States in recent years. Many consumers find them appealing for their conveniences, but critics question the quality of care and are concerned about their impact on the traditional doctor-patient relationship.

As the United States is facing an increasing shortage of primary care physicians, Americans are turning to other sources of primary care. One delivery model that has attracted growing attention is the retail clinic, which focuses on providing convenient and accessible services at lower, easy-to-understand costs. These clinics are expanding rapidly across the country, from fewer than 100 in 2005 to thousands today.

These clinics are typically located in large retail settings, such as drug stores or big box stores. They are staffed largely by physician assistants or nurse practitioners, who can write prescriptions and have phone access to physicians. The growth of retail health clinics has been limited to parts of the country with legal frameworks that enable such clinics to deliver care and prescribe medication. The care offered through these clinics is restricted to a limited number of generally minor and easily treatable illnesses such as strep throat or urinary tract infections. Retail clinics often provide school and camp physicals, flu shots, and cholesterol checks.

The growth of retail clinics in America has generated debate on how they deliver health care to the consumer. The retail clinic provides convenience to the consumer by with extended weekend hours, central locattions, and fast service with an average wait time of less than 15 minutes – with no appointment necessary. Also many of the clinics post the cost of their services clearly for patients. However, critics argue that there are problems with quality of care due to staffing issues, continuity of care, and there is concern about how the clinics might impact the traditional doctor-patient relationship.

As retail clinics expand, state legislatures have taken a variety of approaches to regulating them. Some states are expanding the scope of practice for nurse practitioners, while others are moving for greater involvement by physicians. A handful of states require that physicians be on-site to support the nurse practitioners. Still other states such as Pennsylvania and California have called for expanding the scope of practice of nurse practitioners, including increased autonomy at retail clinics. Many states have seen bills aimed at additional regulation of clinics. Specifically, a few states have proposed laws restricting clinics by prohibiting the provision of medical services where tobacco is sold.

Given the complexities of the issue, we believe stakeholders will benefit from the opportunity to engage in an open and balanced discussion. NCL has found that multi-stakeholder forums help both consumers and policy makers navigate complex issues. Along with a final report on the forum, NCL will develop consumer education, including factors to consider when visiting a retail clinic. NCL will also summarize the issues state and federal policy makers and regulators should be considering as clinics expand. The report and consumer education pieces will be posted to the NCL website, and NCL will distribute the report to appropriate policy makers.

Thinking about visiting a retail health clinic? Start here with these FAQs

When should I use a retail health clinic?

Retail clinics are designed for providing basic services – cold, flu shot, strep test, etc. Retail clinics are intended for non-emergency and non-urgent use. Often a nurse practitioner or physician assistant provides the care.

Will my health insurance cover my visit to a retail health clinic?

Contact your insurance company to determine if the services are covered BEFORE you go. Ask the retail clinic if there are any other fees. Oftentimes, the fees-for-services are listed as they will be charged, while other times additional procedures might result in additional fees.

How will I know whether a clinic is legitimate?

The Convenient Care Association certifies its member clinics based on a variety of conditions, but not all retail clinics are members of the Association. You have the right to know whether or not a clinic and its practitioners are legitimate. Check to see if the clinic – or at least its practicing providers – are accredited or certified and don’t use their services if the clinic is not certified. Don’t be afraid to inquire about the practitioners’ licensing and certification to ensure that the clinic is legitimate.

What should I tell the retail clinic?

Be sure that you provide whoever cares for you with a detailed medical history – any conditions you may have, medications you may be taking, reactions to medications, past surgeries, history of treatment for disease, allergies, etc.

What should I tell my primary care provider?

Be sure to communicate back to your doctor anything that was prescribed or diagnosed while at the clinic. Get a report form the clinic and take it back to your doctor. And if you take a child, always report back to your pediatrician.

What if I don’t have a primary care provider?

Many of those who visit a retail clinic report that they do not have a primary care provider.

While a retail clinic can provide some basic services when you are in a pinch, it is best to have a primary care provider who knows and understands your entire health history and not just a single condition or ailment.