Fraud: An Inside Look | Federal Trade Commission

Helps consumers understand how easy it is to be conned–and how to avoid fraud. Real consumers, who fell for the pitch, tell their stories and a former scammer gives an insider account of how these operations use high-pressure tactics and how consumers can protect themselves.

The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers’ interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies.

Comment Moderation Policy
We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won’t routinely review or edit any comments before they are posted, but we will delete any comments that:
1) contain spam or are off-topic
2) use vulgar language or offensive terms that target specific groups or contain personal attacks
3) are sales pitches, promotions, urls or links to commercial sites
4) spread clearly misleading or false information
5) include personal information, like home addresses
Video Rating: / 5

New York AG Andrew Cuomo announced a million settlement involving a major health insurance company and a firm that sets “out of network” costs for insurees. Randall Pinkston reports.
Video Rating: / 5

Locate Wrongful Discontinuation Attorneys Chicago

Law Offices of Justin London, 1920 N. Maud, Ste. A, Chicago, IL 60614
Phone: -LRB-773-RRB- 528-1433 Email: Justin London devoted

to give you best services in your budget and also follow your time limit. Wrongful Termination Attorneys Chicago job diligently to address your issues and protect your count on. A lot more< a href="" > Consumer Scams Articles

Cool Customer Fraud images

Some cool customer fraud images:

Linens-n-Things Fraud
customer fraudulence
Image by ATIS547
close-up of item and bill

UPDATE: Reaction from Linens-N-Things:
With respect to Linens ‘n Things, I apologize regarding behavior you discovered unprofessional or miscommunication you may have experienced. But our supervisors are well versed within advertisements therefore the interpretations of these. Once more, I apologize for inconvenience. Sincerely,
Jody Mege’

I’d answer Jody the problem isn’t convenience, it is fraud. Deceptive marketing and advertising isn’t inconvenient, it really is immoral and unlawful.

This looks like fraudulence: At 4:30pm February 17, 2008, in Rohnert Park, CA, the Linens-n-Things supervisor — "Max" — reported within cash register your 50percent off bargain couldn’t connect with my "Shower "Curtain / Liner" since the "Shower Essentials" known in advertisement together with store signs was the BRAND "Shower Essentials," and not simply any bath crucial. Maximum followed me returning to the shower section, and ended up being obligated to concur that there have been no "Shower Essentials" branded products in the shop. Since the marketing and advertising circular pictured right here claims that we could "Choose from over 100 types," it absolutely was clear also to maximum the offer had not been therefore restricted.

Then maximum changed his story, and stated the 50% discount could be available only for a "shower curtain liner" that was the actual text regarding shop indication, or, if you were to think the advertising circular pictured right here, a "Liner." My item was known as, as you can see above, a "Shower Curtain / Liner".

I inquired Max if he honestly implied that my "Shower Curtain / Liner" was not a "Shower Curtain Liner"? He stated that is right. Therefore I pointed to another rack up, which had an equivalent item labeled as a "Shower Curtain or Liner" — ended up being that, too, excluded from the offer for "Shower Curtain Liners"? Maximum verified that discount could not connect with that item. Both "Shower Curtain / Liner" therefore the "Shower Curtain or Liner" had been actually within ins of this indication offering a price reduction on "Shower Curtain Liners."

Max will never i’d like to take a photograph of this signs and services and products in juxtaposition. Indeed, he threatened to really have the police escort me from the store easily took a photograph. And so I asked whether maximum would sign a statement asserting their position that I was ineligible to get the guaranteed discount because a "Shower Curtain / Liner" is not a "Shower Curtain Liner" or a "Liner." Maximum refused. I asked Max if he would tell me his last name. Max declined.

Well, you can see from shop receipt pictured here that maximum and Linens-N-Things got the whole .99 regarding my wallet, and kept on their own the rebate promised by the advertising as well as the store sign. You-know-what’s truly unusual? I also asked on register if the 20percent rebate had been offered — it’s pictured into the flyer above, merely to the remaining for the 50percent offer. It states, "SAVE 20percent — whole Stock steel Bath Acessries & Shower Curtains." Nope, stated the cashier, that 20per cent discount actually available to you — it’s only for shower curtains, and everything you have actually is a liner.

Unusual but real. Therefore, exactly what do we have right here?
A) Worst customer care ever?
B) Worst in-store knowledge previously?
C) Fraud?
D) Theft?
E) Violation of Ca Deceptive Trade Methods Act?
F) all the overhead.

Its typically unlawful to help make untrue or misleading statements of-fact regarding the reasons for, presence of, or levels of price reductions.

It appears to be bad for Linens-n-Things, and for Max. We’ve about two matters against each. Here’s what California Business and Professions Code says, and I also quote:

"17508. (a) It shall be unlawful for person doing business in Ca and advertising to customers in Ca to help make any false or deceptive advertising claim…"

"17500. Its unlawful…to… disseminate…any advertising unit… that will be untrue or deceptive, or even for any person…to so make…any such statement within a strategy or scheme aided by the intention never to offer that individual property…so marketed at price stated…. Any infraction of this terms for this area is a misdemeanor punishable by imprisonment inside county prison perhaps not surpassing 6 months, or by an excellent not surpassing two thousand five-hundred dollars (,500), or by both that imprisonment and good."

"§ 17507. Its unlawful…if any cost set forth in (an advertisement) does not clearly and conspicuously identify the content of product or kind of service to which it relates."

Comprehensive text regarding the flyer pictured above:
"buy one, get one 50percent down. Entire Inventory Shower Essentials, reg. .99-69.99. Select from over 100 styles of:
* Liners
* Rods
* Tub Mats
* Suction
* Rings
* Shower Caddies"

"Save 20percent whole Stock Metal Bath Accessorites & Shower Curtains"

Imagine just who got an Openspace several days before “The Announcement” ?
consumer fraudulence
Image by Connie Arida
Ahh well..I’m having fun getting a fresh place together 🙂
From Freaky Dreamscape:
I think there is certainly one method to get Linden Labs attention. Please keep reposting this, to make certain that many will discover it:
Linden Labs is A Ca Company. This kind of action does come under the California Attorney General’s Juristiction because might be considered Consumer Fraud, in accordance with my lawyer.
If a lot of us contact the California lawyer General, they’re going to research. This is actually the email address the Attorney General’s workplace:
Attorney General’s Workplace
California Division of Justice
Attn: Public Inquiry Unit
P.O. Container 944255
Sacramento, CA 94244-2550
(916) 322-3360

I recommend calling them AND writing all of them. Please keep consitently the after in mind once you do:
1. Their office is in the exact same time area as Linden laboratories, they’ve been available from 9:00 am to 5:00pm, Monday through Friday.
2. feel polite. Bear in mind, they have been only a well known fact enthusiast plus they are always on the side for the customer.
3. Be obvious and have a talking program. Most likely, the person you speak to, will likely not know anything about 2nd Life, so expect you’ll demonstrably clarify just how 2nd Life works and just why you believe their particular activities is unlawful and immoral.
4. Know Linden Laboratories Contact Information:
Linden Labs, 945 Power Street, Bay Area, CA 94111
5. cannot worry retialation from Second Life in any way. In California that could be a criminal act. They could maybe not suspend cancel your account, or act in every unpleasant way against you for attempting to exersize your protection under the law.

All the best every person.

Illinois Secretary of State Police Chevrolet Impala
consumer fraud
Image by *hajee
The Secretary of State Police of Illinois is a statewide police force, established in 1913; it is accountable for enforcing the guidelines of Illinois Vehicle Code particularly regulating organizations a part of the purchase of motor vehicles and automobile components. Its main function is protect customers against fraudulence through adherence to mention statutes.

The Secretary of State Police additionally investigates identity theft, keeps statewide vehicle evaluation channels, investigates statewide vehicle thefts, provides statewide school coach legislation, enforces traffic and parking violations and provides police force to all or any Secretary of State facilities.

The Secretary of State Police in addition maintains the Illinois State Capitol police which will be on the Illinois State Capitol Complex in Springfield. Their objective would be to offer full police solutions to safeguard the possessions of State beneath the jurisdiction associated with the Office of the Secretary of State.

Makeup of Vehicle Lease Fraudulence

consumer fraud
by CA Dept of Insurance coverage I hope the financial downturn is not beating you up as well severely. Certainly it’s taking its toll on numerous industries of the economy, one of which is automobile dealers. I would really hope that vehicle dealers will certainly fight their escape of the slump with honest and also truthful sales and also solution, as well as unquestionably some will. However, there will certainly be those that will certainly not, and will certainly transform rather down the dark course of deceiving customers. To avoid versus these suppliers as well as these deceptions, we provide the guidance and also understanding as found on my blog site as well as in numerous posts I have actually composed for lots of publications. One area of auto dealership fraudulence that we continue to see rather a little bit of includes scams in automobile leases. Also with the credit rating crunch, dealerships are still able to schedule funding for automobile leases, and also car leases are often much more pricey for consumers, although they appear as cheaper on the surface. The classic lease scams is the”trickery, “where a customer mosts likely to a dealer to acquire an auto

as well as believes he is purchasing an auto, but is instead changed right into a lease. Often suppliers will tell customers that they should register for a lease”momentarily” to allow rate of interest boil down, or other malarky, as well as guarantee to alter the offer to an acquisition offer” in a few weeks.” When the customer returns “in a couple of weeks,” the sales representative who worked out the lease with him is nowhere to be found and also nobody at the supplier has any type of interest in altering the customer into the promised purchase deal. There are numerous reasons why suppliers would certainly

favor to put you into a lease instead of a purchase. For one point, dealers often get bigger reward bonus offers from the leasing firms to put customers into a lease, so dealers regularly make even more cash from the loan providers on leases. Same with the suppliers: relying on just what is happening with vehicle supply, makers will certainly usually offer dealers incentives to place consumers right into leases rather than purchases. Ultimately, lease agreements are confusing, allowing dealerships to toss more curveballs right into the lease which lead to greater covert fees and payments by the consumer. Presently, as of today, GM sales are off by over 40%and Ford

sales are off by over 30%. I do unknown the existing condition of Chrysler sales, however it’s probably comparable. GM as well as Ford are in a setting where they, as well as their suppliers, will certainly do just concerning anything to move vehicles off the whole lot. As specified over, there are honestly many dealerships who will certainly react to the current stress with straightforward ways as well as ways of promoting lorry sales, yet there are likewise those that will certainly respond dishonestly. I do have a few ideas if you are worried about being changed right into a car lease, or if you are puzzled as to whether

you will be paying even more for a lease compared to for a purchase. Below are a few ideas and also pointers: 1. Bear in mind that, with a lease, you are not buying the auto. You are borrowing it, or renting it, for a longer time period, and a lease

offer in fact has a lot in common with renting a vehicle. There are often hidden costs at lease end which could make a seemingly less-expensive lease in fact cost you a lot more. There are surprise fees for excess mileage and also wear and also tear to the vehicle. If you recognize you own 25,000 miles a year, then your lease should mirror that you own 25,000 miles a year. If you lease a lorry with a lease allocation of 15,000 miles a year, you would certainly be punished drastically at lease end for the additional 10,000 miles a year. 2. It would certainly be practically impossible to define all of the methods which a lease could be extra costly than an acquisition. Primarily, you are purchasing absolutely nothing aside from using the car for an amount of time within certain mileage restrictions, absolutely nothing more. You are not acquiring any type of ownership interest in the lorry. Right after that and also there, a lease is normally much more expensive because you have no trade-in at lease end. Many customers are puzzled due to the fact that they believe they can sell a lease at lease end and also obtain credit report, as if they had the vehicle. This is not true. 3. At lease end, if you have any exceptional responsibility on the lease(mileage penalty, problem fine, unsettled lease repayments ), these are often rolled right into your next lorry acquisition or lease.

See your contract meticulously to make certain that you obtain a reasonable offer on your next acquisition or lease. 4. I recommend to all of my customers that they not authorize anything on the area at the dealership. Take the lease or acquisition contract residence and also absorb it over night. Review it with a friend or a spouse. Look at it greater than when.

If consumers took this step alone as well as nothing even more, they would likely avoid much of the fraud and monkey business at dealerships since they would certainly not be signing papers in a pressurized scenario, after having been used down by hours at the dealership. If you, or your friends, have any kind of more inquiries on leases and also the possibility for lease scams, please do not wait to contact us. And, if you have been ripped off on a lease, please consider us for your attorneys to settle the scenario. Robert F. Brennan, Esq. is a principal with Brennan, Wiener & Associates, an AV-rated law office in La Crescenta, CA. His firm focuses on customer security lawsuits, consisting of lemon regulation, automobile dealership fraud and also customer class activities. He could be gotten to with his web site:


Video Rating: / 5

Wal-Mart been false advertisement for years don’t matter if its 4¢ or false advertisement is false advertisement should not be tolerated all Walmarts oh you a refund. they mean but rip off too
Video Rating: / 5

The McCarthy McCain Platform

A couple of great consumer fraud photos i discovered:

The McCarthy McCain Platform
customer fraudulence
Image by DawnOne
Sarah Palin quotes "Joe the Plumber", whose genuine name’s Sam (I am) , on socialism. Never mind that "JOE" lied about his identity, earnings, and skills as a plumber (or lack thereof). On socialism, he is an expert. The McCain platform is sounding more like McCarthyism with every hopeless try to scare the usa voters in to the Republican camp.

On another note, i am hoping that Obama’s grandmother lives for enough time to see him come to be President! For an additional term!

Sarah Palin believes she actually is talking-to French President Sarkozy
Hilarious prank call!


"Sarah Palin’s Alaska." will be aired on "VERGE- globe Green’s all-new primetime development destination"


For example, We had written-

You really intend providing Sarah Palin money to host a program on VERGE- earth Green? So she will more the woman want to influence United states public-opinion together inane but in the end dangerous views on ecology?

Please… reconsider airing "Sarah Palin’s Alaska." Be confident I AM GOING TO NOT VIEW IT, and will encourage all my friends to accomplish likewise. I shall be less likely to want to start your station as time goes by if this is the sort of programming you intend to pursue within brand-new line-up.


3 contacts to deliver to right –
Contact 1- Chris Finnegan
Planet Green
VP, Communications

Contact 2- Discovery’s Investor Relations department, please telephone call (212) 548-5882 or toll free (877) 324-5850, or email

Contact 3- Peter Liguori Chief Working Officer

THAT IS (huge shock…) Peter Liguori was previously FOX network senior vice president, marketing


The eight-episode travelogue will “reveal Alaska’s effective beauty as it never been filmed, so that as told through the state’s proudest daughters,” Peter Liguori, Discovery’s chief running officer, said in a statement.…

Peter Liguori Chief Working Officer Discovery Communications
Peter Liguori is a vital member of Discovery Communications’ senior professional team, offering leadership and eyesight when it comes to organization’s working businesses, including Marketing, Discovery Studios, business Communications and Corporate Affairs, Business matters, and Media Technology, manufacturing and Operations, also playing an integral role in corporate spending plan and company decisions.
As well as his working role, Liguori seats Discovery’s information Committee composed of U.S. systems basic managers with a concentrate on making the most of the worthiness associated with business’s marketing resources, community profile and overall business possessions.
Liguori joined Fox / Liberty systems in 1996 as senior vice president, marketing, for a brand new joint venture, which now includes Fox Sports internet, FX, Fox Sports World, SPEED and nationwide Geographic Channel. Just before joining Fox, Liguori had been vice-president, customer advertising, at HBO. Prior to HBO, he worked in marketing at Ogilvy & Mather and Saatchi & Saatchi. He is a graduate cum laude of Yale University.…

consumer fraudulence
Image by corporatemonkey
I may have to go back and get this top.

If for perhaps not other explanation besides the fact that it states "You Had Better examine Fist"… i am not 100per cent certain what the typo is. Trigger there are @ minimum 2 possibilities…

The Smart Consumer’s Overview of Purchasing a Made use of Auto

consumer fraud
by Chris Pirillo The new centuries has so far

been a decade of rampant consumer scams. Shrewd business and also salesmans prepare brand-new means to rip off the general public on a day-to-day, otherwise a per hour basis. Hidden crash damage, rolled-back odometers, “laundered lemon “vehicles, where the supplier has bought the car under lemon laws and afterwards ignored to disclose the vehicle’s history to the next purchaser, used cars offered as new-these are simply a few areas where car dealerships and producers are often committing fraudulence against consumers. My company, by the method, specializes in representing customers who have actually purchased “lemon”vehicle or who have been the sufferers of cars and truck dealership fraudulence. This brief item is created to aid you in getting a made use of
automobile, supplying you with the proper devices to protect yourself from being swindled on your next acquisition. PLEASE PRINT THIS WRITE-UP OFF As Well As BRING IT WITH YOU WHEN YOU GO OUT TO PURCHASE YOUR NEXT USED Cars And Truck. SHOW IT TO THE USED Cars And Truck SALES-PERSON IF SHE OR HE BALKS AT OFFERING YOU WITH ANY OF THE REQUIRED INFORMATION. I just purchased a made use of auto with exceptional outcomes, as well as I am not a professional auto mechanic; rather, I’m simply a shrewd consumer, which is an outgrowth of that I’m a wise and effective consumer legal representative. The adhering to ideas, if followed, are much a lot more likely to result in a sufficient pre-owned car acquisition. BRENNAN’S EIGHT-POINT CHECKLIST OF REQUIREMENTS IN ACQUIRING A USED AUTO AND AVOIDING ENDING UP BEING THE SUFFERERS OF A FRAUD 1)Always firmly insist on a service warranty.”As-is”can conveniently be translated into lawful jargon as, “You’re stuck, sucker.”Also a 30 -or 10-day warranty is

much better than simply”as-is “. 2)Urge that the dealer print on the guarantee, in vibrant letters,” THIS VEHICLE HAS BEEN EXAMINED FOR ACCIDENT DAMAGE AND ACCIDENT REPAIR WORKS AND ALSO HAS BEEN FOUND TO BE DEVOID OF CRASH DAMAGES OR REPAIR WORKS.”This then comes to be a component of the service warranty. 3)Urge that the supplier prints on the service warranty, in bold letters,”THIS CAR HAS NOT BEEN RETURNED TO A DEALER OR MAKER AS A RESULT OF LEMON LEGISLATION DEFECTS OR ISSUES.

“If the dealer can run a warranty service print-out, urge that they do so as well as connect it to the service warranty itself, with an additional message printed on the service warranty:” THE ATTACHED SERVICE WARRANTY SOLUTION HISTORY REPRESENTS THE COMPLETE WARRANTY BACKGROUND FOR THIS CAR, ACCORDING TO ALL SUPPLIER’S RECORDS.” 4)You will receive an odometer disclosure statement as component of the lorry purchase. If there is any engraving on it such as”TMU”( stands for”true miles unidentified”), enjoy out: this automobile’s odometer has probably been meddled with. 5) Urge after a test drive of at least 10 miles. Firmly insist on driving the cars and truck in varying road problems: city streets, highway, straight and curvy roads both. Truly wise customers set up to have a pleasant expert auto mechanic, not connected with the selling car dealership, to accompany them for the ride. Paying a pleasant mechanic$50.00 to do the test-drive can save you a great deal of distress in the future. 6)Prior to you buy, have actually the car checked by a non-dealer-affiliated specialist mechanic. The pleasant professional auto mechanic that accompanied you on the test drive need to do just great for this. Have the cars and truck thoroughly looked into, as you will

most likely be depending upon the car, particularly for its security and reliability, for the following several years. Later on, anything beyond regular upkeep expenses will prove galling, so recognize what you are entering into in advance. 7)Study. You could such as the appearances of the vehicle, yet it pays to examine out the automobile’s service document with Consumer Reports or on the net. See the National Highway Traffic Safety and security Administration site(search under “NHTSA”) for service warranty, problem as well as repair service info concerning any kind of auto you are taking into consideration buying. 8)Although they are debatable, I suggest acquiring an extended service warranty, especially if you mean on keeping the lorry for a very long time. That’s the checklist, which should supply happiness as opposed to pain for the most parts. It’s your insurance coverage plan, so print it out as well as carry it with you when you next make a

used-car purchase. Inspect off each number as you complete that step of the list; then you’ll stand a far better opportunity of not ending up being the sufferer of a fraud in a made use of cars and truck sale. I will certainly now describe some concerns concerning the paperwork typically going along with a used-car sales transaction, including indicate keep your eyes peeled off for and also some guaranteed warnings that signal you not to get that car. All dealers attempt to postpone the documentation action for the end. Whenever I purchase a previously owned auto, I insist that the paperwork action be done first

. Simply put, after I’ve become thinking about an automobile, I want to see the documents after that and there, before I start talking about sales terms. All dealers have”supplier coats” containing all documents for every different car on

the great deal. Review these papers first, and just after that go with a test-drive and also mechanical evaluation. At the time of the sales close, you can expect that the salesman or a staff will certainly present you with a pile of fine-print files which would take a week to read. No person-not also a skilled legal representative-can check out all of those papers in a brief time. Nonetheless, you must at least glimpse at these papers, and keep an eye out for the adhering to important info: The”Odometer
Disclosure Statement “This is a document required by government law to go along with all sales of made use of vehicles. Read it, as well as make certain the car dealership indicators it, for by doing so the dealership is accrediting that the real miles on the automobile are accurately reviewed the odometer. If the”Odometer Disclosure Statement “has an entrance such as”TMU”( which stands for “Real Miles Unidentified”), or”Actual

Miles Unknown”, or any such entrance, do not

acquire the car! Probably, the automobile has more miles on it than exactly what is really showing on the odometer. The “CUSTOMER ‘S GUIDE”The” Purchaser’s Overview “is the window sticker label on a made use of auto which shows whether the car has a service warranty. My firm recommendation to all used car buyers: only purchase cars and trucks with warranties. Do deny vehicles “as-is.”The salesperson will often inform you that some little old woman just owned the cars and truck to and from church, and that dealership recognizes the service background of the car because that’s where it was serviced, and so on, etc.– it’s all

a stack of prairie pickles. If you buy an automobile “as-is”, expect to be scammed. Anticipate troubles with the car. When a car dealership sells a car”as-is, it is telling you plainly that it wants no more obligation for the lorry when you own it off the whole lot. And also if the car dealership doesn’t desire any kind of obligation for the automobile, what does that inform you regarding the vehicle? The moral of the tale: acquire vehicles with service warranties, also if the warranty is for only Thirty Day. Warranties provide you legal rights in situation the automobile was sold to you fraudulently or it becomes a lemon. When you acquire a vehicle “as-is”, that could be completion of the line for you regarding going after any fraud or lemon-law case. The ‘Warranty Background “You have to request this, as well as you ought to request it. Numerous dealerships have access to the warranty history of the cars and trucks they

offer, and also particularly in the instance of brand-new vehicle dealers for the same make of cars. As an example, if you are buying an utilized Chevy from an accredited Chevy dealer which solutions and also offers new Chevys, then that car dealership has digital accessibility to the warranty history of the auto. This indicates that you can find out of any repair services

done to that

automobile while it was under its original guarantee. You can promptly find out if the cars and truck was a lemon by its service warranty history. If you don’t understand the “warranty history “, have some educated clarify it to you. Make certain you recognize it before you acquire the automobile. And, insist that the”guarantee history”be attached to the guarantee itself, with a depiction that it represents the complete guarantee background for that automobile. This after that provides the consumer additional legal civil liberties if it turns out the lorry was marketed fraudulently or it is a lemon.”DISCLOSURE NOTICES “If you are offered anything

called a “Disclosure Notification”, or the like, BE CAREFUL!!! Read over all the papers to make certain that you are not being sold a recycled, or” washed “, lemon. Anything called a” Disclosure Notice”which goes over the mechanical condition of the car is a warning to back out of the deal and also leave the dealer. You do not wish to buy a”laundered lemon “-it will likely cost you extra difficulty compared to you ever pictured possible.

In other words, do not buy an auto

if there’s any sign that it’s a”laundered lemon.”The above, then, are the standard files you have to maintain your eyes peeled for. In reality, for your very own protection you need to require to see them. The car dealership may not have the”service warranty background “, but it ought to have all the others. Robert F. Brennan, Esq. is a principal with Brennan, Wiener & Associates, an AV-rated law office in La Crescenta, CA. His firm focuses on customer protection litigation, consisting of lemon legislation, automobile supplier scams and consumer class actions. He

can be reached through his internet site: A lot more Consumer Scams Articles